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

This was previously disputed with CFPB # XXXX XX/XX/XXXX Dispute was directed to Experian, XXXX and XXXX to fix the errors for these XXXX collection accounts : XXXX. Experian Inquiry - Experian Business Credit - XXXX XXXX XXXX XXXXXXXX TX XXXX Please remove -based upon 15 U.S.C. 1681i and 15 U.S. Code 1681b- this inquiry is inaccurate and unauthorized and needs to be removed per the Permissible Purposes of Consumer Reports. 

XXXX. XXXX  - XXXX  XXXX XXXX XXXX, XXXX, NY, XXXX ( XXXX ) XXXX o Request that they remove the unauthorized inquiry. 
XXXX  # XXXX ( Experian for {$830.00} ) XXXX  # XXXXXX XXXX ( XXXX {$830.00} ) XXXX  # XXXX ( XXXX {$830.00} ) According to the Fair Debt Collection Practices Act ( FDCPA ) Law Code : 15 U.S.C. 1692 et seq., and 15 U.S.C. 1692g. These codes prohibits practices like attempting to collect a debt that is not yours, harassment, or providing false information. I dispute this collection for XXXX. They have not provided evidence that is is my debt, and I am disputing again and would like this collection removed from Experian, XXXX and XXXX accounts. 


XXXX. XXXX  - XXXXXXXXXXXXX XXXX {$4900.00} ( XXXX ) XXXX - XXXX {$4900.00} ( EXPERIAN ) XXXX, XXXX - XXXX ( XXXX {$4900.00} ) XXXX XXXX XXXX XXXX ) and XXXX ( ON EXPERIAN ) is still on my credit report and are attempting to continue to collect on the above-referenced accounts on Experian, XXXX and XXXX. 
I received a Form 1099-C ( Cancellation of Debt ) for this account from XXXX, XXXX on XX/XX/XXXX, indicating that the debt was canceled. 
According to the Internal Revenue Code ( IRC ) XXXX, the issuance of a 1099-C form signifies that the creditor has discharged the debt for tax purposes. 
Your continued attempts to collect on this debt may constitute a violation of : XXXX. The Fair Debt Collection Practices Act ( FDCPA ) under : * 15 U.S.C. 1692e, which prohibits the use of false or misleading representations about the status of a debt ; and * 15 U.S.C. 1692f, which prohibits unfair or unconscionable means to collect a debt. 

XXXX. IRS regulations governing canceled debts, as this debt was reported to the IRS as canceled. 
I request and requested that XXXX immediately Remove this account from my credit reports and cease all collection activities related to this account. Please provide written confirmation that the debt is no longer being pursued. 
Additionally, if you believe you are authorized to collect on this account, I demand the following : Documentation validating the debt, including proof of the amount owed and evidence that you have the legal authority to collect on this account after issuing a 1099-C. 
Please note that under the FDCPA, continued collection activity on a disputed debt is prohibited until validation is provided.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Transunion are reporting incorrectly a collection in the amount of {$4800.00} on the XXXX XXXX partial account number ****XXXX. ( Please see page attached from my credit report. ) I had insurance coverage at the time and went to an in-network provider. This charge is in error and was covered. This false reporting of a collection is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Product: Credit reporting or other personal consumer reports

XXXX violated the United States Code Law 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer.

How by reporting a late payment on my credit report that is more than 60 days and the law states violated the United States Code Law 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer.

After pulling a copy of my Consumer credit report I noticed that your agency is in multiple violations and Im entitled to monetary compensation under FCRA 15 U.S. Code 1681s2 - 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer ( Inquires ) - ( 1 ) In general A consumer reporting agency may furnish a consumer report relating to any consumer pursuant to subparagraph ( A ) or ( C ) of subsection ( a ) ( 3 ) in connection with any credit or insurance transaction that is not initiated by the consumer only if ( A ) the consumer authorizes the agency to provide such report to such person or ( B ) ( i ) the transaction consists of a firm offer of credit or insurance.

( 3 ) INFORMATION regarding inquiries Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.

Under FCRA 15 U.S. Code 1681n ( b ) ( B ) in the case of liability of a natural person for obtaining a credit report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ( 2 ) such number of punitive damages as the court may allow.

I did not initiate any of these inquires furthermore if you feel like I did, please send me copies of my written signature giving consent to this matter.

The items below should all be removed from my consumer report under 15 US Code 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ).

Under 15 US Code 1681n ( b ) civil liability of a natural person Ive been violated. Also, we already involved and sent this letter to the Complaint portal for ( Consumer Financial Protection Bureau, State Attorney Generals Office, XXXX XXXX XXXX, and Federal Trade Commission ). 

( account ) XXXX 15 USC 1681n civil liability because Ive been violated You supposed to add notice within 30 days not 1 day over as i have proof. As a consumer by law these accounts on this letter must be deleted immediately or I will seek monetary damages for violation of my rights in small claims court in my city and state under 15 USC 1681n civil liability because Ive been violated.
Product: Checking or savings account

On XX/XX/2019, I walked into the bank to deposit a check at the tellers window, from a trust account ( 95 % of my deposits are from trust accounts, I am a real estate agent and the escrow companies that close the files only use trust accounts by law ). I have made at lease XXXX deposits from trust accounts since banking with Bank of America. This instance, they cleared the funds XX/XX/2019 completely, credited my account the full amount XXXX both checks ) and then took money back out of my account on XX/XX/2019 claiming it was a " hold ''. The letter states the funds were placed on hold on XX/XX/2019 ( which is untrue ) and that the funds will be available XX/XX/2019 ( which violates the Federal law the Expedited Funds Availability Act ). How can they continue to get away with this?
Product: Credit reporting, credit repair services, or other personal consumer reports

This company has no legal, binding contract and has been reporting erroneous information to the credit bureaus illegally. I have been requesting that this company send me evidence that they can legally report this information to the credit bureaus since the beginning of this year. I have given them chance after chance to correct their information and present me with the correct evidence. They continuously send me copies of a bill even after multiple rejections of this " evidence ''. They have " picked and chose '' which credit bureaus to remove accounts. I have requested validation and not verification multiple times to no avail which leads me to believe they have no binding contract and are reporting this information illegally. This erroneous and negative information has prevented me from refinancing my home, purchasing a new home, and purchasing a family car at affordable rates.
Product: Debt collection

Approximately 2 years ago, I was no longer under contract with XXXX. I had period of over 30 days that I had no internet service, XXXX claiming they had " local equipment issues ''. They promised me a credit, then did not issue it. Based upon the fact that they had not delivered the service I had paid for, and were not sure they could continue to offer the service, I switched providers. 

XXXX falsely claimed I was under contract. I produced documents that proved I was no longer under contract and could cancel. I also produced notes about the credit that was promised and never issued. 

XXXX placed me with a collection agency. I disputed it and provided the same information. That collection agency removed me due to the fact XXXX could not substantiate and I had evidence XXXX placed the debt a second time with a second agency, MRS . This is now a second placement of an approximately 2 year old false claim. It is unreasonable to expect me to hold onto documents indefinitely and have to provide them over and over again to random collection agencies MRS has also added a mysterious additional charge of {$200.00} for no reason. I have already disputed this and told them I require verification if they intend to pursue this. MRS has NOT answered me. 

XXXX can not charge me for a service they failed to provide me, especially a service I had already paid for. They may think submitting the debt numerous times to various different collection agencies will result in some money, but I am not going to fall for this unethical and probably illegal tactic. 

This alleged debt is absurd, I owe NOTHING and I want it removed once and for all
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I attempted to make a cash deposit of {$340.00} at a Bank of America ATM in the XXXX XXXX neighborhood of XXXX XXXX. I was able to insert my debit card, put in my PIN number, select " make a deposit, '' and deposit the cash. I had {$340.00}, but two of the dollar bills I inserted were wrinkled, and I had those returned to me. After this, I waited for a long period of time with nothing happening, then my debit card was ejected. I did not receive any information from the ATM on how much cash I had just deposited, any information on the cash deposit being updated to my account, or a prompt to receive a receipt from the transaction. This was highly irregular from my previous experiences making cash deposits at this ATM.
Product: Credit reporting, credit repair services, or other personal consumer reports

Provided Experian with the proper dispute letter showing that they were inaccuracies on my account and if it was showing inaccuracies, according to US code 1681 that they should remove this from my account, Experian has been reporting this negative account on my credit report for years showing inaccurate information company is using manipulative wording, and tactics to keep this on my credit report according to US code 1692I these practices are illegal, and since they have been reporting this on my report with these inaccuracies, this loan, this debt must be removed from my account the account number is XXXX this is now reporting as closed on my report instead of removed. Due to it being in accuracies on my other credit bureaus, it has been removed, but continues to stay on Experian.
Product: Money transfer, virtual currency, or money service

I am writing to formally express how frustrating it is when Zelle is supposed to deliver your money as soon as it sends and sometimes you dont receive it till later when you need it at moment and then you have to pay with cash because the funds arent available right away when that wasnt the plan. The CFPBs say Zelle has neglected the protection of consumers
Product: Credit reporting, credit repair services, or other personal consumer reports

In according with Fair reporting act XXXX  Accounts 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 : states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1682C 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
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX Balance : {$350.00} ; XXXX XXXX XXXX : {$1700.00} ; XXXX XXXX  XXXX Balance : {$120.00} ; XXXX XXXX XXXX Balance : {$4800.00} ; XXXX XXXX  XXXX Balance : {$800.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$210.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$370.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$820.00} ; XXXX  XXXX Balance : {$500.00} ; XXXX & XXXX XXXX Balance : {$4200.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$700.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$750.00} ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

On XX/XX/year> I went to https : //www.newrez.com/ to make my mortgage payment. Even though I always pay online using the same computer I am constantly challenged even though I always check the " do not challenge on this device '' option. Since this is an ongoing issue because that option does not work, I called customer service to complain. The agent I spoke with asked me if I wanted to make my payment while I was on the phone, so I did so. She confirmed that the payment had gone through. Today when I looked at my checking account to see if a deposit had cleared yet I discovered to my dismay there was no record of the XXXX New Rez payment. The NewRez website did not show the payment as either having been made or even pending. I called NewRez customer service again, and the agent I spoke with this time said the payment had not been made. When she looked at the records she confirmed I had called on XXXX and that the agent I spoke with had confirmed my payment but at some point after that there was " an error '' that prevented the payment from going through. I asked her if the problem was with my bank and she no, that the problem was with NewRez. When I asked her what the problem was she said she had never seen this error message before and that the " system '' did not say what it was. While I was on the phone with her I went to the New Rez website again to make the payment and this time received an email confirmation. NewRez has been unable to provide an explanation of what happened to my original confirmed payment made on XX/XX/year>.
Product: Money transfer, virtual currency, or money service

I transferred money from my PayPal account that was rejected by my bank. 
PayPal refuses to put the money back into my PayPal account and details an extended wait time due to their internal systems. I think they are committing fraud by not placing the funds back into my account.
Product: Mortgage

We did closing of our new home last week and we had a bad experience with the lender Liberty Home Mortgage. 

XXXX.They charged us very high origination cost ( got it verified from other lenders ) for an amount of {$16000.00}, to bring down the interest rate, but got the same market rate the date it was locked ( 30 days ) .When I asked why the charge is so high, then the loan XXXX XXXX XXXX arrogantly said no lender gives jumbo loan to H1B ( I had pre-approval from XXXX other landers who agreed to approve my jumbo loan ) XXXX.The final closing disclosure was sent just XXXX hour before the closing time, this was done intentionally so that we as a buyer get no time to negotiate the loan costs Liberty Home Mortgage Phone ( XXXX XXXX XXXX XXXX XXXX Email : XXXX Toll-Free : XXXX Toll-Free Fax : XXXX www.libertyhomemortgage.com XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX
Product: Payday loan, title loan, or personal loan

I applied for a personal loan with PENFED CREDIT UNION and i was declined for reason that are not true, several of my colleges in sale and bank institution told me there's no reason to be declined i have XXXX credit score XXXX  credit history, 1 % credit card used house pay-offf, XXXX  vehicles pay off in history,,, no debt what so ever i have history of payment on personal loan it makes no sense to be declined ... 
there are discriminations that's what that is there's no reason to be declined i im going to take this to this all the way this is not legal
Product: Debt collection

Fair Collections and Out XXXX XXXX XXXX XXXX XXXX 
XXXX, MD XXXX Claims I owe {$1500.00} for back rent at XXXX XXXX. in XXXX, FL. 
I never resided there, however, gave them info on people that I knew from college that did. It is obvious that someone may have used my info to rent there. XXXX did not want to hear it or provide documentation even after proving I resided in XXXX XXXX, FL at the time. 
Ultimately they still resorted to turn it over to collections
Product: Credit reporting or other personal consumer reports

Subject : Complaint Against Experian for Violation of Fair Credit Reporting Act Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Experian for its failure to properly investigate and remove inaccurate account information from my credit report in violation of the Fair Credit Reporting Act ( 15 USC 611 ). 
Account Information : Creditor Name : XXXXXXXX XXXX Account Number : XXXX Amount : {$9900.00} XXXX previously submitted a dispute to Experian regarding the inaccuracies in the above-referenced account. Despite providing evidence supporting the inaccuracies and requesting its removal from my credit report, Experian failed to conduct a thorough investigation and the disputed account remains on my credit report. 
As a consumer protected under the Fair Credit Reporting Act, I have the right to request the removal of inaccurate or outdated information from my credit report. Experian failure to comply with this law is a violation of my consumer rights and has caused me financial harm and distress. 
I respectfully request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action against Experian for its non-compliance with the Fair Credit Reporting Act. I am seeking the immediate removal of the inaccurate account information from my credit report and appropriate measures to ensure that Experian upholds its obligations under the law. 
Thank you for your attention to this matter. I look forward to a prompt resolution and your assistance in rectifying this issue. 
Sincerely, XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This collection agency is constantly putting this negative item on my credit report. I am not liable for this debt with XXXX  XXXX. I do not have a contract with the collection agency IQ DATA INTERNATIONAL INC.  They did not provide me with the original contract that I requested several times. They are causing me irreparable harm and they won't stop.
Product: Checking or savings account

My direct deposit never showed up even though my employer shows they paid me. I saw on social media that I'm not the only one impacted and that Capital One will not address the issue.
Product: Payday loan, title loan, or personal loan

On yesterday the XXXX I attempted to use the app but it gave me a message telling me that PNC has made a change that prevents the app from Linking my account and I would just like this resolved as soon as possible
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to Equifax by phone and mail. I explained that these same inquires were deleted and now they have repaired. I need those items gone and never appear again.
Product: Debt collection

I received a letter in the mail from a debt collection company based in XXXX XXXX MN ( I.C. System, Inc ) It claimed that I owed {$1400.00} to XXXX XXXX ( another company located in XXXX XXXX, MN - address : XXXX XXXX XXXX, XXXX XXXX MN XXXX ). The letter did not show an itemized breakdown of expenses. I do not know what goods or services were purchased for {$1400.00}. Prior to the letter, I have never been contacted by XXXX XXXX regarding an outstanding debt of any kind. I have never heard of either company. Now, this debt collection agency is stating that this debt is on my credit report. I informed them that this debt did not belong to me. The debt collection agency is asking that more of my private information be submitted to them for further review. They have provided no proof that I owe this debt.
Product: Checking or savings account

An chase checking account was opened in my name without my authorization. The bank is taking action on the account but told me to report the account.