23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Company is Diversified Consultants. They continue to call me many times a day looking for XXXX XXXX. I have told them several times XXXX XXXX is not at this phone number and please remove this number form their contact list. THIS IS NOT MY DEBT. They continue to harass me and refuse to stop calling. 

They call before XXXX XXXX Arizona time. They hang up after I answer. And call multiple times per day. 

They call from multiple phone numbers : XXXX XXXX XXXX When I call back I am not able to speak to anyone. Get a recorded message.
Product: Checking or savings account

There have been many overdraft fees over the last few yrs even when they knew there was no money in the account. NFCU
Product: Credit reporting, credit repair services, or other personal consumer reports

BEING A VICITM OF AN IDENTITY THEFT, I HAVE BEEN SENDING MY IDENTITY THEFT REPORT TO THE BUREAUS AND ALSO TO THE COMPANY WHERE THE FRAUDULENT ACCOUNT WAS OPENED.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the reappearance of information on my credit report that was previously removed due to its identification as fraudulent and related to identity theft. This action is in clear violation of the Fair Credit Reporting Act ( FCRA ).

Under Section 605B of the FCRA ( 15 U.S.C. 1681c-2 ), credit reporting agencies are required to block information resulting from identity theft upon receiving proper documentation. Furthermore, Section 611 ( a ) ( 5 ) ( B ) of the FCRA ( 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) ) prohibits the reinsertion of previously deleted information unless the bureau : 1. Certifies the accuracy of the information, 2. Notifies the consumer in writing within five business days, and 3. Provides the name and contact information of the furnisher who certified the informations validity. 

The reinserted item is attached to the identity, theft affidavit statement, which is enclosed.

As I have not been provided with any certification or notification regarding this reinsertion, this constitutes a violation of the FCRA.

I request the following actions immediately : 1. Reinvestigation and Removal : Conduct a thorough reinvestigation and permanently remove the fraudulent information.

2. Provide Documentation : Send me copies of all information and documentation that was provided by the furnisher of the disputed account to verify its validity.

3. Compliance Assurance : Ensure compliance with the FCRA in future handling of my credit report.
Product: Credit reporting or other personal consumer reports

I checked my credit report and noticed that somethings are there that I don't recognize.
Product: Checking or savings account

On XX/XX/2020 and on XX/XX/2020 Bank of America charged me a {$5.00} " Monthly Maintenance Fee. '' It seems perhaps this is because my savings account balance fell below {$300.00} in XXXX, although if this were the case and falling below {$300.00} triggered such a fee, such a threshold is not mentioned on the website nor their documentation, and simply has not been communicated to me. 

Obviously this violation is de minimus, but the simple facts are ( 1 ) BoA never notified me either by email, text, phone, or letter about this fee or what I'm supposing is this {$300.00} rule, ( 2 ) I reviewed both their saving account page and their personal schedule of fees listed on my account, and neither mentions this {$5.00} fee or {$300.00} rule, and ( 3 ) I have maintained a savings account at BoA for over a decade without incurring such a fee. Although I am out a mere {$10.00}, I shudder at the true amount of money BoA is unjustly making at consumers ' expense by using such tactics -- charging a fee that is never mentioned to the consumer -- a fee whose existence can not be proven until it is incurred out of nowhere.
Product: Debt collection

I hope this message finds you well. I am writing to bring to your attention some errors that I have discovered on my credit report. As per consumer laws, it is crucial that all information reported is accurate and correct. 

I have previously informed your company about these inaccuracies, and I am pleased to inform you that the item in question has been successfully removed from one of my credit reports. However, it still remains on the other two reports, namely XXXX and XXXX. 

I kindly request that you promptly delete or correct this information on all three credit reports to ensure consistency and accuracy. It is important to note that credit plays a vital role in the purchasing process these days, and these errors have caused me a considerable amount of distress. 

I appreciate your immediate attention to this matter. Please provide me with an update on the progress made in resolving this issue. Should you require any further information or documentation from me, please do not hesitate to let me know. 

Thank you for your understanding and assistance in rectifying this matter. I look forward to a speedy resolution.
Product: Debt collection

Please find attached letter from me to Lazega & Johanson LLC with a detailed complain. 

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

The attached document account with XXXX XXXX XXXX XXXX XXXX is inaccurate XXXX fraudulent, misleading, deceptive, not my account, and I did not give consent, permission, or authorization for the account documented in the attachment. The record shall be removed as it does not meet the follow, that I shall invoke for the removal of this XXXX XXXX XXXX XXXXXXXX account : Please remove all of the inquiries as stated above, as they are listed below from the Transunion report XXXX 

The Truth in Lending Act, the Fair Credit Reporting Act, the Equal Credit Opportunity Act, the Fair Credit Billing Act, the Fair Debt Collection Practices Act, the Electronic Funds Transfer Act, and the Fair and Accurate Credit Transactions Act, the right to invoke my constitutional rights, religious views, all applicable amendment rights, and other. The accounts I am disputing is attached below. 

This item shall be removed.
Product: Debt collection

I went and checked my credit and, saw that Company : GRANT & WEBER Account # : N/A Balance Amount : XXXX Status : Credit Report Collection but, they had NEVER contacted me first. It was a Medical Debt from XX/XX/XXXX and, ( did not know about it ) XXXX XXXX ( without contacting me ) then on a different part of the Credit report states it was XXXX XXXX Hospital for {$1400.00}.
Product: Credit reporting or other personal consumer reports

I am writing to you because I noticed some inconsistencies on my credit report. This is damaging my credit score and needs to be looked at immediately. Please see items below. 
Account Name : XXXX XXXX Account Number : XXXX You are reporting a late payment on XX/XX/year> yet XXXX and XXXX are reporting I pain on time. This is inaccurate reporting therefore please remove this late payment off my credit report and update to paid on time due to my FCRA rights.
Product: Mortgage

I recently received a letter from XXXX XXXX  ( today XX/XX/ ) indicating that my mortgage has been transferred to XXXX XXXX from XXXX XXXX  XXXX. The letter is dated XX/XX/, but it says that my transfer date is effective XX/XX/. Today I also received a letter from the original servicer and an email confirming this transaction. 

However, I am under the impression that I was supposed to be given at least 15 days notice of such actions, but this is less than that. Is this allowed?
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello! I have never missed any payment for anything in my entire life. Due to an error of XXXX XXXX XXXX XXXX, my XXXXredit score has been significantly decreased and I am unable to purchase a home. Please remove the {$12.00} error from XXXX XXXX XXXX XXXX that has significantly impacted my otherwise perfect credit. 

I opened a XXXX XXXX XXXX XXXX Credit Card to pay for a medical procedure. When I was able, I paid off this account in full. I paid in full. I assumed that was it. XXXX XXXX said that I didn't pay the {$12.00} of interest on the amount I paid off and sent that amount to collections. I never received a phone call about this amount. I never received a text message about this owed. I never received any mail to my house about this until I got a letter in XX/XX/2022 saying I was 60 days past due on {$12.00}. As I had already paid off this account, I was confused. Also I didn't understand how they NEVER CONTACTED ME IN ANY WAY about this {$12.00} owed. I immediately paid but this has now beed reported to the credit bureaus and has significantly impacted my credit score. How can a bank plummet someone's credit over {$12.00} that they never knew they owed? If I am not contacted about an amount I owe, I can not pay that amount. I am happy to share my phone records or records of USPS scans of incoming mail to my house. I never received any contact from XXXX XXXX XXXX XXXX over this {$12.00}. I'd like this {$12.00} past 60 days due off of my credit score reporting but I contacted XXXX XXXX and they said they were unable to help. They were not helpful. I would never do business with them again but I hope the CFPB can do more. 

People should not have their credit ruined over {$12.00} that they didn't know that they owed. The bank should have to show that they contacted the person before they sent it to collections. I am happy to show I was never contacted in any way until I got a letter saying I was 60 days past due. This has impacted my credit score by at least XXXX points. I would have otherwise perfect credit if it was not for XXXX XXXX XXXX XXXXXXXX XXXX poor policies. Now I likely can not buy a house over this {$12.00} issue. Please do not let this happen to other people.
Product: Credit card

Synchrony Bank is reporting an inaccurate and incomplete account on my credit report. I first disputed this alleged account on XXXX XXXX, 2015 with XXXX and XXXX, the XXXX credit reporting agencies which are reporting this account on my credit report ( see attachment ). I received correspondence from XXXX and XXXX stating that the account was verified as accurate by Synchrony Bank. 

On XXXX XXXX, 2015, I disputed the completeness and accuracy of the alleged account directly with Synchrony Bank ( see attachment ). Synchrony Bank provided correspondence dated XXXX XXXX, 2015 ( I received the correspondence on XXXX XXXX, 2015 ) stating that they had reviewed their records and verified the account ( see attachment ). However, Synchrony Bank did not, and has not provided any competent or reliable evidence to prove the completeness or accuracy of this alleged account. 

I filed a complaint against Synchrony Bank with the Office of the Comptroller of the Currency ( OCC ) on XXXX XXXX, 2015. However, on XXXX XXXX, 2015, I received correspondence from the OCC referring me to the Consumer Financial Protection Bureau ( CFPB ) ( see attachment ). 

Synchrony Bank has also violated provisions of the Fair Credit Reporting Act ( FCRA ). Synchrony Bank did not and has not annotated the account as disputed. Synchrony Bank has continued reporting the disputed account without providing a notice of dispute as required by the FCRA section 623 ( a ) ( 3 ). Additionally, Synchrony Bank did not notify me that a negative listing was to be reported on my credit report as required by the FCRA section 623 ( a ) ( XXXX ) ( A ) ( i ). Furthermore, Synchrony Bank has not provided a date of first delinquency to the credit reporting agencies as required by the FCRA section 623 ( a ) ( XXXX ) ( A ). 

As per evidence presented above, Synchrony Bank is in violation of multiple provisions of the FCRA. I respectfully request that this inaccurate and incomplete tradeline be removed from my credit reports with all credit reporting agencies including, but not limited to, XXXX, XXXX, XXXX, and XXXX. I sincerely appreciate your attention to this matter.
Product: Credit reporting or other personal consumer reports

last year when i found out that i was a victim of identity theft, i quickly called all XXXX bureaus and followed their instructions to a tee, however very little has came off my credit report. I still have XXXX accounts that have not came off and XXXX new collection accounts that are still on my credit report. I seriously need help.
Product: Credit reporting, credit repair services, or other personal consumer reports

On or about XX/XX/XXXX I experienced fraudulent activity on my personal checking account and had to close the account and open a new account. During this time, I had to contact all of my creditors and inform them of the new account information and setup auto-drafts all over again. XXXX XXXX was one of these creditors. I did not make any changes to my auto-draft with XXXX XXXX  XXXX XXXX XXXX '' because it did not have a balance and no amounts were being auto-drafted at the time. Sometime in XXXX, XXXX XXXX enrolled me in " paperless statements '' without my consent or permission. I have never opted into paperless statements because in past experiences, the email that I received about my new statement would end up in the " spam folder '' of my email. In XXXX of XXXX I used my XXXX XXXX XXXX for a series of purchases totaling around {$550.00}. I was under the assumption that the auto-draft was still in place and that a statement would come in the mail, but it never auto-drafted and a statement never came. Sometime in XX/XX/XXXX I received a call from XXXX XXXX informing me that my credit card account was more than 40 days past due. I immediately made a payment to clear the matter up. I then began investigating how this happened and why. I found out, after speaking with XXXX XXXX XXXX Executive Team that my account was enrolled in paperless statements and that my auto-draft had been cancelled by " XXXX XXXX ''. I did not cancel the auto-draft, XXXX XXXX cancelled it. Not only did they cancel it, but the communication that it had been cancelled was sent via email due to the paperless statements that I was incorrectly enrolled in by XXXX XXXX. XXXX informed me that I signed up for paperless statements, however I did no such thing. I informed XXXX XXXX of this and they simply ignored it. They also ignored the fact that they cancelled the auto-draft, not me. After completing some research, I found out that XXXX XXXX incorporates a pop-up window on their website for my credit card account. On this pop-up, you must hit the " continue '' button. Before hitting the continue button, I noticed that there is a " check box '' that is already checked before you hit continue. What this means is that XXXX XXXX is forcing consumers to agree to paperless statements, without the consumer knowing because this " check box '' is already " PRE-CHECKED ''. What this means is that the consumer must first look closely to see that the box is already checked and they must " un-check '' the box before hitting the " continue '' button. This is a major issue and will likely lead to a Large Class Action Lawsuit against XXXX XXXX. If I can not get this issue resolved with XXXX XXXX, I will be the one that initiates this Class Action Lawsuit. After bringing light of all of this to XXXX XXXX, they continue to refuse to acknowledge this issue and refuse to correct my credit bureau report. I have been utilizing credit since I was XXXX XXXX XXXX and in my 16 years of using credit, I have never paid anything late EVER.
Product: Credit card or prepaid card

I have no idea or aware of this card and how or why it was opened
Product: Credit reporting 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. Or list of inquiries 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: Money transfer, virtual currency, or money service

I am Writing regards to XXXX handling disputes particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using XXXX numerous times and reporting discrepancies, my financial institution and XXXX failed to investigate my claims adequately.
Product: Credit reporting or other personal consumer reports

The company has information on file that is the result of identity theft and should have been removed but refuses to.
Product: Student loan

I was on an Income Based Repayment Plan ( IBR ). I sent my documentation to renew on XXXX XXXX, 2016 so it would reach Navient before XXXX XXXX when my payment was due. I am unable to make full payments as I work only part-time. They did n't process my documents, so on XXXX XXXX I uploaded it to their website at www.navient.com and the next screen said it would be processed in 5-7 business days. I also emailed customer service that I uploaded it so they knew it was there to process. I never received a reply, and my request for renewal of my IBR has been ignored. I emailed customer service a second time on XXXX XXXX asking them to please process my documents and renew my IBR so that I can make a payment. I did not receive any reply to that email either, and my request and documents still have n't been processed. I postal mailed my documents to them again ( this makes three times I have provided my documents to this loan servicer ) on XXXX XXXX and they still have not processed them and adjusted my payment to the IBR amount so I can make a payment. They call my cell phone every day with a robo caller and dun me for payment, which costs me money, so I blocked their calls to that number. They have my home phone number, yet they do n't use it to get in touch with me and get this straightened out.
Product: Bank account or service

The bank by the name of Fifth Third bank has humiliated me as a result, They still owe me funds, and they lied on XXXX/XXXX/2016 and told me they were going to close my account on and my account is still opened as of XXXX/XXXX/2016 because I 've called them back after they have repeatedly called me during the past few weeks, and they 're still harassing me sending me letters and emails about a overdraft protection and I owe which i clearly didnt sign up for when i opened the account, and I was never told I owed any money while I had the account. I find it funny soon as I want to close the account they will send me letters stating my account was in the negative. I just want them to leave me alone..and I would like to be compensated for all of this terrible experience
Product: Mortgage

I am filing a complaint on Ocwen Mortgage. On XX/XX/XXXX my ex-husband, husband at the time, and I purchased a home through XXXX XXXX for {$70000.00}. On XX/XX/XXXX we sign paperwork to sale the home with assumption through a lawyer to someone else for {$67000.00}. We asked the attorney at the time if we would still be financially obligated on the home and he stated that this would release us from financial obligations. XX/XX/XXXX, I found this company, Ocwen Loan Services, on my credit report. Since I never heard of the company I thought I would give them a call. I spoke with XXXX XXXX, Agent ID # XXXX, who told me that I was not authorized on the account. When I told her that they were on my credit report which gave me authorization on the account, she asked for some personal information to confirm my identity. She was then able to find my name in there system along with my ex-husband. XXXX XXXX stated that we were still financially responsible for this home/loan. She could not explain to me why we were still on the account, so I requested someone who could. I was then transferred to XXXX XXXX, XXXX ID # XXXX, Escalation Manager. XXXX XXXX researched the paperwork and stated that she did not know if the assumption was completed or not, but she did find the assumption paperwork and did not know what type of assumption it was. I asked XXXX XXXX why my ex-husband and I were still on the account when he nor I had no knowledge of it. I also stated to XXXX XXXX that even if we were still financially obligated, unbeknown to us, our financial obligation would have ended in 30 years, since it was a 30 year mortgage. Therefore I wanted to know why this information was showing up on our credit report after 30 years when it never showed up before now ( Of course when I informed my ex-husband about the account, he had no knowledge of it. He then checked his credit reports and found the Ocwen Loan Services were on his credit reports as well ). Our 30 years would have ended in XX/XX/XXXX according to our initial mortgage note. Therefore why is it showing up after all these years for the first time in XX/XX/XXXX. Since we sold the house with assumption in XX/XX/XXXX according to our paperwork, why is it showing up on our credit report with a balance of over {$43000.00}. We never signed anything other then the Sale with Assumption in XX/XX/XXXX. XXXX XXXX stated she did not know what was going on w this assumption and she would have to send the paperwork to the Loan Department for them to review and they would get back to me. Currently I 'm still waiting. If there is anything we can do to clarify this issue, please let us know. Whenever we talk to the company we always get a different person and end up with the same conclusion, no one knows what 's going on with this assumption and we are not authorized on the account. But we are still financially responsible for this loan according to Ocwen Loan Services.
Product: Credit reporting or other personal consumer reports

I obtained a bank of america credit card more than XXXX years ago. I have never used this card. I have been billed monthly for the BofA Privacy Assist service for between {$9.00} and {$12.00} for many years. 

I have not been able to cancel this service. 

I have repeatedly contacted Bank of America to cancel Privacy Assist. The call center can not cancel the service. WHen the call center attempts to transfer my call to Privacy Assist the call disconnects. When I call Privacy Assist, the phone rings for approximately XXXX minutes and disconnects. It appears that Privacy Assist may no longer exist. 

My BofA account ends in XXXX My social security number is XXXX Research reveals that BofA and Privacy Assist were subject to a CFPB XXXX XXXX and placed under a consent order.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX pulled a credit inquiry on XXXX  that i did no know about.