23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Previous Successful Complaint IDs : XXXX XX/XX/2022 XXXX XX/XX/2022 In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX Page of Credit Report shows 5 accounts ever late XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion 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 XXXX TransUnion, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion, XXXX XXXX XXXX XXXX XXXX XXXX 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting, everything has to be 100 % accurate on my credit report. The credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal they also violated my rights under 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 a account without my written instructions Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I fell behind on payments for my Home Depot credit card. Once I had the money to pay, I sent a payment in full for the credit card. The check was returned with the letter attached. It is still being reported on my credit report as delinquent.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I sent out an opportunity to cure letter concerning an negative account furnished by XXXX XXXX XXXX requesting all information from XXXX, Equifax, and XXXX pursuant Rule 1002 on 15 USC 1666b and the procedure that was used to authenticate accuracy ; What reasonable procedure that they have adopted is designed to ensure that each periodic statement including information required by section 1637b was mailed or delivered to the consumer not later than 21 days. I also stated that Failure to provide this information clearly admits that proper steps and certification was not done in compliance with the law 15 USC 1666b, and you ( XXXX ) have fraudulently verified an account without a reasonable procedure as required by law and Delete these incomplete and unverifiable accounts and transactions from my consumer reports : XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as unverified information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an immediate update of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act USDOE/XXXX  account # XXXX, USDOEXXXX account # XXXX, DEPTEDXXXX account # XXXX, OR CHILD SUP account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, has violated my rights .

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 a account without my written instructions
Product: Debt collection

The " gentleman '' called my employer and told the receptionist I am over XXXX days late on my debt and said I was " being so very irresponsible '' When I finally got on the phone with him I told him I was at work and he responded with " Well you are irresponsible and you do n't take care of your bills '' He was so very disrespectful and I will make sure to contact a lawyer to see what my options are. 

I am battling a death of a parent, a XXXX, XXXX kids, and I got XXXX days behind on a payment because I had to deal with unexpected expenses from an unexpected death. I had planned on paying the following day on my payday. LIFE SOMETIMES HAPPENS.
Product: Money transfer, virtual currency, or money service

My account was closed unexpectedly and they promised to give me a chance to withdraw my funds. and they did XXXX XX/XX/2022, XXXX. 
they then unexpectedly withrawn my funds without my authorization or permission on XXXX XX/XX/2022, XXXX. 
This is unprofessional and making it worse even after they claim my funds are eligible for withdrawal the funds are still locked and i'am unable to withdraw. 
moreover they don't give the steps clearly necessary to withdraw the funds they claim is eligible for withdrawal.
Product: Credit reporting

I currently have XXXX accounts with XXXX XXXX XXXX XXXX. I had recently seach out to the creditor concerning multiple account listed on my Trana Union Report and they stated the other accounts with be removed in XXXX - 45 days. While just viewed my reports again after the conversation with XXXX XXXX XXXX XXXX and the XXXX accounts that were supposed to be removed are still appearing on my reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion is reporting many unauthorized inquiries without my consent. I have reached out to following companies below for removal including I have contacted TransUnion, however TransUnion has refused as well as TransUnion did not provide my sign consent for any inquiries listed below. 



XXXX XXXX XXXX, 2022 XXXX XXXX XXXX XXXX, 2022 XXXX XXXX  XXXX XXXX XXXX, 2022 XXXX XXXX XXXX XXXX 2022 XXXX XXXX XXXX XXXX, 2022 XXXX XXXX  XXXX XXXX, 2022 XXXX XXXX XXXX XXXX XXXX, 2022 XXXX XXXX XXXX XXXX XXXX, 2022 XXXX XXXX XXXX XXXX XXXX XXXX, 2022 XXXX XXXX XXXX XXXX XXXX, 2022 XXXX XXXX XXXX XXXX XXXX, 2022 XXXX  XXXX XXXX XX/XX/2022
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 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 these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 

XXXX XXXXXXXX Balance : {$0.00}-
Product: Credit card

Throughout this account 's history, I've consistently made timely payments, ensuring they never lapse into overdue status. I'm uncertain why there are reports of late payment remarks on my accounts. According to 15 USC 1666b - Billing Error, this should be rectified.
Product: Credit reporting, credit repair services, or other personal consumer reports

I see three credit inquires in my name. I check my credit scores in XXXX  XXXX. 

I got an alert, there is an hard inquiry on my credit report. None of which i authorized. 

These are the details i see so far on my account. 

Equifax 1. XXXX XXXX  XXXX/XXXX  XXXX Inquiry from XX/XX/2020 2. XXXX XXXX XXXX  XXXX Inquiry from XX/XX/2020 XXXX  1.XXXX  XXXX Inquiry from XX/XX/2020
Product: Mortgage

Dear Consumer Financial Protection Bureau, I am submitting a formal complaint against NVR MORTGAGE for unlawfully blocking my access to {>= $1,000,000} in funds that were credited to my account after the bank processed my promissory note through its clearinghouse system. The promissory note, originally for {$190000.00}, was purchased by the bank, and I became the holder in due course of the account. 
However, despite my ownership of the account, the bank has frozen my funds without providing any legal justification or due process, in violation of consumer financial protection laws and my constitutional rights to property. 
Relevant Laws and Case Law : 1. Unfair, Deceptive, or Abusive Acts and Practices ( UDAAP ) : The banks conduct qualifies as an unfair and deceptive practice under the Dodd-Frank Wall Street Reform and Consumer Protection Act, specifically under 12 U.S.C. 5531, which prohibits banks from engaging in unfair or deceptive practices that harm consumers. Denying me access to my own funds without explanation constitutes such a violation. 2. Electronic Funds Transfer Act ( EFTA ) : The denial of access to my account also violates the Electronic Funds Transfer Act ( 15 U.S.C. 1693f ), which ensures consum
er protection when accessing their funds electronically. Blocking my access to funds in this manner is a violation of my rights under this law.

3. Truth in Savings Act ( TISA ) : The bank has further violated the Truth in Savings Act ( 12 U.S.C. 4301 ) by not adhering to its terms regarding access to funds. TISA mandates that depositors be provided clear terms for access to their accounts, which the bank has failed to honor.
Product: Mortgage

My home was approved for foreclosure sale on XX/XX/XXXX.  Signed by Judge XXXX XXXX on XX/XX/XXXX of the Circuit Court for XXXX XXXX County Maryland. The Order says XXXX XXXX, XXXX, Et Al vs. XXXX XXXX ; Case # XXXX. My house at XXXX XXXX XXXX, XXXX, MD.was sold at at auction on XX/XX/XXXX. Listening to the law firm used XXXX XXXX XXXX, XXXX the advertisement was done before the order. I was told it was legal and other lawyers at Foreclosure hotline say that my house was illegally sold before proper advertising or my notification was done. The mortgage company was Shellpoint Mortgage Services. Also Shellpoint purchased my house at auction before the Order Authorizing Foreclosure sale was issued by the court.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted the credit service XXXX XXXX to let them know that there are a significant amount of inquiries that are reporting in my credit report. ( actually all 3 of them ) and has lowered my score by 2 to 300 in points. i have contacted them to let them know that i have been victimized and they failed to comply with what i requested them to do, which was REMOVE ALL the inquiries off my credit report.
Product: Student loan

Called XX/XX/31 to request a letter for my mortgage that shows my actual payment details. Request put in and I was informed it would take XXXX days. 
Called XXXX XXXX - informed they can see my request in their system and read the specific details of what needed to be included in this letter, he was not sure why I had not received it. He put in a new expedited request and said I would receive this letter in XXXX hours. 
Called XXXX XXXX - no letter received. Spoke with XXXX ( employee ID XXXX ) who confirmed again that he saw the request in their system but he had to put in a new request and it would take XXXX business days. informed him that I would lose my house b/c of their errors and requested manager. Transferred to XXXX XXXX employee ID XXXX ) who confirmed all details ( type of loan, payment, and recertification date ) and confirmed that she put in the request and letter would be received same business day. ( a letter was received, but did not include any of the necessary information ) Called XXXX XXXX and spoke with XXXX ( employee ID XXXX ) who states loan has been transferred to XXXX XXXX and they could not assist any longer, even though she could see the multiple requests in their system. Requested manager. Spoke with XXXX ( employee ID XXXX ) who states that they could not assist as loans have been transferred. Informed XXXX that I will lose my house and have spent multiple hours over multiple days calling this agency. He informed me to call XXXX XXXX. I pulled up the letter from FedLoans regarding my loan transfer and it clearly states that i would not have access to my account until my new account is loaded in their system. XXXX was very rude and kept telling me just to call XXXX XXXX b/c they could just email or fax me a letter. I questioned that answer since FedLoan was unable to do that and also informed him about the delay. He kept asking " why you just won't call XXXX XXXX and get the information from them ''. Requested his manager and he said I would have to wait on hold for a minimum of an hour. Again, I am going to lose my house without this information that i have been requesting for XXXX weeks! I am unable to wait another XXXX weeks for XXXX XXXX to do the job FedLoans should have done. Please advise on next steps to report this company and their awful business practices.
Product: Checking or savings account

Hello this is a new complaint for chase bank jp Morgan not sending my savings account funds that was closed on XXXX for the amount of {$18000.00}. I was told by chase to speak to XXXX at XXXX XXXX at XXXX XXXX to release my funds. I did speak to XXXX on XXXX and he stated that he and XXXX XXXX were not in fact holding my funds and he and XXXX have not spoke to chase since XX/XX/2021. He stated that chase was holding my funds and they have no involvement in my funds being released.He would be willing to make a statement in court and testify to assist me in getting my funds released.I have since called chase corporate office at XXXX XXXX several times and left messages for XXXX the person handling my funds and she will not return my phone calls and or messages that I have left.it has been XXXX  days since my account was closed and still have not received my funds. I have consulted a financial service attorney to file a lawsuit against chase bank, jp Morgan. thank you for your assistance in this matter. XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here are the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX ; XXXX XXXX XXXX Balance : {$1300.00} ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance : {$3400.00} ; XXXXXXXX XXXX XXXX XXXX. Balance : {$6500.00} ; XXXX XXXX XXXX .... Balance : {$3100.00} ; XXXX XXXX .... Balance : {$960.00} ; CALIFORNIA XXXX XXXX XXXX Balance : {$6000.00} ; XXXX XXXX XXXX XXXX Balance XXXX {$2800.00} ; XXXX XXXX  XXXX Balance : {$0.00} ; CALIFORNIA XXXX XXXX XXXX/XXXX/202 ; XXXX XXXX XX/XX/2021 According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Checking or savings account

My account had a balance {$57.00}. At the branch manager 's discretion an item for {$190.00} posted to my account bringing my account negative - {$130.00}. Previously with my account multiple fradulant debit card purchases were allowed to process in my account overdrafting it again at the managers discretion. While resolving the dispute at the financial center I requested that no debits of any kind post at the manager 's discretion. My wife had left with my children and I moved to an area with no cell reception. My mail was forwarded to my parents address and I assumed I had just received statements from FIB. I was then charged {$380.00} in fees and am being charged interest by the collections company.
Product: Credit reporting or other personal consumer reports

To whom it may concern, I XXXX XXXX are writing to you in reference to an account with XXXX whose collection agency is XXXX XXXX is reporting a collection amount of a {$0.00} balance and was paid in full. This agency is performing unfair practices, in which is reflecting a negative impact on my credit report. This debt also exceeds the statutory limit for the state of South Carolina, which is stated in section 15-3-530 of title 15/Civil Remedies and Procedures. This is also deemed unfair in conjunction with the Fair Credit Reporting Act ; 15 U.S.C.-1681 et seq that states : U.S. Federal Government legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. I am asking that this matter be resolved and that this account be removed from XXXX, Experian, and XXXX respectfully. Thank you in advance for your attention to this matter.
Product: Credit reporting or other personal consumer reports

XXXX XXXX : I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX **** Date Opened : XX/XX/XXXX Balance Owed : {$3100.00} Chargeoff XXXX XXXXXXXX XXXX Opened : XX/XX/XXXX Balance Owed : {$21000.00} Chargeoff
Product: Credit reporting, credit repair services, or other personal consumer reports

I 'm having a few problems. I first need hard copies of all   XXXX   credit reports to provide attorneys and I can not obtain the hard copies needed. I tried pulling them online and calling to get copies and   XXXX   has created this runaround and I ca n't get the hard copies I need, as required by law. I was told by an Attorney to document findings with the reporting agency, credit bureau and to document the dispute process with the credit agencies and I ca n't!!! I am simply trying to resolve inaccuracies reported and on my report and can not.   XXXX   has failed to create a way that supports consumers correcting the costly errors and that 's a serious problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

Sending several times of multiple letters, unverified accounts listed below are still reporting on my credit report in violation of federal law. The Experian, XXXX and XXXX Credit Bureau failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these negative accounts remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the accounts that are still showing on my report. 
XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX {$130.00} XXXX  XXXX XXXX {$470.00} XXXX XXXX XXXX XXXX {$5200.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX {$220.00}
Product: Money transfer, virtual currency, or money service

XXXX XXXX XXXX XXXX XXXX concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They Informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. 
This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Debt collection

I am filing a formal complaint against CRCORPSOL regarding their failure to provide proper debt validation as required under the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g. I have sent this collection agency a debt validation request, yet they have failed to furnish any supporting documentation proving the validity of the alleged debt. 
I do not owe any debt to CRCORPSOL, nor have they provided any proof that they have the legal right to collect in the state of Virginia. Furthermore, CRCORPSOL does not have the necessary credentials or license to collect debts in Virginia, making their collection efforts unlawful. Despite their failure to validate the alleged debt, they continue to report it on my credit file, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681s-2 regarding accurate reporting of information. 
The details of the account in question are as follows : CRCORPSOL Account Number : XXXX
Product: Debt collection

On XX/XX/2024, I requested a copy of All original contract agreements, the option for dispute notifications and the notification dates associated be sent to me from representatives of each credit bureau. The Experian rep I was able to speak to said she didn't have the information I was looking for and couldn't help me furnish it. XXXX hung up on me three times, ( please check the call logs ) and XXXX said to reach out to the original creditors, as this would be their responsibility to provide. I truly feel like my consumer rights have been violated and that I am being unfairly taken advantage of. This goes against everything I read in the FDCPA 's Section ( s ) 8 & 9 from as far as I can tell. Please help! 

Thank you
Product: Debt collection

I started getting emails from Moneylion saying I had a payment due. I researched the company and called the number. They would give me information because I wouldn't verify my information with them. I asked them to send it to me in writing and proof I took a loan out. I've never heard of this company before. I never received no information from them showing it was me who took out a loan. I've disputed with all 3 credit bureau and not 1 can validate this to me.