23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

On XX/XX/XXXX I made a {$1000.00} payment via XXXX ( What Bank of America offers its customers to conduct P2P transfers ) for the purchase of a pinball machine found on XXXX XXXX. The payment was made to a XXXX XXXX XXXX in XXXX. MO. Funds were sent to XXXX 's alleged wife, XXXX XXXX XXXX via email - XXXX.On XXXX I sent the remaining balance of {$3500.00} to XXXX using the same payment format ( These funds were sent from one of my other Bank of America accounts ) . XXXX confirmed he was preparing the pinball machine for shipment and advised he was using a freight company called XXXX XXXX XXXX, which is a legit shipping company. XXXX also provided his phone number in case I had any additional issues or questions ( XXXX ). XXXX confirmed the machine was picked up on XXXX/XXXX/XXXX and would be delivered to my residence on XX/XX/XXXX. On XX/XX/XXXX I requested the bill of laden for the shipping company from XXXX. XXXX stated he would send it to me asap. No bill of laden was ever sent. After no word from the shipping company on XX/XX/XXXX, I called them. The representative I spoke with didn't have any record of a XXXX XXXX scheduling a pick up, nor were there any deliveries scheduled for my address. I immediately attempted to text and call XXXX. Come to find out the phone number was a computer generated number and it appears XXXX had hacked another XXXX account. I have since been blocked from that XXXX XXXX. To this day I have not received a pinball machine or refund from XXXX. Bank of America took my compliant however denied my claim of {$4500.00}. I have been a loyal customer of Bank of America for over 20 years. I have also filed fraud claims in the past where they have provided provisional credit for claims I had authorized. Although the monetary amounts were much smaller, I feel that Bank of America is refusing to help due to the significant dollar amount involved in this fraud. " World Class Customer Service '' they claim. Not so much. Extremely disappointed.
Product: Checking or savings account

Website is broken for a few months on and off I have requested US Bank to fix it multiple times with no avail. 

US Bank footballs me however they do nothing to repair their site. 

I am unable to even log in and I need an access to my financials and I need to fulfill my financial obligations otherwise I am to pay the fees.
Product: Debt collection

{$1800.00} settled and paid for lesser amount back in XX/XX/XXXX it is now XXXX XXXX please have it removed Ive called the company already about this and they said it should be off by now but they have done nothing to Help speed up the process.
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 Accounts #, XXXX dated XXXX dated XXXX dated XX/XX/2018, 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 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 or other personal consumer reports

I am writing to formally dispute the inaccurate information reported by XXXX on my credit reports with XXXX, XXXX, and TransUnion. The discrepancies across these reports are clear violations of the Fair Credit Reporting Act ( FCRA ) and have resulted in significant harm to my credit profile. Furthermore, my account was sent to collections without my consent, which I believe to be a violation of my right to privacy. I request the immediate removal of this account from all credit bureaus and a thorough investigation into these issues. 

Inaccuracies Identified XXXX. Date Opened : XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX TransUnion : XX/XX/XXXX XXXX Credit Limit XXXX XXXX : {$1100.00} XXXX XXXX {$0.00} TransUnion XXXX {$1100.00} XXXX. Date Last Active : XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX TransUnion : XX/XX/XXXX XXXX. Date of Last Payment : XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX TransUnion : XX/XX/XXXX Violations and Impact The above discrepancies demonstrate a failure to provide accurate and consistent information, leading to a misrepresentation of my financial behavior. Moreover, the account being sent to collections without my consent constitutes a breach of my privacy rights and further exacerbates the damage to my creditworthiness. 

Applicable Laws and Regulations 1. 15 USC 1681e ( b ) - Accuracy of Report : Consumer reporting agencies must follow reasonable procedures to ensure maximum possible accuracy of the information concerning the individual. The discrepancies in reporting dates, credit limits, and payment details violate this provision.

2. 15 USC 1681i ( a ) ( 1 ) ( A ) - Reinvestigation of Disputed Information : Requires that upon notification of a dispute, consumer reporting agencies must conduct a reasonable reinvestigation to determine whether the disputed information is accurate.

3. 15 USC 1681i ( a ) ( 5 ) - Treatment of Inaccurate or Unverifiable Information : Mandates that if disputed information is found to be inaccurate or unverifiable, it must be promptly deleted or modified.

4. 15 USC 1681s-2 ( a ) ( 1 ) ( A ) - Responsibilities of Furnishers of Information : Furnishers must not provide inaccurate information to a consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate.

5. 15 USC 1681s-2 ( b ) - Duties of Furnishers of Information Upon Notice of Dispute : Requires furnishers to investigate, review all relevant information, and report the results to the consumer reporting agencies.

6. ***************Right to Privacy : *********** Sending an account to collections without the account holders consent or notification can constitute a violation of privacy. This action implies the disclosure of sensitive information to a third party without proper authorization.
Product: Vehicle loan or lease

On XXXX  WestLake accepted cash of {$8000.00} on a credit transaction. According to the " Truth In Lending Act '' this is Illegal.
Product: Debt collection

I reached out to XXXX XXXX XXXX about an apartment that was placed on my credit report in XXXX. I advised that I had moved from the apartment in XXXX and the manager at the time allowed a sublease to my brother. The lease expired in XXXX, and my brother left a balance according to XXXX XXXX Apartments. I reached out to XXXX XXXX after receiving notification of the balance and informed the manager that my brother was disputing the balance stating that he had paid the balance. I advised the credit reporting company that the manager stated that they would look into the balance and let me know if anything is owed. At that time in early XXXX, I updated XXXX XXXX with my mailing address and a new email address due to receiving tons of spam on my other email. I hadn't heard from XXXX XXXX since. XXXX XXXX never placed the balance on my credit and didn't update me about the investigation on the balance. I filed bankruptcy in XXXX, and my attorney filed and notified all parties who were listed on my credit report at the time and all who I had a bill from. At no time had I received any other bill from XXXX XXXX, and they had not reported to my credit report with any balances due. In XXXX, I noticed that a new creditor had reported to my credit report. I then notified XXXX XXXX XXXX about the bankruptcy, and they refused to remove the balance saying that they didn't see their company listed. I asked when they received the balance from XXXX XXXX, and they stated in XXXX. I explained that XXXX XXXX had not notified me properly of any balance due at the time and neither did the collections company. I advised that per bankruptcy law, they have to diligently attempt to collect from me prior to my chapter XXXX bankruptcy and they had not. I advised that the balance was disputed, and I was told that I would receive an update that I never received. I explained that a chapter XXXX bankruptcy had been filed in XXXX and discharged in XXXX absolving me of all of my prior debts. I also disputed with the credit bureaus. The credit bureaus are saying that I must reach out to the creditor to remove the debt and when I spoke with the creditor, I was hung up on by XXXX XXXX and XXXX XXXX was decently helpful but also said that she will investigate my claims and call me back after our second conversation and she had not. I asked for proof of notification of the debt and all I received was a ledger of the balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

MY MOTHER XXXX XXXX XXXX XXXX WAS ATTACKED AT THE AGE OF XXXX. LIED TO ABOUT XX/XX/XXXX RESIDENCE.
SHE WAS XXXX  ON HER XXXX  BIRTHDAY. 
WHY HER FULL NAME THATS OF HER DEATH CERTIFICATE APPEARS ON MY EDD DEBIT CARD IS A HAINOUS ACT. MY SON XXXX XXXX XXXX XXXX THEN FOLLOWING WAS XXXX. I HAVE A SON AND A NEPHEW THE HOLDING IN A XXXX IN XXXX XXXX. XXXX XXXX XXXX AND SON XXXX XXXX XXXX XXXX XXXX HOSPITAL OR A XXXX XXXX.
I WAS ATTEMPTING TO GET A ROUTING NUMBER AND ACCOUNT NUMBER AND LOGGED INTO www.bankofamerica.com/
eddcard.
My AWARD CLAIM WAS SENT BYERROR IN THE CLAIM IT PACKET AND OVER THE PHONE INTERVIEW. I HAD TO TRACK THIS INFORMATION TO A ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX  CALIFORNIA 
THAT HAD BEEN A XXXX  SPOT AND KNOWN XXXX.
I EVACUATED THAT RESIDENT ON XX/XX/XXXX FROM XX/XX/XXXX.
IT HAD A NUMBER I HAD KNOW USE OF SINCE XX/XX/XXXX XXXX/XXXX   XXXX. THE AWARD LETTER I HOLD NOW XX/XX/XXXX.
IT NOW IS AT A EDD APPEAL.  MAILED XX/XX/XXXX I RECEIVED XX/XX/XXXX. A 27 PAGE APPEAL WAS FAXED ON THE XX/XX/XXXX.
Product: Student loan

I am under a public service loan forgiveness program through Mohela. I was notified in XXXX that I was being placed under a forbearance and that the months on forbearance would not count towards my loan forgiveness. I did not request this forbearance. After reaching out to Mohela and the CFPB, I was notified by Mohela that the months spent on this forbearance would count towards my loan forgiveness. I recently requested a payment count update from Mohela and the months of XXXX and XX/XX/year> are being counted as ineligible for my loan forgiveness count when they should be counted as eligible. I contacted Mohela and they were unable to give me a timeframe for when these months would be added to my count as eligible or why they were not being counted correctly. I would like these months to be counted correctly towards my loan forgiveness.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation. 

These are the accounts that I've marked as inaccurate or fraudulent : XXXX. XXXX XXXX
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 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 the transactions was unfeasible. The CFPB findings indicate that Zelle has not only neglected to protect customers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety
Product: Debt collection

Despite previous attempts to rectify the situation, the inaccurate information continues to reflect, indicating a lack of investigation and resolution. It is frustrating that these inaccurate reporting were severely damaging my financial standing and creditworthiness. I wonder what investigation you are doing that these inaccurate late payments keep on tarnishing my credit report. 
I want these accounts to be updated accurately : DISCOVER BANK XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 

It is disheartening to see that despite my previous attempts to escalate and rectify this issue, there has been no visible effort to address the ongoing inaccuracies. I am sure you can appreciate the impact such inaccuracies can have on my creditworthiness and financial standing.
Product: Credit reporting or other personal consumer reports

Experian is reporting an unverifiable item on my credit report ( see attached experian report ) and they verified this item as a paid settlement when I sent a dispute however this information can not be true because XXXX has verified that it has a balance ( see attached XXXX investigation result ). Additionally, I have never paid XXXX XXXX [ account # XXXX ] so how is Experian " verifying '' this information? Pursuant to 15 U.S. Code 1681i ( a ) ( 5 ) ( A ) ( i ) I demand that Experian deletes this item from my credit report as they have reasonable cause to believe that it is inaccurate and unverifiable.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account was recently owned by another company and i had it removed from my report, so the original creditor had to sell it to another company and the have now also added it to my report without my permission. This was my original complaint to the last company that responded and deleted : YOUR COMPLAINT Submitted to the CFPB on XX/XX/2022 In accordance with the Fair Credit Reporting act CREDIT XXXX ( Original creditor XXXX XXXX ) Account # 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. 

And this is the last companies response : Company 's Response Company responded on XX/XX/2022 Thank you for submitting your complaint through the CFPB Complaint Portal. In your complaint, you indicated that there were inaccurate items reporting on your credit file. XXXX has completed its investigation, including contacting the furnisher of the information, where applicable. A summary of the results are listed below : Collections Collection CREDIT XXXX XXXX XXXX XXXX THIS ITEM HAS BEEN DELETED FROM THE CREDIT FILE. We hope this resolves your concerns and, if applicable, a copy of the dispute results has been mailed to you. If you have any additional questions, you XXXX call XXXX ( XXXX ) or you may visit XXXX With myEquifax, you can create an account to manage your security freeze, add or remove fraud alerts, and initiate credit file disputes. Additionally you can access free XXXX credit reports and other products. You may also obtain a free copy of your credit report on annualcreditreport.com. 

So therfore : In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX # XXXX Original creditor : 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 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

CARMAX AUTO FINANCED WAS PAID OFF A FEW YEARS AGO DUE TO A INSURANCE CLAIM ( JOINT ACCOUNT )
Product: Debt collection

Nelnet student loan servicer and XXXX XXXX credit report agency it says I still am in debt was wrong datess And also when I called Nelnet and Nelnet said that they reported to Credit agencies that all of the loans should be deleted and no longer owed but forgiven, and theyre taking their time uploading it and changing it in their system.
Product: Credit reporting or other personal consumer reports

I checked my credit report before I went to bed but noticed that there are some inaccurate accounts showing up on my credit report. I have no knowledge about these and I want it removed.
Product: Credit reporting or other personal consumer reports

My account with XXXX was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). 

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

theres several issues with carmax reporting on my defective ford fusion loaned upside down XXXX kbb according to three banks- XXXX , XXXX , and one other. I asked XXXX in person, XXXX XXXX location. XXXX  XXXX service center refused to fix my car 3x. carmax left me no choice but for them to repo it in 16 ( SIXTEEN ) - not 19 ( NINETEEN ), as its being reported. no company complies with the law, lemon lawyers unable to aide me. I did ask.

Continues thru experian to extort and reage debts, now beyond statute- will not update reports released to lenders, etc of which I do business with. REPORTING INACCURACE SLANDEROUS INFORMATION THAT I AM A SERIOUS DELINQUENT and NOT CREDIT WORTHY. This has affected new accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX credit cards have been paid off and personal loan, excellent payment history. Oldest account is XXXX credit established 2013. XXXX in XXXX. Upgrade XXXXXXXX XXXX paid off, as well. Score didn't increase as with other XXXX agencies. Usage below 1 %. Please correct paid account and revise score for XXXX. 
TransUnion and XXXX both have XXXX hard inquiries more than XXXX yrs old. Should only be XXXX hard inquiry.
Product: Debt collection

On XX/XX/2017 my vehicle was stolen.
On XXXX XXXX, 2017 I received a notice from XXXX XXXX XXXX XXXX stating that I have a collection notice for unpaid photo enforcement citation. This notice stated I had a photo situation taken on XX/XX/2017 after my vehicle was stolen. I NEVER received any correspondence stating I had a photo enforcement situation.
The only correspondence I received was from XXXX XXXX XXXX XXXX. I called the photo enforcement for District of Columbia and they told me it was nothing I could do since the ticket was so old. I tried reaching out to XXXX XXXX XXXX and they stated there was nothing they could do I needed to contact the District of Columbia.
Product: Credit card or prepaid card

I opened a credit card line with XXXX XXXX at the time of my employment. Which was about a year or so ago. Ive been unemployed for the same amount of time. After being laid off from my job, I fell behind on credit card payments and was no longer able to afford the card. Over time, I received calls from XXXX XXXX, I explained to them the Hardship I was going through and that I couldnt afford to pay them a lump sum of the money. I continuously received calls from XXXX XXXX about my credit card, even after I explained to them my situation and how I couldnt make payments. Afterwards, I began to make a few payments in increments but in the end, the payments caught up causing me to fall even more behind. Im a college student and almost always never have any funds due to me having to pay for those expenses. I receive financial aid, which im thankful for, covers almost most of tuition along with other fees. Since im still unemployed at the moment, I have little to no funds to my name. Today, I had an unauthorized Adjustment made to my debit card, which removed {$240.00}. This was my financial aid return to me, which I need in order to pay for my textbooks. I spoke to a Navy Federal credit union member representative today, XX/XX/30 at about XXXX and explained the situation. They looked it over and explained that it went to a debt I owed them. Navy Federal closed my credit line and sent it to collections months ago. Which is another reason Im confused as to why they would even bother to remove the funds. I do in fact have future plans to pay the debt collection agency, and asked for NFCU to reverse the funds. Unfortunately, They werent able to resolve my problem. The call was escalated as well but still no resolution.