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

XXXX is failing to comply with FCRA Sections 605B and is also in breach of Sections 616 & 617 for willfully non complying and neglecting to adhere to the rules and laws of the FCRA. I have submitted 4 complaints informing XXXX that I was a victim of identity theft. XXXX is failing to block or remove the account from my report. I followed their guidelines. I filed a report on the FTC website, I specified how the identity theft took place, that I did not benefit or receive goods or services from the alleged account, I validated the identity theft with a federal law enforcement agency ( which they're claiming I haven't ), I submitted the identity theft reports, provided a report circle the fraudulent account, an affidavit from the FTC website & provide a photo ID for their records. XXXX has claimed the accounts listed below have been verified and are accurate. I'm truly confused by their antics/tactics on how to report this issue but they are ignoring this dispute and failing to comply with the rules set forth in the FCRA. I need them to be held accountable & have this account blocked/removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CAPITAL ONE XXXX Date Opened : XX/XX/2019 Balance : {$68000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Transuion, and XXXX have violated several federal and state laws regarding my right as a consumer to privacy.
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 XXXX  Account Name : XXXX Account Name : XXXX  Account Name : XXXX Account Name : XXXX  XXXX Account Name : XXXX Account Name : XXXX XXXX Account Name : 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 or other personal consumer reports

Between XX/XX/XXXX and XX/XX/XXXX, I initiated multiple disputes regarding inaccuracies and fraudulent accounts listed on my credit report. Despite some accounts being deleted during initial investigations, they were later reinserted without proper notification, as required by the Fair Credit Reporting Act ( FCRA ). Below is a summary of actions taken and concerns raised : Disputed Accounts and Actions Taken XXXX XXXX and Co Disputed as fraudulent, status remains unresolved. 
XXXXXXXX XXXX ( Account : XXXX ) Deleted in initial reports but later reinserted without notification. 
XXXX XXXX XXXX ( Account : XXXX ) Repeatedly updated despite previous deletion. 
Bank XXXX XXXX ( Account : XXXX ) Continually marked as " updated '' without clear explanation or proof of verification. 
Key Timeline XX/XX/XXXX : Initial disputes ( Report # XXXX ) ; XXXXXXXX XXXX and XXXX XXXX XXXX accounts deleted. 
XX/XX/XXXX- XX/XX/XXXX : Accounts were reinserted and updated across various reports without proper notification. 
XX/XX/XXXX : Verified and updated information for accounts previously disputed and deleted. 
XX/XX/XXXX : Final dispute resulted in no resolution for certain accounts, with continued updates and reinsertions. 
Actions Taken by Me Filed disputes via XXXX online platform and by mail. 
Submitted comprehensive evidence and documentation, including affidavits and identity verification materials. 
Contacted Experian multiple times for detailed verification documents and proof of compliance with FCRA requirements. 
Notified Experian about violations, including failure to provide timely responses and reinsertion notifications. 
Request for Documentation I requested, but have not received : Proof of verification processes for each disputed account. 
Detailed records of communication with furnishers or third parties. 
Logs of reinsertion notifications for deleted accounts. 
Adherence to statutory timelines for dispute resolution under FCRA XXXX ( a ). 
Harm Caused These inaccuracies and procedural violations have caused : Financial harm due to denied credit opportunities. 
XXXX XXXX 
Hindrances in leveraging credit for real estate investments and refinancing. 
XXXX XXXX XXXX deletion of unverifiable or inaccurate information. 
Written confirmation of corrections made. 
Assurance of compliance with FCRA guidelines to prevent future reinsertion without notification. 
Full disclosure of verification and reinvestigation processes.
Product: Credit reporting or other personal consumer reports

I am filing a complaint about multiple inaccurate or unverified accounts on my credit reports. I have sent dispute letters to the credit bureaus. 
XXXX via Certified Mail # XXXX, via certified mail # XXXX, via certified mail # XXXX Transunion Certified # XXXX certified # XXXX XXXX XXXX XXXX XXXX requesting investigation and method of verification and have not received proper resolution under the Fair Credit Reporting Act ( FCRA ). The disputed accounts remain despite my requests for verification and/or removal. 

Accounts in Dispute XXXX  Issue : Repeated charge-off listings without proper verification. 

XXXX XXXX XXXX : Issue : Inconsistent late-payment reporting and unclear balance history. 

XXXX XXXX XXXX  : Issue : No valid proof of debt or adherence to Fair Debt Collection Practices Act requirements. 

XXXX XXXX XXXX : Issue : Rapid charge-off reporting with no clear documentation to support the delinquency timeline. 

Thank you for your prompt attention.
Product: Credit card or prepaid card

This is a followup to a previous complaint, CFPB case : XXXX. 
The outcome of that case was that Capital One issued me a letter saying that they had not found fraud in the case but would issue me a one time courtesy credit of {$55.00}. I received a credit on XX/XX/XXXX for that amount. The letter was dated XX/XX/XXXX. 
On XX/XX/XXXX, a purchase adjustment in the amount of {$55.00} was billed to my account again. It seems that Capital One reversed the courtesy credit, voiding the previous complaint that I filed to the CFPB. I believe that Capital One is attempting to shirk any responsibility in this case and reversing their decision resulting from the initial complaint, without giving any communication or indication of what this Purchase Adjustment charge of {$55.00} on XX/XX/XXXX was for. 
It seems that the CFPB becomes ineffective if the company can reverse its decision shortly after settling the complaint, without any communication to the customer or to the CFPB. 
I spoke to XXXX, a fraud manager, employee ID : XXXX, to try to resolve the issue. After 2 hours on the phone, he acknowledged that the courtesy purchase adjustment credit of {$55.00} back to my account was reversed without explanation or cause, and in opposition to the statement from the company. He said he would reverse the charge once again to comply with the company 's stated intention, and notate the purchase adjustment accordingly. 
The next day, I checked my account again, and saw that {$55.00} had been credited back to me, reflecting the intention of the company to provide the financial relief they stated they would. There was also purchase adjustment charge in the amount of {$55.00}, negating their credit. 
After weeks of trying to figure this out, after the company 's insistence that the transaction was legitimate despite my having possession of the card the entire time, hundreds of miles from the city in which the transaction was made, after receiving a communication from the company committing to make a courtesy payment in my favor, I am still losing money because of this fraudulent charge. 
Capital One has given no explanation for why they found the charge to be legitimate, other than that they say the chip was present. They have not said whether they contacted the merchant, they have not asked for data about where I was. They seem to imply that I am lying. I can not imagine why anybody would spend so many hours to defraud a company of {$55.00}. I have certainly lost far more money than that in the hours I have spent on the phone and researching how this transaction may have occurred, if it isn't, as the company says, fraud. 
The facts remain that on the day of the charge, I had the only card linked to that account in my pocket, in cities 100 miles or more from where the transaction was made, and hadn't used the card in over a week. The fact also remains that although Capital One pledged to me and to the CFPB that they would make a courtesy payment of {$55.00} to settle this case, they have avoided doing so, and continue to charge me.
Product: Credit reporting

I have disputed XXXX several times. I provided XXXX and Transunion with proof that the company did not provide any proof I owe the debt. They continue to come saying it belongs to me with no proof.
Product: Credit card or prepaid card

I applied to Barclays credit card and I am over qualified to be accepted but they denied me and said I had bad history with Barclay bank in which I never did.
Product: Credit reporting, credit repair services, or other personal consumer reports

A few months ago I reviewed my credit report and noticed personal information that did not belong to me. I immediately called and a representative told me that it would get corrected but it never happened.
Product: Credit reporting or other personal consumer reports

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting or other personal consumer reports

I regularly monitor my payment schedule and take proactive measures to ensure payments are made on time on this accounts : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I kindly request you to ensure that my account status is promptly updated in my consumer report. Accurate reporting is crucial for maintaining a positive credit profile, and I appreciate your assistance in this matter.
Product: Mortgage

I have never been late with a mortgage payment- I was reviewing my account on line for a pay off balance and discovered they had received my XXXX and XXXX payment but had not applied them. They were showing me as delinquent and were threatening to foreclose. After several calls it was discovered that my escrow/taxes had increased XXXX and I was not notified. The first person I spoke with informed me they mailed me notification to the old address and they told me they did not have my new address on file. I proceeded to pay the extra XXXX by phone for XX/XX/XXXX and XXXX. I paid the XXXX payment and included the new escrow/tax amount. I had paid the normal amount in full never missing a month. They have reported me to the credit companies and my credit rating has been negatively effected. They refuse to remove the reporting. It has been a nightmare trying to straighten this out. I do n't understand how they can take my money, not apply it and not charge me any late fees but report me to the credit bureaus as over 30 days late.
Product: Credit card or prepaid card

My car was used in a fraudulent that are not by me
Product: Credit reporting or other personal consumer reports

My social security number is XXXX On credit report XXXX their is Two negative fraud items that have the same account number and balance these duplicate fraud items supposed to be removed and blocked I have a federal trade commission identity theft report on file regarding equifax their is one negative item that's fraud on my equifax report and XXXX XXXX theirs three negative items I have a federal trade commission identity theft report on file please have XXXX and equifax and XXXX XXXX removed these negative items
Product: Mortgage

I asked multiple times to cancel PMI on my loan, and they continued to refuse. The only way I could reduce PMI was to refinance with a different lender, costing the time and expense of refinancing.
Product: Mortgage

Today XXXX Once again I would like to ask this company Atlantic Mortgage & Funding to stop. https : //www.atlanticmortgage.net/ On XX/XX/2021 I stablished a complaint against Atlantic Mortgage and Funding , Inc XXXX XXXX XXXX, XXXX XXXX XXXX # XXXX, XXXX  XXXX, VA XXXX ( XXXX ) XXXX Web : https : //www.atlanticmortgage.net NMLS ID : XXXX Mr. XXXX XXXX manager will not stop harassing me. Its hard for him to understand the word NO I do not want and I had never requested this unsolicited junk mail. Today XXXX This letter will not stop and the complaint # XXXX at the Florida department of agriculture has not being answered. Why tis company insist in harassing me? 


This company its using my name and personal VA mortgage information for marketing and solicitation. I just don't understand why this company is harassing me with unsolicited and never requested mail and VA loan offers. How this company got my information, what gives the right to this company to use my name and address on marketing and why?. What and how can this company write a misleading letter ( extremely hard to read ). Not very clear letter misleading veterans and seniors citizens and handicaps like me why a lower rate how they know my current rate?. There not a clear address the costumer must read the small print. Please look at the evidence letter. What gives this company the right to try to HAVE ME CALL THIS NUMBER XXXX, with misleading information, Not clear information.? Because its very uncertain about the veracity and legitimacy of this document I only assume the company above its responsible. This company needs to respect the fact that my name is at the XXXX XXXX Opp -out list and every credit bureau op-out list to included also the DMA. My name and address of my wife also has been submitted to be opt -out from this unsolicited misleading letters. Please ask this company why they don't respect that, and Im pretty sure they're excused will be that my name got obtained out public records. I would like to know where? Where at the XXXX County Please stop remove my name out their data base, and ask every marketing company not to use my name. I'm a handicap, I'm a war veteran and also I'm a senior citizen being target by this junk unsolicited mail. Companies like this one does not respect the fact that our names are OPT- OUT from this unsolicited junk mail. I had never requested, and I will never do business with this company. STOP do not contact me, do not call me, do not mail me, do not email me please.

Remove my name please. Do not contact me never no longer. ask your marketing companies not to contact me. DO NOT SALE OR DISTRIBUTE MY PERSONAL INFORMATION WITHOUT MY CONSENT-Respect the fact that my name its at the OP - Out list at the three credit bureaus and the DMA PLEASE READ THE LETTER ATTACHED EVIDENCE FILE ( Atlantic Mortgage and Funding, Inc )
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus continue to verify accounts in my credit report that are not accurate. They have ignored multiple requests of proof of verification and continue to report inaccurate information that is hurting my credit report and chances of obtaining future credit. I began disputing with the credit bureaus since XX/XX/XXXX and not once have they provided any proof of verification. 

The following accounts have been verified but maintain discrepancies in reporting : XXXX XXXX XXXX XXXX XXXX The following inquiries were not authorized : XXXX ( Equifax ) XX/XX/XXXX XXXX XXXX ( XXXX  ) XX/XX/XXXX Mortgage Reporters : XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX XXXX XXXX ( Equifax ) XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX ( Equifax ) XX/XX/XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX ( Equifax ) XX/XX/XXXX XXXX XXXX I ( XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX ( Equifax XXXX XX/XX/XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX ( Equifax ) XX/XX/XXXX EQUIFAX XXXX XXXX ( XXXX  ) 0XX/XX/XXXX EQUIFAX XXXX ( XXXX ) XX/XX/XXXX XXXX ( Equifax XXXX XX/XX/XXXX XXXX XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX ( Equifax ) XX/XX/XXXX EQUIFAX MORTGAGE XXXX ( XXXX ) XX/XX/XXXX EQUIFAX XXXX ( XXXX ) XX/XX/XXXX I have disputed these accounts and the credit bureaus can not furnish proof as requested in my letters that I sent to them via certified mail. I have attached copies of my most recent letters along with the tracking number.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my dissatisfaction and report the significant financial harm I experienced due to Zelles inadequate fraud prevention measures and failure to safeguard consumer funds. My trust in your platform and the financial institution associated with it has been severely violated.

Zelles systemic shortcomings in fraud detection and prevention directly contributed to my becoming a victim of a fraudulent transaction. When I discovered unauthorized activity on my account, I immediately reported the incident and sought assistance. However, I received minimal help in resolving the issue. My attempts to combat the fraudulent transactions were met with delays, insufficient responses, and, ultimately, disregard for my complaints.

The lack of adequate security protocols on Zelles platform made it easy for scammers to access and misappropriate my funds. As a result, I suffered significant financial losses that disrupted my ability to meet critical financial responsibilities. These include : Missed payments for essential bills and services, leading to late fees, penalties, and service interruptions.

Loss of access to assets or financial resources, which further exacerbated the hardship caused by this incident.

Emotional distress and reputational harm, as I struggled to restore my financial stability after the incident.

It is unacceptable that Zelles negligence and failure to provide robust fraud protection measures left me vulnerable to scammers. Additionally, the platforms failure to adequately address my complaint has further compounded the harm I have endured.

In light of the above, I am demanding immediate reimbursement and restitution for the financial losses I have incurred due to Zelles failure to protect my funds. I believe that prompt action is necessary to resolve this matter and restore my confidence in your services. Furthermore, this resolution is critical to align with the Consumer Financial Protection Bureaus ongoing legal action against Zelle for similar grievances and violations.

Please address this complaint as a matter of urgency. Failure to provide a satisfactory resolution will leave me no choice but to escalate this matter and possibly pursue further legal remedies.

Thank you for your immediate attention to this critical issue. I look forward to a prompt and satisfactory resolution.
Product: Credit reporting or other personal consumer reports

I found errors on my credit report, such as late payments that dont match my typical payment behavior. Kindly correct these issues and update my account.
Product: Debt collection

TODAY, XX/XX/2024 I CALLED HARVARD COLLECTION SERVICES IF THEY COULD GIVE ME THE FILE NUMBER, TO BE ABLE TO GET INTO THE ACCOUNT TO KNOW WHY THEY ARE CHARGING ME A DEBT OF THE AMOUNT OF {$1300.00} THAT I HAVE IN MY COLLECTION CREDIT REPORT ( XXXX XXXX ), WHEN I PROVIDE MY INFORMATION, HE TELLS ME THAT THE DEBT IS FROM AN ELECTRICAL SERVICE IN THE STATE OF NEW YORK WHICH I TELL HIM I NEVER LIVED OR BEEN IN NEW YORK. HE PROVIDE ME AN PHONE NUMBER TO CONTACT PERSONAL SERVICE TO MAKE A FRAUD REPORT.
Product: Mortgage

On XXXX XXXX, 2016, in a previous phone conversation, I spoke with XXXX XXXX of Bayview Loan Servicing regarding a letter I received on XXXX XXXX, 2016, from Bayview Loan Servicing stating " you notified us that you did not want to accept the offer. '' I told XXXX XXXX that I never notified Bayview Loan Servicing that I did n't want to accept the offer because I had never received the offer from them. XXXX XXXX became very combative and angry with me he stated that 's not what the letter said. XXXX XXXX also became extremely combative, angry and aggressive regarding permanent modification documents Bayview Loan Servicing claimed they sent that I never received until XXXX XXXX, 2016, with Permanent Loan Modification documents dated XXXX XXXX, XXXX 
Although I indicated to him over and over again that I never received the first set of documents and that the second set were water damaged and late and that I had notified Bayview Loan Servicing of this, and that I was back and forth between the hospital dealing with a terminally ill husband and had been checking the porch everyday, XXXX XXXX LITERRALLY ATTACKED ME, BULLIED AND HARRASSED ME AND WAS ANGRY AND AGGRESSIVE BECAUSE AS HE STATED BAYVIEW LOAN SERVICING MANAGEMENT AND SUPERVISORS HAD GAVE HIM PERMISSION TO DO SO, and he is bullying me XXXX XXXX STATED SO WHAT PEOPLE DEAL WITH STUFF EVERYDAY AND SOME PEOPLE LIKE YOU DO N'T WANT ANY HELP AND INSTEAD OF FILING COMPLAINTS WITH THE CONSUMER FINANCIAL PROTECTION BUREAU you should sign the predated XXXX XXXX, 2016, Permanent Loan Modification Documents that Bayview Loan Servicing dated XXXX XXXX, 2016, and put into a XXXX dated XXXX XXXX, 2016, that I did not receive until XXXX XXXX, 2016. Bayview Loan Servicing XXXX XXXX XXXX Manager was very angry, aggressive and combative with me and kept accusing me of not wanting help and not wanting to sign the permanent modification documents. XXXX XXXX told me it was going to be all bad for me if I do n't return permanent modification documents by tomorrow. XXXX XXXX ALSO ATTACKED ME ABOUT THE COMPLAINTS I FILED WITH THE CONSUMER FINANCIAL PROTECTION BUREAU AND CHISTISED ME ABOUT THE {$1.00} COMPLAINT. Due to me having XXXX XXXX on speaker when I was talking to him my daughter recorded the phone conversation because she said he was so angry and combative and people should know what you go through mom. I am posting XXXX of the conversations in additional documents. My daughter stated she is posting all of the conversation on social media so that people will know what Bayview Loan Servicing did to her parents. XXXX XXXX also stated that if an Attorney tried to change anything including the statement violating my constitutional right giving up a trial by Jury that Bayview will deny my permanent modification. My daughter is posting the full conversations on social media. I have attached a partial conversation because the full conversation would n't
Product: Credit reporting, credit repair services, or other personal consumer reports

Have contacted Credit Bureaus on numerous occasions to have incorrect or outdated personal information removed, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. I am requesting a Removal of all incorrect or outdated personal information being reported on credit file.