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

NOTICE OF DISPUTE ; DEMAND FOR VALIDATION AND PROOF OF CLAIM To Whom it MayConcern This complaint is being sent to the bureaus due to an unsigned letter of debt andseveral listed errors on my credit file.Please be advised that the items below are disputedand validation and proof of claim of the disputed debt are requested in accordance with theFair Debt Collection Practices Act, 15 USC 1692 and as amended by adding the followingnew Title 8 USC 802 et seq., and the Fair Credit Billing Act, 15 USC. 1666 et seq.All ofwhich work in conjunction with each other, including the Truth In Lending Act ( TILA ) 15 USC1601 et seq. It is not now, nor has it ever been, my intention to avoid paying any obligationthat is lawfully owed by the Claimant. In order to make arrangements to pay an obligationthat may be lawfully owed, please document and verify the debt by complying, in goodfaith, with this request for validation and return it to me, within thirty ( 30 ) days of receipt ofthis letter. This is NOT a request for verification or proof of Claimant mailing address, but arequest for VALIDATION and PROOF OF CLAIM made pursuant to the above-named Titlesand Sections. I respectfully request that a re-investigation with competent evidence as perthe attached Declaration and Proof of Claim that I have any legal obligation to pay you theunsubstantiated alleged debt. Furthermore, please advise all debt account companies shallcease all verbal communication. No phone calls to me or my job. Due to this fact ; if anynegative mark is found on any of the credit reports by these companies or the company thatyou represent I will not hesitate in bringing legal action against you and your client for thefollowing : Violation of the Fair Credit Reporting Act Violation of the Fair Debt CollectionPractices Act Defamation of Character Violation of United States Code TITLE 18 PART 1CHAPTER 63 1341 ( Mail Fraud ) Please provide verification or delete these items : XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX.
Product: Debt collection

XXXX XXXX XXXX ( XXXX XXXX ) is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$400.00} does not belong to me. This account was fraudulently opened through this company in XXXX of 2019 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
Product: Checking or savings account

Funds was in my account but keep charging me and made a account go to negative
Product: Credit reporting or other personal consumer reports

I am submitting a formal complaint against Equifax for failing to conduct a thorough investigation into disputes regarding inaccuracies on my credit report. Despite providing the necessary documentation, Equifax consistently responds within 24 hours, stating the account is accurate without presenting any evidence of a proper investigation.

This conduct violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifaxs actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) ( B ), as highlighted in the CFPBs recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. 

I respectfully request that the CFPB take appropriate action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.
Product: Money transfer, virtual currency, or money service

On XX/XX/2022, at XXXXXXXX XXXX I received a call from Affirm Inc ( phone number- XXXX ) stating that my account had fraudulent activity and that she would help resolve my problem so I did exactly what she said to do which was use all my available balance ( {$1000.00} ) and make a virtual card and then after we would get off the phone the fraud department was supposed to call me after they were supposed to suspend the virtual card and prevent any fraudulent activity. I never got any call, email or text message about them fixing anything. 
Come to find out when I got on my account to see if it was fixed and the card was expired and there are XXXX different transactions ( {$950.00} and {$100.00} ) on it and I did not do either XXXX of them nor do I even know what the purchases even were. I didn't get any emails or anything about the transactions and now they are saying I am responsible for the loan when it was all because they called me and said I had fraudulent activity on my account and that was the way to resolve it. so I let them do their job or at least thought they were going to do their job but no my money gets used anyways and I'm getting blamed for it. I have filed a police report and got in touch with a lawyer. I have a few pieces of evidence I could email in if you would like the call log with affirms number and the time and date, the transactions on the account that also have no descriptions whatsoever on them, the police report, and what they have emailed back which all they told me was that I am responsible for the loan. Thank you for reviewing this complaint.
Product: Mortgage

TCF is refusing to provide me with account information for an old HELOC that is still coming up on my title as having a lien. I have not had this account nor ever used it! When I requested a lien release they sent the request to county to release it but won't provide me with any information on the account or give me an account closure letter stating I never had an account or that my account is too old and they don't have the information in the system anymore. I have gone into branches and even had new lender I am trying to use to get a new mortgage help me to try and get this info and no one at TCF will give us anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was checking my credit report and i noticed an error on my report. it looks like a Bill that i never had before. can you please remove
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX and Equifax have violated my consumer rights, and I have provided proof multiple times. But unfortunately, these companies believe themselves to be higher than the law itself. 

Who is going to govern these agencies? 

By 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. 

XXXX - XXXX - Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY. 

XXXX - XX/XX/XXXX - This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

XXXX - XXXX - THIS ACCOUNT IS INACCURATE, I DID NOT INCUR ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME FIRST INV SC - XXXX - Please delete this item immediately. 

XXXX - XXXX - Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY. 

XXXX XXXX XXXX XXXX - XXXX - Please verify by providing my XXXX copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY. 

Public Record - XXXX XXXX XXXX XXXX XXXXXXXX- This account are inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

XXXX - XXXX - THIS ACCOUNT IS INACCURATE, I DID NOT INCUR ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME FIRST INV SC - XXXX - Please delete this item immediately. 

XXXX - XXXX - Please verify by providing my XXXX copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY. 

Public Record - U.S. Bankruptcy Court - This account are inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

XXXX - XX/XX/XXXX - This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

XXXX - XX/XX/XXXX - This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

XXXX - XX/XX/XXXX - This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

XXXX XXXX, XXXX, and Equifax have 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 or 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 data is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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, credit repair services, or other personal consumer reports

ALLY FINANCIAL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX. 

In accordance with the fair credit reporting act, this/these creditors has violated my rights under 15USC 1681 SECTION 602 states I have the rights to privacy. 15USC 1681 SECTION 604A SECTION 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15USC 1666B a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.
Product: Debt collection

I've been trying to dispute this account for 3 years and nothing have changed. i sent multiple identity theft calls to this company. they had no permission to open this account.
Product: Credit reporting or other personal consumer reports

I asked them for a signed agreement and the date opened account and never received it dates on my credit report is not accurate as far payment and open dates
Product: Money transfer, virtual currency, or money service

In light of the recent CFPB lawsuit which highlights significant issues with Zelles platform and handling of disputes, Ive decided to submit a complaint based on my experience, which seems to have been a more widespread issue. Despite contacting about payment discrepancies, I was told that once money is sent it can not be recovered, and that there was no recourse. Now that it has been reported that Zelle has failed to properly protect consumers and report vulnerability to scams, Ive decided to share my experience. Consumers need to be protected - especially by the institutions they trust most.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are still incorrect accounts found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX, Equifax and XXXX was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified items without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to be corrected immediately : XXXX XXXX XXXX XXXX Account Number : XXXX ; XXXX XXXX XXXX Account Number : XXXX ; XXXX XXXX XXXX Account Number : XXXX ; XXXX XXXX XXXX Account Number : XXXX ; XXXX XXXX  Account Number XXXX XXXX ; XXXX XXXX XXXX XXXX  Account Number : XXXX ; XXXX XXXX XXXXXXXX Account Number : XXXX ; XXXX XXXX  XXXX Account XXXX : XXXX ; XXXX XXXX XXXX XXXX Account XXXX : XXXX ; XXXX Account Number : XXXX ; XXXX XXXX  Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX  Account Number : XXXX ; XXXX XXXX XXXX  Account Number : XXXX*** ; XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX XXXX XXXX XXXXXXXX Account Number : XXXX ; XXXX XXXX XXXX Account Number : XXXX ; XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXX
Product: Credit card

I applied for a Best Buy Credit Card to purchase a TV and Soundbox. I was under the impression that I would be getting a one-year card with no interest. I had the money to buy the TV, but I wanted to keep my money. 

I am still waiting to receive the credit card, and I am still determining what information is on the card because I never received the card. I am able to login to the Best Buy site and see the order and return. However, I can not get to the credit card site because I don't have a card. 

I ordered a XXXX XXXX and a sound box the first week of XX/XX/year>. The sound bar was shipped, but the TV was to be delivered and set up by the XXXX XXXX. XXXX was scheduled for XX/XX/XXXX. Best Buy XXXX XXXX arrived and tried to install the TV, but the TV would not connect. They spent over an hour trying to get the TV to connect. They determined it was best that they take the TV back. I asked if I needed to follow them back to the store, and they said yes. When I arrived at the store, the customer service center stated it would be 24 hours before they could credit the TV to my account. So, I was told I would need to wait. I decided I would not purchase another TV and took the sound bar back the following Monday. Best Buy is stating I owe them {$100.00} plus interest. They need to find out what the charge is for. They continue to harass me with mail, email, text, and cell phone calls. Every time I call, they tell me it is under investigation, but they keep harassing me. I have nothing in my home from Best Buy, and I want the balance credited and the credit card canceled. I will never do business with Best Buy again.
Product: Credit reporting or other personal consumer reports

I reviewed my consumer reports and I noticed that I had XXXX late payments on an account that I was never late for. The consumer reporting agencies have assumed a vital role and have responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late payments for the accounts that I have included screenshot inside the complaint on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Please investigate and provide proof with statements showing that these payments were late. If proof cant be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact I was never late. Thank you, Please see the attached file.
Product: Debt collection

This is easy. I owe XXXX debt. I keep getting scam calls from CSII, https : //www.creditsystemsintl.com/, daily. After repeatedly telling these " people '' to take my number off their list I continue to get calls, so I called them, they refused to provide any information, so I let them know on the phone that if I receive one more call I will take legal action and call the police, as phone harassment is a crime. Also, I have made my intentions clear that I do not want to be called in writing, at their mailing address listed at CSII. 

This is a complaint, and a warning, if this continues I will take legal action. Remove my number, XXXX XXXX XXXX, off the CSII scam call list unless you want to deal with a lawyer. I have a record of every scam call CSII made and the voicemails from these numbers, further, I suspect CSII uses spoofed numbers to make these spam/scam calls.

Locally, I am getting more people and more information on this business in order to make a legal effort on the scam business CSII.
Product: Mortgage

I am a XXXX and single  mother of XXXX who did not get a XXXX position this XXXX   year and have found myself unemployed. I have an FHA loan serviced by Specialized Loan Servicing LLC. SLS has refused to process my requests for mortgage assistance for over 4 months repeatedly asking for documents I have already provided multiple times. They are dual tracking my loan ; have already had an attorney send me a letter to commence foreclosure ; are charging me for monthly property inspections ; charged me for a " title expense '' ; and contacted my homeowner 's insurance company to cancel my insurance because of foreclosure all without evaluating my loan for mortgage assistance.

I have thorough documentation of all communication including two audio recordings ( I live in a one party consent state ) with SLS where their automated account system states that my request for mortgage assistance application status is, " pending review. We have received all documentation needed and are currently reviewing the information provided. '' Afterwards, a representative comes on the line to assist me and proceeds to tell me that my application is incomplete and can not be sent for review until I submit more documents that I have already submitted. I have this recording after my first application I submitted on XX/XX/XXXX, and after the second application I submitted on XX/XX/XXXX. Yet SLS still refuses to process my application ( s )  stating both verbally and in writing that they are incomplete. 
Although SLS has told me they do not offer forbearance of any kind and that I will not qualify for any assistance until my application is reviewed and I have found work and can prove income, I know this is untrue. I have more than proved my unemployment status to SLS including a letter from the XXXX XXXX stating my last day of employment, my FHA Unemployment Hardship Letter, months of bank statements, divorce documents showing proof and amount of XXXX XXXXt, and even cancelled XXXX XXXX checks. I know that I should qualify for an FHA unemployment forbearance and/or loan modification. 
I mailed a Debt Validation Demand certified return receipt to both SLS and their attorney of record. 
I realize that I am fighting a war I can not win because SLS is violating every regulatory guideline I have found in addition to their own loan servicing agreements. My children and I are scared that despite my best intentions we are about to be XXXX within the next month. Any assistance you can offer will be most appreciated!
Product: Credit reporting or other personal consumer reports

Equifax has yet to update my info on XXXX has yet to update my balance as {$0.00} as of XXXX. 

Equifax has wrong balances on several accounts Equifax has other information on my credit wrong that should not be on the credit file
Product: Credit reporting or other personal consumer reports

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

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

I demand the late payment reported to be removed/updated.

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

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

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

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Product: Credit reporting or other personal consumer reports

Subject : Complaint Against XXXX for Unauthorized Credit Inquiry Dear Consumer Protection Agency, I am writing to file a formal complaint against XXXX for conducting an unauthorized credit inquiry without my knowledge or consent, which has negatively impacted my credit score and jeopardized my ability to purchase a home. 

On XX/XX/year>, I discovered that XXXX had closed my account without any prior notice. I immediately contacted their customer service department, and the agent acknowledged that this was a mistake and assured me that the account would be reopened. During this conversation, I explicitly stated that I was in the process of buying a house and did not authorize any credit inquiries. 

Despite my clear instructions, XXXX proceeded to conduct a hard inquiry on my credit report. Upon discovering this in XXXX, I contacted XXXX again, and the agent confirmed that the inquiry was a mistake and would be removed by the end of XXXX. However, as of today 's date, the unauthorized inquiry remains on my credit report. 

This unauthorized credit inquiry has caused me significant financial harm and emotional distress. I am deeply concerned about the impact this will have on my ability to secure a mortgage and purchase my first home. 

I request that the Consumer Protection Agency investigate this matter and take appropriate action against XXXX for their negligence and disregard for my consumer rights. I further request that XXXX be compelled to remove the unauthorized inquiry from my credit report immediately and compensate me for any damages incurred as a result of their actions. 

Thank you for your attention to this matter.
Product: Credit card

A credit card was opened in my name with a company called Through the Country Door, XXXX XXXX XXXX, XXXX, WI XXXX. I DID NOT OPEN THIS ACCOUNT. This account was fraudulently opened in my name by someone unknown. The card was opened in XX/XX/year>. I found out whe XXXX checking my credit reports weekly & my score had dropped 161+ points because the card was used & there is a balance that is now 2 months delinquent. I have filed disputes with all three ( 3 ) credit bureaus. I was advised by XXXX to file a fraud report with the FTC, which I am now doing. This is clearly a case of identity fraud. I will also be making a police report with my local police department. In XX/XX/year> I was advised by XXXX XXXX  that my SS XXXX  had been found on the dark web. I immediately called SS, & advised them & they put a freeze on my XXXX  so no one can collect benefits or use fraudulently. I also advised all three ( 3 ) credit bureaus of my SS XXXX  had been in a date breach & was found on the XXXX XXXX
Product: Consumer Loan

I had work done by my XXXX that was not covered by insurance. After 120 days, they turned my account over to a collection agency. On three separate occasions, the collection agency has called me at work, each time being told that my employer does not allow personal calls. On the third call, the operator became belligerent with me when I refused to give my checking account/debit card information.