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

Jefferson capital has failed to verify the debt that they claim I owe for fingerhut I am currently paying fingerhut directly for my account and do not believe to owe them nor do I have any type of contract with them. The credit bureau has not done a formal investigation into my dispute as they do not request proper verification.
Product: Mortgage

Hello ShellPoint I received a call from a company that assist with modifications. 

The indicated there is a pending foreclosure recorded XX/XX/2021. 

The foreclosure is pending recorded by XXXX XXXX XXXX The foreclosure document is not recorded by ShellPoint. 

Are you aware of foreclosure default document recorded. 

I am trying to understand what is going on Help
Product: Credit reporting, credit repair services, or other personal consumer reports

Regarding reporting to the credit bureaus, this is very disturbing to me that when I called to get information about my accounts to XXXX XXXX in XX/XX/XXXX, I was assured that there would be no reporting of any negative actions until around early XX/XX/XXXX or after, if my account was not made up to date ; however, when I looked into my credit reports XXXX XXXX already started reporting to XXXX and XXXX that my account was past due 30 days on XX/XX/XXXX, which is much earlier than what I was informed it would be reported. The information was reported early to Experian on XX/XX/XXXX. XXXX should have also stopped reporting by XX/XX/XXXX, yet they continue to excessively report it at 120 days 3xs this excess reporting needs to be removed from the account immediately. 
Additionally, another alarming detail is that although my account was closed in XX/XX/XXXX, which I was informed after the fact, then why was there additional reporting to the credit bureaus that my account was late after it was closed ; why? my account should have been reported as closed and reporting should have stopped ; yet my account was reported late for 6 months including 2 months of reporting before it was supposed to be reported as late and an additional 4 months after it was supposed to be closed. 
This early and unnecessary reporting has caused damage and rapid decline to my credit score. 
Please remove these excess reporting by XXXX XXXX and the Credit Bureaus off of my credit report. 
Please correct this matter to all three credit bureaus immediately and correct reporting to credit bureaus by erasing reports before and after XX/XX/XXXX, which is when the account was supposedly " closed. '' I have brought up other issues with this credit card account with XXXX XXXX, previously.
Product: Debt collection

FAILED TO VALIDATE DEBT AND WENT ON CREDIT REPORTS IN VIOLATION OF FCRA.
Product: Debt collection

Upon recent review of our credit reports we discovered a collection account being reported for XXXX XXXX. I immediately submitted a dispute to all 3 credit bureaus for both my husband XXXX and myself. I also sent FCO a request for verification. FCO sent us a huge packet dated XX/XX/2021 with information from XXXX XXXX attempting to collect {$910.00} In response to this newly discovered information, I sent both companies a certified letter contesting these alleged charges. Neither company has responded. Yet, FCO continues to verify this account as accurate on our credit reports. Per the FCRA it is illegal for anyone to furnish inaccurate, unverifiable information to any credit reporting agency. Which they are doing. NO debt is owed. In fact XXXX XXXX is committing Fraud. By attempting to charge illegal fees which they know to be false with no proof. XXXX XXXX failed to comply with the AZ landlord tenant and owes us a refund of our security deposit. If they continue to pursue this invalid claim against us we will pursue damages in XXXX court for their willful violations of the FDCPA and FCRA, As well as seek compensatory damages for two times our security deposit. Consumer protection laws exists to prevent companies from taking advantage of consumers. Both companies need to be held accountable for their illegal business practices.
Product: Credit reporting or other personal consumer reports

Re : Dispute of Unauthorized Furnishing/Access of Credit Information for Closed Accounts To whom it may concern I am writing to dispute the reporting of the following accounts on my credit report. These accounts are reported as closed, and I assert that I never provided written consent to these entities to furnish or obtain my credit information, as required under 15 U.S.C. 1681b of the Fair Credit Reporting Act ( FCRA ). 

Disputed Closed Accounts : XXXX XXXX Account Number : XXXXXXXX XXXX Account Number : XXXXXXXX XXXX XXXX  Account Number : XXXX XXXX  XXXX Account Number : XXXX Under the FCRA, a permissible purpose is required for any entity to access or furnish my credit information. I have no record of authorizing these entities to report or access my credit file, particularly after the accounts were closed. Additionally, I challenge the accuracy of any reported information associated with these accounts. 

Requests for Investigation : Verify Authorization : Provide documentation demonstrating that each entity had written consent or another permissible purpose to furnish or access my credit information.

Confirm Reporting Accuracy : Investigate the accuracy of all information reported for these accounts, including account status, balances, and payment history. Delete Information : If the investigation finds that these entities lacked permissible purpose or that the reporting is inaccurate, I request immediate removal of the disputed entries from my credit report. 
To assist in your investigation, I have enclosed : A copy of my credit report with the disputed accounts highlighted. 
A copy of my government-issued ID for identity verification. 
A utility bill or other document confirming my current address. 
I request a written response to this dispute, including the results of your investigation, within 30 days as required by the FCRA. If the disputed information can not be verified or is found to be inaccurate, I expect it to be deleted promptly from my credit file. 

Thank you for your prompt attention to this matter. I look forward to your resolution of this issue. 

XXXX XXXX XXXX ]
Product: Credit card

XX/XX/XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, Ohio XXXX RE : Case XXXX Dear XXXX : I spoke with you on or about XX/XX/XXXX about not being able to get my XXXX back from Key Bank which was to be used as a hold or initial payment to open a XXXX XXXX XXXX Account. This is a year long program. I did not start this until XX/XX/XXXX not XX/XX/XXXX as per the statements that I was able to print off from my account on XX/XX/XXXX from your website. I suspect that this was forged. For some reason, your website would not allow me to print off the actual statements from XX/XX/XXXX through XX/XX/XXXX but I do have that information because I printed it all off several months ago. Additionally, your office was kind enough to send me copies of my statements and they all correlate with the fact that I started this program in XX/XX/XXXX and ended it in XX/XX/XXXX. They did not send me anything from XXXX because I did not open this account in XX/XX/XXXX. Very Strange. 

So, what did you come up with? The bottom line is this, I could not have opened this account if I had not given Key Bank the XXXX to HOLD until I completed the program. I paid for everything just the way I was supposed to. Infact, I believe that I over paid a few times and never was compensated even though I brought it up several times to customer service but they ignored me. 
This is probably why they gave me a so-called gift of XXXX on my checking account on XX/XX/XXXX. I mean, what bank gifts you money unless they did something wrong? 



This whole thing is just wrong in so many ways and I do not understand why Key Bank is so stubborn about it. It really makes no sense. If there is something I did, they need to explain this to me. Key Bank had several chances to explain to me as to why they would not give me back MY XXXX dollars which was basically a form of collateral to be paid back to me after I completed the year long program. 

I need an answer to this issue ASAP. I filled out another form online asking for you to respond by XX/XX/XXXX or I would go ahead and report this to the XXXX XXXX XXXX XXXX. I am going to go ahead and do this now and file a complaint with The Consumer Financial Protection Bureau. I cant sit around waiting any longer. I am low income and XXXX means a lot to me. I want it back immediately. 

Sincerely, XXXX XXXX XXXX : XXXX XXXX XXXX XXXX  Consumer Financial Protection Bureau
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 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 or other personal consumer reports

XXXX XXXX XXXX XXXX XXXXXXXX has been a victim a of identity theft and this needs to be deleted/ blocked immediately. I have enclosed proof of identity, a letter requesting this be blocked/ deleted, FTC Report Number : XXXX and a copy of fcra 605B you are required to delete/ block this from my report within 4 days of recieving this
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Equifax several times regarding an account that does not belong to me and was not authorized by me. I have been a victim of identity theft and provided Equifax with a police report explaining the account was fraudulently opened up. I have also contacted the company directly and they have acknowledged the account was fraudulent and have released me from the obligation of paying it. I forwarded this letter for deletion directly to Equifax along with my police report, social security card, passport, utility bill and cover letter and they continue to inaccurately report this account on my credit report. I demand that they remove this fraudulent account from my credit report. The company has agreed to remove the file from my report, the police report explains I have been a victim of identity theft and Equifax still refuses to remove the account. Account : XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite several written requests, the ITEMS stated below continue to appear on my credit report, in violation of the FCRA. The Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the period specified by law, they failed to adequately investigate the situation by using a third party as their verification provider, and they continued to report unconfirmed and unverified information. Given my attempts to address it directly with three CREDIT BUREAUS, they are intentionally negligent and in violation of federal statutes, and I need this situation resolved soon. Please delete the following elements from my file : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX  XXXX, FL XXXX XX/XX/XXXX ; XXXX  XXXX Balance : {$3800.00} ; XXXX XXXXXXXX Balance : {$13000.00} ; XXXX  XXXX Balance : {$1400.00} ; XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX  XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made all my payments within the month of requirements. I was not late over 30 days for any month I was working. If they are correct which I doubt because my loan payment is up to date. I am asking of goodwill to please fix as I may have had a hard time and wanting to change my job so it may have went pass the date required. Over all Im grateful and want to have better credit for when I return for another toyota.
Product: Credit reporting, credit repair services, or other personal consumer reports

Following a recent review of my credit report at the Equifax, XXXX and XXXX  consumer reporting agencies, I learned that XXXX XXXX XXXX ( account number XXXX ) ; XXXX XXXX ( account number XXXX ) and XXXX XXXX ( account number XXXX ) were reporting delinquent 30 days when this was not the case. In fact, the accounts should report paid as agreed with no delinquency whatsoever. 

I contacted the creditor and credit reporting agencies and was advised that the account would be updated and any prior delinquencies would be removed as said delinquency was no fault of mine. To date, this - apparently - has not been done and my credit score has been severely impacted. 

Please investigate my concerns and compel the creditor to correct my account with them. As an account holder since 2000, I deserve more.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint because I see that Experian 's Privacy Policy states : We share your personal information with third parties you expressly authorize, consent to authorize, consent to, or direct us to share your information with. I did not provide Experian with any written authorization, consent or instructions to accept, furnish, or report information on my behalf.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and XXXX are reporting past due on the OneMain account that has a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit score. I have disputed this directly with the two bureaus and still this has not been corrected. It is impossible to be late on payments that have a {$0.00} balance and {$0.00} past due.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I checked my Equifax credit report on XX/XX/2022 I noticed that account information and reporting history was removed from my credit report without my consent or authorization. The accounts are the following : XXXX. XXXX - XXXXXXXX XXXX 
XXXX. XXXX XXXX. 
XXXX. XXXX XXXX 

I followed up this unauthorized removal with a dispute letter for positive re-insertion. The dispute letter was date XX/XX/2022. The letter was tracked using certified mailing services via USPS. The letter was signed for by Equifax Credit Information Services Inc on XX/XX/2022. 

I have not received a response from Equifax nor seen the accounts re-inserted onto my credit report. It has been over 30 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

This happens to be an ongoing issue that has been happening since XXXX almost 1 year now of being scammed and my credit card charged over {$6000.00} that this guy XXXX who claims he was a XXXX representative who scammed me out of {$6000.00} plus money from my credit card in which I refuse and will not pay because XXXX is what he told me his name was scammed me. I have been going back and forth with Wellsfargo about this and how this has affected my credit which my credit was High XXXX 's, now it has dropped to XXXX 's. I spoke with the Executive Office of Wellsfargo ( XXXX ), he opened up another claim for me in which I gave him a little more information. Once again I am not paying this amount that was charged on my phone in which this XXXX person had me download this app in which he entered my phone and was able to navigate through my bank informing. His initial attempt was to help me get {$500.00} back from someone that I was scammed from may a month earlier, I was scammed 2 times within the same month {$500.00} and also this {$6000.00} plus which I am not paying that at all, I can not afford that why would I wire something somewhere I have no idea who these people are. I have texts from this person who did this to me telling him I hope you are not scamming me, all I want is my {$500.00} back ( Fake XXXX representative ). Who turned XXXX into over XXXX. Once again I will die oweing this money because I do not have XXXX to pay anyone PERIOD.
Product: Checking or savings account

Iam writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized. I was charged fees due to lagged posting of charges and credit. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balance despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Debt collection

Prime Recovery LLC, has text me several times. I have demanded verification of my consent for them to contact me via a reply to their text and it has been ignored. Prime Recovery has violated 15 U.S. code 1692c ( a ), I did not specifically give Prime Recovery LLC consent to contact me. Also the text were sent at an unusual time, their assumption of a convenient is incorrect for me. I do not have a debt with Prime Recovery LLC and will not tolerate their harassment.
Product: Credit card or prepaid card

Called to get replacement card. Was told the new card could not be mailed due to some previously returned mail. Spoke to Supervisor, was told nothing was returned. Then when they tried to request a replacement card, it showed again - some returned mail, no information on what and when was returned. The address on account was CORRECT, but they demanded Primary card holder to confirm the address. Now representative has no information on WHAT was returned. 
Apparently they do not have their record straight. 
Now they asked me to go to mobile app to confirm - and again - a problem. 

I am spending over an hour requesting a replacement card. 

Poor customer service. 
Representative name XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS they are willful negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, KY XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, AL XXXX ; XXXX XXXX C XXXX XXXX, AL XXXX ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$100.00} ; 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XX/XX/XXXX ; 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
Product: Credit reporting or other personal consumer reports

I have not supplied under the doctrine of estoppel by the silence of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. ( please remove these accounts before I seek litigation for defamation of character ) XXXX XXXX XXXX balance {$29000.00}, XXXX XXXX XXXX balance {$3800.00}, XXXX XXXX XXXX balance {$2500.00}, XXXX XXXX XXXX balance {$6200.00}, XXXX XXXX XXXX  balance {$6300.00}, XXXX XXXX XXXX balance {$5000.00}, XXXX XXXX XXXX  balance {$4200.00}, XXXX XXXX XXXX balance {$27000.00}, XXXX XXXX XXXX balance {$3600.00}, XXXX XXXX XXXX  balance {$3900.00}, XXXX XXXX XXXXXXXX balance {$5300.00}, XXXX XXXX XXXXXXXX balance {$3400.00}, XXXX XXXX XXXXXXXX balance {$3300.00}, XXXX XXXX XXXXXXXX balance {$1100.00}, XXXXDEPT OF ED balance {$26000.00}, XXXX/DEPT OF ED balance {$4100.00}, XXXX/DEPT OF ED balance {$28000.00}, XXXX/DEPT OF ED balance {$6100.00} , XXXX/DEPT OF ED balance {$1100.00}, XXXX/DEPT OF ED {$4900.00}, XXXX/DEPT OF ED balance {$3800.00}, XXXX/DEPT OF ED balance {$3900.00}, XXXX/DEPT OF ED balance {$5200.00}, XXXX/DEPT OF ED balance {$3400.00}.
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 unfeasible. The CFPBs finding indicate that Zelle has not only neglected to protect consumers but had 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.