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

On XXXX XXXX XXXX  I contacted Equifax Consumer Reporting because I was unable to access my credit report online. Upon speaking with the agent and resetting my password I received an error message that requested I contact Equifax and provide them with the code XXXX. Equifax system shows that my entire credit report was blank with no information being reported. The agent informed me that due to technical issues she was unable to assist me and that she was sending my request for immediate support and the issue should be resolved in 30 min to 24 hours. To date, Im still unable to retrieve my report or score and its impacting my ability to qualify for a mortgage loan
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. 

XXXX XXXX : XXXX, XXXX : XXXX, XXXX XXXX : XXXX, XXXXXXXX XXXX XXXXXXXX, has violated my rights. 

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

On ThursdayXX/XX/XXXX I had went to a car dealership that I wanted to buy a car from. I advised them that I only wanted my credit ran once being that I am in a process of buying a home. The man by the name of XXXX XXXX that works for XXXX XXXX XXXX advised me it will only be ran once. The very next morning that I woke I saw my credit was ran 6 times which is unfair to me as a consumer because I was never advised that my credit will be ran 6 times. I need to know what steps I need to take to correct this.
Product: Credit reporting or other personal consumer reports

I am writing to you as a concerned consumer regarding the accuracy and fairness of the information contained in my credit report. As you are aware, the Fair Credit Reporting Act ( FCRA ) ( 15 USC 1681 ), which was enacted to promote the accuracy, fairness, and privacy of information in the files of consumer reporting agencies, grants me certain rights to ensure that my credit report is correct and that I am treated fairly in the credit reporting process. 
Under the FCRA, I am entitled to the following rights : The Right to Accurate Reporting The Right to Dispute Inaccurate Information The Right to Be Notified of Adverse Actions The Right to Limit Access to My Credit Report The Right to Privacy and Confidentiality The Right to Seek Damages for Violations I am asserting these rights in my dealings with your agency to ensure that my credit report is accurate, complete, and reflective of my true credit history. Any discrepancies or inaccuracies should be promptly corrected to avoid any adverse impact on my creditworthiness. 

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

It's multiple Reasons to this complaint This debt collector has broken several laws Garniisgjing Exempt funds Did not properly notify me Sue for Old debt 15 plus, years old Debt is not mine or incorrect information This collection needs to be shut down for these unlawful misconduct actions
Product: Credit reporting or other personal consumer reports

Hired from a fraudulent company to work as an office assistant remotely from my home. They used XXXX to send money and deposited the money into my USAA ACCOUNT once it went through my bank and was cleared I sent back The extra amount that wasnt used the sent money became unavailable due to unavailable money from the company accounts and I was charged and told to repay all even after working with and reporting the company to the fraud department.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of inaccurate information on my credit report XXXX XXXX XXXX XXXX Credit Bureau XXXX EQUIFAX Account Type : Credit Card I am writing to you under my rights according to the Fair Credit Reporting Act ( 15 U.S.C . 1681 ) and the Truth in Lending Act ( 15 U.S.C. 1601 ) to dispute inaccurate and unverifiable information on my credit report related to the account I hold with [ creditor name, e.g., XXXX XXXX  XXXX ], which has been marked as a " charge-off. '' After reviewing my credit report, I have identified the following discrepancies between the credit bureaus ( XXXX, XXXX, and Equifax ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  '' XXXX : XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX bXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  '' Equifax : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  '' additionally noting that the balance was " reported as a loss by the creditor. '' Furthermore, according to the XXXX report, the account was closed due to inactivity, which is a significant discrepancy compared to the other bureaus that do not mention inactivity as the reason for closure. This inconsistency between the credit bureaus impacts my right to have my information reported accurately and fairly as stipulated by the FCRA under 15 U.S.C. 1681e ( b ), which mandates that credit bureaus maintain maximum accuracy in the information reported.

Under the Truth in Lending Act ( TILA, 15 U.S.C. 1601 ), I am entitled to clear and accurate information regarding credit obligations and payment history, which is not being reflected in this case due to inconsistencies between the different credit bureaus.

I request that, in accordance with the FCRA and TILA, you investigate this dispute and promptly remove the inaccurate information and the charge-off from my credit report, as the discrepancies and errors demonstrate the inaccuracy of the information being reported. Please provide me with the results of your investigation and a corrected credit report as soon as possible. 

I have attached copies of my credit report highlighting the discrepancies and the inaccurate information. 

Thank you for your prompt attention to this matter. I look forward to your quick response.Sincerely,
Product: Mortgage

My property is located in XXXX XXXX Indiana. Taxes are due twice a year ( XXXX and XXXX ). At the beginning of XXXX. I realized they still had not paid my XXXX installment so I sent an email requesting it be paid. I received a generic response stating " we will pay it by the economic loss date ''. At this point the taxes were late and a 5 % penalty was due. They were also escrowing for the incorrect amount which caused me to have a surplus once the taxes were actually paid. They completed my escrow analysis on XX/XX/XXXX using the higher amount so I requested that the loan be re-analyzed due to the surplus and to reduce the amount of escrow for the coming year as they were escrowing {$300.00} more then necessary for the 2nd half taxes which is about a $ XXXXmonth difference in my payment. Arvest is not responding to emails I have sent requesting it. It is now XXXX and my first request was sent on XXXX. Since this is now the 2nd year in a row I have had to provide tax documentation to my mortgage company when it should be their responsibility to manage it properly and they are not fixing my account or responding I am now asking that you intervene on my behalf.
Product: Checking or savings account

I m trying to access my online account I called multiple times and reps keeps giving wrong information. I keep being on hold long periods of time not getting help.
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. 

XXXX XXXX XXXX  # XXXX, XXXX XXXX XXXXXXXXXXXX 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, DEPT OF ED / XXXX # XXXX, XXXX & XXXX # XXXX, XXXX XXXX XXXX # XXXX has violated my rights. 

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 an 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: Mortgage

XX/XX/XXXX This company has charged me for taxes on a parcel number that does not belong to me! They said it is on my legal documents but when I looked at my paperwork, I have one property and one parcel number. I already contacted my local tax office. The other parcel number belongs to my neighbor with a totally different last name. I have no relation or ownership to this other property yet I have been charged about XXXX XXXX dollars! This company 's employees are rude and basically told me there is nothing they can do! Someone finally reached out to me regarding this issue in XXXX and said things will be fixed but no action has been made as of XXXX XXXX. They took out my money real quick but are dragging their feet to refund me! This is not my fault at all. They literally charged me for my neighbor 's taxes twice XXXX and XXXX and have not fixed their mistake. Supposably the other parcel was taken off my account but my refund has not be made. My escrow account was negative due to the overage of paid taxes out of the account. I now have to pay for an escrow shortage because the almost {$5000.00} was taken from it! I call and call and the agents are rude and no one wants to help. They said nothing can be done until they see I get a refund but that makes no sense when they should see on their end that they made a mistake and they owe me! They have little to no knowledge and also hang up on me! This is a serious issue! This is the second XXXX  complaint and third complaint overall regarding this matter! It is the only way to get someone to communicate! I need a refund asap or I will take action with an attorney! This is ridiculous! I need a written explanation of charges, another escrow analysis of last year and this year and a refund ASAP
Product: Debt collection

I attempted to have this debt removed from my experian credit report because XXXX XXXX violated the consumer fraud act and consumer contract warranty notice act. I received a class action notice that I am a part of and the notice indicated the storage co violated consumer fraud act by charging excessive premiums and violating nj truth in warranty notice act. The debt should not be listed on my credit report due to all of this fraudulent activity. The settlement is listed is indicated on the web site. Open to the public. The collection agency should not be trying to collect on these violations. IC systems inc collection agency.
Product: Credit reporting or other personal consumer reports

Speedy cash offered me a loan but I never gave them the information about myself and they reported it on my credit report without my Permission. The customer service. 
Rep that work for speedy cash cap. Calling me ask me to bring in my I. D and employment information, but I didn't even ask for the loan.
Product: Checking or savings account

Hello there I received a mail from chase bank saying I requested for address change on my chase account while I have never had an account with chase. I don't have any access or know about this account can you guys check into to it and help close this one.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cashapp ( Block , inc ) due to inadequate customer service and unfair services, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash app failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and i seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX ] [ XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX [ XXXX XXXX ], [ XXXX  ] XXXX ] SSN : [ XXXX ] | XXXX : [ XX/XX/XXXX ] [ all XXXX credit bureaus ] Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : Account Name : XXXX  XXXX XXXX  ] Account Number : [ XXXX Reason : [ account is closed need late payments remove I'm not responsible of this account info, can I get this off my profile asap please. ] By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months.

Thank you for your time and help in this matter. 

Sincerely, [ XXXX k ]
Product: Credit reporting or other personal consumer reports

Upon checking my XXXX credit report I noticed my ( affirm-account # XXXX ) the balance has not been updated even though I just disputed it with XXXX credit reporting agency and they stated account is up to date. Even though I provided support documents to prove otherwise. I will upload documentation from affirm inc showing my new balance as I have began to pay them off and this account shows about XXXX late payments as well please fix account history thank you and balance as well!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXXXXXX XXXX Inquiry date XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

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
Product: Credit card or prepaid card

Citi Cards, XXXX, XXXX. Stopped my bank autopay. I became past due. 90 days with past due of {$140.00}. XX/XX/XXXX I could not access my acct online due to volume virus. Paid {$300.00} by bank bill pay. XX/XX/XXXX received closed acct dated XX/XX/XXXX. I changed password and paid {$2100.00} balance. Filed a feed back form. No response. Phone for 2+ hold then next day 2+hours hold. Today now on hold 1+hr.+. Can get no response. They have my phone, email, banking onfo and filed a negative credit report of 90 days. I have no, none derog/bad credit on my report. I paid as soon as I knew they had stopped my autopay. I have another card XXXX that is auto pay. I paid that acct in full.I would just like the derog credit removed from my file. I am still holding, will all day. Thanks
Product: Credit reporting or other personal consumer reports

Bloomingdales/Citibank charged off my credit card ( account number XXXX ) in the amount of {$1700.00}, but never provided the 1099C. In addition, Bloomingdales/Citibank already wrote the debt off so they are not able to collect on the debt twice. This is fraudulent. 

Under the FCRA, I can seek statutory damages if a creditor furnishes inaccurate information about a debt, such as incorrectly reporting a charge-off while still claiming that I owe the debt. This is fraudulent.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXXXXXX XXXX XXXX did not have permissible purpose nor authorization to access my credit report in XX/XX/2017. I have repeatedly requested the authorization including the credit report but they deny. As proof, XXXX XXXX XXXX XXXX sent an incomplete and undated copy of an application which included an area for authorization.
Product: Credit reporting or other personal consumer reports

I dont recognize any of the hard inquiries on my credit report only recent ones i know of is for XXXX XXXX and for XXXX XXXX XXXX in. The last week, also a dismissed XXXX XXXX XXXX from XXXX that isnt suppose to be on because never finished and reported incorrectly
Product: Money transfer, virtual currency, or money service

I am writing to Formerly Express my concerns regarding Zelle 's 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 fail to investigate my claims adequately. They informed me that recovering lost funds. Was impossible and that tracking these transactions was unfeasible. The CFP b 's findings indicate that Zell has not only neglected to protect consumers but has also allowed.Repeat offenders to exploit the system comma leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

On XX/XX/2022 I sent a letter regarding an inaccurate and unknown thing on my credit report. On this day over 60 days later I have not received a response yet. I feel like I am being taken advantage of furthermore, being ignored of my dispute. Section 611 ( a ) states that failure to investigate these items within 30 days gave reason to immediately remove these items from my credit report. it has been over 60 days so they shall be deleted promptly. I demand these inaccurate, unfair and unduly expensive accounts be removed from my credit report immediately or I will file a litigation in result of the stressors and damages this has caused my family. furthermore my information was impacted by the Equifax Data Breach which may have resulted in my information to be in the hands of the wrong person.
Product: Mortgage

I took out a HELOC with Suntrust Mortgage in XX/XX/XXXX. After the Crash, I had to file a Ch XXXX BK in XX/XX/XXXX. Then I did a Loan Mod with my first XXXX XXXX in XX/XX/XXXX. I went back to Suntrust in XX/XX/XXXX to find out my Balance as I was going to give it to my Attorney to start the process of having that lien discharged,  voided or scrubbed. Whatever you call it. 
Suntrust told me back then that I owed them nothing as the loan balance was XXXX. 
They lacked total candor and hid a lot of things from me so I could not do what I had the legal right to do. 
Now I am selling my home and they want to take all my proceeds to line their greedy pockets and ruin my retirement. 
This is WRONG, DIRTY and UNSCRUPULOUS what they did to me. 

I NEED YOUR HELP PLEASE. 
PLEASE READ MY FULL COMPLAINT.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of my 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 not feasible. The CFPBs findings indicates that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of transparency is unacceptable and raises serious concerns about consumer safety.
Product: Mortgage

Good Afternoon, I have 30 years mortgage loan ( Loan # XXXX ) with XXXX XXXX  XXXX  XXXX , XXXX. 

For the pasts five year, I have been making payment to XXXX XXXX for time manner. Unfortunately the Loan was sold to Penny Mac. By law, the new owner of your loan must notify me within 30 days of effective date of transfer.

I have never received notice from Penny Mac Loan No.  XXXX or XXXX XXXX. 

Now I'm getting harassment phone calls from Penny Mac stating my loan is default.
Product: Credit reporting, credit repair services, or other personal consumer reports

Nothing was corrected and i was transferred over and over and over again to so many people who i had to tell the same information to. I got no where and had my insurance company on the line who were upset about the run around yet i coukdnt get anyone on the phone to correct the inaccurate reported information.