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

I sent my letter off on XX/XX/2023. I told the credit bureaus to " investigate every piece of information '' on the accounts I have listed below. Also, I have attached the letter INFO I sent out, and here is the Tracking #. XXXX AND XXXX According to the FRCA The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

They stated my account was verified but how is that possible if they did not do a proper investigation according to the law? Also, every piece of information on these accounts are still not reporting 100 % Accurate. 
And according to the FRCA 15 USC 1681, everything has to be 100 % Accurate. I HAVE THE CREDIT REPORT SHOWING THE inaccuracies. 

XXXX XXXX  XXXX # XXXX
Product: Mortgage

In the XXXX XXXX XXXX I worked with my XXXX XXXX insurance agent to change my homeowners insurance plan. The agent said this plan would take effect in XXXX and that I would see a decrease in the monthly premium and therefore a lower mortgage payment. Fast forward to XXXX and my monthly payments went up ~ {$30.00}. I used New Rez 's webform to inquire as to why this happened and have followed up twice, but in the past 6 weeks have heard nothing. I hate using this medium to get answers out of them but it seems to be the only way to get them to answer questions. 

I'll also add in that in early XXXX  New Rez failed to pay my insurance company ( from my escrow account ) in XXXX resulting in my insurance company threatening to suspend my insurance. Then New Rez ended up telling me they were going to take out a policy on my house themselves and charge me for it all due to their own inaction. 
( XXXX  this second one has been resolved ( XXXX XXXX  got New Rez to transfer the payment ) but I'm including it as, lacking any evidence to the contrary, I have a sneaking suspicion that it is related to the above )
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX on XX/XX/XXXX under the account number XXXX and a collections account opened at DEPT OF EDUCATION/XXXX XXXXon XX/XX/XXXX with a balance of {$410000.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX . These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Mortgage

I hold a mortgage on my home with Fifth Third Bank. The bank placed a hazard insurance policy on my home XX/XX/2023. Since XXXX, I have made XXXX request for the bank to send me a " FULL DISCLOSURE '' of the insurance policy. As of today, XXXX 2023, the bank has refused to do so.
Product: Checking or savings account

On XX/XX/year> I received texts asking if I had made XXXX charges ( {$94.00} & {$130.00} ) to XXXX XXXX  that were large. If I had not to reply NO. I had not so I replied no and called per the response. They froze my card and stated they would block the charges. They stated to change my password and would send a new card out. I agreed to this and was very happy with them. They said IF the charges happened to go through which wasn't likely that I could then dispute the approximately {$220.00} in charges and they would reimburse as I had confirmed the fraud and called and reported the fraud right away. The charges did end up hitting my account which I was not happy about but I did as instructed and disputed right away thinking the matter would be resolved right away. I was shocked to receive an email saying that the claim was denied because I " frequently use XXXX and that I continued to fund this account after I saw fraud ''. First of all, I have NEVER used XXXX XXXX. I have used XXXX 3 times in a year for around {$20.00} each time. Never XXXX XXXX. The continued funding of the account was a direct deposit from my employer which was something that I can not control. I intent after this to change banks but it takes a few cycles to update direct deposit and this went through days after this occurred, there was no way for me to control it. Lastly, they did not contact XXXX XXXX  at all during the course of their investigation. I have appealed this decision and their email stated that I needed to provide more information but that they can not tell me what to provide. I have given them the screenshots of the texts showing I responded saying I didn't make the charges and told them look at the call logs and listen to the recordings. I am not sure what else to do. Also, their policy verifies that there is a zero liability policy if you report the fraud within 60 days which they are now in violation of. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I DO NOT HAVE A LEGALLY BINDING CONTRACT WITH THIS COMPANY. This Collection must be reported in error. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611, you MUST delete this immediately. Please provide me with the Validation of Debt and stop reporting it without XXXX. Additionally, there is no name associated with this file & needs to be deleted due to inaccurate information. PLEASE DELETE. 

Original creditor : XXXX Date opened XX/XX/2021 XXXX {$380.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I keep sending letters to Equifax to fix an account that is wrong on my credit report. The account with XXXX XXXX was paid in the summer of 2020, but Equifax has the account reporting as derogatory. It is not showing that the account is paid. I need to get this fixed.
Product: Credit reporting, credit repair services, or other personal consumer reports

These credit bureaus negligently aren't looking to falsely reporting incorrect data. Disputed already and are acknowledging improper following on my consumer rights. Attempted to get this removed off my record for breaking multiple US code rights. XXXX XXXX : XXXX. As you are able to see below this account is in clear violation of 15 U.S. Code 1681e - Compliance procedures. Which clearly states that Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures TO ASSURE MAXIMUM POSSIBLE ACCURACY of the information concerning the individual about whom the report relates. HAVE THESE INACCURATE AND UNVERIFIABLE INFORMATION REMOVED FROM MY CREDIT PROFILE ALONG WITH ACCOUNT. As you can see below this account is in clear violation of 15 U.S. Code 1666b - TIMING OF PAYMENTS. Which clearly states A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date HAVE THESE INACCURATE AND UNVERIFIABLE INFORMATION REMOVED FROM MY CREDIT PROFILE ALONG WITH ACCOUNT. As you can see below this account is in clear violation of 15 U.S Code 1692g - VALIDATION OF DEBTS. Which clearly states The validation notice must inform consumers that, among other things, the debt collector will verify the debt if the consumer disputes it in writing and that, upon the consumer 's written request, the debt collector will provide the name and address of the original creditor. HAVE THESE INACCURATE AND UNVERIFIABLE INFORMATION REMOVED FROM MY CREDIT PROFILE ALONG WITH ACCOUNT. As you can see below this account is in clear violation of 15 U.S. Code 1681a ( D2 b ) - Definitions ; rules of construction - Exclusions. Which clearly states the term consumer report does not include any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device HAVE THESE INACCURATE AND UNVERIFIABLE INFORMATION REMOVED FROM MY CREDIT PROFILE ALONG WITH ACCOUNT.
Product: Credit reporting, credit repair services, or other personal consumer reports

These credit inquiries listed below are not mines. 

XXXX XXXX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX Automobile Dealers, XXXX XXXX XXXX XXXX XXXX, XXXX   XXXX  ( XXXX ) XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Auto Financing Companies XXXX XXXX XXXX XXXX, XXXX  XXXX BYMAILONLY XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Bank Credit Cards XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Auto Financing Companies XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX ( XXXX ) XXXX XXXX XX/XX/XXXX XX/XX/XXXX Auto Reseller XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  ( XXXX ) XXXX XXXX XX/XX/XXXX XX/XX/XXXX Credit Unions XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX BYMAILONLY XXXX XX/XX/XXXX XX/XX/XXXX Credit Unions XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX BYMAILONLY XXXX XX/XX/XXXX XX/XX/XXXX Credit Unions XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX BYMAILONLY XXXX XXXX XX/XX/XXXX XX/XX/XXXX Tenant Screeners ( Reseller ) XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX  ) XXXX XXXX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX Auto Financing Companies XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX   XXXX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX Credit Unions XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX/XXXX   XX/XX/XXXX XX/XX/XXXX Credit Unions XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX
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 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 findings indicate that zelle has not only neglected to protect consumers but also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Debt collection

XXXX XXXX popped up on my credit report a few years back owing $XXXX. Since I was and still am a current client of XXXX  I asked them how I could possibly owe a delinquent account and I'm paid current amount. I had moved, they didn't transfer the account  correctly. It was corrected. This account and amount that another creditor just randomly threw on my credit report.  It is not owed. It has never been owed.  It was a mistake on XXXX  part and XXXX  fixed it.
Product: Debt collection

An expired magazine subscription from 2years ago, through XXXX, was re-subscribed without authorization and charges put on a credit card used at that time. The order was canceled and the credit card account closed after finding out the charges were put on the card, but credit card company still says we owe them for the charges. Many attempts have been made to credit card company and the subscription company about situation, even filed complaint with New York atty. gen., but haven't heard back from atty. gen. Last notice via mail from credit card company still shows we " owe '' them money, from charges made by the magazine subscription company through XXXX, that were not authorized. Magazine company essentially committing identity theft. Credit card company is adding late fees.
Product: Mortgage

I lost my job in XXXX and asked for a forbearance which was granted for three months. Arvest Central Mortgage advised me that I did not need to make any payments until XX/XX/2019. I did make a small payment in XX/XX/2019 which was never applied to my account. I called in XXXX to set up a repayment plan and was advised that I could not make any payments and if I did it would be returned. I sent in the hardship application on XX/XX/2019 ( which was still within the month I should have been able to make a payment plan ) I was offered a six month verbal repayment but it was too large for me and I asked if I could not do the hardship that I could still do the six month and was advised that I could. I have tried to resolve and was declined for repayment and then approved and then upon doing a new application so I could have more time to get the required XXXX down payment together. This is just a brief overview. However I never received notice of a foreclosure action. As a XXXX  I discovered this on my own through court records but never from Arrest. Yesterday, XX/XX/2019 i received a letter declining my request once again even though I have saved the downpayment and can make the payments. Please advise. Sincerely, XXXX XXXX XXXX, XXXX
Product: Debt collection

Northland Group Inc. repeatedly made phone calls that were annoying, abusive, or harassing to me or any person answering the phone as well as without telling me or any other persons who they were.
Product: Credit card or prepaid card

I contacted Chase sometime at the XX/XX/XXXX to file a claim on a hotel charge on Chase 's XXXX credit card that I did not stay in, and checked out the same day upon discovering the room 's condition is not acceptable and hotel refused refund, and charged for the entire reservation, 3 nights. 
Chase gave me a temp credit while they investigated the situation. After a month, they reversed the temp credit w/out any notification, I called Chase, they said the merchant responded and charge is valid, and that they can't prove that we left the hotel. I requested them to resend the letter and docs for me as I've never rec 'd anything in the mail. When I rec 'd the letter, basically, the hotel denied because we refused to take another room and they have a cancellation policy, and we canceled last minute, which is not correct, it's not a cancellation situation but a quality dispute and I have supporting docs. So I immediately wrote a rebuttal letter addressing the merchant 's letter and sent to Chase via their secure message online. I rec 'd Chase 's response stating they rec 'd the dispute info and working on it, I will be contacted if they needed further info. A few weeks went by, I haven't heard from Chase, called them and again they said they're working on it and will contact me. I asked for the expected time frame, they did not have the answer for me. I requested to speak to a manager, the manager came on the phone and said probably 30 days. Another month went by, it is now XXXX, I called them back and talked another manager, they told me the claim was closed and denied due to they did not receive any additional docs from us. Again, I told them I did send a letter and the merchant 's email via secure message, still they said they did not receive anything, and to resend, I got upset because every time I called the dispute department regarding my claim and tried to get some answers, no one has answers other than they keep giving different excuses or generic responses. Talked to 3 different managers there, still no one wants to be accountable and keep transferring me from one to another without explaining or stating the facts on why there is still no resolutions, no letters received, no communication at all from Chase, yet my case was denied and closed because no docs rec 'd and said they can't retrieve the docs from secure message and I need to re-fax the letter to them. At this point, I contacted their customer complaint hotline, the rep said they will note the incident internally, but they don't have control over the dispute department, and so they apologize for the troubles, but there is nothing they can do. This is unbelievable and unacceptable, I have the worst experience ever, and this is my very first claim with Chase. Is this how big banks treat their customers nowadays? 

I've attached a rebuttal letter and a copy rec 'd from the hotel acknowledged the issues. I sent these docs to Chase, requested to continue disputing but they did nothing about it. 
Also attached all messages sent and rec 'd from Chase with a standard response, and no follow-ups. 
Thank you, XXXX XXXX
Product: Credit reporting 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. 
XXXX  Account Number XXXX XXXX Reported Balance {$500.00} XXXX Account Number XXXX XXXX Reported Balance {$0.00} XXXX XXXX XXXX Account Number XXXX XXXX Reported Balance {$350.00} XXXX XXXX XXXX  Account Number XXXX XXXX Reported Balance {$710.00} 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 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 account without my written. instructions.

15 U.S.C. 1681 C. a 56 ; No consumer reporting agency may take 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. in to date the report by more than seven years.

15 U.S.C.1681s-2A1 A person shall not furnish any information relating to a consumer to any consumer reporting agency. If the person knows what has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

I received a text message from XXXX reading " Your Wells-Fargo Account has been placed on hold. Please review your-account here : https : //verify-accountwells-fargo.us/ I have no Wells Fargo account. 
So this seems to be some kind of phishing scam.
Product: Debt collection

This company calls me at my job every month to remind me to pay my mortgage. I have never been late. This company just bought my mortgage recently from XXXX. I consider this harassment especially if the payment is not late and calling me at my place of work. I do not need a reminder to pay my debts.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear sir/maam, I paid my XXXX XXXX XXXX XXXX credit card account ending in XXXX in full by settlement that XXXX XXXX XXXX XXXX offered me on XXXX XXXX XXXX. This account was opened in XXXX XXXX and last activity was XXXX XXXX. When I went to go by a home this year in XXXX I was shocked when my credit reported showed that XXXX XXXX XXXX XXXX Documented and wrote the debt off as a charge off ruining my credit for years without notifying me. Thus, I paid large amounts more money for all items that I purchased on credit like my family vehicles. This debt was never a charge off. I have requested twice that XXXX XXXX XXXX XXXX, XXXX, Equifax, and XXXX update my credit report by removing/changing the following by certified mail to no avail : Change any/all charge off codes to their algorithm, the status to be paid only, change balance to {$0.00}, change terms {$0.00}, account was not closed by Grantor request it was closed by my request when they took my money without notification, remove all the late dates, Remove the {$3200.00} written off as did not happen, there should be NO status of any charge off on my credit report. I would willfully volunteer to testify against XXXX XXXX XXXX XXXX. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

The balances were much lower before they went into collections, when I called & tried to understand their fees they provided little to no insight. I tried to work with the cell phone companies but they refused to work with me or take any payment
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX, OK XXXX XXXX XXXX XXXX XXXX, OK XXXX ; XXXX XXXX XXXX XXXX Balance {$12000.00} XXXX XXXX XXXXXXXX Balance {$0.00} ; XXXX XXXX Inquiry : XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OK XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OK XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX OK XXXX.