23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Due to the data breach with Equifax I was apart of the massive lawsuit for the breach of my information. My personal information was illegally accessed and breached! On more than XXXX occasion I have reached out to Equifax to fairly and accurately have my credit report update. I have opened multiple disputes because these accounts were updated on my other bureaus. I can not even get an apartment because of the incorrect reporting information causing a low score. I am all out of options and tired of my rights being violated by Equifax. These accounts need to be removed immediately or updated correctly!! It is also illegal to allow companies to furnish my credit report with incorrect information. I called the company on XX/XX/XXXX on a recorded call with Equifax, even the representatives stated my information was listed incorrectly. What has been violated is FCRA ( 15 U.S.C 1681 ) ; right to dispute late payments, credit bureaus must ensure information is correct, bureaus must delete incorrect information FDCPA ( 15 U.S.C 1692 ) debt collectors are prevented from reporting false information TILA requires lenders to provide accurate billing information XXXX XXXX XXXX  acct ending in XXXX Account is reporting balance of almost {$300.00} and account has been paid in full, need updated with Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX acct ending in XXXX Creditor never verified the debt with me the consumer, Equifax is allowing creditor to report late payment history since XXXX, destroying my ability to get a place to live for work relocation, REMOVE IMMEDIATELY, account does not report to XXXX XXXX acct ending in XXXX No knowledge of balance, remove account does not owe creditor
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. 

Account Name : XXXX Account Number:XXXX** Account Name : XXXX Account Number: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: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : Inquiries : XXXX XX/XX/XXXX  As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Debt collection

My mother received a voicemail on XX/XX/XXXX from XXXX XXXX at XXXX XXXX XXXX ( based in New York ). In the message was my information and a mention of a civil lawsuit, with charges of Malicious Intent to Defraud a Financial Institution, Theft, among other things surrounding a debt from XXXX. My mother brought this call to my attention. We both assumed it was a scam, but I wanted to follow up anyway, just in case. I had a plan to get enough information from them to verify that it was a scam and be done with it. 

On XX/XX/XXXX I called XXXX XXXX and he expressed concern about this debt, asking for my side of the story. He said that although my original loan was {$800.00}, interest and other charges brought my account up to $ XXXX.He mentioned that I would be being served if I did not pay a settlement of {$1800.00} today. Somehow he had a TON of details about this particular account of mine ( exact amounts, dates, my employer at the time of the account, etc ), enough to make me feel as though this attempt at taking my money was not a scam. I began to get upset and mentioned that I did not have that amount, but that I could possibly call a relative to help me. He asked for their name and phone number ( in case he needed to verify their information when they call ) and told me to call them. The call ended. 

While I was beginning to doubt my certainty that this was a scam, there were a ton of red flags still. So, now that I knew what account and company I was dealing with, I checked my credit monitoring service and then the company website itself ( XXXX ). I couldn't remember my login information with them, so I spoke with someone via live chat and explained that I wanted to make sure this debt collector was legitimate. The representative was extremely helpful and transparent and explained that they would never make threats of court or anything like that, and that this person was trying to scare me out of my money ( and way more than what I even owed ). They told me my loan had been sold off and gave me information for the actual company who now had my account. I was so thankful and glad I checked.
Product: Student loan

Navient took over my loan servicing a couple years ago. For the last two months they significantly increased the amount they withdrew from my account without notification. My repayment, which was on an automatic repayment schedule, increased from {$76.00} to {$300.00}. This dramatically affected my monthly budget which was already well planned due to XXXX kids. 

When I called and asked why my repayment shifted so dramatically, they did not address my questions. I was ahead on my payments. I paid on time. But they effectively changed the terms of my loan and violated the promissory note. Had I continued to repay the loan under the new payment {$300.00}, it would have been paid off sooner than the agreement stipulated. They offered no reason for failing to notify me of changes to my repayment plan. 

They were unable to explain why my payments increased, given this was a flat rate loan repayment program over a fixed term.
Product: Credit card or prepaid card

Around XXXX or XX/XX/XXXX. I was notified that I qualify for XXXX benefits from North Carolina. I had requested them to go in my regular checking account but for some reason they went on the prepaid Bank of America card. My account was unexpectedly and with no communications from Bank of America, frozen and take a -XXXX and some dollars. It was left that way I believe until XX/XX/XXXX and this happened and XX/XX/XXXX me and my son had just moved into a place after previously losing our home and XX/XX/XXXX. But due to the neglect and poor diligence of Bank of America, we were evicted after our power being disconnected in XX/XX/XXXX because of the coronavirus and the presidents order to not leave our XXXX, unless we were healthcare worker to go to work I have no other options or other means for survival. Not to mention that my mother was in her last year of her life fighting her battles battle with XXXX XXXX. Bank of America has absolutely destroyed my life. My son had to be placing another family members home due to me not having a home I slept in storage buildings I walk the streets, lost any bit of respect I had for myself and dignity. I have been humiliated I have begged I pleaded with Bank of America to assist me in getting this resolved after two years now they still have not gotten anything completely resolved. Ive had three people reach out to me for Bank of America supposedly to resolve this matter that each one of them cause one time, and I never hear from them again
Product: Checking or savings account

I am currently XXXX overseas. My card was used on an evening for two separate unauthorized charges resulting in {$XXXX} taken from my account on XX/XX/year> to some sort of management company. I called XXXX XXXX XXXX department and was told Oh this definitely does not look correct let us submit a claim. A provisional credit was issued and the case was opened. The decision came back and was concluded there was no error in the transaction, since tap to pay was used. An appeal was sent in reassuring that this charge is not accurate, and this company, which can not be traced, stole the money. I was denied again as of XX/XX/XXXX and was told without new information, I am not to be believed and can not be refunded. This is the second time the country Im currently in has stolen my funds.
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. 


I told XXXX, XXXX, and Equifax to reinvestigate these accounts : Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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

I received a settlement offer on XX/XX/XXXX from XXXX XXXX XXXX , XXXX alleging a debt of {$4600.00}, this is the first mail contact I had with XXXX XXXX XXXX. On XX/XX/XXXX I mailed a certified letter to them asking for validation of this debt. They sent me an account statement from XXXX XXXX ( XXXX ) and a statement from them that said they owned the debt. On XX/XX/XXXX I sent another letter specifically asking for verification from XXXX XXXX that they have sold or transferred the debt to Midland. I have received nothing more to date from Midland. 

I have attempted through XXXX and XXXX  to verify this debt. Nobody has been able to provide me with documentation from XXXX in writing that they have sold this debt to Midland.
Product: Money transfer, virtual currency, or money service

I am 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, 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 user vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumers safety.
Product: Student loan

Regarding Navient student loan payment ofXX/XX/XXXXof XXXX. I think it is unfair that I have to make this one payment of {$150.00}. The recertification period, starting on XX/XX/XXXX. I filled out the I.B.R. annual recertification on-line. On XX/XX/XXXX I received notice from Navient that they needed a copy of my paystub, which I mailed immediately. I do not have access to a scanner, so I had to mail document. Later I received notice that they needed further clarification. I then had to mail another paystub to them. These delays resulted in this incorrect billing of {$150.00} between the I.B.R annual zero-payments of XX/XX/XXXXand the current I.B.R annual zero-payments for the period ending of XX/XX/XXXX. Your help in resolving this matter would be greatly appreciated. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

As I was checking my credit report I have noticed I had 31 hard inquires filed on my credit report that I have not applied for. My info was used multiple times for things I haven't applied for on my Transunion and XXXX credit report. 
Here 's a list of inquiries that were used under my name and was not from me. Victim of identity theft. 
************************************* XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX All inquiries were listed more than once none of these were sent over by me
Product: Credit reporting or other personal consumer reports

Asked company to remove unverifiable items from report and investigate accuracy and pay for items that was listed and they later removed that was not suppose to be there in complaint XXXX
Product: Credit reporting or other personal consumer reports

I attended XXXX and was advised that the school was in the process of losing its accreditation and it wouldnt effect my credit or prohibit me from getting any further loans so that I could continue my education. That is not the case and I have been plaque by this matter for several years,
Product: Debt collection

After months of intense disputing with the credit bureaus, Capital One, and XXXX XXXX directly I thought this nightmare came to an end when the account was finally removed from my credit report, only to be woken up after a long days work by a collection agent from XXXX XXXX!! Not only did they totally belittle me, they told me I still owe the money, I still need to pay them, and they will still be doing everything to enforce their request for payment! I requested, by certified mail ( see attached ) that they no longer contact me by phone, I also sent them the fraud form I filed with the police! HOW DARE THEY!! PLEASE HELP ME!!!
Product: Debt collection

I requested that they validate and verify the alleged debt by providing me a copy of the signed contract to show I have a contractual agreement with them and they have not provided it. This is for the following two credit accounts [ Account # XXXX ] and [ Account # XXXX ]
Product: Credit reporting, credit repair services, or other personal consumer reports

There are fraudulent inquiries on my credit report I want deleted. Without my authorization these inquiries were placed on my report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I contacted Walmart Capital One and asked for temporary assistance with my bill. I have never been late once and since the account was opened years ago. I had a medical problem went into the hospital ( have proof Drs note hospital etc. ) I missed one payment and I called as soon as I got out of the hospital with my mother as I was still weak and needed her help. We were told there was nothing I was eligible and had to make the minimum payment off {$490.00} by the next due date XX/XX/23. I was shocked and hurt t the same time and stated I would be filing a complaint to let someone in Corporate know what was going on if they did not know. And to let other consumers know that after missing one payment Capital One would not work with me or credit any late fees. This is truly a punch in the gut to me because I am still not back to work and I can not believe Capital One Walmart has no option to help me on a temporary level. I would like to speak to someone at the Corporate level regarding my concern as this could happen to anyone if they are not rich and get hospitalized.
Product: Debt collection

I filed for bankruptcy ten years ago. This company acquired a mortgage that was cleared in my bankruptcy case ten years ago. Firt they reestablished the debt on my credit report as a new dept. when i called them they told me i had to pay them regardless of the bankruptcy. Now they issued me a XXXX  for income. According to them since i didnt pay this ten years ago they want me to report it as income. This is the second issue with this conpany. Im working towards repairing my creidt theae people continue to aet me back. The debit cleared by the court was not income i never recieved money in my pocket this was money paid from one mortgage comapny to another. Please help me to get this XXXX  reveresed and get this comapny to leave me alone. They causing me extreme distress in a chapter in my file that should have been closed for years now.
Product: Payday loan

A debt has been sold, original creditor is not on my report and I can not get in contact about the inaccurate information. 
However I was called several times in the last 6 months with someone pretending to be from the XXXX XXXX XXXX 's office threatening to have me arrested at my place of employment over these XXXX negatives that appear on my credit report. I also received some emails about this debt stating that I am currently in court for this but I was never served by any courthouse.
Product: Credit card

I opened an American Express XXXXXXXX XXXX XXXX to purchase some appliances. I thought it was a XXXX store card like I had previously, years ago, but it was not. After learning that it was an American Express with high interest rates, I asked them to lower my rate because I had excellent credit ( above XXXX at the time ) but they said that I had to prove my credit worthiness and so I promptly paid it off within a couple months. 
The last payment I made was prior to the due date and they still charged me interest. My wife called them to see why and even though she was on the account, they would only speak to me and they said that they charged the interest every single day and that I had to prove that I paid prior to the due date. So I sent them copies of the money leaving my bank well before the date. And I have a copy of the receipt for the tracking of the copies that I sent to XXXX XXXX, TX office but not the letter requesting the refund. 
Fast forward to today when I receive a check from American Express Travel Related Services which I DID NOT request for an amount of {$1600.00} and I have no idea why. So I look at my email today and they have sent a bill for the same amount! So now, I am highly suspicious as to why they are trying to bill me for something that I have no idea what they are doing. Another way to XXXX interest? I paid the card off because I am not going to pay the higher interest rate when I have other more reasonable cards. 
I am very frustrated with this and I think this definitely needs to be looked into at a much deeper level because I think it is another way to take advantage of the consumer. Please help me resolve this. 
Respectfully, XXXX XXXX
Product: Credit card

My name is XXXX XXXX, and this is about a visa card issued by Bank of America. 

On XX/XX/XXXX, I made a purchase online on XXXX for three items : - a TV, in the amount of {$2100.00} - a protection plan ( for the TV ), in the amount of {$99.00} - two gift cards, in the amount of {$150.00} The purchase didn't get through, and I got a message to call Bank of America, to verify my purchase. 

I called Bank of America ( credit card fraud team ), and after verification, I was told my card was unblocked, and I can make the purchase. 

I placed the order with XXXX again, and it was again declined. 

I had to call Bank of America ( credit card fraud team ) again. After going through the same verification process, I was told I can try it again. 

I went back to XXXX to place the order again, and everything went through. I got confirmation from XXXX for the TV, the protection plan, and the gift cards. 

Today ( XX/XX/XXXX ), I noticed that on the website for my credit card, I was charged for two items for XXXX : - {$150.00} ( which is apparently for the giftcards ) - $ {$110.00} ( which is the protection plan + tax ) But there is no charge for the TV. 

I called again, and was told the purchase was again declined. After another verification, I was told my card is unblocked now, and I can go ahead with my purchase.

At this point, I am very frustrated and confused.

1. I don't know why I need to make 3 verifications for the one purchase I made.

2. I've got the confirmation from XXXX about the delivery of the TV and apparently XXXX thinks they've received payment. But then, the credit card company asks me to make the purchase again, because all previous purchases are declined ( despite the fact that the cost of XXXX of the XXXX items already showed up in the online record ). 

I talked to the associate and also her supervisor. They can't explain what's going on, why they want me to make three verifications, why XXXX believes they've received the payment, and why two items in the same order went thru but not the third. 

I have wasted so much time with the three calls, and I still don't know the status. But I want to spend the time to make this complaint to let you and the public know the sheer incompetence of the Bank of America credit card team. I have used many credit cards, and I have never encountered such issues, and have to talk to clueless representatives over and over again.