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

I, the consumer, in fact, have a right to privacy pursuant to 15 USC 1681 ( a ) ( 4 ). My privacy is violated by the following companies : XXXX, Experian, and XXXX. I have informed the consumer reporting agency XXXX  by mail of the specific accounts they are continuing to report in violation of 15 USC 1681 ( a ) ( 4 ).
Product: Checking or savings account

On XXXX XXXX, 2017, I attempted to open an account with BMO Harris Bank online through their website. When I made it to the identity verification stage, I was presented with five questions ( knowledge based authentication ) to answer in order to verify my identity to the bank. I answered those questions correctly, but clearly my correct answers were not the answers their KBA system was looking for. The application was rejected after this stage. <P/>I 'll provide a concrete example. One of the questions asked about a leased vehicle I currently have and wanted me to choose the name of the leasing company from their list. My car is leased from XXXX XXXX. The closest name on the list was XXXX XXXX XXXX. So I chose " None of the Above '' because those two companies are different entities. Clearly that 's not the answer they were looking for, despite the fact that it is objectively the correct answer. I 've since checked my credit reports from all three credit bureaus and they all show the lease is with XXXX XXXX, not XXXX XXXX XXXX. <P/>Anyway, I called in to continue the application 1-2 days later. The phone reps were unable to continue the online application, so I had to submit a new application over the phone. I was ultimately successful in doing so and the account has been open since that time. What 's interesting is the KBA questions they asked over the phone were different ( and easier ) from the ones asked in the online application process. <P/>That said, I recently received a denial letter for the first attempted account opening. I will attach a copy of the letter. The letter is basically useless. It only states that my XXXX Score from XXXX  may have been the reason for denial, but, crucially, only if a XXXX Score is actually listed on the letter. No score is listed on the letter, so that is clearly not the reason for the denial. <P/>The letter does not state the source of the information used to deny my account opening, nor does it state any reason at all for the denial. Now, I know the reason for the denial, but I do not know the source of the information they use to generate those KBA questions. <P/>Whatever the source of that information, some of it is incorrect and I need to be able to correct it. This is not the first time I 've encountered this issue while trying to open a bank account. The banks all seem to use the same vendor to generate these questions, so I have a legal right to know the source and content of the information about me. <P/>Since the denial letter did not state the source of the information used for the account denial, BMO Harris is in violation of FCRA Adverse Decision Notification regulations. As such, I ask that they comply with the letter and spirit of the regulations and provide the information I 'm entitled to.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello I am emailing once again, my credit report is showing a negative credit remark for a late payment on XXXX. I was in forbearance during that time and working closely with XXXX XXXX from Shellpoint mortgage loss mitigations department.my forbearance was from XXXX XXXX XX/XX/2021 and we resumed payments in XXXX of XXXX. Our loan was sold from cardinal financial to Shellpoint mortgage on XX/XX/2021. XXXX from shellpoint and I worked on the forbearance and the partial claim together. I made sure to always contact him with any questions I had and asked if any negative credit remarks would be added to my credit during or after this entire process he advised me there would not. He stated all payments were taken care of properly and that the partial claim was successfully completed. I have made all my payments on time and my payments resumed in XX/XX/2021 after my forbearance me partial claim. This is negatively affecting my credit score and caused me to drop many points. I have been trying to get this fixed since XXXX of XXXX  and am still having issues and facing hardships due to this mistake they made.
Product: Credit reporting or other personal consumer reports

Its infuriating to find unauthorized inquiries on my credit report today with no apparent reason. I checked my report as I always do, but this time, unexpected discrepancies showed up. I even refreshed the browser to rule out an error, but the issue persists. I urge you to review my documents immediately to ensure this problem is addressed for good.
Product: Debt collection

ENHANCED RECOVERY CORPACCOUNT NUMBER : XXXX XXXX XXXX, XXXX, FL XXXX : XXXX. Fax : XXXX Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you notify credit collection services or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators reportPlease send me a letter explaining what you have done to : ENHANCED RECOVERY CORP INC or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I requestThank you for your cooperation. 
Sincerely, XXXX, XXXX SEC # XXXX DOB XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Product: Debt collection

I had my daughter on XX/XX/XXXX and at the time she was covered by not only my work insurance ( XXXX ) but was also covered under apple health and XXXX XXXX XXXX 
i began getting garnished in XXXX of XXXX when I started my new job for what i had thought to be my car that i sold back to the bank. I didn't look further into this until a year and a half had passed and i kept getting new letters saying I was being garnished. being a single mom working XXXX  plus hours a week it was hard for me to stop my day and look into this as promptly as I should have after finally finding the time to do so i realized that i was being garnished for my daughter 's medical bills. i had been for nearly a year and XXXX had been double covered. when i contacted XXXX they gave me the dates my children were covered, i contacted the finance company who held the debt and proceeded with the garnishment and then contacted the hospital. When contacting the hospital after nearly a month of trying to get in touch with the person in charge in the finance department, she told me " Whoops i guess we spelled her name wrong, lucky you got me. i was about to send these last two bills to collections '' and giggled her way through the conversation. i asked her what about the other bills i was wrongfully garnished for and that began my circle everyone keeps sating contact the other. untimely the hospital got my child 's spelling wrong after forgetting to even give her a name to begin with and then over charged me, not sending me any notices, then garnishing me for money that was supposed to be paid by two insurance companies
Product: Checking or savings account

i want my account closed. and remaining funds mailed to my mailing address on file. bank of america rejected a check that i had money for. it does not make sense.
Product: Mortgage

I applied for a loan modification due to a loss of income last year in which credit cards had to be used to get by. Since returning to work my family is in severe credit card debt and are having a hard time making ends meet. I submitted a loan modification with the documents on the portal several times. I called last week and was told my application was held due to child support court order which was uploaded 2 weeks prior. I spoke with a representative who confirmed the documents were received and would send to the person claiming to be working on my account. I then get a letter stating my request has been closed for missing documentation. I am very upset at this bank is terrible at customer service-always wants to verify conversations and phone numbers but has a hard time calling back for issues such as this. My family is barely getting by and this bank doesnt seem to care. All documents were sent on their portal
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concern 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 failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving using 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

I have three hard inquiries need to be removed OneMain financial XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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. I dated the previous letter I sent to the 3 credit bureaus ( XX/XX/2023 ), but I never received a response. 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 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

XXXX XXXX XXXX XXXX SS # XXXX XXXX XX/XX/XXXX ( Identity Verification documents attached ) In XXXX of XXXX, I disputed various items that were not reporting correctly on my consumer credit reports. This dispute resulted in Experian deleting the following accounts from my credit report : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX In addition, the following addresses were removed from my report as they were also erroneously reporting : XXXX. XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX. XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX  XXXX You can see these deletions on the attached file titled " Experian XXXX '' As I was recently reviewing my credit reports, I noticed that these XXXX accounts and XXXX addresses were reinserted into my consumer credit report ( see attachment titled " Experian Full XXXX ''. As you are aware, as per the Fair Credit Reporting Act 15 US Code 1681i ( 5 ) ( B ) ( ii ) and ( iii ), a consumer reporting agency has to notify a consumer within 5 days in writing that an item is being reinserted into their credit file. I never received such notice from Experian at any point since the items were deleted, yet they are back on my report.

This is a direct violation of Federal Law, and I am demanding that the information be removed from my reports as they were back in XXXX. In addition, I am including an invoice in the amount {$6000.00} for compensation for these violations as provided by the FCRA. 

Please note that failure to comply to with this request within 45 days of receipt will result in a lawsuit being filed against your company in order to get you to comply with the law, recover the penalties due to me and for damages. I am trying to amicably resolve this situation before wasting the courts ' time with your willful noncompliance of the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : 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
Product: Mortgage

Ocwen loan servicing has not given a account statements monthly ( none to date ) falsely reports on my credit report and is keeping payments in suspense. Multiple contact with this company in ref to these items, goes unchanged.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date of birth XX/XX/XXXX SS # XXXX Transunion XXXX XXXX XXXX XXXX XXXX XXXX XXXX Today date XX/XX/XXXX Account name : XXXX XXXX  To Whom It May Concern : This letter is in reference to { account number XXXX ) that your company is currently reporting to the credit bureaus under my name. The account is being reported to have a derogatory rating which is extremely troubling to me. This negative rating has caused me some serious XXXX XXXX and will continue to cause me financial and XXXX XXXX  until it is resolved. 
In researching my legal rights, I have found several items that I understand I am entitled to under these circumstances. In order to rectify this situation and ensure my rights have not been violated in any way under the various consumer protection laws, I must hereby formally demand an information request. 
I understand that The Fair Credit Billing Act ( FCBA ) requires creditors to bill correctly, that each statement be sent to the correct address, that you not ignore change of address requests, and that you facilitate disputed charges in a manner prescribed by law. The Act also stipulates that you provide lawfully requested information concerning my account upon request and in a timely manner. For that reason, I request that you please forward a notarized statement on your letterhead which will attest to your compliance to the FCBA generally and to my account specifically throughout the period I have been a customer.

I request, under the FCBA, that you include all of the following for my reference and research into this matter : XXXX. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt. 
XXXX. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit fraud against me ( you do take these precautions correct? ). 
XXXX. An itemized statement breaking down the balance you claim I owe. 
XXXX. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance with the FCBA. 
If you can not provide this requested correspondence, then please delete the negative marks you have reported to the XXXX consumer reporting agencies about me within the timely manner prescribed by law. Your prompt attention to this matter will be greatly appreciated. 
Sincerely, XXXX XXXX XXXX
Product: Debt collection

I received a letter around XX/XX/year> from this law firm stating that I owe {$10000.00} for a credit card. I never received any debt validation. I responded to their letter by sending a debt validation letter, to verify debt and all info -- including original contracts from the original creditor, amounts claimed to owe, proof of calculations of what is allegedly owed, identity of original creditor, proof that this law firm is licensed to practice in my state of Kentucky, etc. I sent the letter around XX/XX/year>. I have yet to receive any sort of validation of the alleged debt, which was also not provided to me within ten days of first contact attempt.
Product: Payday loan, title loan, or personal loan

I have used XXXX XXXX XXXX  on more than one occasion. However, the present loan seems a bit out of sorts, since I have been paying more than the monthly minimal payment for over a year, but only a fraction of the payments have been applied to the principal. I understand that lobbyists in California, and maybe even Washington D.C., have managed to legalize loansharking by circumventing common usury laws whereby paving the way for predatory lending. However, sometimes laws need to be tempered with a bit of common sense and morality. I understand that XXXX XXXX XXXX has had issues in the past with the CFPB, if not some other financial regulatory body and I feel strongly that they deserve another look.
Product: Credit reporting

XXXX OF XXXX I am writing to file a complaint against EQUIFAX because of their predatory CREDIT REPORTING practices reporting negative without providing any response from XXXX XXXX Equifax never investigated b. Non responsive c. indistinguishable letter stat that investigation completed and no change XXXX Never provided any response form creditor I am requesting that you investigate this company and take any appropriate regulatory action, including any necessary referrals to state agencies. It is important that we put an end to these types of deceptive and unethical business practices. 

If you have any questions or need additional information, please contact me at the address listed below. 

Thank you for your assistance.
Product: Debt collection

Hello, My name is XXXX XXXX. I am writing to you guys because CAVALRY PORTFOLIO SERVICES is trying to collect a debt that I do not owe. They have never verified the debt with me and I have told them I am not responsible for this debt. They are inaccurately reporting this debt to my credit report which is stopping me from acquiring a house. Please have them remove the account from my credit report as soon as possible, if not I will have to result to pursue legal action. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. ***
Product: Credit reporting or other personal consumer reports

Im disputing information on my credit report. Pursuant to FCRA 605B Im including exactly what youre requesting. Proof of my identity, accounts which are involved with the theft & a copy of a completed & submitted FTC identity theft report. Im complying with the letter of the law & what youre required to have to honor my 605B request. 


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

I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # XXXXand contacted the police department and obtained a police report # XXXX which both are attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : Account Name XXXX  XXXX XXXX {$1700.00} Date Opened XX/XX/XXXX XXXX XXXX XXXX {$2100.00} Opened XX/XX/XXXX XXXX XXXX XXXX {$810.00} Opened XX/XX/XXXX XXXX XXXX {$1400.00} Opened XX/XX/XXXXXXXX XXXX {$780.00} Opened XX/XX/XXXX XXXX
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 ( XXXX ), 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. 

XXXX XXXX XXXX DEPTEDXXXX  XXXXXXXX XXXX XXXX XXXX XXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX DEPTEDXXXX  XXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX  XXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXXXXXX XXXX XXXX  XXXX INQUIRIES : XXXX XX/XX/year> XXXX XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and i have not received any investigation results
Product: Debt collection

Account : XXXX ( XXXX ) My name is XXXX XXXX, and I am a federally protected customer creating a complaint against American Education Services for XXXXommitting identity theft and violating many of the laws set forth in the FCRA. I have never given American Education Services my consent to use any of my identifying information to commit mail fraud by contacting me about an alleged debt that they claim that I owe. Pursuant to 15 USC 1692c ( c ) I am legally refusing to pay this erroneous debt. I am demanding a cease and desist of all illegal activity, any communications or collection activities, and any alleged debts until AES can provide me with sufficient documentary evidence that there is any legal obligation to pay them. If the required evidence can not be produced and AES chooses to continue it's collections efforts, I will file for litigation for actual damages caused and AES will be help criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud and mail fraud. Upon receipt of the documents herein and of this notice, you are notified pursuant to UCC 1-202f. Your immediate attention is both required and requested.