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

We received your complaint. Thank you. 
We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. 
YOUR COMPLAINT In accordance with The Fair Credit Reporting Act this creditor has violated my Federally Protected Consumer rights. Per 15 USC 1681b Permissble Purposes 604a section 2 - states any consumer reporting agency may furnish a consumer report under the following circumstances an no other : ( 2 ) CLEARLY STATES : in accordance with the written instructions of the consumer in which whom it relates. ( violation # 1 ) Under 15 USC 1681 602 ( a ) STATES : Accuracy and fairness of credit reporting.The Congress makes the following findings : ( 4 ) STATES : There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. UNDER : Privacy Act of 1974 ( 5 U.S. Code 552a ) ( b ) Conditions of disclosure : STATES No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains, unless disclosure of the record would be -- ( VIOLATION # 2 ) 15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ;
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Incorrect Late Payment Reporting XXXX XXXX Dear Credit Bureau, I am writing to formally dispute the late payment reporting on my credit profile for my account with XXXX XXXX. The reported late payments are inaccurate and should be updated to reflect " Paid as Agreed '' due to multiple violations of federal consumer protection laws. 
XXXX XXXX has violated my rights under 15 U.S.C. 1666b, which states that a creditor may not treat a payment on a credit card account as late unless it has adopted reasonable procedures to ensure that periodic statements are delivered at least 21 days before the payment due date. I never received such a statement from XXXX XXXX. If they claim otherwise, they must provide verifiable proof, including a tracking number, showing that the statement was actually delivered to me. Failure to do so renders the late payment reporting invalid and in violation of federal law.

Additionally, my rights under 15 U.S.C. 6802 have been violated, which prohibits financial institutions from disclosing consumer financial information without explicit consent. I never provided XXXX XXXX with permission to report my account information to any credit bureau, and I am exercising my right to opt out of such reporting. I formally request that this information be removed from my credit file immediately.

Furthermore, under 15 U.S.C. 1681s-2 ( 7 ), before furnishing negative information to a consumer reporting agency, the financial institution must provide a written notice to the consumer either before or within 30 days of reporting the negative information. I was never notified in writing of this negative information. If XXXX XXXX claims they provided such a notice, they must produce verifiable proof, including a tracking number. If they can not do so, the late payment must be removed from my credit report as required by law.

In light of these violations, I demand that my account status be updated to reflect Paid as Agreed or be removed entirely from my credit report. Failure to do so will leave me with no choice but to pursue legal action against both XXXX XXXX and this credit bureau for non-compliance with federal consumer protection laws. The payment to this account was never late.

I have attached copies of the relevant federal statutes, including : 15 U.S.C. 1666b Timely delivery of periodic statements 15 U.S.C. 6802 Consumer financial privacy rights 15 U.S.C. 1681s-2 ( 7 ) Notice requirements for negative credit reporting Please investigate this matter and respond in writing within 30 days, as required by the Fair Credit Reporting Act. 
Sincerely, XXXX XXXX
Product: Debt collection

I am writing to bring to your urgent attention a critical issue concerning my credit report. Upon reviewing it, I have discovered fraudulent account that do not belong to me. I formally dispute the presence of this unauthorized account and request their immediate and aggressive removal from my credit report. As a victim of identity theft, I am perplexed as to why the CRA is not complying with the law, especially when the other bureaus have done so. I have provided supporting documentation, including a copy of my identity document, and any other relevant materials, to substantiate the claim that this account is a result of identity theft or fraudulent activity. The fraudulent account in question : LVNV FUNDING  XXXX Recognizing the importance of your role in maintaining accurate and reliable credit information, I urge you to swiftly and aggressively investigate and remove this fraudulent account from my credit report. It is crucial that these unauthorized entries be deleted as soon as possible to prevent further damage to my credit score and financial standing. I appreciate your understanding of the urgency surrounding this matter and request your prompt attention in resolving this dispute. I hereby request that you initiate an immediate investigation into this fraudulent account and provide me with the results as soon as possible. I expect that you will take all necessary actions to promptly delete these entries, ensuring the accuracy and integrity of my credit report. Thank you for your prompt attention to this matter. I eagerly anticipate a swift resolution and the removal of the fraudulent account from my credit report.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX and list of Inquiries. 


15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been calling 180 Resolutions since XXXX of 2019 to pay this debt in full or get a payment arrangement. I want in return for 180 resolutions to STOP and reverse the dings on my credit score. This is unnecessary and is hurting me the CONSUMER credit report. I have called New Mexico Student loans and they are unable to help because the loan or note has been sold to 180 credit resolutions. They are not willing to work with me every time I call.
Product: Payday loan, title loan, personal loan, or advance loan

I told them I had never spoken to them about a loan nor had I ever gotten any mail from them or emails concerning a loan. 
When I found out about this I was paying off my son 's debts with insurance money and hoped that he would have money in his bank account ( which was frozen for 60 days due to no will ) .Also he had recently opened a restaurant and I assumed he had used loan money to do so.I thought I could get money back from it, which I couldn't. Trying to do the right thing, I said I would pay a few times until I found out.When I couldn't get money from the restaurant and he had none at the bank, I said stop future payments. They said because I paid the 2 payments it was considered my loan.
Product: Mortgage

my house was rezoned to require flood on XXXX XXXX newrez sent a letter post marked XX/XX/XXXX but letter was dated XX/XX/XXXX advising i had 45 days to obtain flood from date of letter. I immediately contacted my ins agent and purchased flood. fema has a 30 day waiting period to activate. called newrez mortgage and explained. I sent my paid credit card receipt for flood. Newrez placed me in a flood policy and trying to collect {$100.00} by adding to my monthly payment. would like a credit from them but no response just bill
Product: Credit reporting or other personal consumer reports

I'd like to express my strong dissatisfaction with the unauthorized accounts appearing on my credit report, which I believe are the result of identity theft. These accounts are causing significant disruption to my financial standing, and I insist on their immediate removal. I have taken the necessary steps to address this issue promptly, including reporting the identity theft to relevant authorities and disputing these fraudulent accounts with the creditors. However, the lack of cooperation and information from both the creditors and your bureau is unacceptable. Given the seriousness of identity theft and my rights under the Fair Credit Reporting Act ( FCRA ), I insist that you take immediate action to remove these questionable accounts from my credit report. 

XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Debt collection

I opened up dispute with credit bureaus last month in XXXX regarding this alleged debt. There is no proof I owe this alleged debt and and just a regular computer generated statement is not proof i owe debt. I want this account removed before I take legal action with my Consumer attorney XXXX XXXX, XXXX in XXXX, Florida
Product: Debt collection

The current issue just came to my attention when I attempted to get a loan and was asked about a charge-off listed on my account. I should not have had any charge-offs so after requesting my credit report I found that CNAC had reported this to the credit agency. CNAC was the holder of a car loan that was sold to another company who filed a civil suit. This went to mediation and the case was dismissed due to the alleged debt being the direct result of an illegal repossession and illegal communication of this debt according to GA law. The company did not sent proper notification under GA law. The illegal repossession and communications were done by CNAC at the time they first attempted to collect this alleged debt. These actions lead to the dismissal of the debt and was filed with the court. It has now come to my attention that CNAC is reporting this as a charge-off on my account when the debt was dismissed due to it being an illegal repossession and improper communication of debt. CNAC would not accept me telling them via a phone call this case had been settled and refused to acknowledge that this debt had been dismissed. This debt is an invalid debt and was proven as such in the civil case regarding this alleged debt. This is negatively impacting my credit and has contributed to me not being able to obtain credit on several occasions.
Product: Checking or savings account

XX/XX/year> there was an overdraft on my account for new military gear and uniforms. 
XX/XX/year> there was an over draft fee charged to my account that was displaying available money. I was ordering food from a restaurant and spent over {$50.00}. 
XX/XX/year> I attempted to purchase XXXX brands new set of navy uniform pants and uniforms which resulted in XXXX XXXX from the XXXX and I was charged an overdraft fee after the account displayed available finances. 
XX/XX/year> I received an overdraft fee for paying my bi-weekly car note off {$730.00} and $ XXXX on gas weekly. 
XX/XX/year> there was an overdraft fee on my account while ordering XXXX XXXXXXXX worth of fast food for my family. 
XX/XX/year> there was a monthly bank statement declaring the overdraft fees for the overall months deposit. 
XX/XX/year> overdrafts fees became a repetitive thing because of the misinformation of available deposit money. 
XX/XX/year> there was an overdraft fee for car maintenance. I purchase four brand new tires on my car and a new battery resulting in fees over XXXX XXXX The problem is I would receive overdraft fees on my account while not particularly knowing exactly how much money I had due to constantly transferring money from other financial sources.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted TransUnion regarding the delinquent status of the XXXX XXXX XXXX XXXX account. I told TransUnion that the account was not mine. After 30 days TransUnion never personally contacted me but instead submitted this statement on my credit report. 



Balance {$140.00} Highest Balance {$140.00} Opened XX/XX/2016 ( 3 yrs, 1 mo )  Account status Open Type -- Responsibility Individual Remarks Account information disputed by consumer, meets FCRA requirements Original Creditor Name XXXX XXXX XXXX XXXX TransUnion is in violation of Section 603 of the FCRA. They could not have verified the account because I never signed nor did I agree to have service somewhere that I never lived.

Therefore, I want TransUnion to remove this debt immediately or I will see them in Federal Court.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns about Zelle 's handling of dispute resolutions, particularly in light of the recent Consumer Financial Protection Bureau ( CFPB ) lawsuits that have highlighted significant issues with the platform. Despite my repeated use of Zelle and my efforts to report discrepancies, both my financial institution and Zelle have failed to adequately investigate my claims. I was informed that recovering lost funds was impossible and that tracking these transactions was unfeasible.

The findings from the CFPB indicate that Zelle has not only neglected to protect consumers but has also allowed repeated 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.

I urge a thorough review of my cases and request that measures be implemented to enhance the security and efficacy of dispute resolution on your platform.
Product: Credit reporting or other personal consumer reports

I DID AUTHORIZE THE INQUIRIES LIST BELOW ALSO THERE ARE ALOT OF DUPLICATES XXXX XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXXI XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXXXXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX XXXX  XX/XX/XXXXXXXX XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXXXXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXXXXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX
Product: Credit card

I have a XXXX Rewards Card that was initially issued by XXXX Bank. I think that in the middle of last month, XXXX 2015, the card was taken over by Synchrony Bank. XXXX Bank sent me a statement at the beginning of XXXX telling me to send payment of at least {$25.00} to XXXX by XXXX XXXX. On XXXX XXXX, my bank sent XXXX an online payment of {$700.00} which is how I 've paid that bill for years. I went to XXXX 's website the next week to see if the payment had been made, but the XXXX Card had been removed. On XXXX XXXX, I received an email from Synchrony Bank telling me that I could access my account on their website. I did and found that the {$700.00} payment had not been credited. I called Synchrony the next day, XXXX XXXX, and they said they had no record of the {$700.00} payment. They also said I had to make a payment by XXXX XXXX or I 'd be charged a late fee. I called XXXX, which recieved the payment from my bank and they said they had no record of it. I also called my bank, XXXX XXXX XXXX XXXX, which sent me the wire receipts showing the funds being wired to XXXX. 
Yesterday, XXXX XXXX, Synchrony Bank charged me a late fee. My credit union is investigating what happened to the payment and calling me with updates, but neither it, XXXX, or Synchrony know where my {$700.00} went.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX Ct XXXX, SC XXXX XXXX ( XXXX ) XXXX XX/XX/year> XXXX XXXX XXXX XXXX : Dispute XXXX Department XXXX XXXX XXXX XXXX, GA XXXX Subject : Formal Dispute of Account # XXXX for Civil Liability for Negligence and Noncompliance Dear XXXX I am writing to dispute the information on my credit report concerning the account reported by XXXX  XXXX XXXX XXXX originally incurred with " XXXX XXXX XXXX  ''. The account reference is # XXXX, and I believe it contains inaccuracies that demonstrate potential civil liability for negligence and noncompliance under Section 16810 of the Fair Credit Reporting Act ( FCRA ).

Upon examination, I have identified the following issues : 1. **Collection Status Reporting : ** The account is marked as derogatory, placed for collection with a balance of {$5000.00}. However, there is no record of monthly payments or any adjustments since its reporting on XX/XX/year>. 

2. **Payment History Anomalies : ** The legend detailing the two-year payment history reflects consistent indications of collection or chargeoff without any documented changes or updates. This repetition raises concerns about accurate reporting practices. 

3. **Lack of Payment Date : ** The absence of a " Date of Last Payment '' suggests potential discrepancies in how the account has been reported and managed, impacting its compliance with FCRA requirements.

According to Section 16810, XXXX XXXX XXXX is responsible for the accuracy, fairness, and complete reporting of debt information. The inconsistencies listed above suggest that there XXXX have been negligence or errors in fulfilling these duties. 

In accordance with the FCRA, I am requesting an immediate investigation into this account. Please verify the accuracy of this information and correct or remove any erroneous details. I ask for written confirmation of your findings and any supporting documentation used in your investigation. 

I expect your response and necessary adjustments within the timeframe stipulated by the FCRA to avoid any further action. Please address this dispute as a matter of urgency. 

Thank you for your prompt attention. 

Sincerely, XXXX XXXX
Product: Mortgage

please see # XXXX : Mr.Cooper responded to every complaint with similar resolutions with the exception of the attached complaint #. Please confirm if this property located in XXXX is part of a flood disaster or not? This is not " potential '' Hurricane Harvey ( 2017 ), This disaster happened in the XXXX area with disastrous flooding. While Mr. Cooper has not responded to us in this respect, we shall continue to look for help elsewhere. Furthermore, the lastest response addressed the company could not substantiate claims that we were told our payment would be less than the trial payments. If all calls or monitored as indicated, please review calls I made to speak with a Mr. Cooper representative. Although, ( it was Nations Star at the time, I made a call to Nation Star questioning the trial payments, this call would have been during the time we learn of the first trial payment.
Product: Credit card or prepaid card

Since sometime in 2017, I have had a limitation on my PayPal Credit account with no explanation why and no way to remove the limitation. 
I have made many, many attempts to rectify this to no avail. I have repeatedly used their online resolution center, called, emailed, chatted, and always get the same response that my service is limited, can not be used, and nothing can be done to resolve it. 
I have also repeatedly requested that the account be closed, and they will not close it. They continue to send me emails requesting an update to expired cards but then I still can not use the card. 
I have FICO scores of 820+ have NEVER done anything to have a limitation with PayPal - yet can not get this resolved or the account closed. I do not want an account open that I can not use and yet has credit card files on me that I can not control. 
This has been going on now for nearly 3 years! 
I need this matter resolved or the account closed.
Product: Debt collection

i have tried numerous times to contact this company on my credit report that i have no knowledge of that is trying to collect over XXXX from me i have never signed a contract electronically nor in person with them nor any of there affiliates
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX