23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I deleted the first message received from sunrise debt collection the other week and reported it junk on my XXXX but the first message was also before XXXX. 
I now have been contacted two more times prior to XXXX. 

Once on XX/XX/23 via text at XXXX And today XX/XX/23 at XXXX. 

According to everything Ive read online they should not be contacting me before XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Items were removed waiting for it to show as removed on my Experian credit report.
Product: Checking or savings account

On XX/XX/, I walked in to my financial institution BANK OF AMERICA to withdrawal my available funds to pay my monthly rent and monthly utility bills. Unfortunately, to my surprise the bank teller told my checking is closed and are unable to withdrawal my available funds at this time and wrote down a phone number for me to call to receive further information. I then call and came to find out the risk department closed my checking because of a check that was deposited into my checking account that I did not deposit. And let the representative know that on XX/XX/ my car was broken into, my purse, wallet, bank ATM card was taken n stolen from stolen me. I went on to say, I guarantee you won't see my face depositing that check. I do need access to receive my available funds. The representative then told me my available funds will be put in a check and will be issued out to meXX/XX/2023XXXX I then said What? Wait a minute, that's my source of living, my social security benefit payment, my federal income tax refund funds is what I have to live off for the month. So my rent, my utility bills, are going to be unpaid. N more than likely be given a late charge and be put at risk of being evicted because my rent is every XXXX of the month. How am I suppose to eat. The representative very rudely said I'm sorry I don't know what else to tell you. And hung up on me. How unfair is that.
Product: Credit reporting or other personal consumer reports

National Credit systems is violating my rights by placing information on my credit report that is inaccurate. I have never done any business with any company that is associated with national Credit systems and I have never signed any contract with that company either.
Product: Debt collection

In XXXX XXXX I had a few unpaid toll road charges assessed to my license plate from the XXXX XXXX XXXX XXXX XXXX. I am a toll tag consumer with XXXX Texas XXXX XXXX. In the state of Texas if you have a toll tag with another agency, your toll tag is operational within the state Texas. Linebarger, Groggan, Blair, & Sampson LLP is a collection law firm for the state of Texas. XXXX fail to notify me about these unpaid charges. They claim they sent invoices to the mailing address associated with my XXXX account. I never received those notices. In fact in XXXX I received an invoice from XXXX and took care of those charges. My mailing address has never changed. After 60 days my unpaid tolls were sent to the collection law firm. They claim they sent notices and phones calls I never received. XXXX XXXX, XXXX was my first notification, because I was renewing my vehicle registration and there was a hold on my registration. I am a law abiding citizen and a tax payer. I would have appreciated if XXXX would have notified me better, so all of this would have been avoided. I have a toll tag account in good standings. Those toll charges could have been deducted from my account. XXXX policies are not set up that way and they do n't share or have access to the different toll agencies. I have been trying to negotiate with the law firm, but they keep giving me the run around. I thought a had a glimmer of hope when a representative from XXXX 's administrative office contacted me to make a settlement with removing some court fees. The total bill is {$490.00} and the administrator offer to reduce the charges to {$280.00}. I counter offer for half of the {$490.00} with {$240.00}. The administrator explained she had to consult with the attorney. The attorney denied my offer and it 's written in their system that I denied the settlement offer and I have to pay the full amount. I need my registration newed so, I will be in compliance with state operating my vehicle on Texas roads. I am restricted to use the toll roads, because this matter is not resolved. This is all a big inconvenience for me. XXXX is being greedy and want to enforce their laws instead of being reasonable and work to with me. I feel I should not have to pay those tacked on fees just the toll road charges which total up to {$14.00}, but I 'm willing to pay some fees, so that I can move on with my life. I do n't have time or the energy to go back and forth with these people. Can you please help me.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX Washington XXXX DC XXXX XXXX : Complaint Regarding Failure to Remove Outdated Addresses from My Credit Report To Whom It May Concern, I am writing to formally request the assistance of the Consumer Financial Protection Bureau ( CFPB ) regarding an issue with the accuracy of my credit report. Specifically, outdated and irrelevant addresses continue to appear on my credit report, despite multiple requests for their removal. This failure to address my concerns raises questions regarding compliance with Section 623 ( e ) of the Fair Credit Reporting Act ( FCRA ) and 15 U.S. Code 1679c. 

These outdated addresses are not relevant to my current financial profile or creditworthiness, and their continued presence creates unnecessary confusion, potential risks of misattributed accounts, and increases the possibility of identity theft. My current address is as follows : XXXX XXXX XXXX XXXX XXXX, XXXX, WI XXXX Under Section 623 ( e ) of the FCRA, data furnishers and credit reporting agencies ( CRAs ) are required to ensure the accuracy of information contained in consumer reports. Additionally, under 15 U.S. Code 1679c, consumers are entitled to accurate and up-to-date information on their credit reports. The inclusion of outdated addresses fails to meet these legal requirements and does not serve a legitimate purpose. 

I have previously contacted the CRAs to request the removal of these outdated addresses, providing sufficient documentation to validate my current address. Despite my efforts, the issue has not been resolved, and no satisfactory explanation has been provided. I am requesting the CFPB to : 1. Show Cause : Require the CRAs to provide a detailed explanation as to why they have failed to remove the outdated addresses. 
2. Take Corrective Action : Investigate and ensure the removal of outdated and irrelevant addresses from my credit report. 

Please contact me at XXXX or via email at XXXX for any further information you may require to expedite this investigation. 

I trust that the CFPB will take swift action to resolve this matter. Thank you for your attention to this complaint, and I look forward to your response. 

Sincerely, XXXX XXXX
Product: Checking or savings account

XXXX XXXX threw my checking saving at SoFi online banking. I was a no d had vs it hooked to the XXXX app before i found I was looking at a domain not of omg its bizarre but. Money hands over fist flowing out my investments buys in changed, market prices. The amount of stock purchases XXXX off top. My head XXXX purchsedc see XXXX, another XXXX shares and over XXXX. Both these $ XXXX cents to {$.00} cents time purchases and up in. Dollars now its happened at XXXX online and XXXX just idea {$5000.00} nvida at the end XXXX and Ive not collected. At dividends one or Ive been so robbed. It. Continuing daily the things done to my gear XXXX XXXX my. XXXX XXXX XXXX right now Ive been trying. To get my verified code all day all my emails its spilled out b everything. It has been XXXX its been really deceitful and deceptive I needed get something b outs my battery about to die but FTCCsaid do not wait. Thank you for Finally getting back to me this been so hard absolute XXXX Id love. Pay my taxes on my fortunes I. Earned. Unlike XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Upgrade Account - Account Number : XXXX I am writing to formally dispute the handling of my Upgrade account, which has caused significant concern regarding the accuracy of my credit reporting. I previously disputed the negative payment history associated with this account, and on XX/XX/XXXX, the account was updated to reflect " Paid as Agreed. '' However, as of XX/XX/XXXX, I noticed that Experian has reasserted the negative payment history, causing the account to once again reflect a negative status. 

I find this situation both perplexing and concerning, as it appears to contradict the previous update that indicated my account was in good standing. To provide evidence of this inconsistency, I will attach copies of my credit reports showing the status of the account before and after the updates. 

Furthermore, I believe that this situation may involve fraudulent activity, and I am prepared to file a report with the Federal Trade Commission ( FTC ) regarding this matter. I am also exploring my legal options to ensure that my rights are protected and that my credit report accurately reflects my payment history. 

I appreciate your attention to this matter and kindly request your assistance in resolving this issue. Please let me know if you require any additional information or documentation from my end. 

Thank you for your prompt attention to this serious concern. 

Sincerely, XXXX XXXX
Product: Mortgage

I recently paid off my mortgage ( address XXXX XXXX XXXX XXXX XXXX PA XXXX ) on XX/XX/2022. I have been attempting to call them and hold times are incredibly long and can not get anyone to assist me. There was an Escrow to Mortgagor Disbursement in the amount of {$4100.00} ( check ) that was sent on XX/XX/2022 that I have yet to receive at my current address of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX or at my property address noted above. 

I am looking for assistance in attempting to obtain these funds. I maybe reached at XXXX or via email at XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns about Zelles handling of disputes, particularly in light of the recent CFPB lawsuit that revealed significant issues with the platform. Despite using Zelle multiple times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims thoroughly. They dismissed my claims, stating that recovering lost funds was impossible and tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle not only neglected to protect consumers but 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 was notified of my ex spouse 's passing and that an account in my name was past due for XXXX XXXX XXXX  The charges were made by my ex spouse and I suspect when he passed, he was unable to pay this bill which led to my credit scores dropping. We have been divorced for several years and I have submitted documentation of our finalized divorce papers. I contacted Experian twice once on XX/XX/XXXX and on XX/XX/XXXX with responses that said " The company that reported the information has certified to Experian that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. '' I am requesting to remove the past due balance and clear my name from the negative reports from the credit card bureaus that have negatively affected my credit score.
Product: Credit card or prepaid card

XX/XX/2020, my card information was accessed without my knowledge. They made a withdrawal for {$800.00} dollars at XXXX XXXX and a {$1000.00} purchase at XXXX. Monday XX/XX/2020, I log into my mobile banking app to find out about these transactions. I immediately contact my bank and file a claim for these transactions. Since then, the {$800.00} transaction from XXXX XXXX has been credited back to my account but under review the {$1000.00} purchase is not considered fraudulent to them. I am asking for help considering the fact that I did not make any of those transactions myself. I am writing a letter to my bank for them to reconsider my claim and look into it once more. That bank is, Bank of America and my claim ID # is, XXXX. Thank you and I would really appreciate if anyone could help me out with this matter.
Product: Money transfer, virtual currency, or money service

My tax return was supposed to be for {$2100.00}, when it hit my account I only received {$1900.00}. 
I had inquired as to where almost {$300.00} dollars had gone from my taxes. 
Also I had not used chime since 2022 so my debit card was expired and XXXX XXXX XXXX was lost I could only transfer money from my chime to XXXX XXXX and use the numbers chime provided me on XXXX XXXX XXXX until a new card arrived. 
XX/XX/XXXX I had gone to sleep with {$190.00} in my savings, XXXX XXXX had {$450.00} and my checking had {$40.00} in it. 
XX/XX/XXXX, while I was at work I had eaten XXXX and used the mobile app for {$12.00} the at lunch time I was going to pay my billls an seen that all my money was gone! 
My account was in the negative, I messaged chime, I put a dispute in, they denied me! I have emailed and complained called multiple times and no one has responded to what happened to my funds it was used on my card that I have not had {$190.00} was sent to XXXX XXXX at XXXX from savings then the XXXX XXXX card was used at XXXX XXXX for {$200.00}, there were XXXX {$200.00} dollar withdrawals and in my emails it says that another person has logged into my chime and changed my pin?! 
I hadnt noticed this until I realized my money was missing. Chime wanted me to prove I hadnt done it, the proof is in there own emails there was XXXX different logins in XXXX an my pin and card were both changed. Yet they denied my dispute. Also I had gone to XXXX XXXX to see if maybe they could help me out tracking my card numbers A man came in bought items then tried to return them for cash saying the card he bought them on was expired, yet they sent the money back to my card. I had already called chime before the return an asked them to send new cards. When I had called and did a dispute the person put all my transactions from XXXX XXXX on the dispute even XXXX from XXXX they didnt listen to anything I said and disputed XXXX items when it should have only been XXXX I tried again an they didnt except it either. I had done the XXXX payment and XXXX payment online I didnt have the physical card. Someone had to of had it to make withdrawals! 
I just received my new card today but its to late my moneys gone Im out over {$800.00} dollars. Yet they did nothing to help me. 
Please I beg you for help, I dont know what else to do. My names XXXX XXXX number is ( XXXX ) XXXX, email XXXX I thank you for your time a pray to hear from someone, God bless!! 

Sincerely ; XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to inform you that my social security number has been compromised, resulting in identity theft. I have reported this to the Federal Trade Commission and enclosed the FTC Report with this letter. 

Under 15 USC 1681c-2 c ( a ), you are required to block and remove all fraudulent information from my credit report within four business days. The following accounts are unverified and inaccurate, violating my consumer rights under the Fair Credit Reporting Act ( 15 USC 1681 ) : ACCOUNTS BEING CHALLENGE : XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SXXXX XXXX XXXX If you fail to respond promptly, I will pursue legal action, seeking damages for each violation under 15 U.S.C 1692k. The violations include : Defamation of Character Negligent Enhancement of Identity Fraud Violation of the Fair Credit Reporting Act Civil liability for negligent non-compliance ( 15 USC 1681o ) Civil liability for willful non-compliance ( 15 USC 1681n ( b ) ) Failure to comply with 15 USC 1692 ( g ) Violation of permissible purposes of consumer reports ( 15 USC 1681b ) Method of verification ( 15 USC 1681i ( 7 ) ) Right to privacy ( 15 USC 1681 a ( 4 ) ) Requirements relating to information contained in consumer reports ( 15 USC 1681c ) I demand immediate action to block and remove the fraudulent accounts from my credit report. I have provided the necessary information to facilitate this process and request that you acknowledge receipt of this letter and provide a timeline for resolution.

Additionally, I am aware of delays in processing consumer disputes and challenge your belief that third-party assistance justifies such delays. This is a violation of 15 USC 1681i, and any delay will be forwarded to my attorney. 

Please acknowledge this letter and provide a timeline for resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

N accordance with Fair Credit Reporting Act XXXX  account XXXX XXXX XXXX XXXX, has violated my right 15 U.S.C 1681 scetion 602 A. States I have the right to privacy. 15 U.S.C 1681 scetion 604 A. Scetion 2 : it also states a consumer reporting agency can not furnish a account without my written instructions it is illegal to have negative on credit report can cost between one and {$1000.00} per in fraction
Product: Mortgage

Since its origination in XXXX, the mortgage for the subject property has never had an escrow for insurance -- it was always paid out of pocket directly. In XX/XX/XXXX, I changed insurance companies, without any lapse in coverage or change in terms. I provided Shellpoint Mortgage Services the new policy, and they accepted it. However, Shellpoint ordered forced place insurance coverage and included it into my escrow -- raising the monthly payment by more than $ XXXX month. 

I have submitted at least XXXX complaints and repeated calls during the past XXXX months to explain the situation and implore SP to correct it, all while continuing to make my increased payments.SP has opened no less than XXXX " case investigations '' and the end ensuring that the problem will be fixed. ( Ref. SP case XXXX. XXXX and XXXX ). To my knowledge, no escrow analysis has been run to correct the problem, and none has been provided to me. Instead, SP or its insurance affiliates continues to collect on premium forced placed insurance rates, which were wrongly imposed on this property, and continues to charge me thousands in extra costs being run through the escrow, causing me great financial harm for the past XXXX months.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act 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.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card XXXX account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint regarding the inaccurate reporting of late or missed payments on my credit reports. This erroneous information violates several provisions of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ), which requires credit reporting agencies to ensure the maximum possible accuracy of the information they report, and 15 U.S.C. 1681i ( a ), which mandates a reasonable reinvestigation of disputed information. Additionally, the furnishers of this inaccurate data are in violation of 15 U.S.C. 1681s-2 ( a ), which prohibits providing false or misleading information to credit bureaus. These inaccuracies are negatively affecting my credit profile, and I request the CFPB to investigate and ensure that the credit bureaus and data furnishers correct my records to reflect my true payment history promptly.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX I sent a letter to the XXXX major bureaus outlining inaccurate and unverified accounts on my report. It is almost 60 days later and I have not received remedy. The latest credit report I checked still shows that this account is being reported inaccurately and incorrectly, despite that I sent previous dispute letters to your agency. This account is being reported reflecting multiple " violation '' statements. I don't believe the status of this account is accurate. I urge your agency to reinvestigate this account and ensure that correct, fair, and complete reporting is given. I demand proof that you went through all the proper and logical steps that would have been necessary to validate or refute my dispute. If your agency is unable to do so, I demand that this account be deleted from my credit report. IC systems is in violation of consumer rights and reporting false information on public consumer reports.
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 
INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Vehicle loan or lease

I filled out a 1099 a form for my auto loan that was approved by the IRS on XX/XX/2023. I just want them to correct my account and send me title!
Product: Debt collection

Not properly disputing and removing false and inaccurate information from my report Account numbers- XXXX and XXXX All three bureaus have been negligent as well as the accused in removing these accounts immediately. The treatment of unverifiable information when sending over the disputes is clearly unlawful under 15 U.S code 1681 ( i ). There is account level documentation because the accounts are inaccurate and dont exist.
Product: Mortgage

On XXXX XXXX, XXXX I pulled up a credit report to find that Wells Fargo had incorrectly reported a foreclosure to all the credit bureaus wreaking havoc on my credit which is still damaged due to this mistake made by Wells Fargo. I sent multiple letters and have received multiple notices from the company assuring me that it would be removed but to no avail. I sent and have copies of the mortgage paid in full and without a flaw on XXXX XXXX, XXXX. I wrote their CEO via email XXXX XXXX and have still not received a reply to permanently remove this mistake from my credit which has gone down since this simply unexplicable mistake was made by Wells Fargo. I 'm writing you so that we can begin the process of remedying this matter once and for all so I do n't have to hire an attorney to sue Wells Fargo. It is absolutely unacceptable that I have had to endure this lie all these months after multiple requests to remedy their mistake. My good name has been tarnished and I want to know how this can be resolved once and for all.
Product: Credit reporting or other personal consumer reports

One in XXXX of XXXX  found an account that was paid and closed however the account is still active on my report now even though in XXXX I had it reinvestagated and it clearly says paid and closed
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters over 30 days ago and haven't received a response. I'm concerned about invalid items on my credit report. I'm under a lot of stress and having a hard time day to day after seeing the items on my credit report.