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

Upon reviewing my credit profiles, I've uncovered inaccuracies and now seek Metro-2 compliance for my credit report. I insist on the removal of any challenged or disputed misinformation. Furthermore, I demand that the bureau authenticate the authenticity of all federally composed legislative documents related to the challenged account allegations. Failure to comply may result in civil actions on my part.

I'm kindly requesting verification of certain items on my credit report and would appreciate physical proof of verification. Additionally, I'm requesting a complete credit report to ensure accuracy. I'm grateful for the prompt attention and cooperation in this matter.

I hope all is good with you as I write this. I am submitting this letter to formally dispute the veracity of some information found in my credit report. I've seen that there are unsupported statements that don't have supporting documentation, especially when it comes to accusations of delinquency and derogatoriness.

I understand that Metro 2 data field reporting follows an industry standard, and as a responsible consumer, I am aware of my rights under the Fair Credit Reporting Act ( FCRA ). In compliance with federal and state regulations, it is imperative that all allegations be reported completely and truthfully. 

I therefore ask for concrete, independently verified proof of the accounts ' existence and authorized use. I demand the deletion of these accounts in the absence of such proof. 

Listed below are the Accounts that are being challenged XXXX XXXX XXXX  ( Original Creditor : XXXX  ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX | XX/XX/XXXX XXXX  | XX/XX/XXXX XXXX | XX/XX/XXXX XXXX  | XX/XX/XXXX XXXX  XXXX XXXX | XX/XX/XXXX XXXX  XXXX XXXX | XX/XX/XXXX XXXX  XXXX XXXX | XX/XX/XXXX XXXX  XXXX XXXX  | XX/XX/XXXX XXXX  XXXX | XX/XX/XXXX XXXX  XXXX XXXX  XXXX  | XX/XX/XXXX XXXX  XXXX XXXX XXXX | XX/XX/XXXX XXXX XXXX XXXX XXXX | XX/XX/XXXX XXXX | XX/XX/XXXX XXXX | XX/XX/XXXX XXXX XXXX. XXXX XXXX | XX/XX/XXXX XXXX XXXX. XXXX XXXX | XX/XX/XXXX XXXX  | XX/XX/XXXX XXXX  | XX/XX/XXXX XXXX  | XX/XX/XXXX XXXX  | XX/XX/XXXX XXXX | XX/XX/XXXX XXXX XXXX XXXX | XX/XX/XXXX XXXX XXXX XXXX | XX/XX/XXXX XXXX | XX/XX/XXXX XXXX  XXXX | XX/XX/XXXX XXXX XXXX  | XX/XX/XXXX XXXX XXXX  | XX/XX/XXXX XXXX XXXX XXXX | XX/XX/XXXX XXXX XXXX XXXX | XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  | XX/XX/XXXX XXXX | XX/XX/XXXX I now provide permission to have an updated copy of my credit report and tangible paperwork outlining your actions delivered to me. 

We sincerely appreciate your quick responsiveness to this situation.
Product: Credit reporting or other personal consumer reports

After reviewing my credit report, I have noticed hard inquiries I do not recognize. I have contacted all CRAs, and they refuse to dispute or investigate the inquiries. The following inquiries are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> 15 USC 1681b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) Information regarding inquiries. Except as provided in section 15 USC 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.
Product: Credit card or prepaid card

On XX/XX/2021 I requested a emergency transfer of funds by XXXX XXXX the only method I could retrieve my funds from my account. Bank of American have not taken any measures to unsure prompt delivery to access my available funds. Fraud department now stated their has been a data breach. Prior to admitting quilt, Bank of American took over three weeks before releasing my funds back into my account. On XX/XX/2021 I was told by prior Bank of American rep. I could request another emergency transfer of funds without any fee. I spoke with Supervisor XXXX in the east coast about XXXX XXXX. XXXX stated I could only have one fee waived to receive my emergency transfer of funds dispute Bank of American data breach and dispute the fact that Bank of American also held my account XXXX  for 30 days due to the same data breach. Instead I have been waiting for another prepaid card for the third time, to be delivery within 7-10 days. In the meantime bills, food and housing is at a stand still.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is placing a fraudulent account on my Experian report. XXXX and XXXX have already removed it months ago. Everytime I try to contact Experian, they ignore my request. In fact, I contacted the XXXX  to file a complaint and they have failed to respond to them as well. I also filed a complaint with the attorney general in Arizona because they are being negligent and harming my score.
Product: Debt collection

On XX/XX/2022 I received a letter from, '' Commercial Acceptance Company '' alleging that I owe a debt. Pursuant to 15 USC 1692g ( a ) ( 3 ) I am making it clear that I completely disagree with this alleged debt, and I am disputing the entire amount they are claiming. I owe. I am disputing this alleged debt within 30 periods prescribed under 15 USC 1692g I am demanding they send me verification of this alleged debt or a copy of a judgment. Lastly, my failure to dispute the validity of this alleged debt can not be construed as admission of liability by any court 15 USC 1692g ( 2 ) ( c )
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX XXXX XXXX XXXX XXXX XXXX Inquiries : XXXX XXXX XXXXXX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for XXXX year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
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 my lost funds was impossible and that tracking these funds was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but also allowed repeat offenders to exploit the system, leaving users vulnerable to scam. This lack of accountability and transparency is unacceptable and raises serious concerns about consumers and raises serious concerns about consumers safety.
Product: Debt collection

I found that I had a collections account from Knight 's Adjustment Bureau on my credit report for {$1000.00}. 
I contacted Knight 's AB and was told it was for a debt with XXXX XXXX XXXX. I told them I had proof of payment and disputed the charge. Knight 's AB sent me their documentation of the debt, which showed a principal amount of {$770.00}. 
I reviewed the debt and sent documentation of my insurance payments and personal payment, which showed a difference of {$57.00} ( between the allowable potion of the insurance and my payment ) and again disputed the debt and requested the collections be removed from my credit report. 
I also disputed the collections with the Credit Bureaus, but only one removed the debt. 
I then received another letter with documentation showing XXXX had " billed '' me in XX/XX/XXXX ( after I had returned the medical device in XX/XX/XXXX ) for a full sale at {$740.00}. It also states that the allowable sale amount of the device was {$870.00} and they applied {$73.00} in payments for an outstanding balance of {$800.00}. 
None of the documentation they provided shows the principal amount of {$770.00} which they are using to report to the credit bureaus. 
When I asked why they couldn't provide documentation of the amount they told me I had to talk with the original debtor. I don't understand how a collection agency can continue to collect a debt and just wash their hands of any responsibility of whether the debt is valid, especially have I provide proof of payment and show what their documentation doesn't match the amount being collected.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
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 Balance : {$0.00} XXXX XXXX XXXX XXXX Balance XXXX {$0.00}
Product: Checking or savings account

This is concerning excessive fees by TD bank. Since XX/XX/XXXX TD Bank charged me XXXX dollars in overdraft fees alone! I complained to them due to the following facts. 

They charged me XXXX dollars on XX/XX/XXXX for three withdrawals that I was forced to do in three separate transactions .... 

They also charged me on XX/XX/XXXX XXXX dollars for a check, a credit payment and a withdrawal. All of which occurred after I already had a positive balance. They claim that it already came through in the system but it just didn't show ... .. 

Thy also charged me other charges such on XX/XX/XXXX XXXX dollars and other individual charges for a total XXXX dollars just in overdraft fees. 

These charges are excessive!
Product: Mortgage

The previous servicer ( XXXX XXXXXXXX XXXX XXXX XXXX XXXX ) received a wire for {$49000.00} on XX/XX/XXXX. My loan was transferred to another company ( Specialized loan servicing ) on XX/XX/XXXX, XXXX keep stating they do not have funds. Specialize loan servicing is refusing to communicate with XXXX ( the company they purchased my loan from ). They refuse to reach out to there servicing transfer dept. or cashiering department to have these funds applied to my loan. Specialize loan state I need to show them proof but they need to get it from XXXXthe money source, they received the money. I have been trying to get XXXX to send the funds to the new company for almost XXXX  months now. I called the XXXX today, XX/XX/XXXX, now they are telling me they still have not wired the funds when multiple managers assure the funds had already been sent to new company. ( stated they wired your company the {$49000.00} that was received by them. Below is the bogus wire info from there rep. ref # XXXX confirmation # XXXX I need these funds posted to my loan. None of my funds need to be applied the inspection and XXXX fees, its not valid and you all and the previous company are investigating. The funds will bring my loan current plus payment for XXXX future months, use funds to cover my escrow shortage, then place remaining funds in unapplied. 

In additional, XXXX has legal fees and inspection fees when I was on the XXXX then tried to get mod sent with updated dates. I was protected by the Cares Act, there is no reason my loan should have gone into foreclosure, I kept constant contact. 

You all need to do your job and reach out to XXXX. You both have me playing the middle guy when yall need to communicate. WHERE IS THE {$49000.00}?!?
Product: Credit reporting, credit repair services, or other personal consumer reports

Can not find my files on Equifax
Product: Credit reporting or other personal consumer reports

Upon reviewing my consumer report from Equifax I realized that I have an account that is missing off of my consumer report the account is XXXX XXXXXXXX Bank with a credit limit of {$1000.00} which is not reporting to my account I'm providing details from the account that should be reporting on my consumer file
Product: Debt collection

Ebay floods inboxes with offers to " sell for free '' " list for free '' after the consumer falls for the deception and sell an item they are hit with a bill for the seller fees. When contacting ebay they explain that " It does n't matter what the email title says, if you read the small print you 'll discover that they are only waving the {$0.00} listing fee. 

Ebay also floods inboxes with email that state " sell a ____ ( in my case a smart phone ) by a certain date and get a {$25.00} ebay gift card. in the small print you 'll find that the card will be issued at ebays leisure usually within XXXX weeks, and the card must be used by the date on the card. what they do n't disclose is the date on the card will be XXXX days from when the email is sent. 

I fell for both of these deceptions, while selling my iphone. I would never have used ebay if it was not for the email that said " sell for free '' and the " sell a smartphone by ___ and get a {$25.00} gift card '' was a bonus. 

After the sale I went fishing for a week upon returning home I found I was hit with full seller fees and the gift card was expired by the time I even knew I had it. 

In disputing this with ebay they were unwilling to see the error of deceptive marketing. how ever they did offer to settle for 50 % which was {$17.00} and change, I told them to use the gift card that I never got to use, and was told I cant use promotional gift cards to pay this debt.
Product: Debt collection

There is an account showing on all three bureaus but only XXXX is showing it as {$0.00} balance. Experian was showing it last month as {$0.00} and now they have shown it as a balance owing of {$1500.00}. The account amount is not correct. I have attached the report from XXXX  as well as XXXX  to show the difference. As well as i have attached the letter from the attorney general Child Support to show I have not been in default but i have a credit of over {$1100.00} in my account.
Product: Checking or savings account

My brother, XXXX XXXX XXXX, has a high yield savings account at Goldman Sachs Bank USA ( dba/ Marcus by Goldman ). My brother had XXXX XXXX  in XX/XX/XXXX that left him XXXX. He was declared legally in XXXX  in XX/XX/XXXX and I was named the temporary guardian of his estate. I have been trying since XX/XX/XXXX to get control over his Marcus by Goldman account and have the funds in this account transferred to a guardianship account. There should be between {$210000.00} and {$260000.00} in this account, and my brother needs these funds urgently to pay for his medical care and other bills. I have written to Goldman many times and spoken with various representatives on the phone ( even though they make it extremely difficult to contact them ). I have sent and re-sent all the materials they requested multiple times ( 5-6 times ). Most recently I sent them the additional materials they requested on XX/XX/XXXX. The representative I spoke with assured me that I would get the funds in my brother 's account as soon as they received these materials. They acknowledged receipt of the new materials on XX/XX/XXXX. I also sent them a Turnover Order issued by the Texas probate court to turn over the funds in this account. They are in contempt of this court order. When I called them again on Friday, XX/XX/XXXX, they acknowledged that they had received all the requested materials last month, but they told the matter was with their " legal department '' and they were unable to tell the status of the matter or when I would receive the funds in my brother 's account. It has now been 7 MONTHS and I still don't have the funds from my brother 's account, despite that fact that they know full well, and have been informed multiple times, that this matter is URGENT.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 


Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX
Product: Mortgage

I XXXX XXXX submitted a complaint on my wife 's account XXXX XXXX. The Amerihome representative stated my wife isn't authorized on the account so I take issue with that because she gets correspondences from them daily. After she's asked them to stop. Another real issue is they are in violation of 15U.S.C 1692 ( a ) and ( b ) furnishing certain deceptive forms. Section b outlines the liability under Section 1692k. We receive only a monthly statement ( in a positive format ) Amerihome does not mail the disclosures statement that is required by law. 
18 U.S. Code 8 outlines the obligation of the United States for ALL alleged debt. The payment statements mailed each month are just that Statements. It is prepaid by the government. In addition to that. I am aware that my signature on the promissory note is what created the funds for my loan which was actually paid in full but endorsed and sold without my permission or knowledge. There was no full disclosure. It was deceptive. 
12 U.S.C 1431 it outlines banks can't loan money. I do not want to participate anymore with this fictitious payment of monthly bills with Amerihome. Fraud negates all contracts and there is no statute of limitation on fraud. This is extortion and an attempt to steal my wealth. It is criminal activity. I will also be contacting the federal trade commotion followed by the Attorney General for criminal charges if this fraud does not stop. All debt are the responsibility of the United States Government. I do no owe Amerihome or XXXX anything. I attached an un notarized affidavit filled with facts that can't be rebutted. I will have it notarized before court and send a copy sent to the federal trade commotion and Attorney General to file criminal charges. This complaint only touched on a few violations. The fact of the matter is in 1933 we were took off the gold standard and the United States hold All obligations of debt not me. There is no money only faith in the currency the government provides.
Product: Debt collection

Contract Callers continues to report a debt on all three credit reports that was recalled by XXXX XXXX. This is not Contract Callers debt and they need to relive from credit reports. They have not sent any mail to me verifying this debt and are violating FCRA laws by not removing a recalled debt and not sending verification of such debt they claim I owe them.
Product: Credit reporting or other personal consumer reports

I retrieved a copy of my credit reports XXXX, XXXX, EQUIFAX and discovered an inquiry that I have no knowledge of. On XX/XX/year>, XXXX XXXX XXXX XXXX appear on my credit reports as a hard inquiry that impacted on my credit score. The pre-qualify on the website indicating No impact to your credit score. I never further applied for an auto loan with this company at this present. This should have not been a hard pull Please launch an investigation into XXXX XXXX XXXX XXXX inquiry to determine who authorized it. Upon completion, please provide written correspondence that details the results of your findings. 

If you find that the inquiry is invalid, I am requesting that it be removed from my credit report as soon as possible. But if XXXX XXXX XXXX XXXX is able to prove that the inquiry is indeed valid, please provide written proof and a description of how the investigation was conducted. 

Thanks in advance for your prompt attention to this matter. 

Sincerely,
Product: Student loan

XXXX Student Loan ( State SC ) - ( now loan moved to Aidvantage ) - I was mislead and told to go into forbearances. I owe {$71000.00} for a XXXX year in-state college ( XX/XX/11 ). This is an absurd amount. If there is anyway I can get or become part of the settlement. I was in forbearance as COVID-19 hit which is why I did not default on the loan. Any help would be appreciated.