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

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
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 has violated my rights. 

I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act 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 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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 informed XXXX that all my accounts have been paid in full and they are still showing these accounts with Balance Owed. I want XXXX XXXX to correct my Credit Report to show accurate information. 

By showing these accounts with Balance owed they have knocked my Credit Score from XXXX to XXXX. 

I ca n't get a loan at this time because of XXXX XXXX Inaccurate Information on my Credit Report. 

I want an investigation as to why they have n't corrected my Credit Report. 

Waiting for a Reply. 

XXXX XXXX
Product: Debt collection

I was issued a Cashier 's Check drawn from XXXXXXXX XXXX XXXX XXXX. The cashier 's check was for the total amount they are attempting to collect, however, the amount of cash which was actually withdrawn from the account at the time the check was cashed was much less. The Cashier 's check was for : FAIR COLLECTIONS & OUTSOURCING Potentially Negative Date Opened XX/XX/XXXX Balance {$3900.00} XXXX account. {$3900.00} past due as of XX/XX/XXXX. 

There was about {$200.00} in the bank when the check was deposited. The check was not as it appeared, it appeared legitimate and the banker at the drive through verified funds. There was then a later activity on the account where a representative from XXXX Bank accessed the account, and entered the total amount of the check as being withdrawn, a negative amount rather than the difference between the balance at the time of the deposit, the amount withdrawn from the account at the time of the deposit ( less cash written in the lower section of the right side of a deposit slip ) and the total amount remaining. 

The actual amount owed to the bank is about {$800.00}. 
When going into the bank, the man at the customer service desk placed me on the phone with what was supposed to be their fraud unit. The man on the phone was offensive, rude, and did not assist at all regarding the transaction. 

The bank sent copies of the deposit slip, the cashier 's check, and of the balances resulting in the transactions. 

Everything they sent was deleted from my home computer and from my email. 

When I tried to take cash to deposit money for the negative amount entered resulting from the Cashier 's Check being no good, the card was blocked and no money was accepted at the ATM machine.

The total amount of the check was not withdrawn from the bank at all, and they also attempted to collect locally in illegal forms of collection using trafficking of children. 

The bank is abusing their collection options and the amount is incorrect. 

It was reported to the city police where the account was opened in XXXX, NY on the corner of XXXX and XXXX XXXX XXXX. The police report number has also been since taken from any records in an attempt to say there is no report to refer to only the excess amount of the collection.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX. XXXX  XXXX It shows in the payment history, 120 days late on XX/XX/XXXX and XX/XX/XXXX. This is factually incorrect. Remove/Delete this account due to factual inaccurate reporting. 

XXXX. XXXX XXXX XXXX XXXX not late in XX/XX/XXXX. Provide information on how this was verified. Update the account status to paid as agreed, never late XXXX. XXXX XXXX  I was not late in XX/XX/XXXX. Provide information on how this was verified. Update the account status to paid as agreed, never late XXXX. XXXX XXXX XXXX This collection should not be reporting a payment history and past due amount. Delete/Remove account due to factual inaccuarcy. 
XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Payment history shows, 120 days late on XX/XX/XXXX and XX/XX/XXXX. This is factually incorrect. Update the account status to paid as agreed, never late
Product: Credit reporting, credit repair services, or other personal consumer reports

There is plenty of incorrect information on my credit report such as misspelling of my name and addresses i am not associated to. 
The name associated XXXX XXXX XXXX is incorrect. 
The name associated 'XXXX ' is incorrect. 
These addresses are not mine : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX XXXX XXXX  XXXX XXXX XXXX XXXX ca XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, ca XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX
Product: Mortgage

Newrez purchased our home loan from XXXX XXXX XXXX a few months ago. Since then, Newrez has been drafting mortgage payments, as well as sending us monthly statements. I'm trying to manage my loan online w/ Newrez, as well as obtain my 2023 Form 1098 for my tax filing. Newrez website does not recognize my loan number, even though its printed on my statement. All phone numbers on all communications from Newrez are unreachable from my cell. I've called dozens of times and the message always says the call can not be completed as dialed. I've emailed Newrez multiple times asking for help, and I've never received a response. Their main number is XXXX. Their email address is XXXX. I want to make sure my loan is being serviced by a legitimate company.
Product: Debt collection

Capital one/walmart card calls as early as XXXX XXXX  and as late as XXXX XXXX  ; sometimes leaves a message, other times does not, calls multiple times per day. They are calling even if I am 1 day late.
Product: Credit card or prepaid card

I applied for the Fifth Third Trio Credit card online. https : //www.53.com/content/fifth-third/en/personal-banking/bank/credit-cards.html The page clearly states that I will earn {$100.00} after spending {$1000.00} in the first 90 days of opening the account. I even called 5th/3rd/ when I applied to ensure I was eligible for this promotion and was assured that I was. I spent the {$1000.00} in my first 30 days and have waited the 8 weeks for the XXXX  points ( {$100.00} rewards value ) to be applied to my account, it has not been applied as of today. 
I called today to ask for the status of this and was told I should have received a promo code - and since I didn't, I don't qualify for the offer. That makes no sense as the promo code would have had to come from 5/3 bank. 
This is misleading in every way possible I just want the bonus points that I am owed.
Product: Debt collection

I have an account from springoakcap # XXXX for {$820.00} this account doesnt belong to me. I never had account with XXXX bank. This is really frightening Ive attached a copy of my affidavit as well and Im requesting a removal of this account.
Product: Credit card

I received a call from Barclays Bank in Delaware regarding an application for a JetBlue Credit Card - an application I never submitted. I did not answer the call, but the representative left a voicemail stating that they needed to speak to me to get some additional information before they can finish processing the application. I also received mailed correspondence from the bank about the application. I have not contacted the bank itself, as I thought the phone call was a scam. I checked my credit report once I received the mailed correspondence today and saw an inquiry to the bank for the card.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I provided the bureaus ( XXXX, Transunion, & XXXX  ) proof from the Oklahoma bankruptcy court that I havent filed bankruptcy and they dont validate that info to outside credit reporting agencies either. Instead of removing the mixed/merged information from my credit profile, they sent results saying the info was verified, but not validated, by a third party vendor.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items or information which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX PA XXXX XXXX BANK XXXX XXXX Balance {$0.00} XXXX XXXX XXXX Balance {$490.00} XXXX XXXX XXXX XXXX : {$2600.00} XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX Balance {$0.00} XXXXXXXX XXXX XXXXXXXX Balance {$11000.00} XXXXXXXX XXXX XXXXXXXX Balance {$1100.00}
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XX/XX/2024 Re : Account number : XXXX I was advised to write to you by your customer service department concerning my credit rating with your company. I have enjoyed a credit account with your company for many years. During the course of our business association, I have honored and respected my account agreement to the fullest. I appreciate how wonderful your service has always been. 
Unfortunately, 2 years ago, I was in a financial dilemma due to job loss and multiple health issues. As a result some of my payments to you were delayed. Because your account with me is extremely important I managed to borrow the money to cover the late payments. I paid those payments 30 days late on XXXX occasions over a nine-month period but I made sure to fulfill my obligation to ensure that your company suffered no loss. 
I am thankful and appreciative for the years of positive credit history that I have obtained through your company but now those XXXX late marks on my credit reports are causing me tremendous stress. I am trying to move up to a better paid position at my work, but the negative remarks are hurting my efforts. 
This is where my " Goodwill Request '' comes in. I desperately need this promotion and I would be extremely appreciative if you would please complete a XXXX XXXX XXXX XXXX XXXX and fax it to the credit bureaus to remove those entries. 
The credit bureaus have advised me that they will report anything as instructed to by you, but they need to have that instruction in writing. I beg that you may help me and take into consideration how good of a customer I have been and how long I have had an account with you. 
Thank you for your consideration, and I hope youll approve my request. 

Best, XXXX XXXX
Product: Credit reporting or other personal consumer reports

The purpose of this compliant is to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau on XX/XX/XXXXXXXX  and noticed that there are unauthorized inquiries listed. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. If you find any unauthorized inquiries, PLEASE REMOVE THEM AS QUICKLY AS POSSIBLE and send me a copy of my new, accurate credit report. 
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: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Formal Complaint Regarding Inaccurate Late Payment Reporting for Account with XXXX  XXXX XXXX ( Account # : XXXX ) Dear CFPB, I am writing to formally dispute the inaccurate reporting of late payments on my credit report related to my account with Bank XXXX XXXX XXXX Account # : XXXX ). Despite my previous disputes dated XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, TransUnion has failed to correct the inaccurate information, which constitutes a violation of the Fair Credit Reporting Act ( FCRA ) and other relevant laws.

FCRA Violations Under 15 U.S. Code 1681i, credit reporting agencies are obligated to investigate disputed information and ensure the accuracy of consumer credit reports. The failure to address these inaccuracies in my file violates this provision.

TILA Violations According to the Truth in Lending Act ( TILA ), creditors are required to provide accurate disclosures. The late payment reporting for XX/XX/XXXX and XX/XX/XXXX contradicts the provided payment history, where I made timely payments as evidenced by my bank statements. 
PAANL Violations The Protection Against Non-Payment of Obligations Act ( PAANL ) reinforces the necessity for accurate and timely statement disclosures, which has not been adhered to in this case.

Discrepancies The following discrepancies have been identified : Date of Last Verified : Reported as XX/XX/XXXX, which is inconsistent with my account status. 
Date of Last Activity : Reported as XX/XX/XXXX, which does not align with my records indicating activity in XX/XX/XXXX. 
Late Payment Reporting : Incorrectly marked as 30 days late in XX/XX/XXXX and XX/XX/XXXX. 
Two-Year Payment History The reported payment history does not align with the actual records. The incorrect 30-day late notations for XX/XX/XXXX and XX/XX/XXXX must be corrected immediately. 
Desired Resolution I am formally requesting : Immediate removal of the late payment notations for XX/XX/XXXX and XX/XX/XXXX. 
Written confirmation of the corrections made to my credit report. 
If this matter is not resolved promptly, I will escalate my complaint to additional regulatory bodies, including the Consumer Financial Protection Bureau ( CFPB ). 
Enclosed, please find the supporting documentation, including bank statements and prior correspondence. I trust that you will address this matter with urgency. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my follow-up request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX po box XXXX XXXX XXXX CA XXXX XX/XX/XXXX po box XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXXXXXX Balance : {$2800.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$46000.00} XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of recent CFPB lawsuit highlighting significant issues with its 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 infeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. The lack of accountability raises concerns about consumer safety
Product: Credit reporting or other personal consumer reports

In XX/XX/year> Sheffield financial reported my account XXXX late In XXXX which I wasn't late at all and once I disputed the XXXX late they Move the XXXX late to XXXX which I clearly submitted certified documents with the bank statement show it was paid but the never fixed the problem. Every time I filed a dispute they move the late payments back and forward from XXXX to XXXX to XXXX every single time! This company violated 15 USC 6801 AND 6802 and also 15 USC 1618B. If a representative of CFPB can get all the dispute results clearly seeing that its inaccurate in reporting is not acceptable and playing cat and mouse with dates and month of that closed account will see the reporting violation.
Product: Debt collection

In XXXX of 2018, I filed a dispute with XXXX about XXXX XXXX XXXX, to either verify the alleged debt owed, or remove it from my credit report, which they have made no attempt to verify the debt, as pursuiant to the Fair Debt Collection Practices Act, and as such, from my understanding, it is to be removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed multiple times incorrect/fraudulent information that has appeared on my XXXX  /Equifax credit report. I have ask to provide documentation of the alleged debt which has not been provided to me. I hired a credit repair service to help obtain information that at the point was still not provided. I have four accounts on my credit report that I have been opening up disputes and requesting that those items be removed from my credit report. To this day nothing has been updated nor have I received documents of the alleged debt.
Product: Credit reporting or other personal consumer reports

2 collections accounts were added to my Transunion credit score from XXXX XXXX XXXX, one for {$13000.00} and another for {$6700.00}. I have no knowledge of these accounts, of the apartments to which they correspond, or of XXXX. I filed a dispute with Transunion on XX/XX/XXXX which determined the accounts were accurate ( they are not ). I filed a CFPB complaint against XXXX on XX/XX/23 which did nothing. I began communicating with XXXX, requesting information on the accounts ( move-in dates, move-out dates, a list of charges, copy of signed lease, address of the apartment units, account numbers, etc ) and they refused to give me any information until I filed a Transunion dispute, which XXXX had already done. It seems that neither Transunion, nor XXXX XXXX XXXX have been doing their due diligence to resolve these issues and my credit score is suffering in the meantime.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax, XXXX and XXXX have been in direct violation of the following : 609. Disclosures to consumers [ 15 U.S.C. 1681g ] ( E ) a statement that a consumer reporting agency is not required to remove accurate derogatory information from the file of a consumer, unless the information is outdated under section 605 or can not be verified. ( Equifax, XXXX and XXXX   are unable to verify ) 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. '' FCRA SECTION 616 & SECTION 617 after disputing UNVERIFIED ACCOUNTS. 
They have failed to provide me with verifiable proof required, this is evidence that it does not exist and therefore is proof that Equifax, XXXX and XXXX can not properly Verify the accuracy of any of the disputed accounts. Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

THIS INFORMATION WAS REVISED XX/XX/2018
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the list of the accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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

15 U.S.C. 1681 Section 604 A Section 2 states that a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681c ( a ) ( 5 ) Section states that 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 conviction of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) states that 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

The credit bureau failed to verify the collection account XXXX XXXX XXXX ( account number XXXX ). I have mailed the following letters to Experian to dispute this inaccurate information on XX/XX/2021, XX/XX/2021, and XX/XX/2021. Please remove this inaccurate information.
Product: Debt collection

On XX/XX/year> I sent a certified letter requesting for Portfolio Recovery to send me the original contract. They removed it from my credit report and about XXXX months later put the collection back on my credit report and also updated it.