23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have an automobile loan with Honda Financial Services. I will admit I'm a slow pay ; however, I have never been 30+ days late. However, once the grace period ends, Honda Financial Services collectors call on an average of 3 - 5 times a day. I have asked them every time that they call to please stop calling me so many times a day that it is bordering on harassment and that I would report them to the appropriate authorities. 

Their response to me was go ahead. We don't care. The regulators do nothing and won't do anything.
Product: Credit card or prepaid card

Bank of America closed my credit card account spontaneously and did not give me any reason as to why. I called them directly. XXXX from BOA was unable to give me an explanation. 

I have fantastic credit. This move on their part will severely damage my credit report. I would never have signed up to use a Bank of America credit card if I knew this is how they treat their customers. For the record, I have never missed a payment and do not carry a balance. 

Additionally, now I have to change over all my automatic payments. 

If you are reading this, do not sign up for any Bank of America services. I am done with them and will tell anybody who will listen to stay away.
Product: Debt collection

For a couple of years now, Penn Credit Corporation out of Pennsylvania has been seeking compensation for a debt that has been settled. In XXXX, I left my previous college institution of XXXX XXXX University. I transferred to my current college institution in XXXX, which required a transfer of my official transcripts. After I left XXXX XXXX, I paid off my tuition to the college as in order for them to make the transfer of my transcripts ( as it demonstrates within their policy ), I needed to have fulfilled my financial obligation with the University. In XXXX, the aforementioned Penn Credit Corporation contacted me stating that I owed a debt. Which is not possible, based on the information already provided. Though they ceased contact after I demonstrated to them twice that that debt was fraudulent, they recently in XX/XX/XXXX, re-attempted to collect money for this fraudulent debt. In my letters, I not only used their client 's own policy, I also informed them that I have my transcripts available ( which I do not have to share based on the Privacy Act ), and I also provided information directly from the U.S. Department of Education. 

Early XX/XX/XXXX, I also reported this organization to the XXXX XXXX XXXX for their tactics and attempt to collect a fraudulent debt.
Product: Mortgage

Our Family owns an automotive repair shop in XXXX Florida. We have served this community since the XXXX. My father in law had a loan with XXXX Bank. FDIC focreced BB & T to take on XXXX bank and thus our loan was now with BB & T. Everything was fine and BB & T even approved a 2nd Loan to the business with my father in laws guarantee. 
The economy tanked in XXXX XXXX and my father in law fell behind on the payments. 
In XXXX of XXXX my father in law passed away leaving everything in flux. I have a background in mortgages and specialize in loss-mitigation, so The day he passed away I reached out to the BB & T account manager at the time and his response was " yeah no wonder he had a XXXX XXXX after the news we were giveing him '' alluding to the pending forclosire. We have attempted to negotiate the terms of the loan, request to modify the loan, short-sale the property, requested the original loan documents, and even requested a BK attorney reach out to the bank in order to negotiate in good faith. The bank has been silent with the exception of leving our BB & T accounts on XXXX XXXX XXXX XXXX, putting us in a precarious situutation unable to make payroll and our Accounts payable. 
Since then our attorneys received notice of mandatory mediation secheduled for XXXX/XXXX/XXXX issued through the courts ; BB & T I suppse woke up because in the last two weeks they moved for a motion requesting forclosure decison be completed prior to mediation. 
We have worked tireslessly for the last two years to bring the company back from the edge of bankruptcy and the shop is doing well. We have emplyees and their families we are considering not to mention the lovely hood of a family that has depended on this business for 15 years.
Product: Checking or savings account

My name is XXXX XXXX Im a citazens account holder I deposited a check in to my account back XX/XX/ and for some reason that my bank has put a hold on my money and has refused to give me my money the hold was ment to expire XX/XX/ and I still havent received my money the bank has now extended the hold again till XXXX next year no body has helped me Im getting very annoyed and dont like the way I have been treated if some body could help me with this situation I would be very great full thank you my phone number is XXXX if someone call me
Product: Credit card

I have attempted to resolve a dispute with Bank of America numerous times for a fraudulent transaction charged to my Visa card on XX/XX/2023. The transaction was a " Coerced debt '' charge initiated by XXXX in XXXX, XXXX in the amount of {$1400.00}. My son and his friend were enticed into a club by the promise of a {$30.00} cover charge that included their drinks. When attempting to leave, the staff indicated they owed {$1400.00} to which they vehemently disagreed. At that time, my son 's friend was assaulted and physically removed from the establishment. My son, XXXX was then threatened with a baseball bat, and told if he didn't produce a credit card, he would be assaulted as well. In fear for his life, my son gave them his credit card. The staff refused to give him a copy of a bill and he didn't sign the charge slip. My dispute was denied by Bank of America. They refused to request the detailed bill or the signed charge slip from the merchant. This was clearly a scam and this charge was coerced through the threat of violence.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for an auto loan and was shocked when the dealership told me I have a negative account. Although I was still approved my interest rate was coming out higher. I reviewed my credit report and found a negative account that does not belong to me. I called the company to remove it and more than 60 days have past I have not received a response. I believe someone used to identity to obtain good that I am unaware of. I never used this company for any type of service nor have I given anyone authorization to use my name.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App XXXX XXXX XXXX XXXX ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( XXXX ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. 
Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( XXXX ) and XXXX XXXX These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX I have several inaccurate names on my credit report please remove any other variation of my name. I was going over my credit report and I noticed that there are several errors. 609 FCRA My current and only address is XXXX XXXX XXXX XXXX OH XXXX. I have attached my proof of ID. I do not live at the following addresses : XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX  XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX The following accounts are not mine I have never had an account with these companies I demand to see the contract, separate agreement or proof or claim affidavit for the following : 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 Federal Law requires that you provide mechanisms to ensure that each item on my credit report actually belongs to me. If the above items are inaccurate, misleading or incomplete you may have violated federal law,
Product: Credit reporting or other personal consumer reports

First I need to state my right to privacy is paramount. Im enforcing this right with this dispute l

etter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy. Under 15 U.S. Code 1681b ( perm
issible purpose ) I have never granted this company any permissible purpose. They are in strict violation of this code. I need these account ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On ( XX/XX/2022 ) I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXXXXXX XXXX  breach and may have got into the hands of the wrong person.
Product: Credit reporting or other personal consumer reports

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and Missouri Laws Dear XXXX I am writing to address a blatant violation regarding the unauthorized reporting of information to my credit report, as confirmed by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), and Missouri state laws pertaining to identity theft and consumer protection. 

It has unequivocally come to my attention that XXXX has engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that the consent of the consumer is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ).

In addition to federal law, Missouri state law provides protection against identity theft and unauthorized use of personal information, including the misuse of credit reporting data. Missouris Identity Theft Law ( XXXX XXXX ) criminalizes the unauthorized use of personal identifying information, and failure to comply with such protections may also be considered a violation of the Missouri Merchandising Practices Act ( XXXX XXXX ), which addresses unfair and deceptive business practices. 

I assert with unwavering certainty that I have not provided consent for ATLCAPBKSELF to report any information to my credit report. This undeniable lack of explicit permission constitutes a blatant violation of my rights, resulting in potential damage to my creditworthiness and a clear disregard for both federal and state laws. 

I demand that XXXX immediately ceases any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and Missouris Identity Theft Law. Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties under applicable federal and state laws, including Missouris statutes on identity theft and consumer fraud. 

Obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA and Missouri state law. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting. 

I anticipate your immediate attention to this matter and expect that XXXX will promptly rectify these egregious violations, respecting my rights under federal and state laws. 

Done in good faith.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The 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. The lack of accountability and transparency is unacceptable and rises serious concerns about consumer safety.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns Regarding zelle 's handling of dispute 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 Transaction was unfeasible. The CFPB 's Finding indicate that zelle has not only Neglected to protect consumers but has also Allowed repeat offenders to exploit the System leaving users vulnerable to scams This lack of accountability and transparency Is unacceptable and raises serious concerns About consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second time disputing these accounts that does not belong to me and that I did not authorize. This is an act of fraud and I am a victim of fraud. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The following account is listed below : -CAPITAL ONE BANK USA NA # XXXX -XXXX XXXX XXXX # XXXX -XXXX # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Per Fair Credit Reporting Act Section 605B, which states that the credit bureaus are required to remove/block any account which was opened without my knowledge, consent or authority within 4 business days. The account listed below is still reporting on my Credit Reports and needs to delete immediately : XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to file a complaint against Experian regarding a fraudulent XXXX  collection account that has appeared on my credit report. The account in question is not mine, and I have attempted to dispute it directly with Experian, but I have not received a satisfactory response. 

I first became aware of the account when I received a notice from XXXX stating that I had an outstanding balance. This came as a complete surprise to me, as I have never had an account with XXXX or any other credit card company. I immediately contacted XXXX to explain the situation and to dispute the account. XXXX informed me that the account had been opened using my personal information, including my name, Social Security number, and address. 

I then contacted Experian to dispute the account, and provided them with documentation proving that the account was fraudulent. I have attempted to contact Experian multiple times to request that they investigate the matter further and remove the account from my report, but I have received no response. 

This fraudulent account is causing significant harm to my credit score and my ability to access credit. I am now being denied credit and facing higher interest rates due to this false information on my credit report. I urge the CFPB to investigate this matter and to take appropriate action to ensure that Experian removes this fraudulent account from my credit report. 

Account details : XXXX XXXX  - XXXX - {$4200.00} - XX/XX/2022 Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent out my disputes on XX/XX/2022. I have not received a response.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXXXXXX $ It was opened XXXX  it was reported XXXX This was not me .This is identity theft. I reported to Experian last week im not sure the exact date. 
XXXX XXXX $ .It was opened XXXX/XXXX/XXXX and reported XX/XX/XXXX. This is identity theft i dont know who this person is trying to frame me. I reported to Experian last week as well XXXX XXXX XXXX It is an closed account but i would like it to be completely removed from my credit report. It is years and years old. I reported this to Experian last week as well XXXX XXXX XXXX XXXX $ XXXXIt was opened XXXX it was reported XX/XX/XXXX. This another report of identity theft. 
XXXX XXXX XXXX This is another report of identity theft. opened XXXX and reported XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted a dispute with both Experian and XXXX regarding a debt to the company XXXX XXXX for an account that was fraudulently opened using my credentials. I have never owned a XXXX XXXX account and did not accumulate this debt. They both responded that the information was verified valid however it is not, I have followed all procedures regarding identity theft and even filed a police report with my local authorities. 

XXXX XXXX # XXXX XXXX XXXX XXXX XXXX TX XXXX BALANCE {$1100.00} DATE OPENED XX/XX/2018 XXXX FILE # XXXX I would like this removed from my credit profile as I did not authorize this and it was fraudulently opened under my name.
Product: Credit reporting or other personal consumer reports

I am writing to file a complaint against this company & credit reporting agency for persistently reporting inaccurate information despite my repeated attempts to dispute and correct the errors. The credit reporting agencies ' actions have violated my rights under the Fair Credit Reporting Act ( FCRA ) and I am seeking your assistance in rectifying this matter. I have been diligently monitoring my credit reports and have noticed that they are continuing to report inaccurate information regarding my credit history. I have previously filed disputes with them to rectify these errors, providing all necessary supporting documentation. However, the agency has failed to conduct a reasonable investigation as required by the FCRA and has neglected its obligation to correct the inaccurate information. FCRA Rights Disregarded : The right to have inaccurate information corrected promptly ( Section 611 ( a ) ( 1 ) ( A ) ) The right to a reasonable investigation of disputed information ( Section 611 ( a ) ( 2 ) ) The right to receive written notice of the results of the investigation ( Section 611 ( a ) ( 6 ) ) The right to delete or modify inaccurate information ( Section 611 ( a ) ( 5 ) )
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts are not mines, and do not belong to me in any way, not even sure how someone else account crossed with mines, Im demanding that these accounts be removed immediately.

1 ) XXXX   XXXX XXXX 2 ) XXXX  Card Services
Product: Checking or savings account

I was alerted to a large scale problem with Bank of America customer service today, with multiple people stating money was missing from their account. I just went to my account, and XXXX that I received via XXXX 2 days ago is MISSING. I am infuriated. How does this even occur? I want my money restored ASAP.
Product: Credit reporting or other personal consumer reports

They said I have applied to a secure loan with them but I never have applied for any loans and never have made a payment on the account. I asked them to validate this account by sending me all the information that I need in order to validate and they never did. In addition, they continuously reporting such accounts to the credit bureaus. Specially XXXX that in going agains the law with the charge off accounts. I know my rights that every charge off accounts after written off they should sent me a 1099c I could filled for taxes but they never did.
Product: Credit card or prepaid card

On XX/XX/22 I was called by XXXX to supply the letter of which apartment complex I lived in for an address in XXXXXXXX  XXXX. They were delivering a package that was ordered under my name from XXXX. I live in XXXXXXXX XXXX I called XXXX and they stated that my name was used and it was purchased with a genesis credit card. The email provided was different from mine. A week later, I received a bill in the mail from genesis fs card services for {$520.00}. I never opened this account.
Product: Credit reporting or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all accounts are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these accounts immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), I am providing this letter along with the required documentation and a letter from an advocacy group assisting me due to XXXX XXXX XXXX XXXX. This falls under XXXX  according to the XXXX Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block and delete the following accounts from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act : XXXX Account No. ( XXXX ) Uplift INC/XXXX Account No. ( XXXX ) I am a victim of XXXX XXXX involving XXXX XXXX and these accounts are a result of that XXXX. I am formally requesting that these accounts be blocked and removed from my credit report promptly. Please provide me with written confirmation once the accounts have been deleted. Thank you for addressing this matter swiftly and for your assistance in rectifying this situation.