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

XXXX XXXX Account ( XXXX CH XXXX ) Upon further investigation, I have retained new copies of my credit reports and noticed that you did not furnish the credit bureaus with the required disclosure, within the period required by law. You are required by federal law to place a notice of dispute on my account within 30 days of my dispute, which you signed for on the signature date. 

I have retained a copy of your signature and date of receipt, as well as time-stamped copies of my credit reports, showing that you have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) by not placing the disclosure within the required 30-day period. 

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete and represents a very serious error in your reporting. Additionally, you have broken federal law by not placing the notice of dispute onto my credit reports within the time required by law. 

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC and the Attorney Generals office, should you continue in your non-compliance of federal laws under the Fair Credit Reporting Act. 

I further remind you that you may be liable for your willful non-compliance, as per FCRA 623 ( a ) ( 3 ) - Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] ( 3 ) Duty to provide notice of a dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. 

( B ) Time of Notice ( I ) The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after, furnishing the negative information to a consumer reporting agency described in section 603 ( p ). 

As you have violated federal law, by not properly providing the credit bureaus with proper notice within the required timeframe and I have evidence of such, via certified mail receipts, you must now remove the item. 

Any other action ( or inaction ) on your behalf will result in a small claims action against your company. 

I will be seeking {$5000.00} in damages for the following : 1. Defamation 2. Negligent Enablement of Identity Fraud 3. Violation of the Fair Credit Reporting Act and Fair Debt Collection Practices Act You will be required to appear in a court venue local to me, in order to formally defend yourself. 

P.S. Please be aware that depending upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.
Product: Money transfer, virtual currency, or money service

In XX/XX/2022, I was reached by individuals, acting on the behalf of and/or through the Internet-platform XXXX he individuals contacted me, explained to me and made me believe that their platform and its operator are completely licensed and qualified to trade regulated financial products and to provide financial advices for the benefit of an unlimited number of individuals. Being extremely pushy and aggressive in their approach towards me and exploiting the lack of special knowledge and skills on my side, these persons persuaded me that they are completely legitimate, which influenced also my decision to invest substantial amounts on their platform. At a later stage, my research shows that there have been published numerous warnings against said platform that clear evidence that the platform DXXXX, does not have a license to trade regulated financial products such as they advertise on their site. Deceiving me and promising substantial and rapid return of my investment, the unlicensed financial broker demanded from me to initiate series of payments within short period of time. I was deceived that these payments are for funding my segregated financial investment account, but no part of these transactions was ever used for financial trades. In consideration of the beneficiaries and the lack of financial brokerage license of XXXX it is impossible that the unlicensed brokers maintained segregated financial investment accounts of their clients. Therefore, we assume that all payments were laundered by the Merchant and I was put in deceit that I can really place trades and participate on regulated financial markets. For a certain period of time after an imaginary investment account, I had access to my account with Digi-bitcoincompany.com. After a while, my personal profile was closed without my consent, and all my attempts to get my funds back into my " investment '' account were unsuccessful. As a result of the interaction with the aggressive Merchant, I lost USD XXXX ( XXXX Dollars XXXX XXXX XXXX XXXX and XXXX ) paid in multiple transactions. The payments were initiated through my account with BANNER CORPORATION ( BANNER BANK ). BANNER CORPORATION ( BANNER BANK ) never warned me about potential risks associated with those payments. I have tried to resolve the issue with BANNER CORPORATION ( BANNER BANK ). On XXXX, a Letter of Demand claiming compensation was sent to the bank. As of today, the bank has not offered a compensation for the losses I have suffered. In the meantime, a complaint was filled to the FDIC and OCC on XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent a request for my credit report and my score to Experian i sent all documents to tell who I was.There responds was they sent me part of the report the credit score was missing from the report.Then started paying fro the monitoring service to see what was on the report.Then there was information on the report that i disputed and other information that was on the report but could not dispute that was still disputable.Then I wrote to them again to get my score by hard copy they sent the same information again that I already had I wanted my score and the report and information remove from my report that was incorrect i have sent two letters to them about getting my score and item removed for my report.I have made several attempts to get this mater taken care of.Information that is incorrect and missing scores by mail.I have a right to have that information for my own use.Then i think they are messing with my score i check the others scores from XXXX XXXX and XXXX and there is a big difference in those scores and i mean a big difference.I want this problem taken care of.
Product: Debt collection

The debt collection agency did not follow the rules outlined in the Fair Credit Reporting Act ( FCRA ) before reporting the debt to all three credit bureaus. It has affected my credit score adversely. 

The debt collection information is below : Columbia Debt Recovery LLC, dba Genesis XXXX XXXX XXXX XXXX, WA XXXX ( XXXX ) XXXX from XXXX to XXXX PST, Monday to Friday www.genesiscred.com Below is the file number : Reference : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a ID theft report ref XXXX AND the information required as laid out in the FCRA. Then, Equifax decides to tell me that I need to reach out to the furnishers myself and completely ignore what their requirements are. Then, I submit another complaint and their response is to provide MORE information when I clearly REFERENCED the complaint that outlined the information they needed. Ref XXXX for their latest response. At this point, they are playing games.
Product: Checking or savings account

Saturday XX/XX/year> my account was hacked. They transferred money multiple times through XXXX, XXXX XXXX, and check. My daughter and I are both on this account. She went in face to face on Monday and Wednesday ( we both went Wednesday ) to try to close it and were still told no. Chase bank has done nothing to protect our assets, and if anything, has made this situation worse. I should have closed the account before reporting the fraudulent activity apparently. They will not release funds. They are now telling us they cant do anything until Monday. D
Product: Credit reporting or other personal consumer reports

TransUnion was sent a dispute letter regrading my personal information being inaccurate. As the consumer supported documents was sent with the correct information. With TransUnion not fixing the problem it's making my credit report show poorly and stopping me from purchasing a home.
Product: Debt collection

There is a collection listed for {$180.00} on my credit file, it keeps on changing company 's when I request validation. Please help
Product: Credit reporting, credit repair services, or other personal consumer reports

I was recently looking at my credit report and I noticed a number of accounts I did not create or authorize. I also noticed a number of accounts with false late payments and derogatory remarks. All of which need to be removed from credit report. I am writing this due to non-compliance with ( XXXX, XXXX, Transunion ). They have failed to remove information that was satisfied with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

My privacy is supposed to be protected under the Fair Credit Reporting Act 15 USC 1681 section 602 as consumer reporting agencies suppose to insure with fairness, impartiality, and respect for the consumers right to privacy. XXXX and Experian are consumer reporting agencies and I have the right to protect my private information and make sure it isn't shared which is backed by 15 USC 6801. XXXX XXXX, XXXX, the financial institution and the Consumer reporting agencies XXXX and Experian do not have my consent to furnish this information along with they don't have my written consent. Any and all consent to XXXX, Experian, XXXX XXXX, XXXX whether written, verbal, non verbal implied or otherwise is revoked. IN 15 USC 6802 ( b ) ( c ) it states that financial institutions may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer gives a explanation of how the consumer can exercise that nondisclosure option. XXXX XXXX and XXXX never informed me of my right to exercise my nondisclosure option. These accounts are adverse items, ( 15 USC 1681C ( a ) ( 5 ) explains and they are reporting again without my permission which is against the law. Also 15 U.S. Code 1681s-2 ( A ) ( 1 ) states, 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. XXXX and Experian are not maintaining reasonable procedures to avoid violations of section 1681c of 15 U.S. Code 1681e.to sum it up,12 CFR 1016.7 states that A consumer may exercise the right to opt out at any time. I am opting out of your reporting services.
Product: Mortgage

We applied for a mortgage refinance with Sofi on XX/XX/2020. After 4 months, we have not closed ( as of XX/XX/XXXX ). 

Throughout the process, Sofi : ( 1 ) Failed to timely respond to questions or provide updates ; ( 2 ) Missed 4 different projected closing dates ; ( 3 ) Caused our credit scores to drop unnecessarily due to excessive credit pulls caused by closing delays ( dates of pulls : XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020 ) ; ( 4 ) Presented erroneous information in the closing disclosures ; ( 5 ) Misrepresented steps taken to process the application.

We have attached a separate timeline of relevant delays and actions.

To summarize : Sofi has taken over four months to process a single refinance, damaged our credit scores through excessive pulls, presented incorrect disclosures, and missed several projected closing dates. Sofi has  been insufficiently responsive and has failed to provide substantive updates.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a XXXX account that I opened XX/XX/XXXX. Apparently, XXXX changed the banks the company uses for purchases on several occasions and every time this happens XXXX reports to the credit bureaus that I closed my account. From my understanding, the letter I received from XXXX about these changes stated that I will continue to have the same customer number, but they will provide me with a new XXXX account number. The issue is that on my credit report it shows my XXXX account that I originally opened which listed as by " XXXX XXXXXXXX XXXX Account '' on XX/XX/XXXX. This account was fraudulently reported as being closed on XX/XX/XXXX. Another XXXX account listed as " XXXX XXXX XXXX  Account '' was fraudulently reported that I opened this account on XX/XX/XXXX, following the " supposed '' and " fraudulent '' closure of the previous account which was fraudulently reported as being closed on XX/XX/XXXX. This account was also fraudulently reported as being closed on XX/XX/XXXX. Lastly, another XXXX account listed as " XXXX XXXXXXXX XXXX Account '' was fraudulently reported as being opened on XX/XX/XXXX, which contradicts the previous reported date of my XXXX  account being closed on XX/XX/XXXX. This account is reported as still being active. My customer number on these accounts did not change, but there were changes to me XXXX account number on all of them. At the moment I do not have access the different account numbers that were provided to me. I am currently trying to retrieve them from XXXX.
Product: Payday loan, title loan, personal loan, or advance loan

I recently found that they took a significantly large payment from me on the XXXX XXXX XXXX. Around XXXX XXXXwhich shocked me as I was paying {$92.00} due to financial hardship for months now and got XXXX notification of this change. Looking back at my payment history apparently they started doing this back in XXXX. For one thing this is a 18 % interest loan. Additionally they took this large payment just for interest alone without even touching the principal. And its an immediate issue for me that they did not communicate this change in payment amount with me! I can not pay this amount consistently!
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and Bank of America. The Account Opened is Bank of America Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$9000.00}. 
Bank of America Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$13000.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I am in the process of selling my mobile home. When the closing attorney 's office went to the DMV to do a title search they found out that XXXX ( now Ditech ) had a lien on my title. They tried to contact the company but they would not talk to them because it was my property. Mind you, XXXX was my mortgage company when I first purchased the home in XXXX and I re-financed the home about 10 years ago with XXXX and I 'm not understanding why they did not obtain my title at that time but anyway, I contacted the company and they told me that a lien release letter needed to be sent to an email address ( only contact to this department is via email or fax NO # to call ) and they told me to provide as much information as I could because they could not locate an account in their system and it would need to be researched. So, the closing attorney 's office sent in this information and got an email back stating that the release was in process but NO information about where it was going ... It has been 10 days, numerous attempts from me to find out what the lien-release process is and where the information is being sent to, DMV/Attorney 's office/ME NOTHING!!!  This is holding up closing of my house and now the new buyers are having to pay to extend the loan until this problem is solved. Can someone please intercede here and help me resolve this issue??
Product: Checking or savings account

JP Morgan Chase Bank has been making payments to XXXX XXXX for several years, but the business owner called me to report the payment which Chase claims was sent on XX/XX/21 was never received. On the third call to Chase Customer Claims, I determined that Chase switched from paper checks to an electronic deposit for this payment. The business owner checked her accounts and says no such payment was made, and in any case she does not accept this method of payment, so I had to write a check for {$160.00} to cover this payment. Chase Customer Claims notified me on XX/XX/21 that they consider this payment as having been made and the case settled. I subsequently took this matter up with the manager of the Chase branch where I have this account in XXXX, WA, ( whose name is XXXX ) and she assured me she would follow up and resolve this matter, promising to call me back by XX/XX/21 but this still hasn't occurred. 
I'd appreciate the CFPB 's assistance in resolving this, thank you.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my 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 XXXX '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: Credit reporting or other personal consumer reports

I am writing to you today to once again dispute the item that appears on my credit report. As I mentioned in my previous letter, I have been a victim of identity theft, and fraudulent item was opened in my name without my knowledge. I already forwarded the required FTC report to the company and they have acknowledged that this item was fraudulent and have removed it. However, I have noticed that your bureau has continued to report this item, even though the other credit bureaus have already removed it. I would like to remind you that as a credit bureau, you are required by law to ensure that your records are accurate and up-to-date. By failing to remove this fraudulent public record, you are not complying with the law and are putting me at risk of further harm. 

Bankruptcy XXXX XXXX XXXX Reference : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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Product: Checking or savings account

I received this message from chime about my account on XX/XX/2022 XXXX XXXX  est Following a recent review of your Checking Account, we regret to inform you that we have made the decision to end our relationship with you at this time. Your Checking Account will be closed on XX/XX/2022. 

Once your Checking Account is closed, a check for any remaining balance will be mailed to you within thirty ( 30 ) days of XX/XX/2022 to the address we have on file for you.
Product: Debt collection

I do not believe I owe what you say I owe. In accordance with section 609 validating debts of fair credit collection practices act and also section 623 ( 15 usc 1691s-2 ) responsibility of furnished information I respectfully request that portofoilio recovery provides in wroting the following What the money you say I owe Identify the original creditor Copies of any paper that showed I agreed to pay you with a wet signature Proof that you are licensed in my state to collect this debt Be advised that I am fully of my rights under the fair credit reporting act. If you do not verify this debt I demand you immediately delete from every credit bureaus. Reporting information that you know is null and void once the company charged off as a loss in which the company forfeit any monies and you must get information from the trust who owns the debt of failing to report information correctly violates the fcra 1681s-2 violation 15 usc 1692e ( 11 ). You do know once the