23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My name is XXXX XXXX and my property was foreclosed by ShellPoint Mortgage while I was in review for loan modification, I property is now owned by a 3rd party as of XX/XX/2017. I believe ShellPoint did not follow the proper Home Owner Bill Of Rights procedures as I feel I was a victim of dual tracking.
Product: Credit reporting or other personal consumer reports

XXXX XXXX ( XXXX ) Is Listed As A Charge Off, And the address thats connected to it too is not a place i stay at and need it removed. I Know i can write it off but i just need it off to up my credit score because im unaware of these transactionsand credit report checks they did without my knowledge XX/XX/XXXX XXXX XXXX - ( XXXX ) listed as closed XX/XX/XXXX should be removed off to and is effecting my credit score. stoppage from my bank trying to help me. 
XXXX XXXX ( XXXX ) - ( XXXX ) on XX/XX/XXXX this statement was charged off and should be removed too. 
These three things are putting a tremendous turmoil on my credit score it is effecting me because its extra loops i have to go through and try to figure out when these inquiries should've been off and wiped off my statement because these are unfamiliar too me and something that was not done by my doings.
Product: Credit card or prepaid card

This account with JPMORGAN CHASE BANK with account number XXXX, has been paid, and thus, it should be removed from my credit report. There is no longer any balance on it and it has been closed. I have reached out to XXXX, XXXX and XXXX Bureaus and to the furnisher but no response was ever made by both of them. They have neglected my request of giving me a response or deleting this account.
Product: Debt collection

VALIDATION AND CEASE AND DESIST Credence Resource Management XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear Credence Resource Management, I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : XXXX. The name and address of the original creditor and the current creditor. XXXX. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. XXXX. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. XXXX. Proof that the original creditor securitized the debt. XXXX. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. Please cease and desist from collecting on this debt until you have provided validation of the debt. Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. Thank you for your prompt attention to this matter
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Please XXXX and remove it. 
XXXX  XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I have no knowledge of these accounts or applying to these accounts. 

Dear Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

I am filling a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Checking or savings account

Bank of America My funds have been frozen since XX/XX/year>, but I can't tell the bank why they have been frozen. XXXX years have passed, and they don't give me any time to send me a check. I suspect that the money was embezzled by the bank staff, and I need them to give me a fair answer
Product: Credit reporting or other personal consumer reports

Subject : Request for Deletion of Inaccurate and Unverifiable Account Information Account XXXX To Whom It May Concern, I am writing to formally request the permanent deletion of the following account from my credit reports due to inaccuracies, lack of verification, and violations of consumer protection laws. 

Account Information Account Number : XXXX Creditor Name : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX 

High Balance : {$450.00} Credit Bureaus Reporting : XXXX and Experian Issues and Violations XXXX. Discrepancies in Reporting The account status is reported as closed on both credit bureaus, which is inconsistent with the Date of Last Activity being reported as XX/XX/XXXX on XXXX and XX/XX/XXXX on Experian. This inconsistency violates FCRA Section 1681e ( b ), which requires accurate reporting of information.

2. Lack of Proper Verification Both credit bureaus report that the account has been resolved, but it remains disputed by me. FCRA Section 1681i ( a ) ( 5 ) mandates that the creditor must provide proper documentation of the debt, which has not been provided. As a result, this account is unverifiable and should be deleted.

3. Failure to Properly Report The remarks from the creditor indicate a dispute resolution, but no substantiating details are provided. Per FCRA Section 1681i ( a ) ( 1 ), when a dispute is reported, the creditor must provide verification, which has not occurred.

4. No Reporting of Payment History or Past Due Amount Neither credit bureau reports any payment history or past due amount for this account, further confirming that the information is incomplete and unverifiable. This violates FCRA Section 1681i ( a ) ( 5 ) ( A ), which requires the reporting of accurate and complete information.
Product: Money transfer, virtual currency, or money service

I have serious concerns regarding Zelles handling of disputes especially in light of the recent CFPB lawsuit highlighting issues with the platform. I have used Zelle multiple times and reported issues as well and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. Zelle neglected to protect customers and allowed repeat offenders to exploit the system, leaving legitimate 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

I need you to attend the following show items in this letter which contains data taken directly from my credit report which you have provided. XXXX XXXX dated XXXX Please delete this unconfirmed inquiry lacking certifiable evidence unless physically certified proof is demonstrated per U.S. CODE U.S.C. {$1600.00} ET SEQ. Section 604 of Fair Credit Reporting Act. Once you have furfilled my request mail me an updated credit report reflecting these changes. I do not recognize any of these inquiries, please remove.

I reviewed my credit profile and noticed inaccurate and/or incomplete information, and accounts. Fair Credit Reporting Act Sec 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information that is inaccurate and incomplete.

It is also my understanding the FCRA 15 U.S.C. & 1681 every single one even each any or unproven non compliant untrue incorrect aspects of alleged derogatory accounts must be promptly deleted.

The following derogatory account allegations are either untrue, incorrect, incomplete untimely not my responsibility or otherwise not proven compliant to regulartory federal reporting laws and or standards and MUST be removed immediately.

The infraction are as follows : XXXX XXXX Bank # XXXX XXXX XXXX XXXX along with the XXXX  XXXX credit inquiry Also Ive notice two different dates of last activity along with two different last payment, two different dates of last payments, two different dates of opening account. Which are inaccurate information according to FCRA.
Product: Checking or savings account

On XX/XX/2020 my husband noticed a XXXX XXXX transaction was sent to a XXXX XXXX from our checking account from USAA and asked me about it. I replied I did not make that transaction from XXXX at all. He immediately called USAA and reported fraud. As he was talking to a representative, I checked my savings account and noticed another XXXX was taken unauthorized through XXXX  two days prior which was that Saturday, so I got on the phone and reported that also. Our accounts were frozen for 72 hours and then after that no call or update, all our pending transactions were released. At this point, all our funds were removed and placed in another account that was not involved. On XX/XX/XXXX, I got two emails saying that my claims were denied and no fraudulent activity was found and the cases were closed, immediately called USAA and due to Covid, requested a representative call me back due to the wait times. The representative called me and I expressed my concerns and requested the documentation to be provided stating why it was closed because the letter I got stated I could get them. She told she would request them and it would take one to three business days and she would have everything reopened and a fraud analyst call me. This was Wednesday and I gave USAA until the following Wednesday. At this time which is now XX/XX/XXXX, I called USAA again asking the status of my claims and my documents. The representative even sounded confused to why it was closed because their findings made no sense to him. No notes from anyone looking into the two claims nor did I receive any documents. I told him on the XXXX, that USAA has until the following Wednesday to contact me with some sort of progress or documentation. I stated he could annotate the account I would file a complaint with the CFPB that this was not right. Its now XX/XX/XXXX and NO ONE has reached out to me via phone, email or mail.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I have carefully reviewed my credit report in Transunion. I have been turned down for a credit due to mis-reporting information, I have found inaccuracies that should be immediately investigated. I have complete knowledge of the Fair Credit Reporting Act and understand that these companies have a responsibility to notify me prior to or no later than 30 days of such negative activity reporting against me. Under Section 614, restrictions on investigative consumer reports [ 15 U.S.C. 1681l ], you only restrict to investigate my personal file if no adverse information in my report ( other than information which is a matter of public record ) may be included in a subsequent consumer report unless such adverse information has been verified in the process of making such subsequent consumer report, or the adverse information was received within the three-month period preceding the date the subsequent report is furnished. Please correct the account 's information ASAP : XXXX XXXX
Product: Debt collection

I sent out a dispute to discover financial about an account on my credit profile that does not belong to me. On XX/XX/2019 i faxed a dispute letter my social security card drivers license utility bill affidavit of identity theft and also a police report which will be included in this complaint. I received a response to my dispute from discover bank on XX/XX/2019 stating that the account ending in XXXX was found to be valid. In my dispute i requested that discover delete the trade line off of my credit report unless they conclude that the trade line item is verified, I requested details of there method of verification used to determine the accuracy and completeness of the information they included about me in a consumer report. In there response to the dispute they did not send over proof that the account belonged to me and they also did not send over there verification methods as i requested there response to my dispute will be attached as well. I spoke with a representative today XX/XX/2019 again about this matter i asked why are they trying to collect on a debt reported as identity theft and the representative told me that my affidavit and police report is not proof of identity theft. This inaccurate information that is being reported about me is causing me serious stress and damaging me financially.
Product: Credit reporting or other personal consumer reports

**Consumer Financial Protection Bureau*XXXX XXXX XXXX XXXX XXXX, IA XXXX XXXX*Subject : Opting Out of Credit Reporting and Violations of the Fair Credit Reporting Act and the Privacy Act of 1974** **Account : XXXX XXXX XXXX  To whom it may concern, I am writing to formally opt out of any credit reporting on my consumer credit reports and to address violations of my rights under the Fair Credit Reporting Act ( FCRA ), 15 USC 1681, and the Privacy Act of 1974 ( 5 USC 552a ).

As a federally protected consumer, I assert my right to privacy as outlined in the FCRA, 15 USC 1681a, and invoke my right to opt out of any reporting on my credit reports. Reporting my transaction history without my explicit consent is illegal and violates my rights under the FCRA.

According to 15 USC 1681b, I have never given written authorization to report personal information on my credit reports. Furthermore, P.L. 90-321 ( 82 Stat. 146 ) specifies that any agency can only access my report in response to a request by the head of a state or local child support enforcement agency.

In addition, 15 USC 1681c states that no consumer reporting agency may make any consumer report containing adverse items of information other than records of convictions of crimes older than seven years. Any derogatory mark on my report is a violation of this section.

According to 15 USC 1681n, civil liability for willful noncompliance allows for damages of not less than {$100.00} and not more than {$1000.00} per violation. I can prove willful violations and am entitled to compensation.

The Privacy Act of 1974 ( 5 USC 552a ), subsection ( b ), states that no agency shall disclose any record without prior written consent. I have never authorized such disclosures.

Per 12 CFR 1016.1 ( Regulation P ), I have the right to opt out of disclosures to nonaffiliated third parties. Companies must provide a privacy notice and comply with opt-out requests promptly, as per 12 CFR 1016.4 and 1016.7. I have not been given the opportunity to opt out of any reporting. Additionally, 15 USC 6802 requires opt-out notices for any information added to my consumer reports. 
Given these violations, I request the removal and deletion of the XXXX XXXX XXXX account reporting on my credit reports. This is an opt-out notice and removal request, not a validation or verification of debt. 
Thank you for your prompt attention to this matter.
Product: Debt collection

There are fraudulent accounts in my report. How hard it is to grant me my right of fair and accurate report? you are violating my right by not removing these accounts. Remove these as soon as possible! 

XXXX XXXX XXXX  account # XXXX date opened XX/XX/XXXX XXXXXXXX XXXX XXXX  account # XXXX date opened XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian customer service would not help and take care of the negative inquiries reporting to your credit report which are unauthorized and listed below XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX CARE OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX Phone : ( XXXX ) XXXX RE : Account # XXXX Hey guys, I was going over my credit report and I wanted to get an account validation. 
Im in the process of getting my taxes and things in order and this is just something that I feel needs to be taken care of aswell. 
I am exercising my right to request validation on any debt that is alleged to me. 
In this climate of data breaches and such, I just need to be absolutely sure that none of my data has been compromised and used without my authorization. 
Im basically asking that you provide me with competent evidence that I personally have a legal obligation to pay you and that you are actually who you say that you are as well. 
When your offices provide the proper documentation as requested in the following declaration, I will need about 30 days to investigate this information. During such time all collection activity must cease and desist. 
Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suit. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. 
If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. 
Im not looking to have you verify my name and address. Im actually looking for a few specific details and I will go ahead and list them below. TIA
Product: Credit reporting or other personal consumer reports

XXXX is fraudulently reporting inaccurate information that they NEVER verified or validated.
Product: Credit card or prepaid card

Clarification. This complaint process forced me to select from 1 or 3 options regarding my issue ... but NONE of the options actually reflect my issue. I discovered that for a " period of time '' in XX/XX/2017, transactions appeared on my billing statement, but DO NOT appear in the online transaction details that I downloaded! And I've attached documentation regarding this. I explained this to American Express and they said that they can only see my statement - NOT the transactions details that I can see and download online. This is very, very strange to me. And to be clear, this discrepancy ONLY exists for a short window of time in XX/XX/2017. I've attached transaction details, downloaded directly from americanexpress.com and you'll notice NO TRANSACTIONS between XX/XX/2017 and XX/XX/2017. However, I've attached my American Express statements for this period and you can CLEARLY SEE transactions. I can't get American Express to explain or resolve this ... ..
Product: Credit reporting or other personal consumer reports

To whom it may concern, I hope this email finds you well. My name is XXXX XXXX and I am a consumer/client of Lexington Law since XXXX XXXX XXXX. Every year I tried to cancel my membership with them, but all they did was give me discounts, defer my payments then they continue charging me again. I only have XXXX negative on my account cost less XXXX XXXX which I could've just pay off, instead of spending and wasting my money on Lexington Law.

I thought they could help me dispute wrongful charges and they even advise me not to reach out the collections company and they will continue sending letters. Up until they don't anymore. To be honest I don't even know if they are helping me with 1 negative cost {$800.00}. They are charging me {$120.00} a month at the beginning until I felt it's too much that's when they gave me discount not to cancel.

I keep calling them before ; to cancel and I've been telling them that I'm paying monthly, and I don't see any updates on my credit report. 

XX/XX/XXXX, they still charge me it's very hard to reach out to them, all the consultants have different approach like they don't know what's going on, on my account XXXX - XXXX they did not help me. I noticed I can not remove my card details on the account, and they are hard to contact now. I don't remember them reaching out to me because if I've known they were being sued I canceled already as I tried doing that yearly.

Please help me any insights is highly appreciated.

I attached all the emails, and my bank statements from XXXX. I can not retrieve anything past XXXX I think I have to request that from my bank. 

Kindly let me know what legal actions I can do. 

Thank you very much XXXX XXXX XXXX
Product: Debt collection

The debt collection company, Diversified, ( XXXX XXXX is the latest person ), repeatedly calls. Their # is XXXX. I have spoken to them at least 10 times. I have indicated that I owe NOTHING and have asked them to stop calling. My position is that I am willing to defend myself in a court of law, therefore I have told them to sue me or take me to court. They simply reply that they will call again at a later date. I have told them that they are harassing me and some just laugh. The calls do n't stop. Please help.
Product: Debt collection

I was contacted by a representative from Consumer Solutions Group on XX/XX/23 about a personal loan debt that was placed with their company for collection. When I spoke with the representative, he said he was with XXXX XXXX XXXX, and he told me that a complaint was being filed against me for check fraud, and said that I was going to be served with a lawsuit by the original creditor if I didnt set up a payment with him. I asked him to send me proof of the debt, as I had never received any communication from the collection agency prior to this phone call. He emailed me a copy, and claims to be sending one in the mail. Upon reading the email, I see errors in my town name, so I contacted the original creditor. They directed me to XXXX XXXX XXXX, who purchased the debt from the original creditor, and were using Consumer Solutions Group to try to collect the debt. When I informed the representative of my concerns, she informed me that their company does not work with the court system at all, and that what I was telling her was not true and very concerning. She closed my account with Consumer Solutions Group and is reassigning me to a different agency. She is also going to report this and do a full investigation into the companys practices of debt collection.
Product: Debt collection

15 USC 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions XXXX XXXX XXXX added a collection to my credit report and I didnt have a written agreement with this company. 


15 U.S.C 1692C without prior consent of the consumer given directly the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with collection of any debt. 

XXXX XXXX XXXX called me on XX/XX/23, XX/XX/23 trying to collect a pay and or to set up some type of payment arrangement.