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

I would like to request a security freeze be on my Consumer Disclosure report. I choice to opt out of your disclosing future information until further notice including the XXXX . report and other furnished Lexis Nexis regarding all personal information of mine. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Credit Report Act youre required to comply.
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously reported this account 3 month ago this company reopened my investigation after completing and resolve my investigation and reinserting these accounts on my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Account illegally being furnished on my credit report. 

The account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is reporting to belonging to me. 

I, XXXX XXXX, on XX/XX/2023 filled a complaint with the Wisconsin Department of Financial Institutions ( DFI ), against XXXX XXXX ( XXXX ) and requested verification and validation of an account being furnished to my credit report. 

On XX/XX/2023 I received a email from a Consumer Credit Examiner, who was assigned to me through ( DFI ), to examine my complaint that in response to my complaint, XXXX ( XXXX XXXX ) in a letter sent in PDF form, stated that they were unable to locate any account in my name. No record was found for the account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Clear violation of federal law, by being reported on my credit report, with no validation of this account be true, accurate and verified.
Product: Checking or savings account

XX/XX/XXXX I logged into my accounts and saw that they were blocked. I called Capital One and they said they closed them due to overdrafts that they allowed on my account. I asked about my direct deposits from my employer that would be sent to Cap One on XX/XX/XXXX and they couldnt tell me what would happen. I called back on XX/XX/XXXX ; XX/XX/XXXX and they claimed they did not have my direct deposits. They always have posted to my account on Wednesdays. I saw the amounts deposited today, XX/XX/XXXX and called Cap One again. I spoke with XXXX and XXXX in the Customer Protection Department and provided all kinds of information on my identity again ( this happened in all the calls ) and after 40 mins all they could tell me is that the " backoffice '' is investigating and they will release my money when they are done. They refused to put me in touch with the backoffice and also refused to send the funds to the XXXX checking account I have linked to my capital one account. Due to all of this, my car insurance has been cancelled, I have no money to eat, pay my utilities or put gas in my car.
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention the unresolved issue concerning late payment account on my credit report. Despite previous attempts to rectify these discrepancies, they remain unaddressed. The ongoing issue with the late payment account remains unresolved, causing concerns and potential financial repercussions. I kindly request a thorough review and prompt resolution of these issues to ensure the accuracy and fairness of my credit report. Your immediate attention to this matter is greatly appreciated. 

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

I submitted a dispute with all 3 credit bureaus on the XX/XX/XXXX adn also some weeks before that thorugh XXXX XXXX. I havent ' received anthing in writing from two of  the agencies which are Transuion and XXXX. I reached out to Transunion and was told by two fraud reps and a supervisor my investigation was completed on the XX/XX/XXXX. and it takes up to 7 business days to receive something in writing from them and they have 5 days from receiving the request to investigate to start their investigation. I called to advise them I have yet to receive anything from them in writing and demanded they remove the negative items off my report, the first guy hung up on me the second guy transferred me to a supervisor and she repeated what the other guys said, as if she was going by what they had noted in the account. My understanding is if they haven't respsoned they are to remove the items off, I even have an email from XXXX XXXX that was sent to me stating the investigation hasn't been complete and I need to reach out to the bureau personally about it. How are we to use the law in our favor if the the bureau won't budge to remove negative items off when they are the one 's at fault because they haven't responed in a timely mannor. How does it fall into their favor because in their system they show a completed date but it is past 30 days for you to reveive a response but they are given an extentsion because in their system the completion date is within the 30 days but no respone has been sent and the response can be sent after 30 days according to them because their completion date in their system is within the 30 day window, it isn't fair technically it is past the 30 days regardless of what's in the system. Can I get help with this one, pleae.
Product: Credit card

I closed my Capital One credit card account ending in XXXX in XXXX at which time I was advised by customer service representative that there was no balance due for this card and they were able to close my account. 

Recently, I accidentally realized my credit score dropped a lot because of the past due credit card payments reported by Capital One. 

I called the Capital One customer service on XX/XX/2023 trying to figure out what happened and they told me that I have a balance of {$110.00} due for my closed credit card account. This involves a XXXX membership fee of {$42.00} due on XX/XX/2023 plus late fee charges and interest charges. I explained that my credit card account was already closed and I did not receive any credit card statement since I closed my account so that I was unable to know I had a balance due. 

Upon bargaining, I made a full payment of the balance due which is {$110.00} right away over the phone and the customer service representative was able to request for a refund of a {$40.00} late fee charge and {$1.00} interest charge for me. But my request for the refund of {$29.00} late fee charge and {$0.00} interest charge was denied. 

I feel its really unfair. As a consumer, I am not supposed to pay for what I had no knowledge of. The late fee and interest charged by Capital One for a balance that the consumer had never been informed is apparently an action of taking advantage of the consumer. 

I would like to request for a refund of the {$29.00} late fee and {$0.00} interest charged by Capital One for the billing cycle of XX/XX/2023 to XX/XX/2023.
Product: Debt collection

I went to XXXX XXXX credit bureau XXXX to check on my credit report for any typical fraud, and i found his Sunrise Credit Services XXXX with this XXXX XXXXXXXX put on my credit report a loan for collection which I have never found myself took any loan like this from no one. I have contacted that agency by using my cell telephone with this number XXXX XXXX XXXX, the agent was very rood, and shut off the telephone on me with no response. 

Thank you for your help. 

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

I value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still many items to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

Subject : Violation of FDCPA by Bounce AI I am writing to file a formal complaint against [ Debt Collection Agencys Name ], which I believe has violated the Fair Debt Collection Practices Act ( FDCPA ) in the following manner : Avoidance of Cease and Desist Notice : On XX/XX/XXXX, I sent a cease and desist letter to Bounce AI, requesting them to stop all communication with me regarding the debt in question. Despite this, the agency has continued to contact me via email, which I believe is a direct violation of the FDCPAs requirement to honor a cease-and-desist request. 

Failure to Fully Validate the Debt : According to the FDCPA, a debt collector must provide full validation of the debt upon request. Since XX/XX/year>, I requested full validation of the debt, including the purchasing agreement or contract, from Bounce AI. They responded with incomplete documentation, failing to provide the purchasing agreement or any evidence that they legally own the debt in which the entity claimed was private and/or confidential. This lack of proper validation also constitutes a violation of the FDCPA. 

I have also disputed the lack of debt validation to the credit bureaus in the past and recently but yet Bounce AI is still ignoring my cease and desist in XX/XX/year> and still emailed me directly instead of just responding to the credit bureaus. 

Please see my attachments of the following documents which will support my complaint : Copy of Cease-and-Desist email Correspondences with Debt Collection Agency
Product: Credit reporting, credit repair services, or other personal consumer reports

after reviewing my credit report i saw that this creditor have leading and false information on my credit report, XXXX XXXX in the amount of {$10000.00},
Product: Credit reporting or other personal consumer reports

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX DEPT OF ED XXXX  DEPT OF ED XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have accounts that are reporting wrong and incorrect information. I have tried relentlessly to remove these errors from my credit report with the original creditor and the credit bureau 's, however, I have been unsuccessful as the credit bureau 's and original creditors have been violating federal law! The account from XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX are reporting late payments that are incorrect. According to 15 U.S. Code 1666b- Timing of Payment EQUIFAX XXXX XXXX XXXX AND XXXX ARE BREAKING THE LAW. Pursuant to subsection ( A ) A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I, XXXX XXXX, did not receive a periodic statement 21 days before my account was going to be late which is a violation of federal law. Additionally, a creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose. I have attached a copy of the law to this document. I demand the late payment ( s ) be removed from the following account ( s ) immediately. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Paid the amount of {$77.00} on XX/XX/2022 for my medical payment to the company of XXXX XXXX  XXXX XXXX. I received a letter from SCA Collections around XX/XX/XXXX for the amount of {$77.00}. I tried calling multiple times during regular business hours to talk with a representative, but have had no luck reaching a person to dispute this charge. I have the credit information to prove that it was paid.
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat this item is being reported correctly? Who verified this item? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA. Since you claim youve verified the item listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ITEM? I believe you have not verified this item based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. XXXX  XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute several accounts listed on my credit report that are both incorrect and fraudulent. These accounts do not belong to me, and I have no knowledge of any transactions associated with them. The presence of these false accounts is not only unfair but also troubling, as I have never engaged in any activity related to these entries.
Product: Checking or savings account

I made a deposit at the Chase ATM and there was a problem, they gave me a receipt that said to call a number to check that my deposit was made correctly, I called that number and they told me that they were going to give me a credit, while they checked if the money was in the ATM, and I said Okay. Later they told me that the technician checked and that the money was not in the ATM, and I told them that it was wrong because I deposited the money, that they should check the cameras of the bank and the ATM and they said that they could not do that and I told them that Since they couldn't review that and then what could I do and they said that nothing else can be done, that was all. And then I told them where my money is and the lady who helped me said that she didn't know anything, and that she didn't have any more information than that it was all she had in her notes. 

Note : this problem had already happened before and the money always appeared. The drive true ATMs are always out of order in the 2 branches in the area where I live and the only one that works sometimes is the one inside the bank. And I think that this time the money " disappeared '' because I put some reviews on XXXX maps telling the truth, but they were negative comments towards the institution and I think they didn't like it very much.
Product: Mortgage

On XXXX XXXX XXXX, California Bank & Trust starting asking for a inordinate amount of monthly information for the 3 loans I had with them. 
My father had passed away and my mother was in such bad health, I was not able to provide this information on a monthly basis but always made sure all payments were made on time and continued communications with the bank on why I couldn't provide monthly statements. 
This was not enough for them and they threw me into collections. 
Promptly, I told them I would payoff the loans ; which I did. 
The problem was they were intent on over billing me for {$12000.00} on appraisal fees. 
I asked them to show me the actual appraisal reports as I knew they didn't have them and they declined and just told me I couldn't close without them and continued too add legal fees and interest the longer it went on. 
This was highly inappropriate as I had paid just 10 months earlier for a extensive appraisal of all 4 properties for tax purposes for only {$3800.00} And they literally charged me {$3400.00} for asking questions!, The loan officer would direct me to a lawyer who charges you per conversation, which I did not know till I got the bill. 
They had no right to call for a appraisal on a simple payoff or charge me for information. 
Please help, Thank you.
Product: Student loan

CFPB, I believe that the Pennsylvania Higher Education Assistance Agency ( PHEAA ) through XXXX is failing to adhere to 34 CFR 685.209 in calculating monthly payments under the Revised Pay As You Earn ( REPAYE ) program. 

I have provided them with a XX/XX/XXXX tax return, which contains my IRS calculated AGI and would result in a REPAYE payment of around {$300.00} per month. Nonetheless, they have on various occasions refused to review that IRS documentation and have insisted on relying on pay stubs to calculate my payment, which they have most recently calculated at {$390.00}. 

On XX/XX/XXXX, I received an official email from XXXX stating that my monthly payment would be {$300.00} only to receive another email a day later stating the payment had been recalculated to {$490.00}. 

I have already reached out to the Office of Consumer Advocacy at Pennsylvania Higher Education Assistance Agency ( PHEAA ) and XXXX at ( XXXX ) XXXX stated that he agreed that per 34 CFR 685.209 my payment should be {$300.00}, but he appeared unable to have the payment correctly recalculated. 

For reference 34 CFR 685.209 states the following : ( 2 ) Terms of the Revised Pay As You Earn repayment plan. 

( i ) The aggregate monthly loan payments of a borrower who selects the REPAYE plan are limited to no more than 10 percent of the amount by which the borrower 's AGI exceeds 150 percent of the poverty guideline applicable to the borrower 's family size, divided by 12, unless the borrower 's monthly payment amount is adjusted in accordance with paragraph ( c ) ( 4 ) ( vi ) ( E ) of this section. 

As shown in my XX/XX/XXXX tax return, I have an AGI of {$54000.00} which would result in a monthly payment of {$300.00} for me.
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. 

Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX 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, credit repair services, or other personal consumer reports

To : XXXX and Experian According to the fair credit reporting act, any data being report XXXX to my credit file must be fair, accurate, and complete. Also the accounts being collected must be validated. 

I have complained and filed disputes for these in the past for months and all the credit bureaus have lied and not conducted investigations or you would of read the documentation And saw what this creditor sent to me showed that they did not have any validation documentation prior to XX/XX/2022. 

They lied to you and you lied to me because you did no investigation ans you havent read the disputes and the supporting documents or you would have already taken action against these criminals. And the documentation they did provide from the XXXX letter is a XXXX violation and is null and void and none of you are suppose to see a federal protected document like that even if it were legit but they made it up themselves almost 5 years too late! 

Secondly these two screenshots from XXXX show that the first day of delinquency is not being reported!. 

You better fix it or delete it because youre gon na be answering to it in a deposition soon so quit breaking the law and fix it!
Product: Credit reporting or other personal consumer reports

Please be apprised that you are in direct violation of the Fair Debt Collections Practices Act. In my opinion you have violated at least XXXX sections of this act by : Failing to validate a debt as allowed to the debtor under 15 USC 1692 ( g ) Section 809 ( b ) Communicating with a debtor after receiving a cease and desist certified mail under 15 USC 1692 ( g ) Section 805 ( c ) Harassment of alleged debtor under the " abuse & harassment '' subsection of the statute, USC 1692 ( g ) Section 806 ( 5 ) the validity and accuracy of your recent investigation of these accounts is that I felt the item was not being reported legally. Couple of days ago I received a letter stating that your investigation was completed and my updated credit report still have the accounts I disputed when unfair traits and activities is being active to this company 's that I think illegally reporting in my credit profile that affects my life being tortured financially. 

I WANT TO KNOW WHY? HOW? When they can not provide A PROOF or and EVIDENCE OF ANY WRITTEN DOCUMENTS THAT HAS MY WRITTEN SIGNATURE THAT WILL SHOW THAT I HAVE BUSINESS WITH THOSE COMPANY. 

I DISPUTED those accounts because I never applied for any accounts to them. And I did not signed with my written signature to a written documents as transaction agreement. Please Make this negative accounts DELETED TODAY IN MY CREDIT PROFILE and deleted completely in my credit report as under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report and As a consumer by law this account listed below must be deleted immediately!

Pursuant to the FCRA, a consumer report does not include any report containing information solely about transactions or experiences between the consumer and the person making the report. Any reporting of late payments or derogatory statuses is a direct violation of 15 USC 1681a ( d ) ( 1 ) as that information pertains to experiences any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) a copy of which is enclosed which states that this information must be removed within XXXX business days of receipt, I am requesting that the adverse information on the items be removed to correct my credit report.
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 claim adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was infeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.