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

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

XXXX NAMES : XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX : XXXX XXXX XXXX XXXX XXXX INQUIRIES : XXXX XXXX XX/XX/XXXX COLLECTIONS : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ADDRESSES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX NAMES : XXXX XXXX XXXX XXXX ADDRESSES : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX EMPLOYERS : XXXX XXXX XXXX INQUIRIES : XXXX 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 XXXXXX/XX/XXXX COLLECTIONS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX EQUIFAX ADDRESSES XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX COLLECTIONS XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is a request that you send summary data about credit reporting items that appears exactly as XXXX XXXX XXXX XXXX in my consumer files. Unless I understand the reason for this damaging item, I wont be able to decide whether to dispute either the unfavorable credit listing or its unacknowledged obligation in accordance with consumer rights provided by provisions regulating credit reporting, state and federal provisions regulating third party debt collections, or other relevant consumer protections. Pursuant to 15 USC 1681i ( a ) you must complete this reinvestigation within 30 days of receipt of this letter. I stand ready to escalate further should I not receive the requested data because you may have interfered with my personal reputation and ability to pursue credit. Please provide the following specifics : Please provide a purchase agreement to show full ownership of such account and if this alleged account was established by another party, then please explain why you are reporting it as your own trade line, i.e., whether you are a third-party collector. I am reasonably asking for one years worth of account data so that I can see how the matter progressed, as well as any collection fees or interest. Provide your license and bond to collect debts in my state of residence in order that I can be assured that your claim is valid. Should you decide not to follow through with this, then respect my personal integrity and rescind the unsupported data you have sent to any credit bureau.
Product: Credit reporting

XXXX XXXX. XXXX XXXX, XXXXXXXX XXXX Experian XXXX. XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX, XXXX XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. XX/XX/XXXXc-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims ' credit reports, blocking fraudulent information from appearing in victims ' credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX/XXXX/1980 ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's 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 have failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions were unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect customers 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 serious concerns about consumer safety and privacy.
Product: Debt collection

Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Cease and Desist Request Regarding National Credit Systems Inc XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear CFPB Representative, I am writing to formally request your assistance in addressing an issue with National Credit Systems Inc regarding an account originally associated XXXX XXXX XXXX XXXX 

Account Details : Collection Agency : National Credit Systems Inc 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX This account is currently under dispute, as indicated on my credit report : CONSUMER DISPUTES REINVESTIGATION IN PROGRESS. Despite this, National Credit Systems Inc continues to report inaccurate information without providing proper validation or supporting documentation.

Under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), I am requesting the following : 1. Cease and Desist Communication : National Credit Systems Inc must immediately cease all communication regarding this account with me.

2. Verification of Debt : Provide documented proof validating the accuracy of this debt, including a complete history of the account and original agreements. 
3. Correction or Deletion : If the debt can not be validated with accurate documentation, it must be removed from my credit report immediately. 

Please investigate this matter promptly. Attached is a copy of the relevant credit report information for your reference. 

Thank you for your attention to this matter. Please confirm receipt of this complaint and provide an update on the status of your investigation. 

Sincerely, XXXX XXXX
Product: Mortgage

I have a mortgage through citizens one. I have been furloughed from my job at our local XXXX in XXXX Pennsylvania since XX/XX/2020. I have never missed a payment. In XXXX and XXXX Pennsylvania had issues where they could not pay unemployment for two months. After I paid my XXXX payment I contacted my bank and asked to be put on the Covid relief for three months. I was told I was the next month I got a late fee and was told now theyre gon na put me on it. Again the next month I got a late fee and again was told they were going to put me on it. Now Im in the third month now Im getting threatened of to get in the house taken away even though Im supposed to be on the Covid relief with my fha loan. I am beyond upset I have contacted my mortgage company several times about this issue since I signed up. Each time its the same thing and I keep getting more letters from my bank. My next step I will want to call an attorney and I think I have rights to sue them for all this because Ive done everything Im supposed to.
Product: Debt collection

I demand the immediate removal of late dates associated with the disputed items on my credit report. The furnisher 's failure to respond to verification requests is a clear violation of the FCRA, and I insist that the credit bureau comply with the law by promptly updating my consumer file. Take swift action to delete the inaccurate late dates and rectify this matter in line with the Fair Credit Reporting Act. The following account is in dispute : XXXX XXXX XXXX XXXX XXXX opened : XX/XX/XXXX Balance : {$3600.00}, XXXX XXXX XXXX XXXX XXXX opened XXXX XX/XX/XXXX Balance : {$2000.00}, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX Balance : {$5600.00}, XXXX XXXX XXXX XXXXXXXX Date opened XXXX XX/XX/XXXX Balance : {$5700.00}, XXXX XXXX XXXX XXXXXXXX Date opened : XX/XX/XXXX Balance XXXX {$1100.00}, XXXX XXXX XXXX XXXXXXXX Date opened : XX/XX/XXXX XXXX XXXX {$1400.00}, and XXXX XXXX XXXX XXXXXXXX Date opened : XX/XX/XXXX Balance XXXX {$7900.00} XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX XXXX  NC XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within XXXX  days of receipt of this letter. 

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past XXXX months.
Product: Credit reporting, credit repair services, or other personal consumer reports

In the Fall I had the following Hard Inquiries show up on my credit that did not occur : XXXX  - XX/XX/XXXX Transunion XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX   XXXX XXXX XXXX XXXX XXXX  - XX/XX/XXXX XXXX I contacted XXXX and they said they would remove but never did ( might have been just their internal system ). Tried multiple times to contact XXXX  but could not reach anyone.

I need all 4 of these removed from my credit ( trying to refinance house this summer ). If I need to try and contact Transunion and XXXX separately please let me know.

Thanks, XXXX
Product: Credit card or prepaid card

On XX/XX/XXXX I called Discover Card to dispute a {$11.00} charge on ( XX/XX/XXXX ) XXXX for the item I purchased on XXXX but the item never arrived. The seller refused to communicate. 
After dialing the number I got an automated system which demanded the amount, date and the item and after providing me with this info I was put on over 10 min hold in order to get to the CSR. I was then told that this is not a right dept and I was told that despite inputting the dispute info into the system, the system is designed to be first routed to a regular customer service to first and foremost vet the disputes ( ie, make it hard to go forward ). Subsequently I requested to speak with the supervisor but was then told that none is available. I was then directed to the billing dept which again decided not to process the dispute so I requested to speak to the supervisor. The CSR transferred me to the supervisor line ( while I was holding ) and the automated system was giving automated instructions to the CSR agent how to handle the call. At the 29 min the call was disconnected without me speaking to the supervisor or finalizing the dispute. 
It is obvious that Discover is not willing/unable to process the transaction disputes for a valid reason such as non receipt of the item while involving customers in a long and protracted system meant on wasting customer time. Under the legal framework Discover is obligated to execute a dispute, pure and simple and do so within a reasonable amount of time.
Product: Vehicle loan or lease

I have been XXXX XXXX military for 15 years, and, therefore, I am exempt from paying personal property taxes. I originally leased my XXXX XXXX in NC in XXXX  and recently paid off the remainder of the loan, meaning I now own the vehicle outright. Despite providing all the required documentation to verify my tax-exempt status from the time I started leasing the vehicle, Honda/Acura Financial Service continues to call me and tell me I owe payment for personal property taxes. I have reiterated to multiple agents that, by law, I do not in fact owe the tax and that if XXXX has been paying it unnecessarily on my behalf over the last 2 years, that is their problem to fix, not mine. 

Honda/Acura Financial Services has now reported my account to XXXX  as being delinquent based on this property tax issue, despite the fact that I own the vehicle and have no outstanding payments due. When I called their 1-800 number to dispute this debt, the representative was unable to put me through to a supervisor and told me it is my responsibility to contact the tax agency in the county where we purchased the vehicle to verify my tax-exempt status. Not only do I no longer live in NC anymore due to moving to my new XXXX XXXX over 2 years ago, but Honda/Acura Financial Services is essentially transferring the blame for their paperwork error to me, telling me I am responsible for fixing it, and damaging my otherwise perfect credit. The representative claimed I will receive a call-back from a supervisor within 24-48 hours. Meanwhile, this issue remains my responsibility to fix. To say I am upset and completely unimpressed with Honda/Acuras customer service is an understatement, and I do not intend to pay a tax I am legally exempt from paying.
Product: Debt collection

This has been in effect over a year that medical collections are not allowed to be on my credit report under {$500.00} ... yet i have spent time and money on a home loan to move forward due to the impact of these collections from wakefiled on my credit report i was unable to be approved. This collection was added to my report as recently as last month. Wakefiled knows that this collection is under {$500.00} and yet continue to report it every single month. This is wrong. I demand that both collections are deleted from my credit reportand hope that you investagate their predatory preactices against the consumer like me. We are struggling to acheive the dream to buy a home
Product: Money transfer, virtual currency, or money service

I received a call from a number that said " XXXX '' saying that there seemed to be fraudulent activity on my account. They said that someone had ordered iphones to the XXXX account to be shipped to Kentucky. They walked my through my XX/XX/XXXX account details, listing both correct and incorrect information. They said that the had cancelled the phone charges and they would try to get our account back to normal. I have a family plan with my mother. They said, I confirmed, that there was a " hold '' on her phone number which was allowing her to make and receive text messages but unable to make or receive phone calls. I confirmed by having a friend trying calling her. They said that the account wasn't good anymore and they werent unable to unhack it and they had to open a new account for me. To do it i would have to pay the amount of the last bill. They claimed because the account was hacked I couldn't use the regular channels and had to submit a payment via XX/XX/XXXX or apple pay to an account manager. They said I would be refunded immediately. I sent the first payment of XXXX. I was asked to send a screen shot with no account identifying information confirming the payment had been made. They then said they were having me use XX/XX/XXXXto enter a code that would refund my initial payment. I was told to start with XXXX which was meant to indicate that it was a code not a payment. This happened twice more before I reached the max for that number. They then walked me through setting them up as an apple pay XX/XX/scrub>/25, XXXX XX/XX/XXXX Complaint Submitted - Internet Crime Complaint Center account. Each time they said the refund code had an error and that's why it wasn't working. My mom 's phone number still didn't work. I sent the apple pay and they asked me to send another amount but I didnt have the funds available. THey asked for a smaller amount but it woulnd't go through. They said i would receive a phone call from XXXX the next day at XXXX to close out the process and to get four months free service. They were about to hang up but i confirmed my mom still couldn't make or recieve phone calls. THey put me on hold and then came back saying she could. I said the refund hadn't appeared yet and they said it would take 30 minutes and hung up. The whole call took 1 hour 30 minutes exactly. I was " transferred '' to different people who were supposedly different roles and departments helping me with the process. I asked how do i know this isn't fraud and they pointed me to the caller ID showing XXXX and the XXXX number and that they had said the call was being monitored. Almost immediately after hanging up I realized the scam and called my bank to file a complaint. TheXX/XX/XXXXpayments have been reversed but the apple payment of {$990.00} has not. XXXX denied my previous claim submitted here becasue it was apple pay. There is no place for me to find older ( past last ten ) transactions in my apple pay application to dispute the charge.
Product: Credit card

My Best Buy Credit card ending in XXXX I had closed the account due to reoccurring fraud. ( 6 times ) someone went into several best buy store and looked up my credit account and made large purchases without a physical card. Now I have charges on an account ending in XXXX which was reissued after my this fraud claim even though I told Citi Bank that I wanted the account closed. Citi Bank who is the Best Buy Credit Card issuer told me those accounts were closed but some how someone made another purchase. Seems like this is a Citi Bank Issue. Now I have a balance due {$1600.00} which Citi wants me to make payments on even though non of the balance is mine. I have called them multiple times and its like talking to a tree.
Product: Credit reporting or other personal consumer reports

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. 

Per 15 U.S.C 1681e 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. 

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. 
Furnish information about accounts or other relationships with a consumer that is accurate. 
C - Conduct reasonable investigations of consumer disputes According to XXXX, in order to make a lawful report, you must follow the Metro 2 compliance standards. 

Also as stated in the XXXX Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB XXXX FTC and my Attorney General. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Filed a dispute with the credit bureau XXXX and XXXX removed them XXXX left one XXXX refused I filed the theft report and sent to both companies and XXXX  with no results I keep all my payments up to date I did have to file bankruptcy in XXXX due to my wifes XXXX bills but since have been trying to build my credit plus I have 39 hard inquiries that I didnt request XXXX XXXX  XXXX.and XXXX  XXXX  XXXX which was purchased from another company they said payments had be made on it I requested them to send me copies of payments because Ive been with the same bank for 30 years and no proof was every sent also XXXX XXXX for XXXX I have a access one credit card to cover any out of pocket cost I filed the fraud report and sent the required documents to each lender and to XXXX