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

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : 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 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 or other personal consumer reports

I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on this account though your company claims to have verified this. 

Depending solely on your flawed XXXX XXXX has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, Equifax, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

XXXX XXXX XXXX XXXXXXXX
Product: Credit card or prepaid card

I opened my Alaska XXXX XXXX XXXX card with Bank of America in XXXX of 2021. I went into my account and set up autopay shortly after receiving the card in the mail, prior to my first payment. 

I was charged a late fee on XX/XX/XXXX after my first payment did not come out as expected, despite having already set up autopay. There were no issues with my checking account. Bank of America did not pull the payment. I went in and made a manual payment immediately after the late fee was posted. I received no emails or app push notifications that a payment was missed from BOA despite having them set up. 

Although customer service reversed the late fee, rightfully so, they have refused to do anything about the {$19.00} in interest charges, despite numerous requests for them to reverse it. 

I had automatic payments set up. They didn't pull my payment. It is not right or fair that I have been charged interest.
Product: Debt collection

Repeated calls from various numbers, early and late calls and even on Sundays, calling multiple times in a row, tried to call back the number a few times got no answer, often call with just " Unavailable '' on the ID so we ca n't tell who it is.
Product: Mortgage

On XX/XX/2018 I had a phone conversation with the supervisor at Wells Fargo Mediation by the name of XXXX XXXX I informed her during this phone conversation that I had contacted the county of XXXX where I live in Oregon ( aging and XXXX in XXXX office ) about deferring my taxes due to my age over XXXX XXXX. I informed her that they told me I could do this and she told me she had worked with the customer regarding this before. Now I am told today in an email from XXXX XXXX That they reimburse my taxes Which is not what I even asked. The county will differ them Im tired of explaining it over and over again. They just dont want to help they want my home instead. Manipulation cruel bureaucracy and continued discrimination because of my age and mental health XXXX. Im asking them not to pay the taxes so the county will step in and defer them for me. They are doing this in my opinion to take my home. I was told by a county representative at XXXX County Oregon aging and XXXX his name is XXXX that this can be done if Wells Fargo doesnt pay the payment. I have been asking now for almost 2 weeks. As of today the payment had not been made but it will be in a couple days now. 

This to me is unfair and this is just another way that they have manipulated me. I have worked on a spreadsheet now showing the payments and The escrow overage is in shortages where they have short paid and overpaid in error that they wont provide documentation. 

I am trying to send it to you as well but its difficult to explain Ive got the numbers worked out but I need someone to help me and I cant find anybody without spending {$400.00} an hour. If I could spend {$400.00} an hour I wouldnt be in the situation I am in. I need help they have broken the law they have committed fraud in my payments using my escrow account as a way to manipulate the system. 


Another complaint will follow soon but I want my taxes deferred Per my right of my age and the county of XXXX and Oregon State
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The late payments in questions are associated with the following account - I request closed accounts to be removed Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX opened XX/XX/XXXX and shows late payment. Account name XXXX XXXX XXXX : I wish to emphasize my committed to fair and accurate credit reporting these late payments have had a significant impact on my credit worthiness and have caused me undue financial hardship and emotional distress. The only way a corporation can possibly report a payment as late falls under 15 U.S. Code 1666b - Timing of payments. The FCRA 15 USC 1681a, 15 USC 1681s-2, 15 USC 1681n and Timing of payments 15 USC 1666b , Consumer request the Deletion of all transactions listed as late on their consumer reports.
Product: Credit card or prepaid card

We made a purchase on a store card XX/XX/XXXX with insurance for the items. We made an insurance claim XX/XX/XXXX and paid the insurance deductible of XXXX on XX/XX/XXXX. We made an instore purchase shortly after using the insurance credit at the store. The store manager was unsure how to use the insurance credit but told us they will figure it out. In XX/XX/XXXX the chair was delivered and we were charged XXXX on our store card instead of the insurance credit. We called the store XX/XX/XXXX and the store associate said they saw it should have gone to the insurance credit and will have the store manager call us. The store manager never called us, we called the store manager XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX with no luck. The store manager kept ducking us. We then disputed the charge on mysynchrony. They denied our dispute stating the purchased items arrived at our house. They did not provide any further information or a receipt. We never authorize a charge for this on the store card.
Product: Debt collection

On ( XX/XX/2018 ) I get back a response requesting an " Affidavit of Fraud Letter '' that it to be filled out, notarized and sent back to them. The Federal Law says, " the burden of proof '' is on " Security Credit Services ''. It's been more than ( 30 ) days. 

Security Credit Services # XXXX XXXX XXXX XXXX, XXXX , MS. XXXX XXXX File : # XXXX Account : Original Creditor XXXX XXXX ( Rental/Leasing ) Please send me all the information of this alleged debt as to, 1. When did this ( alleged ) debt occur? 
2. What was purchased ( s )?

As required by Federal Law, Fair Credit Reporting Act, the following requirement of the credit bureau, 15 U.S. Code, Section 1681i - Procedure in case of disputed accuracy, said ( adverse account ) is extremely injurious to my credit report, please delete this item off my credit ( XXXX, XXXX and XXXX  ) reports ASAP. 

DO NOT DISREGARD THIS LETTER! 

If you are planning to continue to press this alleged debt ( if not ) rebutted within ( 30 ) thirty days by written response following your receipt of this letter, I will presume your alleged debt to be incorrect and will enforce my Rights against any government agency or person who would violate ( i.e., seizure, levy, lien, etc. ) my Rights willfully or out of ignorance of the Law. 

Failure to verify on my written request will constitute an unfair or deceptive trade practice subjecting your agency to civil damages of up to {$1000.00} and attorney fees, and/or Federal Trade Commission action for penalties of up to {$10000.00} per violation per day. 

I have examined the statement of fact presented in this letter to the best of my knowledge and belief, is true, correct and complete. A denial of Due Process will be deemed an act of conspiracy and conversion. Please forward me a copy my updated credit report. 

Sincerely, ________________________________ XXXX XXXX XXXX XXXX XXXX, # XXXX XXXX XXXX, MD XXXXXXXX
Product: Credit reporting or other personal consumer reports

I would like to dispute these inaccurate accounts on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Money transfers

WESTERNUNION ALLOWED THEM TO COMMIT FRAUD AGAINST ME BY NOT MAKING AWARE OF THE SCAM THEY ALL KNEW IT AS THEY LAUGHED. THIS IS VIOLATING THE DODD-FRANK ACT.
Product: Credit reporting or other personal consumer reports

I received my Consumer Reports and noticed that I had three late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account ( XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ). 
Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks
Product: Credit reporting or other personal consumer reports

A business requested a copy of my Experian credit report on XX/XX/XXXX, I do not do business with the company. The company did not have a permissible purpose to pull my credit report. 

Identifying information : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Phone number ( XXXX ) XXXX
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's 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 CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. I use zelle on most of my transactions and Ive only had one issues, and it was never resolved. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit card or prepaid card

I started calling the card service, Citi Bank Visa, in XX/XX/2020 knowing that my promotional balance was due and carried over XXXX in interest. I over paid the monthly amount due almost every month. 
The online payment service stated that I couldnt pay towards my promotional balance. Then on XX/XX/XXXX the inevitable happened. They charged me the interest on a promotional balance they never let me pay on. I believe, although it was never disclosed, that the only way to pay the promotional balance off was to pay the entire card balance.
Product: Credit reporting or other personal consumer reports

I want the accounts listed deleted. the accounts are affecting my ability to obtain credit. 
XXXX account # XXXX date opened XX/XX/year>. It shows close on XXXX and experian but open on XXXX. doesn't have the correct date it was open.
Product: Consumer Loan

I had a loan with Santander Consumer USA and sent them a letter to have the repossession removed from my report. They have placed on the account for XXXX that there is collection with {$0.00} and that its a bad debt and also have re-aged the account with new date of XXXX. I have n't had the vehicle or loan with them since XXXX. They have violated my rights and are also in violation of FCRA Section 605 ( c ) for consumer protection afforded by the FCRA. They reported the last activity instead of the date of the delinquency. I would like this to be removed from my credit report. It has caused undue stress and has violated my rights.
Product: Credit reporting or other personal consumer reports

I am requesting the information regarding the method of verification XXXX  by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 

Any documentation or evidence used to substantiate the accuracy of the disputed items.
Product: Mortgage

I bought my home in XXXX. There was a first lien and second lien on my home. In XXXX I lost my job and could not pay the second loan. The second loan was XXXX and now it 's XXXX. After speaking with my mortgage company at that time ( XXXX ), who holds the collateral, I was told that I could not lose my home if I continued to pay the first loan. I have struggled to make my payments to keep from losing my home. It 's been 12 years and now Real Time Solutions sent me an eviction citation with intent to foreclose on my property. They are the second loan which the banks have already written this judgement off but yet they are coming after me. I have a court date to go before the judge, Thursday, XXXX XXXX, at XXXX XXXX. I need help! I have nowhere to go! So unfair. The original company for second loan was XXXX, acct # XXXX, then sold to RTS. XXXX XXXX XXXX holds the collateral, acct # XXXX.
Product: Consumer Loan

Fifth Third XXXX is reporting a duplicate account. This is forcing my credit score to be lowered for as they are illegal reporting the same account twice. I have disputed from credit report. I have contacted reporting agencies. This continues to report illegally.
Product: Debt collection

I entered into a contract with XXXX XXXX  XXXX XXXX for a personal loan several years ago. This debt was sold to a debt collector called SST. For awhile both XXXX and SST both showed on my credit report to both be collecting payments and it actually bounced back and forth between companies for a bit. Either way, I wanted to make sure everything was in compliance with FDCPA. I sent SST a dispute of debt and request they validate the debt and their right to collect. SST responded with just a copy of my original contract and nothing else. I responded back that under UCC law article 3 this is not enough to prove they own the debt and have a right to collect. I sent another certified letter requesting they validate the debt and provide proper endorsements and chain of assignment to prove ownership. They once again sent only a copy of the original contract. No servicing agreement, no assignments, no chain of assignment or endorsements to confirm they actually owned the debt. They are in violation of the following : FDCPA Violations : Failure to disclose the true owner of the debt ( 15 U.S.C. 1692e ) Failure to provide a valid assignment of the debt ( 15 U.S.C. 1692g ) Failure to comply with the FDCPA 's requirements for debt collection ( 15 U.S.C. 1692k ) Making false representations about the debt ( 15 U.S.C. 1692e )
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with 15 USC 1681a ( 2 ) ( a ) ( I ) XXXX, Equifax, and XXXX has violated my rights by reporting the transaction between Me the consumer and the person making the report which the companies Im doing business with. This considered a violation. 15 USC 1681a ( 2 ) ( a ) ( I ) clearly states the transactions between the consumer and the person making the report is excluded from the consumer report. 

Account reporting inaccurate information. 

XXXX. XXXX XXXX Account # XXXX Open date inaccurate Last reporting date inaccurate Last Active dat inaccurate Last payment date inaccurate Clearly show late payments which is an violation XXXX XXXX Account # XXXX Last Payment Date wrong on this account Last Active Date is inaccurate Payment Status Inaccurate Clearly show late payments which is an violation XXXX XXXX  XXXX  # XXXX Opening Date is inaccurate Last Reported Date inaccurate Date last Active inaccurate Date of Last Payment inaccurate XXXX. XXXX XXXX  XXXX Account # XXXX This account does not belong to me Never gave consent to furnish this account This is considered a violation. 

XXXX. Fair Collections & Out Account has been paid off This company has not license to collect in XXXX XXXX Please delete this account as it is causing financial and emotional damage. 

XXXX XXXX Account # XXXX Open Date inaccurate Payment Status inaccurate Date last Active inaccurate Late payments being reported is a violation Please delete this account XXXX. XXXX XXXX Account # XXXX Open date inaccurate Active Status inaccurate One report say open, another account say Paid. 
Please delete this inaccurate account XXXX. XXXX XXXX XXXX XXXXXXXX Open Date inaccurate Last reporting date inaccurate Credit limit inaccurate Please delete this account A consumer report should be 100 % Accurate. There are too many inaccurate accounts and consistency of careless activity being done on my report. There must not have been any investigation of my consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian Report # XXXX XX/XX/18 Does not list my Former & Current Employers but on Report # XXXX Dated XX/XX/18 it list Employers Still missing since Report # XXXX Dated XX/XX/18 Nurse Finders & Staffing Plus I have even sent a copy of my XXXX and still no update this has been going on now for over 5 months with current Employers and Experian has not updated nothing. 

No Former or Current Employers showing on page 19 of 20 report # XXXX nothing showing End of report Current Employers : Staffing Plus Nurse Finders Starling Charities All other Employers are Former
Product: Credit card

i got a letter from a collections agency today saying i owe a master card from XX/XX/XXXX and in stayed ion collections until XX/XX/XXXX and wants me to pay it now i do n't owe it what can i do
Product: Credit reporting or other personal consumer reports

I have reviewed my consumer reports that I had XXXX late payments on an account I was never late for. The consumer reporting agencies have assumed a vital role and have responsibility to report consumer information to the best of their ability with maximum accuracy. I have included a screenshot inside this complaint in on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, and XX/XX/XXXX. Please investigate and provide a proof with statements showing that these payments were late. If proof cant be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact I was never late. Thank you, please see the attached files!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several unauthorized inquiries on my Equifax from XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX-XXXX XX/XX/XXXX XXXX XX/XX/XXXX I reached out to Equifax and disputed the information and was unsuccessful I also have several unauthorized inquires on XXXX from XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX I reached out to XXXX and disputed the information and was unsuccessful
Product: Checking or savings account

At some point in XXXX I searched for jobs and came in contact with a healthcare consultancy. Eventually, they backed out from their intent of hiring me and decided to arbitrarily delay the amount of money they made me deposit in order to apply for my XXXX work permit as my XXXX status in the US doesn't allow to perform paid work until I get my work authorization. I had no intent to apparently fall for their repetitive attempts to breach my legality in the US by offering me under the table salary and expecting me to work in a hope to make me an accomplice. I stuck to my morals. 

Also, they are now being sued in the NY court and they have skipped numerous hearings so far. The benefit of the legal option that I have opted for is that it could also help recover the money of many other gullible individuals over the years. 

The XXXX  reports are filled with fraud and literally the same experiences. 

The fact that the financial system in a first world country doesn't make appealing these scenarios is very unfortunate. 

The banking system essentially becomes the very supporting pillar. 

My bank is " Bank of America '' situated at " XXXX XXXX XXXX, XXXX, NJ XXXX ''. It is this same bank where unfortunately they hold an account. Even in this scenario, I have no easier option than generating noise in a hope to gather help and support. 


The transaction dates : - XXXX USD on XX/XX/XXXX - XXXX USD XX/XX/XXXX - XXXX USD on XX/XX/XXXX The fraudster / beneficiary is " XXXX XXXX XXXXXXXX XXXX XXXX ''
Product: Debt collection

I received a notification from my credit monitoring service that Phoenix Financial Services reported a collection on my credit report. I reached out to this company to validate the debt they are reporting. On XX/XX/2022 The collection agency provide me with medical information that I have never authorized to be shared with a 3rd party. The documents they provided included Diagnosis and CPT Codes. This was devastating to me as 1. I have never heard of the collection agency, the Current Creditor " XXXX XXXX XXXX '' XXXX XXXX XXXX XXXX XXXX  OR any of its affiliates. I looked up the provider 's name in my area and it appears he is a provider at XXXX XXXX XXXX. I was never treated at any facility on or during the date shown in the medical records they are illegally sharing. 

Not only is this company reporting medial information that is against HIPAA laws, the date of service I NEVER went to the hospital on that day and this ERROR has caused major impact on my ability to purchase a home, insurance, or anything that requires proof of my credit worthiness. The address and telephone number they have is not mine and I have NOT had any information that matched or similar. This company is violating my rights, breaking HIPAA laws and to get me to pay debt that does not belong to me and continues to report information on my credit report.