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

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX # XXXX - BALANCE {$540.00} XXXX XXXX  # XXXX - BALANCE {$420.00} XXXX XXXX # XXXX - BALANCE {$310.00} Unauthorized inquiries 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 XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/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 XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

I am writing to show concern with Zelle and their handling of recent disputes, particularly in the CFPB lawsuit highlighting lots of significant flaws with the platform. Zelle has failed to investigate my claims, even though Ive constantly raised issues with my financial institution. They reported that recovering lost funds would be impossible. The CFPBs findings indicate that Zelle is letting exploitation happen in their face, but also neglect to protect their platform users.
Product: Credit card

My complaint of fraud and massive crime is against Chase. No matter what I do or Chase does, fraud still occurs on cards they issue. They would only give me records for one month at first so I could remove fraud. They stopped at three years of records after days and days and days of fighting with them. I can no longer do business with Chase. They are a fraud conduit.

Bottom line they know there is 100 % fraud on their false charges. They need to be closed down. It is not safe to bank over the internet.

To be clear, there is 7 plus years of fraud on my card
and they will not remove it, Chase has made the process impossible. I tried to negotiate with them many times. They told me they do not do that anymore.
Product: Bank account or service

Due to the unfortunate fact that XXXX XXXX of US Bank completely ignored the evidence I submitted and answering my question for Case number : XXXX, I am resubmitting this document a second time, as a new complaint in regards to my problem with US Bank. And, like XXXX XXXX has asked to me, I ask him to read this and the document very carefully. 

I opened up a checking account in XXXX and then two CD accounts in XXXX, both at the Yellow XXXX office of US Bank. At both times they were under the aegis of XXXX XXXX, although a second manager handled one of not both of the CDs, under her supervision. 

It is my contention that I opened the CDs with all mailing to go to my Vermont address. 
It is US Bank 's contention that I never did any such thing. They have provided me signature cards as the only evidence of this. 

I have asked US Bank for more evidence than these " signature cards '', namely the full data set for me, due to the fact that during the account opening, I was asked numerous questions all of which the bank manager typed into the computer. During a phone conversation with XXXX XXXX, he offered to research this and discuss " whether ( he ) could do so '' with their lawyers, and said that it could take up to six weeks. I told him to take the time he needed. However, within two days of that, I received in the mail copies of the signature cards, and nothing more. When I contacted XXXX XXXX about his offer to research more deeply, he said he had never done any such thing. 

It is US Bank 's contention that I never contacted them or informed them about a Vermont mailing address until some time in XXXX. Assuming that I did this, the address was not fully corrected even as late as XXXX XXXX, even despite XXXX XXXX own intervention in XXXX of XXXX. As late as XXXX XXXX, I received no maturity notice for a CD coming due on XXXX XXXX. I wo n't repeat the many times I had not received XXXX and had to call in for them. For these errors I only have received apologies from XXXX XXXX, but no explanation. 

The evidence that puts into question XXXX XXXX repeated assertion must unfortunately be submitted here again : a bank statement from US Bank, dated XXXX XXXX. It is for the checking account that XXXX XXXX, in his XXXX XXXX response to my complaint [ Case number : XXXX ], says ONLY was signed for either a XXXX XXXX address or the XXXX XXXX address. And if, as he also contends, I never called US Bank until XXXX to inform them of my Vermont XXXX, how does he explain this statement of XXXX with my Vermont address? 

XXXX XXXX, in his XXXX XXXX response, states once again that US Bank had no notice of an address change until my call of XXXX. If that is the case, then he must at least respond to this bank statement of XXXX XXXX and state how it is possible that US Bank had my address then? ( And possibly earlier. I only have access to XXXX XXXX online. ) His previous unwillingness to answer this important question does not resolve the matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit reports is no correct
Product: Credit card

I made a purchase through XXXX XXXX using their offer of credit with no interest if paid within 6 months. The purchase was paid in full within the allowable time. Payment in full was made in excess of 1 1/2 years ago then the account promptly closed. The credit card was with Synchrony Bank. Recently I received a promotion from Synchrony Bank referencing my account. When I called they stated that the account was closed, but I came to realize that all of my personal information, INCLUDING SOCIAL SECURITY NUMBER, remained in their data base. A request to delete my information, especially my SS Number, was rejected by multiple people at the organization.
Product: Credit reporting or other personal consumer reports

XXXX and Equifax credit reports have my name as XXXX XXXX not XXXX XXXX and its been legally changed since XX/XX/2018 by the state of New York XXXX XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX / XXXX XXXX XXXX XXXX XXXX {$870.00} The account was settled and paid, but this remains on my credit report as a collection. 


EASTERN ACCOUNT SYSTEM / XXXX XXXX   {$190.00} The account was paid in full, but this remains on my credit report as a collection.
Product: Credit reporting

I have submitted several credit applications, and have been rejected and have a declining scoreThere is a XXXX XXXX listed, never lived in a XXXX XXXX XXXX my current address XXXX XXXX, Ct XXXX
Product: Debt collection

I asked for proof of my signature saying I apply for these credit cards and XXXX XXXX XXXX keep on verifying it without proof
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, incorrect information is being reported to my personal credit file. The XXXX, XXXX and TransUnion Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. XXXX, XXXX and TransUnion have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
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 XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XX/XX/2021
Product: Credit reporting, credit repair services, or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

please find attached the creditor letters for which they have approved to remove the inaccurate late marks from my credit, please help me to have XXXX remove these negative marks remove as well, the other XXXX bureaus have already removed except experian, i have tries to upload these letters to XXXX but they are not willing to remove, even though the creditor has removed all the negatives please help me to remove from XXXX thank you
Product: Mortgage

We took out a loan in XX/XX/2006 with Beneficial Financial in the amount of {$10000.00}. We were paying on the loan and they went under. We received paperwork in the mail stating that they were in a lawsuit we were owed back money and no longer paying on the loan. Fast forward 12-13 years and we are selling our house. To our surprise, we have a lien on our house. This company is out of business and we have NO way of getting in touch with them. No letters stating our loan was transferred, no other debt collection process happened. 

Reconveyance of the Deed of Trust, dated XX/XX/2006, filed XX/XX/2006, in Instrument No. XXXX, to XXXX XXXX XXXX XXXX   XXXX, Trustee and Beneficial XXXX XXXX XXXX, Beneficiary, stating that it secures a debt in the principal amount of {$24000.00}. 

PLEASE HELP?! We would like to rectify this by either paying what is due ( if there is anthying small ) and getting a release of mortgage.
Product: Credit reporting or other personal consumer reports

If a consumer notifies a debt collector that the consumer refuses to pay a debt the debt collector must cease all communications. 

reporting to consumer report is a form of communications! 
CBNA Account # XXXX
Product: Vehicle loan or lease

Got behind a few payments, and without any heads up card was repossessed with purse, laptop, tools, radar detector, everything inside of it upon finding out who repossessed it we showed up to get our personal items out of it and found that quite a few things were missing the laptop purse, XXXX sunglasses, an radar detector were all stolen along with quite a few tools and the tow truck driver said he didn't even know who picked it up. We contacted Wells Fargo. They told us that it was unable to be reinstated no matter how much we could pay and that since it was repossessed, there was no way to get the car back unless we paid it in full the entire owed amount on the loan plus the repossession fees, and all this other charges and everything and they didn't help us at all with anything about the stolen items in fact, we never got anything from them not from Wells Fargo not the tow truck agency no one helped us and we didn't have a vehicle. I come to find out that there was a class action lawsuit against Wells Fargo, that they lost due to they are unfair practices with car loans and repossession fees. In terms I have not been contacted by Wells Fargo but I am I am sure that I should have been a part of that settlement and I don't think they did their due diligence and trying to contact me, nor wanted to pay me for anything that I didn't fight for first.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX. Date of Birth XX/XX/XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Ohio XXXX. 
My Transunion report show my score is XXXX. It lists all creditors that I have file bankruptcy with. They are using this against. It is charged off. However, it does lists XXXX XXXX, XXXX MasterCard, XXXX XXXX. It does not list the 2 only other creditors I currently have : XXXX XXXX Visa Card and XXXX XXXX. 

Transunion File Number XXXX My Number is XXXX. 

Thank You
Product: Mortgage

Freedom Mortgage continues to claim in a later I recently received dated XX/XX/2022 that I do not have insurance coverage for my house and is going to purchase it on my behalf. Freedom Mortgage claimed that they attempted to reach my insurer, XXXX, for this information, but have been unable to provide a good faith effort that they did in fact do so. Freedom Mortgage provided me with a website to upload the proof of insurance, XXXX XXXX XXXX. This website does not work. I tried to access it many times. I then emailed Freedom Mortgage through their secure message system a copy of my insurance documents and asked them to confirm receipt. They failed to confirm receipt and said my inquiry will take 2 weeks of " additional research ''.

I am convinced that Freedom Mortgage is engaged in predatory behavior where they are purposefully failing to recognize my insurance documents in order to purchase an insurance policy on my behalf at an exorbitant rate. This conduct is completely unacceptable.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX, MN XXXX Subject : Formal Dispute of Collections Account # XXXX To Whom It May Concern, I am writing to formally dispute the collection claim associated with XXXX account number XXXX, which has been placed under your agency 's management. The amount in question is {$910.00}. Pursuant to my rights under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692 ), I request verification of this debt, including a detailed accounting of the charges and proof that I am legally obligated to pay this amount. 

Additionally, I request : - A copy of the original agreement with XXXX that proves my responsibility for the debt. 
- An itemized statement of the charges leading to the total balance. 
- Evidence that your agency has the legal right to collect this debt. 

If you can not provide sufficient documentation validating this debt, I request that it be removed from my credit report immediately, as reporting unverified information violates the Fair Credit Reporting Act ( 15 U.S.C. 1681 ).

Please provide a written response within XXXX days of receiving this letter. Failure to validate the debt may result in a complaint being filed with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ). 

Enclosed with this letter are copies of relevant documents supporting my claim. 

Thank you for your prompt attention to this matter. I look forward to your response.
Product: Checking or savings account

On XX/XX/year> my debit card was billed for {$30.00} ( the monthly cost ) for XXXX. I was aware that my account would be charged on XX/XX/XXXX so I refused to add funds to my checking account for the month. After XXXX XXXX  had made several attempts to credit my account and was unsuccessful, I made a deposit to pay other bills, I noticed that I was charged. I immediately called XXXX to request a refund and to cancel my account but was told to contact XXXX XXXX. I contacted XXXX XXXX XXXXXXXX to dispute the transaction but my bank did not rule in my favor. Although, XXXX didn't cancel my account until XX/XX/year>, I have not received a refund. When I reached out to XXXX XXXX  online, they claimed to issue a refund that would be credited back to my debit card within 7 business days but was reversed and I was not given an explanation as to why I did receive the refund. I did not use the subscription and I should have be refunded.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account is in violation of not reporting 100 % accurate. 

The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification-Description of reinvestigation procedure.
Product: Credit reporting or other personal consumer reports

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX Bankruptcy XXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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 Account Name : XXXX XXXX XXXX XXXX XXXXXXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Transunion should not be reporting me as an authorized user on the XXXX XXXX XXXX partial account number ***XXXX. ( Please see page attached from my credit report. ) I called the bank and let them know that I did not give permission to be added as an Authorized User on this account. I have contacted the bureaus to fix this however, I have not been successful. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report and this negative reporting is harming my credit score and the line item needs to be removed from my credit report.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. XXXX, Equifax and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX XXXX Balance : {$16000.00}
Product: Credit card or prepaid card

I am writing today in regards to my account with Capital One account # XXXX. The reason for writing today is in regards to the late payment which is showing on my report in XX/XX/2021, due to Covid I was unable to make the payment in XX/XX/2021. As soon as I was able to, I got my payment made and caught up.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated.

These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of accounts/items which do not belong to me or were opened without my permission. 

Account : XXXX XXXX XXXX Opened Date XX/XX/XXXX Balance {$0.00}. 

Inquiries : 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 XXXX XX/XX/XXXX, XXXX  XXXXXXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXXXXXX XXXX XXXX XX/XX/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 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, and XXXX XXXX XX/XX/XXXX. 

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.