23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Why is this on my credit file, I have disputed with no response back. I do not recall this account, please have this company remove
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  XXXX inquiry date-XXXX  XXXX XXXX XXXX XXXX inquiry date-XXXX XXXX XXXX XXXX  XXXX inquiry date-XXXX These inquiries are being inaccurately reported on my Equifax report please remove.
Product: Debt collection

They call every day XXXX/2020-XXXX/2020 I am not the original owner of this phone
Product: Credit card

I've made sure that payments on this account are always timely, never allowing them to become overdue. However, I'm unsure about the reasons behind reports of late payment remarks on my accounts. According to 15 USC 1666b - Billing Error, this should be rectified.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this in regard to recent findings and have called and sent letters in regard to Equifax Improperly sharing my information and reporting false and in accurate information on my credit report. they have continued to report these false and inaccurate information causing me stress and uncontrollably anxiety. What they are reporting is keeping me from getting a home for my family and a car. Pursuant 1681 ( a ) 3 the Consumer reporting agency ( EQUIFAX ) has assumed a vital role in assembling and evaluating consumer credit and other information on consumers. Pursuant 15 USC 1681 ( A ) 4 they have exercised their responsibilities with unfairness, without impartiality, and with no respect for the consumers ( ME ) right to privacy. Pursuant 15 USC 1681 ( b ) 2 I did not give consent for them to furnish anything on my credit report.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These hard inquiries are not authorized, they are not connected to any open accounts of mine. I do not have business and never have with these companies these inquiries are reporting on my credit report. My information has been affected I received an email XXXX XXXX from XXXX XXXX stating that however I have XXXX inquiries from them which are unauthorized. According to the FCRA any unauthorized inquiries/ accounts must be removed from consumers credit report. FAIR CREDIT REPORTING ACT/REGULATION V. Section 623 of the FCRA and Regulation V generally provide that a furnisher must not furnish inaccurate consumer information to a CRA my information was obtained in an ally financial data breech which affected millions PII. FCRA section 604 ( f ) provides that a person shall not use or obtain a consumer report for any purpose unless the consumer report is obtained for a purpose for which the consumer report is authorized to be furnished under [ FCRA section 604 ]
Product: Credit reporting or other personal consumer reports

Discover financial sold the alleged debt to radius global and I did not authorize it. I was not made aware if this identity theft that took place. Discover responded back with bills which is not validation. XXXX has removed this account so Discover needs to follow suit. They have harmed me while reporting g this account and I will sue them in federal court for damages.
Product: Credit card or prepaid card

I'm 2 days late on my Target credit card payment - over the last 2 days I've been harrassed by multiple calls a day from the same # also just received a call to collect after I told them to stop calling me at XXXX which is outside business hours and not appropriate.
Product: Credit reporting or other personal consumer reports

I insist on immediate action to remove the items listed on my identity theft report, as mandated by FCRA Section 605B. Provide prompt compliance by removing/blocking the erroneous information from my credit report within the 4-business-day timeframe specified by the law. Failure to do so will result in legal action. Acknowledge this demand and ensure the necessary notifications are sent to all furnishers of the information promptly. Fraudulent Items XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

A NewRez customer service rep told me on a recorded line in early XXXX XXXX that my recast would be completed in early XX/XX/XXXX. It sill has not been completed. I have made over XXXX phone calls on recorded lines asking for the recast starting in early XX/XX/XXXX up until today and am now filing another complaint. I also sent a certified letter yesterday XX/XX/XXXX to their CEO demanding that the recast finally be done. In late XX/XX/XXXX, XXXX employee falsely told me on a recorded line that there was no such thing as a recast and the rest from XXXX XXXX to the present pretended they did not know anything about the recast procedure and NONE referred me to the recast department, All this is a XXXX tactic to not do recasts. In addition on XXXX XXXX, XXXX I was on a recorded line with a XXXX employee, myself and a representative of another lender, XXXX XXXX, so XXXX could confirm my payment history. I told everyone on the line that I was not refinancing with NewRez because they had not done my recast. The NewRez employee than stated she would file an internal complaint on my behalf to get the recast done. Since this was on a recorded line with two witnesses, obviously NewRez had my clear documented permission to do the recast. Still nothing has happened to date. NewRez finally sent a secure message with a recast form in very early XXXX but when I went to open it, it would not open. ( They already had my legal documented permission on a recorded line with XXXX witnesses as of XXXX XXXX, XXXX to do the recast so having me sign yet again for the recast was an unnecessary duplicate legal procedure and a delaying tactic ). Just game after game to avoid doing the recast.
Product: Mortgage

I was released from Chapter XXXX Bankruptcy on XXXX XXXX, 2016. Nationstar Mortgage Bankruptcy Dept. refuses to release two loans I have from their Dept. and start sending me statements. I have not received a statement in 5 years. I have called them 5 times, every time they say they will take care of it and here we are 5 months later nothing has happened. I have not received end of year interest statements either which I need for my income taxes.
Product: Debt collection

I have received a call from Lanier Collection agency on a few collections I have in there office. Not once was I given proof of the bills. The lady did not mention to me that it was an attempt to collect a debt or anything in that sort. I personally work with a collection agency and know the laws. I wanted to make a complaint before my attorney out of XXXX gets involved.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 The Credit Bureau Experian stated Account name : XXXX XXXX XXXX Account # XXXX was properly investigated but, how is this possible when the company responded to previous complaint with XXXX for report # XXXX and the summary of the result was Trade : XXXX XXXX XXXX XXXX has been deleted from the credit file. This is grounds for removal from all reports, They also violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : which is affecting my ability to obtain housing. 

The law clearly states a consumer reporting agency can not furnish a account without my written instructions. 

I haven't given these agencies written permission to furnish these accounts on my credit report, and if it is not removed I will take legal action.
Product: Credit reporting, credit repair services, or other personal consumer reports

The information you provided is different from other bureaus. This account is reporting late, in my XXXX Credit Bureaus. Also, please reinvestigate the whole information especially the account type, account status, payment status, comments, and payment history. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints. 
XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the following accounts below have violated my Federally protected consumer rights to privacy and confidentiality pursuant to 15 USC 1681. Section 602 A which states that I have a right to privacy. Also, they have violated my rights under The Financial Privacy Act of 1978, and credit denial in violation of 15 USC 1681a ( k ). This entity also violated 15 U.S. Code 1602 ( p ). Also violating 18 USC 894. Using my TRADENAME without express written consent in violation of O.C.G.A. 16-9-93.1 Names Reported : XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX 
XXXX XXXX XXXXXXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXt # XXXX XXXX XXXX XXXX XXXX XXXX # XXXX They ( credit furnishers ) have violated my rights, and restraint of trade in violation of 15 USC 1, and 15 USC 2.

Additionally, it clearly states under 15 USC 1681 section 604 A section 2 that a consumer reporting agency can not furnish an account without my written consent.

15 U.S. Code 1681c ( a ) ( 1 ) Section states ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : ( 1 ) Cases under title 11 or under the Bankruptcy Act.

15 U.S. Code 1681c ( a ) ( 5 ) Section states no consumer reporting agency may make any consumer report contain 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. Code 1681s2 ( a ) Duty of furnishers of information to provide accurate information.

( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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: Debt collection

I received a written communication dated XX/XX/2023 from National Enterprise Systems, regarding an alleged debt I have no knowledge of. It contained verbiage, logos, symbols, and statements identifying them as a debt collector attempting to collect from me. As a consumer, I have never contracted with this company or any affiliates. Pursuant to 15 USC 1692k, National Enterprise Systems is now civilly liable for its abusive and deceptive practices by identifying itself as a debt collector attempting to collect from me, a federally protected consumer. I demand National Enterprise Systems cease and desist with all communication, collection attempts, and adverse reporting. Any further attempts will be considered a direct violation of all applicable federal laws. The notice I received constitutes harassment. As a consumer, I have not now or ever authorized or extended my credit to them. Do not attempt to continually furnish any information on my behalf guised as a collection account. I have never given this company or affiliates a permissible purpose to do so. This company is also in violation of 15 USC 1692e by making false and misleading representations. I am demanding National Enterprise Systems provide an original contract with my signature, offer, and acceptance. Copies will not suffice. Any continuance or disregard of this notice will be deemed as a direct violation of federal law, as I am a federally protected consumer.
Product: Mortgage

Specialized Loan Servicing bought my home loan on XXXX XXXX 2015 and I contacted them XXXX XXXX to make payment and additional principal payment. 

They applied my additional principal payment to a regular payment which left a balance they collected as a fee. I called about the payment but was assured the principal would be corrected and the balance would be reflected on XX/XX/2015. 

I checked today and my additional principal has been turned into fees and the additional payment is all but confusing on the statement online.
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 multiple times and reporting discrepancies, my financial institution and Zelle have failed to investigate my claims adequately. They informed me that recovering lost funds were impossible and that tracking these transactions were unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX Balance : {$150.00} XXXX XXXX Balance : {$22.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$22.00} XXXX XXXX  XXXX Balance : {$30.00} XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$470.00} XXXX XXXXBalance : {$22.00} XXXX XXXX XXXX Balance : {$0.00}
Product: Mortgage

XXXX XXXX, XXXX has been retained to dispute an escrow analysis projection for mortgagor XXXX XXXX. The escrow analysis contains a number of errors. 

First, XXXX XXXX history of mortgage payments involves a {$1300.00} payment made for the last XXXX calendar months iterated on the escrow analysis. The Principal and Interest allocation is {$910.00} leaving {$400.00} to be deposited into the escrow account monthly. The escrow analysis reflects {$0.00} being deposited by the lender of payments received from XXXX XXXX. Thus creating a fictitious shortage of {$5800.00} and a wrongful demand of an extra $ XXXX. 

Second, the actual history of payments section reflects the second installment tax bill at {$3300.00} and that this payment was made by the lender in XXXX. In fact the bill was not published until recently and is due on XX/XX/XXXX and has been UNPAID by the lender. The balance due of the actual second installment is {$2100.00} and to date is still outstanding. The lender is holding sufficient funds to cover this liability given that XXXX XXXX has caused $ XXXX towards impounds. The actual property tax liability for XXXX was {$5600.00} and for XXXX {$5100.00}. An appeal was taken of the assessment and the resulting bill is reduced and stabilized for the next year absent the County granting further reduction to future appeals taken this year by XXXX. 

The insurance liability is {$1700.00} annually about $ XXXX Property Taxes {$5100.00} or $ XXXX Grand Total {$6900.00} or $ XXXX Monthly deposits should be about {$580.00} NOT $ XXXX. 

Attached are 1-The outstanding Second installment tax bill which reflects the reduction in the assessment amount XXXX XXXX XXXX Treasurers 20 year History of Payment Record. 

All three of these evidences support the fact that your analysis is flawed and that the Lender has not paid the taxes while holding the debtors funds. 

The account is not in the negative by {$5800.00}. Your escrow analysis is an erroneous account and we would like an accounting of the {$4800.00} which is not reflected on actual payments made by XXXX XXXX between XXXX XXXX and XX/XX/XXXX. The XXXX account is current. Unless this is rectified by Monday. We will file a claim with the CFPB. 


Very Truly Yours, XXXX XXXX XXXX, XXXX
Product: Credit card or prepaid card

I encountered an incredibly deceptive marketing practice from Bank of America, which sells the XXXX  XXXX XXXX card. As I checked out from purchasing XXXX XXXX  XXXX tickets, an ad promised " Limited Time Online Offer : Buy One Ticket, Get One for just the taxes and fees + XXXX Bonus Miles. '' It also promised that if I applied right now and was " instantly approved and activated, '' I could use the new card to purchase my current ticket. I was instantly approved, but when I checked the box saying I wanted to use the card right away, I got this message : " There was an unexpected error loading the disclosures so we can't instantly activate your credit card for this purchase. ''
Product: Credit card or prepaid card

Chase Bank advertises their " Chase Sapphire Preferred '' Credit Card as providing a {$50.00} XXXX XXXX XXXX  Hotel Credit that is automatically applied as a statement credit for hotel room accommodation purchases through their XXXX XXXX XXXX portal. 

Chase states that " Statement credit ( s ) will post to your account within two days after your purchase posts to your account and will appear on your monthly credit card billing statement within 1-2 billing cycles. '' However, this did not happen for me and customer service refused to solve this issue and provide me with the agreed upon {$50.00} statement credit. On XX/XX/XXXX I booked a hotel room accommodation for XXXX XXXX XXXX for {$200.00} through the XXXX XXXX XXXX portal and the transaction was coded as " XXXX Chase XXXX '' on my credit card statement. However, I never received the {$50.00} statement credit within the two days after the purchase posted to my account and it has yet to appear on my last two billing cycles. 

When I called chase with this information on Monday, XX/XX/XXXX, they said that they would escalate it to their research team who would get back to me in two weeks. However, I called back two weeks later and their research team did not bother to look into the statement period that I purchased the hotel through their travel portal and denied me my earned {$50.00} credit. 

When I called, I was put on hold for more than one hour and was told by the supervisor all they couldn't do anything despite themselves seeing the purchase on XX/XX/XXXX through the travel portal. Chase has refused to honor the {$50.00} statement credit that was promised and as a result I will be forced to pay the {$50.00} balance on my credit card to keep my purchases current, taking money out of my bank account to subsidize their malfeasance.
Product: Credit card or prepaid card

I charged a pool renovation to my  American Expres  XXXX  card. The pool company charged {$2100.00} more than we had agreed. I tried in good faith to resolve this with the pool company with various emails but they slow in responding and finally unresponsive. I put this amount into dispute with  American Express . The pool company refunded {$730.00}, which left {$1400.00} still in dispute.  Amex  then wrote to me ( letter attached ) saying " we have no further recourse with this merchant due to the timeframe  XXXX  which we were contacted to open this billing investigation. '' Please note that the fraudulent nature of the charge is not in dispute - this claim was denied ONLY due to the timeframe in which it was opened.     I opened this dispute in  XXXX    XXXX  . However, I previously called  American Express  about this dispute on  XXXX   XXXX ,   XXXX  . There is still a note in the file that I called on this day and the call was recorded. On that call, I told the agent that I was still discussing this dispute with the merchant but I was concerned that the timeframe for putting the charge into dispute would expire. The agent told me that I SHOULD NOT BE CONCERNED ABOUT THIS, BECAUSE THE NATURE OF THE DISPUTE DID NOT SUBJECT IT TO A TIMEFRAME. She went on to tell me that I did not have to put it into dispute at that time. This can easily be verifie d - American Express  can provide the script of the call I made to them on  XXXX   XXXX ,   XXXX  .
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive been trying to dispute several accounts on my report but my dispute has been ignored. I am requesting that you look into this matter as required to do so under the FCRA. If you do not comply with the terms of the FCRA I will have no choice but consider the possibility of litigation. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, XXXX and XXXX credit reporting agencys, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of personal credit card accounts opened at XXXX  XXXX XX/XX/XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX an auto loan account opened at XXXX XXXX XXXX XX/XX/XXXX, XXXX 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 # ( XXXX ) 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: Money transfer, virtual currency, or money service

I got involve to a romance scammers.

I sent a lot of cashier checks and when I finally realized I was scammed, I went to my bank Golden1 credit union to see if they can get back my money or help me out in anyway to get them back. 
My bank said they could not and did not give me more information what I can do to help me or where to go. 
When i was still manipulated and into the romance scam, i was XXXX.
Product: Credit reporting or other personal consumer reports

On XX/XX/2023 ( and many disputes before that ) I have submitted disputes on these XXXX XXXX XXXX accounts. XXXX of the accounts are not mine and the other XXXX are reporting inaccurate information ( all XXXX accounts are to be honest ). I have seen numerous disputes and have not received NOTHING back from the CRAs about my dilemma, I even tried calling and either I was hung up on or they do not try to hear my plea on how I have been wronged. The accounts that are in question are as follows : XXXX XXXX XXXX XXXX XXXX XXXX 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 ( 5 ), 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX - Incorrect Employers XXXX XXXX  XXXX - Incorrect Employers XXXX XXXX XXXX XXXX XXXX XXXX - Incorrect Address XXXX XXXX XXXX XXXX XXXX - Incorrect Address XXXX XXXX XXXX XXXX - Incorrect Address XXXX - Incorrect DOB