23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I have been in contact with XXXX, XXXX and Transunion for over 3 months trying to resolve an issue with my credit report. They have been running circle around me over and over again, delaying the resolution of the dispute and actually not following the law. I submitted a letter I received from the Clerk of the Court for my Bankruptcy telling all three credit reporting bureau 's that the court HAS NOT AND WILL NOT VERIFY the bankruptcy information and I sent a letter to all three credit bureau 's stating the facts and the law and that they needed to remove the bankruptcy and all the accounts related to it from my credit report. Siting that per the FRCA - Per the Federal Credit Reporting Act, Section 609 ( a ) ( 1 ) ( a ), you are REQUIRED by federal law to verify through physical verification of the ORIGINAL singed consumer contract and or judgement through the court. - all accounts and public information that you post on anyones credit report, Otherwise anyone paying for your reporting services could fax, mail in fraudulent and erroneous account information. As such, if this unauthorized public record information is not DELETED from my credit report within the next 30 days, I will be filing a complaint to the Federal Trade Commission, Consumer Financial Protection Bureau. 
I have provided a copy of the letter from the Clerk of the Court from the U.S. Bankruptcy Court of Colorado that I received on XXXX stating that you did not verify the information with them!!! 
You only verified with XXXX which is against the law per the law you have to verifiy with the ORIGINAL COURT!!!!!!!! I will file with the court at this point against you for not removing this Bankruptcy as you are in violation of the law - Section 609 ( a ) ( 1 ) ( a ). This was submitted on XX/XX/XXXX and again on XX/XX/2024. I tried talking to XXXX on the phone and the first person actually hung up on me becasue he was not happy with what I was saying and then when I tried to call back again, they said now that " They couldn't VERIFY me '' and they couldn't talk about my account. Something seems very fishy about that, They said I had to mail them a copy of my driver 's license and my SS # card which I already did 3 weeks ago and they miraculously never received it. Im trying to get my teeth fixed because it is affecting my health very seriously and I have been denied a loan from the teeth company becasue of this reason. Please HELP!! I'm so tired of going around and around with these 3 companies XXXX, XXXX and Transunion and getting no where, I now per the law they have to remove this as it was only verified with the 3rd party XXXX and not with the ORIGINAL COURT. Please PLease help me with these 3 credit bureau 's as they keep pushing out the date to resolve the issue and saying it was " updated '' which it never is!!. Even after I sent them the letter from the clerk of the court and my persoanl letter with the stated law, they still sent me a resolution that says they verifed with XXXX and not the actual COURT. 
Thank you XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CO XXXX
Product: Checking or savings account

On XX/XX/XXXX, I saw about 3-5 transactions from a company named XXXX on my TD Bank account, knowing I did not make these payments I called the bank instantly before these transactions cleared. The bank marked my card as a fraud and said they had locked it, however that wasnt the case. Moments after this call I watched the transactions continue, however from the call to the bank they told me that I couldnt do anything until they cleared, that after the transactions cleared I would have to go to the bank to finish the report. On XX/XX/XXXX the transactions continued. There is XXXX transactions with a total of XXXX dollars and the bank considers that I benefited from these transactions and have denied my 3 reports all because they sent a message or called and they claimed I answered meanwhile I never answered the message. I am very frustrated because I called with time and the bank didnt their job in securing my money and I need my money back that was my college fund and it is now gone.
Product: Credit card

TJ Maxx Mastercard ( Synchrony ) ; On XXXX I received email they were going to start charging $ XXXX/month to receive statements in the mail. I logged into my account and elected to use paperless statements to avoid this fee. I have nearly always paid my balance off in full each month and the card is now always used in any given month. I did not receive an electronic or paper bill the following month. Then, on XX/XX/year>, I received a paper bill, indicating that my account is now delinquent, incurring {$27.00} late charges and {$6.00} in interest charges. I called Synchrony, they informed that they never got the notice to switch to paperless, and that the bill was sent ( though it was never received ). They said they would wave the late charge but would not waive the interest charge. Its ridiculous to charge people to get statements, but even more ridiculous to penalize them when they don't receive them. My credit score is XXXX and I have literally never missed a payment before for anything. I believe this is a deceptive practice they are employing to attempt to extract fees and interest from customers like myself that generally don't pay any of these things based on how they are used.
Product: Credit reporting, credit repair services, or other personal consumer reports

This Account was paid, closed, removed, in 2021. The last XXXX months or so XXXX XXXX  has been reporting this account as new and every month has sent it to the bureaus. My credit scored has been demolished because of this and because its an apartment its showing on any housing that I apply for. I received a letter saying that a company has illegally obtained my information and has my information. I spoke with them and the feedback I am receiving is more concerned with me paying another {$3000.00} instead of fixing there mistake.
Product: Credit reporting or other personal consumer reports

I am writing this letter regarding payments that were marked as late by your company for the following accounts and dates : Account Number : XXXX, Late Payment Dates : 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 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

i have been a victim of identity theft. There are inquires on my credit report as a result of identity theft. I did not authorize these inquires. Attached is an FTC report regarding these fraudulent inquires.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX Phone : XXXX XXXX : XX/XX/scrub>XX/XX/XXXX SSN : XXXX Round XXXX Data Breach : XXXX XXXX XXXX XXXX XXXX XXXX  Email & CFPB : XXXX XXXX??!! 

RE : Violation of U.S. Code Law ( TILA 15 U.S. Code 1666 ( b ) - Billing Error ) Upon reviewing my credit report, I noticed multiple billing errors that violate 15 U.S. Code 1666 ( b ) : To Whom It May Concern, ( a ) Time to Make Payments : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late unless they have adopted reasonable procedures to ensure each periodic statement, including the information required by section 1637 ( b ), is mailed or delivered to the consumer not later than 21 days before the payment due date. ( 4 ) Failure to Reflect Payment : The creditor failed to reflect a payment or a credit issued to me properly. ( 5 ) Computation Error : The creditor 's statement has a computation error or similar accounting error. Since the creditor did not notify me 21 days before the payment due date, there should be no late payments on this account. I demand solid proof from the creditors bank account showing that I did not pay and was marked latethis is a billing error. The items below must be updated to " paid as agreed '' on my consumer report : XXXXXXXX XXXX XXXX XXXX This account is PAID on time and PAID as agreed! This is a violation of 15 U.S. CODE 1666B. It was never too late, so delete this 30-day late remark from the payment history. 15 USC 1681b ( a ) ( 2 ) - Permissible Purposes ( a ) In general, subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in written instructions of the consumer to whom it relates. Again, remove this 30-day incorrect late remark and update it to " paid as agreed, '' or DELETE it entirely from my report. 

XXXX  - XXXX This account is PAID on time and PAID as agreed! This is a violation of 15 U.S. CODE 1666B. It was never too late, so delete this 30-day late remark from the payment history. 15 USC 1681b ( a ) ( 2 ) - Permissible Purposes ( a ) In general, subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in written instructions of the consumer to whom it relates. Again, remove this 30-day incorrect late remark and update it to " paid as agreed, '' or DELETE it entirely from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX 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: Credit card

A XXXX debit card with my name on from the company Cash App was mailed to my home address. I do not have a Cash App account and I did not request or open this debit card.
Product: Credit card

I've consistently made sure that payments on this account are made on time, never allowing them to become overdue. I'm uncertain about the reasons for the late payment remarks reported on my accounts. According to 15 USC 1666b - Billing Error, corrections should be made.
Product: Credit card or prepaid card

In XX/XX/2018, There was fraud on my account from XXXX and a XXXX ; sClub in the amount of totaling XXXX XXXX dollars. I did not make nor purchase from XXXX XXXX nor XXXX. I receive a letter from Capital One stating that they have completed their investigation on XX/XX/2018. I have called Capital one and they have stated that they have not completed their investigation, so I decided to file a compliant, because the company has a XXXX liability, but is not wanting to use it. So I decided to file a compliant. I spoke with a rep on XX/XX/2018 and stated to me that available amount of the fraud charges will be on my account on the XXXX of XXXX. But when I looked at my account I saw that their was no available accredit, nor did I see any credit for the fraud charges.
Product: Debt collection

The original charge off balance from XXXX XXXX was for {$10000.00} as of XX/XX/XXXX. The account was placed with HUNTER WARFIELD during XXXX and now has a balance of {$14000.00} as of XX/XX/XXXX. This is due to additional junk fees being added to the collection over a period five years ( XXXX ). 

I have disputed the account several times to only have the adjusted to satisfy the dispute and readjusted and reported back on my credit report after a few months with amounts that differ from the original balance and higher then the previous amounts reported. This is a predatory action by the debt collector which does the greatest amount of damage to my credit report and credit rating on a closed account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was going over my credit report I noticed that there are addresses that are not mine showing. I would like the following addresses deleted.This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The specific information is not accurate. The following addresses and the variation on my name are not accurate. My name is XXXX XXXX XXXX, please delete all other variations. AS WELL AS Reoccurring Vehicles that continue reflect on my credit report associated with this address XXXX XXXX XXXX I HAVE NEVER OWNED A XXXX. XXXX, XXXX XXXX XXXX  XXXX WI XXXX I am no longer affiliated with these addresses. I would like to have my credit report to reflect true up to date that is accurate my current address XXXX XXXX XXXX , XXXX XXXX, OH XXXX I AM XXXX XXXX AS XXXX XXXX XXXX XXXX.
Product: Debt collection

The following company listed below is calling and threatening to file suit on a debt that is not owed. They claim they are collecting on behalf of HSBC and are attorneys, when they clearly are not a law firm. They use threatening language and clime they do not need to abide by the FDCPA. Clearly, serious action must be taken against this firm. 

XXXX XXXX XXXX XXXX, XXXX AKA XXXX AKA XXXX 
Posted in : XXXX XXXX XXXX Web site lists the address in Florida : XXXX This place is also using the same address : XXXX XXXX gives them a D+ with XXXX complaint : XXXX XXXX is not registered with the Florida Dept. of Financial Regulation as a collection agency which means they are illegally operating as a debt collector. 
XXXX. XXXX says they are only in business since XXXX XXXX, XXXX which means they have been trying to steal money right from the start : XXXX XXXX XXXX XXXX, XXXX Filing Information Document NumberXXXX XXXX/XXXX XXXXE Date XXXX Effective XXXX StateFL StatusACTIVE Last EventXXXX XXXX Event Date XXXX Event Effective DateNONE Principal Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Changed : XXXX/XXXX/XXXX Mailing Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Changed : XXXX/XXXX/XXXX Registered Agent Name & Address XXXX, XXXX XXXX, XXXX. 
XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX, FL XXXX Authorized Person ( s ) Detail Name & Address Title XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, # XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Here is the XXXX info for their web site : XXXX XXXX XXXX Updated XXXX second ago - Refresh Domain Name : XXXX XXXX : XXXX 
Sponsoring Registrar XXXX ID : XXXX XXXX Server : XXXX Referral URL : XXXX : XXXX Name Server : XXXX Name Server : XXXX Status : clientTransferProhibited XXXX Updated Date : XXXX Creation Date : XXXX Expiration Date : XXXX medicalinvestigations.com registrar XXXX Updated XXXX second ago Domain Name : XXXX Registry Domain ID : XXXX Registrar XXXX Server : XXXX XXXX URL XXXX Updated Date : XXXX Creation Date : XXXX Registrar Registration Expiration Date : XXXX Registrar : XXXX 
XXXX XXXX ID : XXXX XXXX Contact Phone : XXXX Reseller : Domain Status : clientTransferProhibited XXXX # clientTransferProhibited Registry Registrant ID : Registrant Name : XXXX 
XXXX XXXX : XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX : XXXX : XXXX XXXX XXXX : PA XXXX XXXX XXXX : XXXX Registrant Country : US Registrant Phone : XXXX Registrant Phone Ext : Registrant Fax : XXXX Registrant Fax Ext : Registrant Email XXXXXXXXXXXX Registry Admin ID : Admin Name : Support, Technical Admin Organization : 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 any item 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 is the list of items which do not belong to me or were opened without my permission. 

XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX Owed : {$0.00} ; XXXX XXXX Balance Owed : {$7000.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$1100.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$5900.00} XXXX XXXX XXXX Balance Owed : {$2200.00} ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX  Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX, XXXX, L ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, NV XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX ; XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX XXXX Date XX/XX/XXXX ; XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; 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: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. XXXX, XXXX and TransUnion are required to authenticate this accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXXXXXX Balance Owed : {$130000.00} XXXX XXXX XXXXXXXX Balance Owed : {$1000.00}
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles dispute resolution process, especially in light of the recent CFPB lawsuit that highlights critical issues with the platform. Despite using Zelle frequently and reporting discrepancies, my financial institution and Zelle failed to conduct an adequate investigation into my claims. I was informed that recovering the lost funds was impossible and that tracking these transactions was not feasible. The CFPBs findings reveal that Zelle has not only failed to protect consumers but has also allowed repeat offenders to exploit the platform, leaving users vulnerable to scams. This lack of accountability and transparency is deeply troubling and raises significant concerns about consumer safety.
Product: Debt collection

about 6 months ago I was put on social security XXXX for advancing XXXX . 
I have been contacted by Credit Control LLC in XXXX MO ( their client is resurgent who I have never received anything from ) and I explained to them in writing my health issue and my income is much lower, they want me to send them social security information, and medical information, XXXX home info, I am willing to send them my XXXX payment statement ( I will not put my social security number on it though ) And I will not send them medical, my doctor said he would write a message to them, but he does not want to be contacted by them. 
Nor do I want him contacted to verify anything more this is my private health info and I do not want them contacting Social Security to verify. Is this legal what they are doing?
Product: Debt collection

I received a phone call a few months ago, stating that I was going to be served paperwork at my place of employment for a debt that was 8 years old. They insisted that if I did n't pay that day they would garnish my wages via service from a uniformed officer. I asked for written confirmation of the debt believing that the debt was out of the statute of limitations and they would not provide that to me, they emailed me a letter that looks like it was written in word, they have a fake one page website and their phone numbers are n't traceable online. They have withdrawn almost XXXX from my bank account. I became suspicious when the debt was not listed on my credit bureaus. Also I am not able to find any documentation at our home of official correspondence that we had been properly notified. They claimed I had a judgement pending and that there was garnishment language.
Product: Credit reporting or other personal consumer reports

i have disputed these accounts mutilple times with these credit reporting agencies, i am a victim of identity theft and they have failed to properly investigate my identity theft report. i am now requesting your help removing these negative accounts as they are hurting me deeply from getting a approved for even a small apartment for me and my kids. i am also requesting that under 15 u.s.c 1681i you please correct this misuse of my credit information. thank you! i will list the accounts that are hurting me and not accurate. 
my FTC report number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I filed bankruptcy in XXXX, but it is still showing up 10 years later as an account that should no longer affect me. This is affecting my chances of buying another mortgage or getting a future car loan. Please remove this immediately.
Product: Checking or savings account

On at least 4 electronic checks issued thru our business checking accoung the bank allowed the checks to be cashed 2 times. 
Wells Fargo check XXXX amount {$20000.00} cashed on XX/XX/XXXX and XX/XX/XXXX check XXXX amount {$27000.00} cashed on XX/XX/XXXX and XX/XX/XXXX check XXXX amount {$4900.00} cashed on XX/XX/XXXX and XX/XX/XXXX check XXXX amount {$5600.00} cashed on XX/XX/XXXX and XX/XX/XXXX During the check issue in XX/XX/XXXX, I called in to my business account manager and escalated the issue to the fraud department representatives. Only to be told they do not guarentee echecks can be stopped before this would happed. After meeting with a branch manager as well there was nothing done. Their advice was to place a stop or cancel on the checks once we knew they were cashed the first time to hopefully aid on stopping any furure attempts to cash these checks. However they did not state this was absolute. There was no resolution. 
As for my company we have minimal amount of echecks transacted thru Wells Fargo due to these issues and have moved most of our business away from them. Due to our business model being remote we must have echecks, online banking and depend on a financial institute that is secure.
Product: Mortgage

I reached out to Fairway Mortgage and I was told that they will not be extending my disaster forbearance plan. I will also be requiring to repay the XXXX  months of prior forbearance within XXXX  months, i do not have that type of funds to repay them back. 

My case is approved for a forbearance feature based on XXXX XXXX lending guidelines. I feel like Fairway Servicing isn't properly doing their job and creating a hassle to not grant me forbearance access. My property is damaged due to the natural disaster and i am working with local jurisdiction to granting permit approval to get work done.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX # XXXX DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX # XXXX - DATE OPENED XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

i have a credit inquiry that I did not authorize. Please remove this as I have no knowledge of this activity.
Product: Debt collection

I am not sure what all these charges are for I never got an itemized bill like I requested.