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

On XX/XX/2018 I filed a formal complaint with Equifax that they are reporting inaccurate credit information. I demanded to see VERIFIABLE PROOF ( an original consumer contract with my signature on it ) about these accounts because according to FCRA Section 609 ( a ) ( 1 ) ( A ), they are required by Federal Law to verify, through the physical verification of the ORIGINAL SIGNED CONSUMER CONTRACT, any and all accounts that they post on a credit report. Equifax simply responded by updating those accounts as verified and accurate and NEVER sent me this verified proof that I demanded. There is also a XXXXXXXX XXXX and XXXXXXXX XXXX inquiry on my report that doesn't belong to me.
Product: Student loan

I took out a private student loan from XXXX Student Loans. I had the payments auto deducted from my bank account the last XXXX years with no problem. I changed banks in XXXX and switched my auto pay bank through XXXX. At this time XXXX 's student loan group was being bought by AES. The bank change never went through and because the loan was being transferred I lost the ability to view it online. XXXX acknowledged the issue and assured me the payment would be backdated based on it being their fault and any credit bureau reporting would be removed as a result. I spoke to AES and they also confirmed that the payment was backdated. When I went to get a mortgage it turned out that it was still showing negative. Now XXXX ca n't be reached an longer because they have closed up shop and AES has given XXXX different variations of what they are doing to fix the issue.
Product: Credit card or prepaid card

On XXXX XXXX 2021 I received a letter in the mail from Capitol One stating they were closing my account because of activity on another account is not consistent with their expectations for account usage and violations of capitol one customer agreement.
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 Following accounts with XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Has violated my rights 15 USC 1681 section 602 A States I have the right to privacy 15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 1681c ( a ) ( 5 ) sections states : No consumer reporting agency may make any consumer reporting 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 USC 1681 ( 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: Checking or savings account

On XX/XX/year> between the times of XXXX CST- XXXX XXXX  CST. I attempted to place an order for {$19.00} at XXXX XXXX in XXXX, Alabama. However, I got an email form XXXX XXXX  stating that the order did not go through. I did not realize that I had received the email until I arrived at XXXX XXXX. The bar worker who are assigned to pickup orders, suggested that there was something wrong with their XXXX XXXX system and that it did not go through. I tried to place the order a XXXX  more times. After receiving the same email alerting me that the order did not successfully go through, I decided to leave. By the time I got home, I was charged {$19.00} even though I had received an email stating that the order did not go through ; I will assume that possibly their system was lagging. I called XXXX XXXX asking them to refund the amount, as I had already made it home and did not plan to get back out to get the food. They alerted me that I will receive a refund. After not receiving refund, I disputing the charge with Regions bank. Regions denied the dispute and would not accept the emails I received from XXXX XXXX as additional documentation. I feel like the dispute was not thoroughly done, as if it was I would have received a a credit from them. I have been back and forth with both Regions and XXXX XXXX, without a solution. 

I have attached also emails from XXXX XXXX. I frequent XXXX XXXX often, and it would not make sense me to randomly dispute a charge from them for no reason.
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. 
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, 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 and crimes which antedates the report by 7 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
Product: Credit reporting or other personal consumer reports

I recently checked my credit report and noticed some inaccurate accounts reporting. 

XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX  Account # XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX
Product: Debt collection

I got in touch with the better business bureau and was told that procollect the debt collection agency is not accredited also I was procollect sent me a copy of my lease I never signed a lease with them I have no idea if they are a real company I 've asked them numerous of times to please quit harrsing me  XXXX  was very rude and told me to pay them what I owe them so that they wo n't call anymore she has a very nasty attitude hangs up in your face their saying that I left the apartment complex nasty which I have pictures I 've tried to send them and they refuse to look at them I asked them to remove this off my report that I do n't owe them anything and they refuse to the apartment complex which is the   XXXX   XXXX   in  XXXX  tx I was living in and was paying rent to housing the landlord  XXXX   XXXX  was n't reporting my full payment I do n't have my receipts to show any proof anymore so she messed me and other tenantsat the   XXXX   XXXX   XXXX   over
Product: Mortgage

I have had numerous problems with the wrong amounts debited from my bank account, numerous escrow and insurance problems and nothing ever seems to get better after two years. The worst home loan company that I have ever dealt with. Most recently XXXX mortgage payments were taken out of my bank account the same week causing me to have a balance in my account of XXXX. I would have not known this if I had n't checked my bank account balance early that morning. If I had n't have checked it I would have bounced several other payments and my card would have been frozen. Not to mention several overdraft fees would have been charged to me. I put an unauthorized debit on the transaction, however my funds may not be available for two days. I ca n't buy gas or groceries for two days because of this. I was told by XXXX that my auto pay would have to be cancelled because a new amount was going to be drafted ( because the previous draft was also the wrong amount ) and then set back up after a XXXX time payment was taken out. XXXX told me several times that I would only be drafted once ... ... ..that is not the case, I was drafted {$350.00} twice in one week. Not acceptable to me ... ...
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late.

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX XXXX XXXX XXXX XXXX  I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( XXXX ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity was stolen and someone opened a checking account at Bank of America Bank of America XXXX # XXXX Acct # XXXX I disputed this with Bank of America and they said that since they didn't receive the original documents as I submitted my complaint online, that they ruled against me. I also filed a complaint with Early Warning and they said that the information Bank of America was deemed accurate. This is on my credit report as well as Early warnings report therefore preventing me from opening my own account. I have done all I could do and now there is no other option.
Product: Debt collection

There is one account in collections on my credit report. I sent a letter to the collection agency asking for the copy of the signed credit application for thed debt since the account is not mine. It appears as if my identity was stolen and someone took out a credit card in my name. The credit card company sold the account to this collection agency called : LVNV FundingXXXX Resurgent Capital Services. On XXXX XXXX, XXXX, I sent a letter to LVNV Funding,  requesting a copy of the signed application. The company that replied was Resurgent Capital Services. They sent me copies of Statements. On XXXX/XXXX/XXXX, I replied to their letter advising they sent me statements, however they did not send me a copy of the signed credit application so I can report this account as fraud to my local precint. I have not received the copy of the signed credit application as of XXXX/XXXX/XXXX.
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 Account Number:XXXX Account Name : XXXX XXXX XXXX  Account Number:XXXX Account Name : XXXX Account Number:XXXX  Account Name : XXXX 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 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: Checking or savings account

I have had this account for 20 years. I deposted a check into my checking account on XX/XX/2023 @ the ATM and on the next day XX/XX/2023 I checked my account online and the money from the check was available to use there was no hold on my funds neighter did I recieve an email are text telling me that my funds was on hold, so I used some of it for my needs later during the day I went to the store and my account was declined. I came home and checked my online banking @ Wells Fargo and found that my account was negative {$2800.00} to my surprise when I called the customer service line I was told my check had been placed on hold for possible fraud by the Federal resure by the online bank manger. I said to them this Check was from XXXX  XXXX and there was no problem, I asked why there was not a hold placed on my check when I deposited I would have know not to use any of the funds and most importanly I would not have been able to use it. I was told because I was a long term customer Although, I never recieved and email or a call saying my funds was on hold, he said but the Federal Reserve changed their mind and said a 10 day hold should be placed on the funds. I asked the bank manger would he remove the hold since I am a long time customer. He said that there was nothing he could do the Federal Reserve said No. on XX/XX/2023 I recieved a email saiyng my deposit was on hold and I need to make a deposit to clear up my over draft, later during the day Wells Fargo cleared out my saving account of all money there and also took all of the money from my credit card to try and clear the over draft without my permission. Then they told me I will be charged over draft fees if I did not clear up the over draft, while they still are holding my deposit for the next 10 days. I was made to feel like a criminal and I felt racially profiled. I also felt embrassed while in the store trying to make a purchase when I knew that there was money in my account. Thank you
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate information on my credit report due to my recent XXXX XXXX XXXX XXXXg. I have identified several accounts and/or pieces of information on my credit report that are incorrect and were not authorized by me.
Product: Money transfer, virtual currency, or money service

I am writing to normally 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 that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. The 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

In accordance with the Fair Credit Reporting Act, XXXX XXXXXXXX # XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Debt or credit management

In XXXX of XXXX, I saw a collection reporting from XXXX. I called XXXX in XX/XX/XXXX and they advised me that my debt was with a creditor called XXXX. I called the number they provided and settled the debt for {$610.00} and the payment came out of my account on XX/XX/XXXX. XXXX advised they would delete the debt from my credit report. In XXXX of XXXX the debt reappeared on my credit report and I started getting phone calls from another collection agency, XXXX. I advised them the same information that the debt had been paid but they said XXXX had sent my account to their collections department. I then called XXXX and they had no record of my debt, despite providing them proof of the bank statement showing my payment going to them. I then called XXXX, they didn't even have a record of me. It took 30 minutes for the agent on the phone to find some of my information and she said they had never received any payment. They advised to send an email to their billing/collection department so they could " investigate '' and they would respond in XXXX hours. I emailed them on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. We have never received a response of the validation of the debt which is required to be provided within 30 days or the debt must be deleted. Today, XX/XX/XXXX, my fianc received a phone call from Transworld systems Inc, looking for me. She provided my number to them. I called them and requested a validation of debt and was hung up on. I have also sent them the email of showing proof of the payment made to XXXX in XX/XX/XXXX and requested validation of the debt. We never received a response. I have settled this debt and was told it would be removed or at the least show as paid. It has impacted my credit score and my ability to refinance my house, it is affecting my livelihood and neither creditor or XXXX has fulfilled a validation of the debt or investigated properly that this debt was settled and paid. The problem is, now the debt has been paid yet we have no proof of the debt being paid by either party. They have harassed me and my family and we need this matter settled as there really is no entity holding these parties accountable for collecting payments from consumers. I am happy to provide the proof of payment of forward the emails sent to the parties. XXXX advised us to send proof of the payment to an email and they would provide that to XXXX. On XX/XX/XXXX we provided XXXX proof of the payment to the previous debt collector and they have not responded and the phone reps have no answer. We have emailed XXXX 3 times with the same proof of payment and they will not respond to that either. When we call XXXX they will transfer us to XXXX XXXX. I have submitted the proof of my bank statement showing the debt being paid in XX/XX/XXXX to XXXX when they held the debt for XXXX.
Product: Debt collection

I have not recieved documents that I requested! Please help me!
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX XXXX  XXXX cant provide to my XXXX XXXX  XXXX  daughter PLEASE HELP ME PLEASE.
Product: Mortgage

Please see the attached XXXX Page Scanned Document, which is self explanatory and yet to be responded by ASC.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity was stolen and this loan was obtained fraudulently. I have submitted dispute letters and a FTC report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely repaired XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX Ohio XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Subject : Dispute of Inaccurate Credit Information Re : Account with XXXX XXXX XXXX Account Number : XXXX Dear, XXXX I am writing to formally dispute inaccuracies in the credit report you have on file for me. After reviewing my report, I have found incorrect information regarding the above-referenced account. Below are the specific inaccuracies and supporting details : XXXX. Payment History Reporting : Your report shows 180 days late in XX/XX/XXXX. However, the account was closed and paid in settlement in XX/XX/XXXX, as reflected under the XXXX section. Reporting delinquency after the account was settled is factually incorrect. 
Additionally, the report reflects ongoing delinquencies for several months in XXXX ( e.g., 180 days late for XXXX, XXXX, and XXXX ), but the account was not active during this period, based on the settlement agreement. 
XXXX. Account XXXX : The account status is listed as Paid in settlement, but the reporting of delinquencies in XX/XX/XXXX conflicts with this status. Once an account is settled, no further late payments should be reported. 

This inaccurate reporting violates the Fair Credit Reporting Act ( FCRA ), specifically : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Credit reporting agencies must follow reasonable procedures to assure maximum possible accuracy of information. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX When disputed, inaccurate or unverifiable information must be corrected or deleted promptly. 

I kindly request that you investigate this matter, verify the information with XXXX XXXX XXXX, and update or remove the inaccurate entries. Please provide me with the results of your investigation and an updated copy of my credit report. 

Thank you for addressing this matter promptly. I expect a response within the timeframes outlined by the FCRA. If you need additional information, please contact me at ( XXXX ) XXXX or XXXX Sincerely, XXXX XXXX