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

On XXXX XXXX I spoke with the sales manager to get prequalified with XXXX XXXX XXXX XXXX. I am completely aware that during the financing process they submit multiple credit applications. With this fact in mind, I specifically instructed the sales manager that I ONLY WANTED TO ACQUIRE FINANCING WITH XXXX. I specifically instructed the sales manager to avoid shopping my credit around because I did not want numerous inquiries on my credit report. I am in the process of acquiring a business loan and was told to avoid that sort of activity. The sales manager did not properly communicate my authorization to only submit 1 credit application to the finance manager, which resulted in the UNAUTHORIZED SUBMISSION to several lenders. 
The General Manager of the dealership has admitted fault and apologized for the unauthorized submissions. While it does bring me solace to know their actions were not malicious, the accidental submissions has hurt my credit report and ability to acquire a business loan. I have challenged the inquiries with the credit bureaus and have been referred to challenge these directly with the lenders.
Product: Credit card or prepaid card

XXXX XXXX Credit card provided by Bank of America. 
I was charged a {$75.00} annual fee which I was not aware of until a month after it was assigned, as I had not used the card until this point. BoA had assessed an additional {$25.00} fee. I called customer service and spoke with a rep on XXXX. The rep assured me that they would remove the {$25.00} fee and the {$75.00} fee, then close the acct. Last week, I received notification that my account was past due and owed $ 75+. I called the customer service line. The first person said " no problem '' and cold transferred me to collections where the operator claimed that the {$75.00} dollar fee wasn't the annual fee but something else, and that interest charges were separate. Then tried to point to the amount due as from a purchase. I asked to speak with a supervisor. I was transferred to XXXX XXXX, Manager of Escalations with Bank of America. He was condescending and attempted to double speak his way through the conversation by correcting my word use re-branding his employees mistake by telling me that I was " misinformed. '' At no point did he deny that his employee had told me that the fee would be removed and that my account would be XXXX balanced. He told me that his employee had provided " mistaken '' information and that he was " sorry that I was misinformed. '' He stated that the annual fee was a " rule '' and could not be refunded, and that it would " destroy my credit. '' I informed him that his employee told me that the fee would be removed and the account closed. Now, BoA is insisting that I have to pay them {$78.00} ( {$75.00} XXXX ) or they will damage my credit. I informed him that this is extortion, which he shifted the blame onto me and said that the annual fee is non-refundable and the late fees have to be paid to bring the account current. I paid the fees rather than take the hit on my credit score. I monitor my score closely. It is in the high XXXX. I own a home and have purchased vehicles through financing. I am capable of meeting my financial needs and am not upset about the money. I am upset about the predatory and punitive assignment of fees, followed by extortion of further funds in order to close the acct
Product: Credit reporting or other personal consumer reports

I was shocked to discover that my credit report has been misused, with applications made in my name and companies accessing my credit report without my consent or authorization. I dont recognize these fraudulent inquiries, nor did I apply for or consent to them. I am in disbelief and deeply disturbed that my rights as a consumer have been violated in this wayit is absolutely insulting to me as a law-abiding citizen.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Report Agency has old information ( Old Addresses etc ). it is not showing a debt from XXXX as paid. 
15 USC 1692 ( A ), ( B ).

I am disputing the presentment because of violations against Federal and State Laws.

HJR 192 UCC 3-311 UCC 3-104 UCC 3-306 UCC 1-308 ( Without Recourse )
Product: Credit reporting or other personal consumer reports

RE : Trafficking Block Request To Whom It May Concern, I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 
XXXX. XXXX XXXX - XXXX XXXX. XXXX  - XXXX XXXX. XXXX - XXXX XXXX. XXXX XXXX XXXX XXXX XXXX - XXXX XXXX. XXXX XXXX - XXXX XXXX. XXXX XXXX XXXX A C - XXXX XXXX. XXXX XXXX - XXXX XXXX. XXXX XXXX - XXXX XXXX. XXXX XXXX - XXXX XXXX. XXXX XXXX XXXX A C - XXXX XXXX. XXXX XXXX - XXXX XXXX. XXXX XXXX XXXX XXXX XXXX - XXXX XXXX. XXXX - XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - XX/XX/XXXX Please block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attentionto thismatter.
Product: Credit card

I have paid First Progress {$3000.00} and they are refusing to refund the money I sent them for a secured credit card
Product: Credit reporting or other personal consumer reports

XXXX has failed to fulfill its legal obligations under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved ; the Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishes, accepting unreliable responses, and failing to notify consumers of dispute outcomes adequately. These failures align with my experience, where XXXX has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX 's inaction violates federal law and my rights as a consumer
Product: Debt collection

I received a letter from what I assume is a debt collector trying to collect on a XXXX account that has a negative balance, personally I ca n't even understand how a XXXX account could have a negative balance, but more importantly I do n't have a XXXX account and I want this collection to cease and it better not appear on my credit report. I am as well submitting this complaint to the XXXX Attorney General 's Office. I have attached a copy of the letter that was sent to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

if you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below. Thanks for your help with this matter.
Product: Checking or savings account

After this I believe it's best I change banks. This has been the WORST experience. I disputed TWO transactions for XXXX XXXX Recovery for surgery that was never performed and services never rendered. Initially the merchant advised they didn't do refunds, following that the transaction was disputed and they came back and advised due to the circumstances they'd issue a refund. The dispute was filed XX/XX/2022 for {$770.00} another was filed for {$250.00}. I've written in regarding both claims and provided messages from the merchant regarding them saying they saw my dispute and won't contest it so a refund will be issued. I received a call from whats supposed to be a Resolution " Advocate '' for bank of america XXXX XXXX however she's been everything but that. She called me XX/XX/2022 at XXXX I returned her call TWO minutes later and no answer. She stated i needed to respond by XX/XX/2022 because she needed more info. I called her and left a vm every single week day since. NO response, following that I checked my alternate email XXXX and I came across an email from XXXX. This email isn't linked to my BOFA account nor is it attached to the claim its XXXX. I responded the day I saw this, and this is following all the voicemails ive left. One of the disputes which is the same merchant for the same reason was refunded why they both werent doesn't make since bc it was for the same reason and the same exact merchant. Its been past the 45 days that the merchant was given to respond according to BOFA dispute. Also to be considered is that the merchant already responded XX/XX/XXXX that they weren't contesting the disputes. So why we're at XX/XX/XXXX and we still haven't resolved this is beyond me. My mortgage is late this month and the money to resolve this being held by the very bank that's charging me late fees .... this is concerning and should be illegal. I can't get XXXX to return my call and I'm not only worried about my late payment but i'm worried this will effect my credit. This is NOT okay. This is predatory and we are not living in a climate where people have " extra '' money. I've been patient I've been vocal and i've been open to provide any and everything thats needed from me. This is unacceptable. If you check their XXXX page or good the Resolution " Advocates '' you will see this is common practice. Something bigger is going on and consumers are hurting. This is NOT OKAY.
Product: Credit reporting

i have disputed this with cfpb before and need help the keep manipulating my credit report this week alone they lower XXXX point with no reason when a car loan company and total credit card tried to report my account they could not please help
Product: Credit reporting or other personal consumer reports

Subject : Illegal Re-Aging of Debt and Harmful Credit Reporting Practices by Credence Resource Management Details of the Complaint : I am filing this complaint against Credence Resource Management for violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ).

1. Illegal Re-Aging of Debt : Credence Resource Management is reporting a debt on my credit report that originally became delinquent in XXXX. However, they have updated the account with a status date of XX/XX/XXXX, which constitutes illegal re-aging. 
Under the FCRA ( XXXX XXXX. XXXX ), negative information, including collection accounts, XXXX only remain on a credit report for XXXX years from the date of first delinquency. By resetting the delinquency date, Credence Resource Management has violated federal law. 
XXXX. Harm to XXXX XXXX XXXX : This inaccurate reporting has caused a significant and unjustified drop in my XXXX XXXX, which was previously over XXXX. This drop has resulted in financial harm, including higher interest rates and potential denials of credit. 
XXXX. Violation of FDCPA : By reporting inaccurate information and misrepresenting the status of the debt, Credence Resource Management is in violation of the FDCPA ( 15 U.S.C. 1692e ), which prohibits false, deceptive, or misleading practices.

Additionally, attempting to collect or report a time-barred debt constitutes unfair or unconscionable practices under 15 U.S.C. 1692f. 

Steps I Have Taken : I have disputed this inaccurate reporting with the credit bureaus ( XXXX, XXXX, and XXXX ). Despite providing proof that the original delinquency date is XXXX, the account remains re-aged, with the most recent status update listed as XX/XX/XXXX. 
I have contacted Credence Resource Management directly, but the issue has not been resolved. 

Attachments : Copies of my credit report showing the re-aged date ( XX/XX/XXXX ). 
Documentation of the original delinquency date ( XXXX ) from prior credit reports or other sources. 
Any correspondence I have had with the credit bureaus or Credence Resource Management disputing this account.
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 of recent CFPB lawsuit highlighting significant issues with the platform.
Product: Credit card

This card has a credit limit of XXXX, which can not be increased, but for lately the transaction are going beyond the credit limit. I pay the balance off each month. The transaction amount is always less than the payment made to the account, however the more I pay towards the balance the less credit availability I have. When creditor make refunds to the account these transaction are not be credit to my available credit accurately. After disputes from certain companies has been validate, CapitalOne allows future transactions from fraudulent accounts to continue. Instead of CapitalOne issuing a credit to the account, it is creating a New Balance, making false outstanding balances. Thereby engaging in fraudulent activity and failure to process payment accurately, and operating in unfair practices. After a lengthy review, it appears this activity begun back in XX/XX/.
Product: Money transfer, virtual currency, or money service

On Monday XX/XX/2023, I received a text message from what looked like XXXX XXXX XXXXXXXX saying that someone attempted to XXXX through the zelle app from our bank account. Because I responded to the scammers unknowingly, they were able to transfer at least {$1500.00} out of our checking and savings accounts. I spoke with the scammers unknowingly and then I called XXXX XXXX XXXXXXXX. I was told by XXXX XXXX XXXXXXXX that zelle is a third party entity and they can't guarantee me my money back. They said zelle has up to 45 days to look into the matter. It has been 6 days now and we haven't heard from anyone.
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 : DEPTEDXXXX  Account Number : XXXX Account Name : DEPTEDXXXX  Account Number : XXXX Account Name : DEPTEDXXXX  Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX Account Name : DEPTEDXXXX  Account Number : XXXX Account Name : DEPTEDXXXX  Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX Account Name : DEPTEDXXXX  Account Number : XXXX Account Name : DEPTEDXXXX  Account Number : XXXX Account Name : DEPTEDXXXX  Account Number : XXXX Account Name : DEPTEDXXXX  Account Number : XXXX Account Name : DEPTEDXXXX 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 card

I want the bureau to look into these accounts that are wrongly showing me as late when I've always been on time with payments.
Product: Debt collection

Only called a few times and then reported my debt to the credit bureau after setting up payment arrangements I have never had this happen if you have arrangements to pay off they do n't report it
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  ; XXXX  and Transunion are reporting incorrect language on the XXXX  account number XXXX. This account is being reported as a Balloon Payment account with a balance amount due of {$20000.00}. The original amount financed was {$26000.00}. The loan terms are to make 179 consecutive payments of {$170.00} of which I have made 167 consecutive payments of {$170.00}. The total amount I have paid to date is {$29000.00}. The interest rate that I was being charged was 7.030 %. This loan has since been paid and there is no balloon payment due. I have contacted H.U.D. in the State of Illinois regarding this loan agreement and I was told that this loan was not only a predatory loan but the fact that the Balloon Payment terms were never property explained to me is a direct violation of fair lending practices. I was victim of this predatory lending practice. The language currently being used on my credit report states this account has a Balloon Payment which is incorrect and my credit report is also showing an incorrect amount past due. This false reporting is seriously harming my credit score and this line item needs to be completely removed from my credit report. I have contacted the ( 3 ) bureaus to remove this however I have not been successful.
Product: Debt collection

I have been back and forth with this company, XXXX, XXXX They have agreed to delete and then every other month they add this debt in the amount of {$520.00}, not owed by me back on my credit report. I do not owe XXXX XXXX XXXX XXXXe nor have I ever set up any service with them. This is messing up my credit report and I do not appreciate this period.
Product: Credit reporting, credit repair services, or other personal consumer reports

Consumer Notice to PHYSICALLY CHECK for complete and CERTIFIED COMPLIANCE of reporting ensuring that any and all claims of delinquency, derogatoriness, and or inquiry are factually proven fully TRUE, CORRECT, COMPLETE, TIMELY, and or elsewise VALID as reported and additionally as mandatory ensure that any injurious claim is PERFECT and COMPLETE in its CERTIFIED METRO 2 FORMAT REPORTING COMPLIANCE! Compliant reporting of ONLY TRUE ACCURATE COMPLETE VERIFIABLY VALID and CERTIFIED as such is a MINIMAL REQUISITE of lawful reporting NOT AN OPTIONAL ONE! I as well use this notice to contest ignorant or elsewise deficient allegations regardless of reason of dereliction. My notice here serves as my OFFICIALLY WRIT notification of my lawful consumer CHALLENGE to not yet substantiated claims as regards to REPORT-ABILITY, not a consideration of the claim ( s ) reality of collect-ability or not! 
To Whom it Concerns, I would like to forge forward with a righted disputation challenging what likely is an inaccurate, untrue, incomplete, untimely, not compliant, and or possibly not even of my ownership of responsibility allegation of a derogatory item that I see you currently have on my credit report, possibly causing violating infringements and injury to my credibility. While studying my report I have come across a number of mistakes and inaccuracies that you are reporting. Please review and eradicate any and all of these following unproven true, correct, complete, timely, mine, my responsibility, FCRA compliant, Metro 2 Format compliant, or else wise compliant to every single one even each any and all of the regulations, applicable laws, and or applicable standards of reporting of which you are undoubtedly mandated in your reporting obligation ( s ) to obey without default or deficiency of any sort. The following challenged information is among such allegations of which each and one all require immediate deletion or REMOVAL FROM REPORTING otherwise. I DEMAND rightfully that you do so today, even now and here! Below listed is the currently reported not yet proven valid nor demonstrated as being certifiably compliant reported allegation ( s ) of information that I mark as being in question : XXXX  XXXX XX/XX/2013 The alleged delinquent and or derogatory claim ( s ) of information above listed is deficient the mandatory demonstration of current certifiable compliant reporting of only physically verified factually true, correct, timely, adequately complete, and or ELSEWISE undoubtedly validated claims. Delete today, even right now to return to and or retain ethical and lawful reporting and standards of consumer credit reporting practices. 

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

On XX/XX/17.. I did not authorize this inquiry
Product: Mortgage

I applied for a reverse mortgage at the urging of a loan officer and was refused the loan. I told her that I had a recent appraisal and that I did n't think I had the value needed. She looked at something in her office and assured me that she saw like homes with a much higher value in my neighborhood. I paid for the appraisal and consumer counseling at a sacrifice, to be told that my initial thoughts were correct. She told me what the appraisal was, it was more than I thought but still much to low to get the loan. I requested that she send me the appraisal and she never did.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$4000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT -- 1. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$4000.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive been trying to dispute these accounts in many times on my report but my dispute has been ignored. I am requesting that you look into this matter and update the information as required to do so under the FCRA. If you do not comply with the terms of the FCRA I will have no choice but consider the possibility of litigation. 
XXXX XXXX XXXX Balance : {$510.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$1900.00}, XXXX XXXX Balance : {$3900.00}, XXXX XXXX Balance : {$5200.00}, XXXX XXXX Balance : {$3500.00}, XXXX XXXX Balance : {$3900.00}, XXXX XXXX Balance : {$650.00}, XXXX XXXX Balance : {$0.00}, XXXXXXXX XXXX XXXX Balance : {$0.00}