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

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX, XXXX XXXX, TX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX, XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1600.00} XXXX XXXX XXXX XXXXXXXX Balance : {$3000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$1900.00} XXXX XXXX XXXX XXXX Balance : {$440.00} XXXX XXXX XXXX, XXXX XXXX, TX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX, XXXX XXXX XXXX XXXX, XXXX XXXX, TX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, TX, XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1600.00} XXXX XXXX XXXX XXXX Balance : {$3000.00} XXXX XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$1900.00} XXXX XXXX XXXX XXXXXXXX Balance : {$440.00} XXXX XXXX XXXX, XXXX XXXX, TX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX, XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$1600.00} XXXX XXXX XXXX XXXX Balance : {$3000.00} XXXX XXXX XXXXI XXXX Balance : {$680.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$1900.00} XXXX XXXX XXXX Balance : {$440.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Within the past month I noticed hard inquiries on my credit reports with the three main bureaus, XX/XX/XXXX, XX/XX/XXXX and Transunion, which I have not authorized.

In exercising my legal right under the Fair Credit Reporting Act, Section 609, to request information regarding said hard inquiries on my credit reports, I mailed details of each of the unauthorized hard inquiries to the respective credit bureaus. 

As per Sec. 609 of the FCRA, I am legally entitled to see the source of the information, which is the original contract that contains my signature. If the reporting agency is unable to verify the account with the original contract, containing my signature the unverified information must be immediately removed. 

Despite having been notified by me in mail with sufficient documentation substantiating my true identity, XX/XX/XXXX and Transunion have all failed to remove the unverified information from my respective credit reports.
Product: Money transfer, virtual currency, or money service

I am writing to formally expressed 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 of times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible, and that tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers, but also allowed repeat offenders to exploit the system, leaving users vulnerable. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting

I pulled my credit file on XX/XX/XXXX and realized none of my accounts on my equifax report had updated since XX/XX/XXXX. I called each of my creditors showing on my report and wzas informed by each of them that the had been sending my credit file monthly to equifax. I called equifax on XX/XX/XXXX and informed them this was going on and that my file for the last year none of my accounts had updated my credit limits, balances or payment history since XX/XX/XXXX the rep informed me that she had matched up my information in their system and it would update within 24-48 hours. The following week I pulled my report again and my info still had not updated, I called equifax back on XX/XX/XXXX asked for a supervisor I was put on the phone with XXXX ( a supervisor ) she told me every account that was listed on my credit file had stopped sending them updates in XX/XX/XXXX. I informed her that I had statements from my creditors that stated my history with them that they had been reporting to equifax she informed me the only way they could update my credit file is if each of my creditors called them and they updated my file through there business dept my creditors informed me they do n't do that they only send electronic files. Equifax has refused to update my file even after sending them the letters from my creditors stating my credit limits, balances and payment history
Product: Checking or savings account

In General : The bofa said that I deposit a check 2 times but I dont know what happened and the bank just auto deduct my money from another account to cover them. 

timeline : On XXXX : I deposit a check ( called " XXXX '' ) of XXXX $ to account ending with XXXX, everything go through. I throw that check somewhere and forget it On XXXX : By some reason. I dont use that account anymore and move to another account. 

On XXXX : BOFA said that I deposit that check XXXX again so they deduct me XXXX $ on account ending with XXXX. But no information about the transaction that show me deposit that check to that account or any where On XXXX : I called them about that problem. I ask them reason and why and they just said to me that I deposit that check XXXX 2 times. I ask them show me information the second time of that deposit ( like where is it going, to what account ) but they just can provide the date and the banker said that it deposit to acount XXXX but that account just received that check XXXX only XXXX.
Product: Money transfer, virtual currency, or money service

Paypal has sent me to collections over two cases that were filed  against me since  XXXX   XXXX . The total is {$680.00}. First of all they have allowed individuals to open cases past their own guidelines. According to  Paypal, a case must be opened within 120 days. Both cases were well over 120 days. Unfortunately one of the cases I could n't find tracking info for so I figured I will have to pay the {$450.00} since I could  n't locate tracking. The other case was for {$200.00} and I provided them tracking info off  XXXX  showing the package was shipped. Because the package was shipped over a year ago,  XXXX  tracking was n't working correctly. Now they have sent me to collections and wo n't even speak to me. My calls go directly to the collection agency which basically insinuates this is an old debt when it clearly is n't even  two months old. Today I get an email that an individual is opening a case against me from a transactio n dated  XXXX / XXXX / XXXX  which is again well over a year old. I try to login to m y Paypal account and now ca n't even log in. This is a HUGE problem. How can I fight my case if they wo n't speak to me or allow me to login to provide tracking info. Another issue is I have a Paypal credit account which is basically their credit card which I also ca n't log on to and I use this to make my payments online. I do n't know where to turn but I f eel as though I 'm being treated very unfairly.
Product: Credit card or prepaid card

I have had an account with XXXX furniture TD bank for roughly 5 years. In that time Ive paid off and paid down purchases consistently. Last month, there was a discrepancy for XXXX payment. For some reason the regular payment took longer than normal to go through and ultimately did not. Since Id switched personal banks I looked into it and got payment resubmitted the next day. I also called XXXX to explain what happened. I was told Id be charged a {$25.00} fee which given my stellar history would be waved. I was not told my credit limit would be lowered by {$4000.00} to the amount I owed. I was also charged over {$100.00} of additional fees which took my over that limit. Again, no warning. I did receive a letter from the company saying please be advised if XXXX consecutive payments are returned, your account may be subject to charge-off. Thats it. I learned from the Fair Credit act If a card issuer decreases your credit limit, the card issuer can not charge you over-the-limit fees or a penalty rate for exceeding your new, lower credit limit, until 45 days after it has given you notice of the decreased credit limit. A card issuer can not charge you over-the-limit fees if it didnt give you notice of the decreased credit limit and if you havent opted into the payment of over-the-limit transactions. 

What happened to me is a violation. I need XXXX  and TD bank to be held accountable.
Product: Credit reporting, credit repair services, or other personal consumer reports

Try to solve it using a link on XXXX XXXX ( XXXX ) and it says the information is correct. Which is not, account are older than 7 years and collection agency had altered the dates so it still shows on my credit report. {$1000.00} XX/XX/XXXX, the other one {$2300.00} XX/XX/XXXX. Im just asking for fairness, this is affecting the welfare of my children directly.
Product: Credit reporting or other personal consumer reports

Transunion has violated 15 USC 1681- Permissible Purpose of the FCRA, on multiple occasions. They also actively violated 18 USC 1028A as a non-affiliated third party to any account reported within my consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX ( XXXX XXXX  ), has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting or other personal consumer reports

I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any account listed on an id theft report. Ive already included this report in a previous letters & am included it again. This letter is to notify you if you do not block the listed accounts on my report I will be filing a lawsuit. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. Currently you are in numerous violations of FCRA laws. My attorney is very excited at the possible outcome of this case because theyve already sued you & won tens of thousands in damages. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

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. XXXX 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 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
Product: Debt collection

I have set up the payment to have the company have the the first payment come out the ACCOUNT ON THE XX/XX/XXXX. THE LAST ONE XX/XX/XXXX. THE ARE KEEP CALLING MY NUMBER AT XXXX, MY GRANDMOTHER HOUSE AT XXXX LOOKING FOR MY FATHER AT XXXX XXXX WHO IS NOT ON THE CREDIT CARD. I ASK THEM NOT TO CALL HIM BECAUSE I AM AWAY AT SCHOOL. PLEASE HAVE THIS COMPANY TO STOP CALLING WHEN THE PAYMENT IS SET -UP
Product: Credit card or prepaid card

Barclays closed our credit cards for no apparent reason and with no notice. We have been long term customers, have excellent credit, never missed a payment, and had a {$20000.00} credit line. Barclays has declined to reinstate our cards. I have a Barclays issued case number : XXXX. 

Credit card number : XXXX XXXX XXXX XXXX, expired XX/XX/2022.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX {$980.00} XX/XX/2020 I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. 
Failing that, the item must be deleted from the report as soon as possible. The listed item is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation.
Product: Student loan

I 've disputed and fought with fedloan servicing over the reporting of my accounts for the last 6 months and their record keeping and responses have been nothing but shameful. It makes me sick to think that they are in charge of so many consumers debts because they ca n't get mine right nor can they even respond with the appropriate accounts with the correct date opened etc. It 's truly a disgrace. I have disputed XXXX particular accounts with Fedloan Servicing and their first response to my XXXX page dispute sent Priority Mail was all of XXXX sentence long and just simply stated they could n't report any corrections before my credit report was reporting accurate information. How is it that I spent hours typing up this dispute and they spent {$20.00} to mail it and make sure it was received to receive a pregenerated generic response. I spent hours on the phone with customer service, I spoke to managers, and noone could understand what was going on with my loans. I sent a second letter disputing the XXXX accounts and sent my mail certified and received a response that did help me to understand the reasoning behind their decision, however, they listed XXXX accounts opened in XXXX of XXXX and only XXXX opened in XXXX of XXXX. The XXXX accounts I was disputing were both opened in XXXX of XXXX so truly their response still did n't answer my dispute/complaint in regards to the XXXX accounts opened in XXXX of XXXX. NOWWWW after reviewing my XXXX credit file, suddenly there are no longer XXXX derogatory accounts XXXX opened in XXXX of XXXX and XXXX opened in XXXX of XXXX but now as of XXXX there are XXXX derogatory accounts including a new one supposedly opened in XXXX of XXXX. Never did I have a student loan in XXXX of XXXX and I 'm confused as to where this even came from. Now I 've got to spend hours of my time to complain and tell this story and try and get a response from them that actually makes sense. Nowhere on the national student loan database nor on the Fedloan Servicing website do I show any loan opened in XXXX of XXXX. This has been an absolute nightmare and I 've put at minimum 40 hours into researching and trying to make sense of what Fedloan servicing has done with my student loans that are now preventing me from getting a home. Please see the attached documentation and try and make sense of their insanity. There were only XXXX derogatory Student Loans with them in XXXX reporting to XXXX and as soon as I start disputing and trying to make sense of their insanity, they then go and throw an extra loan with the same derogatory account history as the accounts I 've been trying to dispute. This has got to be illegal and I will not stop fighting until my credit report is correct. After 6 months and a multitude of letters being sent, this should not be an issue I 'm still having to deal with.
Product: Debt collection

GLA Collections has several debt listed on my credit report that do not belong to me. I have been notifying the company since XXXX, so yes ... 5 years of this nonsense that these accounts are fraudulent. in XXXX the person who committed these acts admitted to do so and the judge ordered all of these accounts as identity theft and to be removed. I have sent in that paperwork along with my police report that says the same thing over and over to this company ... yet they are still reporting all of these debts to the credit agencies.
Product: Mortgage

In XX/XX/2020, the property located at XXXX XXXX XXXX XXXX, XXXX, GA XXXX was under contract and set to close at the end of the month. With that being said the payoff had been sent and was awaiting the closing instructions from the attorney and lenders. The intended buyer was laid off due to COVID issues at her job. When this occurred it was XX/XX/XXXX. As soon as I, ( the owner ) was notified the sale would not go through I paid the mortgage for the month. Amerihome reported the payment as late. I have NEVER had a late payment or missed any payments with any company. The home went back on the market and closed in XXXX. However, this late payment ( derogatory payment ) went on my credit report and has affected my credit score. 

Please assist me with removing this erroneous error. 

The loan number is XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting an account that was paid off. The account was removed from XXXX and now a company called XXXX XXXX XXXX continues to place negative information on my report. They keep bouncing from one credit reporting agency to another. I filed a complaint a few months ago and haven't heard anything back. Equifax is reporting this on my credit where banks can see it but then it isn't showing on a credit report for me to dispute the creditor. This is shady and a clear attempt to prevent me from having this information removed from my credit. I want this item and this creditor to stop placing this information on all credit bureaus permanently. The original creditor XXXX XXXX has been paid. This collection agency is trying to make money at my expense.
Product: Credit card or prepaid card

I am a member of XXXX XXXX XXXX XXXX ( XXXX ) and have been since XXXX. I also have an XXXX Credit Card that was managed through XXXX Bank. XXXX claims to be a cooperative with all members having a stake in the company. Last summer, to begin in XXXX of XXXX, the management decided, without any input from the members, to change banks managing the credit card to Capital One. They sent out many, many notices both in paper and online about all the benefits of this change. 

They also sent a XXXX, single-spaced document using a tiny font, describing in great detail all the changes. Somehow I missed the section on Rewards Redemption, a mere 6 sentences, that would begin on XX/XX/XXXX. The change is drastic. Previously XXXX Credit Card Rewards could be received via cash or check. NO OTHER NOTICE to this effect was sent. XXXX has a XXXX rating with the XXXX XXXX XXXX and is NOT XXXX Accredited. There have been 46 complaints in the last three years and 16 in the last 12 months at the XXXX. Many of them repeat what I have stated above. Insufficient notification was given, along with deadlines clearly delineated, when a credit card holder could redeem the rewards in cash. Now the money must be spent at the store. 
I have {$380.00} in rewards and I have asked for the money. They refused. 

Initially I was told a check would be sent within the next week to 10 days. I waited. Nothing. I called again and then was told about the new policy and that nothing can be done about it. I do NOT want to spend that money in the store for items I do not need. I am an older person and can no longer use most of the merchandise in the store and the clothes are generally much too large for me. 

I have emailed the Board of Directors on XX/XX/XXXX and again on XX/XX/XXXX. I included the CEO in the second email. I have had NO response from them. Last week I contacted XXXX XXXX XXXX with my concerns. I was unable to locate a direct email to the XXXX, XXXX XXXX. 

XXXX is no longer a Coop as they claim. The salaries of the Management and the Board Members are way out of line with a company that claims, in their self-description, to serve the best interests of the members.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX Inquired on XX/XX/XXXX, XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is NOT a duplicate report and this is not filed by a 3rd party or Credit Repair Agency. In Accordance with the Fair Credit Reporting Act Convergent these accounts below has violated my rights according to 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 an account without my written instructions. 


Account Name : XXXX Account # XXXX Account Name : XXXX  XXXX Account # XXXX Account Name : XXXX  XXXX Account # XXXX Account Name : XXXX XXXX  Account # XXXX Account Name : XXXX Account # XXXX Account Name : XXXX XXXX  Account # XXXX Furthermore, please provide the following : XXXX. The Original Contract With My Signature On It XXXX. Creditor Information ( Name, Address and Phone Number Of Original Merchant ) XXXX. The Payment History and Itemized Billing Associated With Each Account XXXX. Proof Of Ownership ( Proof That The Company Trying To Collect This Debt Has Authorization To Do So ) If you can't provide these four things please delete these accounts from my credit report. Thanks
Product: Debt collection

I never received an itemized bill nor a chance of dispute letter! I am not contracting with said company.
Product: Debt collection

When I contacted LVNV Funding requesting the debt be validated pursuant to The Fair Credit Reporting Act as well as The Fair Debt Collection Practices Act, LVNV Funding refused to validate the debt.