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

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and Identity Theft Victim in offense of identity theft ; which prohibits " knowingly transfer [ ring ] or us [ ing ], without lawful authority, a means of identification of another person with the intent to commit, or to aid or abet, any unlawful activity that constitutes a violation of Federal law, or that constitutes a felony under any applicable State or local law. '' 18 U.S.C. 1028 ( a ) ( 7 ). 

-Schemes to commit identity theft or fraud may also involve violations of other statutes such as identification fraud ( 18 U.S.C . 1028 ), credit card fraud ( 18 U.S.C. 1029 ), computer fraud ( 18 U.S.C. 1030 ), mail fraud ( 18 U.S.C. 1341 ), wire fraud ( 18 U.S.C. 1343 ), or financial institution fraud ( 18 U.S.C. 1344 ). Each of these federal offenses are felonies that carry substantial penalties -- in some cases, as high as 30 years ' imprisonment, fines, and criminal forfeiture.

Other Violations : Fair Credit Reporting Act The Privacy Act of 1974 15 U.S.C. 1681 g ( e ) Identity Theft and Assumption Deterrence Act Ala Code 13A-8-190 Ala Code 13A-8-193 Ala Code 13A-8-194 & 195 Ala Code 31-13-14
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing an account in my credit report and the bureaus have not given answers as of the status of the disputes so far. 

I started sending letters from XXXX
Product: Credit reporting or other personal consumer reports

I am writing in reference to the charge-off account listed on my credit report, identified by the account number XXXX. Upon reviewing my credit report, I noticed that this debt is being reported as a charge-off, despite the fact that it has been discharged. As I understand it, once a debt is discharged and a tax write-off has been taken, it is considered taxable income, and the reporting of this account as a charge-off on my credit report is not only misleading but potentially illegal. 

After consulting with the IRS, I was informed that it is unlawful for you to continue reporting this debt as a charge-off or attempting to collect on it after it has been discharged and reported as taxable income. Such actions could be considered tax fraud, and I will report this matter to the IRS. I have been advised to file IRS Form XXXX to report illegal tax violations by your company. 

I demand that you immediately remove this account from my credit report and provide me with a copy of the Form XXXX that should have been issued to reflect the discharge of this debt. This is necessary for me to audit the information and ensure that you are in compliance with tax laws. 

Additionally, under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681e ( b ), you are required to ensure that the information you furnish is accurate and up to date and fair. By reporting this account as a charge-off without considering the discharge, you are in violation of this provision since reporting income on a report is inaccurate and unfair Any violation of the FCRA entitles the consumer to actual damages and monetary compensation. 

This account must be removed from my credit report immediately. If you fail to comply, I will have no choice but to pursue legal action to seek compensation for each and every inaccuracy. 
Please consider this letter as a formal request to resolve this matter promptly. I expect confirmation of the removal of this account from my credit report and a copy of the Form XXXX within 30 days. Failure to comply will result in further action.
Product: Credit reporting or other personal consumer reports

XXXX dropped my XXXX XXXX XXXX points because I paid a credit card balance down. When you pay off debt your score is not supposed ot be dropped down. It's supposed to improve. I'm guessing the same stock holder own this bureau that own transunion. Which has been doing the same illegal non sense for excerising my rights to report false credit reporting. Now they are doing it to my experian profile. You all need reformation.
Product: Credit reporting or other personal consumer reports

Navy Federal Credit Union, please be advised that you are attempting to collect on an expired debt. I am invoking my right to cease you, based on factual law that this debt in question is legally expired under the Statute of Limitations. The statute of limitations in the state of Texas is 4 years. This account was opened in XXXX XXXX XXXX. This account and debt should have been ceased as of XXXX XXXX XXXX. Accordingly, I am requesting that you do not attempt to collect this expired debt, and should you seek legal recourse I will invoke my right of the expired statute as a valid defense. Additionally, any attempts to harm my credit rating by updating or changing dates after you have been informed that the debt is expired, are a direct violation of the FDCPA. Any abuse to my credit rating on your part will be met with all recourse available to me. I am aware of how long items may remain on my credit reports and any attempt to extend the reporting time will be investigated by me and reported to the XXXX XXXX XXXX and my State Attorney General. I am completely aware of how long the debt is legally collectable and how long it is legally reportable. I realize a debt is allowed to be reported to my credit for 7 years, and my research has shown me that often a collection agency will reset the date of original charge off to the date they purchased it, thus trying to extend the reporting time in an attempt to force a consumer into paying it. I noticed that the date of last payment and date last active says XXXX which is incorrect, and I have all documents to prove otherwise. The account is due to be removed from my credit report in XXXX. I am informing you of this knowledge so that you may do the right thing. I have no intention of renewing the expired statute of limitations, and I expect the following account to be deleted from my credit report within 7 days : NAVY FEDERAL CR UNION XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to inform you that on XXXX XXXX, 2020 I sent a letter stating that I found inaccurate items on my credit report. I feel I have been patient with the investigation process but it has been over 46 days and I have not received a response. Unfortunately I feel as if my disputes have been ignored and that I have been taken advantage of. According to Section 611 ( a ), a failure to investigate these items within 30 days gives a reason to immediately remove the inaccuracies from my report. Again I would like you to know that it has been over 46 days ; the items within the dispute need to be deleted in an expedient manner please. I am requesting these items be deleted immediately or I will implement litigation due to the stress and hardship you have caused me. I was affected by the XXXX  data breach and this may be the result of this nefarious activity on my reports.
Product: Credit reporting or other personal consumer reports

Complaint Type : Credit Reporting - Incorrect information on your credit report Issue : Dispute investigation by credit reporting company didnt fix error Complaint Details : I am filing this complaint regarding inaccurate and unverifiable information reported on my credit file by Experian. Despite multiple disputes submitted to Experian, no verification or validation has been provided as required under the Fair Credit Reporting Act ( FCRA ). The details of the accounts in question are as follows : XXXX XXXX Account ( XXXX XXXXXXXX ) Conflicting statuses : " Closed at credit grantor 's request '' and " Charged off '' Credit usage shows 100 %, with a balance ( {$440.00} ) exceeding the credit limit ( {$300.00} ) Missing payment history from XXXX to XX/XX/XXXX Experian has not provided any validation documents from XXXX XXXX XXXX XXXX Account ( XXXX XXXX ) Reflects XXXX late payments without clear documentation or explanation Reports a past-due amount of {$160.00}, despite a highest balance of {$190.00} Misleading status : " Closed at credit grantor 's request '' but still reported as past due No documentation validating the account details has been provided XXXX  Account ( XXXX XXXXXXXX ) Discrepancies : Account lists a credit limit of {$300.00}, a highest balance of {$0.00}, and " XXXX through Bankruptcy XXXX XXXXNever Late '' Missing payment history from XXXX to XX/XX/XXXX The status shows " Completed investigation of FCRA dispute - consumer disagrees, '' but no substantiating documents were provided As a victim of the XXXX XXXX breach, I believe the inaccuracies may also stem from identity theft or fraudulent activity.

FCRA Violations : 15 U.S.C. 1681i ( a ) : Experian has failed to delete or verify the disputed information within the required 30 days.

15 U.S.C. 1681e ( b ) : Experian has not ensured maximum possible accuracy in reporting these accounts. 
Case Law Reference : In XXXX XXXX XXXX XXXX ( XXXX ), the court ruled that credit reporting agencies can not rely solely on data furnishers and must conduct their investigations. Experian has failed to comply with this precedent.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX Bank ) XX/XX/XXXX XXXX XXXX XXXX XXXX Bank ) XX/XX/XXXX XXXX XXXX ( Auto XXXX XXXX XXXX XXXX XXXX ( Finance XXXX XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXXXXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX  ( Bank ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX FINANCIAL ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX  XXXX ( Auto ) XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX DC ( Auto ) XX/XX/XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX XXXX XXXX  ( Bank ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXXXXXX XXXX ( Auto ) XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX ( Auto XXXX XX/XX/XXXXXXXX XXXX XXXX ( Finance ) XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX ( Auto ) XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Auto ) XX/XX/XXXXXXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX  XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX  XXXX ( Bank ) XX/XX/XXXXXXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXXXXXX XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX  XXXX ( Bank ) XX/XX/XXXX XXXX  XXXX ( Bank ) XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2nd complaint on this matter. EQUIFAX responded to my last complaint with a completely irrelevant response to the complaint. I stated EQUIFAX deleted 3 accounts and 10 inquiries I filed identity theft for. Although these are all deleted, EQUIFAX did not comply fully for violating my rights by not complying to the invoice for all violations they committed. I sent an Affidavit of Truth stating EQUIFAX violated 15 USC 1681b ( a ) ( 2 ) by furnishing these accounts and inquiries with out my written instruction to do so and attached an invoice to it. They did not send me money via the invoice that was with the Affidavit of Truth. This violates 15 USC 1681n ( B ) of the FCRA. Pursuant to 15 USC 15 USC 1681n ( B ), EQUIFAX is liable to compensate me for each violating they committed. Now looking at all deletions, there is a total of 13 deletions. Deletion is admission. EQUIFAX deleted 10 inquiries and 3 fraudulent accounts, totaling 13 deletions. ( Proof of all is attached ) Therefore they are liable for EACH deletion. XXXX XXXX ( XXXX ) XXXX XXXX  ( XXXX ) XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX ( XXXX )
Product: Mortgage

Wells Fargo as mortgagee : I applied for modification, took nearly a year. The offer came back higher than my original payment prior to mod application They WF took a deferred second from a previous mod of $ XXXX plus and added it back into principal and tho the rate was lowered from 4 to 3.75 the additional principal obviously increased my payment I dont get where the RELIEF as in the word implies modification should increase my mo payment and WHY they would even think about adding back that large amount of money in my effort to seek RELIEF My PAYMenT WENT UP!
Product: Mortgage

On XX/XX/2023, I applied for mortgage relief assistance with XXXX. On XX/XX/XXXX, approximately 80 days later, I received a notification of denial of funding. The reason given was that the mortgage servicer at that time, XXXX XXXX  XXXX XXXX XXXX claimed that my mortgage had been paid off. Nothing could have been further from the truth. My mortgage had actually been transferred in-house to AimLoan.com, their employer. 

XXXX 's misrepresentation of my account caused me to lose thousands of dollars in mortgage assistance. 

After several failed attempts to have my application reopened and sent to the correct servicing department, I was forced to reapply. On XX/XX/2023 I submitted a new application to XXXX. On XX/XX/XXXX, I was notified by XXXX  my application was complete and internal processes had been initiated. This included contacting my mortgage servicer, Aim Loan, for verification of the loan. As of today, 21 days, XXXX has not responded to XXXX 's request to confirm my loan information. Thus causing an unnecessary delay in the processing of my mortgage relief funds. Without this verification, my mortgage assistance application can not move forward. 

In the meantime, Aim Loan 's Loss Mitigation Department ( XXXX ) has begun deriving letters with false claims of speaking to me and agreeing to a new deferment plan. Aside from the fact I have not spoken to anyone from loss mitigation about crafting a new deferral, the amounts they are proposing are erroneous and do not accurately reflect the current delinquent balance in any way. There is also a reference to an existing past-due amount of {$6300.00}. with no explanation of how this figure was derived. 

The details of these errors and more are included in an email I sent to Loss Mitigation ( XXXX ). ( See attached. ) PS - It may be noteworthy to mention the letter I received from Loss Mitigation refers to the old Loan # ( XXXX ). The same account that had been reported to XXXX  as paid off. How can my old account have all these new balances and delinquencies? 

Everything should be pointing to the newly derived account # XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to express my profound disappointment and frustration regarding the ongoing issue with fraudulent items persisting on my account. Despite my repeated attempts to resolve this matter, I find it incredulous that I am now compelled to address this for the seventh time.

Despite my efforts and the assurances I received, the fraudulent charges persist, and the promised action remains elusive.

The repeated failure to address this issue is utterly unacceptable and reflects poorly on your company 's commitment to customer satisfaction. I have provided ample evidence and cooperation, yet the fraudulent items continue to mar my account, causing me undue stress, inconvenience, and financial harm.

I demand immediate and decisive action to rectify this situation. I insist that the fraudulent charges be promptly removed from my account, and any associated fees or penalties resulting from this egregious oversight be waived without delay. Furthermore, I expect a formal apology for the prolonged neglect and the distress it has caused me. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXX Balance : {$580.00} ; XXXX XXXX XXXX Balance : {$580.00} ; XXXX XX/XX/2024 ; XXXX XXXX Balance : {$3100.00}.
Product: Credit reporting or other personal consumer reports

My legal name is inaccurate across my Experian, XXXX, and XXXX credit reports. There are variations of similar names without my generation identifier. This has lead to inaccuracies across creditor reports validating inaccurate information as XXXXThere multiple inaccurate addresses I have never been associated with but my father has lived at.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX  debt bondage, which falls under XXXX according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of human trafficking of XXXX XXXX and would like for all listed account to be blocked and deleted company information from TransUnion. 

Please delete the following account XXXX XXXX BALANCED {$0.00}
Product: Credit reporting or other personal consumer reports

I forgot to put my Social Security Card and personal identification ( Driver 's License ) with the first dispute.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding zelle 's handling of disputes, particularly in light of recent CFPB lawsuits 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 that tracking these teabag l transactions are 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. The lack of accountability and transparency is unacceptable and raiders serious concerns about consumers safety.
Product: Credit card

I planned a travel vacation from. XXXX thru XXXX. I secured rental insurance from Chase Bank Card Benefits Administration prior to travel. On XX/XX/year> I was travelling through the XXXX XXXXXXXX in the middle of the night. A truck passed me on the left, then pulled into XXXX XXXX. It kicked up a rock which hit the windshield, however I couldn't see it. When I got to XXXX XXXX, CA ( my destination ) I saw the crack in the windshield. I called Enterprise XXXX XXXX  and reported it. They told me to trade the car in. Subsequently, I had to travel to XXXX towns and XXXX agencies to trade the vehicle in. Not until after XXXX did I hear from Enterprise about the cracked windshield, a bill for {$790.00}. I immediately filed a claim with Chase Card Benefits. I received 2 letters from XXXX XXXX XXXXXXXX XXXX XXXX dated XX/XX/year>. XXXX stating I was covered by them. XXXX, the case was assigned to a licensed adjuster ( XXXX XXXX ), He has refused to call me, and acknowledge receipt of documents which have been requested by letter. I am receiving emails, calls, and letters from Enterprise demanding payment. Enterprise is now turning it over to debt collection, and this will affect my credit rating, plus the harassment I have been going through. I have called no less than 4 times to the adjuster, with no response. XXXX XXXX has also refused to contact Enterprise informing them he is assigned to my case. Numerous time I have sent in the information request, but the claim is not paid. I purpose elected Chase Card benefits to provide insurance on the rental car during my vacation. I put my life into their hands.
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. 

List of Unauthorized Inquiries : XXXX XXXX XXXX - XXXX XXXX  - XXXX XXXX XXXX XXXX - XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX  - XXXX XXXX  XXXX - XXXX XXXX - XXXX XXXX  - XXXX XXXX  XXXX XXXX  - XXXX XXXX  - XXXX XXXX XXXX - XXXX XXXXXXXX XXXX - XXXX XXXX  - XXXX XXXX  - XXXX 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: Checking or savings account

USBank is providing misleading information on their Certificate of Deposit ( CD ) Renewal Letters. In an XX/XX/2024 letter, I was informed that I may choose from three options for a CD renewal within the 15-day grace period. 

Option 1 stated for Automatic renewal : If I choose this option, then no action is required, and I will receive the interest rate and APY that are in effect on the maturity date as of XX/XX/2024. This APY may be different than the current rate. 

However, upon going online to renew the CD, I found that an automatic renewal had taken place on XX/XX/2024, for an 11-month maturity, with an APY of 0.05 %. The only way to get a 4.90 %, 4.85 %, or 4.75 % APY, which I presume would be the current APYs at the time of maturity would be if I actually took action to request one of these higher rates! 

If I had taken no action, the bank would have changed the APY to 0.05 %, which is NOT one of the much higher current APYs being offered on line. 

USBanks renewal letter is misleading when it states that by taking no action and accepting an automatic renewal, I can obtain a current rate/APY. The bank assigned a 0.05 % APY, which is well below the 4.75 % I obtained by going online and taking action. 

Please look into this matter to ensure that USBank updates the wording of their renewal letters, so that bank customers are no longer misled into believing that no action required will result in a true current interest rate/APY at the maturity of their CD. How many customers have already been negatively affected by their inactions, causing them to lose substantial interest income?