23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

My saving account has been hacked for {$5900.00}. Bank of America credited my account {$5600.00} but they refused to credit me on the transaction amount of {$300.00}. I never do business with this merchant XXXX XXXX, i never opened any account with this merchant. I went to the local branch of bank of America to discuss the matter and still not resolved. 
Note : the whole hack amount ( {$5900.00} ) came from the same merchant XXXX XXXX.. claim # XXXX
Product: Money transfer, virtual currency, or money service

I am writing this formally to express concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelles numerous times and reporting discrepancies my financial institution failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was infeasible. The CFPBs finding indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offender 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

I am distressed to inform you that you have included inaccurate information in my credit profile and have failed to maintain reasonable procedures in your operations to ensure maximum possible accuracy in the credit reports you publish. Credit reporting laws require that bureaus report only 100 % accurate credit information. YOU ARE VIOLATING FCRA REGULATIONS AND UNITED STATES FEDERAL LAW.

Please block and remove all erroneous information from my credit report and send me an updated copy.

Under the Fair Credit Reporting Act ( FCRA ), this disputed item may not appear on my credit report if it can not be supported by any evidence.

15 U.S. Code 1681n - Civil Liability for Willful Noncompliance, 15 U.S. Code 1681o - Civil Liability for Negligent Noncompliance, and 15 U.S. Code 1692k - Civil Liability : I am entitled to monetary compensation due to your multiple violations. Specifically, under FCRA 15 U.S.C. 1681i ( 6 ) ( Notice of Results of Reinvestigation ), a consumer reporting agency must provide written notice to a consumer of the results of a reinvestigation within XXXX business days of completion. Failure to do so constitutes a violation of my rights. 

Additionally, as per FCRA, a " consumer report '' excludes any report solely detailing transactions or interactions between the consumer and the reporting entity. Including late payments or derogatory statuses constitutes an infringement of 15 U.S.C. 1681a ( d ) ( 1 ).

Accounts listed below in green color highlighted and tag as in violation under 15 U.S. Code 1666 ( b ) billing error are inaccurate late payment history, must be updated to paid on time as never been late as agreed.

( 4 ) The creditors failure to properly reflect a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error in the creditors accounting on a statement.

This is a clear violation of the United States Code Law ( TILA, 15 U.S. Code 1666 ( b ) ). These accounts must be updated to reflect " paid on time. '' Any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) And Accounts listed below in yellow color highlight text accounts in status of Charge off that is tag FDCPA Section 807 Violation Misleading False Reporting together with incorrect personal information Must be deleted Immediately!.

Collection Accounts listed below in yellow color highlighted that is tag as in violation Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent is identity theft Instruction : As a consumer by law this account must be deleted immediately! 

Items listed below that is tag as Unauthorize inquiries that's 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. Must be deleted in my credit report. 
Please update my credit report as per law abiding accuracy of data.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was hit was a hard inquiry from XXXX from XX/XX/2018. I did not sign or authorize them to do this. Under the fair credit act I have up to 30 days which I disputed this already twice and no results. I am hoping here you guys can look into the situation and remove this false inquiry from my XXXX, Experian and any other credit reports this might be on. As the information is false. Thank you
Product: Mortgage

I am applying for a new mortgage and used XXXX to compare. XXXXXXXX XXXXl had the best rates. After working through the process with them they are simply a loan broker, being paid a {$4000.00} fee to do a loan through Freedom mortgage. This fee appears to be above industry standard. While reviewing the loan disclosures, Freedom 's disclosure that goes along with the XXXX has no limitation to scope or time. They can pull any tax records " in perpetuity ''. I asked them to limit the scope to applying to this mortgage specifically and limit the time frame. They said no and the form is a GOV document. I said it was not a GOV document it was a lender doc that accompanies the GOV form XXXX. They argued back and forth and ultimately said sign it or the loan won't close. 

The loan officer at XXXX financial also changed my application figures to " make the process easier '', one example was " grossing up '' my VA benefits and removing two other sources of income, despite my asking for it to be documented accurately multiple times. He said this change was made because the lender allowed him to, and they would not change my numbers to accurately reflect my income- though I have to attest to their accuracy. 

I have since read about the CFPB fine against Freedom in 2023, among multiple other bad reviews, and losing their XXXX XXXX. I have cancelled that loan, but I want to make sure other consumers are protected. 

Additionally, XXXX will not let you opt out of " For our marketing purposes- to offer our products and services to you ''
Product: Credit reporting, credit repair services, or other personal consumer reports

I hope your day is going well, but I need your help. I noticed some inaccurate accounts on my credit report. I did some reading on the internet about credit reporting laws, and from my understanding if a consumer finds errors on their credit report, they have a right have them fixed, right? I got this information from theFTC and also spoke with someone with you all who told me to submit my complaint here.This incorrect information on my credit report is causing problems when I try to apply for credit.I reached out to each account on here and just can't get anyone to help me. They keep sending from one person to another. I have been dealing with this for a whole month now and the accounts are CHILD SUPPORT ENF AG N, XX/XX/XXXX I am doing this on my own behalf and really need someone to help me with this. Also there are several times where someone ran my credit and I didnt give anyone permission to run my credit. If you all can help me with this as well I appreciate it. XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I experienced the following : - My name was added to a credit card as an authorized user - The statement was set to generate XX/XX/XXXX. 
- The balance was paid, leaving approximately a {$50.00} balance - The payment was made via phone, because the online system was malfunctioning - The customer service rep advised us that payment would be applied and posted that day That did not happen and the credit card reported with a much higher amount, a maxed out balance. This is a problem for me, as I am in the process of closing on a mortgage. This reporting of the incorrect balance has dropped my credit score 40 points. I need the balance updated with all 3 bureaus.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : recently I did an investigation on my credit report and I found several items on there to be inaccurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please consider this a formal request to investigate and correct the following inaccurate items on my credit report issued by your agency. These items must be removed in order to show my true credit history. I make this request pursuant to15 USC Section 1681i of the Fair Credit Reporting Act of 1997. As required by the Act, I demand that you re-verify each of these items, and that the inaccurate items be deleted from my record. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX POLICE REPORT XXXX XXXX Under the Fair Credit Reporting Act, you have thirty ( 30 ) days from your receipt of this letter to re-verify these entries. According to this law, failure to re-verify these items within thirty ( 30 ) days constitutes reason to drop the information from my file. 

Also, 15 USC Section 1681i ( d ) requires that you notify me when the items have been deleted. Under 15 USC Section 1681j, there should be no charge for this notification or for the corrected copy of my report. Finally, please send me the names and addresses of all individuals you contacted so that I may follow up with them directly. Thank you for your assistance in this matter.
Product: Credit card

Hello, I was told by two different managers that Apple Goldman Sachs does accept payment from a balance transfer credit card. I had XXXX XXXX send a payment to them two different times. Both times, Apple/Goldman Sachs claim they did not receive the payment. The manager said this is common and they cant do anything about it. First payment was processed by XXXX to Apple in XX/XX/XXXX and then again on XXXX
Product: Debt collection

I just called ACA of XXXX and they are trying to collect zoombie debts from 2014 which i haven't been to those hospitals. She couldn't give me details just the balance. This is XXXX violation. Hello, Im shocked, surprised, stressed out both physically and mentally to find this medical collection in my credit without proper notice or even allow me to contest it. Its not mine! - Don't waste my time by partially responding to this demand. Therefore, I am demanding under my consumer rights that you send me ALL the following documents to me. Because if not now, then you will be forced to produce them to my attorney in the discovery phase of the lawsuit. So, to save yourself potentially paying my legal fees ( Which are ridiculously expensive ), I will just go ahead and order them now, so I can turn it over to him. 
Please provide me with the following : A signed and Notarized copy of the HIPPA release that allows you to access this alleged medical record What the money you say I owe is for Explain and show me how you calculated what you say I owe Provide me with copies of any papers that show I agreed to pay what you say I owe Provide a verification or copy of any judgment if applicable Identify the original creditor Prove the Statute of Limitations has not expired on this account Show me the you are licensed to collect in my state Provide me with your license numbers and Registered Agent or Agent of Service If your offices are able to provide real documentation as requested in the following Declaration, I will allow at least 15-days to investigate this information and during such time all collection activity must cease and desist. 
Also, during this validation time, if any action is taken which could be considered harmful to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting agency that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX XXXX XXXX account # 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: Student loan

I contacted the financial institution and requested to speak to a supervisor. I was promised on multiple occasions I would receive a call back because a supervisor was not available. I never received any calls nor written communication from the financial institution. I wanted to discuss my loans and qualifications for a future loan. Recently I applied for a loan and was told I needed a co-signer. I'm uncertain as to why I'm unable to qualify on my own. I'm still unable to get someone on the phone to assist me with my inquiry. I want to know why I was denied a loan on my own. I have just one more semester until I graduate and I begin working full-time. If they are unable to assist then I will consolidate my loans and take my business elsewhere.
Product: Bank account or service

I had requested an expedited external transfer for an additional {$7.00} fee on XXXX/XXXX/2015. However, TD Bank failed to mention that the fee would be deducted from my account a few hours AFTER the transfer had been complete ( industry standard practice is to deduct the fee immediately ). This caused me to fall below my minimum daily balance of {$100.00} by {$7.00} ( to {$93.00} ). I immediately transferred an additional {$15.00} to the account just to be safe and avoid a fee for dropping below my minimum balance. However, I was charged {$15.00} on XXXX/XXXX/15 ( XXXX! What XXXX! ) for falling below my minimum balance for less than 72 hours. I feel that the bank intentionally delayed the deduction of the {$7.00} transfer fee in order to collect an additional {$15.00} fee. I had called them and they gave me a typical, pre-scripted response, and claimed that they were unable to help me.
Product: Vehicle loan or lease

I noticed an unauthorized inquiry on my report XX/XX/year> According to the FCRA ( Fair Credit Reporting ACT ) legally this unverified unauthorized item MUST be removed!!!!! 
-Lightstream XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax changed my address on my credit report and I am not sure why. I filed four disputes to fix it and they continue to get it wrong! I spoke with a supervisor today, XXXX XXXX, 2017 and she asked me if I submitted documentation. I told her that I submitted a copy of my drivers license twice, yet they continue to get my address wrong. I also explained to her that DMV has my zip code incorrect on my license. She proceeded to tell me that she had to go by what was on my license. I told her that I want my address to reflect what it has been for the last 8 years since I purchased my home because my address has not changed. I asked her to go by the address that has been on my credit report for years. I am very frustrated because I would not have to go thru all of this if they did not change my address in the first place. I am just trying to get it back to what it is was and is supposed to be. Well the supervisor told me that she had to use my zip code on my license so I asked to speak to her supervisor or someone higher than her. She transferred me to another supervisor instead. Her name is XXXX, ID number XXXX. I asked XXXX if she was the previous supervisors supervisor, or if she was just another supervisor like the previous rep. She told me she was a supervisor just like the previous one. After going back and forth with XXXX, she proceeded to tell me that they have a XXXX XXXX address for me as my current address. I told her I have not lived there in 20 years and that she was incorrect. I told her that was probably showing because the previous rep deleted my current address when she was in the process of changing it until I asked to speak to her supervisor. She tried to tell me that one of my creditors updated my address to that and I told her she was wrong. None of my creditors ever even had that address because it was from so long ago. My creditors are recent creditors. She tried to argue back and forth with me regarding this. I explained to her that even my dispute letters have my current address on them but with some wrong information so they did not have XXXX XXXX as a current address, otherwise that would be on my dispute letters. She proceeded to update my address to my current address but with the incorrect zip code. I have copies of all of the disputes. It is disgusting that a company operates like this when they are charge of something so important as consumer credit reports. What else do they have wrong? Everyone that I spoke with had a strong accent and were difficult to understand at times. It seems like this company is operating out of a foreign country.
Product: Credit reporting, credit repair services, or other personal consumer reports

Unauthorized and unverified accounts appear on my credit report
Product: Credit card

We have a Bank of America credit card for many years now. Every month I set up the payment to be taken from our checking account ; usually for the full amount due. This month, XXXX 2015, I set the amount to be paid ( {$8700.00} XXXX to come out of our checking account on XXXX XXXX, the due date. It did. The total amount due was {$8700.00}. On XXXX XXXX, they also deducted another {$8700.00} from our checking account. Fortunately, we had just sold our house, so we had money to cover the double payment! I called them on XXXX XXXX and asked them to put the money back. I was told it would take XXXX business days to do so. It finally reached my bank, this morning, XXXX XXXX. We were never given an explanation on how this happened, compensated for the use of our money, which I feel is only fair. If we had not sold our house, this would have put our finances and other payments taken from our checking account in serious jeopardy! My greatest fear is that this might happen again with them. I will be canceling our credit card within the next month. Thank You
Product: Credit reporting or other personal consumer reports

I have an unauthorized inquiry from XXXX XXXX XXXX on XXXX. Ive already sent in a dispute complaint about this unauthorized inquiry and XXXX XXXX  as well as Equifax stated that this inquiry would remain on my consumer report. Under the FCRA specifically 15 U.S Code 1681 ( n ) I am entitled to protection against any unauthorized use of my personal information including inquiries into my credit report without my explicit permission. XXXX XXXX  have no permissible purpose by law to contact third parties with my private or personal information. This offense amounts to aggravated identity theft persuant to 18 U.S.C 1028A. I have not initiated any transaction with XXXX XXXX  furthermore i do not have an account as defined under 15 U.S.C 1693a ( 2 ) with XXXX XXXX  for review or collection. This needs to be removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is inaccurate information on my credit report. I have attempted to resolve this with the creditors but was unsuccessful. I was not initially aware of the impact my information had on my credit. I am trying to take steps to correct prior credit problems. The inaccuracies make it difficult to obtain new credit. Please help me to resolve this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Called several times during the last four months to this mortgage company that voluntarily and with purposely tried to still my money. Making reference to the COMPLAINT ID XXXX SUBMITTED ON XX/XX/2021. They voluntarily tricked me with the escrow payments. They received the reimbursement from the XXXX XXXX XXXX tax office and they never reconciliated the payments that I make. This resulted in the lost of over a {$1000.00} from my money, and a fault report to the credit bureau. They stole over the previous mentioned money due to a scan to still money of their customer, and after several calls to their customer service department, still no action from them. It's a never ending story to still money from disable veterans like me.
Product: Credit reporting, credit repair services, or other personal consumer reports

PLEASE SEE ALL ATTACHMENTS On XX/XX/2022, I submitted complaint ID : XXXX. I have attached my original complaint, identification, and identity theft report, again. 

Experian has failed to meet their obligation of federal law. In accordance with 15 U.S. Code 1681c2, I have provided all of the information required. Experian has failed to block and delete ALL the identified information resulting in identity theft from my consumer report. Experian is willfully and knowingly noncompliant with the FCRA.
Product: Vehicle loan or lease

I made numerous email requests of the following message- This message is time sensitive and in regards to the above mentioned account. As of XX/XX/XXXX this loan was paid off. I am currently working on refinancing my house and need information about this loan. I have received a transaction history and account statement letter. However neither of those provide information requested by my mortgage lender because your company doesnt update the credit bureau as soon as a change is made but at the end of each month. The auto generated account statement letter does not state the account is closed, in good standing, and no longer delinquent. Please send a letter as follows below. 

I need a letter on company letter head With my name Account number - XXXX Last payment made and amount Current account balance - {$0.00} Current account status ( closed- paid in full, in good standing and not delinquent, no current late payments ) As a consumer I have a right to receive the requested account information. This can be faxed directly to my mortgage broker at ( XXXX ) XXXX. 

Thank you for your time and urgency, XXXX XXXX - XXXX XXXX ( XXXX. ) Each time I was sent the same letter that had no change to the letter and was inadequate per the credit bureau and my mortgage broker. 

I also called numerous times, spoke with several different people, several different supervisors and even requested a call back from the division manager who never called me to. I was told they are not allowed to write letters with information I requested, information to correct the account information with credit bureaus. The loan was paid off 100 % and I am in the process of refinancing my home and this needed to be done in order to move forward.
Product: Credit reporting, credit repair services, or other personal consumer reports

Apply for auto loan
And representing pulled credit multiple times without asking
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act the following creditors have violated my rights under : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

XXXX XXXX XXXX XXXX - Account Number XXXX XXXX ) XXXX XXXX XXXX XXXX - Account Number XXXX XXXX ) XXXX XXXX  - Account Number XXXX XXXX ) XXXX XXXX XXXX XXXX - Account Number XXXX XXXX ) XXXX XXXX XXXX XXXX Account Number XXXX XXXX ) XXXX XXXX - Account Number XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX - Account Number XXXX
Product: Credit reporting

Looked at a printed Experian copyPrevious employer " XXXX XXXX '' is listed under " XXXX XXXX XXXX '' looks like they are questioning ss # and address. needs to be fixed