23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019, CITIBANK NA., BEST BUY add a hard inquiry on my credit report per XXXX. 
On XX/XX/2019, XXXX add a hard inquiry on my credit report per XXXX. 
On XX/XX/2019, XXXX add a hard inquiry on my credit report per XXXX.
Product: Credit card

I applied for a mortgage loan in XX/XX/XXXX to find that was an adverse account listed on my credit reports from Bank of America. The account number is listed as Bank of America XXXX opened XX/XX/XXXX. I called BOA and was told it was not my account and that I was listed as an authorized user without my knowledge. The owner of the account was listed as XXXX XXXX ( XXXX XX/XX/XXXX ). They stated they would remove me as an authorized user and it should be removed from my credit report on the next update. I requested a letter explaining the corrective action for my records and it was never received. I pulled my credit report after the update and the adverse account is still listed. I have tried to contact BOA since that time and they tell me they can not find the account. I am quite concerned as I have always had perfect credit and never had an adverse accounts listed. 

This issue is keeping my family from obtaining a mortgage so that we can settle in a family home. Thank you for your time.
Product: Credit reporting or other personal consumer reports

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 XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

I cancelled an automatic payment with this company only to receive notification after XXXX when my bank closed they were reinstating the automatic draft without my authorization.
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 the recent CFPB lawsuit highlighting significant issues with this 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 CFPBs findings indicate Zelle has not only neglected to protect customers 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

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX : # XXXX, XXXXXXXX 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 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 Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven 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 is inaccurate.
Product: Debt collection

XX/XX/2018. I saw that a payment was withdrawn from my bank account for {$140.00} from XXXX XXXX. I am not signed up for auto-pay with them. I called the company and spoke to representative. He said as well that I was not signed up for auto-pay or what they call convenience pay. However, the man said they still had the right to deduct a payment. I informed him that was not legal and they could not take a payment automatically from my account if I was not signed up for that service. He kept arguing with me that they did have the right to take the payment without my permission. After going back and forth, I told him I was contacting my bank and hung up. I am attaching a screenshot showing that I am not signed up for the service.
Product: Debt collection

Subject : Dispute of Collection Account Added to Credit Report Dear Credit Reporting Agency/Collection Agency , I am writing to formally dispute the addition of a new collection account to my credit report. The account in question was added between XX/XX/year>, and XX/XX/year>, under the collection agency TRANSWORLD SYSTEMS, with the original creditor listed as XXXX XXXX. 

This account should not be reported as a collection for the following reasons : Lack of Notification : I never received any collections notice from TRANSWORLD SYSTEMS, as required by law, to provide me the opportunity to verify or dispute the debt. 
Settlement with Original Creditor : A settlement was made directly with the original creditor, XXXX XXXX, due to an error on their end. This resolution was agreed upon, and I have fulfilled my obligations to them. 
I request that you : Immediately remove this collection account from my credit report, as it is inaccurate and improperly reported. 
Provide me with written confirmation once the account has been removed. 

Please review this matter and respond within the timeframes specified under the Fair Credit Reporting Act ( FCRA ). 

Thank you for your prompt attention to this matter. I look forward to your confirmation of the resolution. 

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

Experian refuses to give me a credit score would not list my new credit cards XXXX, XXXX XXXX, XXXX and XXXX XXXX. 

I would like this matter resolved in 30 days or I will file a federal court action.
Product: Credit reporting

TransUnion has deleted and corrected my credit report and then reinserted these inaccurate items that they previous deletions without any warning and are causing me to losing my financing.
Product: Credit reporting or other personal consumer reports

I previously requested on XXXX  to opt out of all communication for 2 accounts listed on my Equifax report. Please see my last complaint on XXXX here through the CFPB. I also notified the creditors of the accounts in question that I refused to pay any of the debts they alleged I had. I'm asking the CFPB to enforce Equifax to adhere to the FCRA under USC 1692 C : If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt. Therefore my request to cease and desist under 1006.6 ( d ) ( iii ) - Debt collectors must also cease communication with consumer reporting agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

On or about XX/XX/XXXX I opened an account with Affirm, Inc for a personal purchase loan of {$450.00}. The account went to collection agency XXXX XXXX. On or about XX/XX/XXXX I paid the balance to XXXX XXXX. As of now Affirm is still reporting a balance and collection or negative account to all three credit agency 's. I have filed three disputes through XXXX and Affirm is knowingly providing false information.
Product: Payday loan, title loan, personal loan, or advance loan

I have a personal loan with Pentagon Federal Credit Union ( PFCU ), in addition to my regular payment. On XX/XX/XXXX, I wanted to pay an additional amount towards the principal. PFCU, requires you to call an XXXX number if want to make a principal only payment. When you call the number there are many options but none specifically for principal only payments. Eventually, after much time being wasted in the que to get to a live representative you can start the the process to make a principal only payment. In my case, I wanted to pay with my debit card from another financial institution. The representative said they could not accept the payment from the card. It just so happened that I do have link from that account to PFCU. 
Note : That despite the fact that this account is linked to PFCU, they will not allow me to electronically make a principal only payment towards my loan unless I process it through the XXXX number or allow me to use my debit card to make the payment. 
To make the principal only payment, I had to agree to allow them to receive the payment via ACH once I agree to this, I'm told there is a 5 % fee for an ACH transfer but she would waive the fee on this occasion. 
I explained to her this was unfair and not common to the other credit unions that I have dealt with in a similar manner when making a principal only payment. I explained to her that at other credit unions the customer identifies the payment as principal only and the funds are applied accordingly. I also explained that was unfair to charge a fee when the customer is attempting to pay the loan off early. I asked her would I have to do this each time I wanted to make an interest only payment? Her response was yes, or I could electronically deposit funds in my PFCU share account and call the XXXX number and request that it be withdrawn. Therefore, I could avoid the fee. 
I then said that in the future I would send the payment by check indicating it as a principal only payment. She said a check payment would not be accepted. I informed her that it was illegal to not accept a check payment towards the principal. She checked with her supervisor who indicated to her that they would not process a principal only payment by check because it required mechanical processing where in their case they operate only in electronic processing. 
I explained to her that both her and her supervisor was forcing customers into a situation of usury. I also explained that it was illegal for financial institutions to decline a payment made in good faith towards resolving a debt. I also stated, that I bank with may other credit unions and XXXX and none of these financial organizations have such restrictions or barriers to make principal only payments difficult or almost impossible. 
I request that the CFPB check into this matter and hopefully resolve this situation so that other customers and those that do not have adequate internet access to be forced into such an unfair and illegal practice.
Product: Mortgage

In XXXX of XXXX, a forbearance due to my spouse losing his job during COVID was requested with the mortgage company Freedom Mortgage. The forbearance was extended once and upon its end, Free was supposed to submit the loan for the VA repay optioin which would have place the loan rears amount on the end of the loan. Freedom never submitted for this program and did not inform me that it was never submitted. Instead Freedom proceeded to offer a loan modification of {$1000.00}, when I called to ask why is when I found out the VA was not submitted, the reason freedom listed was because I couldn't resume payment which was later verified by another representative that, that wasn't what I said and to appeal, and I couldn't resume my regular loan payment or the interest rate, hence pay then new payment or pay of the {$50000.00}. I reapplied and was then sent an new loan modification for {$1700.00} more than my regular mortgage payment of {$3100.00}. I appealed via US Mail on XX/XX/XXXX and still have not received a response from Freedom about it at all. Now I have submitted loan all required modification paper work at least 4 times and Freedom has either has technical difficulties ( according to customer reps ) an never seem to be able to retrieve the documents. The only thing Freedom has proceeded with is foreclosure actions on my home, appraisers and brokers are frequently calling me and that is how I found out the foreclosure to sell auction date of XX/XX/XXXX. I want to know what rights I have since the company has no intention of helping me. I last spoke with a representative today XX/XX/XXXX who once again gave me the same line, they have the documents ..its in with underwriting and call back in 5 days. This has now been on going for over 6 months and I am trying all I can to resume payments and not lose my home.
Product: Payday loan

This lender is calling me incessantly from multiple numbers multiple times a day. I told them not to draft on a day that I said I was n't going to get paid. They refused to listen and did it anyway. It caused problems in my account and I had to close it. I bank at XXXX in XXXX, california. I made other payment arrangements and they fail to note the account so they keep calling. One missed call and they are calling my references which is causing me embarasment and undue stress. I told them to stop and they say they have no control over their " corporate '' which appears to be a bunch of independent " hit men '' making numerous and harrassing calls daily. I told them I use the number they are calling as my personal and work phone and they are disrupting my business. They yell at me and do not listen to me. I told them I have rights under the fair debt protection act and they do n't listen or care. I do n't know how to stop these calls. It is causing me anxiety and undue stress and ruining my business and reputation. The calls started when I was 1 day late paying the loan off. I had tried to may new arrangements but they were not interested. Here are the numbers they made collection calls from between XXXX/XXXX/15 and XX/XX/2015:XXXX XXXX callsXXXX XXXX callsXXXX XXXX callsXX/XX/XXXX XXXX callsXXXX XXXX callsXXXX XXXX callsXXXX XXXX callsXXXX XXXX callsI answered most of these calls but they still kept calling even though I attempted to make payment arrangements. They stopped for a while but started again XXXX days ago. I told the guy to stop calling me since this is my business line and to stop calling my references since they know I can be reached and I am available. He just yelled at me and said to pay up by Monday. 
California Check Cashing stores said they have no control over what their corporate does when I asked them to stop.
Product: Bank account or service

I sent Regions Mortgage a notice for Full Disclosure concerning our loan agreement, after discovering that there was material concealed and omitted from the agreement that I and my wife never agreed to, nor gave permission for Regions Mortgage to conduct. I requested for Full Disclosure for all Bookkeeping Journal Entries associated with our loan, which I have a right to by law, and Regions Mortgage replied to me by saying ; they decline to respond to my request, saying that it is irrelevant to our mortgage loan account. In all actuality, nothing could be more relevant to our mortgage loan account, because Regions Mortgage knows that Full Disclosure of the Bank Bookkeeping Entries, prove that they are in Breach of Agreement, and once again, I have a right to this information, by Law of Evidence! I requested for Regions Mortgage to give me Full Disclosure of the Deposit Slip for the Deposit of our Promissory Note associated with our loan, and they replied by saying ; my request is both unduly burdensome and irrelevant, and therefore Regions Mortgage declined to show me our Deposit Slip of our Promissory Note, which we have a right to by law! Regions Mortgage is in violation of the GAAP, which states that the bank owes the depositor ( US ) money for depositing our note, that Regions Mortgage never told us about, nor did we give them permission to conduct such a transaction in our name! Also, per the banking law, if the bank deposits the note, they must give you a deposit receipt, as mentioned in 12 U S C A Sec 1813. We know that Regions is in Breach of Agreement and has broken the law, and all we are asking for, is the Full Title to our home, showing paid for in full and fully discharged, and we will not demand for Full Disclosure to the Bank Bookkeeping Entries and for the Deposit Slip of our Promissory Note. Regions did not deny the deposit of our Promissory Note, because the Federal Reserve Publication already reveals that the banks do not give loans ; but they are to take the borrows Promissory Note in exchange for credits to the borrowers transaction accounts, which is an exchange, not a loan.
Product: Checking or savings account

On XX/XX/2023, despite having funds availability, Citizens Bank reversed a transfer from checking to the home equity line of credit. This created a false impression that the HELOC was late. At no time did Citizens Bank provide any notification or reason for not allowing the available funds to be paid as minimum payment for the HELOC. The funds placed into the account were specifically deposited for the purposes of paying the HELOC. Said funds are unencumbered, the transfer instruction was in writing, and the funds were clear and available.
Product: Credit reporting or other personal consumer reports

Hello, my name is XXXX XXXX XXXX, and I am submitting this complaint/dispute without error or any influence from any third-party agency. Please see the following attached documentation below and meet my requests as soon as possible. Thank you for your timely compliance!
Product: Debt collection

Date reported was XXXX/XXXX/XXXX. Last reported on XXXX/XXXX/XXXX. This is a collection agency. I paid the balance in full. Collection should be deleted off all credit bureaus. Contacted the company and they never deleted it! Still hurting my credit scores. They remarked this account to the credit bureaus only paid in full. Should be deleted as well.
Product: Debt collection

On XX/XX/2023 I sent a letter in accordance to 1692g of the FDCPA requesting Debt Validation to this company Collection Company Of Athens Reporting to my consumer report, as of XXXX this company has failed to respond to my letter with proper validation of the alleged debt but continues to report to my consumer report. Not only is this illegal but this is a form of extortion. And this sheds a negative light on my creditworthiness, credit standing, credit capacity, character, and general reputation. Here is the tracking info to prove that this letter was sent XXXX.
Product: Credit reporting

I am requesting that TransUnion immediately delete the address listed on my credit file as reported and previously listed on the TransUnion Credit File : XXXX XXXX XXXX, XXXX, WA XXXX. DATE REPORTED : XXXX/XXXX/2015
Product: Debt collection

there is negative impacts to credit about accounts that I have never heard of or had any dealings with. I have never had any dealings with these accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX
Product: Debt collection

NCB Management has been calling 2-3 times a day M-F, for the past XXXX months, even after I have told them over the phone and through email that I don't owe any debts to anyone. 

They call from multiple phone numbers : XXXX, XXXX, XXXX. These are just a few. I think in total I've counted 6 different numbers they've used.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I sent the necessary documents in FEDERAL TRADE COMMISSION or https : //www.ftc.gov, So I am here to notify/complain to you directly through this platform. Here are the items that are erroneous in my file and need investigation : XXXX XXXX XXXX ( Original creditor : XXXX XXXX. ) XXXX Balance : {$6800.00} ; XXXX XXXX XXXX  Original creditor : ( XXXXXXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$920.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$5800.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$1000.00} XXXX XXXX XXXXXXXX XXXX : {$1700.00} ; XXXX XXXX XXXX XXXX Balance : {$1700.00} ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX XXXX  Inquired on XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX.
Product: Student loan

Dear XXXX XXXX XXXX XXXX : I received information from you attempting to collect the above-listed alleged debt. Your initial communication to me of the alleged-debt was within 30 days ago. Please be further advised, I dispute the validity of the alleged debt in its entirety. Be further advised that I request the name and address of the original creditor, along with an agreement with my original signature binding me to the alleged debt. You are illegally attempting to collect an alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting. Promptly request deletion of any prior credit reporting to credit reporting agencies.
Product: Student loan

In XXXX I attended corrupted school XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA for court reporting which I never graduated from due to the mismanagement of the school. 
On XX/XX/XXXX, I was forced to consolidate my XXXX loans which I have been paying on ever since. I was never made aware that my previous payments made before this time would not count towards my repayment which I have now been in for over XXXX  years. 
On XX/XX/XXXX, I inquired with Navient about the repayment years and was lead to believe that I would need to continue repayment and that prior payments were not counted towards my time in repayment prior to the XXXX consolidation. 
I have now been paying on the student loans from a corrupted school for almost 30 years with no relief in sight.
Product: Bank account or service

Between XXXX 2016 and XXXX 2016 Suntrust Bank has charged me more than {$500.00} in overdraft fees caused by their policy of reversing debits to increase the number of fees that they can charge. Some of the debits that they reversed on my account were days old before they reversed them. Some of these charges were less than {$10.00} and incurred charges of {$37.00}.