23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Subject : Formal Notice of Violations and Request for Remediation Dear National crsys, I am writing to bring to your immediate attention clear violations of both federal and state laws in the manner National crsys has handled my credit information. It has come to my notice that unauthorized items have been reported to my credit report without my explicit consent, constituting a serious breach of privacy and identity fraud. This action violates FCRA Section 604 ( a ) ( 3 ) ( A ) and Texas Finance Code 392.303. 

Furthermore, the unauthorized reporting is adversely affecting my creditworthiness, and I assert that even in the case of a permissible purpose, my explicit consent is a necessity, as outlined in FCRA Section 604 ( a ) ( 3 ) ( A ) and Texas Finance Code 392.303. I am formally demanding the immediate removal of this unauthorized and unverifiable item from my credit report, in clear violation of FCRA Section 611 ( a ) ( 1 ) ( A ) and Texas Finance Code 392.202. I expect this to be done within 30 days from the receipt of this complaint, as stipulated by FCRA Section 623 ( a ) ( 8 ). 

Failure to comply within the specified timeframe will be considered willful noncompliance, subject to legal consequences. Additionally, I want to make it clear that any action taken by National crsys besides deleting the collection will be considered willful non-compliance. I am invoking my rights under 15 U.S. Code 1681b ( 2 ), and I am giving clear instructions to furnish my report and delete the collection account. Failure to adhere to these instructions will result in further legal action. 

Moreover, I insist on National crsys providing a written document that proves I, as the consumer, have granted explicit permission for your agency to access my consumer profile. This failure to obtain consent is a direct violation of FCRA Section 604 ( a ) ( 3 ) ( A ). 

This correspondence serves as a formal notice of violations, and I expect prompt action to remedy these breaches of federal and state laws. Failure to address and rectify these issues will leave me with no choice but to pursue legal action to protect my rights. I anticipate your immediate attention to this matter and demand a swift resolution to ensure the accuracy and integrity of my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good Morning, I checked my credit report as I am buying a house. Fifth Third Bank has made a late payment reporting 3 times since XX/XX/2019. Per my conversation with them they did not have my correct address and at no time have sent me notification via : mail, email, phone, etc. My current credit history is perfect with all payments made on time. 
They told me that they call and mail as a courtesy but are not required too. There has been no means of contact by this company
Product: Debt collection

Nelnet has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
Product: Checking or savings account

I made an ATM deposit on XX/XX/2024 at the Bank of America branch - XXXX XXXX XXXX Massachusetts for {$1000.00}. Counted the cash twice prior to entering the back to ensure the amount was correct. I put the cash in the machine and the screen said only {$500.00} was deposited and asked if this was incorrect type in the correct amount which I did for {$1000.00}. Then it asked if I wanted to paper receipt which I got showing {$800.00}. I was shorted {$200.00}. I immediately called bank from the bank to file a claim on XX/XX/2024. Noting has been resolved 5 business days later.
Product: Mortgage

I requested my mortgage servicing company to cancel my escrow account be my mortgage payments continue to escalate over several years until now we can not afford the payments on the loan for the current year of XXXX. We submitted a request in XXXX XXXX. I was told since we have a conventional loan a written request must be faxed or mailed. I sent the request through a fax letter with the loan number. This company police holds {$700.00} in reserve fund above the total amount it disbursed for property taxes and insurance. We are now finding it hard to make new loan balance payment each month for year XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information that is being reported on my credit report. Specifically, the following items are incorrect and are negatively impacting my credit score : Account Name : XXXX XXXX XXXX Account Number : XXXX Balance : {$2600.00} Reason : This account is incorrectly reporting that I have 18 late payments. On my Experian report there are 7 late payments being reported.

Date of Last Activity : Inaccurate Closed Date : Inaccurate Account Type : Inaccurate Account Name : XXXX XXXX Account Number : XXXX Balance : {$1800.00} Reason : This account is incorrectly reporting that I have 16 late payments. On my Experian report there are 5 late payments being reported Date of Last Activity : Inaccurate Closed Date : Inaccurate Account Type : Inaccurate Account Name : XXXX XXXX XXXX Account Number : XXXX Balance : {$4900.00} Reason : I dont agree with the amount and the open date of this account. Please provide the last billing statement from the original creditor showing the amount due and the date it was due or delete this account. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Balance : {$0.00} Reason : I previously disputed this account stating : ''I dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account. ''. I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof of the negative payment status for this account, or delete the negative information in this account. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Balance : {$3300.00} Reason : I previously disputed this account with the credit bureaus and it was deleted from my XXXX report but Experian failed to perform an investigation and delete the disputed information. 

Account Name : XXXX XXXX Account Number : XXXX Balance : {$500.00} Reason : I previously disputed this account with the credit bureaus and it was deleted from my XXXX report but Experian failed to perform an investigation and delete the disputed information. Please reinvestigate these matters and delete or correct the disputed information as soon as possible. Thank you for your assistance. 

INQUIRIES XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX  XXXX on XX/XX/XXXX XXXX XXXX XXXX on XX/XX/XXXX The items on my credit report are either inaccurate or have already been resolved, and I request a thorough investigation and correction. Despite contacting both the credit reporting agency and the data furnisher, the issue remains unresolved. I have attached supporting documentation, including screenshots, to highlight the inaccuracies. I appreciate your prompt attention to this matter and request an update to my credit report. Thank you for your understanding.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi my name is XXXX XXXX. I have never done business with XXXX XXXX XXXX XXXX  neither am I liable. I do not have a signed contract nor any type of contract XXXX XXXX XXXX XXXX. I have the right to demand and see the contract between XXXX XXXX XXXX XXXX  and myself! Please send the proper validation
Product: Credit reporting or other personal consumer reports

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. However, I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
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
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. 
All Accounts related to the matter : TRANSUNION INQUIRES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. 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

XXXX  is reporting that an item from American Expre was, acct # XXXX ... XXXX has late payments as recently as XXXX of XXXX. I keep trying to have this problem resolved but on their report they simply will not change it, even though American Express verifies this account has been closed since XXXX. This is outrageous, it is damaging my report while I am trying to refinance my home, saying I have a recent missed payment on an account that has been paid and closed for six years. If they do not correct this issue after these repeated warnings, this being the last time, I will have no choice but to file suit under the fair credit act. This is costing me thousands of dollars. I know the people there are aware that I am correct and this is an error. They simply do not want to fix it. This is literal harassment. There is nobody there you can talk to. This is the last time I am doing this before my attorney gets involved.
Product: Credit card or prepaid card

I have a loan with AVANT. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both ( Bureau ) and AVANT with no successful resolution. XXXX, XXXX only reporting me late. There was definitely an error on their part.
Product: Bank account or service

My sister and I attempted to close our aging father 's professional account at Wells Fargo. My sister worked closely with the local branch and followed their directives. But, even after 6 months the bank continued to reject the paperwork presented. Anticipating our father 's further decline, we hired an estate attorney to help us close the account. Even after appointing me as an officer of my dad 's company and presenting new documentation which followed the bank 's directive, the bank again refused to move the money to my mother and to close the account. The entire time the balance of the account was depleted through bank fees from around {$1800.00} to around {$1000.00}. In the end, Wells Fargo refunded the entire original balance of around {$1800.00} plus some a " consumer satisfaction credit '' and transferred the funds to my mother 's account.
Product: Credit card or prepaid card

I received a {$200.00} prepaid U.S. Ba nk Gift card a s a gift. I never even opened the package until I first attempted to use the card in  XXXX  of   XXXX  . The package says the card valid until  XXXX , so I never thought there would be a problem. Upon trying to use the card for the first time, it was denied. My first phone call was to US Bank, they told me the card had been compromised, and they would reissue me a new card. I receive a new card with only {$11.00}. I called back, and they said now I would not have to fill out dispute paperwork for the  XXXX   XXXX   XXXX  unauthorized charge of {$180.00}, which I did submit. Then I receive a letter stating my request was denied due to the fact the suspected charge was older than 120 days. At no time did any customer service agent tell me this would have been an issue. No where on the outside of the package does I say there is a timeframe for disputes, or the fact that the card not protected if not used within so many days. Can you advise me if I have any other recourse?
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports.

I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as wilful negligence and non-compliance with federal statutes. Please provide proof that the bureau 's description belongs on my report, otherwise change to PAID immediately.
Product: Credit card or prepaid card

Attempting to use my JCPenny  credit card ; my transaction of {$190.00} was declined while having an available spending limit over {$2200.00}. The app shows my account is due for the next payment on XX/XX/2020 for {$130.00}. I paid {$100.00} today, after the card was declined. I called the customer service line and was told that the card declined because it was past due and that I would need to make a payment prior to XX/XX/2020 and wait processing times for the card to be active again. I received no notice id late payment and confirmed with the accounts manager with synchrony bank that they did not send any form of indication. The app for my account does not show or post any past due notification.
Product: Checking or savings account

I had opened a TD Bank XXXXhecking & Savings Account about a week ago. I opened it online and had to go into my local branch in person to get my debit card for the account so i can start using it. After about 2-3 days, my account was locked and so was my debit card, and was not able to perform transactions with the card. I had called TDs customer service the same day that it happened and they had told me that they had closed it, saying that it has something to do with my identity/fraud, i never got an exact reason. I went to another branch by my job two days in a row, because i still have money in that account and i was trying to figure out why my account was even closed in the first place. I found out the fraud team for TD looked over my account and decided to close it, with no exact reason as to why. I had just opened the account and barely had it for less than a week and was not given a notice about it at all. I feel like they wrongfully closed my account, and they did not send me any email or call me about it. They have not gotten back to me about the issue and if i can even get my account opened back up again, or if i cant if they are able to send me the funds that i still have in the account that i can not even access.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, I gave a formal complaint of inaccurate information on my credit report including inquiries and accounts. 30 days later to the date, I have not received any response. Under federal law, you have 30 days to complete my investigation. 


Proof of these alleged items, specifically the contract, note, or other instrument bearing my signature has not been provided to me. Failing that, the items must be deleted from the report as soon as possible. This information is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. I demand that the unauthorized inquiries and accounts be removed immediately.
Product: Credit card

Many months back my credit limit was around XXXX dollars. I only opened this card to build good credit but then found out from a financial advisor my available credit ratio was actually hurting my credit. As I was paying down the available credit, card services dropped my credit limit to around 450/500. I have been sending in monthly payments as well as double payments since then. In the statement for XX/XX/XXXX my limit was 490 and my available credit was 114. I 've submitted more payments and have not used the card since then and the statement for XX/XX/XXXX says the limit is 300 and I have 17 available. 

No matter what I do I can never have a good available credit rating because they drop my credit line every time I make payments. I will pay in full and close this account but what Synchrony Bank is doing is terrible. Their online chat agent said they 'll send me a letter in the mail to explain the reasons for continually dropping the credit line, but they were of no help. I 've contacted them several times and still have n't seen this letter they 've been telling me about since the first time they dropped my limit.
Product: Mortgage

I have a XXXX mortgage, called an Equity Flexline account. For over a year, I have been charged a monthly " Past Due '' fee of {$9.00}. I have not made a late payment during this time. Every other month I call or go in to correct the error, every monthly statement shows the fee. I have twice paid the fee separately. I have XXXX receipt showing the fee paid. I also have a statement showing the submitted request id # made to correct the issue.
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 claims adequately. They were never in contact together. They informed me that recovering lost funds impossible and that 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 scams.This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 an 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: Debt collection

In XX/XX/XXXX, I discovered that this account was being reported on my credit reports. I notified the credit bureaus that I had no knowledge of this account as it did not belong to me. The bureaus responded that this account was verified. However, upon request to provide physical proof how account was verified I have received no response as of date. Direct request to validate the debt was also mailed certified mail on XX/XX/2018, as of date the company has failed to respond to my request to validate debt and continues to report inaccurate information.
Product: Payday loan, title loan, personal loan, or advance loan

I submitted to apply my Ohio XXXX benefits to a loan. Then was told that the loan doesn't meet the requirements of the personal loan when it does apply since it is a payment contract and that Ohio law states ( 172 Ohio Law Note. Ohio prohibits a creditor from charging or collecting finance charges exceeding six per cent per annum from a person, or the spouse of a person, XXXX on XXXX XXXX. Ohio XXXXev. Code Ann. 1343.031 ( B ) ( West 2004 ) and 7.1.3. Temporal Scope of Interest Rate Reduction The 6 % interest cap on mortgages and mortgage equivalents applies during XXXX XXXX and for one year after XXXX XXXX XXXX.177 But the interest cap reduction on all non-mortgage debts and obligations is limited to the duration of active service.178, 179
Product: Credit reporting

On XX/XX/2016, I filed a 609 dispute letter with Experian via certified return receipt mail disputing the following items : XXXX Re : Acct # XXXX XXXX Re : Acct # XXXX XXXX XXXX XXXX ( XXXX ) Re : Acct # XXXX XXXX XXXX XXXX ( XXXX ) Re : Acct # XXXX I received a response dated XX/XX/2016 Re : Report # XXXX, stating that these items have been verified and will NOT be re-investigated. Despite my previous XXXX written requests, the above mentioned disputed accounts, these unverified items still remain on my Credit report with several inaccuracies between the XXXX bureaus. Experian has ignored my requests to provide me with copies of the documents that were used to verify the above mentioned items. Experian 's failure to delete these disputed accounts is evidence that they can not and did not verify any of the disputed accounts as they have stated they have, and is also evidence of their willful disregard of Federal Law. Experian has clearly parroted information provided to them by other sources and shifted the burden back to me to contact the original Creditors which is clearly a violation of Section 1681 ( a ) ( 4 ).