23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I am writing to formally dispute the reporting of XXXX XXXX account # XXXX on my credit report. As supported by recent legal interpretations and case law, the inclusion of such information violates my rights under the Fair Credit Reporting Act ( FCRA ) and the Due Process Clause of the U.S. Constitution.

As per the attached notice from TransUnion, federal courts have ruled that the use of consumer reports for the collection of delinquent child support, judgments, fines, and liens is no longer permissible under the FCRA. The Fair and Accurate Credit Transactions Act ( FACT Act ) specifically defines the word credit and stipulates that a collection of an account is only permissible when the collection is in connection with a credit transaction. The relevant case law, including decisions from XXXX XXXX XXXX v. Trans Union LLC and other similar cases, explicitly reject the practice of using consumer reports for non-credit transactions such as child support obligations. 

Furthermore, in XXXX XXXX XXXX, XXXX XXXX XXXX ( 2000 ), the Supreme Court underscored the protections afforded by the Due Process Clause, preventing the government from intruding on fundamental rights and liberty interests. The state may not interfere with the liberty interest that parents have in controlling the care and custody of their children unless it is necessary to protect the best interests of the child. This principle further supports the argument that reporting child support obligations on credit reports is unconstitutional, as it unduly burdens the parent without serving a legitimate credit-related purpose. 

Given these facts and the legal precedents, I request that XXXX, Transunion and XXXX immediately remove any and all references to child support obligations from my credit report. Reporting this information is not only legally unjustifiable but also violates my constitutional rights. If no response to this order is received within 14 days I will be forced to file a suit in Federal Court.

Please confirm in writing that this information has been removed and provide me with an updated copy of my credit report. 

Thank you for your prompt attention to this matter. 

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

On Friday XX/XX/XXXX I contacted XXXX XXXX XXXX as they have not been reporting accurately to transunion or XXXX. On my report it shows I still owe XXXX and I actually have a XXXX balance. XXXX XXXX says they would fix it and then today XX/XX/XXXX they reported again to transunion with wrong information further dropping my XXXX XXXX. I have disputed this several times with XXXX and transunion and every time XXXX XXXX  says their info is accurate. I called XXXX and they said it was up to XXXX XXXX XXXX to report accurately.
Product: Credit card

I received a welcoming email to a Zales credit card but I thought it was a phishing email and then days later I received an email stating the my order was delivered to an unfamiliar address with my telephone number attached, but it still appeared to be a scam. Then on XX/XX/2024 I received a XXXX email for a survey for " my product ''. I called the customer service number for Sales and they immediately gave me my balance and usage once I gave the last XXXX digits of my social. I did not apply for a Zales credit card. I was then connected to the fraud department after advising customer service that I did not authorize the credit card. They asked me a lot of questions but could not tell me much over the phone except they would send me correspondence in the mail in XXXX to XXXX business days. At that point I didn't really feel comfortable because they couldn't tell me where the purchase was made, except that it was in store. No store location or time. Only the date. I am submitting this complaint because no one should have been able to open an account without some form of a valid drivers license.
Product: Checking or savings account

My wife recently passed the insurance company returned two checks over payment I deposited the two checks with my wifes name to the estate of in her name plus one check in my name four days later my account charged a deduction of {$250.00} two days later I was charged a {$12.00} returned check fee the {$550.00} and the check in my name XXXX a total of {$820.00} there is no mention of other two checks contacted supv XXXX for 30 minutes with no result my question is why were the checks excepted in the first place dont know what happen to the check in my name or second check in wife name this happen at a branch bank pnc XXXX XXXX Illinois In addition I have been depositing my wifes checks into my account for the pass 12 years????
Product: Debt collection

Central Financial Control and XXXX XXXX XXXX XXXX XXXX refuse to acknowledge that payment in full was made and deposited into XXXX account on XXXX/XXXX/2015, and to remove their collection notice from my credit bureau reports. I have called CFC to explain this several times, and I have faxed the information to them twice, most recently over 3 weeks ago. 

XXXX refuses to discuss accounts which have been sent to CFC for collection, which makes it impossible for me to explain to them that they have already accepted payment in full.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted 4 separate disputes with TransUnion and 5 Disputes with XXXX regarding a collection account they have let remain on my Credit Report, even though I have asked the companies listed below for a " SIGNED CONTRACT '' by me, Per the F.C.R.A.. XXXX XXXX XXXX agency has had 17 different occasions to produce such documentation if they had any, I have yet to receive and such contract, which is required to " MEET FCRA STANDARDS ''! I have provided proof of this account being removed/deleted from my XXXX Report. If XXXX could not verify this account per the F.C.R.A, How are TransUnion and XXXX doing so? XXXX took this account out of collections and simply tried to close the account, hoping that i would not notice, I contacted them over the telephone as well and I got disconnected on XXXXwo times, and when I finally got someone on the line, they refused to help me. 

XXXX XXXX XXXX  - which I have an active credit card with, XXXX XXXX XXXX - 3 letters, XXXX - 5 letters, TransUnion - 4 Letters XXXX - 5 Letters
Product: Mortgage

I filed the complaint with the same company in XX/XX/XXXX (Complaint number: XXXX) and reached the agreement to pay monthly mortgage at the amount of $XXXX. Last Friday (XX/XX/XXXX), I received the letter (Attached) from the mortgage company saying that they are going to increase the monthly mortgage from  $XXXX to $XXXX effective XX/XX/XXXX. I really don't understand why they are doing this again when we have agreed for the monthly payment at the amount of $XXXX with CFPB's help in last XX/XX/XXXX. I don't have any late payments with them. For me, there is something wrong with their system or they are doing this on purpose(?). I really don't get it and it's so stressful for me receiving this kind of letter time to time from the mortgage company when I make the payment on schedule all the time . Can you please help me with this issue? Thank you!
Product: Mortgage

The first SLS billing statement was generated on XX/XX/XXXX and was mailed to the address of record. Billing statements continued to be sent through maturity of the loan in XX/XX/XXXX. Servicing noticed have also been sent throughout the servicing of the account ''. We are stating that any notices that were sent throughout the history of this loan have been incorrect and SLS has known this and continued to send any correspondence to the wrong address even after identifying that this was a bad address ( see internal notice attached ). We have had the same mailing address for at least XXXX  years even when XXXX XXXX our mail was forwarded thru the US mail address. It is interesting that when SLS took over the loan the address was correct and we had no problems receiving mail and tax notices from the previous servicer. Even after starting legal proceedings against SLS they continued to address statements to the wrong address, even though the correct mailing address was included in all legal paperwork sent to their attys. Since XXXX SLS has not once contacted us regarding any type of loan and now after XXXX years want to foreclose on an outstanding amount that we never knew existed.This is the textbook definition of a zombie loan. We have also uncovered a new discrepancy regarding a forgery of documents. Please see attached documents re signatures of XXXX XXXX XXXX / XXXX XXXX XXXX. SLS violated Arizona Revised Statutes ( A.R.S. ) 33-420, which prohibits any person from recording false or fraudulent documents that assert an interest in, or a lien or encumbrance against, real property.The Notice of Substitution of Trustee that was filed on XX/XX/XXXX is signed by XXXX XXXX XXXX , an attorney in fact, of the Defendant, Specialized Loan Servicing. If you compare this with the Assignment of Deed of Trust dated XX/XX/XXXX you will see a signature of a XXXX XXXX XXXX, claiming to be assistant secretary for XXXX XXXX. XXXX XXXX XXXX and XXXX XXXX XXXX are the same person and have the same signatures. It is easy to prove that XXXX XXXX made a material misstatement and fraudulently conveyed the Plaintiff 's property to SLS by misrepresenting he worked for XXXX XXXX. Also noteworthy is XXXX XXXX ceased to exist on XX/XX/XXXX, so they could not assign anything to anybody on XX/XX/XXXX. The assignment is fabricated and forged and this makes it void, it is definitely illegal for an attorney to misrepresent that it is employed by XXXX when it is really working for the Defendant, SLS in this case. A copy of both documents are attached
Product: Credit card

Recently I made a payment to first progress to pay off my outstanding balance. The amount was debited from my account as an ACH check since that is the ONLY way that the take payments. Since the beginning of having the card they have been a total pain in the XXXX to get a pay to. I made the payment on XX/XX/XXXX of this month, and no credit was available to me even though they received the money from my bank and my balance was XXXX. I called them on XX/XX/XXXX in regards to this and they informed me it would take up to 15 days for me to have the credit available, Irate I closed the account and demanded the deposit back, and they told me it would take up to nine weeks to get my deposit back. This is completely unacceptable. they got the deposit for the card in a timely manner they should return it in a timely manner, and 7-9 weeks is ridiculous.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I recently received a copy of my XXXX XXXX or Trans Union credit report, and I noticed some late payments posted on my consumer report. 

List accounts XXXX XXXX  XXXX Your company is in clear violation of the law, Under 15 USC 1681b -permissible purpose of consumer reports. THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates Did I give you written instructions to furnish this account on my consumer report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( 1 ) Exclusions from a consumer report clearly states : ( a ) EXCLUSIONS- Expect as provided in paragraph ( 3 ) the term consumer report does not include- ( A ) Subject to section 1681s-3 of this title any- ( 1 ) report containing information solely as to transactions or experiences between the consumer and the person making the report.

Delete above late payments from my consumer report, this agency is in violation of 15 USC 1681.

Failure to respond satisfactory with deletion of the above referenced account, and send out a free copy of my report after changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1.Defamation of Character ( per se ) 2.Negligent Enablement of Identity Fraud 3.Fair Debt Collection Practices Act 15 USC 1692 violations 4.Fair Credit Reporting Act 15 USC 1681 violations for willful noncompliance -616 liability for willful noncompliance 15 U.S.C 1681n Best Regards,
Product: Credit reporting or other personal consumer reports

I have called and talked to XXXX XXXX and I have asked them to remove some hard inquiries off of my credit report because they were identity theft they are from XX/XX/XXXX through XX/XX/XXXX I have made a police report. I have constantly been asking XXXX XXXX to remove these hard inquiries now Im stepping in and coming to you guys. I am a victim of identity theft.
Product: Credit reporting or other personal consumer reports

CREDIT REPORTING COMPANY- EXPERIAN REOVE IMEDIATELY I am writing to formally request the immediate removal of the following inquiries on my credit report, as I have no knowledge of these inquiries and did not authorize them. These entries appear to have been made without my consent and are negatively impacting my credit score. The unauthorized inquiries are as follows : XXXX XXXX - Inquiry Date : XX/XX/year> XXXX XXXX XXXX XXXX XXXX XX/XX/year> : XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/year> In accordance with the Fair Credit Reporting Act ( FCRA ), I request that these inquiries be removed from my report immediately.

If these inquiries are not removed promptly, I will consider further action to protect my credit profile. Thank you for your prompt attention to this matter. 

XXXX XXXX XXXX.
Product: Payday loan, title loan, or personal loan

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that DISCOVER PERSONAL has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
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 claim adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs 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. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Vehicle loan or lease

I noticed that the finance company is reporting the same information but with different finance company names and the information is not being reported correctly. I submitted the copies of the credit reports. 

I requested the following information from the financing company, XXXX XXXX XXXX XXXX XXXX XXXX XXXX no response have been received from the finance company. Please provide the following information or remove debt from my credit report. Under Florida Statutes Chapter 679, which governs secured transactions, and pursuant to Florida 's Uniform Commercial Code ( UCC ), I am entitled to receive certain documents and detailed information related to this process. I respectfully request the following documentation : Final Account Statement / Payoff Statement which should include but not limited to : The remaining loan balance. 
The amount credited from the auction sale. 
Any additional charges like repossession fees, storage fees, or late fees. 

Deficiency Notice : The amount received from the auction.

The remaining balance that you say I'm responsible for ( i.e., the " deficiency '' ).

Auction Sale Details : The final sale price of your vehicle.

Any related auction fees or deductions from the sale price.

Repossession and Sale Fees Breakdown : Towing fees. 
Storage fees ( if applicable ). 
Auction fees. 
Administrative fees related to the sale. 

Loan Agreement/ Original Contract Statement of Payments Made Legal Notice of Default and Repossession : Default notices. 
Notices of intent to repossess. 
Notices informing you of the auction. 

Letter of Intent to Sell or Auction Notice Please provide these documents within 30 days as required by Florida law. If you do not provide the requested information, I will be forced to consider legal action to resolve this matter, including filing a complaint with the Florida Office of Financial Regulation and/or pursuing further dispute resolution. 

I appreciate your prompt attention to this matter and look forward to receiving the requested documents as soon as possible. If you require any additional information from my side, please do not hesitate to contact me via email XXXX Thank you for your cooperation.
Product: Student loan

I thought I was on a deferred payment plan for these accounts. I have been working very hard to fix my credit, and all of a sudden I get reported as 60 days late and 90 days late. My primary issue is that I have been, as has most of America, affected by the COVID 19 pandemic. I thought all student loans were in an automatic deferment. I am in disbelief that AES would do this to me, especially now. I have called and begged them to help, but they have told me that they can not help me. They are reporting the data, what do they mean they can't help me? Please help me, they are destroying my credit, during a crisis, this can not be fair! 

Sixty days late in XX/XX/2020 and 90 days late in XX/XX/2020 2020
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reported 5-8 negative items on my credit report that are incorrect and in violation of the FCRA several times. 
These are the dates I sent certified letters : XX/XX/18 XX/XX/18 XX/XX/18 XX/XX/18 I sent letters to each bureau XXXX, Experian, and XXXX. I never received my results only a free copy of my credit report. I do have proof that letters were received by them. I also tried to delete a few addresses off of my experian account and they refused. This is causing major issues in my personal life and need these items removed immediately.
Product: Credit reporting or other personal consumer reports

Synchrony bank offered me a settlement payment offer which detailed XXXX total payments ( XXXX payments of {$190.00} and XXXX payment of {$200.00} ). Accepting this offer would allow me to pay off the balance and close-out the account early. In completion of this offer within the XXXX payments in XXXX, XXXX, and the final payment in XX/XX/year>. They would report the updated information to the credit bureaus. Unfortunately, when they reported the paid information to the bureaus. They did not correct the " XXXX XXXX '' during those months of XX/XX/year>, XX/XX/year>, and XX/XX/year>. I have contacted them twice and they haven't fixed the incorrect reporting. 

Thanks, Blessings
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. 
ACCOUNT Name : 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 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

There are numerous inquiries on my credit reports from XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX. 

I contacted them and asked them to correct the illegal inquiries that are on my credit reports and they said these inquiries are valid. 

I disputed these inquires in XXXX, XXXX and XXXX through Experian, XXXX and XXXX and they have not been investigated, verified, updated or removed. 

What normal human being in their right mind would apply for credit card or a loan through XXXX XXXX  on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX? 

Can you please contact XXXX XXXX, Experian, XXXX and XXXX  and have them delete these inaccurate, illegal inquiries of my credit report?
Product: Credit card

I have FNBO credit card ending in XXXX, It's a nightmare to deal with the customer service and another nightmare to dispute a transaction. 

I wanted to dispute {$13.00} out of this following transaction- XX/XX/2XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dining {$48.00} I also wrote this to FNBO credit card on their online platform, but they're not responding