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

I have ask for several accounts to be taken off of my credit report due to incorrect information as well as accounts that did not belong to me. 
Instead the accounts were sold to collection companies without proper verification
Product: Credit reporting, credit repair services, or other personal consumer reports

I kindly urge you to remove this inaccurate account from my credit report, as it does not belong to me and I did not provide authorization for its existence. I have taken the liberty of providing you with the necessary documents to substantiate my claim.
Product: Credit reporting or other personal consumer reports

I submitted this complaint to update this suspicious information. 3 Credit Bureaus must validate these accounts by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
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

XXXX XXXX XXXX # XXXX and # XXXX are reporting invalid lates to my accounts. I made these payments and the mortgage company misapplied it. They told me that they would be removing the lates but they have yet to take them off of my credit. This is a violation and I want these lates removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. 

XXXX XXXX {$650.00} XXXX  XXXX XXXX {$94.00} XXXX   XXXX {$960.00} XXXX  XXXX {$77.00} XXXX  XXXX {$3000.00} XXXX XXXX XXXX {$95.00} XXXX XXXX  XXXX {$190.00}
Product: Mortgage

we applied for a reverse mortgage through South River Mortgage, XXXX MD. After 2 appraisals which were close to each other although about 25 % below XXXX according to several realtors, we were provided an approval subject to several contingencies all of which were complied with within 10 days. Then, the process stopped and communication also stopped. We had complied completely and should have had immediate clearance to close. But then after around 5-7 days the Company arbitrarily lowered the appraised value with no grounds to do so and cut the proceeds we were to receive from approximately {$400000.00} to {$19000.00}. They completely changed the deal that they had agreed to and represented to us with no justification. Why bother to get an appraisal if they are just going to pull a number out of thin air? They fraudulently presented a loan approval at a certain amount subject to conditions we met and they affirmed, but then changed the deal at the 11th hour. We were forced to accept the revised loan due to the fact there was no alternative. They owe us the additional funds they did not provide at a minimum.
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 the recent CFPB lawsuit highlighting the 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 transactions was unfeasible. The CFPB 's findings indicate that Zelle has neglected to protect consumers and allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This unacceptable lack of accountability and transparency raises serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear CFPB, On XX/XX/2023 Midland Credit Management INC / acct : # XXXX FALSELY updated this account to incorrectly report Paid Collection to my XXXX Report. 

I am requesting a reinvestigation of Midland Credit Management INC / acct : # XXXX Because This account is NOW Knowingly Falsely reporting : Remarks : - PAID COLLECTION- On my XXXX REPORT ( ONLY ). 
This is COMPLETELY INACCURATE, AND FALSE because I have NEVER paid this company or this account, nor have I EVER had ANY, scheduled payment arrangements with this company, which would mean there is no way possible for this account to be a PAID COLLECTION. 

Furthermore MIDLAND CREDIT MANAGEMENT INC ACCT : # XXXX is reporting a DIFFERENT BALANCE for the same account to the other 2 CRAs : XXXX XXXX {$0.00} on ( XX/XX/2023 ) XXXX XXXX {$640.00} on ( XX/XX/2023 ) XXXX XXXX {$640.00} on ( XXXX XXXX ) If this account was accurately being reported on XX/XX/2023 to XXXX as a Paid Collection, then on XX/XX/2023 it should have been reported the same way to XXXX, and XXXX. 

This is Willful Negligence and it is a FCRA Violation for a debt collector to use any false representation or deceptive means to collect or attempt to collect any debt.

According to 1006.18 ( False, deceptive, or misleading ) this includes : ( i ) The character, amount, or legal status of any debt.
Product: Credit card or prepaid card

On XX/XX/2020, I have made a payment to my credit card by cash for the amount of XXXX USD. Before making this cash payment of XXXX USD, I was explicitly told by the HSBC branch employee that my payment will show as an available credit on the next business day ; however, this was not the case. Historically, there was a payment of XXXX USD that was returned to the original source per my request which triggered an account review of my credit card ; however, per my phone conversation with the HSBC employee, the restriction was placed on the XXXX USD amount which was made by cash because the funds may get reversed again. I explained to the HSBC employee that, per my understanding, a cash payment can not be reversed but HSBC insisted that I must wait 10 business days even though the payment was made in-branch by cash. Attached is a receipt confirming the payment was made by cash. This payment was made by cash as I really would like to use HSBC 's 0 % APR promotion to transfer my balances over ; however, I am already over the 60 days period for this promotion and now because of this restriction the promotion period has ended and I am unable to transfer my balances using this promotion. I was planning on transferring my balances ; on XX/XX/XXXX, a day after I made the cash payment ; however, I was unable to do so because my account has been restricted.
Product: Credit reporting, credit repair services, 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. The accounts are listed in the evidence i have uploaded. 15 USC 1681 section 602 A States I have the right to privacy. 15 USC 1681 section 604 A Section 2. It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 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 USC 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. 

Please delete the accounts listed
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act this creditor has violated my rights. 

under 15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 section 604 a section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

under 15 USCS 1666b : a credit may not treat a payment on a credit card account under an open end consumer credit card plan as late for and purpose.
Product: Checking or savings account

I am a member of Chime, Managed by XXXX XXXX  XXXX FDIC # XXXX My account with all my life savings has been suspended without any resolution offered by the bank besides submitting my information. I have done what the requested and confirmed with me multiple times my account at the latest should be unlocked by XX/XX/2021 XXXX XXXX  EST. It is now past that date and I have called support multiple times and they say they can not contact the department that manages the institutions account suspensions. I am now left unable to pay my bills or provide money for payments as all my money deposited into the institution. I spoke with the following individuals : Employees : XXXX : Supervisor member services XXXX : Supervisor member services XXXX : Manager member services EID # : XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX  I filed Bankruptcy. I have notified TransUnion but they continue to report collection accounts that are included in this bankruptcy. I submitted a dispute XX/XX/XXXX  and also uploaded the bankruptcy court documents for them to verify. Yet they refuse to follow federal law on bankruptcy automatic stay and failing to update the balance to report the bankruptcy. They also stop you from trying to dispute it again since they only take the " Verified Information '' from the creditor. To sidestep the federal protection and blatant disregard for Bankruptcy court system in an illegal attempt to collect on debts that are included in Bankruptcy.
Product: Credit reporting or other personal consumer reports

The following account is not mine and I have no knowledge of this account : Account Name : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX
Product: Checking or savings account

I previously filed a complaint against TCF bank on the same issue that they are now being sued. My case number for CFPB is XXXX. My complaint has not been included with this lawsuit and I have not been contacted by TCF bank. The over draft fees that they charged me for an amount under XXXX was over {$400.00} in a matter of a few days. They say they mailed the OD information but it was hidden in the bank statement and was never referenced on the on line banking feature which I used frequently. Who would want to pay {$400.00} for a 20.00 charge? If I had known about the od changes I would have closed my account immediately rather than gifting them the extra funds,. 

My complaint was responded to by the bank by only saying saying, since the account is closed they can not refund my fees. I am asking that my complaint be revisited. 

thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

Was hospitalized for an extended period In late XX/XX/XXXX-XX/XX/XXXX due to auto accident. Former friend used some of my credit accounts without my consent or knowledge. Police report filed. He was convicted of theft. I was not held responsible by other creditors as it was through fraud and theft. I have resolved all issues with other creditors that were likewise defrauded. I have open and in good standing with XXXX XXXX to this day. The erroneous reporting concerns two old accounts I formerly had. I have contacted XXXX XXXX and the reporting agencies. XXXX XXXX long ago ceased any collection activity and issued me new accounts. But my credit report still shows these two negative accounts, much to my detriment.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX. 

1 ) Showing closed and still reporting on-time payments being made 2 ) Dates of first delinquency is incorrect- This should be 2015 3 ) This was reported as Fraud 7 years ago, I no longer have the report 4 ) This is in violation of Fair Reporting Act. -
Product: Mortgage

Loan was sold to Essex Mortgage for servicing according to notice received from XXXX XXXX. Essex has no records of my loan. I received email from XXXX XXXX  that my online account was set up. I have never heard of XXXX but somehow they have my loan now. I dont know who to make payments to
Product: Bank account or service

Tried to apply for a bank account with chase and was turned down because of an old paid balance of 50 something dollars find this action has affected my personal well being and want this issue resolved and an account open not just an access account but a regular checking account which i am entitled to.
Product: Credit reporting or other personal consumer reports

Unauthorized Inquires listed below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 b

elow has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 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: Bank account or service

My bank sent new debit card to my old address, somepne got it activated it and later on used it for purchases at different locations but mainly XXXX store where they took out my whole balance of XXXX dollars, i found out about that when i went to make a deposit at my bank, Teller told me to call fraud which I did, fraud made an investigation and they refunded me with only XXXX dollars and they said that other transactions occurred with my physical card present, i filed a police report online. 
I was shocked to know that my bank is not responsible about these charges since my card was stolen and was activated from different phone mumber as my bank has told me.. 
I tried to call the bank fraud person assigned to my case to follow up with her since I filed police report but she is not answering or calling me back. She gave me the last XXXX digits of the phone # used to activate my debit card and refused to give me the full number.
Product: Debt or credit management

I gave them several calls about hard inquiries on my credit also information about things that was closed out on my credit and each time I talk to the representative they said that it was gon na be removed and nothing was done when you go back in there the same things are showing up on my credit They respond to me was they can not remove those things the hard inquiry in all the accounts that was discharged.
Product: Credit reporting or other personal consumer reports

XXXX, said the disputes they received doesnt appear to be me that sent it. Although I given 3 pieces of identification and the dispute information to them. They have not followed 15 usc 1681 ( e ) I have submitted all proper documents.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm reporting 2 fraudulent accounts inwhich I have no knowledge of and they are being reported by the credit agencies. The following accounts are XXXX XXXX ( XX/XX/XXXX ) the orginal creditor I never had any accounts with.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XX/XX/XXXX Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. This section provides the right to request the deletion of information from a credit report as a result of trafficking. Per 605C - 2 In brief, section 605C provides that a consumer reporting agency may not furnish a consumer report containing any adverse item of information concerning a consumer that resulted from a severe form of trafficking in persons or sex trafficking if the consumer has provided trafficking documentation to the consumer.

The Bureau is adopting several amendments to Regulation V to implement new section 605C of the Fair Credit Reporting Act ( FCRA ) ,1 added by the National Defense Authorization Act for Fiscal Year 2022 ( 2022 NDAA ) .2 In brief, section 605C provides that a consumer reporting agency may not furnish a consumer report containing any adverse item of information concerning a consumer that resulted from a severe form of trafficking in persons or sex trafficking if the consumer has provided trafficking documentation to the consumer reporting agency.3 Under section 605C, the Bureau is required to issue implementing regulations within 180 days of the enactment of the 2022 NDAA . Section 605C is effective 30 days after the Bureau issues its final implementing regulations. 
BILLING CODE : 4810-AM-P BUREAU OF CONSUMER FINANCIAL PROTECTION 12 CFR Part 1022 [ Docket No. CFPB2022-0023 ] RIN 3170-AB12 Prohibition on Inclusion of Adverse Information in Consumer Reporting in Cases of Human Trafficking ( Regulation V )
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this letter to bring to your attention the presence of Inaccurate and Incomplete information on my Credit Report, which was recently discovered while I was in the process of applying for New Employment which can be considered an adverse action. 

I have obtained a copy of my credit report and found several items that are not correct, and I am concerned that these inaccuracies have adversely impacted my ability to obtain employment at this time. 

I have been advised by a legal acquaintance that these inaccuracies can be considered an adverse action under 15 U.S. Code 1681a, specifically section 603 ( k ) ( b ) ( ii ). As such, I kindly request the immediate correction and updating of the following accounts on my credit report : Inaccurate and incomplete Information : 1. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Please remove it from my credit report. 

2. 15 U.S. CODE 1681O - CIVIL LIABILITY FOR NEGLIGENT NONCOMPLIANCE XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. 

3. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX Account Number : XXXX Delete From My CREDIT REPORT 4. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account Number : XXXX Delete From My CREDIT REPORT 5. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX Account Number : XXXX Delete this account. 

6. 15 U.S. CODE 1681O - CIVIL LIABILITY FOR NEGLIGENT NONCOMPLIANCE XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

7. 15 U.S. CODE 1681O - CIVIL LIABILITY FOR NEGLIGENT NONCOMPLIANCE XXXX XXXX  Account Number : XXXX Delete From My CREDIT REPORT
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is about a company called XXXX XXXX I begin a loan with them back in XX/XX/XXXX and paid faithfully up until present time. However on XX/XX/XXXX I was in a car accident which was a total loss. I called the XXXX XXXX  people and asked if I could Not pay the XX/XX/XXXX payment since they would be receiving a insurance payout they said that was fine. However now they claim that they did not say that. On XX/XX/XXXX we entered into an agreement for the remaining balance of the vehicle which is about {$6300.00} we agreed that I would pay {$300.00} on the first of each month going forward until the loan was paid off. they also said that if anytime during this time if I came up with {$2500.00} they would except that as a one time payment and clear the loan. The first {$300.00} payment was made on XX/XX/XXXX I have the canceled check the second {$300.00} payment was a little late but the check was cashed on the XXXX XXXX. It was around this time that I noticed they had reported me 30 and 60 days late on my credit report for XXXX and XXXX. I contacted them and asked why they did this and they told me that I had missed a payment in XXXX but I told them that they told me I could skip that payment since they were getting insurance payout and that they had agreed to that, they informed me at this time that they have no record of that. So I got a written letter from them stating that my payment was {$300.00} and would be {$300.00} going forward however they would not agree to backdate it to the original date we reached the agreement of XX/XX/XXXX they would only date it for XX/XX/XXXX Just another example of them being shady. When I asked them to please fix my credit reporting they said to me thats not their job. I submitted disputes to all three credit agencies but nothing has ever came of it. XXXX XXXX just tells themThats the information they have and my dispute is dead. They are the worst professional company I have ever dealt with. They act as if I made all this up after not having one missed payment in 2 and a half years. I also want to point out they where illegally charging me 23 % interest as a resident of Delaware when you can only charge someone 5 % above prime for used car loans in Delaware. I also want to point out that they have a website where you can look at your account information. I went on there and it says A bunch of inaccuracies. When I asked them about it they told me dont worry the website is always wrong. They still have the wrong payment amount on their as well.
Product: Debt collection

I 've never received any thing written or on paper concerning this debt, first of all. I knew I fell behind on payments, but did n't think it had been that long. I did n't know it had gone to collections until this guy started calling. When I did n't call him back, he has started calling my work place. He was hostile and demanding personal information like my social security number. I told him he is not allowed to call me at work, so he then called human resources to tell them to have me call him. My job is now at risk, and I could be fired if he continues to call, even though he has been asked not to.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to request an investigation of the following information that appears on my Equifax, XXXX and XXXX XXXX report : Dispute 1 Account NumberXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Dates associated with item being disputed : XX/XX/2017 Original Creditor : XXXX XXXX XXXX Collection Agency : XXXX XXXX Explanation of Inaccuracy : This item XXXX XXXX XXXX XXXX is inaccurate because the balance is incorrect. It was brought to the attention of both the original creditor and collection agency on numerous occasions. They seldom respond to requests to investigate. They have failed to provide evidence of the original contract. This is a clear violation of consumer rights outlined in FDCPA. 

Enclosures Copy of credit report E-mail correspondence from XXXX XXXX acknowledging the incorrect balance 4 different final statements from XXXX XXXX XXXX of cancellation of pre-move out inspections to confirm accurate bill Evidence of no response to inquiries made to XXXX ( the collection agency )
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my credit report I've noticed that Experian, XXXX and XXXX are reporting inaccurate information that is damaging my credit score. the following hard inquires on my credit report are inaccurate reporting XXXX  XXXX inquiry date XXXX, XXXX XXXX, XXXX XXXX  inquiry date XX/XX/XXXX and XXXX inquiry date XX/XX/XXXX.