23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : 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 Additionally, these INQUIRIES are NOT AUTHORIZED, I have review my financial transactions and remember doing NO BUSINESS with these financial agencies : XXXX XXXXXXXX XXXX - XX/XX/year> XXXX XXXX XXXX XXXXXX/XX/year> XXXX XXXX - XX/XX/year> Most, importantly, to avoid future possible fradualent activities in my credit report please make sure that this is the only name XXXX XXXX and address XXXX XXXX XXXX XXXX XXXX Florida XXXX that should show in my credit report. Other personal information that reflects in my credit profile, you need to REMOVE it : These are MISPELLED Names in my Credit Report : XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX These are the ADDRESS that DO NOT belong to me : XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL 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 has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX # XXXX, Account nameXXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name XXXX XXXX XXXX XXXX # XXXX, Account name XXXX XXXX XXXX XXXX # XXXX, Account name XXXX XXXX XXXX XXXX # XXXX, Account name XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX # XXXX, have 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 a 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, credit repair services, or other personal consumer reports

I have disputed the account with XXXX services on my credit report several times ( XXXX/XXXXXXXX, XX/XX/2020 ). I keep telling them it is a fraud, and have no business with that company. I do not know who they are. The information does not even match on the sites.This is hurting my score. 

I also contacted XXXX XXXX  and they stated I have never been delinquent because I have been on deferment. 
There are several old accounts I asked to be removed, and they have not been. 

Please help me!
Product: Credit reporting or other personal consumer reports

Someone created an experian.com account on my behalf and set the recovery phone number and email to accounts they control. I am thus unable to use my experian account to manage my credit, and the automated agent on XXXXEXPERIAN is incapable of recovering my account or forwarding me to an actual customer service person.
Product: Credit reporting or other personal consumer reports

XXXX XXXX reported a false inquiry on XX/XX/year>.
Product: Credit reporting, credit repair services, 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. I told Experian to reinvestigate these accounts : 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. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681 ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 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 a 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. 

ALSO THEY ARENT EVEN IN COMPLIANCE WITH METRO 2 CREDIT  REPORTING. 

I have evidence to prove my case.
Product: Debt collection

I entered into a consumer credit transaction with Nissan Motor Acceptance Company on XX/XX/2018. 15 USC 1605 defines a finance charge as the sum of all charges in a consumer credit transaction. The finance charge is supposed to include insurance but NMAC made me purchase insurance separately. NMAC is in violation of 15 USC 1692b ( 5 ) by using a symbol on the envelope and in the contents of communication mailed. NMAC is in violation of 15 USC 1692f ( 1 ) by trying to collect any amount. NMAC is in violation of 15 USC 1692e by false and misleading representations by having charges in a positive balance, by having 3 separate charges, and that non payment will result in seizure of property. NMAC is in violation of 15 USC 1692d ( 2 ) the use of obscene and profane language and 15 USC 1692d ( 1 ) the use or threat of use of criminal means to harm my reputation and by threatening to report a bad debt to a consumer reporting agency. NMAC is in violation of 15 USC 1611 for criminal liability for willful and knowing by failing to provide required information about finance charges and right to rescission NMAC is aware of violations and has proof in attachments.
Product: Credit reporting, credit repair services, or other personal consumer reports

I already send few times complaint to you and you still posting this account on my name! I have no idea where is came from and who applied for it. Im sure that someone have my personal information
Product: Checking or savings account

I was denied a banking, The bank said it was due to my XXXX XXXX Report ... I requested the XXXX REPORT AND FOUND 3 different bank accounts open with balances and Judgments that were not mine due to Identity Theft. I want this removed from my XXXX  Report it is causing me financial issues. I've placed a fraud alert on my credit report, and contacted the FTC.Gov. Please Remove this information immediately and send results to the address on this report I will be giving. ASAP. Thanks
Product: Credit card or prepaid card

On XX/XX/XXXX I made a purchase from XXXX XXXX for {$1200.00}. Due to supply chain issues, IXXXX did not receive the item so on XX/XX/XXXX they refunded my total amount. Both transactions were handled via XXXX using my XXXX card. Unfortunately at the time of the refund back to my credit card, XXXX was moving from XXXX to Barclay as their vendor. As a result, my refund has been sitting in limbo somewhere at XXXX. XXXX has provided me with the transaction details down to the time the refund was sent to Barclays from them. I've spoken to multiple supervisors at XXXX who have indicated that the money is there at Barclay and just needs to get transferred to them in order for it to show as a credit on my statement. Apparently this has been a bumpy transition from XXXX to Barclays however that is not my concern. They have been holding my {$1200.00} for FIVE months. This is unacceptable. I am not disputing anything with a merchant as they have refunded my money ; I simply have never been given the money from the credit card company. During these five months I have continued to pay my bill timely but this is getting ridiculous and I believe they should be paying me interest now.
Product: Money transfers

I sent {$1700.00} and it 's been under review since XXXX I 've been on hold since XXXX and it 's now XXXX
Product: Debt collection

CONSUMER ENFORCEMENT ACTION As a Federally Protected Consumer, Original Creditor, Principal and Authorized Representative for XXXX XXXX on all accounts created by my seal/signature, I order you to make recompense and pay redress and compensation for your trespass against me. You are attempting to extort and rob me using deceptive, misleading and abusive practices against me personally, my family and my household. This is criminal activity at least and unacceptable by every means. 

You have committed several federal violations against me, a Private law abiding Federally Protected Consumer. Each violation is a statutory cost of {$1000.00} each, which does not include my personal cost and fees ( which I determine ) for taking time to address these issues. Violations committed against me include but not limited to : 1. Violated 15 USC 1692c ( a ) ; Communication without prior consent, expressed permission 2. Violated 15 USC 1692c ( b ) ; Communication without prior consent, expressed permission 3. Violated 15 USC 1692d ; Harass and oppressive use of intercourse about an alleged debt. 
4. Violated 15 USC 1692d ( 1 ) ; Attacking my reputation, accusing me of owing an alleged debt to you. 
5. Violated 15 USC 1692d ( 2 ) ; Use of obscene or profane language on my report ( saying I owe you a debt ) 6. Violated 15 USC 1692e ; Using false, deceptive or misleading representations 7. Violated 15 USC 1692e ( 2 ) ( A ) ; False representation of the character and amount of the alleged debt 8. Violated 15 USC 1692e ( 2 ) ( B ) ; False representation of any service rendered or compensation 9. Violated 15 USC 1692e ( 8 ) ; Communicating false information 10. Violated 15 USC 1692e ( 9 ) ; Use/distribution of communication with authorization or approval 11.  Violated 15 USC 1692e ( 10 ) ; False Representation ( not a party to alleged debt by my consent ) 12. Violated 15 USC 1692e ( 12 ) ; False representation/implication ( innocent purchasers for value ) 13. Violated 15 USC 1692f ; Unfair Practices attempting collect an alleged debt.

14. Violated 15 USC 1692f ( 1 ) ; Attempting to collect a debt unauthorized by an agreement between parties.

15. Violated 15 USC 1692g ( a ) ( 4 ) Certifiable Validation and Verification of alleged debt ( s ) 16. Violated 15 USC 1692j ( a, b ) ; Furnishing certain deceptive forms. ( You are not a party in the alleged debt ) 17. IDENTITY THIEF ; Obtaining personal identification information without prior consent and creating an account in my name without my knowledge.

18. Invasion of Individual and Family Privacy CONVERGENT OUTSOURCING and its representatives/agents is Civilly Liable for your transgression against me, a consumer, under 1692k.
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 the recent CFPB Lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFBS 's 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 serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have challenged Experians reporting of XXXX accounts. ( XXXX XXXXXXXX XXXX ) I wrote experian a USC 15 1681 605 letter letting them know these accounts are a result of identity theft. Experian failed to remove the accounts from my credit report. They verified both accounts. I sent the affidavit I have attached requesting their method of verification. In compliance with USC 15 1681 ( 6 ) ( iii ) ( 7 ) if requested by consumer the CRA has 15 days to provide their method of verification to the consumer, Experian has failed to provide me with any documentation proving these accounts belong to me. Also XXXX had confirmed that the account is a fraudulent account. I contacted XXXX. They have submitted a Univerasal form to pull reporting from all XXXX bureaus. XXXX has removed the account, why is EXPERIAN still reporting this account? All documentation is attached. EXPERIAN is subject of up to {$1000.00} per FCRA violation against me. I will proceed with arbitration if this doesnt get resolved immediately, EXPERIAN Remove both XXXX XXXX XXXX XXXX accounts from my credit profile immediately. You have not provided me with verifiable proof that these accounts belong to me. By law, you have to remove them.
Product: Checking or savings account

I wrote a check for {$6400.00} to XXXX on XX/XX/2020, but the payee of the check was changed to XXXX. The payee was changed to be an invalid check. I went to the bank to deal with it, but they deliberately made things difficult., Find all kinds of reasons to shirk responsibility.
Product: Mortgage

I bought my home through an FHA loan in XX/XX/XXXX and we heard all of the good things about refinancing and finally did it in XX/XX/XXXX. Our loan was held by XXXX and we refinanced through them, as well with another FHA loan. In XX/XX/XXXX our paperwork was finalized to refinance our home. However, we were not aware and not told that FHA regulations had changed and that Private Mortgage Insurance would now be part of the loan for the entirety of the loan. The payment quote that the XXXX representative originally told me over the phone was considerably lower than the final one I began to see in the paperwork. When I asked about this discrepency he said FHA rules had changed and the insurance cost had gone up. He did not explain that we would have PMI for the life of the loan. We are now locked into a loan with PMI and our monthly payment has now surpassed our original monthly payments as we deal with increasing property taxes, as well. I hold XXXX responsible for not thoroughly explaining this - as they would be benefiting from the extra Mortgage insurance they would receive from us. Looking back I can see the terms are in writing in the contract, but we did not receive full explanation and only had a notary present at the signing the closing documents. XXXX did not do their due dilligence to make sure we understood we would have PMI or MIP ( whichever you call it ) for the life of the loan. I am not sure we had even seen it in paperwork before the day of signing. It was also not disclosed to us than a small down payment would have removed MIP from this loan. In the paperwork the Present Market value in XX/XX/XXXX was recorded as {$100000.00} and the amount of our mortgage was recorded as {$93000.00}. This is an LTV of 90.4 %. This to me means we should not have MIP on this loan. 
I also hold HUD responsible as I see this as another burden they have placed on homeowners. There is no reason homeowners who have never missed a payment should be stuck with this extra fee for the life of a loan! This is just extra money into the pocket of the lender on top of the interest they already receive! We now own more than 20 % equity in our home and have never missed a payment, yet we are strapped with the added burden of this mortgage insurance. I can not believe we had the horrible luck of refinancing one month after the rules regarding PMI had changed.
Product: Debt collection

This debt doesn't belong to me I have already informed the company via email and it was reported on my consumer credit report all three credit bureaus.
Product: Credit reporting or other personal consumer reports

I am writing once again to express my confusion regarding your handling of the investigation into the fraudulent account on my credit report. 

I have submitted the necessary report to the Federal Trade Commission regarding this fraudulent account. Additionally, I have contacted the companies associated with this account directly, and they have confirmed the removal of the account. Therefore, I am perplexed as to why this account is still being reported by your bureau. Following this, both XXXX and XXXX have removed this account from their records. 
XXXX XXXX.
Product: Credit card

Dear Sir/Madam, I am writing to file a formal complaint regarding a misleading promotional offer I encountered when applying for the Delta SkyMiles Gold American Express Card . I believe this situation warrants your attention as it reflects deceptive marketing practices that could harm consumers. 

The promotional offer stated that I would be able to complete a XXXX XXXX purchase immediately upon approval and receive a {$500.00} statement credit. I applied for the card on this basis and was approved. However, I was unable to complete my XXXX XXXX purchase because I did not receive a digital credit card number. 

To resolve the issue, I contacted American Express customer service at XXXX and spoke with a representative named XXXX. She informed me that she could neither issue a digital card number nor expedite the delivery of my physical card and that this was an ongoing issue with other customers. This inability to fulfill the offer rendered the promotion unusable, despite my approval for the card. 

I feel that this promotion was misleading, as it led me to believe I would be able to immediately use the card to complete my purchase and qualify for the advertised benefit. Instead, I faced an unnecessary inconvenience and missed out on the {$500.00} statement credit that influenced my decision to apply for this card. 

I respectfully request that the Consumer Financial Protection Bureau investigate this matter to ensure that American Express complies with transparent marketing practices and provides restitution where appropriate. 

Please feel free to contact me at the email address or phone number listed above if further information or documentation is needed. Thank you for your time and assistance in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE A FEW FRAUDULENTS ACCOUNTS THAT SHOWING ON MY CREDIT FROM BEING A PREVIOUS VICTIM OF IDENTNITY THIEF I HAVE PROVIDED THE XXXX WITH THE REQUESTED DOCUMENTS AS IN A POLICE REPORT WITH A FTC REPORT ALONG WITH MY DRIVERS LISENSE AND THE THREE COMPANIES WILL NOT SEND PROOF THAT THE ACCOUT IS MINES XXXX IS THE ONLY BUREAU THESE ACCOUNTS SHOWING UP ON THE OTHERS REMOVED THEM ALREADY.
Product: Mortgage

Loan modification application XX/XX/XXXX. 
Phone call from mortgage counselor at loan company, XX/XX/XXXX, stating approval for $ XXXX from modification. 
Since XX/XX/XXXX, XXXX by month Im told a different payment amount. {$1200.00} and {$1700.00} ( my original loan prior to modification was {$1700.00} ) Finally by phone call, of this year, ( XX/XX/XXXX ) the mortgage company admitted to an error, by not including town tax for the monthly payment. 
All I stated, was wanting something in writing of the error and breakdown of the loan payment with the modification approval and that my new payment is. ( {$1700.00} ). Never received anything. 

Again, month by month Im still told different amounts of {$1200.00} and {$1700.00}. I made payments with different amounts depending on what the loan counselor said was approved on their end at that time. Still with every phone call inquiring on finalized documentation. 

This wasnt rectified during the modification trial until XX/XX/XXXX, stating false information, that I canceled my modification. Followed by a certified letter on XX/XX/XXXX of default and needing to pay XXXX or face foreclosure. 

The mortgage companies justified this by stating I didnt pay the correct amounts of $ XXXX. Again, over the past year Ive made numerous calls ( from their recorded line ) for anything in writing stating what my mortgage payment is. Nothing was ever provided. 
Supervisors are avoiding my calls. Ive received no return phone calls with my requests for clarification and they are NOT accepting any monthly mortgage payments from XXXX to present.
Product: Credit reporting or other personal consumer reports

Jefferson Capital Systems File # XXXX On Tuesday XX/XX/year> I noted that an incorrect adverse entry had been added to my XXXX credit report. The report was added by Jefferson Capital Systems of XXXX, MN. The original creditor was listed as XXXX XXXX in the amount of {$560.00}. I contacted Jefferson Capital Systems and spoke with XXXX ID XXXX and indicated that the item was not mine. I also contacted XXXX ( formerly XXXX ) and they indicated that I did not have any old accounts with their organization. 

I submitted a dispute via XXXX XXXX, and noted that the item was removed. However I just checked my report at XXXX XXXX again and noted that the same item was now added to my XXXX credit report. Mind you, this was all without ever even contacting me first. I would like for Jefferson Capital Systems to remove this incorrect entry entirely from all applicable credit reporting bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed transUnion twice to remove all personal information out dated and obsolete they have not done so, they update twice now and information still on account please remove items on the two letters I mailed to you twice names, address s, jobs, spouse, phone numbers they are obsolete I did not attach personal letters to this case
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to remove XXXX XXXX XXXX from my Experian credit report since XXXX of 2021 due to a HIPPA violation. Experian says that the account has been verified even after I sent in proof of HIPPA violations twice. The last letter sent to Experian was asking for their method of verification which by law I am entitled to under FCRA 611 ( aB ( ili ) which provides that a consumer may request " a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. ". Experian failed to provide me with their method of verification within the 15 days allowed by law not once, but twice. Instead of verifying how they investigated they opened yet another dispute which was not the intentions of the letter. I specifically asked for their METHOD OF VERIFICATION and they failed to provide it. Please remove this account from my credit report as it violates my rights. The only thing left to do after this is file a case with the court because this has been going on since XXXX and they refuse to truly investigate. HIPPA is a very serious law and Experian is not acting like it. My rights have been violated by the collections agency as well as Experian and I would like those accounts removed from my credit files!