23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concern regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle multiple times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims thoroughly. They informed me that recovering lost funds was impossible and tracking these transactions was unfeasible. The CFPB findings indicate that Zelle has not only neglected to protect customers but has 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: Credit reporting or other personal consumer reports

I requested back in XXXX for TransUnion & XXXX to remove inaccurate information from my credit report. The account in question is XXXX XXXX  account # XXXX truncated on my credit report is a reporting violation. TransUnion & XXXX is reporting the last date of last activity inaccurately. TransUnion is reporting the date of last activity as XX/XX/XXXX, whereas XXXX is reporting the date of last activity as XX/XX/XXXX. These inconsistencies can constitute re-aging accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am victim of Identity theft. Someone has access to my personal information and its ruining my credit by applying accounts that I have no knowledge of. Also, I never give consent to the company listed to pull my credit report.
Product: Credit card or prepaid card

I have a credit card with FNB Omaha Bank, a limit of XXXX + On XXXX. XXXX I charged {$1300.00} mostly for an auto repair, a one-time charge. Payment has been made in full. XXXX dropped my score by XXXX points, and the bill is paid. I made a dispute their response below. 
Report Number : XXXX Date Generated : XX/XX/2021 Results Report Number : XXXX Date Generated : XX/XX/2021 FNB OMAHA Account XXXX The company that reported the information has certified to XXXX that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. 

Results Report Number : XXXX Date Generated : XX/XX/2021 FNB OMAHA Account XXXX Your balance is the amount that you owe on an account. A high balance may have a negative impact on your Credit Score. 
Score Decrease Your FICO Score has decreased by XXXX points. XX/XX/2021 2021
Product: Debt collection

Westlake responded to my request but they didnt send me the 1099c form of the debt that was charged off
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA XXXX ( XXXX U.S.C. XXXX ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of accounts below are in direct violation of my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXXXXXX, Closed, Charge-Off No Account Number XXXX XXXX XXXX XXXX XXXX Acct # XXXX XXXX  Acct # XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX ( XXXX ) XXXX In addition, XXXX, XXXX, Experian and the above credit furnishers and collectors, have violated my rights as specified in the following Sections of laws designed to protect consumers : 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 : states a consumer reporting agency can not furnish an 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: Money transfer, virtual currency, or money service

In a nutshell, the fraud worked like this. I was slowly introduced to a supposedly profitable investment ( XXXX options on real-time XXXX pricing ). I was encouraged to start small and was allowed to withdraw money from my account twice. Over-time, I was encouraged/motivated to increase my capital investment to avail myself to higher profit opportunities. As my account increased to XXXX $ XXXX XXXX XXXX I was informed that in order to withdraw my money, I need to deposit 18 % withholding for IRS XXXX on the $ XXXX XXXX cumulative XXXX to date. The tax amounted to $ XXXX XXXX $ which I deposited. I was further informed that I had to deposit another $ XXXX XXXX $ for large amount withdrawal risk, which I also deposited. For days, I waited to withdraw from my account but was told that there are many VIPS ahead of me. I was then informed that I could apply for VIP membership if I wanted to be in front of the withdrawal line. The cost of the VIP membership was 2 % of account value which amounted to another $ XXXX XXXX XXXX The website was determined to be a fraudulent website. Please read attached file for complete story.
Product: Credit reporting or other personal consumer reports

I have submitted disputes to the credit reporting agency for late payments to be removed from my credit report due to an error on the creditors part. The credit bureau reporting agencies have failed to look into this and remove the late payments. I recently received a letter from XXXXXX/XX/XXXX regarding the late payments being removed and they stated that they indeed have notified the credit reporting agencies of the changes that need to be made yet they have not updated my credit report to reflect this.
Product: Credit reporting or other personal consumer reports

Account XXXX XXXX XXXX : # XXXX 15 U.S.C. 1692c ( c ) If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer If a consumer notifies a debt collector that the consumer refuses to pay a debt the debt collector must Cease all communication.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Maryland [ XXXX ] XX/XX/XXXX To : XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Consumer Financial Protection Bureau ( CFPB ) Subject : Demand for Immediate Removal of Inaccurate Account Information in Violation of 15 U.S. Code 1681e ( b ) of the Fair Credit Reporting Act ( FCRA ) Dear Credit Bureau Representative and CFPB, I am writing to demand the immediate and permanent removal of inaccurate information related to a specific account currently reported in my credit file. This letter serves as a formal notice of violation under 15 U.S. Code 1681e ( b ) of the Fair Credit Reporting Act ( FCRA ), which mandates that credit reporting agencies maintain reasonable procedures to assure maximum possible accuracy of the information in consumer reports. 

Account Information : Account Name : XXXX XXXX XXXX Account Number : XXXX Balance Discrepancy : {$0.00} on XXXX and XXXX, {$3900.00} on XXXX According to XXXX and XXXX, this account shows a {$0.00} balance, while XXXX inaccurately XXXXists a balance of {$3900.00}. This inconsistency is not only misleading but also a direct violation of 15 U.S.C. 1681e ( b ), as it reflects a failure to ensure that information provided in my consumer report is accurate, complete, and up-to-date. 

The inaccurate reporting of this account and balance has caused significant harm to my creditworthiness and places an undue burden on my financial reputation. I demand the immediate and permanent removal of this account from all of my credit files.

Specific Violations Include : 1. Violation of 15 U.S.C. 1681e ( b ) : Failure to establish reasonable procedures for maximum possible accuracy in consumer report information.

2. Failure to Ensure Accuracy and Completeness in Reporting : Under FCRA requirements, this misreporting violates my consumer rights and damages my financial standing.

Requested Actions : 1. Immediate and Permanent Removal of the Inaccurate Account from XXXX, XXXX, and XXXX : This action must be executed without delay, in accordance with FCRA requirements. 
2. Confirmation of Account Removal : Please provide a written confirmation that this account has been permanently removed from all my credit files.

3. I demand compensation in the amount of {$1000.00}, per 15 USC 1681n. 

The check can be mailed to : XXXX XXXX XXXX XXXX XXXX XXXX, Maryland [ XXXX ] This matter is of utmost urgency, and I expect resolution within the timeframe outlined by the FCRA and USC regulations. If this request is not fulfilled, I will escalate the issue, including filing a formal complaint with the CFPB and pursuing additional legal recourse under federal law. 

Thank you for your immediate attention to this serious matter. Please confirm receipt of this letter and provide written verification of the permanent removal of this inaccurate account. 

Sincerely, XXXX XXXX : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is fraudulent reporting an account which was opened on XX/XX/2017 to XXXX, Transunion and XXXX for the amount of {$720.00}. They reported that the are trying to collect for a company called XXXX XXXX. I have never taken an online payday loan from this company. The number the credit bureaus have is a non working number I am unable to contact this company by phone. I would like this reported this to the BBB and have seen multiply reports on the company doing the same thing to numerous people they are scammers and need to be stopped. This account was opened as a result of fraud e. I have no. contracts with XXXX nor XXXX XXXX. They have no legal right to collect because ive got no goods or services from either of these entities
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error. 

Late Open : XXXX XXXX XXXXXXXX XXXX {$0.00}
Product: Mortgage

Submitted mortgage assistance request with financials XX/XX/2020 to Select Port Folio.  Received mortgage assistance denial XX/XX/2020 from Select Port Folio. I feel my mortgage servicer did not review my request for help and they are not following the CFPB guideline for mortgage assistance requests. The documents received from my mortgage servicer with the denial notification stated I had 30 days to appeal the mortgage assistance denial. My property is set for a foreclosure sale XXXX XXXX and I was not given the 30 days for the appeal process to be completed. Spoke with XXXX Select Port Folio Supervisor in regards to this foreclosure and the mortgage assistance request she informed me that the mortgage assistance appeal was being reviewed, but they had not post pone the property foreclosure sale. Why is the foreclosure still pending and the mortgage company has not finalized the processing of my request.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX XXXX XX/XX/year> National Credit Adjusters , LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Dispute Regarding Violation of 15 U.S.C. 6802 ( Gramm-Leach-Bliley Act ) Dear National Credit Adjusters , LLC, I am writing to formally dispute a potential violation of my privacy rights under the Gramm-Leach-Bliley Act ( 15 U.S.C. 6802 ), specifically in regard to the unauthorized sharing or disclosure of my personal financial information by your institution. I believe that my financial data has been shared or disclosed to third parties without my consent or in a manner that violates the provisions of 15 U.S.C. 6802, which mandates that financial institutions must have written privacy notices and provide consumers with the option to opt-out of such disclosures. I discovered that my personal financial information may have been shared with third parties, which I did not authorize. Lack of Notice/Opt-Out Option : I have not received any written notice regarding the disclosure of my financial information to third parties, nor was I offered an opportunity to opt out, as required by law. Violation of Consumer Rights : Based on the information above, I believe your institution has not adhered to the provisions of 15 U.S.C. 6802 regarding consumer privacy and information sharing practices. In accordance with the requirements of the Gramm-Leach-Bliley Act, I request that you : Provide a full explanation of how my financial information was shared or disclosed, including the third parties involved. Demonstrate compliance with 15 U.S.C. 6802, including the opt-out provision. Cease any further unauthorized disclosure of my financial information and provide written confirmation of corrective action. Please respond to this dispute within 30 days, as outlined under the Fair Credit Reporting Act ( FCRA ), and provide the necessary documentation to resolve this matter. If this issue is not addressed in a timely and satisfactory manner, I will consider taking further legal action. Thank you for your immediate attention to this serious matter.

Sincerely, XXXX XXXX
Product: Mortgage

Client was denied a modification under HAMP guidelines XXXX XXXX, XXXX. A request was made to the plaintiffs attorney on XXXX XXXX XXXX to accept immediately {$26000.00} as a downpayment, waive the late charges and prothonotary fees and spread the remaining aarrearge over 6months. The reinstatement as of XXXX XXXX XXXX was {$29000.00}. The fees that were being requested to be waived amounted to {$750.00}. That plan was declined XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : { XXXX XXXX XXXX/XXXX/XXXX } { XXXX XXXX XX/XX/XXXX } { XXXX  XX/XX/XXXX } I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.

Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number.

Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent letters to XXXX, Experian and XXXX about these false negative accounts on my credit report last XX/XX/2021. They sent my documents and letters on my behalf, and it was determined that the credit furnisher was verified. They removed it on XXXX but they were not able to remove it on EXPERIAN and XXXX. These report is misleading and suspicious. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXXXXXX XXXX XXXXh and may have gotten into the hands of the wrong person. These report is misleading and suspicious. Below are the federal law violations that these companies are committing! If this doesn't get resolved I will seek litigation, and charge {$1000.00} per violation. 

However All Under penalty of perjury, I swear this account is false and misleading Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( XXXX ) this account in violation not reporting 100 % accurate. 
Unauthorized/Erroneous Account RESULT OF The XXXX XXXX XXXX Direct Violation of The FCRA Reporting falsely Under 15 U.S. Code 1681a ( XXXX ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction.

Contacted Creditor/Agency asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me. 
Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681.
Product: Credit reporting or other personal consumer reports

I demand a removal of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. This was reported incorrectly on my file.
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 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 an 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

I am writing to express my profound dissatisfaction and concern regarding your lack of response to my recent dispute dated XX/XX/. I am deeply disappointed by the absence of any communication or investigation results from your agency, which constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ) and has resulted in undue stress and financial implications on my end. In my dispute letter, I brought to your attention the inaccuracies present in certain items currently reported on my credit report. The purpose of my dispute was to rectify these inaccuracies and ensure the accuracy and completeness of the information being reported. Unfortunately, despite the importance of addressing these matters promptly and in accordance with the FCRA guidelines, I have yet to receive any response or investigation results from Experian. Under the FCRA, it is mandated that credit reporting agencies such as Experian conduct a thorough investigation within 30 days of receiving a dispute and provide the consumer with the results of the investigation. Your agency 's failure to respond appropriately to my dispute is a clear violation of these obligations and compromises my ability to address the inaccurate information on my credit report.
Product: Mortgage

my escrow payment when up last year on the amount of {$1900.00} no one has been able to explain why and now my mortgage went up from XX/XX/XXXX and XX/XX/XXXX in the amount of {$30.00} and they are not giving me a clear explanation either. I believe that Nation Star Mortgage books
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing the investigation results from Transunion, XXXX, and XXXX from XX/XX/XXXX the following accounts were claimed to be verified as accurate according to Transunion, XXXX, and XXXX. You are in violation of FCRA 607 ( B ) accuracy of report. 
After their investigation I have found various inaccuracies and I want these accounts deleted from my consumer report. 

Delete the following accounts : 1. XXXX XXXX Acct : XXXX Last verified nothing is reporting for XXXX also this account is not reporting on Transunion or XXXX XXXX XXXX, please delete this account. 

2. XXXX XXXXXXXX Acct # XXXX last verified Transunion has a date of XX/XX/XXXX and XXXX and XXXX nothing reporting. Which one is accurate? Balanced owed and account type are inconsistent. Please delete this account. Total of 11 violations 3. Department Ed Acct # XXXX last verified TransUnion has XX/XX/XXXX and XXXX and XXXX nothing reporting. Date opened and payments status are inconsistent. Total of 12 violations. 

4. Department Ed Acct # XXXX last verified TransUnion has XX/XX/XXXX and XXXX and XXXX nothing reporting. Date opened and account status are inconsistent. Total of 11 violations. 
5. Department Ed Acct # XXXX last verified TransUnion has XX/XX/XXXX and XXXX and XXXX nothing reporting. Date of last activity and last payment status are inconsistent. Total of 12 violations. 

FCRA states all information reporting must be 100 % accurate. Please delete this accounts for they have caused damages to my livelihood. I have filed a complaint with the CFPB, According to FCRA I can sue for a {$1000.00} per violation and there are currently 57 violations. I want these 5 accounts deleted from my consumer report.

616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] ( a ) In general. Any person who willfully fails to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or Attached are copies of my most current credit report.