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

Experience has failed to fulfill its legal obligation under the fair credit reporting act ( FCRA ) to conduct a reasonable investigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The 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 I provided causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend all disputed accounts as experians inaction violates federal laws and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Every where on the internet including federal trade commissionsays don '' t trust a business to clear your credit report they have n't seen one yet do it right or correctly ... Save your money. So then all over the internet it says its possible to do it yourself and thats about it. then everyone just talks circles about how you can do it yourself ... And never tells you how?? Or gives you a step by step guide on how you can remove negative marks on your credit report. So please how do i get this done?? I have one collections that i paid two years ago imeadiatly when i found out about it.
Product: Money transfer, virtual currency, or money service

My Apple Cash account was locked and they are refusing to give me access to the remaining {$170.00} this is absolutely criminal! I demand the immediate reinstatement of my account so I can transfer my money out.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my regarding Zelles handling of disputes particularly in light of CFPB Lost since highlighted significant issues within the platform despite using Zelle numerous times and reporting discrepancies my financial institution and Zelle failed to investigate my claims adequately they both informed me that recovering lost funds was impossible and tracking these funds was in feasible The CFPBs Findings indicate that not only did Zelle neglect to protect consumers but has also allowed to repeat offenders to exploit the system continuously leaving users such as myself vulnerable to many scams. This is unacceptable On behalf of me and every other consumer affected by this.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX  and i was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in MONTHS REPORTING LATE to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( 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 for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

This company never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Checking or savings account

Bank of America have repeatedly denied my dispute claims without justification and violating my consumer protection rights. Had invalid charges by XXXX during COVID and my account was only remedied 1 for reoccurring transaction. I explained to BofA that during COVID could not get to a XXXX representative and I was billed for charges without my consent. 

Most recently, I submitted claims for hair products and showed bank representative that I did not get the products and account had fraudulent charges. The company even showed that they did not send the products and I was still charged. 

The Fraud Claims department did not due their due diligence and I went in to a Branch in XXXX, NC and the banker did little to nothing to resolve my claim. 

This is ridiculous and I want a thorough review of my account by a qualified person as I feel my consumer rights are being violated and UDAAP concerns are apparent.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion and XXXX is reporting an inquiry from XXXX XXXX on XX/XX/2021 on my credit report. I have filed several request to be removed. I also contacted XXXX XXXX. I'm requesting this inquiry deleted and removed from my account. I am not aware of this inquiry. It did not belong to me.
Product: Credit reporting or other personal consumer reports

There is no Signed Legal contract between myself and the XXXX has falsely added this information to my credit reports. There are no Signed XXXX between myself and them. Therefore these false information should be removed from my credit reports immediately
Product: Money transfer, virtual currency, or money service

I'm writing to appeal the sudden, permanent limitation of my Paypal account without a valid reason. I have followed all of the user agreements and have not done anything wrong. I understand that it is important to review accounts to keep Paypal a secure environment. I am willing to provide any information necessary to help reinstate my account and kindly ask that you re-examine the matter and allow me to regain access. Thank you.
Product: Mortgage

Specialized Loan Servicing claim I owe $ XXXX on a XXXX mortgage. 

I have not paid a XXXX mortgage in over 10 years. When I modified or restructured my XXXX XXXX back in 2009 with the XXXX program the agent said my XXXX mortgage was forgiven or discharged because of my financial situation and my home being underwater. 

I have requested a payoff but it was for $ XXXX. 

The original balance was $ XXXX I have not received a statement in over 10 years. I requested a debt validation from XXXX.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act all accounts listed with this consumer reporting agency " LEXIS NEXIS '' has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Lexis Nexis 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 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. 
I have reviewed my credit report and noticed some unauthorized accounts on my credit report under 15 USC 1681 a number 3. Lexis Nexis assumed this role without permission not only that they did not have my consent. Lexis Nexis did not respect my right to privacy which is under 15 USC 1681 a number 4. Lexis Nexis did not exercise grave responsibility, they were unfair, they were partial. Im taken the liberty to file a CFPB report and an attorney general 's complaint. Lexis Nexis never had permissible purpose Under 1681 b number 2. I never instructed those guys to furnish this report and I never consented to this report in the first place. 

Attached are Denial Letters from XXXX & XXXX both of which denied me access to my credit report after submitting all necessary documents. After years of failed attempts, failed phone calls its time to be treated fairly and not unfairly
Product: Credit reporting or other personal consumer reports

First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy.

Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted the following companies any permissible purpose. They are in strict violation of this code. I need these account ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. The FTC is a legal criminal report and I'm filing it under penalty of perjury which I am sending together with this letter. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 

Please remove the following account ( s ) : 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

This is my multiple requests to inform you that I am a victim of identity theft and that I wish to dispute some records in my file that were obtained illegally. The documents I'm looking at don't have anything to do with me or my authority acquiring ownership of any goods, services, or money. Block the notoriety of any material in my credit report that resulted from a claimed scam or extortion, assuming no one cared either way. 
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: Credit reporting, credit repair services, or other personal consumer reports

I have received a copy of my credit report and it shows company I C SYSTEM ( Original Creditor : XXXX XXXX XXXX XXXX ) account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$330.00}. I have tried many times to get this verified with no such luck. Please review for deletion.
Product: Money transfer, virtual currency, or money service

On XX/XX/year> I was in a XXXX trying to take money out of chime ATM. I was using the chime app, I was trying to send our rent money in the amount of {$1400.00} to my room mate. I put in her exact chime username it said sending to her and I confirmed her information when I closed the app out and went to open the app it was sent to a XXXX XXXX a person I don't know. I have requested my money back several times no response. I have filled out several disputes with chime and it has been denied twice I have a police report filled out and I am still not getting the money. Chimes supervisors several of them told me I was approved for a credit to be in my account XXXX XXXX but now I'm getting denied again I need help this was not my fault the representative even said they saw the approval to my roommate and aren't sure what happened. I need this money it's not all my money. Please help I'm really begging please.
Product: Mortgage

A new mortgage company, Shellpoint Mortgage Servicing recently took over my home loan from the previous lender, XXXX, which recently went into bankruptcy. Neither XXXX or Shellpoint ever sent any letters, binders, payment information, or any other type of notifications. All information I obtained was through researching Shellpoint was through another " New Rez '' company that informed me that they were a debt collection agency and I had an outstanding balance of over {$8200.00}. I paid this amount fearing this new loan company would foreclose on my loan, however, there were many " late '' and other unexplained fees. Upon multiple requests to speak to a manager, they denied the requests and refused to assist in explaining how it was legal, ethical or in good faith to charge fees for anything without explaining what the fees were for. 

I received a letter on XX/XX/20 that was dated XX/XX/20 saying there was a negative balance. I have since tried multiple times to contact this company for assistance without reply. This is an unfair delinquency as I have had the funds for months but did not have any information sent to me as to the handling of my loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XX/XX/2022 : I checked my XXXX Credit Report and there is a new hard inquiry on the report from JP Morgan Chase Bank dated : XXXX XX/XX/2022 in which I did not provide my approval or have any awareness of. Im afraid my credit may be compromised or a company had illegally shared my information.
Product: Vehicle loan or lease

In the month of XX/XX/2017 with reasons for the hurricane that afflicted Florida, I was unable to work, for that reason. Immediately I contacted ALLY Financial, in search of help from them, when the Governor of Florida asked all of them the institutions with which the residents of Florida had credit accounts, loans, etc. That at least they will grant to the borrowers, three ( 3 ) months free of payments as well as also that the interest will not be increased. 
Bearing this in mind, I spoke with a man from ALLY and very cordially answered me that as they did not help me and he told me that he could not send me anything in writing, but that he was free of payments during the months of XXXX and XXXX and that the XXXX payment was to pay only {$220.00} of the {$390.00} I usually pay. 
Then in the month of XXXX I started receiving calls demanding a back payment of {$170.00} and when I called to clarify that situation, they answered me at that time that they did not have to give three months as the Governor had requested, that they were two and nothing more. 

To all the above, you can add, that for reasons of my age and health I have tried on many occasions to take into account my situation and help me in some way, to lower the interest of the loan, and have not accepted. 
And this location comes from XX/XX/2017 to which we add fees for tardies until this month.
Product: Mortgage

XXXX, this is XXXX XXXX from XXXX XXXX I can be reached at this number for text messages. You may reply " stop '' at any time. ~ XXXX XXXX XXXX XXXX XXXX XXXX of XXXX XXXX XXXX  XXXX Read My Reviews XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, IN XXXXXXXX XXXX XXXX XXXX XXXX  This person from Lending Tree took all my paperwork and than never contacted me again about my mortgage. Its like a scam.
Product: Credit reporting or other personal consumer reports

I'd discovered a deleted item reinserted back onto my consumer report. This is a clear violation of Section 1681i ( B ) ( ii ) Notice to Comsumer. I was not notified in writing within 5 business days by the Consumer Reporting Agency. This is a clear violation of FCRA & my consumer rights. 

Account ; XXXX XXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX SSN : XXXX DOB : XX/XX/XXXX RE : You Violated The United States Code Law 15 U.S. Code 1681b - Permissible purposes of consumer reports ( 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 accordance with the written instructions of the consumer to whom it relates.

Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report. 
As a consumer by law these accounts on this letter must be deleted immediately or I will seek monetary damages in small claims court in my city and state. Also, we already involved and sent this letter to the Consumer Financial Protection Bureau, Attorney Generals Office, XXXX XXXX XXXX and Federal Trade Commission. 
XXXX XXXX : Account number : XXXX, Please remove it from my credit report. This accounts name and number are quesonable. Either clarify this informaon to me or delete this account immediately from my credit report. 

XXXXXXXX  : Account number : XXXX, Please correct/update this inaccurate informaon on my credit report. To the best of my knowledge, this account has never been paid late. Your reporng is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate informaon immediately. 

XXXX | XX/XX/XXXX : Account number : XXXX Please remove it from my credit report. I have no recollecon of authorizing this credit pull and I demand this to be removed. 

XXXX XXXX XXXX | XX/XX/XXXX : Account number : XXXX Please remove it from my credit report. I have no recollecon of authorizing this credit pull and I demand this to be removed. 

XXXX XXXX XXXX  : Account number : XXXX, Please remove it from my credit report. Kindly invesgate and make sure this account belongs to me, because I can not recognize this business. 
Please delete this account from my credit report. 



Sincerely, XXXX XXXX XXXX
Product: Debt collection

I am writing to formally dispute the inaccurate reporting of an account listed under the name XXXX XXXX on my credit report. I have never entered into any contract, agreement, or financial obligation with XXXX XXXX, and therefore, this account is being reported in error. Under the Fair Credit Reporting Act ( FCRA ) 609 ( a ) ( 1 ), I am requesting verification of this account, including a signed contract or agreement that proves my obligation to XXXX XXXX. If no such documentation can be provided, the account must be deleted immediately under CRA 611 ( a ), which mandates that credit bureaus remove unverifiable or inaccurate information. Additionally, under the Fair Debt Collection Practices Act ( FDCPA ) 809 ( b ), I am requesting debt validation from XXXX XXXX. If they can not prove I owe them a debt, they are in violation of the law, and this account should be removed from my credit report. I have enclosed a copy of my credit report which does not list XXXX XXXX as a party to my debt. This further proves that XXXX XXXX has no legitimate claim to my financial obligation. Please delete this account from my credit report as it has been well over 60 days and is required by law. If this error is not corrected, I am prepared to escalate the matter by filing a complaint with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney Generals office.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im entering this complaint on the basis of Defamation of character frauds identity theft Knowingly and without lawful authority causing damages to my reputation excuses for making these accusations false claims and transferring my private and public information is unlawful without my written or authentication of original signature or document is required and if not provided is unlawful and against the rights of FCRA For me as a consumer Im requesting an opportunity to cure with original documentation of such misleading information about my private & public information. All inquiries need to be removed all charge offs need to be removed because they are income and income can not be reported on consumer credit reports. 
All original documentation should be presented after investigation anything such of copies are considered counterfeit in the law of the FCRA.
Product: Credit card

This happened in XXXX before I knew who and how to report to ... .since loan companies were saying I was approved and wasnt I was directed to destiny credit card by XXXX  where it say automatic approval ... .it said sign and it would be in the mail ... never Happened and when I asked where my card was which was {$700.00} credit limit no fees I was told I wasnt approved dropping my score... I even got another one saying approved... I now have hard inquiries over deceptive advertising from loan companies and credit cards... .unfortunately I didnt screenshot all that ... now today XX/XX/13 I was sent another application but this one is far different from the rest ... .I guess they knew they pulled one on me... I'm so sick of these companies getting away with this
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the XXXX Credit Bureaus to remove these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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

The accounts and inquires are not my items
Product: Debt collection

Received a recorded telephone call from Transworld Systems Inc. saying this was an attempt to collect a debt and to call XXXX XXXX at XXXX. The US Government is paying for credit monitoring for me for the next three years because their computers were hacked last year. I get updates and free credit reports. I do not owe anyone any money and I have an excellent credit score. I am not calling these people back because I looked them up and found that they are a scam. If they want to send me information on this supposed debt then they should do that otherwise I want them to stop calling me. I want this on record with the CFPB in case they try to report me to a credit agency fraudulently. Thank you.
Product: Credit card or prepaid card

Citibank blocked my XXXX XXXX credit car. I can not verify charges. They keep lying that they sent verification letter. I have never received any verification letter. These guys are chronic XXXX.