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

To Whom It May Concern, I am writing to demand the immediate deletion of the following inaccurate and unlawfully reported charge-off from my credit report within 72 hours : Account Name : Bridgecrest Balance : {$1600.00} Charge-Off Status ( Incorrectly Reported ) This charge-off has been paid, and any further reporting of a balance is a direct violation of the Fair Credit Reporting Act ( FCRA ) and consumer protection laws. 

LEGAL VIOLATIONS & GROUNDS FOR REMOVAL 1. Violation of the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681s-2 Under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ), Bridgecrest is legally required to maintain accurate reporting. The continued reporting of a paid charge-off is a clear violation of this federal law and must be corrected immediately.

2. Attempted Double Jeopardy in Credit Reporting Potential Fraud The balance has already been resolved, and any attempt to collect or report it again is fraudulent. Forcing a consumer to pay for the same debt multiple times is illegal under **15 U.S.C ( be advised that FTC report has already been submitted )
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX credit Bureau is reporting unauthorized inquiries XXXX XXXX XX/XX/22 XXXX XXXX XX/XX/2XXXX XXXX XXXX XX/XX/22 Equifax credit Bureau is reporting unauthorized inquiries XXXX XXXX XX/XX/22 XXXX XXXX XX/XX/22 I contacted both Credit Bureaus to resolve the issue but was denied
Product: Payday loan, title loan, or personal loan

The company Progreso also known as Oportun has been very unprofessional and negative about the resolution of my loan. Every time I call for information about pay off amounts, it 's a different story and bad costumer service as well having to describe to a several agents your situation. I have also been sued by this company for less than {$3000.00} dollars and keep adding costs to my pay off balance. This company is so bad that they continue the law suit even after I paid the fees they demanded I paid the latest {$2000.00} on X/XX/2017 after trying to pay off the entire amount since X/XX/2017 and a couple of times before that in XX/XX/XXXX, but every time I called a different agent had a different amount to pay. Overall it 's been a nightmare dealing with this company, I do n't recommend it to anybody. They have denied to deal with my Financial Mediator to step in in my favor. Above all, what upset me the most, was oportun, sending one of they 're employees to my house, Aggressively knocking my door, and handing me court papers, instead of mailing these forms, Oportun took Extreme Measures by sending someone to my house. This is a very corrupt Company, I will never deal with these individuals again.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX. XXXX XXXX XX/XX/1983. This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C 1681c-2 ) that you, the XXXX, the Equifax, and the XXXX credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving the complaint. This fraudulent, inaccurate, and false information consist of cars loans XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with all credit agencies that's showing inaccurate information. These accounts have resulted in several fraudulent hard inquires and several fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of hard inquires in question as well. 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 XXXXXXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquires of identity theft and fraud.
Product: Mortgage

Dear Sir or Madam, My current loan holder Penny Mac has increased my escrow account that has doubled my payment. They have calculated my county taxes in advance of the XXXX reporting for XXXX and have applied an insane figure of over {$15000.00} based on information they state was reported to them by Florida XXXX XXXX from someone that opened an application with XXXX or XXXX. They told me they would email this to me and I never got this letter they stated they received. When I was made aware of this, I called all programs with FL XXXX  and got email confirmations that I am not in these programs and have not borrowed or will be borrowing from them. I am not in the FL XXXX  XXXX  and am NOT obtaining any financing from these lenders EVER. This was a false reporting. I have told them this and explained that my country taxes as of XXXX are about XXXX a year. I have the proper escrow balance and have never been late and asked that this be fixed within 48 hours as my Mortgage payment is due on the 1st. They said they would fix this and it has not been fixed. I can not pay my normal monthly payment because it will allow only now the payment with the increased escrow amount of XXXX instead of XXXX. My payment is supposed to be XXXX. Not XXXX. If I am forced to pay this amount on the 1st it will be an extreme hardship to me. They have all the supporting documents and they can login to the XXXX XXXX XXXX Tax Appraisers site, I personally when to see a supervisor there and see that there is nothing showing that my taxes have increased 500 %! Please contact them asap to help me get this resolved. I have called them many times, they keep saying it will be fixed but it is not. The direct number to the contact there is Agent XXXX XXXX ext XXXX. I have bought the house in XXXX. Correctly escrowed always ... .have a surplus in the acct for my homeowners insurance for XXXX payment and there is no reason for me to have to pay this completely wrong amount until they decide to fix it! Sincerely, XXXX
Product: Money transfer, virtual currency, or money service

I am writing to deeply 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 CFPB '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 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 confidentially under 15 USC 1681. 

Account # XXXX XXXX XXXX  15 U.S.C 1681 Section 602 A. states I have the right to privacy.

15 U.S.C Section 604 A Section 2 : also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 ) 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 inaccurate and violating my federally protected rights. Im respectfully requesting these accounts be deleted. That you for your time!
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a fraudulent auto loan account opened at XXXX XXXX XXXX on XX/XX/XXXX, with an account number ending in XXXX totaling at {$13000.00} ; a fraudulent credit card account opened at XXXX XXXX in XXXX, XXXX, with an account number ending in XXXX totaling at {$590.00} ; and fraudulent XXXX XXXX obtained from XXXX XXXX XXXX XXXX in XXXX, XXXX, totaling {$700.00}. 

These fraudulent accounts have resulted in unauthorized hard inquiries and collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you, which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The 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 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 f

rom the U.S. Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. You are also in violation of 15 U.S.C. 6802. Obligations with re
spect to disclosures of personal information.
Product: Credit reporting or other personal consumer reports

I am filing this complaint because Experian has repeatedly failed to comply with their legal obligations under the fair credit reporting act FCRA. specifically, they have violated : >15 USC 1681e ( b ) failure to maintain the accuracy of my credit report.

>15 USC 1681s-2 negligence in ensuring the furnishers of information comply with there obligations.

> 15 USC 1681i ( 5 ) failure to properly reinvestigate disputes and remove inaccurate information.

>15 USC 1681c ( c ) inclusion of obsolete information in my credit report.

I have sent multiple dispute letters to Experian and even sent one out again today, they have failed to conduct proper investigation or reinvestigations, or outright ignored evidence provided.

to make matters worse I have learned about the recent CFPB lawsuit against Experian. stating that CFPB sues Experian for sham investigations of credit report errors. 
I sent a dispute about an account that was opened and sent to collections that was inaccurate and the original creditor was credit ninja and its showing a different company which I had no contract with. according to the FCRA section 605B it is illegal to report anything on my credit credit report without my permission. i need all negative items removed.
Product: Payday loan, title loan, or personal loan

Self lender is a account where you pay yourself and at the end of the loan you get the money back I paid twice on a loan and never got the money back they owe me {$1000.00} they claim {$750.00} but have sent nothing!!! they keep saying they sent a check and they don't send it ever it does not take over a month for a check to get here they are liars I look on the reviews and other people are saying the same thing it's a scam
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to request the suppression of these items from my credit report, which is the result of fraudulent item origination and identity theft. These fraudulent items should be DELETED from appearing on my credit report. I am trying to obtain credit and it is causing me too much emotional and financial distress because of these items that do not belong to me which is reported erroneously. I am in desperate need of these items to be INSPECTED and REMOVED. 

XXXXXXXX XXXX  XXXX XXXX XXXX  XXXX
Product: Payday loan, title loan, or personal loan

Issue - There was a Violation of Contract Law resulting in Contract fraud due to lack of providing full material disclosure as required by the TILA ( Consumer Credit Protection Act ) therefore there is a Billing Error that needs Resolution ( 12 CFR 1026.13 ) And as a result of the above, we request full accounting per GAAP as set forth in the Uniform Commercial Code that shows the accounting, and any credits related to the account to ensure that there has not been any credits issued to any persons without their knowledge but have not been appropriately reflected or disclosed, against any account, prior to continuing to make any payments, that way we know the specie in which any agreement, or promissory notes were converted to so we can make payment in that same specie. 
PURSUANT TO 9-210. REQUEST FOR ACCOUNTING ; REQUEST REGARDING LIST OF COLLATERAL OR STATEMENT OF ACCOUNT. - This was originally requested on XX/XX/2022 and has still not been provided. 

12 CFR Part 1026 - Truth in Lending ( Regulation Z ) : 1026.4 Finance charge. ( b ) Examples of finance charges. The finance charge includes the following types of charges ( 1 ) Interest, time price differential, and any amount payable under an add-on or discount system of additional charges. - You violated Regulation Z by not including the sum of all charges in the Finance Charge As a result of your failure to provide me with the full accounting details, this agreement is considered fraud in the factum. 15 U.S. Code 1692e - False or misleading representations Opportunity to Cure 1. Rescind the transaction 2. Release any interest in the property 3. Bring this account balance to {$0.00} 4. Return title of vehicle 5. Lawful return of all past and prior payments made in the sum total of {$15000.00} within 7 days If you fail to respond in good faith and according to the above criteria, it will be deemed a tactic by your acquiescence that no offence took place and that all parties to mean you and your principal or other parties abandon all demands upon me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX XXXX XXXX XXXX and XXXX XXXX customer service representative.
Product: Credit reporting or other personal consumer reports

I am demanding that you remove all inaccurate accounts from my credit profile in the next five ( 5 ) days or I will have no other recourse but to file an injunction against your agency under 617a1 which makes you financially liable for each inaccurate account. Also, under 616 Section A liability for willful non-compliance, your agency has yet to respond to my questions and statements of the Law. 
Please delete the following unverified fraudulent account : XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX I have file a report and compliant with FTC and XXXX Police dept.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act 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  has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX INACCURACY : XXXX OPEN DATE : XX/XX/XXXX XXXX OPEN DATE : XX/XX/XXXX EQUIFAX OPE DATE : XX/XX/XXXX LAST REPORTED : XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX EQIFAX : XX/XX/XXXX XXXX XXXX INACCURACY : XXXX OPEN DATE : XX/XX/XXXX XXXX OPEN DATE : XX/XX/XXXX EQUIFAX OPE DATE : XX/XX/XXXX LAST PAYMENT : EQUIFAX : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX OPEN DATE : XX/XX/XXXX XXXX OPEN DATE : XX/XX/XXXX EQUIFAX OPE DATE : XX/XX/XXXX LAST PAYMENT : XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX EQIFAX : XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX OPEN DATE : XX/XX/XXXX XXXX OPEN DATE : XX/XX/XXXX EQUIFAX OPE DATE : XX/XX/XXXX LAST PAYMENT : XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX EQIFAX : XX/XX/XXXX XXXX XXXX XXXX XXXX OPEN XXXX : XX/XX/XXXX XXXX OPEN XXXX : XX/XX/XXXX EQUIFAX OPE DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX EQUIFAX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX : XX/XX/XXXX XXXX OPEN XXXX : XX/XX/XXXX EQUIFAX OPE DATE : XX/XX/XXXX LAST REPORTED : XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX EQUIFAX XX/XX/XXXX XXXX XXXX : XXXX OPEN XXXX : XX/XX/XXXX XXXX OPEN XXXX : XX/XX/XXXX EQUIFAX OPEN DATE : XX/XX/XXXX LAST REPORTED : XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX EQUIFAX : XX/XX/XXXX LAST PAYMENT : XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX EQUIFAX : XX/XX/XXXX XXXX XXXX XXXX  : XXXX XXXX XXXX  : XX/XX/XXXX XXXX XXXX  XXXX : XX/XX/XXXX EQIFAX DATE OPEN : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX : XX/XX/XXXX XXXX XXXX XXXXXXXX : XX/XX/XXXX EQIFAX DATE OPEN : XX/XX/XXXX LAST PAYMENT : XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX EQIFAX : XX/XX/XXXX I have already sent letters to the credit bureaus asking them to verify the debt on my report. They have sent back stating that everything is verified. My credit report is still showing inaccurate information. I took a closer look to see that XXXX things were still incorrect. I have pulled my reports and see numerous inaccurate things. As well as saying different dates, and numbers on each credit report. This violates XXXX XXXX. XXXX ( a ) ( XXXX ) 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 the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against TransUnion for violating 15 U.S. Code 1681i ( 5 ) ( B ) ( ii ) ( iii ) by reinserting account XXXXXXXX XXXX without proper notice or certification**. This account was previously deleted, and I have attached correspondence from the furnisher confirming its removal. 

Under FCRA guidelines : You were required to notify me in writing within XXXX business days of reinserting this item. 
You were also required to certify its accuracy before reinsertion, which was not done. 
This is a clear violation of the Fair Credit Reporting Act ( FCRA ). I demand the immediate deletion of this account from my credit file. If corrective action is not taken promptly, I will pursue legal action.
Product: Credit reporting or other personal consumer reports

Hi My name XXXX XXXX XXXX having a problem i need help with .This statement is to inform you that you unlawfully reported fraudulent accounts that arose from IDENTITY THEFT that you did not verify as required by the law on my consumer report. 15 USC 1681b ( c ) furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 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 The following account listed below are a result of identity theft and was not initiated by me I demand that they are deleted immediately My identity has been stolen you are hearby put on notice Whoever during and in relation to any felony violation enumerated in subsection ( c ) Knowingly transfers, possession or uses without lawful authority a means of identification of another person shall in addition to the punishment provided for such felony be sentenced to a term of impressment of 2 years An identification of me has been used without my permission to open serval accounts that have damaged my reputation and damaged my mode of living because you furnished a consumer report without my written permission as stated by federal law 15 USC 1681b permissible purpose of consumer reports In General Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) IN Accordance with the written instructions of the consumer to whom it relates You have aided this fraud by not verfiying these accounts Congress States 15 USC 1681 Fair Credit Reporting Act ( a ) Accuracy and fairness of credit reports ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality and a respect for the consumers right to privacy Account name - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   /opened XX/XX/2022 Pursuant 15 U.S code 1681c-2 Block of information resulting from identity theft 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 not later than 4 business days after the date of receipt by such agency 1 proof of identity of consumer 2 a copy of identity theft report 3 the identification of such information by the consumer and 4 a statement by the consumer that the information is not information relating to any transaction by the consumer have attached all the relevant documents pursuant the above section of the law I demand all the above fraudulent accounts DELETED immediately
Product: Checking or savings account

I bank with Chase Bank and I have made 5 payments at different times in the last 60 days to the same payee in the amount of {$1600.00}. XX/XX/XXXX, XX/XX/XXXX and XXXX for {$500.00} on the XXXX of XXXX. The payee has only received one payment. I called Chase and asked for copies of the checks that went out and proof they were printed. They will not give me this information and I need prove this to the payee.
Product: Money transfer, virtual currency, or money service

on XX/XX/XXXX someone sold XXXX $ which was my paycheck from my XXXX XXXX XXXX  account and its barely the XXXX and told me that they are sending a letter and will be received on the XXXX of XXXX, i will keep you guys updated, my name is XXXX XXXX XXXX im a XXXX old XXXX  student, i will keep you guys updated please call me