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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts were charged off on the following date : XX/XX/year>. Since then the date of last activity has been inconsistently updated. There should be no updated activity after a chargeoff is stated. It is my understanding that once an account is charged off there is no activity to be reported after. There can not me multiple months of charge offs. I am requesting that this account be updated or deleted from my report. I would say that qualifies as " poisoning '' a credit report, which is not a legal practice and could mean a potential violation of the FCRA.
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 has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns about 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 claims adequately. They informed me that recovering lost funds was impossible and tracking these transactions was infeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeated offenders to exploit the system, leaving users vulnerable to fraud. This lack of accountability and transparency is unacceptable and raises serious concerns about consumers safety
Product: Credit card or prepaid card

I have a Fidelity Visa credit card, which is provided through Elan Financial Services. This complaint is directed at Elan. 

During the months of XXXX and XXXX my automatic payments did not correctly process. 

Problem # 1 : I was not notified of this in any way and my credit score was impacted due to high percentage of available credit that was unpaid ( perfect history before this ). 

Problem # 2 : the reason the payment did not process was a NFS, however my account had ~7x the required funds for the two month 's worth of payments. In talking with Elan and Fidelity in a 3-way call, the Elan representative confirmed it was a technical issue on the Elan side and that it would be fixed. I asked for but received no remediation options for the impact to my credit score. 

XXXX # XXXX : during this process automatic payments were cancelled on my account, without my notification, which has resulted in XXXX and XXXX payments being unpaid, which had again impacted my credit score.

Problem # 4 : again, neither Elan or Fidelity notified me of missed payment in any way.
Product: Debt collection

This debt collector put a fraudulent debt on my credit file with XXXX that I have no knowledge of or been notified of this debt. I was a victim of identity theft during the XXXX data breach and would like this debt removed or the company providing documentation to prove that this is my debt under the FCRA section 604 where they didnt notify me of this debt before placing on my credit file.
Product: Credit card

I'm always making payments on my American Express Blue XXXX card to keep it current and to the balance down, Since I had the card I have paid it off many times. Lately, I have received emails informing me that my future transactions will be declined unless you make a payment. Because I always make payments, I feel that these are harassing emails which need to stop, I have already spoken with a representative at American Express concerning this issue and the emails continue.

Here are some of the emails I received : 1.A recent transaction has been approved American Express Logo XXXX XXXX XXXX Account ending : XXXX Card Art Alternate Text Future Transactions May Be Declined We recently approved a transaction, but based on your recent spending, you may reach your credit limit soon. 
Merchant : XXXX XXXX Transaction Amount : {$41.00} You may be able to avoid future declines by making a payment to reduce your balance.

Make a payment If you recently made a payment, we may still be processing the payment. 
2.Alternate Text Future Transactions May Be Declined We recently approved a transaction close to your credit limit. 
Merchant : XXXX XXXX  Transaction Amount : {$5.00} You may be able to avoid future declines by making a payment to reduce your balance.

Make a payment If you recently made a payment, we may still be processing the payment. 

*These are just XXXX out of the several similar messages I've been receiving. 

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

Equifax refuses to follow the law and investigate my disputes. They do not even respond within 30 days, they don't respond at all.
Product: Credit reporting or other personal consumer reports

Subject : Formal Complaint Against XXXX XXXX XXXX for FCRA Violations Dear Sir/Madam, I am writing to formally lodge a complaint against XXXX XXXX XXXX XXXX XXXX XXXX '' XXXX for serious violations of the Fair Credit Reporting Act ( FCRA ) and other pertinent banking laws. The actions taken by XXXX have caused significant damage to my credit rating and have hindered my ability to obtain credit. 

Background : Account Closure Without Sufficient Proof : XXXX XXXX XXXX closed my credit card account, citing " reasons to believe your account is in danger of or is being used for fraud. '' However, they failed to provide any proof of my involvement in fraudulent activity. This unsubstantiated accusation is defamatory and damaging to my reputation. 
Denied Access to Online Account : Subsequent to the account closure, I was denied access to my online account, thereby preventing me from reviewing my account history or transactions. 
XXXX XXXX to Credit Bureaus : XXXX XXXX XXXX reported late payments to the three major credit reporting bureaus, which is inaccurate and has negatively impacted my credit rating. 
Violations of the FCRA and Other Banking Laws : Failure to Provide Notice of Adverse Action : FCRA Violation : Under the FCRA, specifically 15 U.S.C. 1681m, creditors are required to provide notice to consumers when an adverse action is taken. XXXX 's failure to notify me of the account closure constitutes a violation of this provision. 
XXXX XXXX XXXX XXXX XXXX : FCRA Violation : According to 15 U.S.C. 1681s-2 ( a ), furnishers of credit information are required to report accurate information. XXXX 's reporting of late payments, which are incorrect, is a clear violation of this requirement. 
Failure to Allow Access to Account Information : Regulation XXXX Violation : Under the Electronic Fund Transfer Act ( XXXX ) and its implementing Regulation XXXX, financial institutions are required to provide consumers with access to their account information. Denying access to my online account is a violation of these regulations. 
Defamation and Dissemination of False Information : Civil Liability : The baseless accusation of fraud and the potential sharing of this misleading and inaccurate information can constitute defamation. XXXX XXXX be civilly responsible and culpable for the damage caused to my reputation and financial standing.
Product: Credit reporting or other personal consumer reports

XXXXXXXX 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 Subject : Dispute of Account [ XXXX ] Dear XXXX XXXX XXXX I am writing to formally dispute the debt associated with the account number XXXX, which your organization has reported as a collection account on my credit report dated XX/XX/year>. I challenge the validity of this debt and assert that I do not recognize this account as mine. 

XXXX XXXX XXXX XXXX XXXX XXXX  - **Creditor** : XXXX XXXX **Balance** : {$260.00} - **Date Opened** : XX/XX/year> The reasons for my dispute are as follows : 1. **Lack of Verification** : I request that you provide me with verification that this debt is indeed mine. As per the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request evidence of the debt and your legal right to collect it. Please provide any documentation that establishes my liability for this debt. 

2. **No Service Contract** : I do not have any service account with XXXX or any contract with XXXX XXXX XXXX. Therefore, I challenge the legitimacy of this account being attributed to me. Please provide evidence of any agreement or contract that would substantiate this claim.

3. **Inaccurate Reporting** : The information reported in my credit report appears to be erroneous, and I believe there may have been a mistake in the attribution of this account. The Fair Credit Reporting Act ( FCRA ) requires that all information reported to credit bureaus is accurate. If you can not substantiate this indebtedness, I request that you promptly notify the credit bureaus to remove this negative entry from my credit report.

# # # Request for Action : In accordance with the FCRA and FDCPA, I expect your timely response to my dispute. Please provide the following : - Verification of the debt, including a detailed account statement.

- Any documentation related to the original creditor and the original account.

- Confirmation that you are licensed to collect debt in my state.

I appreciate your prompt attention to this matter. Please send your response to my address listed above, no later than 30 days from the date of this letter.

Thank you for your cooperation.

Sincerely,
Product: Student loan

My navient student loan payment is due the XXXX of each month, on auto-pay. On XX/XX/XXXX, I received my monthly statement that my payment due XXXX was {$180.00}. Previously, my payment was {$180.00} and I was curious of the change, since I am fully paid off XX/XX/XXXX. Thankfully, I logged into my account on XX/XX/XXXX to examine the change. Online, it stated my payment due was {$190.00}, I believe. I spoke with navient earlier and asked them to discontinue auto pay. I was never notified that my payment increased. This is not the first time they have increased my payment without informing me.

While online, I noticed my outstanding balance with them is only {$430.00}. Yet, they are telling my I have five remaining payments of somewhere between {$180.00} and {$190.00}, I never asked for conformation on that. When I asked why I was paying so much more than my outstanding balance, the customer service agent told me because I had always paid on time ( just shy of the 10 year repayment ) and never modified my loans in any way, the system had not recalculated my payments correctly. However, there is new " schedule begin date '' of payments that starts XXXX. 

Navient previously increased my payment on XX/XX/XXXX. When I called to inquire then, I was informed that to be paid off within my 10 year time frame, my payment needed to increase. Clearly, my payment did not need to increase then. When I asked the representative today what the solution was so I did not overpay, she told me I could just pay the {$190.00} and I would be paid off earlier. As excited as I am to have my loans paid off, my budget is tight right now, and I would rather not pay more than I planned on such short notice. However, I will probably just payoff 2 of my 5 small loans, and make minimum payment on the other three. This amount is actually about the same as my payment.
Product: Mortgage

Mortgage changed hands several times XXXX XXXX XXXX to Greentree and now Ditech. Received final discharge of chapter XXXX bankruptcy in XXXX 2016. Received notification from identity monitoring that Ditech reported XXXX 2016 payment delinquent. It was paid XXXX XXXX. Ca n't reach customer service representative since then. Hold times over 45 minutes then call disconnected or goes to original menu. Emailed customer service and received confirmation of receipt. Told I would be contacted by mail. Can not access account payments online. Information disappeared and it prompts you to call bankruptcy department back to same phone tree which is now answered by XXXX XXXX XXXX XXXX. I 'm aware the parent company known as XXXX XXXX was sued for XXXX for deceptive practices while doing business as Greentree. Seems like same sort of issue persists under Ditech name. Hundreds of recent complaints from many people like me trapped by these scam artists.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed the XXXX XXXX XXXX collection with Experian. Within 5 days it was closed and reported as valid. I have since tried to dispute the collection and even upload supporting documents and their website and I am unable to as it states I have already disputed it & the upload site closed without allowing me to upload anything. 

The collection was not investigated and the collection agency has not been able to verify the account or balance. Additionally, the collection agency NEVER made contact with me to provide me the opportunity to dispute the collection before it was added to my credit report.
Product: Debt collection

On February 14, 2024, I mailed a dispute letter to Aldous and Associates via USPS certified mail ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ), requesting an investigation into inaccurate items on my credit report. The account in question is reporting inaccurately and with incomplete information. Specifically, I requested that Aldous and Associates provide the following information : Date of Delinquency : In accordance with the FCRA, I am requesting information on the date of delinquency associated with this account. Specifically, I seek clarification on the date of delinquency provided by the original creditor. Please furnish the accurate date of delinquency as per the records from the original creditor. This information is crucial for a comprehensive understanding of the account history. 

Full Payment Status : If the debt associated with this account has been fully paid, I request detailed information on how this circumstance affects the reporting of this account to Credit Reporting Agencies ( CRAs ). Please provide a clear explanation of the current status of the account in light of the full payment, including specifying the reporting status, duration, and any other relevant details to ensure accurate and compliant reporting. 

Proof from Original Creditor : I am also requesting that you obtain and furnish me with the proof from the original creditor that substantiates the date of delinquency. This may include but is not limited to billing statements, correspondence, or any other relevant documents that establish the original date of delinquency. 

Despite my clear and thorough request, I have not received any response from Aldous and Associates. According to the Fair Credit Reporting Act ( FCRA ), if the completeness or accuracy of any item of information in a consumer 's file at a creditor is disputed by the consumer, the creditor must conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. 

It appears that Aldous and Associates have violated my consumer rights by not conducting a reasonable investigation upon receipt of my dispute. This lack of response and investigation is a direct violation of the FCRA, which mandates that creditors must ensure the accuracy and completeness of information in consumer credit reports.
Product: Checking or savings account

On XX/XX/year> I wrote a {$1000.00} check to attorney XXXX XXXX for legal fees. On XX/XX/year> I was searching for a loan, I received a call from a company pretending to be XXXX XXXX. I was told I was approved for the loan however in order to get the loan I needed to insure the loan and enroll in a credit repair program due to my low credit score. I was told they would transfer the funds to my bank account to cover these fees however I needed to purchase One debit cards from XXXX and load the funds to the card and provided them with the card information. By the next morning I realize I was scammed I called the bank and informed them I had been scammed they informed me the scammers called in and canceled the {$1000.00} check, the bank re-issued the funds back to my account within minutes of the scammers call, I had assumed XXXX XXXX had deposited the funds to cover the insurance and credit repair program but that's not what happened, they phone in and canceled the check pretending to be me. Now Wells Fargo bank won't reimburse me. On XX/XX/year> Wells Fargo took my funds in the amount of {$500.00} to cover the fraudulent mobile deposits they were fictitious check. I was also told I am responsible for the fraud and there will be no refund and if they charge the funds back to XXXX XXXX I will be responsible for the {$1000.00} and they will take the funds from my account. I feel the bank should have verified I had canceled the check before reversing the fund as I have never canceled a check since I've had the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've recently been in contact with the credit bureaus over the past couple of months due to accounts appearing on my credit report that I never opened or received any goods or services on behalf of. Even though this has been a ongoing dispute I've noticed yet another clear violation of the Fair Debt Collection Practice Act being permitted by I C System whom has violated section 1692e 8 ( Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed ) I C Systems has failed to mark this debt or account has disputed which is automatic grounds for removal of this account from credit report. I will included supporting documentation along with this claim.
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
Product: Debt collection

XXXX said my bill was paid in full. XXXX XXXX was the TV service I had. I returned the device as instructed when I canceled services. I called a few weeks later to confirm that the device had been returned and the charges were to be removed. The credit collector I.C. SYSTEM, INC calls, texts, etc to continually ask for money that is not due. This charge was cleared at XXXX a few weeks ago and once again " flagged '' by I.C. SYSTEM, INC on XX/XX/XXXX. I also came to this site in XXXX for the same issues. Please advise, Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

My information was leaked due to negligent care taken to protect sensitive customer records. As a result I have had at least one fraudulent account opened in my name and now need to check constantly for additional cases of fraud. Equifax failed their duty to customers and this case of gross negligence is absolutely unacceptable for a company of their size and stature.
Product: Debt collection

I set up XXXX  with Citibank N.A. regarding my account that was closed without my consent or explanation. I was not behind on payments and had just opened the account in XXXX of XXXX and by XXXX of XXXX I was notified via my app that my account was closed. I submitted a XXXX and because of my actions which were valid they closed my account. The balance was then placed on my credit after I filed for XXXX. I also received a letter from XXXX XXXX XXXX at XXXX XXXX XXXX XXXXXXXX, XXXX  XXXX phone number XXXX stating they are handling the debt collection for Citibank. To which I responded on XX/XX/XXXX requesting the debt be validated properly per Fair Debt collection practices act, 15 USC 1692g Sec. 809 ( 8 ) FDCPA. Including a breakdown of fees, cease credit reporting, requested license to prove they are licensed to practice debt collection in the state of XXXX and a request to prove the agreement was assigned back to the original creditor after it was assigned to the secure trust.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX I XXXX XXXX XXXX SSN # XXXX recently reviewed my credit report and I found unauthorized account on records etc., 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. These are account I want DELETED AN ARE UNAUTHORIZED Has no permissible use and are not accounts that I have had relationships with an are reporting on my credit file without my consent.. 
XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX XXXX inquiry XX/XX/2021 are all unauthorized an have no Permissible use.

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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if- ( i ) the person, has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on please validate an delete at once