23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I am writing to formally lodge a complaint regarding inaccurate and incomplete credit information contained in my credit report. I am distressed to find that the information in my credit report profile has not been maintained with reasonable procedures to ensure the maximum possible accuracy, as mandated by credit reporting laws. It is crucial to emphasize that credit reporting laws require bureaus to report only 100 % accurate credit information. Every measure must be taken to assure that the information reported is entirely accurate and correct. Unfortunately, the following information appears to be inaccurate and incomplete, necessitating a thorough reinvestigation : BANK XXXX XXXX XXXX and XXXX XXXX XXXX ( Original Creditor XXXX ) XXXX. I respectfully request that you provide proof of the alleged items listed above, specifically any contract, note, or other instrument bearing my signature. In the absence of such evidence, I insist that these items be promptly deleted from my credit report. I withhold my consent for electronic communication and explicitly request that all responses be conveyed in written form through the United States Postal Service ( USPS ).
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 3rd request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 transfers

On XXXX/XXXX/16, I opened an account with Remitly in order to send {$200.00} dollars to a relative in XXXX. I choose 3 days for it to process which allegedly equaled to the company not charging for the service. A day later I received a mail that transaction XXXX XXXX XXXX XXXX was cancelled due to security reasons, a catchall phrase that entails providing additional bank or payroll information as other remittance companies have requested for me. Instead this Remitly company cancels the transaction and customer service is unable to disclose the reasons as to why not only the transaction was cancelled but my account with them closed, too. This was the vague explanation given by phone customer service representative and confirmed in an email in response to my query about the opaque ways in which this company is operating, see email below. It might appear that this company is quick to collect client 's sensible data, such as birth date, bank account information, but then invokes security reasons, which they are unable to explain for turning clients away, which raises questions as to the use of such sensible information provided to Remitly in good faith by customers in need of sending money to relatives. 
I write this because since this is a company that markets itself widely among the XXXX community, I am thinking that they are doing the same to nonXXXX speakers unable to report Remitly for their questionable practices clothed in security, anti-fraud laws, which could be easily explained to clients and could be fulfilled by gathering more information from them in order to carry out the service they promise to deliver. 
Thus, I am worried about the information Remitley collected from me, how are they going to use it since they closed my account, why are they so secretive about telling people right out about the reasons they take such unilateral decisions if remittance senders are all well aware that they need to provide sensible personal and financial information in order to support their families XXXX and trust such remittance companies, which in turn declared themselves unable to explain the reasons or laws they are basing themselves on to cancelled transaction and refuse the services they offer to clients. 
-- -- -- -- -- -- -- XXXX XXXX XXXX XXXX XXXX ; XXXXXXXXXXXX XXXX XXXXXXXXXXXX Today at XXXX XXXX XXXX Dear XXXX XXXX, Thanks for your email. 

We apologize for any inconvenience you 've encountered with this transaction. We have a robust and industry leading fraud detection system that helps safeguard our customers ' personal information. Unfortunately, we are unable to provide you with a specific reason as to why the transaction has been declined and we regret to inform you that your account was suspended for security reasons. We apologize, but we are unable to disclose the specific reason for this decision. This is due to our need to protect the integrity of our system. 

If you have further questions, please feel free to reply to this email or call us at XXXX XXXX XXXX XXXX. 

Regards, XXXX XXXX XXXX Customer Care XXXX XXXX XXXX XXXX XXXXXXXXXXXX | www.remitly.com
Product: Credit reporting or other personal consumer reports

I am writing to formally lodge a follow up complaint regarding a persistent issue with my credit report. Despite multiple attempts, I have been unable to correct a late open account that has been inaccurately reported. Despite my numerous efforts to resolve this issue, the incorrect information remains on my credit report. This error has significantly impacted my credit score and my ability to secure financial products.

Enclosed with this letter are copies of the relevant documents that support my claim, including any previous correspondence, statements, and proof of timely payments.

Please help me investigate the inaccuracy thoroughly and correct the late open account information on my credit report. I am aware of my rights under the Fair Credit Reporting Act ( FCRA ) and expect your prompt action within the 30-day period mandated by law. This account is as follow : XXXX XXXX XXXX XXXX XXXX : {$14000.00}.
Product: Money transfer, virtual currency, or money service

I'm writing to formally voice my concerns about Zelle 's dispute resolution process, especially in view of the recent CFPB complaint that brought to light serious problems with the platform. Despite my repeated use of Zelle and my reporting of inconsistencies, neither Zelle nor my banking institution sufficiently looked into my claims. They told me that it was impossible to track these transactions and to reclaim lost money. According to the CFPB 's findings, Zelle has not only failed to safeguard customers but has also let repeat criminals to take advantage of the system, making users susceptible to fraud.
Product: Credit card or prepaid card

On XX/XX/2023, I called Bank of America at XXXX to " enroll '' my card in " Travel Credit. '' As I explained to numerous reps during this call, once you reach an annual spending threshold of {$50000.00} on the card, you must call to enroll the account in Travel Credit pursuant to page 13 of their benefit & rewards guide. See attached PDF. This does not involve redeeming points ; it is met solely by hitting the annual spending threshold. 

The most recent calendar year, I spent over {$85000.00} on this card ( with a lifetime total of several XXXX XXXX dollars on it ). 

In roughly 1 hour and 15 minutes, I was repeatedly transferred from one department to another ( including promotions, rewards & benefits, and others ) and eventually ended up being transferred to departments to which I had already been transferred. As I approached an hour on the line with circular transfers, I asked for a supervisor who stayed on the line ( warm transfer ) with me but was similarly unsuccessful in reaching the correct department. She stayed on with me for multiple transfers, but we ended up with promotions with whom I had already spoken with no end in sight. 

As I was repeatedly told the call was being monitored and recorded, I too, recorded it and have an unredacted recording of the call. It would be nice if someone in BoA corporate took the time to listen to the entire 1-1/4 hour long conversation for what should have been a five-minute call.
Product: Credit card

CONTINUAL PHONE CALLS FROM A COMPANY CALLED, " SPRING OAKS CAPITAL '' TRYING TO COLLECT A DEBT THAT IS NOT ASSOCIATED WITH ME. THEY HAVE BEEN CALLING ME FOR MONTHS AND NOW HAVE RESORTED TO TEXTING ME ABOUT AN ALLEGED DEBT FORM XXXX XXXX/XXXX  XXXX  . I CALLED THEM TODAY AND TOLD THEM I HAVE NEVER HAD AN XXXX/XXXX XXXX XXXXXXXX . MY CREDIT IS MONITORED AND NO NEW ACCOUNTS OR OLD ACCOUNTS EXIST UNDER THOSE NAMES AND I DO NOT OWE ANY DEBT TO THEM. THEY REFUSED TO GIVE ME ANY INFORMATION CONCERNING THE ALLEGED DEBT, NOR VERIFY MY SOCIAL SECURITY NUMBER AND DID NOT STATE THAT THEY WOULD STOP HARRASSING ME. THEY WANTED INFORMATION FROM ME BUT I REFUSED, AS I DO NOT KNOW THEM OR TRUST THEM.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received a copy of my credit report and my birth year is incorrect I tried to dispute with Equifax but had no luck the credit report shows s birth year of XXXX however I was not born until XXXX also the credit report shows several addresses I have only lived at one address I have enclosed a copy of my ssn and drivers license as proof however it remains unresolved
Product: Debt collection

I was alerted on XX/XX/XXXX that Convergent Outsourcing is reporting a debt from XX/XX/2017 according to their reporting for a {$420.00} debt to XXXX. I do not owe any debt and demand that this be taken off my credit immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I write this Claim disputing attached Credit Report and requesting this third time for the XXXX Credit Bureaus to investigate and correct my credit profile pursuant to 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. In closing 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. Said circled accounts including derogatory public records are not authorized by me to be furnished nor are they accurate 100 %. They must be removed as per the law.
Product: Checking or savings account

This week, I received a paycheck on XX/XX/XXXX in the mail. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. So, funds are limited now and are needed when received, especially, with XXXX child in XXXXXXXX 
I attempted to scan the check as I did last pay period for deposit. Perhaps, the lighting in the area was not the best as I was in my car, so the check image was not clear. In trying to get a better picture after being prompted by Bank of America 's mobile system, I tried 3 times to capture the check images. After the 3rd time, I received the message that the amount that was entered and the total on the check did not match. I doublechecked and both totals matched. I clicked submit, and a 6-day hold was placed on my check, indicating that my funds would not be accessible until XX/XX/XXXX after receiving and attempting to deposit the check on XX/XX/XXXX. This was an ultimate gut check as I have groceries to buy, sports equipment to purchase for my son, and clothes to get for my children as the weather continues to break for the Fall. The rationale for the hold was to prevent me from incurring any unnecessary check return fees. How when the check is from a reputable school district who issued me a check 2 weeks ago and it was deposited the same way through the bank 's mobile app. This is an extreme measure of protection that does more harm than good, especially, when Bank of America does not have a human to reach out to you to learn more about the transaction. When you call, a message plays that they know you have a check on hold, and the information specialists do not have access to release any funds, and no one ever picks up the phone for hours on end. I took another route and attempted to chat with someone from Bank of America. This experience was even worse as the representative suggested that I just take out a loan. Wow! A suggestion to accrue more debt despite the late fees that will come with my bills that were to be paid with my paycheck this will that I do not have access to until next week. Do better Bank of America. No support and no empathy for customers. 

Calls were made on XX/XX/XXXX to rectify the issue. The chat experience where I was recommended a loan was on XX/XX/XXXX as well.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXXXXXX XXXX XXXX on XXXX XXXX under the account number # XXXX, a personal loan account opened at XXXXXXXX XXXX XXXX on XXXX XXXX under the account number XXXX, and a collections account opened at XXXX XXXX XXXX  on XXXX XXXX with a balance of {$370.00} that appears related to the aforementioned telephone company. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I am filing the FTC theft to report XXXX separate fraudulent accounts, appearing on my consumer file report, which are the results of identity, theft and fraud. These fraudulent accounts consist of rental apartments open between the years of XXXX THROUGH XXXX Including collections accounts XXXX XXXX XXXX XXXX, XX/XX/XXXX. XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX and XX/XX/XXXX. 
These accounts have resulted in several fraudulent inquiries and fraudulent collections appearing on my consumer FICO credible report. I Demand the aforementioned fraudulent items be removed from each of my consumer credit report and that all collection activities related to said items cease pursuant to my rights with the FCRA and FDCPA Law.

Credit Card Opened by the Thief Company or Organization : XXXXXXXX XXXX XXXX XXXX Account Number : XXXX Date fraud began : XX/XX/XXXX Date that I discovered it : XX/XX/XXXX Total fraudulent amount : {$0.00} Fraudulent Mobile Phone Account Company or Organization : XXXX XXXX XXXX Date fraud began : XX/XX/XXXX Date that I discovered it : XX/XX/XXXX Total fraudulent amount : {$370.00} Fraudulent Mobile Phone Account Company or Organization : XXXX XXXX Account Number : XXXX Date fraud began : XX/XX/XXXX Date that I discovered it : XX/XX/XXXX Total fraudulent amount : {$1100.00} XX/XX/XXXXXXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX  as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

My bank of the west credit card was paid off and closed in XXXX 2020. Yet, I have still received late payment marks on my credit every month since. I called XXXX and they said the account had been closed as of XXXX 2020.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a complaint with CFPB regarding the inclusion of Navient in the Public Records section of my XXXX XXXX report. In response to that dispute, XXXX XXXX now has two Navient accounts that have been reported as included in bankruptcy on my credit report. At the very least these are duplicate accounts and at most they are outright false accounts. I spoke to Navient and they indicated that they have done an investigation, but I have to wait 30 days to get the results. I asked when the letter was sent out and they said it had not been sent out yet, but that the investigation was complete on XX/XX/XXXX. The new entries on my credit report, which caused my score to drop 56 points, are dated XX/XX/XXXX. I have until the XX/XX/XXXX to appeal a decision to fund my business and this is going to drag on past that date, which means I will be denied the funding.
Product: Credit card or prepaid card

I have been patiently waiting on BK OF AMER 's response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : ( BK OF AMER XXXX, BK OF AMER XXXX )
Product: Payday loan, title loan, or personal loan

I am being sued by one main financial for a title loan that i defaulted on. I have been involved in 2 car acciddnts pastb2 yrs and there for i have had financial hardships. I tried to work with them to lower payments but my medical bills have grown to where i cant afford to pay all my bills let alone XXXX to XXXX a month on a vehicle that i no longer have or is working. They have harrassed me by calling my job when i was still working. It got to the point that i was talked to by my boss about recieving personal calls 3 times a day. I went to court and then tried to contact one main financial to try and solve the issue. The lawyer i n charge of the case wouldnt even talk to me or my brother who is now in charge of my financials because i dont have the XXXX XXXX to handle all the debt that is building up due to my accidents and medical bills. 
They have been incredibly rude and not willing to work with me at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

Mississippi speeding ticket was paid for and needs to be taken off my driving record!!! 
I dont live in LA! Failed to appear in LA for trail/court, this one I have no idea about. I called Louisiana Sherrif department and they have no knowledge of why this would be on my record.
Product: Credit reporting or other personal consumer reports

Under the FTC Act, GLBA, and FCRA, financial institutions must protect consumer data and prevent unauthorized access to credit information. Failure to do so can lead to fines, enforcement actions, and civil lawsuits. If any of the following inquiries or accounts were unauthorized, fraudulent, or excessive, they may indicate identity theft, improper credit checks, or data breaches and should be removed immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX} These accounts were fraudulently added due to a data breach and must be ruled as unauthorized and removed immediately to prevent further financial harm.
Product: Credit reporting, credit repair services, or other personal consumer reports

Innovis refuses to delete information from my innovis credit report that I have indicated to them that was ID theft to wit a XXXX XXXX account I recently went through the dispute process and they sided with XXXXXXXX XXXX stating the information is accurate and will remain I have discussed this with innovis several times informed them that this was ID theft and should be removed and innovis continues to side with the creditor and refuses to remove it from my report.
Product: Debt collection

I explained that we do not owe more than a months worth of rent and they insisted that we owe more than {$18.00}, the building we lived in keeps charging tenants long after they leave.
Product: Credit reporting or other personal consumer reports

I am writting to formally dispute the inaccurate information that appears on my XXXX credit report, I have found the following items to be incorrect. 
my name, last four digits of my societal security number, phone numbers, addresses, and accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts are all inaccurate accounts on my credit report they show the balance on these accounts is incorrect. 
I request that you thoroughly investigate this matter and update my credit report accordingly. i have enclosed supporting documentation to help clarify the situation including a copy of my credit report
Product: Mortgage

XXXX XXXX  issued a mortgage on XX/XX/XXXX. They transferred my loan to Specialized Loan Servicing during the third quarter in XXXX. In XX/XX/XXXX, the title company handled my mortgage case sent me a letter stating that our mortgage record filed with XXXX XXXX XXXX had missing riders and wanted us to sign documents ( in attachments ) back. And I followed the instructions and sent the signed documents back. Now I want to payoff my loan, and the title officer found there are two mortgage records as followings : dated XX/XX/XXXX, recorded XX/XX/XXXX in XXXX XXXX  XXXX, Page XXXX, in the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX the originally stated amount of {$510000.00} dated XX/XX/XXXX, recorded XX/XX/XXXX in XXXX XXXX XXXX, Page XXXX, in the Clerk/Register 's XXXX XXXX XXXX XXXX XXXX XXXX XXXX in the originally stated amount of {$510000.00} I have contacted both XXXX XXXX and Specialized Loan Servicing to solve the duplicate records about three weeks. The Specialized Loan Servicing simply said they don't deal with titles, and on their end, they can only see I have one mortgage with them. Also, XXXX XXXX in fact is the one on the title. The Chief Operating XXXX in XXXX Bank replied to me that they sold our loan to Specialized Loan Servicing and they can not issue any documents regarding the titles.
Product: Debt collection

On XX/XX/2023 a payment of {$250.00} was made to settle the debt. After the payment was made, a confirmation email was provided indicating that the debt was resolved with this payment. 

As of XX/XX/2023, the account is reporting a balance of {$380.00} as owed and this is not accurate.