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

On reviewing my credit reports, I noticed inaccuracies in the reporting of several accounts, which are not compliant with the Fair Credit Reporting Act ( FCRA ). Specifically : XXXX reported a balance of {$65000.00} to TransUnion. This information is incorrect and unverifiable. 

XXXXXXXX XXXX XXXXXXXX : XXXX reflects a balance of {$14000.00}. 
XXXX reports a balance of {$0.00}. 
TransUnion reflects a balance of {$14000.00}. 
These discrepancies demonstrate a failure to report consistent and accurate information across the credit bureaus. As mandated by federal law, all accounts must be reported with 100 % accuracy. 

I have attempted to verify this information and attached a screenshot highlighting these inaccuracies. The discrepancies suggest negligence or noncompliance on the part of the creditors and data furnishers. 

XXXXXXXX XXXX XXXX XXXX XXXX, in particular, have failed to report accurately to TransUnion, which is a violation of their legal obligations under FCRA Section 623 ( 15 U.S.C. 1681s-2 ). This lack of compliance is unacceptable and warrants immediate correction. 

I am requesting that all inaccurate accounts be corrected or removed from the credit reports promptly. 

This is a formal demand for accountability and compliance with federal law to ensure the accuracy of consumer reporting.
Product: Payday loan, title loan, personal loan, or advance loan

I purchased solar panels for my home at XXXX XXXX XXXX, XXXX, OH XXXX in XX/XX/XXXX, and financed the purchase with Goodleap, the designated financing company of XXXX XXXX, who sold and installed the solar panels. 

There is nothing in the agreement with Goodleap or in the installation agreement or welcome letter that says I remain liable for the entire contract when a loan is assumed. See the first 3 documents attached. 

The only thing about assumption in these documents is in the loan document, which says this : " This loan is assumable upon the sale of the property to a new owner, if the new home owner qualifies under GoodLeaps underwriting guidelines. '' Yet, in the 4th document, Goodleap says I am still liable as a " co-borrower '' even after the financing of the solar panels is assumed by a subsequent buyer of my home. 

I sold my home on XXXX XXXX in XX/XX/XXXX, and the borrower agreed to assume the financing of the solar panels. For the assumption to occur, I was required to sign an agreement, the 4th attached document. 

For the first time, on being presented with the assumption document, I learned that I remain personally liable after the assumption, and in fact, the assumption document now makes the buyer of my home and me " co-borrowers. '' This was never disclosed in the financing agreement for the purchase of the solar panels. Goodleap keeps withdrawing from my checking account until the assumption takes place. I had no choice but to sign the document. 

I do not want to remain as a " co-borrower '' on the loan for its 25-year life. That this is what assumption means or entails was never disclosed to me by XXXX XXXX or, more importantly, by Goodleap, with whom I thought I would be done being in contract with, once the loan was assumed by my buyer. 

For further information, I have attached the Loan Closing Certificate, evidencing the 25-year obligation. Thank you for your assistance. 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

My information was sold and bought illegally because I was a victim of the XXXX Data Breach. I want these items de ; deleted from my credit reports immediately. I am attaching proof that all three credit bureau ( XXXX, equifax, and XXXX ) admitted that I was in fact a victim of this data breach and has done nothing. Please help me delete these illegal accounts from my credit reports.
Product: Payday loan, title loan, personal loan, or advance loan

Date opened XXXX account is paid, Closed. 

However the payment history isnt correct and accurate. XX/XX/year> XX/XX/year> XX/XX/year> 15 US code 1666b If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge.
Product: Checking or savings account

I filed a complaint about a month ago in regards to this matter I as well have contacted the company on numerous occasions however I havent gotten anywhere So Im filing this complaint again in hopes that This time I will get some type of resolution this complaint is in regards to money that was in my account and was fraudulently taken out of my account and I was never provided the credit back for the money that was stolen from me because they said that the claim wasnt in my favor however they still have yet to show me proof
Product: Bank account or service

I got an email from BoA saying that I was overdrawn. I went online to find out what happened and found a check that was not even from my account drawn for {$360.00}. I opened a chat help and reported it. The customer service person said it would be resolved. The next day, before business hours, I checked again. The problem was n't resolved and the check image which had been there the day before was no longer available. I opened another chat window and THIS customer service rep told me it was fraud and would have to be dealt with over the phone during business hours. 

That leaves me with no money for breakfast, so I am angry AND hungry. 
I reported the error as soon as I noticed. BUT because of the failure by the bank, I am without access to funds, and therefore breakfast and gas. 

HOW does all this work? WHY wo n't BoA answer my questions? WHAT is my recourse? 

IT 's only XXXX bucks. AM I too small to matter while BoA is too big to fail?
Product: Debt collection

on XX/XX/XXXX i checked my personal credit report and noticed that there are several erroneous pieces of information that are currently reporting. I did not apply for these accounts or give anyone permission to apply for any accounts using my name or social security card. the first account is acct name : helvey assoc acct # : XXXX opened on : XX/XX/XXXX balance : {$110.00} acct name : helvey assoc acct # : XXXX opened on : XX/XX/XXXX balance : {$110.00} i currently dont have any information about how this information came to be on my credit profile but i will be using this document to file a police report today.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I checked my XXXX XXXX. I noticed that my score had significantly dropped. I then saw that my car loan through Ally Financial was in collections. I had no idea why. I've made every payment on time. They take the payment automatically from my bank account. As I have set it up this way since the beginning of my loan. I called the number for Ally financial provided by XXXX XXXX. I talked to at least XXXX people who were just as confused as I. They kept passing me on to the next person. Finally, a gentle man named XXXX helped me. He read through the notes and said they made no sense. He said that there was a note stating that on XX/XX/2022 I said that I will no longer be paying my account, but that didn't make sense that was 2 days before my first payment on the Vehicle. he then interpreted it to mean XX/XX/2022, but which makes no sense to me because no such conversation was ever held, and all calls are recorded. He also stated that there was a plan to repo XXXX XXXX, but for what reason he was not sure because he could see from his end that all payments were made on time, never once late. Also, he states that my account was sent to collections on XXXX XXXX which also makes no sense, because my payment date is on the XXXX. Also, it's the day before the supposed phone call. Now my account is in collections. with an extra {$170.00} attached to it. My credit score has dropped by almost XXXX points. I have 3 days ( 11 days at the time, ) for my XXXX son and I to move, and my credit is too low to move into any place now. I've tried to find a room to rent for now, but nothing is available for a single father in XXXX XXXX at the moment. All the rooms I find for rent are either for single men with no children, female only, or single mothers. now I'll be stuck living out of hotel rooms which are very pricey and will not have a stove to cook for my son and I while I slowly work on fixing my credit. XXXX XXXX said the only way to immediately fix my credit was to pay the remaining balance in full, plus the additional extra fee before XXXX, which would be impossible for me. especially with my now very low credit score, I wouldn't even qualify for a loan to pay it off. He tried to get me a discount but wasn't able to. he was so upset for me he started cursing on the phone saying this is all XXXX. He apologized for what happened to me and set me up with a new payment plan starting the next month so I could enjoy my XXXX with my son. After doing the math myself the plan he gave me actually was interest free and saves me {$5100.00} in interest fees. But in the end, the situation still puts my son and I on the road without a home and nowhere to cook. Also, it would hinder my XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX a month. I also Have a XXXX  to XXXX  for the end of XXXX that is paying {$25000.00} that will have to be canceled XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

From XXXX, 2016 I was paying Lexington Law firm {$100.00} a month to repair my credit. Months will pass by and I wouldn't get an update. They would send me letters stating that they have sent out letters to the credit bureau on my behalf.. I never notice a n improvement in my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX, have sent several letters explaining in detail the issue of this company 's reporting an verifiable bankruptcy they are reporting on my consumer profile. With each letter I have attached proof of my identity as well as proof that other credit reporting agencies have deleted the unverifiable bankruptcy. I have also attached letter form courthouse and pacer in which each entity state they do not confirm any bankruptcies nor do they report bankruptcies to any credit reporting agencies. The company even removed the unverifiable bankruptcy from their " verified '' report but still have it on their " unverified '' report which is against the law! 
With each letter sent, the reply back was a claim that there was not enough information or that proof of identity wasn't legible. These are fraudulent claims, as every letter included clear copies of identity as well as detailed information. 
This company is in clear violation of the FCRA and my consumer rights.
Product: Mortgage

XX/XX/XXXX XXXX XXXX  XXXX ( XXXX XXXX XXXX XXXX ) stated that if I pay on my lease vehicle with XXXX and I pay {$4800.00} on it then that would bring my dti down and I would be able to get financed for the mortgage loan.. he had already told me my down payment which would have been XXXX down. On XX/XX/XXXX he pulled my credit again to see if the XXXX financial payment had been posted on my account. When he saw that it was he said we are good to go to closing ... closing was supposed to be on XX/XX/2021 he then told my realtor that my down payment had changed to XXXX when I found out I agreed to it and said lets move forward .. Mr XXXX calls my realtor back and says the down payment is XXXX and now I need to show proof that I am turning my XXXX lease vehicle in to XXXX XXXX I told XXXX this is not what he told me and he said it was a simple mistake. I told him this was not a simple mistake that open mortgage lending did ... if they are underwriting the loan how is it that the approval changes everyday ...
Product: Checking or savings account

The company canceled my debit card without my permission. I received no notification or anything really. I had to figure it out on my own when my card was rejected at the store. I cant access my money. When I called they said they canceled it and sent me a new one. One did not arrive after 2 weeks of the cancellation as they assured me. I still havent received a card and I cant use my money. I asked for a new one to be shipped but have no idea of the status. I had to reach out to customer service to be told that a new card should arrive in 2 additional weeks, leaving me without access to my funds for over a month. Customer service informed me that I do have access to it digitally so my access isnt a legitimate problem. I cant buy gas.
Product: Credit reporting or other personal consumer reports

Bank of America Account number- XXXX In accordance with the Fair Credit Reporting Act 15 USC 1681 section 602 specifically states " There is a need to insure that consumers that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy ''. I am the consumer and XXXX, XXXX and XXXX are the consumer reporting agencies. According to 15 USC 6801 " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' I have the right to make sure my private information isnt shared. Bank of America is a financial institution under title 15. 15 USC 1681 section 604 a section 2 states " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other " in accordance with the written instructions of the consumer to whom it relates ''. Bank of America, XXXX, XXXX, and XXXX do not have my consent to furnish this information. Any and all consent to XXXX, XXXX, XXXX, and Bank of America whether it be verbal, non verbal, written, implied or otherwise is revoked. It states in 15 USC 6802 ( b ) ( c ) " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option ''. Bank of America never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states " Except as authorized under subsection ( b ), 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 '' This account is being reporting without my permission which is against the law. According to 15 USC 1681s ( 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 innacurate. 15 USC 1681e states " Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under 1681b of this title '' XXXX, XXXX, and XXXX are not maintaining reasonable procedures at this time. 12 CFR 1016.7 states " A consumer may exercise the right to opt out at any time. '' I am now opting out of your reporting services regarding the account mentioned.
Product: Money transfer, virtual currency, or money service

I am writing to address my concerns regarding the recent lawsuit filed by the Consumer Financial Protection Bureau ( CFPB ) against Zelle. As a loyal user of your service, I am deeply troubled by the allegations and the potential impact on your customers.

Given the seriousness of the lawsuit, I believe it is crucial for Zelle to provide clear and transparent communication about the steps being taken/have been taken to address the issues raised by the CFPB. Specifically, I am concerned about how this lawsuit might affect the security and reliability of the service, as well as any potential changes to user agreements or policies.

I request a detailed explanation of the measures Zelle is implementing to ensure compliance with regulatory standards and protect its users. I would like to know how Zelle plans to compensate users who may have been adversely affected by the practices mentioned in the lawsuit.

As a concerned customer, I expect Zelle to prioritize transparency and customer satisfaction during this challenging time. I look forward to your prompt response and a comprehensive plan to address these concerns.
Product: Credit reporting

What you are doing Equifax is against the law, a federal crime. As a citizen of the United States Of America, it is my RIGHT under the Fair Credit Reporting Act ( FCRA ) for consumer agencies NOT to report outdated negative information on me in my credit report. That is not my option, that is my RIGHT and Equifax , you 're still violating that RIGHT of mine under the FCRA by still reporting a student loan over 10 years old ( from the original delinquency date ) on my credit report that is negatively impacting my credit score and the decisions of lenders. In most cases, a consumer reporting agency may not report negative information that is more than 7 years old, or bankruptcies that are more than 10 years old. In my case, Equifax you are reporting a XXXX XXXX student loan that is more than 10 years old ( from the original delinquency date ) and that account is negatively impacting my credit score and decisions of lenders, including the REMARK SHOWN IN THAT STUDENT LOAN ACCOUNT ON MY CREDIT REPORT AND THE FACT THERE IS NO PAYMENT HISTORY. 

These are my XXXX requests : ( 1 ) Remove that XXXX XXXX student loan from my credit report now, it is older than 10 years from the date of original delinquency ; it is outdated information negatively affecting my credit score and the decisions of lenders ( 2 ) Provide me, in writing, with the ORIGINAL DELINQUENCY DATE of that XXXX XXXX student loan account ; send the ORIGINAL DELINQUENCY DATE to either my email address on file with XXXX or my mailing address on file with XXXX or through an electronic online file at your website that I can access. That information is not my right, but if the student loan is not outdated ( it has been less than 10 years from the original delinquency date ), I will withdraw my request to remove it from my credit report. That date is imperative and I know it has been longer than 10 years, but I need it in writing. 


Thank you Equifax for hearing my complaint and I know you will respect my right under the Fair Credit Reporting Act ( FCRA ) for consumer agencies NOT to report outdated negative information on me in my credit report. The Fair Credit Reporting Act ( FCRA ) is a federal law that regulates how consumer reporting agencies use your information. Please stop violating that law. Please meet my XXXX requests quickly. Again, thank you Equifax
Product: Credit reporting, credit repair services, or other personal consumer reports

Sent dispute letters and never received any verification forms back, also the information on the report is not correct, there are different information on all three reports reporting the wrong information on all three reports
Product: Credit card

This account represent a clear breach of contract and are fraudulent in nature. The bank failed to provide me with essential information regarding this fraudulent account, which is a direct violation of my rights as a consumer. Therefore, I urgently request the Consumer Financial Protection Bureau ( CFPB ) to handle this matter directly, as the bank 's actions have resulted in significant harm to my financial well-being. The account is : XXXX XXXX
Product: Credit card

On XX/XX/year>, I looked into my Bank of America mobile app to find that there have been fraudulent charges made on my Bank of America credit card. I disputed the transaction using the app but the app stated that I had to call their call center to dispute the charges and get a new credit card issued. I am currently overseas in XXXX on a longer term work assignment and I am unable to return to the United States. 

I have tried contacting Bank of America on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX to try and get this sorted out. On some days there were multiple attempt to reach the call center. Unfortunately, because I no longer have a US number due to the fact that XXXX XXXX XXXX XXXX XXXX I was not able to pass their security checks. I consistently asked if there was another way to verify, for example, in the past, I have been able to verify through the use of an authentication code by email which I would read out to the call centre staff. Every call centre staff told me this was not an option made available when they looked into my account. Instead, they asked me to either visit a Bank of America branch in XXXX to be verified so that they can action or to use " XXXX '' ( Bank of America 's automated messaging system within the mobile app ). 

From the beginning, I have tried XXXX but it is unable to connect me to a number while XXXX XXXX XXXX so that method failed. On XX/XX/XXXX, when I contacted staff at Bank of America in XXXX, they said that they only serve corporate clients and do not deal with retail credit card customers. 

The lady in XXXX who goes by the name of " XXXX '' told me that they have been inundated with Bank of America credit card customers with accounts in the United States who have contacted them but they are unable to carry out verification or help retail clients. They have tried to tell the US call centres to stop advising XXXX customers to approach the Bank of America branches in XXXX but the calls to XXXX branch keep coming. 

XXXX and I jointly conferenced called Bank of America 's fraud call centre. Despite the fact that their own member of staff in XXXX kept telling the call centre that the XXXX branch is unable to verify retail customers, it bizarrely fell on deaf ears and the advice from the call centre was to contact the XXXX branch to see if they can help. The whole conference call was totally bizarre. 

On XX/XX/XXXX, I managed to reach someone who stated his name was " XXXX '' and he was a call centre supervisor. He told me that there is nothing they can do. 

I need to quickly address the fraudulent charges on my credit card and without any means of addressing fraud, Bank of America has left me in a risky situation where I am unable to do anything to prevent fraud. I am sure they are failing in their obligations to protect customers in situations of fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that the accounts on my credit report were misleading when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I have been put into collection by Southwest Recovery XXXX on XX/XX/2022 in the amount of XXXX for a piece of equipment a ( credit card terminal ) from a small bussiness that was sent back from a merchant represenitive from the credit card proccessing company called XXXX. The card proccesor was deliverd but they could not find in warehouse due to lack of employees. This during covid. This is not my fault that could not find it or someone else misplaced it. They have fraudently tried going into ky Business  bank account to try to withdraw money from me and my XXXX. These companies are crooks on small businesses. I have a perfect credit score and i dont need this on my report. Please help. Its on XXXX.
Product: Bank account or service

Being charged erroneous bank fees on my checking account which is a Basic / Lifeline account.