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 items 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX
Product: Mortgage

On XX/XX/XXXX I received an email that my credit was run by Amerisave. Thankfully I have a freeze on my credit so the pull did not go through. I applied for a loan with the company in early XXXX but decided to purchase through another mortgage company. I have not heard from this loan officer since XXXX XXXX. I then received an email from this loan officer asking me to log into my account and update the information as a returning customer. Upon logging in, all of my old application info was updated with XX/XX/XXXX date and they were asking for most recent pay stubs. I spoke to the loan officer the next morning, XX/XX/XXXX. He said he had no clue what happened and underwriting decided to run my credit. First, this is illegal without my permission. Second, this file should have been closed after months of inactivity. Third, why would you still make all my info available and update from 3 months ago ( pay stubs, bank account numbers, W-2s, my entire life was in that application ) Shouldn't that info be purged after a certain period of time. This is how data breaches happen. Forth, the company has yet been able to tell me why my credit was run. I have been a victim of identity theft. I'm now wondering if it it came from this company or did the identity thieves call impersonating me? ALOT of unanswered questions and the company is only saying we will cavcel the application but it will take days. I want answers. I want to know who gave them access to run my credit and was their a breech in their system. I want all my personal info purged, not just the application cancelled
Product: Payday loan, title loan, or personal loan

RE : Revocation of authorization for debits Company : OPP Loans To Whom It May Concern : Please stop taking automatic payments from my bank account for payments to my account with your company.. I am writing to inform you that I am revoking authorization for you to debit my account via electronic funds transfer : Send a mailing address so payments can be mailed. _ This revocation applies to any and all future debits. 

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

I have no open accounts with these companies. I have not given written consent for my personal information to shared any business purposes and I not provided my wet signature to conduct any form of business with these companies listed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

According to consumer law, FCRA 15 U.S. Code 1681s-2-Responsibilities of furnishers of information to consumer reporting agencies ( a ) ( 1 ( A ) must provide accurate information and yall job to prohibit information with actual knowledge of errors and ( B ) keep reporting information after notice and confirmation of errors. IT MUST BE DELETED According to consumer law, FCRA 15 U.S. Code 1681i ( 5 ) Procedure in case of disputed accuracy. If a credit report has inaccurate, incomplete, or unverifiable information then it must be removed from my credit report. This is a federal unethical practice which can lead to a litigation according to 15 US Code S 1681n Civil Liability for willful noncompliance. {$1000.00} per violation, you know the law. 
Company : XXXX Account # XXXX Year:2017 Violation 1 Date of last payment does not match, which is correct?

Violation 2 Last reported does not match, which is correct?

Violation 3 Date last active, does not match, which is correct? 

XXXX  a trusted source for all 3 credit bureaus will verify the inaccurate findings. 

I am confused! 
After notifying XXXX and XXXX of this, they deleted the account due to the inaccuracies.
Product: Debt collection

I paid the debt I owed to the collection agency on XX/XX/2016. I called to inform them that the debt had been paid through the actual place I had accrued the debt. The debt company then informed me that they were already taking me to court in an attempt to collect this debt that I have already paid off. They said that they would settle with me for {$400.00} to pay for the legal fees. I told them that I would not pay any legal fees because my debt with them has been paid off. 
I have not received any notice regarding them taking this debt to court other than them telling me over the phone after I had already paid the debt in full. 
I feel that this has been very wrongfully dealt with.
Product: Credit reporting or other personal consumer reports

I received a letter in the mail from change healthcare stating my information was in a data breach. I then pulled my credit report and found an account and inquiries that I did not do or authorize and would like these things erased off my report and account closed due to being fraudulent the account is from capital one with an amount of XXXX that was opened XX/XX/year> I never ordered this card I am only XXXX and only been on my parents credit cards I never had my own card
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX agency has reclassified several paid acounts with XXXX balances as collection accounts. These accounts were paid off by a student loan consolidation.
Product: Checking or savings account

I have an accont with bank of America, and I lost my phone and debit card. in the process my art was used. I reported the loss to my bank, and advised them that all of my passwords and information was stored in my phone so the charges that were used with my PIN number were not mine. The bank advised me that they would place all of it in the notes to review my claim.They then denied my claim stating that because my pin was used it was not a valid claim, EVEN though Advised them my pin was stole along with all of my other important information during the original report. They did n't call. or mailer send any mail to advisement of this, I had to find out on my own. nThey said they would resubmit the claim but it will take up to 90 days when it has already been XXXX plus days. I am a single mother and use my sons social security to help pay for his daycare and the XXXX dollars that I submitted my claim for has caused my account to be in the negative for too long causing my all of my money to be tied up into this claim, due to bank of America not taking proper notes or following the law when it comes to proper time lines.
Product: Money transfer, virtual currency, or money service

XX/XX/2020 I was alerted by XXXX  through XXXX XXXX that through XX/XX/XXXX-XX/XX/2020. That SYNCB/PAYPAL added an hard inquiry to my credit report. Yes, the account was open. But I never made transactions. It was an open account with no activities. It is unfair that they added this on my credit and lowered my credit score through XXXX. 
I have completely closed this account. And I would like this removed from my credit report.
Product: Payday loan

I keep getting phone calls and mailings from Big Picture Loans stating that I am pre approved for a loan with them and that they obtained my credit information from XXXX of the major credit reporting agencies. Big Picture Loans interest rates are 700 % or higher ( according to their website ) which is illegal in the XXXX Massachusetts, they will not stop calling me and mailing me offers even though I have requested for them to stop. On my most recent call to them they claimed that they are legal to offer loans in Massachusetts and when I asked what the interest rates are on their loans the representative stated that " I ca n't tell you what the rate is until the loan application is submitted and you agree to take the loan, '' this is a violation of the Truth in Lending Act ( TILA ) due to the inability to know what the rate is before accepting the loan. I have a credit freeze on all of my credit reports and I have also opted out of receiving prescreened offers for credit. Big Picture Loans refuses to tell me what credit agency they obtain their information from so that I may deal directly with that agency to determine why my information is being provided to any third party without my written consent.
Product: Credit card or prepaid card

I applied for a balance transfer with Citibank XXXX in XXXX. I was given a {$9000.00} limit. Went through the online process to have my balance transferred to a XXXX credit card. When Citibank showed that the balance transfer went through and my XXXX card did not receive the payment I realized that it was sent to the wrong account. Now I will say this is my fault- I inputted one number twice for my credit card and the money was sent to XXXX. I have spent over 10 phone calls and countless hours trying to get my money back.

Citibank credit card customer service has been nothing short of horrible. 

On XX/XX/XXXX my initial phone call to Citibank I was told it would be fixed in 24 hours. 

On XX/XX/XXXX I called because it was not fixed and they told me that they would need 7-10 days from XX/XX/XXXX to start an investigation. ( I had a long conversation about business or calendar days and was not able to get a straight answer. ) On XXXX XXXX, 10 days from my first call, I was told that nothing was put in the system on the 4th and my initial complaint was inputted on XX/XX/XXXX. I was told they would need 14 days from XX/XX/XXXX and it should be fixed by XX/XX/XXXX. Someone from Citibank would call for the correct card number and to get everything fixed. 

On XX/XX/XXXX I called because I had not been contacted and the money was still showing at XXXX. Multiple service agent later I was told they had sent an email on XX/XX/XXXX saying the ball was in my court. ( I had no such email, but one did appear in my inbox 10 minutes later. ) That email said I had to call XXXX with a XXXX ID number to get my money back. I called XXXX but they said department was closed and to call back on a weekday. 

On XX/XX/XXXX I called XXXX and was told that I could not initiate the fix. That only Citibank could fix the problem. 

After multiple calls with Citibank I finally spoke to someone who put me on hold, called XXXX and came back and told me that I had to write a letter to XXXX to get my {$8500.00} back. She also told me SHE WAS THE FIRST PERSON TO CONTACT XXXX. I had been told multiple times that an investigation was being done which is why I had to keep waiting so it was very frustrating hearing 24 days into my initial complaint that this was the first step taken. In the meantime I have had to pay interest on the credit card I was attempting to use the balance transfer for. 

And then in the process of her actually being the first person to help me, 1 hour and 14 minutes into this call, the line cut off. I had not gotten the mailing address for XXXX.
Product: Checking or savings account

In XX/XX/year> I received a monthly statement from Chase Bank with an account balance that was addressed to me at an alternate address where I was expecting a check I never received. The account balance was for the same amount of the check I was expecting from the Dept of Treasury, over {$870000.00}. I called Chase immediately and advised I had never opened an account but the check was intended for me. They advised the account had been opened online. They could not explain how that could happen without identiication and advised they would report the fraud however I did not hear back so on XX/XX/year> I contacted them again and they told me they could give me no information as I told them I had never lived at the address in question and that I had not opened the account.I was also asked why I wanted the money in the account. On XX/XX/year>, I went to a local Chase Bank in XXXX to seek information as provided for in the FCRA, but instead was interrogated and was finally told they would investigate and send me a letter. It has been over 2 months since they were advised they opened a fraudulent account in my name and I still do not have my money that they accepted online by a thief without verifying their identity. I am out almost XXXX XXXX dollars Chase accepted over 3 months ago and they have shown no concern to investigate or make me whole.
Product: Debt collection

back in XXXX i found a fraud account on my credit report and i called the company let them know this account was fraud i also sent over my police and ftc affdavit regarding this fraud account this company placed this account back on my credit report without no notification and they also put that is was charge off as of XXXX/XXXX/XXXX and thats a complete lie.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XX/XX/2022 I filed an Experian credit dispute requesting the Creditor provide documentation validating the reported debt on my credit report. The creditor failed to respond to me or provide the requested documents to Experian. 

Experian Failed to investigate, and came back a week later with no investigation or resolution and closed the dispute. 


Experian refused to process a 2nd and 3rd dispute request on the issue. Creditor failure to provide documents to validate the claim being reported. Experian failed to investigate the claim.
Product: Credit reporting or other personal consumer reports

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 
XXXX XXXX Balance : {$6500.00} XXXX XXXX XXXXXXXX Balance : {$4300.00} ; XXXX XXXXXXXX Balance : {$6200.00} XXXX XXXX XXXXXXXX Balance : {$6200.00} ; XXXX XXXXXXXX Balance : {$0.00}.
Product: Debt collection

1. **Failure to Acknowledge SCRA Protections** : - I contacted Midland Credit Management ( MCM ) via their live chat system to request retroactive application of the Servicemembers Civil Relief Act ( SCRA ) to an account originally opened with XXXX XXXX XXXX XXXX XXXX XXXX The chat session was terminated immediately after I mentioned the SCRA, without explanation or assistance. 
- I also and disputed and offered to provide documentation proving eligibility for SCRA benefits, including : - Proof of my spouses active-duty military status ( service began in XXXX XXXX ). 
- Documentation confirming the debt was incurred **prior to my spouses active-duty service**. 
- MCM has not acknowledged my requests, adjusted the account, or communicated further. 

2. **Ongoing Non-Compliance** : - Despite SCRA requirements, interest has continued to accrue on the account. The debt was transferred to MCM after origination, but they have failed to honor the retroactive 0 % interest rate mandated by federal law.
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 items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXXXXXX Balance Owed : {$15000.00} XXXX XX/XX/2023
Product: Credit reporting or other personal consumer reports

Hello My account is paid off but It is not removed from my credit report. I would like it removed, to enhance my XXXX XXXX. 

Thank You XXXX XXXX
Product: Credit card or prepaid card

I receive a notification that I would be charged an annual fee on my next billing statement. I called to have the fee waived or cancel the card. The rep explained BofA 's stance and that they will not waive the fee., I asked to cancel the card and the rep explained that I would still be charged the fee because I have an open balance. I don't understand how that is fair, if I am not taking advantage of any of the cards specials.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please remove the late payments from all credit reporting agencies and companies reporting them. 
I have contacted them with no resolve from them. 
In accordance with The Fair credit reporting act, these creditors/companies have violated my rights under 15 USC 1681 section 602 States I have the right to privacy 15 USC 1681 section 604a section 2 It also States a consumer reporting agency can not furnish account without my written instructions.

Under 15 Usc 1666b a creditor may not treat a payment on a credit card account under an open consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a follow up complaint to cfpb # XXXX. Equifax is incompetent in handling my affairs. On XXXX XXXX a request for block and delete of information on my credit report was submitted to Equifax via the cfpb and by fax. Equifax has neglected my request. 

Equifax response was Thank you for submitting your complaint through the CFPB Complaint Portal. In your complaint, you indicated that there were inaccurate items reporting on your credit file. Equifax has completed its investigation, including contacting the furnisher of the information, where applicable. A summary of the results are listed below : ID : Current Address THE CURRENT ADDRESS HAS BEEN ADDED/UPDATED PER THE INFORMATION PROVIDED. NON REPORTING DISPUTES Inquiry : XXXX XX/XX/XXXX THE DISPUTED ITEM IS NOT CURRENTLY REPORTING ON THE EQUIFAX XXXX FILE. Inquiry : XXXX XXXX XXXX XX/XX/XXXX THE DISPUTED ITEM IS NOT CURRENTLY REPORTING ON THE EQUIFAX CREDIT FILE. Inquiry : XXXX XXXX  XXXX XX/XX/XXXX THE DISPUTED ITEM IS NOT CURRENTLY REPORTING ON THE EQUIFAX CREDIT FILE. Inquiry : XXXX XXXX XX/XX/XXXX THE DISPUTED ITEM IS NOT CURRENTLY REPORTING ON THE EQUIFAX CREDIT FILE. Inquiry : XXXX XXXX XXXX XX/XX/XXXX THE DISPUTED ITEM IS NOT CURRENTLY REPORTING ON THE EQUIFAX CREDIT FILE. 

The FTC report and personal statement referenced ACCOUNTS on my consumer report not INQUIRES! Equifax you are not doing your job. You assumed this role of housing my consumer report. It is your duty to handle all request by the consumer correctly. 

You are reporting : XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX You have 48 hours to block, block and make the reflections to my consumer report or you will be held liable in federal court for not properly handling my affairs. I will be seeking compensation for monetary damages!
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA violations : inquires not mine XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX FCRA violations : payments never late XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$180.00} Status Open. 
XXXX XXXX  XXXX Potentially negative Date opened XX/XX/XXXX Balance {$97000.00} Status Open. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$1900.00} Status Open. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$4500.00} Status Open.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has ignored all my request and CFPB request This is my final request Asking for assistance. I have included ID and Reports and I will also include documents that were faxed to them on several occasions with the fax received receipt. and my phone number. before reporting this issue to the Attorney General of the State of New Jersey. the settlement with the breach doesn't amount to the impact it causing to my life.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles 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 tracking these transactions was unfeasable. The CFPBs 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. The lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX 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 reputation, my character, my mode of living and to my family! I demand the late payment reported in 60 days to be removed. 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 XXXX  days before the payment due date. XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports XXXX
Product: Debt collection

Capio Partner communicated in a letter they sent me through the mail with intent to extort money from me by using interstate communications in a scheme of fraud by using threat, intimidation, deception, and enticement to coerce me into paying them money through the mail. They claimed they purchased this alleged debt from XXXX XXXX and has been contracted to collect by XXXX XXXX XXXX.