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

This is several times I have found inaccurate information on my credit report. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit reporting agencies to review these accounts ( A ). Posting as information without confirmation within the time limit set by law is not permitted. I need to investigate, correct, or update the listed incorrect information on my credit report. 
XXXX XXXX XXXX XXXX  Balance : {$16000.00XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00}
Product: Checking or savings account

I had an account with Simple.com who operates und BBVA USA. They sent a notice through their website, which does not forward to email, phone, text etc. IE NO COMMUNICATION WHATSOEVER unless I log into their portal on XXXX that they would be closing my account on XX/XX/21. I logged in today after late fees, and bounced checks not knowing my account had been closed. They now are telling me they will wait 3 weeks to mail me almost $ XXXX which is my entire funds ( I literally have no other money in any other bank or anywhere ). In the meantime my credit report will be impacted my bills will all be late. My child will lose her spot in daycare because I have no way to pay my daycare bills, and I risk eviction for non payment of rent because I have no way to pay my rent with all of my money being held XXXX by them. 

They have provided no adequate notice of account closure, nor have the/do they have the intent to provide funds in a timely fashion. 

Their response to my call and demand for funds within 24 hours is " theres not much we can do ''
Product: Credit reporting or other personal consumer reports

I didn't authorise these communications that's on my credit report.
Product: Money transfer, virtual currency, or money service

I am expressing concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. I have definitely used 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 9th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

Fifth Third bank, knowing committed fraud in violation of MGL 93A. 



They had recently bought my loan from XXXX XXXX ( XX/XX/XXXX ) and recd all the necessary accompanying paperwork, by XXXX they failed to make my insurance payment as required as my escrow agent, then forced insurance at XXXX greater than my insurance. They said that they sent letters to me, which they lied about, they never sent letters. My insurance agent called me finally to say that the mortgage company DID NOT PAY my required homeowners insurance which was due XX/XX/XXXX, speaking with Fifth Third, they have NO EVIDENCE of even attempting to mail my required homeowners premium and created a potential cancellation of my insurance by their deceptive practices and irresponsible fraudulent actions. 



I paid the insurance, myself, on my credit card after learning that Fifth Third refused to act responsible as my escrow agent and send a timely payment to renew my insurance. Fifth Third then forced insurance on me through their fraudulent insurance racket ( {$3700.00} instead of {$1500.00}!!!! ) they then further committed fraud by then elevating my escrow/mortgage payment by over $ XXXX mo in an attempt to defraud me continually. After looking up Fifth Third bank on the internet for complaints, I was surprised to see that Fifth Third Bank has a history of defrauding consumers, why do you allow them to continue to abuse the public? 

I am an XXXX who's professional job is to care for the sick, if I performed my job as poorly and deceptively as Fifth Third abuses their clientele, I would be fired. 

DO YOUR JOB and SHUT DOWN this fraudulent bank. They have made me spend HOURS on the phone, refused to do their job, passed the buck to other departments that then disconnected phones, and told me I WOULD NEED TO CONTINUE TO CALL BACK to make sure they did their job correctly ( and legally ) THIS IS UNACCEPTABLE, they owe me more than 4 hours of pay!!! I finally had to have my mortgage officer call in with me on conference and HE HAD TO SPEND OVER AN HOUR talking to these less than polite, non professionals at Fifth Third bank. 

With complaints stemming back 7 years, civil lawsuits and one brought by the CFPB itself, I dont understand why you allow them to commit fraud and do nothing about it. 

I DEMAND a resolution, I demand that the employees act legally and do not use deceptive practices such as I have explained above, please FINE THEM and have them pay me for my time, this is beyond ridiculous! 



Sincerely,
Product: Credit reporting or other personal consumer reports

Transunion has violated 15 USC 1681, the FCRA, on multiple occasions. They use stall tactics to delay the dispute process and allow items to remain within my consumer report without my consent. They also actively violated 18 USC 1028A as a non-affiliated party to any account reported within my consumer report. According to Daughtery v. Convergent Outsourcing Inc., 836 F.3d 507 ( XXXX XXXX XXXX ), a consumer report is considered a medium of communication and is thus subject to cease and desist requirements. According to the IRS an unpaid charge-off ( XXXX XXXXXXXX account ) is income and according to the FCRA income can not be reported on a credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am i victim of Identity theft and have inform these companies and also sent the necessary supporting documents and these inquiries are not being removed. 

I am not looking for credit nor have i applied to XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX. on XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX   XX/XX/XXXX XXXXXXXX XXXX/ XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX/ XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Please remove these inquiries and add the number XXXX as the number to contact before proceeding with any application.
Product: Credit reporting or other personal consumer reports

I am at a loss of words. My credit reputation is being tarnished by these errors on my credit report which are misreported. Experian is reporting these records in violation of the FCRA. Each of these accounts is in violation of the FCRA per reason stated.
Product: Payday loan, title loan, personal loan, or advance loan

I took out a {$2200.00} loan in early XX/XX/XXXX. On XX/XX/XXXX the loan amount was deposited in my bank account. On XX/XX/XXXX an automatic payment of {$390.00} was withdrawn from my account. {$110.00} was applied to the principal and {$270.00} was applied to finance charge. My loan balance was {$2100.00}. 

On XX/XX/XXXX, an automatic payment was withdrawn from my account for {$390.00}. ONLY {$1.00} was applied to the principle. {$390.00} was finance charge. My loan balance became {$2100.00}. 

On XX/XX/XXXX, an automatic payment of {$390.00} was withdrawn from my bank account. ONLY {$14.00} was applied to the principle. {$370.00} was finance charge. My loan balance became {$2100.00}. 

In 3 months, I have paid {$1100.00} in total payments towards the loan. Out of that amount, ONLY {$120.00} has been applied to the principle of the loan and {$1000.00} has gone to finance charge. 

After making {$1100.00} worth of payments in 3 months, the balance left on the loan has ONLY DECREASED BY {$100.00}. 

THIS IS A PREDATORY LOAN!!!
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Manual verification is required from notice. These items are illegal and needs to be removed asap. 

Copies of my signature needs to be provided and dates. These accounts are illegal and as i stated needs to be removed. 

Under USC Sec 15 Under USC 1666b USC 1637 ( b ) 15 USC 1681s-2 15 USC 16811i 12 CFR 1006.34c 12 cfr 1006.6c 15 usc 1671e ( b ) 15 usc 1681s-2 ( A ) UCC 9 Part 6, and FCRA tbese accounts were already disputed and passed timeframe of removal from all three Credit Bureaus Transunion, XXXX, XXXX XXXX These accounts needs to be removed immediately. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across TransUnion, XXXX, and XXXX. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my XXXX, Transunion, and XXXX report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter.

Thank you for your time and help in this matter.

Under USC 15 1681, 1682, 1683, 1684 these accounts must be removed immediately. 

I am requesting a manual veriication and not an automated process through Transunion, XXXX, and XXXX stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out twice now, and legal action will be taking under FCRA and FTC reports against these companies and also credit bureaus. 

Sincerely, XXXX XXXX XXXX XXXX XXXX balance {$940.00} date opened XX/XX/XXXX XXXX bank date opened XX/XX/XXXX balance {$2100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please remove these files. 
XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

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 Bankruptcy Account Number : XXXX Account Name XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. I've talked to the bank & they've agreed to remove the account. BUT TransUnion has some internal block which they're claiming they can use to not block the accounts because they feel they're above the law. When questioned why they're not accepting the Identity Theft report they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the Identity Theft report ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law & will not explain their policy... 
Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) ( B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The report included this language but TransUnion is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotional, physical & financially... and I would truly not what to pursue a legal remedyand the bank 's records ( learned through more research both parties require ). Please block/remove this files. If you feel there is a possibility this account belong to me I require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. This account ( s ) is unknown to me. Also, the information you provided on this account is DELETED from other bureau and I have doubts in their accuracy and the reported payment history on this account is a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 
XXXX XXXX XXXXXXXX Date Opened : XX/XX/2016 Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

Per CFPB report # XXXX : Santander has provided a completely false response to the Consumer Financial Protection Bureau . Santander claims they are unable to respond to this complaint because it " involves the same issues raised in pending or prior litigation. '' Santander continues to engage in unscrupulous business practices and this behavior has also been reported to the XXXX XXXX XXXX and Attorney General of XXXX 

I have NEVER before raised a complaint against Santander, let alone am I involved in ANY pending or prior litigation with this company. If Santander continues to assert this is true, it must provide proof of said litigation. If no proof can be provided, it must immediately update my account status to reflect " OK '' and/or " Open/Never Late, in accordance with legal requirements and factual correctness, per 15 US Code 1681a.
Product: Credit reporting or other personal consumer reports

I'm writing to communicate my XXXX  in regards to the contested records on my credit report. On numerous occasions, I have raised the issue of mistakes in these records, and have reliably mentioned that they be entirely researched. In spite of my endeavors, I presently can't seem to get any goal or restorative activity. These wrong records are seriously harming my credit document and upsetting my capacity to carry on with a typical life. The adverse consequences of these mistakes have caused gigantic difficulties for me, and I'm left with no decision except for to argue for your help with amending what is happening as quickly as time permits. I generously demand that you direct an exhaustive examination concerning the detailing of every one of these contested records. It is basic that the essential advances are taken to refresh and redress my credit report right away. With your assistance, I desire to reestablish the precision and trustworthiness of my credit document so I might recapture command over my monetary prosperity. I truly ask you to offer this matter your most extreme consideration and make a quick move. Your collaboration and backing in settling this issue speedily would be enormously valuable. Much thanks to you ahead of time for your comprehension and help.
Product: Credit reporting, credit repair services, or other personal consumer reports

Navient is reporting 8 student loan accounts across all three bureaus ( XXXX, XXXX  and XXXX ) unlawfully. Navient has violated my right to privacy by communicating this alleged debt with these consumer reporting agencies. Reporting this alleged debt to these consumer reporting agencies has caused harm to my reputation and is defamation of character. On XX/XX/21 I sent Navient an Affidavit of truth with exhibits ( proof ) of these violations, a debt validation letter, a Cease and Desist with my specified remedy and an invoice demanding {$6000.00} to remediate the damages caused by the 6 violations of my consumer rights. These documents were mailed to Navient via Certified Mail with return receipt.
Product: Debt collection

Good morning my name is XXXX XXXX, and I was the victim of identity theft back in XXXX, yesterday I started seeing a collection account from CREDENCE RESOURCE MANAGE on my credit report, which I have previously disputed with XXXX back in XXXX, so please stop collecting this money from me, also and I want this account to be deleted from my credit profile. The most important thing is that I have not been living in the United States since XXXX ( proof attached ), please delete it from my report
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see attached file for these items I am complaining. The following inquiries must be removed from my credit report IMMEDIATELY : - XXXX XXXX || DATE OF INQUIRY : XX/XX/2024 - XXXX || DATE OF INQUIRY : XX/XX/2024 - XXXX XXXX XXXX DATE OF INQUIRY : XX/XX/2024
Product: Credit card

Item : XXXX XXXX XXXX '' boot, size XXXX Amount : XXXX I refused the shoe delivery from the XXXX  driver on XX/XX/XXXX, instructing him to return the package immediately. I never touched or opened it. According to XXXX tracking number XXXX, the package was returned directly to the merchant and signed for by XXXX on XX/XX/XXXX. 

Actions : XXXX ) I contacted the merchant for a refund, but they kept telling me to wait. After multiple attempts, I decided to file a dispute with the bank. 
XXXX ) I contacted the bank to file a dispute. However, the bank denied it after the merchant provided partial tracking information indicating the package was delivered to me, without showing the part of the tracking that confirms it was returned to them. 
XXXX ) I contacted the bank XXXX more times for assistance, but they advised me to resolve the issue with the merchant since they could only process a chargeback once. Customer service kept recreating disputes for me, but the cases were consistently denied. 
XXXX ) I am now here to file a complaint with the CFPB because I have been wrongly accused.
Product: Debt collection

Collection account was first bought by XXXX XXXX, and I paid that account with them. Now I see that Midland Credit has the account, and I have tried to get them to take it off, since I paid the account in full already. They are refusing to help me, and will not take the collection account off. This was for a XXXX XXXX account that I had.
Product: Debt collection

I am very annoyed and disappointed when I got my credit report just today. I have researched my rights on the internet regarding whats happening on my credit report. I dont know if you are playing games with me because I KNOW MYSELF, I KNOW MY ACCOUNT, I KNOW IF I PAID ON TIME OR NOT, I KNOW IF THIS IS MY ACCOUNT OR THERES SOME ANOMALLY GOING ON HERE. PLEASE Im begging you to investigate what is happening on my credit report. Im listing down all of the information below that is clearly a 100 % inaccuracy on my credit. 

XXXX ; Account Number : XXXX Bal : {$340.00} XXXX  XXXX  ; Account Number : XXXX Bal : {$15000.00} XXXX XXXX ; Account Number : XXXX Bal : {$990.00} XXXX XXXX ; Account Number XXXX XXXX Bal XXXX {$650.00}
Product: Credit reporting or other personal consumer reports

I have been trying to resolve these issues on my credit report for A while now. Experian, has not been cooperative in my pursuit to get these issues resolve. In my disputes, I keep stating that these items are in violation of the fcra, and in-fact inaccurate their investigation ( s ) have not fixed these issues. I have been trying to get this addressed, but Experian won't cooperate and is ignoring my letters and complaints.