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

To whom it may concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX # XXXX XXXX, IL XXXX Please update my name to XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XX/XX/XXXX {$1400.00} XXXX XXXX XXXX XXXXXX/XX/XXXX {$400.00} XXXX XXXX XXXX XXXX XXXX {$650.00} XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$970.00} XXXX XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXXXX/XX/XXXX {$2000.00}
Product: Checking or savings account

I attempted to login to my savings account with Marcus Goldman Sachs on Monday, XX/XX/XXXX and discovered the account was locked. When I called to get the account unlocked, I learned that my account had been closed and they were unable to tell me why. The customer service representative suggested I read the possible reasons on the Marcus website FAQ, but none of those reasons apply. I was also unable to confirm my balance at the time of closing, which is concerning because the customer service person mentioned there had been several failed attempts to access my account. I was not provided any timeline for when I would receive my money, just told to " check the mail ''. My balance as of a few days ago was {$30000.00}, this is not an amount of money that I can just hope arrives safely in the mail.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am reporting a fraudulent inquiry on my credit report from XXXX. Inquiry date XX/XX/2023 I am requested this inquiry be removed from my credit file because it is a fraudulent inquiry not made by me. I have already filed a dispute with Experian as well as contacted XXXX  but they said there was nothing in their system.
Product: Credit reporting or other personal consumer reports

( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-Provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers or dispute outcome.These failures align with my experience, where Experian has neither correct nor removed dispute items despite the evidence I provided causing on going harm to my credit standing I am required immediate correction action to remove or amend the disputed account as Experian inaction violates federal law and my rights as a customer this is my fifth time request regarding the fraudulent account that continues to appear on my credit report.i am deeply troubled as these accounts were previously removed,
Product: Checking or savings account

OnXX/XX/XXXX I noticed an unrecognized charge of {$9500.00} on my Huntington Bank debit card made at XXXX. I immediately called Huntington Bank customer service that same day and was issued a new debit card and was told they would refund my money back, days later I received the debit card but the money still was not credited back to my account. I then proceeded to contact Huntington Bank on XX/XX/XXXXand was told it would take up to 10  business days to have the money refunded. It is now been more than 10 business days and I have not received the money that was stolen from me.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB Lawsuit 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 transactions was infeasible. The CFPB 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 raises serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

TO BOTH EQUIFAX AND XXXX I HAVE BEEN DISPUTING THIS ISSUE WITH BOTH EQUIFAX AND XXXX SINCE 2020 ... YOU ARE NOT A CREDIT BUREAU. You are buying and selling information which is against my individual right to privacy pursuant to 15 usc 1681 ( a ) ( 4 ) Infringed Upon a Consumers right to privacy 15 usc 1681b ( a ) ( 2 ) No Permissible purpose/ No written instruction NO further verification or investigation is required you broke multiple laws and i'm not going to take time out of my day to continuously repeat myself... YOU THE CFPB ( Consumer financial protection bureau ) needs to hold these agencies accountable Both EQUIFAX AND XXXX XXXX NOW. I will bring litigation in regards to this matter are it is very clear laws are being broken. 

DELETE THE FOLLOWING PUBLIC RECORD : XXXX  XXXX BANKRUPTCY - XXXX XXXX XXXX BANKRUPTCY - EQUIFAX these are clearly inaccurate and i've already previously disputed numerous times and have came back as verified by the BOTH of you. 

15 usc 1681b ( a ) ( 2 ) No Permissible purpose/ No written instruction or consent furthermore DELETE THE FOLLOWING 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
Product: Debt collection

About a week and a half ago I received a call from a number marked Private, the lady said she was from Rose and Associates and she was looking for my boyfriend to verify employment. I gave her his phone number. 
Today, Wednesday, XXXX XXXX, 2015 at XXXX XXXX I received another call from a number marked Private from a lady claiming she was from Rose and Associates, again asking for my boyfriend. She gave me a return number of XXXX so I called it from my work phone and told her to take my number off of his name. She would n't give me any information about what the call was regarding other than " employment verification ''. I told her I thought it was illegal for collectors to mark their calls " private '' and she said it was not.
Product: Debt collection

Back in XXXX, when I was still in college, a letter was sent to my mother 's home address stating a company named LNV Funding had been had been awarded a civil suit against me in XXXX County Court, Indiana, on the grounds that I did not appear. I was never informed of any court date, was not living in XXXX County, Indiana, and to this date have no idea who LVNV Funding is, or why they think it is I owe them money. As such, I have not paid them. In this foul year of our lord XXXX, thirteen years later, I am now being harassed by XXXX XXXX XXXX, a law firm known for their unscrupulous behavior and slimy tactics. They have been doing so for a year now, and continue to send me letters inferring that they are filing a civil suit against me in my local county for a time-barred debt. They 've even gone so far as to provide fake XXXX County case numbers that do not exist in the XXXX XXXX XXXX records search. This is clearly against my rights under the FDCPA. Judging by the numerous complaints about this so-called legal firm, this is n't the first time they have done this. By providing fake civil suit numbers and feigning threat of a lawsuit, XXXX XXXX XXXX is bullying it 's victims by preimptively awarding itself " judgement '' ( they use that word frequently ) a priori. They falsely represent themselves as an authority of the court by invoking the County 's name throughout their letters.
Product: Student loan

I had a loan payment on XX/XX/24 for {$250.00}. The money came out of my bank account XX/XX/24. The website updated my accounts but stated inly {$150.00} was paid and updated loans 1 and 2 only. Loans 4 is missing the {$75.00} dollar payment and loan 5 is missing a XXXX dollar payment. I did contact the company on XX/XX/24 via live chat. They told me to wait a few days to update my balance. This is the last payment for the 120 days where the amount would go straight to the principal of loan 5. So now Im collecting interest in an inaccurate amount.

Balance is still not corrected. On XX/XX/24 another payment of {$250.00} was paid with the amount coming out on XX/XX/24. All balances were updated for that payment. The {$100.00} dollar payment from the XX/XX/24 payment has yet to be reflected.
Product: Debt collection

Hello so the original amount of the debt is for {$870.00} and the collection agency is saying I owe XXXX for interest fees on an old debt, the original case was opened XX/XX/2013. I was served papers last night from the collection agency and have not heard anything about the debt prior to being served.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX, to remove these items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included this in my previous complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX ; XXXX XXXX XXXX XXXX Balance : {$19000.00} ; XXXX XXXX Original creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX  XXXX  Original creditor XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX Inquired XXXX XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX ; XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX ; XXXX  XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX ; XXXX & XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX  Inquired on XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX
Product: Mortgage

SP Servicing, I am starting to get threats from you again about foreclosure on my home. I can not see why I should be still paying for a loan of {$25000.00} since XXXX. My home was paid for. But I decided to borrow this money to start my own business.This loan was not suppose to be a mortgage on my home, but a personal signature loan.As of I have been chasing this loan for 20 years. Each time this loan changes banks the amount stays the same. I never got a balance of the account because it never moved from the original amount on the statement of {$34000.00}. Now it still sits at {$35000.00}. This is unfair to me as a consumer. It has messed up my credit and I have this hanging over my head daily. Stressed. I am now XXXX years old living on a fixed income of {$700.00} a month, XXXX with a severe XXXX XXXX XXXX in my back. You accepted this loan from XXXX XXXX  and they got it from XXXX XXXX, who got it from XXXX XXXX and others. All total before you got this mortgage I have paid ( including bankruptcy in XXXX house only ) XXXX for this loan and it is still on going. I need the original deed to my property from the start of this loan. Can you provide me with the original loan contract where the transaction occurred? I feel that I have paid enough money on this house and on that loan.Now, you have people coming by my house taking pictures I should have finished paying this loan years ago before you got it. This loan was originally meant for 7 years repayment, and went from there to 20 years long.I do not owe any more money on this property. I am seeking legal assistance to battle this issue for me in my defense. When the bank crashed in XXXX I was put in a 30 year repayment plan to XXXX without my knowledge. When I asked why I was paying for this mortgage for so long XXXX said that I was repaying a {$120000.00} mortgage on my property. XXXX sold it to you and now I suppose to be paying you {$35.00}, XXXX.to this day. I know that I have been a victim of a predatory loan situation because of the multiple moving of the bank mortgage. I am aware that mortgages are transferred or sold to different banks during the length of the loan until it is paid off However, I have never reached the end of this loan yet. It is a shame for poor people to be treated this way by banks and other financial businesses. I need for this to be resolved and be allowed to stay in my home free from harassment. I don not owe any more money for this house. Thank you.
Product: Checking or savings account

On XX/XX/2018, I opened this account using a promotional bonus offer of {$400.00} with specific requirements. I have met all the requirements and was not awarded the {$400.00} bonus as of today. I have contacted the bank multiple times without resulting in any resolution.
Product: Credit reporting or other personal consumer reports

I am extremely frustrated with the credit reporting agencies responses, claiming the investigation of these accounts returned as verified. My credit report continues to contain multiple inaccuracies. 

Under 15 U.S.C 1681i ( 7 ) Method of Verification, I am entitled to understand the verification process your agency conducted. I demand a detailed account of every step taken to ensure the accuracy of these disputed items. 

Despite these investigations, my credit report still reflects discrepancies. Rectify these errors promptly and provide the documentation I am entitled to under the law.
Product: Mortgage

I received notices the past 2 year that my property taxes were not paid. I have an escrow my property taxes are to be paid out of. I called, faxed, and mailed the notices each time I received them and was assured by representatives my property taxes would be paid. My tax return shows property taxes paid from the lender but I received a tax lien notice of unpaid property taxes today that my property would be sold in 60 days if not resolved. I plan on paying the amount because I do not want to lose my house but I do not trust my lender to pay my property taxes now.
Product: Debt collection

Copper state financial filed lawsuits against me for debts and amounts I have never owed to them. I have been going back and forth with them  since 2011. The information has been removed from my credit report because they are unable to show proof of my debt. They did however get a default judgement since I was unaware of a court date. The debt is false they just keep sending a paper with my signature that I signed after a debt collector told me if I did n't sign it I would be placed under arrest for theft. This paper was signed a year after the company claimed I owed them money, no original paper work has ever been provided with my name or signature. I was truly afraid I was going to jail and had 4-5 calls a day threatening m e.
Product: Credit reporting, credit repair services, or other personal consumer reports

ACCOUNTS Settled and paid in Full or to Agreed amount : XXXX XXXX : {$1800.00} - XXXX : {$17.00} XXXX : {$160.00} XXXX : {$970.00} XXXX : {$2000.00} XXXX XXXX  XXXX XXXX {$1100.00} XXXX XXXX XXXX XXXX {$5000.00} XXXX  XXXX : {$700.00} XXXX  XXXX : {$1000.00} XXXX  XXXX : {$1500.00} XXXX XXXX XXXX {$23000.00} XXXX : {$420.00} XXXX : {$3100.00} XXXX  : {$2900.00} XXXX : {$430.00} I filed for Bankruptcy in XX/XX/XXXX. The XXXX was dismissed in XX/XX/XXXX. These accounts are in some cases over 7 years old and at least 5 years old. I have filed multiple disputes with all of the credit agencies- XXXX, Experion and XXXX. Many account still show on my credit report as Collections/Deliquent or Part due. I have a payment agreement with XXXX XXXX - third party. I have paid XXXX and XXXX off fully. The other accounts were settled for lesser amounts. I would like my credit report to reflect the fact that I have been in XXXX for 5 years in which many of the accounts were paid. The way it reflects now is impacting my ability to buy a house. I need to have these removed or at least updated to show as paid - not Collection or Deliquent or even Past Due.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of an unauthorized credit inquiry from my credit report. I am a victim of a recent data breach, and under 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I request that the inquiry be blocked and deleted from my credit report. 
Unauthorized Inquiry XXXX XX/XX/scrub>XXXX XXXX XXXX XXXX
Product: Debt collection

I recently viewed my credit reports and the company Portfolio Recovery has been reporting and also trying to collect funds on a old account where XXXX XXXX is the original creditor. The first amount is for {$4400.00} and the second amount is for {$810.00} Portfolio Recovery Associates is not licensed to collect in Florida according to the Florida Office of Financial Regulation. So therefore any collection efforts should cease and any collections reported on any of my credit reports should be removed.
Product: Credit reporting or other personal consumer reports

I pulled my credit report and noticed some fraudulent accounts in my name. I don't know how they got their but I was told file an FTC Report and submit to the credit bureaus and it will be removed.
Product: Credit reporting or other personal consumer reports

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

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

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

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

I lived at XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX back in XX/XX/XXXXAnd now Equifax, XXXX XXXX and XXXX has been reporting over 10 different apartments for XXXX XXXX XXXX XXXX. I dont understand how this is possible. Thats not my signature or my charges please delete this stuff. I had no contract with talise.
Product: Debt collection

I exercised my right as a consumer and Capital One has done an adverse action because I exercised my right as a consumer, see attached document. Capital One is in violation with this letter sent on XX/XX/2022 pursuant to 15 U.S. Code 1692d ( 2 ) The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader. They are scaring me with threats to pay by a date that is unrealistic. I am aware, collection activity includes furnishing any information on this subject matter to any consumer reports. There should be no publication or advertising of any kind until a dispute is resolved pursuant to 15 U.S. Code 1666a ( a ). I am aware that billing errors are also defined pursuant to 12 CFR 1026.13 ( a ) ( 1 ) a reflection on or with a periodic statement/remittance/dividend of an extension of credit that is not made to the consumer. Pursuant to 12 CFR 1026.13 ( a ) ( 4 ) A reflection on a periodic statement of the creditors failure to credit properly other credits issued to the consumers account. Pursuant to 12 CFR 1026.13 ( a ) ( 5 ) a reflection on a periodic statement of the creditors failure to credit properly other credits issued to the consumers account. Pursuant to 12 CFR 1026.13 ( a ) ( XXXX ) A reflection on a periodic statement of an extension of credit for which the consumer requests additional clarification, including documentary evidence. I demand that you do not terminate or close my account due to me exercising my rights in good faith pursuant to 15 U.S.Code 1691 ( a ) ( 3 ). Such an act of closing my account without my authority will be proof Capital One acted without care, good faith, and has indeed performed illegal activity.
Product: Credit reporting or other personal consumer reports

I am writting this because i keep sending in a complaint about a collection agency continues to send me a credit card statement withh a XXXX XXXX letter headletter stating they bought a debt from a company but still has not yet to show me proof that i owe them any money nor did we make and agreement or my signature saying i owe them. They continue to alse violate my consumer rights by reporting fraudulate information on my credit report along with the origianl creditor reporting inaccurate misleading information about and account. I demanded a Cease and Desist lettet to them but they continue to violate my order and also provided me real proof that i owe them anythign. I want this company XXXX XXXX XXXX to be removed immediately from my credit file which has already been removed but the creit bureause keep reinserting the account back on my credit file without my permission or consent. this information is continuing to damage my credit and my personal life which I demaand compensation for.
Product: Debt collection

I contacted the credit collection company, Fidelity Creditors in XXXX CA and talked to " XXXX ", after I faxed and mailed them the Federal laws that state I am " Exempt " from levy's and garnishments and court orders under Title 38-Veterans Benefits Part IV Chapter 52 Special Provisions relating to benefits  section 5301 A,B,C,D, and they laugh at me and tell me the will get the money and that I am making it up, that I am not exempt and there is no such law(s) and they will ruin my credit until I pay. I told them to stop all collection procedures because they are ruining my credit for a non-collectible debt. They said, So what ". It will be on your credit until you pay and they do not honor made up laws.
Product: Vehicle loan or lease

The NAVY FEDERAL requested a car lien document. I gave them the said document in XXXX, yet they are still charging me {$160.00} extra for the auto loan. They even went further to charge me {$15.00} for documentation, yet the said financial anomaly is still going on. They did not refund the previous illegal fees, and they also have not stopped charging me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax SEE ATTACHED XX/XX/2022 and on going dispute XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ( Public Record ) Again registered letter over 30 days ago submitted legal documentation PROVING responses/verified a lye of error requesting immediate removal damages have been done to higher court these in question do not meet the reporting act