23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This creditor has is in violation of the sending/ delivering of any form or notice which does not relate to the collection of a debt and is expressly required by title 26, title V of Gramm-Leach-Bliley Act [ 15 U.S.C. 6801, sec. 809 { b } et seq. ], or any provision of Federal or State law relating to notice of data security breach or privacy, or any regulation prescribed under any such provision of law, shall not be treated as an initial communication in connection with debt collection for purposes of this section. Below the creditor did not provide the following Explain and calculate the amount owed : Provide me with copies of any papers that show that I agreed to pay the amount you are stating is owed : Provide a verification or copy of any judgement if applicable : Identify the original creditor : Prove the Statute of Limitations has not yet expired on this account : Provide me with the license that you are allowed to collect within my state : Provide me with your license numbers and Registered Agent or Agent of Service/s. 

Creditor has consistently sent me a bill unrelated to the list above and dismissing [ 15 U.S.C. 6801, sec. 809 { b } et seq. ], requirements. Therefore I am not responsible for this debt and this creditor is in violation due to lack of due diligence under [ 15 U.S.C. 6801, sec. 809 { b } et seq. ], of not providing the proper documents. both collections from XXXX are ordered to be removed from all XXXX credit bureaus.
Product: Checking or savings account

I have a saving account in Vectra Bank ( XXXXXXXX XXXX, XXXX, CO  XXXX XXXX with about {$250.00} on XX/XX/XXXX. I went to the bank on XX/XX/XXXX. I had been charged {$15.00} per month for dormant account. but I never get a notice about it. The manager ( XXXX ) told me the mail was sent to my address, but I didn't receive it. I asked her to waiver all these charges because I was not informed. She refused.
Product: Checking or savings account

On XX/XX/XXXX I initiated an online transfer of {$6600.00} from my account at Flagstar to XXXX XXXX bank. The transfer was approved online. On XX/XX/XXXX I received emails informing me that the transfer wasn't completed and external transfer function on my account was suspended. After a half hour on the phone with them trying to resolve it, I was hung up on. On XX/XX/XXXX I received an email saying transfer function was restored. As of XX/XX/XXXX the money is missing, It is not in my Flagstar account nor in the recipient bank. I have contacted the bank by email and received a generic automated response.
Product: Credit reporting, credit repair services, or other personal consumer reports

How many times are you going to let them lie and falsify entrees into the complaint response platform. 

This is not a duplicate! 

This is not a duplicate, this company XXXX XXXX XXXX is breaking the law by falsifying its responses to complaints through the CFPB portal we are using at this moment to file this as I speak.. XXXX XXXX  has made several severe violations in the actions regarding to the violations and to the dispute process.. this is not a duplicate, XXXX XXXX has broken NC laws and Federal laws pertaining to 15CLet it be known to all that XXXX XXXX XXXX have perjured themselves again! ..A complete falsified response to cover up serious violations they committed over 8 weeks ago and still are hiding and breaking the law this complaint today I ask that XXXX XXXX XXXX answer the complaint I filed almost 3 months ago with regard to the damaging letter and quit lying on your responses to the federal government.
Product: Credit reporting or other personal consumer reports

I am writing to file a complaint against several banks and Credit Reporting Agencies ( CRAs ) for violations of my consumer rights under the Fair Credit Reporting Act ( FCRA ). Specifically, these entities have breached the following federal laws : 15 USC 1681b ( 2 ) : Unauthorized access to my credit report. 15 USC 1681s-2 : Furnishing inaccurate information and failing to correct and update information. 15 USC 1681b ( 3 ) : Improper use of consumer reports for adverse actions without proper notification. 15 USC 1681a ( d ) 2 ( A ) ( i ) : Consumer reports do not include information solely about transactions or experiences between the consumer and the person making the report. Late payments and utilizations are considered transactions and experiences and should be deleted. Additionally, charge-off accounts should be excluded from my consumer report pursuant to IRS rules and guidelines, as they are considered ordinary income and income is not reported on consumer reports. These violations have negatively impacted my creditworthiness and financial stability. I urge the CFPB to investigate these infractions and ensure compliance with federal laws to protect consumers like myself. Additionally, credit scoring models like XXXX and XXXX are proprietary tools and algorithms used by lenders to assess creditworthiness and determine credit terms, but they are not factors outlined in the consumer report or governed by federal consumer protection laws, which take precedence over individual bank guidelines. I rely on the CFPB to enforce federal consumer protection laws and regulations ensuring the credit reporting practices, including those used by lenders adhere to established guidelines and do not override the protections afforded to consumers under federal law. 

Arvest Credit Card {$12000.00}
Product: Credit reporting or other personal consumer reports

Equifax failed to fullfill its legal obligation under the Fair Credit Report Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Equifax, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Equifax has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Equifax 's inaction violates federal law and my rights as a consumer.
Product: Credit reporting or other personal consumer reports

Fraudulent Accounts are Attached to FTC Consumer Report
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The Experian and XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX Balance : {$220000.00} XXXX XXXX XXXX Balance : {$9500.00} XXXX XXXX XXXX Balance : {$9500.00}
Product: Credit reporting or other personal consumer reports

This account is still inaccurate after the fourth re investigation remove this account Immediately! 

XXXX XXXX ( account number ) - XXXX
Product: Credit reporting or other personal consumer reports

( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence l provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

impossible to temporarily lift freeze on credit report in timely manner on line or over the phone. numerous attempts most recently today XX/XX/2021
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX account on my Experian credit report. This is an incorrect account that is not mine. I have never used this account nor had an account with this company. I have tried to dispute it and received no results with both of these agencies. XXXX took my dispute and it was deleted from my credit report. This is incorrect and should not be on any of my credit reports. Amount {$0.00} with High/Limit {$300.00}. Opened in XX/XX/XXXX Last Balance Date XX/XX/XXXX.
Product: Debt collection

I disputed this debt which appeared on all 3 of my credit reports. On XX/XX/XXXX, and on XX/XX/XXXX, asking portfolio recovery to provide me with any viable proof of evidence with my signature I owe this debt. I pulled my credit report and still there was no comment regarding consumer disputing which is required by law. Portfolio deleted the trade line from XXXX, but not on XXXX, nor XXXX. Just recently, portfolio recovery updated the account as an Open collection on XX/XX/XXXX, for XXXX dollars. Portfolio recovery has continued to perform non-compliance of federal laws under the Fair Debt Collection Practices Act. I further remind you that you may be liable for your willful non-compliance as per FDCPA 807. False or misleading representations [ 15 USC 1962e ] Also Pursuant to the Fair Debt Collection Practices Act, Section 809 ( b ), Validating Debts :
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX/Experion Credit Reporting Agencies Credit Report Dated XX/XX/XXXX Upon receipt of credit report dated XX/XX/XXXX, I noticed I have a " Derogatory public record or collection record '' contributing to my FICO score and I would like the detail of the this record. I have no knowledge of this problem and I would like to go back to originator of the comment and determine if an error has been made. In the event that remark is accurate, I would like to resolve amicably. <P/>I have calledXX/XX/XXXX and Experion on a multitude of occasions and have yet to speak to a human being or get any detail related to derogatory mark. <P/>I have attempted to use XX/XX/XXXX Online Dispute page ... .only to find the website complaint page unresponsive ... ie. after entering my data, I select submit and nothing happens. <P/>I am quite frustrated. Thank you for your assistance.
Product: Payday loan, title loan, or personal loan

XX/XX/XXXX.We as buyers paid XXXX XXXX XXXX a {$5000.00} points fee by his require because he told us he is a loan broker. But he does not have an active status on NMLS ( NMLS XXXX ). 
Also, the loan did not get through, we need a refund.
Product: Credit reporting or other personal consumer reports

I am writing to delete the following information : XXXX XXXX  - PAID IN FULL! The items I need deleted are listed in the report. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. C 1681 section 602 A. States i have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

This letter serves as a formal demand for immediate action to address your blatant violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., in handling my dispute regarding fraudulent information resulting from identity theft. Your failure to act is both unlawful and intolerable.

Violations of Federal Law 1.Failure to Conduct a Reasonable Investigation ( 15 U.S.C. 1681i ( a ) ( 1 ) ) Despite receiving my comprehensive dispute, including the FTC Identity Theft Report and supporting documentation, your agency has flagrantly failed to conduct a reasonable investigation into the fraudulent accounts. Ignoring evidence is not an investigation.

2.Failure to Provide Investigation Results ( 15 U.S.C. 1681i ( a ) ( 6 ) ) Under the FCRA, you are required to notify me of the results of your investigation within 30 days. To date, I have received no such communication. This complete disregard for transparency further underscores your negligence and lack of compliance with federal law.

3.Failure to Block Fraudulent Information ( 15 U.S.C. 1681c-2 ) You are legally obligated to block fraudulent information upon receipt of an identity theft report. By failing to do so, you continue to willfully allow the publication of inaccurate, damaging information in violation of my rights. 

Legal Precedents Highlighting Your Liability Your actionsor lack thereofare not without consequence. Courts have repeatedly held credit reporting agencies accountable for similar misconduct : XXXX XXXX TransUnion XXXX ( XXXX ) : Reinforced your obligation to conduct meaningful investigations beyond relying on furnishers data. 
XXXX XXXX XXXX, XXXX ( XXXX ) : Confirmed that credit bureaus may not shirk their duties by delegating investigations to furnishers. 
XXXX v. TransUnion LLC ( XXXX ) : Demonstrated the severe consequences of failing to comply with FCRA obligations, including class-action liability and significant damages. 

Demand for Immediate Action I demand the following actions, without delay : 1.Conduct a thorough and reasonable investigation into the disputed accounts and fraudulent transactions.

2.Provide a comprehensive written explanation detailing your investigation process and results.

3.Permanently remove or block all inaccurate information associated with my identity theft.

Failure to address this matter within the FCRAs legally mandated timeline will leave me no choice but to escalate this issue. I will : File formal complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ). 
Seek damages through legal action, including but not limited to statutory damages, punitive damages, and recovery of attorneys fees, as permitted under 15 U.S.C. 1681n and 1681o. 

This letter is your final notice to rectify your violations. Your failure to comply will be viewed as willful non-compliance with federal law, and I will ensure that the consequences of your negligence are pursued to the fullest extent. 

XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

I recently pulled my credit report on XX/XX/XXXX I know inconsistencies on my credit report. The credit reporting agencies per FCRA is responsible for reporting 100 % ACCURATE, VERIFIABLE AND COMPLETE information on my credit report. I look and notice ACCOUNT NAME- XXXX XXXX - ACCOUNT NUMBER XXXX is still reporting an account that was sold to a collection company by the name of XXXX XXXX XXXX  XXXX Its been XXXX months of this creditor still reporting inaccurate information on my credit report. The account been charged and was sold which the credit written it off as bad debt. Im requesting all business transactions documents with this account in question I want the account ledger, 1099 OID report, 424 b5 prospectus and RC-S & RC-B call schedules to be sent immediately. If you are unable to provide me out these documents I ask that you delete this account immediately. The date last verified from XXXX XX/XX/XXXX is inaccurate. Equifax is missing the date last verified which is inaccurate. Date last activity XXXX XX/XX/XXXX, Equifax date of last activity is XX/XX/XXXX is inaccurate. Date last reported XX/XX/XXXX. Equifax date last reported XX/XX/XXXX is incorrect. XXXX date open XXXX Equifax date open XX/XX/XXXX is inaccurate. XXXX date closed XXXX Equifax date closed is missing the date. This account has been in dispute since XX/XX/XXXX the dispute status on my credit report reads account not disputed this how I know XXXX and equifax did not investigate this account at all also XXXX year payment history is incomplete. I want this unverified, unproven, obsolete, incomplete and inaccurate information deleted from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I received a credit alert stating that XXXX reported a new address update Address : XXXX XXXX XXXX XXXX XXXXXXXX XXXX, Oregon - XXXX Im very concerned because this is definitely inaccurate and I believe Im being targeted for identify theft. 

There are other inaccuracies on my 3 credit reports as well. This is the most recent one.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 6th complaint that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific accounts in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

You are in Direct Violation of The Fair Credit Reporting Act. XXXX XXXX, has violated several of my rights. 
15 U.S.C 1681 section 602 A. Clearly states that I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card a open-end consumer credit plan as late for any purpose. 
Remove this account and update my report as you are in direct violation of several laws under The Fair Credit Reporting Act.
Product: Credit card

Discover continues to withdraw funds from my personal checking account, making payments on a Discover account that I 've reported multiple transactions as fraudulent. In XXXX XXXX, I had a credit of at least {$20.00} on this Discover Card account. A XXXX woman that still lives with me is a predatory individual and professes to love me -- I 'm XXXX XXXX XXXX -- I 've been told this is a " sweetheart scam ''. This individual made all the purchases after XXXX on this account without my consent. I did not make these transactions with this Discover card. I 'm attaching the XXXX Police Department 's reports. I first reported this financial elder abuse to the XXXX Police Department on XXXX XXXX, XXXX and subsequently XXXX XXXX, XXXX. I 've reported the theft to Discover as well but the representative badgered me over the phone for my new XXXX personal checking account information so minimum payments would continue to be paid. I closed my original XXXX account when I learned of the fraud. I am currently going through the court system to remove the woman from my home.
Product: Debt collection

I received a letter in the US Postal mail on Friday, XXXX/XXXX/XXXX, from Zen Resolve stating that XXXX XXXX had placed my account with them for collection. The Zen Resolve statement shows that Zen Resolve started the collection process with XXXX XXXX on XX/XX/XXXX with a principal balance of {$1100.00}, interest of {$670.00}, fees of {$60.00} and a total amount due of {$1800.00}. I attempted to call XXXX XXXX and Zen Resolve, but it was after business hours. 

On Monday, XX/XX/XXXX, I called XXXX XXXX and they told me that they couldn't give me any information about the loan because it had already been sent to a 3rd party for collection. 

I also called Zen Resolve on XX/XX/XXXX and spoke to two employees, XXXX and XXXX, who informed me that they would have their manager, XXXX XXXX, send me the original loan documents corresponding to the Amplify Loan in my name. 

The documents were received on XX/XX/XXXX at XXXX XXXX via email from XXXX XXXX at Zen Resolve. After reviewing the loan documents, it was clear that this was not a loan I had ever applied for and I had been a victim of identity fraud. 

I sent an email back to Zen Resolve on XX/XX/XXXX at XXXXXXXX XXXX  stating the following : This XXXX loan by the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and the information attached is fraudulent. XXXX XXXX did not sign these documents, does not have this loan ( # XXXX ) and the bank account information is not his account. The name of the bank XXXX XXXX and the routing/account numbers ( XXXX are not accounts he has or has ever had. The email XXXX is invalid and not an email XXXX XXXX has or ever had. The phone number XXXX XXXX XXXX XXXX is not a valid phone number. 

We would like to file a dispute and have been informed by XXXX that we need to file a police report. We will do that shortly. What paperwork or information do you need to receive to for the dispute resolution? 

Please advise. 
XXXX At XXXX XXXX on XX/XX/XXXX, I received an email from Zen Resolve stating that we take fraud/identity theft seriously and requested that I fill out their FTC Identity Theft Affidavit, have it notarized and returned to them. 

I am currently in the process of completing the documents. So, far Zen Resolve has been responsive, but has asked me to include my FTC complaint report about XXXX XXXX with their packet.
Product: Checking or savings account

The companies involve are below : 1. Bank of America ( I have my saving account ) 2. XXXX ( I dont have any association with this company. I dont know anything about this company or anyone associated with them. ) Please find more details below : I have a saving account with Bank Of America. I have not shared my account details with anyone. I have not authorised any trasanctions in my saving accounts for below amounts. 

I have noticed following suspicious trasanction in my Saving account : XX/XX/XXXX : Deposits of {$0.00} and {$0.00}, XX/XX/XXXX : Withdrawal of {$0.00} and {$0.00}, XX/XX/XXXX : Withdrawal of {$2400.00} These trasanction are completely unauthorised and without my knowledge. In transanction details the company XXXX and person XXXX XXXX is mentioned. I dont know about any of them.
Product: Mortgage

Freedom Mortgage company, located in New Jersey has fraudulently enticed me to refinance through freedom mortgage, who is also my current mortgage lender - by falsifying documents, pressuring me to agree to illegal terms, and fraudulently charge illegal fees that do not apply to me. I have been in constant communication relating to the false documents and charges with freedom mortgage and their legal department- who have failed to correct it, but admit that freedom mortgage has acted incorrectly. 
Therefore, due to not being able to refinance as initially agreed, only due to the intentional delay caused by freedom and because I will not agree to false charges, I am still stuck paying PMI, Freedom mortgage holds my escrow account which also should have been refunded through the refi, and cost me so much time and effort to prove their lies and constant violation in truth and lending practices and violation of RESPA Please help take action against this lender who is well aware of their violations and makes no attempt to correct it.