23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Fair Collection and Outsourcing Inc. reported a false rental debt to credit bureaus in violation of Reg. F, 12 C.F.R. 1006.30 ( a ) ( 1 ).

The debt was never verified and stems from a landlord tenant dispute without a valid court judgement.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 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 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit card or prepaid card

On XX/XX/23 I lost my Prepaid debit card. I last used my card at the Post office. {$4.00} earlier that same day, that may be where I lost my card. I eventually went home and realized I lost my card. I immediately called to get a replacement card. I then realized that someone found my card and was using it without my permission. I followed the instruction of the representative and soon filed dispute. ( XXXX ). I was told I would receive a provisional credit in 10 days while they investigated my dispute. The unauthorized transactions were : XXXX XXXX XXXX {$1700.00} XXXX XXXX XXXX XXXX {$100.00} XXXX XXXX  {$23.00} on approximately XX/XX/23 The bank decided to close my account, refund me the remaining balance that was left in my account after the fraud {$8.00}. And stated no error occurred and I would not be receiving any refund from the dispute I filed. I have since then made several calls and asked for the documentation they used to come to their decision, but I have not gotten any satisfactory answers. I followed all the bank 's protocol for losing a debit card, ( I notified them within 5 hours after losing it. ) I filed a dispute once the transactions posted to the account. But yet they are denying my dispute and closing my account. I think that is very unfair.
Product: Checking or savings account

PLEASE SEE SUMMARY ATTACHED XXXX XXXX, XXXX, violated XXXX XXXX standards. XXXX  XXXX XXXX claims XXXX XXXX, XXXX. vetted and verified the fraudulent accounts ; however, this was obviously not true. They failed to properly handle the change documents submitted by criminals as well as failed to comply with XXXX XXXX guidelines which caused XXXX XXXX money to be stolen by these criminals. Between the frequency of documentation requesting account changes, incorrect or incomplete information within those account change requests and the bank actually diverting money back to the credit card processing company at one point but then allowing the fraudulent activity to continue, the credit card processing company and XXXX XXXX, XXXX, had plenty of notice and opportunity to protect XXXXXXXX XXXX funds. The credit card processing company, as well as XXXX XXXX, XXXX., failed to follow its own protocols, as well as XXXX XXXX standards. This allowed the fraudsters to steal over XXXX dollars of money that was supposed to be deposited into XXXXXXXX XXXX bank account, but was deposited into accounts not owned by XXXX and not in XXXX XXXX name. If you look at the TRACE numbers and the changes in accounts, there was not one day that an investigation could have taken place. The credit card processing companies chose to place diverted funds into a holding ( escrow ) account, and never informed XXXX of any account issues, deposit failures or funds being held until almost a year later. This was a clear violation of the terms of the agreement. XXXXXXXX XXXX account should have been frozen immediately upon receipt of diverted monies from XXXX XXXX, who clearly knew it was a fraudulent account, according to the bank manager. Please see attached summary.
Product: Debt collection

I notified Apex Asset that I did not owe them this alleged debt. They instead reported alleged debt to all three credit bureaus, hurting my score.
Product: Credit card

this account isnt mine and is ruining my credit score as there are late payments being recorded. i didnt authorize bank of america to release any information of mines.
Product: Debt collection

O n  XX/XX/XXXX , o ur daughter had a   XXXX   XXXX   XXXX   XXXX   XXXX  . We used  XXXX  to try and remove it at home. After a while, the indention was still there, so we decided to take her to  XXXX   XXXX   XXXX . When we arrived we signed in. We looked at her toe again under the fluorescent lights at the hospital and determined that the   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   .  We told the hospital that under the lighting, we could tell that the   XXXX   was no longer there. Since we already signed in, they had us sign something that said we no longer needed to receive treatment from them. We went home and received a few bills a month or so later. They totaled around {$170.00}. I called the hospital to speak to the billing department. They said it was a mistake on their part and said that it was taken care of on their end. Apparently {$120.00} of the entire bill was eradicated because we have received no bills whatsoever in probably a year or so. Now, after all this time, we are getting a bill from a debt collector for {$47.00}. I called the debt collec tor, ARS, on  XX/XX/XXXX  and  explained to them the situation and told them I wanted to dispute the debt. They told me they will continue to contact me for the debt.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 





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: Mortgage

I have been trying to do a home loan modification and I have repeatedly informed Bank of America that I am XXXX and need assistance in completing the modification. They have ignored my request and are going to foreclose on my home. I am elderly and XXXX and have no where to go and no way to get there. I believe bank of America has always planned on foreclosing on me because I am elderly and XXXX make me an easy target for them. My Bank of America home loan # XXXX
Product: Credit card

2 years ago in my dental office I got credit card XXXX XXXX XXXX, and it was offered 3 years no interest credit to use it for dental bills. I made ( and continue to make now ) regular monthly payments.Paper notifications and bills I stopped receiving a long time ago.For today my debt is $ XXXX paying it every month to pay off by XX/XX/2024, as was offered. But XX/XX/2024 I received huge bill ( now its {$2800.00} ), when I called they explained that offer expired in 2 years. I didnt receive any notices, and was sure I have one more year, but they counted me % for all the time.Its a trick and not fair to the customer, I told them.But customer service was very rude. 
My account number there is XXXX.
Product: Consumer Loan

I wanted to consolidate my credit cards. I went to my bank that holds my mortgage. I had a XXXX credit score and wanted to use my equity in my house to get a loan to pay off {$20000.00} in credit cards. The loan officer took all the information and worked with higher loan officers. They told me to get the Wells Fargo credit card that gives back XXXX % to the home mortgage and transfer {$5000.00} to that credit card. Also, they said if I paid off the rest of my car loan, that would make the numbers work. I sold some of my father 's estate items and paid off the car. I transfered half of my XXXX card to the Wells fargo card and then they denied my application. 
The loan officer said there was an issue and he would try again because he was told it would work. I was denied again after he assured me it would work. Now my credit score is down to XXXX or so and we tried a third time based on his " new '' information from his loan associates. They denied me again. 
The problem he told me was with the amount on the credit cards being used in my application even though the money is to be used to pay them down. Every time he would call them, they would say it was fine and they would take that into account, yet, everytime the loan was applied for, Wells Fargo would turn it down. 
I wasted my time, sold items I did not want to sell and lowered my credit score all because Wells Fargo told me the numbers worked and I would be able to get a loan. 
This is ridiculous that this can happen. I honestly believe they wanted me to transfer my credit to their card and then hold me hostage. 
XXXX
Product: Credit reporting or other personal consumer reports

I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX Account # : XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ). 
According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes. 
Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.
Product: Debt collection

I can't even log into the transunion website. When I try to make an account, it tells me I already have an account. All attempts to retrieve my account are unsuccessful. I get the error : " We are temporarily unable to complete your request. Looks like we are experiencing a problem on our end. '' I have tried calling in and unable to reach anyone after being on hold for an hour. I have tried social media which just tells me to fill out a form. I fill out the form and then nothing happens. I was just told their maintenance was complete and to try again but I run into the same problem when trying to retrieve my account. 

How is this acceptable? Our lives are controlled by these credit scores but it is impossible to access your account to get details or to dispute collections. A quick XXXX search also shows that these problems with the website have been persisting for years.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently reviewed a copy of my credit report. I consumer XXXX XXXX notice that there are several inaccurarices on my report that I didnt authorize. These accounts are violating my rights according to the FDCPA. The credit reporting agency continues to violate my rights according to 15 USC 1692d " Any bad debt furnished on your reports is runing your reputation and its defamation of character. ''
Product: Credit card or prepaid card

I need to filed a complaint about my citi master card, i contacted them and told me to send the necessary paper work and i did step by step but they still have denied it. education that i had never received they guarantee for me to get my money back. The company is been shut down by the FTC. I paid for this training and paid it off the credit as well. i will like to get my money back.
Product: Vehicle loan or lease

On XX/XX/2023 I purchased a Mazda XXXX from the local dealer. I chose a 3 year financing plan. On XX/XX/XXXX I received the one and only communication from Mazda Financial Services, a letter sent by USPS mail giving me information about how to set up an online account etc. I set up my account on www.mazdafinancialservices.com the same day and I set up all my bank account details. I set up a recurring plan with first payment to be processed on XX/XX/XXXX and then on the XXXX of each month thereafter ( eight days before due date, to allow for ample time to be processed by my financial institution ). Although I did not opt for paperless statements, I have not received any bill, invoice or notification from Mazda  ever since. I have not received any email with information about bills or outstanding balance either. The only thing I received was an email two days before the bank transferred was due to inform me that an electronic payment will be processed on the certain date. The payments have been processed regularly at the specified date. An example of such email is detailed below : Thank you for our payment. Your recurring payment of {$880.00}, on XX/XX/2023, XXXX, is being processed. 
That was all. 
Yesterday, I logged in for the first time since XXXX on the Mazda website, to increase my monthly payment, so that I can pay the loan faster. Then I realized that I had been charged late payments since XXXX. Apparently, my first payment was due XX/XX/XXXX ( that is six days after the first communication from Mazda was received ; mind you that letter on the XXXX was not a bill, but rather information on how to set up an online account ). The payment that was due on XX/XX/XXXX never showed up on the online account at the time I created it on XX/XX/XXXX. At that time my account showed that no payment was due until XX/XX/XXXX. 
Mazda has been charging me {$88.00} in late fees since XXXX, but never once have they sent me an email notification or a letter informing me that there is unpaid balance or that my account is late. And why would they? It was good business to keep charging me an extra {$88.00} dollars every month. 
This is fraud! I was never sent a single bill by this company! Ever! I was never informed by email or mail that a payment was past due date. They just kept charging me late fees, hoping that I will not notice. This has to be illegal. Again, I have never opted out of paper statements and despite this I have never received any sort of statement, bill or notification.

Please change the laws to punish this kind of abuse. Companies need to send notifications of past due payments by mail ( there was no email either ). The consumers need to be somehow notified that their account is past due and that they are being charged very high late fees. 
Thank you!
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX
Product: Debt collection

They have called me many times saying I paid on a visa card from XX/XX/XXXX-XX/XX/XXXX from XXXX XXXX XXXX which XXXX XXXX XXXX bought. This has never been on my credit report and im not sure how they got my information, but I know for a fact this is not me because I was minor XX/XX/XXXX and I got my first credit card XX/XX/XXXX. They are very rude and telling me " I guess you are refusing to pay your debt '' and that I owe XXXX but they will settle for XXXX. This is not right!!! They call me daily ... this is not my debt. I have had identity theft before but not in XX/XX/XXXX. I was stil in high school.
Product: Credit reporting or other personal consumer reports

Fraudulent Activity and Violation of Privacy Rights by XXXX, Equifax, and XXXX I am writing to formally lodge a complaint regarding significant violations of my rights by the credit reporting agencies XXXX, Equifax, and XXXX. I believe these agencies have engaged in fraudulent activity by violating my right to privacy, sharing false and misleading information about me, and reporting erroneous accounts on my credit report. The following companies have been listed on my credit report as fraudulent or inaccurate accounts, none of which I have authorized or have any relationship with : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Department of EducationXXXX 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 These accounts have severely impacted my credit score and financial standing, and despite my efforts to rectify the situation, the credit reporting agencies have continued to report this inaccurate information. This not only constitutes a violation of the Fair Credit Reporting Act ( FCRA ) but also represents a breach of my right to privacy, as my personal information has been handled and shared improperly. I request that the Consumer Financial Protection Bureau investigate this matter promptly and take the necessary actions to ensure these fraudulent and inaccurate accounts are removed from my credit report. I am also requesting that the CFPB ensure that XXXX, Equifax, and XXXX comply with their legal obligations to protect consumers privacy and accurately report credit information. 
Please feel free to contact me should you require any additional information or documentation regarding my case. 
Thank you for your attention to this matter. I look forward to your prompt response and assistance in resolving this issue.
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my CAPITAL ONE XXXX. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Product: Credit card

I called Synchrony Bank as my Chevron card had been declined. I was informed that since I had filed bankruptcy, the account had been closed -- no disputing that. The changes and payments on the account were all post-bankruptcy, and I asked if I would receive a statement for my final payment. I was told that since the account was closed, I would not receive a statement. I asked what the balance was and was given the current amount. I was told I could not make payment online or over the phone but had to mail the payment. I am not comfortable making a payment on a closed account where no balance will be documented for me to verify.
Product: Credit reporting or other personal consumer reports

I disputed two items I request that proof of identity be shown abd proof of my signature on theses documents they denied my claim and did not provide the documentation requested. The listed debt was not done by me and under fraudulent prentices. 

XXXX XXXX XXXX {$690.00} XXXX XXXX {$420.00}
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : XXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX ; XXXX, XXXXXXXX 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 ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX  XXXX Balance : {$3700.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$6300.00} ; XXXX XXXX Balance : {$0.00} ; 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 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