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

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. XXXX XXXX XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$420.00}, XXXX XXXX XXXX XXXX XXXX Date Opened : XXXX XXXX, XXXX Balance : {$0.00}, XXXX XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$15000.00}, XXXX XXXX XXXX XXXX  XXXX Date Opened : XXXX. XXXX, XXXX Balance : {$13000.00}, and XXXX XXXX XXXX Date Opened : XXXX. XXXX, XXXX Balance : {$6500.00}.
Product: Credit card

I am on the DO NOT CALL REGISTRY and get calls on my cell phone everyday from this NJ number which is a Chase Collection agency. I want them to stop.
Product: Credit reporting or other personal consumer reports

I checked my report on XXXX XXXX, XXXX and realized the inaccuracies reporting. XXXX, Equifax XXXX XXXX XXXX are reporting inaccurate late payments with XXXX XXXX  XXXX for XX/XX/XXXX and XXXX XXXX acct # XXXX I was never late for any payments with this company. They are fraudulently reporting information that is tarnishing my credit report these accounts needs to be updated to payments on time. I have attached the letter from XXXX  with the correspondence regarding " Covid-19 recovery Standalone Partial Claim '' that I was approved for during the time stated that I was late. This needs to be updated as this was agreement between XXXX and I, the consumer. Payments were never late, they were deferred due to this program.
Product: Credit reporting, credit repair services, or other personal consumer reports

Theres a collection account on my consumer report that 1. isn't mine 2. Violates my rights .... I have reached over to the collector, and 3 bureaus to resolve this matter for about a year now and they've done nothing. 

in accordance with the Fair Credit Reporting Act XXXX  account # XXXX has violated my rights 15USC 1681 section 602A states I have a right to privacy .....

also 15USC 1681 section 604A section 2 states a consumer reporting agency can not furnish an account without my written instruction and/or approval
Product: Mortgage

I had my Mortgage Loan with Truist Bank on XXXX, without any problems or issues. Then at the beginning of the year they sold my Loan to XXXX XXXX XXXX, at the time the entire transanction was done I was not in XXXX at my house and was not receiving the mail correctly, therefore I continued to make payments to Truist until XX/XX/year>, the problem is that all the payments that I made till XXXX were transferred correctly to XXXX XXXX, except the payment that I send on XX/XX/year>, this payment was not applied to the Truist Account or to the New Lender ( XXXX XXXX ). I had a previous complaint with you # XXXX ( and I received an e-mail yesterday telling me that case was closed and resolve/ which is not true ). The amount of the payment is {$1200.00}, I am attaching receipt from my Bank with the information of the payment and also the transaction number. I honestly don't know what to do anymore, I am a retired person and can't afford to lose this money. Can you please tell me what to do???
Product: Debt collection

I got a few text message from Shepherd Outsourcing, a debt collector regarding XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX - for which the current creditor is XXXX XXXX XXXX XXXX XXXX They want me to click on a link. However, I believe this is a scam. 
My credit report has been frozen for years and this is not showing on my credit report. 

I did unsubscribe Online I see several complaints from other consumers claiming they don't have this debit, but they try to bully people into paying.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are numerous hard inquiries posting on my credit report for which are inaccurate and not authorized by me. According to consumer law, any unauthorized activity must be investigated. The following inquiries need to be removed from my credit profile. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

CheckSmart is trying to locate my nephew. They have me listed as a contact. I told them to stop calling me. They said they would take me off the list, but they still are calling me.
Product: Credit reporting or other personal consumer reports

The inquiries listed in the FTC report attached were not authorized to run my credit " I am only reporting Hard inquiries listed with the following companies that I did not authorize and want all removed. 
ALLY FINANCIAL-XXXX XXXX XXXX ALLY FINANCIAL-XXXX XXXX XXXX XXXX-XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an 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

my equifax credit report dropped 57 points overnight. The report stated that I had been late 9 times with an XXXX account. I contacted XXXX, they stated that I have been on time with the payment ( taken out of my checking account each month ) since 2012 and I am actually ahead on the account. XXXX did not send any negative information regarding the account. 

On the equifax account marks in a calendar format that I have been late on a loan, but on another equifax document shows that I have not been late on any loan. 

XXXX XXXX showed in their credit report that everything was fine and my credit actually went up 3 points. 

It should be an easy fix. I have not been late paying any of my accounts. 

Thank you for assisting me on this frustrating issue. 
*I do not have any documentation because I have never received any late notices on any of my accounts*
Product: Credit card or prepaid card

USAA recently closed my credit card with $ XXXX available credit line which had XXXX balance and always paid on time. I had an account with them for over 6 years and they are giving me no reason to close other than it was higher management decision and they don't answer calls and it's permanent decision without giving me any reason at all. This has been very frustrating experience by any bank not giving me why it happened. USAA recently paid {$140.00} XXXX fine for money laundering and loss of investment and now victimizing innocent members. I have honorable discharge in my military service and I don't owe them anything thus I have right to hear a reason why they are doing this to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

No late payments to date. Tried to resolve with company. I still maintain good standing with account. 
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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

I HAVE CONTACT TRANS UNION ABOUT 5 COLLECTION ACCOUNT THAT SHOW UP ON MY PERSONAL CREDIT REPORT THAT IS NOT MY THE CREDITOR TALKING ABOUT THEY VERIFY THE ITEMS THAT IS MY WITH OUT NO PROOF OF CONTRACT AND AL SO ASKED THEM TO UPDATE MY CURRENT ADDRESS THAY HAVE MY OLD ADDRESS ON NOT MY NEW ADDRESS SEE IN INTO THE ATTACHED
Product: Debt collection

I have an account in collections which shows the original creditor as the debt collection agency. I have never done business with the debt collection agency to result in such charges. When I disputed these charges as inaccurate, all the resolution said was " dispute resolved ''. I do not owe this money, I do not know where these charges occurred from. The account is for XXXX dollars.
Product: Mortgage

I live in XXXX, Oregon where property values/home prices have been climbing for the past few years. I bought my home just a little over two years ago. I have made on time complete payments on my mortgage. I asked that my PMI be removed. First my bank claimed that my home was worth XXXX less than I could probably make if I sold it/and XXXX less than the county assessed it for tax purposes and I disputed that. Now they are claiming I need to have have XXXX % equity -- even with the low value they placed on my home, I currently have XXXX % equity.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXk, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit 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 Account Number:XXXX  Account Name : XXXX  Account Number:XXXX  Account Name : XXXX XXXX Account Number:XXXX  Account Name : XXXX  XXXX Account Number:XXXX  has violated my rights. Or a 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: Checking or savings account

On XXXX XXXX I filed a dispute against 3 transactions for a purchase that was made to XXXX  XXXX. I called Chime Bank on the 30th day, informing them of my understanding that, by law, the merchant has 30 days to respond to the dispute. On the 30th day, XX/XX/XXXX, I spoke with Chime Bank and they are refusing to give me information on whether the merchant has responded. By law, if the merchant hasnt responded, I am entitled to my refund. Chime Bank is holding a total of {$200.00} between the 3 disputed charges, and refuses to put the money back into my account, even after knowing that XXXX XXXX has not responded to the dispute.
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 CFPB '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

My account balance should be {$0.00}. According to my last statement, XX/XX/year>, my New balance was {$0.00} and total minimum payment due is {$0.00}. Also the Interest charged was {$0.00}. My current balance should be {$0.00} and updated to good standing and not be a negative on my account.
Product: Debt collection

XXXXXXXX XXXX XXXXXXXX XXXX for Bank of America N.A., account number ending : XXXX, wasn't supposed to pursue a lawsuit because they did not properly validate the debt by providing the requested information, which is a violation of my ( FDCPA ) rights. I requested by fax validation of debt on XX/XX/XXXX. 

Request production of documents through the court on XX/XX/XXXX, and the judge requested an additional 30 days on XX/XX/XXXX. XXXXXXXX XXXX XXXXXXXX told the court that paperwork was sent on XX/XX/XXXX. I still have not received their documents.
Product: Debt collection

I was alerted by my credit monitoring that a collection account was placed on my XXXX XXXX credit report indicating I owed XXXX XXXX XXXX for XXXX. I have never had any type of service with XXXX XXXX XXXX. When I contacted the collection company, Enhanced Recovery Company ( ERC ), I was told that the address on the account was XXXX XXXX XXXX. I have never lived at that address. ERC never attempted to contact me in order to resolve this situation before it was unlawfully placed on my credit report. My address is XXXX XXXX XXXX XXXX Ga, XXXX. This has been my address since 2003. I attempted to explain this to ERC and the representative was rude and could not provide me any documentation to support their claim. I then contacted XXXX and they stated they had nothing on file with my social security number, and I did not owe them. I again contacted ERC to explain what XXXX XXXX XXXX told me, however once again they did not provide me any documentation to their claim. I asked to speak to ERC 's research department and they stated they would not contact me.This has come at a time when I am in the process of Refinancing my mortgage. ERC has violated my rights and will cost me financially by illegally reporting a collection account which they have fradulently reported to the credit company.
Product: Credit reporting, credit repair services, or other personal consumer reports

Captial One is reporting a late for XX/XX/19. I have never been late on this account. This is being reported in error. I have had this account for a very long time and I have never had problems with this account.This is affecting my credit and it needs to be removed as soon as possible. This is an error on their end.
Product: Money transfer, virtual currency, or money service

On XX/XX/year>, Citibank processed five fraudulent transactions against my account totaling {$7900.00}. I filed a identity theft report with the XXXX XXXX Police Department. The transactions include three unauthorized wire transfers and two unauthorized XXXX transactions. To date, Citibank has provided me a {$5000.00} provisional credit for the fraudulent wire transfers, but they have refused to refund me for the approximately {$3000.00} in unauthorized wire transfers. On XX/XX/year>, I sent Citibank a detailed letter disputing the fraudulent transactions and describing how their negligent handling of my savings and checking accounts resulted in and//or contributed to the fraud. Rather than address the issues I raised in my letter, Citibank retaliated against me by closing all of my accounts with Citibanks. In essence, my letter stated Citibank 's response to the fraud perpetrated against my accounts had been inadequate and did not meet the level of service and protection I expect as a valued Citibank customer. However, responded by closing all of my accounts. Given that I have held savings and checking accounts with Citibank for almost 40 years, I found their behavior abominable, highly unprofessional, retaliatory and a clear violation of my consumer rights and protections.
Product: Mortgage

Date of transactions XX/XX/2023. 
Amount of transaction : {$13000.00} Received at Selene Finance : XX/XX/2023 Location : XXXX XXXX NJ office Signed by XXXX XXXX at XXXX XXXX  on XX/XX/2023, delivered by XXXX I sent XXXX certified checks for {$8000.00}, {$3000.00}, and {$2900.00} to have my loan reinstated by the stated date of XX/XX/2023. Today is now XX/XX/2023, and i have made over XXXX calls to Selene Finance and every day I am told that my funds have not been received. I have given the company the name of the person who signed the XXXX package and time it was ( XXXX ) signed for. Selene refuses to take the extra step and call their cashier department to locate the certified funds. Prior to mailing I called XXXX  times to verify the address to send the reinstatement funds to and all times I was given the NJ address, NOW I'm being told that they can take up to XXXX days to locate my certified funds. I want my funds applied to the account as of XX/XX/2023 when the package was delivered on time my loan number is XXXX my home address is XXXX XXXX XXXX XXXX NY XXXX PLEASE help me before I lose my home.
Product: Debt collection

I requested verification of this debt from the company according to the laws and was sent a bill, but no verification that this debt belongs to me. Furthermore, this company and 2 others are reporting to own the same debt on my credit report or sending various attempt to collect letters. 

I need valid justification and the debt be removed from my credit report if it can not be verified. I have sent proof that this debt is being reported multiple times illegially.
Product: Credit reporting

I went online today to XXXX to check my credit report at Experian 's website. I was enrolled for their credit monitoring service for {$19.00} per month although I did n't want to. I 've always watched carefully so that this does n't happen. They clearly have the website designed to mislead people into signing up without their knowledge. Enrolling in these services should not be automatic because I forgot or did n't see some box at that bottom of the screen to uncheck.
Product: Debt collection

XXXX XXXX is trying to collect a debt from XXXXXXXX XXXX which I never used a credit card from XXXX XXXX or applied for it.
Product: Money transfer, virtual currency, or money service

I am filing this complaint against Cash App ( Block , Inc. ) due to inadequate customer service and practices which violate the CFPA. Specifically, Cash App failed to take timely and effective measures to prevent fraud on their platform, leaving my account vulnerable and and unprotected
Product: Credit reporting, credit repair services, or other personal consumer reports

data breach ftc sent inaccurate information must be removed by CRA laws Equifax XXXX and XXXX does not want to comply with LAW inaccurate information that can't be corrected must be removed CRA
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$1800.00} XX/XX/XXXX XXXX  XXXX - XX/XX/XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXXXXXX XXXX {$860.00} XX/XX/XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX {$510.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$1100.00} XX/XX/XXXX XXXX XXXX - XX/XX/XXXX ADDRESSES NOT RECOGNIZED XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX INQUIRIES NOT RECOGNIZED XXXXXXXX XXXX  XXXX XXXX XXXX XXXX 15 U.S.C, 1681section 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 an 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 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

XXXX XXXX XXXX through its XXXX XXXX XXXX credit card reported negative information to credit reporting agencies regarding a credit card charge. The credit card in question is on Auto Pay to debit my XXXX XXXX bank account. However XXXX  did not carry out the debit for three months so far and tacked on many charges of interest and late payments and caused my credit rating to drop by several hundred points. XXXX  also took me to internal collections