23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/2016, I called my mortgage company to make a payment of {$490.00}. XXXX, the lady I talked to, told me that I normally pay on line, after that, she hung up on me. I told my husband I tried to make the house payment, the lady hung up on me, I do n't if the payment was made or not ; There were no thank you, we will process your payment, it will be so may days or what. My husband and I decided to pay the bill on line. 

A few days later we found that {$490.00} was debited from my/ husband 's account ; {$500.00} was also. I called XXXX ASAP asking why this company took {$500.00} without my permission & requested REFUND! of {$500.00}. XXXX tried to talk me into letting them/company keep the {$500.00} payment because XXXX was coming and I was gon na have to make another payment anyway. I told XXXX why would I want to make two house payments and of a higher amount in which I tried to make a payment of {$490.00} with you from the beginning. After a few harsh words, she told me to go to my bank, get statement proving they took the money in question & SEND FAX ; I did as requested of me and {$500.00} was credited back to my/ husband 's account. 

The next month 's house payment bill for XX/XX/2016, had a charge of {$25.00} for ( NSF ) NON-SUFFICIENT- FUNDS I called XXXX back asking why the charge of {$25.00} for ( NSF ) in which the money was there when you took it in the first place without me/ my /husband 's consent ; that I should not have to pay {$25.00} for something you all did wrong, Then, I asked XXXX to let me talk to someone in a higher position than her. I talked to XXXX supervisor, explained the situation at hand, requested to hear the recorded tape of quality assurance to prove that, # 1, I did not give you/your company permission to go into my/ husband 's bank account to get {$500.00} and now you want to charge me for the funds not being there. 

She said she will get the tape from ( IT ) Information Technology and she will call me back. I had to call them back ( 2 wk ). Then I was told that my husband gave permission in which he did not because he was reclining in his chair in the living room as he always does. We both remember all of this like it twas yesterday. I always take extensive notes when I pay bills and just about everything I do.The supervisor told me that I can not hear the recording.She left me with the impression that they can do and tell me anything, Just pay the {$25.00} ( NSF ) and be through with it is the impression XXXX leaves me. TODAY, the amount of {$25.00} ( NSF ) is still on my bill. 

This whole complaint is about my mortgage company debiting from my/husband 's bank account without permission, wanting to charge us for their paper work for them having to return our funds back to us. They will not let me hear the quality assurance tape and telling me we gave permission to go into our bank account in which we did not. This is not fair.
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 informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate Zelle has not only neglected to protect consumers 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: Credit reporting, credit repair services, or other personal consumer reports

I applied for one personal loan and received multiple hard inquires XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Asked XXXX and Transunion to make sure everything was reporting compliantly because I seen that things were not the same across all 3 and I also seen something in collections that I never got notification about from credence. Also I never received responses with updated credit reports
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  : # XXXXXXXX XXXX XXXXXXXX : # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX Us Dept. of Educatio XXXX XXXX XXXX # XXXX 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 XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructons 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following Items or information any other adverse item of information, other than records or convictions or 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 or prepaid card

On XX/XX/XXXX I went on to American Expresses website to make my monthly payment in the amount of {$60.00}. I made the payment in thexact same way that I have always made it ( through my bank at XXXX XXXX XXXX ). As of yet ( XX/XX/XXXX ) the payment has not been credited to my account. I called AMX on XX/XX/XXXX asking about the payment. I was told that I had never made one. Yet, my bank statement on line with XXXX XXXX XXXX showed the payment being made. I called XXXX XXXX XXXX and they gave me a phone number to XXXX XXXX who is the bank for AMX. XXXX XXXX showed that the payment had been made but, it had been forwarded to a third party bank ( XXXX ) that was also connected to AMX and they gave me an ID # to give to them. I called XXXX and spoke to XXXX who I gave the payment number given to my by my bank And XXXX XXXX. She told me that my payment was there and that it would post to my account on XX/XX/XXXX. On XX/XX/XXXX, no payment showed and I again called XXXX and spoke to XXXX. She told me that it would show when it showed and got nasty. I hung up, called AMX. They took my info down but, could not promise me as to when it would be credited to my account. The payment IDXXXX and Code IDXXXX. XXXX XXXX PhoneXXXX & XXXX Phone XXXX. *I have spoken on a daily basis with AMX about this and nothing is done. BOTH XXXX XXXX AND XXXX are their banks. I made a payment of {$5.00} on XX/XX/XXXX and XX/XX/XXXX and they both posted on the day payment was made. I can provide docs from bank IF needed but dont have at this time.
Product: Debt collection

This account has been closed for XXXX  years, and I believe it no longer accurately reflects my credit history. 
I understand that closed accounts can remain on my credit report for up to 7 years, but I request that you remove this account from my credit report due to the fact that it is no longer an accurate reflection of my creditworthiness. 
A closed account should not be reporting a balance of {$730.00}
Product: Vehicle loan or lease

On XXXX XX/XX/year> I requested for my account with ally financial to be enrolled in XXXX. About a week later I received a letter in the mail stating that my account was ineligible for XXXX benefits due to military service predating the contract date. As a Louisiana resident, by law I am entitled to XXXX benefits on any debt incurred before or on XXXX XXXX service. I have multiple accounts that have enrolled me into my benefits because of this law XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested an investigation of my Consumer Report from TRANSUNION per 15 U.S. Code 1681i ( a ) - Procedure in Case of Disputed Accuracy. I am requesting the 100 % Accuracy, Completeness and Verification for the following accounts. 
- XXXX XXXX XXXXXXXX XXXX XXXXXXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Also, requseting an investigation of my Consumer Report from TRANSUNION per 15 U.S. Code 1681b- Permissible Purpose of Consumer Reports for the following inquiries that have NO purpose on my consumer report. 
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
Product: Credit reporting, credit repair services, or other personal consumer reports

I swear all information provided herein under the penalty of perjury is true and accurate to the best of my ability and knowledge. Please note that I am the only natural person writing this statement with the help of NO 3rd party. I never gave these company any written consent to report anything on my consumer report. Please see attached documentation.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX complaint XXXX. Written response from lender.. Dear Applicant : Thank you for your recent application. Your request for consumer credit was carefully considered, and we regret that we are unable to approve your application at this time, for the following reason ( s ) : Unable to verify identity Your Right to Get Your Consumer Report In evaluating your application the consumer reporting agencies listed below provided us with information that in whole or in part influenced our decision. The consumer reporting agencies played no part in our decision and are unable to supply specific reasons why we have denied credit to you. What it all boiled down to was this... .everything and I mean everything already passed underwriting! You may not get that now but that is the facts.
Product: Debt collection

I am consumer, fully insured individual, that has been harassed by XXXX and their abusive and unfair practices after extend my credit for in a consumer credit transaction for personal, family and household purposes. 

XXXX has breach their fiduciary duty and misrepresented my interested as security for the account used for phone service by several interruptions allegedly for nonpayment and harassing text messages alleging consumer owes a debt. 

I have sent dispute notices to XXXX regarding an alleged debt and XXXX has responded with generic letters as responses. XXXX sent a letter dated XX/XX/22 claiming to be entitled to report write-offs in effort to disgrace the consumer deliberate violation of consumer right of privacy in their refusal of exclusions of transactions or experiences via consumer reports furnished as defined under Fair Credit Reporting Act. 

XXXX has misrepresented the term Bureau as defined under FCRA in their letter to deceptively assume to role as credit reporting agency themselves. 

XXXX has in collusion with with Afni. Inc to represent their collection efforts. 

XXXX has been instructed cease and desist direct and indirect communication with consumer as XXXX has refused to comply with Fair Debt Collection Practices Act Verification of an alleged debt in a positive balance indicating per Fair Credit Billing Act and credit balance demanded as refund.
Product: Debt collection

I did not signup for this utility service : Account name XXXX XXXX XXXX Account number XXXX Account type Collection Responsibility Individual Date opened XX/XX/year> Status Collection account. 
Status updated XX/XX/year> Balance {$280.00} Balance updated XX/XX/year> Recent payment - Monthly payment - Original balance {$280.00} Highest balance - Terms 1 Months On record until XX/XX/scrub>XXXX XXXX XXXX
Product: Credit card or prepaid card

I received an email stating that my credit card account has been closed. I did not authorize this closure. I was not notified until after the account was closed. The company did not give me notification beforehand that the credit account was going to be closed due to in activity. This credit card has been on my credit report for 10 years. By citi cards closing the account, it with ruin my credit. I have tried to resolve this with them but they said they gave notice before hand. I have all messages in the online portal and the only notification i got regarding account closure was after the fact, when they had already closed it. attached are the only notifications i received.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : BankruptcyXXXX XXXX BankruptcyXXXX XXXXXXXX BankruptcyXXXX XXXXXXXX XXXX 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 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 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
Product: Money transfer, virtual currency, or money service

they closed my account and I had a whole check of XXXX!! I got my card still and everything I can't log in but when I call the card it says my balance still and this been like 3 years now!!
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 XXXX Account Name : CHILDSUPPORT Account XXXX Account Name : XXXX XXXX  Account XXXX has violated my rights. Or a 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 reporting, credit repair services, or other personal consumer reports

Hello, I pulled my consumer report on XX/XX/2023 and noticed a 30 day late payments and Inaccurate accounts reported. You are reporting inaccurate and invalidated information on my consumer reports Pursuant to FDCPA your company is to validate/ verify prior to placing the negative alleged late payment and inaccurate accounts on my consumer report. Furthermore, your company has violated federal law 15 usc 1681 ( b ) - permissible purpose for reporting this alleged negative late payment without my consent. Failure to furnish evidence that supports your claim I demand removal. Failure to remove XXXX will sanction legal action for remedy. 

Pursuant to 16 CFR 444.4 Unfair act of practice 15 USC 1681 ( b ) - I never gave them consent to report anything negative on your behalf Inaccurate Accounts Inaccurate personal information 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 these particular laws. 1.15 U.S. Code 1681i states I have the right to my privacy it also states a consumer reporting agency can not furnish a account without my written instructions 2. 15 U.S. Code 1681s 3. 15 U.S. Code 1681b 4. 15 U.S. code 1681 a a person shall not furnish any information relating to any consumer reporting agency if the person know or has any reason to believe the information is thus inaccurate 5. 15 USC 1692 FDCPA I ask that all accounts listed be removed IMMEDIATELY due to an injustice, I am also aware that this has to be done in a timely matter. 


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
Product: Debt collection

I recently contacted Portfolio Recovery Associates to pay off a debt I had in collections. As I began to pay off the account in full. The supervisor got on the phone and said I had another debt with this company from 2005 from XXXX Bank and I should take care of it. I reluctantly paid {$350.00} to this comapny and later after looking over my credit report realized that this account was no longer on any of the credit reports because it was removed. I contacted Portfolio Recovery by email and phone and they said their was nothing they could do about it. I am aggravated that this company lied about this bill and they have my money. this is definitely unfair and I believe i should be refunded the amount of {$350.00} because this account I am no longer liable for.
Product: Credit reporting or other personal consumer reports

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 has violated my rights. 
According to the Fair Credit Reporting Act, whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates, according to 15 USC 1681 ( e ) ( b ) - According to 15 USC 1681 ( 5 ), they are supposed to treat inaccurate or unverifiable information by promptly deleting or modifying it.

According to 15 USC 1681s-2, they are not supposed to furnish any information that is known or believed to be inaccurate.
Product: Debt collection

I am writing to formally request the removal of the alleged debt associated with my name and account. Under the Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. 1692c, 1692g ) and the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681i ), I am asserting my rights and requesting validation and removal of any inaccurate, unverified, or outdated information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Was notified by Transunion that XXXX XXXX, XXXX, NY, has reported my auto loan as 30 days past due delinquent, severely impacting my XXXX XXXX. I contacted XXXX and was informed that my account is current and should not have been reported to XXXX as delinquent. Was told that the bank is aware of a problem occurring with credit reporting, but representative was unwilling to commit to correcting my records with the XXXX. This has resulted in credit issuers threatening to reduce my credit limits and impose higher interest rates for existing credit card accounts.
Product: Debt collection

CREDIT COLLECTION SERVICE has violated Federal laws concerning the use of private information. CREDIT COLLECTION SERVICE is obligated by the FDCPA to report accurate accounting, consumer has been attempting to resolve an issue by requesting CREDIT COLLECTION SERVICE to provide documentation used to determine that all disputed negative accounts were verified, consumer is requesting how it was verified and who verified them info on what language is being used and an updated presentment communicating in a living language. If CREDIT COLLECTION SERVICE isn't able to provide said items, negative accounts must be removed immediately. 

Consumer has attempted to resolve this matter for over a year, Consumer is providing 3 days to verify the alleged debt CREDIT COLLECTION SERVICE you are interfering with commerce and this is a Federal Crime.
Product: Credit reporting or other personal consumer reports

I am writing this complaint to dispute with the consumer reporting agencies regarding inaccurate accounts that I have spotted in my consumer reports. Especially with EXPERIAN. I want to make certain that my letter to the consumer reporting agencies is responded to and the disputes are initiated per FCRA 15 USC 1681i. I want my consumer reports reinvestigated because there are inaccurate late payment notation and dates, and there is missing payment history information regarding some of these accounts. The negative, inaccurate, and incomplete information being furnished and missing from my reports are damaging my character and reputation. Please resolve this immediately.
Product: Credit card or prepaid card

My business experienced an entity change from XXXX XXXX to XXXX. I wanted to stop all charges to my XXXX XXXX card I used only for business expenses, so I could personally migrate those charges to my new XXXX   business credit card. I also wanted to stop all charges that had been going onto my account after repeated attempts to cancel them. Bank of America cancelled my card number and issued me a new card number, to be sent via mail. Before the card was even delivered, before I even knew the card number, and before I ever activated the card, XXXX gave out my card number to merchants who called and requested it without my permission to do so, or knowledge that they even could do so. Unknowingly, charges continued on my card to the current amount of over {$730.00} over the course of a month. Thats right, {$730.00} in transactions were charged to a credit card that is currently stuffed in the back of a filing cabinet in its still unopened envelope, never activated. I have never given out the card number to anyone as it is still in the unopened envelope so how would I. It has never been swipped, as its impossible to swipe a card in an unopened envelope. And in any event, it has never been activated either. All {$730.00} charges were unwanted and unauthorized. If a company contacted me to get a new card on file, and I deem the charge authorized, I would have given them a different credit card number. Furthermore, I was told by Bank of America there was no way to stop XXXX from fraudulently authorizing charges onto my credit card and jeapordizing my identity by handing out my card number to strangers. My goodness, I cant even call my bank to ask for my own credit card number, but theyll give it out to everyone else!
Product: Credit card

I received an unsolicited credit card from Chase and called them to demand that it be cancelled and make sure it is not added to my credit report. I called the XXXX credit reporting companies to report, but had difficulty with their phone menu. I reviewed my current report via the free website and did not see the card listed, but there was an inquiry from Chase to my account on XX/XX/2016. 
Chase said someone from their fraud dept would " reach out '' to me, sending some document that I was to complete and return to them. That has not come. I wrote a letter to Chase and the XXXX companies which I will attach to this complaint, if possible, insisting on a written statement from Chase that the issue has been fixed and asking for a security freeze on my report with the XXXX companies.