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

The credit reporting agency furnished inquiries and accounts on my report without permission. I, as the consumer, also asked them to remove all of these inquires and accounts not initiated by me ( The Consumer. ) This company is violating the law and my rights as a consumer. I'm exercising my rights to have these accounts be removed per 15usc 1681b section C 1 ( a ) : '' I do not grant XXXX, Equifax, or XXXX  the right to furnish this on my report.

My instructions are for you to Remove all inquiries from my report.

Per 15 usc 1681b section C ( 3 ) : A consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.

Remove all student loan accounts from my report. Per 15 usc 1681b section ( e ) ( 1 ) ( e ) Election of consumer to be excluded from lists ( 1 ) In general A consumer may elect to have the consumers name and address excluded from any list provided by a consumer reporting agency under subsection ( c ) ( 1 ) ( B ) in connection with a credit or insurance transaction that is not initiated by the consumer, by notifying the agency in accordance with paragraph ( 2 ) that the consumer does not consent to any use of a consumer report relating to the consumer in connection with any credit or insurance transaction that is not initiated by the consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reviewed my credit report, and there is information that I have discovered which is not mine, which I would like to immediately dispute and have investigated. I believe that I may be a victim of identity theft. I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I dont know who gave you this information!
Product: Credit reporting or other personal consumer reports

As I was about to do a home search, I noticed that my credit score had decreased by XXXX points. I had contacted all the consumer credit Bureaus ( Experian, XXXX, XXXX ) about the misleading information and inaccurate data.The creditor had reported my loan as delinquent when in fact I got an evidenciary letter prior to the negative notation indicating that my loan was under forbearance contrary to the negative reporting. The letter was submitted to the agencies as evidentiary exhibits. 

I had decided to pay off the loan to avoid further confusion and economic damage with the consumer credit agencies, however they refuse to correct and remove the delinquency which was entered based on the misleading information. 
The agencies and the creditors should take responsibility of their data to assure maximum accuracy. 

Despite of my reasonable payment history, my credit score keeps going down and my depleted score had affected me economically and prevented me from pursuing my home search. The misleading information had created harm and frustration constantly in my business dealings. 

It appears to me that there's a discrepancy between payments history and credit score, I have found that the agencies are reporting credit score callously and not reflecting the hard work that consumers place in maintaining an excellent credit score. These agencies are running as " XXXX XXXX XXXXXXXX ' '' with liberal authority.
Product: Checking or savings account

Since XX/XX/XXXX I been going back and fourth with XXXX about them locking my account they it was I had over XXXX XXXX deposited in my accountwhich i continue to write them and asked how was it possible because numerous amount people get that kinda money on there chime XX/XX/XXXX they ask for document proving that I was the account holder and other documents showing the money was mine and still kept my account locked After aski my who do I have my lawyer contact they told me the issue is out of there hand
Product: Checking or savings account

We have to ask the CFPB, when is the going to end with Bank of America. 

This issue is various form has been going on since XXXX of XXXX. That is when the first complaint was mention to them about XXXX. Now they are talking about an additional 60 days needed? This is insane. 

We have provided BOA with concrete evidence that XXXX was/is lying. We provide emails of conversation with XXXX talking us XXXX thing and then talking BOA something completely different. We showed the an email where XXXX claim the Bank of America now had the credits or refund since we file the claimed. 

What more information do BOA need? We provide the smoking XXXX and then some. We consider this nothing more than stalling or someone at BOA falling down on the job. ( Which two of the Supervisors admitted ). There internal failure is not our company problem. 

We demand the full {$6000.00} and not the short amount of {$3300.00}. that they claimed they can recover. If they would have responded to our company back in XX/XX/year>, we would not be in the issue. 

Furthermore, they told us all of there investigation would be concluded by XX/XX/year>. Therefore, we will give no more time that they told us and not another 60 days. 

And we believe to our core, they canceled all of our business accounts because we have filed these complaints with the CFPB. 

Today, we have filed the following complaints against Bank of America with the CFPB. 

XXXX XXXX XXXX XXXX XXXX No more time is need on this XXXX issue. I was told by BOA XXXX department that this issue would be sent to arbitration. But no XXXX form BOA has given us no further information if this action was taken. They did tell us again, this would be settled in our favor since we provided compelling evidence against XXXX. 

So we stand by the date they provide XX/XX/year>, this issue with the Refund will be resolved and then we will take up the issue on how BOA violated our consumer rights. Regardless of what they claim is on page six.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ; Experian and XXXX are reporting incorrectly a balance due of {$6800.00} as well as reporting incorrectly that I am ( 120-180 ) days late on DPEDXXXX - partial account number XXXX. ( Please see page attached from my credit report. ) This account has been paid in full so the balance reporting needs to reflect {$0.00} due. Since this account has been paid, the lates that are reporting are incorrect as well. This false reporting of lates is seriously harming my credit score and this line item need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.
Product: Debt collection

I have made payments to this company on top of they are garnishing my wages I have asked them not to contact me or my wife about this debt. They still call my Wife everyday and myself three time a week.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of 2018 I noticed the company XXXX XXXX on my credit report. I did not recognize the company so I disputed this account asking for the signed contract of when I allegedly began an account. I have requested this from the company as well XXXX XXXX and they refuse to give this information to me yet XXXX continues to report the information as they verified this alleged account as accurate on my credit report. If XXXX XXXX refuses to provide me with a signed contract according to the FCRA, how can XXXX confirm they are consistent with reporting this information as accurate on my credit reports? Obviously there are inconsistencies with the Account Number, Payment history grid, date opened, terms, payment status, date late reported, and Date of Last payment and activity. Numerous missing and deficient account aspects leave this reporting significantly questionable and invalid. This is certainly not compliant in its mandatory perfect Metro 2 format reporting. According to the Fair Credit laws and fair debt laws for XXXX to mishandle this account in this manner is unlawful. 

I believe that XXXX  is not even looking at my letters using XXXX and totally ignoring my concerns as they are hurting my credit score with the lack of concern.
Product: Student loan

In XX/XX/XXXX, I requested a refund on the eligible refundable amount that was paid during XXXX. The amount totaled to {$12000.00}. The loan balance on the accounts has been updated to reflect this amount, but I have not received any refund. I was told I would receive a check in the mail. I have called the loan servicer, Nelnet, and was not advised on what to do and was told that the Department of Education is dealing with it.
Product: Debt collection

Representative by the name of XXXX XXXX called my personal mobile number to attempt to collect debt that is not mine. I address the concern and asked not to call again, but she was rude and abrupt. I asked to speak to a manager but she released the line. I want to address the compliant and request that her and/or the organization does not call me. 

Thank you, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am formally requesting this letter to update the following accounts in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will be in violation of the Fair Credit Reporting Act. 
XXXX XXXX XXXX XXXX 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 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 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.
Product: Mortgage

Citibank added a {$6800.00} fee that was not disclosed the night before scheduled closing and my scheduled moving date. Mortgage representative stated in writing the fee would not be added and it still was. When I spoke with the representatives supervisor, he discouraged me from complaining and said they may not give me the mortgage if I complain about the lies from the company. The supervisor has not responded to calls and emails over the past 10 days requesting escalation to their legal team.
Product: Credit card

Capital one consistently advertises cash back rewards for various products such as items from XXXX. When clicking the offer link and purchasing via the offer link the cashback amount does not match the advertised amount. I often receive emails advertising anywhere from 7 to 15 % cash back but when I never earn anywhere close to the advertised amount despite following all of the steps laid out. I have tried to reach out to them to resolve this issue and I have been unable to get a response or any support
Product: Debt collection

MBA Law, XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone XXXX Amount {$690.00} I dont have a contract/agreement with the collection agency and I request to be removed from my XXXX credit reporting agency.
Product: Mortgage

I co-own a property that I took a home equity loan on with Bank of America ( BOA ). The property taxes were supposed to be paid by myself and the other party. I paid my share, they did not. BOA contacted me informing me that taxes must be paid to protect their interest. I was initially given XXXX days to resolve the issue but was told I could call to request an additional XXXX days if needed before they would open an escrow account and pay the taxes. I immediately went to my attorney and went through a refinance of my current property to obtain the funds to pay off the loan so the property taxes would no longer be of concern to BOA and remain the burden of the " other party ''. I went through a lot to get the refinance done within the additional XXXX days that were granted ( giving me until XXXX XXXX, 2015 ) meetings, paperwork, appraisal and closing costs. When I had the funds available to pay off the loan ( still prior to XXXX XXXX ) I contacted BOA and they told me they went ahead and opened the escrow account and paid the taxes sometime the first week of XXXX! I was shocked and dismayed and was basically told I was out of luck. The burden was now on me and even though I would be paying off the principal amount, a portion would go to the escrow leaving a principal balance still open and therefore not only making me liable for the previous taxes but setting me up to be responsible for any future taxes the other party would likely not be paying as well! My husband is permanently XXXX with XXXX issues and I really can not afford to pay someone else 's bills! Also, we take pride in our good credit and this could ruin us. Their " XXXX XXXX XXXX '' wo n't even return my calls.
Product: Credit reporting, credit repair services, or other personal consumer reports

Looking over my report and noticed a medical debt that was paid but is still reporting on my credit report., I am allowed under the HIPPA law [ HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT OF 1996 ], to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX XXXX nor XXXX XXXX XXXX to release my medical information to a third party. XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX I am aware that HIPPA does allow for limited information about me but anything more than to XXXX XXXX and XXXX XXXX XXXX is to only be revealed with the patients authorization, therefore my request is two fold and as follows, Validation of Debt, and HIPPA authorization . 1.Please provide breakdown of fees including any collection costs and medical charges 2.Provide a copy of my signature with the provider of service to release my medical information to you.
Product: Credit reporting or other personal consumer reports

My information from all three credit bureau have leaked my credit information and I have a lot of fraudulent info on my credit reports thats not from me
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not only contacted XXXX, XXXX and XXXX concerning this inaccurate information reporting on my credit reports, but I have contacted American Credit Acceptance directly regarding this inaccurate information being furnished onto my credit reports. My car loan through American Credit Acceptance is not delinquent nor is it in repossession status.
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am asking for your assistance on this matter. I've been sending letters to Experian since XXXX and I have received their correspondence at all. I want this account to be REMOVED on my credit report as I have no knowledge about it. I didn't remember having this in the past. I wish they would listen to me this time.
Product: Credit reporting, credit repair services, or other personal consumer reports

MY CHILD SUPPORT CASE HAS BEEN DISPOSED AND SHOULD BE REMOVED FROM MY REPORTS.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want your help to remove this bankruptcy in my credit report because this is not okay and Bankruptcy should not be reported in my credit report as said by the Court and you don't even have the means to make sure that you are reporting this correctly!
Product: Credit reporting, credit repair services, or other personal consumer reports

To date I have not received satisfaction from the complaint I filed about XXXX XXXX XXXX XXXX, XXXX, and Transunion. Although I have filed disputes with all prior to filing a complaint with the CFPB. I have also filed twice with the CFPB complaint about the situation. The problem is that my mortgage is not being reported by the credit bureaus. XXXX assured me they were reporting to the credit bureaus monthly. XXXX XXXX assures me they are reporting what the credit bureaus report to them. The credit bureaus don't even list my current mortgage! XXXX had it on their report but the amount owed was incorrect and they had not updated the information in over a year. The only result I got from all my disputes and complaints was that XXXX completely dropped my mortgage debt from their report. Even though it was the incorrect information at least it was showing on their report. When they dropped my mortgage from their report my credit score dropped! I have since written letters to all concerned and mailed them return receipt requested registered mail. I asked that the mortgage lender send written notification to the credit bureaus and send me a copy. My next complaint will have a copy of my most recent mortgage statement and hopefully the copy of the letter provided by my lender advising the credit bureaus of my mortgage debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2021, I disputed that Transunion, XXXX and XXXX are reporting a inaccurate account. They are reporting a XXXX / XXXX charge off account with different, Date Opened, High Credit, Credit Limit, Last Reported, Date Last Active, and Date of Last Payment. The fair credit reporting act 15 U.S code 1681 state that a consumer report must be accurate. They are not reporting my credit report accurately. I have attached a copy of my most recent credit reports from all three agencies as proof.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX {$29.00} Date XX/XX/2018 acct endin XXXX In accordance with the Fair Credit Reporting act 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: Debt collection

This issue is just not sitting well with me due to the attorney 's collection tactics.My spouse and I have divorced. However, former spouse obtained marital property to include paying mortgage, taxes, insurance, and home owners association fees. Earlier this year, out of the blue I received a judgement of garnishment in the amount of XXXX that was filed XX/XX/XXXX via the county court. Of course, when I received I became worried and did not want a garnishment to go to my employer. I was advised that the home was being refinanced. I immediately got the funds together and took the funds to the attorney 's office handling the collection. Mind you, I have never received any notification that the home owners association was past due. I had not lived at the marital address in four years. However, I can receive a judgement that my wages were being garnished. Next, on XX/XX/XXXX I received another court judgement that my wages were being garnished which was filed in the county court on XXXX XXXX.Again, I had never received any notice of this debt being passed due even after the XX/XX/XXXX judgement. I requested validation and the lawyer sent me a ledger from a business called XXXX which is not the HOA organization. I went to court to argue that I never received any thing in writing and the ledger to did not look legitimate. I spoke with XXXX who represented the attorney 's office prior to meeting with the judge. I explained to her my concern and frustration of the above that your company can send me a notice to garnish my wages but can not send me any statements of the charges past due. XXXX advised that the mailings were going to the marital property since XXXX but still could not explain why I can receive a judgement to garnish my wages at the address I have been living at for the past 3 years and that I never got the chance to address the issue or try to pay the debt. XXXX suggested that I contact the office to make some arrangements to pay the debt. I called the office after leaving the courthouse and called the office. Spoke with XXXX who advised that she would send my proposal to the HOA and call me back on XX/XX/XXXX. However, she never called me back. I am appalled of this type of collection tactics of using wage garnishment for consumers who have not received and documentation or made aware of past due collections without given the consumer an opportunity to try and make restitution with the property owners association.
Product: Money transfer, virtual currency, or money service

I am a new business owner XXXX XXXX XXXX  and completed a XXXX  job and my client paid me using Paypal and now Paypal is holding thousands of dollars for 21 days because I am a new seller. Paypal 's online bot assistant 's advice to get my money sooner is to provide a tracking number for the product. I don't sell a product and so I can't provide a tracking number. I also can't get ahold of an actual person to help me. I am trying to survive and pay bills that I incurred to complete this job and can't pay them because Paypal is holding my already earned money hostage. What are they doing with MY MONEY? IT IS NOT THEIR MONEY TO HOLD. I did not see any disclosures saying that they would do this or I never would have used their service. To add to the burden there is no complaint resolution whatsoever and having worked in the financial consumer protection industry for 7 years before starting my business I know that this company needs to be held accountable, fined heavily, and forced to change due to its fraudulent business practices by the Consumer Financial Protection Bureau.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  SS # 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Debt collection

DEBT COLLECTION COMPANY IS FALSELY REPORTING ALLEGED DEBT WHICH IS A FDCPA SECTION 807 VIOLATION 15 USC 1692e. THE ALLEGED DEBT CAN NOT BE VERIFIED AND I HAVE YET TO RECEIVE A RESPONSE AFTER 30 DAYS WHICH IS ANOTHER VIOLATION.
Product: Credit reporting

I paid a XXXX card in full but there was accumulated interest that was not on my statement. I was not made aware of that until after I had a 30 day late put on my credit report. I paid the balance in full soon as I found out about it. I contacted XXXX but they would not correct the situation.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint against Oportun for their unethical and unlawful practices. Not only is this company reporting inaccurate payment information on my credit report, Oportun 's business registration in Texas is currently inactive, and their right to conduct business has been forfeited. As such, they lack the legal authority to report debts to credit bureaus. Additionally, I have received no correspondence from them verifying this information. This makes their claim hearsay, further indicating unethical practices. Given these violations, I request the immediate deletion of account XXXX from all credit reporting agencies. Please see the attached XXXX XXXX and consider this complaint grounds to remedy your unlawful business procedures before I take legal action.