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

InIn accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 



Account Name : // Account # XXXX  XXXX XXXX  XXXX Account Name : // Account # XXXX XXXX  XXXX Account Name : // Account # XXXX XXXX  XXXX XXXX XXXX Account Name : // Account # XXXX XXXX XXXX user social XXXX Account Name : //Account # XXXX XXXX XXXX  XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX Account Name : //Account # XXXX XXXX user social XXXX Account Name : //Account # XXXX XXXX XXXX XXXX Account Name : //Account # XXXX  Credit XXXX Account Name : //Account # XXXX XXXX XXXX Account Name : //Account # XXXX XXXX XXXX  XXXX XXXX Account Name : //Account # XXXX XXXX XXXXXXXX XXXX Account Name : //Account # XXXX/ XXXX XXXX XXXX Account Name XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX Account Name : //Account # XXXX XXXX  XXXX XXXX Account Name : //Account # XXXX XXXXXXXX XXXX XXXXXXXX Account Name : //Account # XXXX  XXXX n/a XXXX Account Name : //Account # XXXX XXXX XXXX XXXX Account Name : //Account # XXXX XXXX XXXX XXXX XXXX  XXXX Account Name : //Account # XXXX  XXXX XXXX XXXX XXXXXXXX Account Name : //Account # XXXX XXXX XXXX XXXX XXXX Account Name : //Account # XXXXXXXX XXXX XXXX XXXXXXXX Account Name : //Account # Credit XXXX XXXX XXXX XXXXXXXX Account Name : //Account # XXXX XXXX XXXX XXXXXXXX XXXX  XXXX Account Name : XXXXAccount # XXXX XXXX XXXXXXXX XXXX XXXXXXXX Account Name : //Account # XXXX XXXX XXXX  XXXX Account Name : //Account # XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Account Name : //Account # XXXX XXXXXXXX XXXX XXXX XXXXXXXX Account Name : //Account # XXXX XXXX XXXX XXXXXXXX Account Name : //Account # XXXX XXXX XXXXXXXX XXXX XXXXXXXX Account Name : //Account # XXXX XXXX XXXX XXXX XXXX XXXX All Acccounts Have Violated My Rights 15 U.S.C . 1681 section 602 A. States : I have a right to privacy.

15 U.S.C. 1681 section 604 A section 2. States : A Consumer Reporting Agent can not furnish an account without my written instructions.

15 U.S.C. 1681c. ( a ) ( 5 ) States : No Consumer Reporting Agent may make any Consumer Report containing any of the following items of records of information, any other adverse information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681's-2 ( A ) ( 1 ) States : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reason to believe that the information ins inaccurate.
Product: Credit reporting or other personal consumer reports

I am consumer by law and feel taken advantage of. There is inaccurate information still being reported by this company. They are disregarding the law and I can not handle the stress they are causing me anymore.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, This Is my Third written request for Method of Verification. You company has failed to provide me with this information and continue to violate my consumer and civil rights. I have been maintaining accurate logs of my letters and will file a complaint with the CFPB.

These Unverified accounts continue to hinder my ability to obtain credit. Please provide me with the information below : I demand the following Unverified Accounts be provided Physical Verification or Deleted Immediately. Please Provide Method Of Verification. 
The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? 
Who verified these accounts? Describe the procedure used and method to determine the accuracy and completeness of the disputed information, including the business name, address and furnisher of information connected to any in accurate information. 
You need to do a reasonable investigation in compliance with FCRA section 611 part ( b ) sub sections below. 
As per the FCRA : ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I have been keeping detailed records of each letter with certified US Mail tracking in case needed to pursue further legal action. 

I demand the following accounts be verified or removed immediately. 
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, credit repair services, or other personal consumer reports

I AM THE PERSON MAKING THIS COMPLAINT NOT A THIRD PARTY BUT ME XXXX XXXX. PLEASE DO NOT CLOSE THIS COMPLAINT DOWN AS THIS IS MY FIRST COMPLAINT IVE MADE TO YOU. So I went to buy a house and they pulled my credit and i noticed a bunch of accounts that do not belong to me so i sent in an ftc report and a letter to the credit reporting agencies and they havent done anything and its been months.
Product: Credit reporting, credit repair services, or other personal consumer reports

I purchased a XXXX XXXX XXXX XXXX XXXX from a car dealership and financed it with Westlake Financial in XX/XX/XXXX. The term is 48 months. I have a hard time understanding how I'm getting late payment on my report and my insurance company XXXX wrote this company a XXXX dollar check. However, I was responsible for XXXX. I had gap insurance but the company they dealt with only paid XXXX dollars. My complaint is : a company should not put inaccurate information on a person credit report. My term is 48 months and I'm not behind on my payments, I have several years to pay this loan.
Product: Money transfer, virtual currency, or money service

I was a victim of fraud and employment scam. I was sent an illegitimate check to cash and then transfer the funds to another account for an organization that was " Aiding the less fortunate ''. There were no warnings from Zelle. Before the check bounced the money was gone and I was out {$2000.00} and unemployed. I contacted XXXX and received {$10.00}, as compensation..my insurance company wouldn't help because it wasn't technically a " theft '' but I consider this a theft as well as the police. I filed a police claim and provided them the names and information and took this back to insurance who still said they could do nothing. This theft took place XX/XX/year>.
Product: Credit reporting, credit repair services, or other personal consumer reports

THESE ACCOUNTS DO NOT BELONG TO ME XXXX Account number XXXX Open/closed Closed Date opened XX/XX/2020 balance XXXX
Product: Credit reporting or other personal consumer reports

The Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' Equifax and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' XXXX XXXX is a financial institution by definition under that title. 

15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' XXXX XXXX, Equifax and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to Equifax, XXXX, and XXXX XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. 

15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' XXXX XXXX never informed me of my right to exercise my nondisclosure option. 

Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 

15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. Equifax and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services. 

XXXX XXXX  Acct XXXX XXXX
Product: Payday loan, title loan, personal loan, or advance loan

Im enforcing my basic consumer rights to be informed. The right to redress. The right to service the right to choose. Also Im enforcing my consumer responsibilitys. Right to safety. On XX/XX/year> I applied for a line of credit with an application. Which is a consumer credit transaction. With pnc XXXX bank. I was denied. Regardless of the reason being denied. I have the right to credit. Withholding my access to my securities is security fraud. You are violating the equal credit opportunity act. And consumer protection credit act. Since you are denying me my credit. Please retract my application. Thank you. XXXX XXXX agent to XXXX XXXX XXXX
Product: Student loan

Premier Student Loan Center approached me in XX/XX/XXXX. They offered services to prepare and submit the documents for my student loan forgiveness programs. As a third party company they would receive my payments, take a fee, and applying said payments to my loan servicer. I accepted the offered services, signed a contract, and began making payments. I was supposed to be signed up for the following forgiveness programs : Income Drive Repayment Plan and Public Service Forgiveness. However, 17 months later I am finding out that they never submitted my Public Service Forgiveness application that I sent to them, causing me to lose the years of service that should have been applied toward my loan forgiveness. The requirements of this program are 120 payments. I started paying this company on XX/XX/XXXX, however, the company that actually services the loan, XXXX XXXX, has no records of payments until XX/XX/XXXX. The first records of {$0.00} payments are on XX/XX/XXXX according to Department of Education. Not only did the Premier Student Loan Center not report any type of records stating I was making payments for 6 months ( XXXX ), but also they have take 17 payments that will not go toward my public service. That is 17 months of service lost. I have now been enlightened by XXXX XXXX that my payments to them were {$0.00} payments, due to the Income Driven Repayment Plan, allowing the Premier Student Loan Servicing to pocket every penny of every payment and not do anything toward the actual forgiveness of my loan over the 120 payments as promised and signed in my contract. When I was approached by this company the only program I wanted was the Public Service Program which they failed to submit. This company claims that they are a document preparation company and the contract states " 2. Performance of Services. Upon receipt of all information from Client, Company shall promptly analyze Clients situation, review the information provided by the Client, and complete the application forms required for the DOE program ( s ) that have been selected by the Client. Company shall prepare for filing an application to initiate a federal student loan consolidation through the DOE on behalf of Client, or alternatively and at the Clients option, identify and apply for other DOE-sponsored programs suitable for Client. All completed applications shall be delivered by Company to Client for Clients approval,  signature and direct submission to DOE. '' However they completely failed to do what they contractually promised on top of extorting my payments. 

Payments are listed below : XX/XX/XXXX {$230.00} XX/XX/XXXX {$230.00} XX/XX/XXXX {$230.00} XX/XX/XXXX {$230.00} XX/XX/XXXX {$230.00} XX/XX/XXXX {$40.00} XX/XX/XXXX {$40.00} XX/XX/XXXX {$40.00} XX/XX/XXXX {$40.00} XX/XX/XXXX {$40.00} XX/XX/XXXX {$40.00} XX/XX/XXXX {$40.00} XX/XX/XXXX {$40.00} XX/XX/XXXX {$40.00} XX/XX/XXXX {$40.00} XX/XX/XXXX {$40.00} XX/XX/XXXX {$40.00} Totaling : {$1600.00}
Product: Debt collection

I received a letter from Cedar Financial in California requesting that I pay XXXX. In the return address of the letter was a number in the body of the letter was a contact number with a different area code. When I attempted to call both numbers the numbers were disconnected. The alledged Cedar Financial also included a bill with no date and a recent address, but they listed the debt as XXXX using an address where I lived in XXXX. They also did not include any names instead they signed it as the collection department. 
They included an alledged agreement to pay that did not include my signature, a date, a phone number etc. 
Over the past four months I had been disputing this debt with XXXX and they keep extending the dispute for 45 days. Each time they are redating the debt. 
I forwarded this information to XXXX along with documentation of my identity, passport pages verifying that I was not in the alledged city used as the billing address, I sent them copies of my drivers license and I received a letter stating " We have reviewed the documentation you provided with your dispute, but have determined that we are not able to use it to make changes or deletions you requested, We are contacting the furnisher of the information or the vendor who collected the information froma public record source. When we complete our processing of your dispute, which may take up to to 30 days ( or up to 45 days for a dispute of information in an annual free credit report ) we will send you the results. 
This letter is dated XXXX XXXX, XXXX from XXXX XXXX XXXX XXXX XXXX XXXX Tx XXXX XXXX stated in a previous communication of XXXX XXXX that the furnisher of the information Cedar Financial had verified the debt by matching addresses. The address could not have been a match the debt is listed as XXXX and I did not move to the address listed until XXXX. 
I also forwarded to them proof that since XXXX several persons have been scammed by Cedar Financial. 
XXXX has been very stuborn in removing the erroneous debt when I have verified that they have continued to report fraudulent information. They have never furnished me with, any proof of how they obtained this debt .I began disputing this item in XXXX XXXX and they continue to carry the debt and reage it. 
Please help protect consumers like myself from XXXX bad and ilegal consumer debt reporting practice. 

Kind regards, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing with the utmost urgency to demand immediate action regarding the fraudulent accounts and erroneous information unlawfully reported on my credit file. As a victim of identity theft, it is imperative that this situation is promptly rectified. I insist that you take the following actions forthwith : Expunge all fraudulent accounts from my credit report.

Provide written confirmation that these items have been removed.

Conduct a comprehensive investigation into how these accounts were erroneously reported.

Ensure that all future credit reports reflect accurate information and are devoid of any fraudulent activity. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Jared Galleria of Jewelr y has been repeatly calling me. I receiv ed 5 calls in 15 minutes I spoke with someone 3 times and informed them that I had just spoke with someone.   This happened Thursday   XXXX   XXXX   between   XXXX   XXXX   -  XXXX   XXXX   cen tral standard time.
Product: Credit reporting or other personal consumer reports

XX/XX/2023 after reviewing my credit report I noticed my personal information incorrect. Specifically my name, address, phone number and the last 4 of my social security number.

I requested that they correct the information by deleting and updating my name, current address, delete previous incorrect addresses and update the last four of my social.

Also, it appears several of the accounts on my credit report do not belong to me and should be deleted as well. The accounts are not related to my social security number, as the number listed on my credit report is incorrect.

I submitted proof of my identity, but they didn't make the necessary corrections.
Product: Money transfer, virtual currency, or money service

I was given a check from a friend for {$85.00} drawn on her Chase checking account. I went to cash it at the JP Morgan Chase Bank ( Branch XXXX ) and used the drive through window at XXXX XXXX on XXXX XXXX, 2017. The transaction took far longer than I expected, and when I asked the teller, XXXX, what the delay was for, she said they were verifying the funds availability. I was then given a sealed envelope with my cash and ID and I opened the envelope about 1/2 hour later. To my dismay I found they had assessed an {$8.00} fee which is almost 10 % of the total amount of the check. Not once did the teller inform me that they were assessing any fee, much less {$8.00} for a check drawn on their bank. I returned to the bank the next morning, as they were closed by the time I discovered this fee. I spoke with XXXX XXXX XXXX at XXXX XXXX on XXXX XXXX, 2017, less than 16 hours  and less the 1 business hour from the time the transaction was completed. I was told that they could not do anything about it because it was completed the day before. They claim they had to charge the fee since I did not have an account with them. My complaint is twofold : They did not tell me they were charging a fee at all and the fee they charged was excessive. I would like a refund of {$8.00} since the check was drawn on that bank.
Product: Mortgage

Citimortgage increased my mortgage payment by {$210.00} per MONTH which Citimortgage stated started XXXX XXXX, XXXX. I did NOT receive any notification from Citimortgage that my mortgage had increased by {$210.00} per month. My XXXX and XXXX payments were made through my bank. My payments were sent and received by Citimortgage ONTIME, but as Citimortgage is legally allowed to do Citimortgage did NOT apply the payments, but declared me in default of my mortgage. 

Normally Citimortgage notifies me two full months in advance with a legal sized colorful form explaining any increase or decrease. The first I learned of the increase was when I received my credit report, and noticed that a Lien was placed on my property for {$220.00}. I called Citimortgage to see if they had placed the lien. Citimortgage said they had not, but informed me that my payment was late. I was shocked as all my payments are scheduled by me to be paid directly to CitiMortgage from my checking account, and the money had already been taken from my checking account. 

I was further informed by Citimortgage that the outrageous increase was because both my property taxes and my house insurance had increased. I called the XXXX XXXX XXXX office and was informed that my XXXX taxes for the year was XXXX, and that my XXXX taxes for the year was REDUCED to XXXX. This is a decrease of {$5.00}. I called XXXX. I was informed that my house insurance for XXXX was XXXX. As of XXXX XXXX there was an increase XXXX, a difference of XXXX, per yr or XXXX a month, NOT {$210.00} per month. 

Citimortgage sent me a refund of over {$500.00} about three years ago. I thought there was a law against banks OVERCHARGING customers and then sending a large refund. This was an interest free loan. Citimortgage has never given me anything free. To date Citimortgage has NOT sent me a formal written explanation for the MONTHLY increase. This is a scam. Please help me resolve this with Citimortgage. 

My mailing address is XXXX XXXX XXXX, XXXX XXXX, XXXX, NY XXXX. The XXXX XXXX was notified the end of XXXX or the beginning of XXXX. I was NEVER lost from Citimortgage. I have called Citimortgage three times concerning this. The Home is located in Ga, XXXX XXXX XXXX, XXXX. The loan number is XXXX. I am a XXXX yearly female Veteran. 
Thank you for helping meSincerely, XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concern regarding the Zell handling of the dispute particularly in light of the recent PFB lawsuit highlighting significant issues with the platform dispute using cell numerous times and reporting discrepancies my financial institution and cell failed to investigate my claims adequately they informed me that recovery lost funds was impossible and that tracking these transactions was unfeasible. The CFPB findings indicate that Zell has not only neglected to protect customers but also allow repeat offenders to exploit the system leaving uses vulnerable to scams the lack of accountability and transparency is unacceptable and raises a concern about customer safety.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  account name XXXX XXXX XXXX XXXX account number XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C Section 604 A Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instruction.
Product: Credit card or prepaid card

I requested from XXXX that they reverse the late fees and interest charges for my credit card payment that was paid in full but slightly late. The late payment was due to issues related to XXXX. I thought that XXXX would be reasonable and work with me to help find a solution but they denied the request with no further consideration.