23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I opened this acc in XXXX this is old XXXX After that i moved to XXXX and i opened the acc from there and I received a money from my clients, My work is completely online in tourism in XXXX, i have website for tourism and clients text me on XXXX and make reservations for trips and theme parks tickits One of custome service called me in XXXX and said you should going to XXXX and add XXXX bank account for withdraw the amount, I did it already and opened bank acc in XXXX and added this acc in my PayPal acc, After that they limit me because they needed recipes for transactions but my business completely online as i told you, when i sent messages to explain that they close my acc and mailed me you should wait 180 day to restore that and withdraw a money I feel this was not fair on my part as I can not have control over how other people use their PayPal accounts I just really want my account back
Product: Checking or savings account

Overdraft Fee imposed XX/XX/year>. My attempts to secure intormation were not successful on that day.
Product: Credit reporting, credit repair services, or other personal consumer reports

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.

Accounts have violated my rights XXXX XXXX  XXXX : XXXX. XXXX, 2023 - {$11000.00} XXXX XXXX  Reported : XXXX. XXXX, 2023 - {$4600.00} XXXX XXXX  XXXX : XXXX. XXXX, 2023 - {$3400.00} XXXX XXXX  XXXX : XXXX. XXXX, 2023 - {$4400.00} XXXX XXXX  XXXX : XXXX. XXXX, 2023 - {$6200.00} XXXX XXXX  XXXX : XXXX. XXXX, 2023 - {$26000.00} XXXX XXXX  XXXX Reported : XXXX. XXXX, 2023 - {$760.00} XXXX XXXX  XXXX Reported : XXXX. XXXX, 2023 - {$1400.00} XXXX. XXXX XXXX  Reported : XXXX. XXXX, 2023 - {$980.00}. Violated my rights
Product: Debt collection

I do not know what this debt is therefore I attempted to have company remove but that was not successful.
Product: Money transfer, virtual currency, or money service

I am formally filing a complaint regarding Zelles handling of disputes. Despite using Zelle for numerous transactions and promptly 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.

This is particularly concerning in light of the recent CFPB lawsuit highlighting significant systemic issues with Zelle. The findings indicate that Zelle has neglected to protect consumers, allowing repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.

I request that the CFPB investigate Zelles dispute resolution process and ensure appropriate restitution for my lost funds, along with implementing improved consumer protections to prevent similar occurrences.
Product: Credit reporting or other personal consumer reports

National Recovery Agency obtained my personal information without my consent. I have no knowledge of the company/person. I do not know who this person/company is. I have never did business with this person/company, nor did I ever agree to do business with this person/company. There is no signed contract, and I am not responsible for any alleged debt with this person/company. I did not agree to any type of communication with this person/company.
Product: Credit reporting or other personal consumer reports

All 3 credit reporting agencies have had continue to have incorrect information in EVERY aspect Of my credit report for over 20 YEARS. I had identity theft, another woman XXXX XXXX info on my report didnt even have same social. My past work is incorrect names addresses numbers more importantly missing age of credit, hard inquirer wont remove that arent mine hundreds of dark web inquiries, debts that were included in my bankruptcy still on my report and the bankruptcy should not be a problem any longer. Additionally cards and debts sold my info to 3rd parties which need to be removed as I am not responsible for those and have no agreement with them My life quality of life and unfair penalizing have been detrimental and I am so tired of spending year after year after year enough already WE THE PEOPLE ARE SUFFERING ENOUGH stop punishing me for your mistakes
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX XXXXXXXX, IA XXXX Subject : Formal Complaint Regarding Inaccurate Information on Credit Report Dear CFPB, I am writing to formally submit a complaint regarding inaccurate information reported by XXXX on my credit report. The inaccuracies in question are reflected in the following account ( s ) on the respective date ( s ) : INACCURATE INFORMATION DATE : XX/XX/XXXX INACCURATE INFORMATION DATE : XX/XX/XXXX INACCURATE INFORMATION DATE : XX/XX/XXXX INACCURATE INFORMATION DATE : XX/XX/XXXX According to 15 USC 1681i ( a ) ( 1 ) ( A ), it is my understanding that consumer reporting agencies are required to conduct a reasonable investigation of disputed information. The inaccurate information reported by XXXX adversely impacts my creditworthiness, and I believe this is a violation of the aforementioned statute. 
Furthermore, I request that XXXX provide documentation that demonstrates the accuracy of the information reported on my credit file. This should include any supporting evidence or statements that verify the validity of the information in question, as mandated by 15 USC 1681s-2 ( a ) ( 1 ) ( A ). 
Under the Fair Credit Reporting Act ( FCRA ), you have 30 days from the receipt of this letter to provide the requested documentation. If you are unable to verify the accuracy of the information within this timeframe, I request that these inaccuracies be removed from my credit report and that my file be updated accordingly with all relevant consumer reporting agencies, including but not limited to Equifax, XXXX, and XXXX. 
Please ensure that any corrections or updates made to my credit file are communicated to me at the address listed below. I appreciate your prompt attention to this matter and expect a resolution that accurately reflects my credit standing. 
Thank you for your time and consideration. I look forward to a positive resolution. 
Sincerely, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM WRITTING TO YOU BECAUSE I HAVE RECENTLY REVIEWED MY CREDIT PROFILE AND FOUND THAT I HAVE MULITIPLE ERRORS BEING REPORTED, SPECIFFICALY SOME UNAUTHORIZED HARD INQURIES. I RECEIVED AN EMAIL FROM MY BANK TELLING ME THERE WAS A DECREASE IN MY CREDIT PROFILE. I DO NOT KNOW, OWN, OR GIVE AUTHORIZATION OF ANY OF THE ACCOUNTS LISTED. THIS IS UNAUTHORIZED USE OF THE SOCIAL SECURITY NUMBER/ CREDIT CARD PURUSANT TO 15 U.S.C. 1602 ( L ) AND 15 U.S.C. 1602 ( P ). WHICH IS A CRIMINAL LIABILITY PURSUANT TO 15 U.S.C. 1611 FOR WILLFUL AND KNOWING VIOLATIONS OF FEDERAL LAW AND THE FAIR CREDIT REPORTING ACT. I HAVE FILED A IDENTITY THEFT REPORT WITH IDENTITY THEFT.GOV. PLEASE SEE THE ATTACHED. THE ACCOUNTS LISTED HAVE BE OPEN WITHOUT THE CONSENT OF THE CONSUMER. I HAVE NOT RECEIVED ANY BENEFITS FROM THE UNAUTHORIZED USE OF THE ACCOUNTS LISTED AND I DEMAND THAT ALL PROCEEDS GENERATED IN THE NAME OF THE CONSUMER BE RETURNED IMMEDIATELY AND FOR THE CONSUMERS CREDIT PROFILE BE RESTORED TO XXXX AS IT PREVIOUSLY WAS. 

XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX PURSUANT TO 15 U.S.C. 1681 ( a ) ( 4 ), There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy- THIS IS A VIOLATION OF PRIVACY AND I DEMAND THESE UNAUTHORIZED ACCOUNTS BE REMOVED. 

SINCE THERE IS NO BUSINESS AGREEMENT OR CONTRACT BETWEEN ME AND THE CREDITORS LISTED ABOVE AND THEY DID NOT HAVE MY AUTHORIZATION, VERBAL OR WRITTEN, I DEMAND THAT YOU DELETE THESE UNAUTHORIZED USER AND INQUIRIES FROM MY CREDIT PROFILE IMMEDIATELY AS THERE IS NO EVIDENCE OF ANY AUTHORIZATION TO DO BUSINESS OF ANY KIND. 

PURSUANT TO 18 U.S.C. 1028 ( A ) ( 7 ) - knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person with the intent to commit, or to aid or abet, or in connection with, any unlawful activity that constitutes a violation of Federal law, or that constitutes a felony under any applicable State or local law. 

THESE ACTIONS ARE CRIMINAL AND UNLAWFUL. THE COMPANIES LISTED ARE REPORTED ON XXXX, TRANSUNION, AND XXXX.
Product: Credit card or prepaid card

I was sent a  Chase Amazon  Rewards credit card for which I never applied, and with an {$8500.00} limit. When I called the number on the back of the card, I was transferred to a fraud protection organization. The representative said she was canceling the account but would not give  me ANY information, such as if other cards were opened on the same account, if the card was ordered in conjunction with an Amazon purchase, etc. The representative would only stick to her script. This makes me wonder if opening the account in my name was an inside job ...
Product: Credit reporting or other personal consumer reports

Per, - 15 USC 6801-5 : This section pertains to the protection of nonpublic personal information by financial institutions. You can mention how the credit reporting agency may have failed to adequately protect your personal information.

- 15 USC 1681 : This section is part of the Fair Credit Reporting Act ( FCRA ) and outlines the obligations of credit reporting agencies in ensuring the accuracy of the information they report. You can include examples of inaccuracies in your credit report.

- The Privacy Act of 1974 : This act governs the collection, use, and dissemination of personal information by federal agencies. You can mention how the credit reporting agency may have violated your privacy rights.

- The Family and Education Act of 1974 : This act provides for the confidentiality of student education records. If the credit reporting agency has included inaccurate information about student loans on your credit report, you can cite this act.

- FCRA 1681 sec 602 : This section of the FCRA deals with the responsibilities of furnishers of information to credit reporting agencies. You can mention how the credit reporting agency may have failed to verify the accuracy of the information they received from creditors.

- 16 CFR 313 16 CFR 433.2-3 : These sections pertain to the requirements for providing accurate information to consumers. You can cite these sections to support your argument that the credit reporting agency has not provided accurate information about your charges offs, inquiries, and personal information.

Please see attached.
Product: Credit card or prepaid card

This is my payment receipt The payment wasn't confirmed on the game but it did reduce my account balance. 
Google XXXX Thank you. 
You've made a purchase from XXXX XXXX XXXX XXXX on Google XXXX. 

Order number : XXXX Order date : XX/XX/2020 XXXX XXXX CDT Item Price XXXXXXXX XXXX ( XXXX XXXX XXXX : XXXX ) {$4.00} Tax : {$0.00} Total : {$5.00}
Product: Debt collection

This company is violating my rights they have not provided validation Information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on my consumer report recently.

I have made previous attempts to fix this issue directly with them and They are violating my rights. I'm entitled to {$1000.00} for every violation I listed, they either pay me or delete these accounts ASAP. Delete ASAP
Product: Debt collection

To Whom it May Concern, I recently pulled my credit reports and noticed you are reporting the incorrect balance for this account, ACCOUNT NAME-XXXX XXXX  ACCOUNT # - XXXX**** BALANCE- {$3000.00} This account has not been properly verified, Please delete this account immediately.
Product: Payday loan, title loan, or personal loan

The issue is with my Line of Credit, I've added documents to show there is a huge problem when you look at the summary of payments for principal & Interest. There are payments made each month. When you look at your payments of Interest, you will see immediately something is wrong ... The payment is not set up to put an amount that is incorrect, or not include a payment of principal or interest. 
The entire payment has always been made & when I actually look at my account, there's some things going on that is affecting my credit & moving forward. I've called trying to get things resolved, no response or I got a call a couple days ago & voicemail was left it could take up to 30 days to get back to me?? That's when I registered with CFPB
Product: Student loan

My student loans were all discharged through XXXX XXXX XXXX XXXX XXXX lawsuit. I have been calling the Department of Education and Nelnet for several months trying to get my loans that were supposed to be discharged straightened out. I have filed complaints, requested call backs, asked to escalate the issue and asked several direct questions and I GET NO answers. Every time I call, I am told it takes time, call back in a month, keep checking your account. My servicer has stated that have received notification from the Dept of Ed that all of the student loans are to be discharged. My servicer will not move forward and discharge my 2 student loans that remain because they say they have not received payment from the Dept of Ed to discharge them. The Dept of ED states that all of my loans are coded as being discharged that there is nothing further that they need to do to reach out to Nelnet. I have uploaded documents and get no response. The Dept of Ed points the finger at Nelnet and Nelnet points the finger at the Dept of Ed. They have been given a full year to have all of this resolved and to have all of the student loans removed from my credit report and failed to do so. I have been told don't worry about it by Nelnet.
Product: Credit card or prepaid card

On XX/XX/2018 my bill for account CAPITAL ONE BANK USA did not go through when it was on the auto-bill in the bank XXXX. I reached out to the company and they said that they saw the payment try to come out of the bank but it was rejected. They never notified me of the rejection and gave me this late payment.
Product: Debt collection

In response to many complaints that I have submitted against SALLIE MAE. My name is XXXX XXXX a federally protected consumer, an agent and principle, holder in due course and attorney in fact to XXXX XXXX. In reference to Account # : XXXX And follow up to cfpb complaint # XXXX Im aware Sallie Mae stated Please understand that under the Fair Credit Reporting Act, as a data furnisher, we are required to report accurate and complete information to the consumer reporting agencies Im aware that Sallie Mae is making false statements that will now be used against in court. 

I recently received my trimerged credit report on XX/XX/2022 and spotted that Sallie Mae is reporting inaccurate payment history on my credit report. 

On XXXX, Sallie Mae is reporting that i was past due 60 days once and past due 90 days 3 times. How is that true when an account is suppose to become 30,60,90,120, CO in proper reporting standers. 

On XXXX, Sallie Mae is reporting that i have never been late not once on this account. So whats actually thee truth. 

The information on my credit report on inaccurate and not complete. 

I understand that Sallie Mae has violated the FCRA and i have attached viable proof that will be use as an exhibit in federal court. 

I am also aware that Nonpublic personal information is supposed to be EXCLUDED from my credit report. Nonpublic personal information includes transactions between me and the furnisher. Late payments and charge offs are transactions. Sallie Mae has engaged in using unlawful extortionate means which is a violation of 18 usc 894.
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 XXXXXXXX Account XXXX Account Name : XXXX XXXX  XXXX Account XXXX : has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX Account number 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 an account without my written instructions.
Product: Debt collection

This is a credit card debt with XXXX XXXX XXXX debt collection is from XXXX XXXX but was LVNV XXXX debt was in 2016 but I know it was earlier so there is a statue of limitations in Florida XXXX years and before the email they called me too so I do t want anymore emails or phone calls can you help. 





Thank you Ms XXXX XXXX
Product: Mortgage

I have been fighting foreclosure since XXXX in efforts to save my home. I purchased the home in XXXX from XXXX, they closed and the loan was transferred and is now being serviced by XXXX. Initially the home was puchased with someone, but the relationship ended less than a year later causing the initial hardship due to loss of income in the home. In XXXX we completed a quick claim deed removing his interest in the property. During that time the loan was modified but circumsatances, job loss prevented me from being able to complete it. I am now gainfully employed and could easily afford the mortgage but the arrearage has prevented any positive resolution. Because of how long this has been going on, my loan is in default of about {$100000.00} as of XX/XX/XXXX. There was a program in place called the IL XXXX Assistance XXXX ( XXXX ) that was offering up to {$60000.00} which I was approved for as long as I could bring the past due down to $ XXXX or less. I found an investor, XXXX XXXX who obtained power of attorney in an attempt to negotiate with XXXX  on my behalf. He offered an additional $ XXXX bringing total funds available to $ XXXX to go toward the past due and they would not consider it. I was told that they would not give another modification because over the loan I had maxed out but I learned that there is no maximum amount allowed and they still have over XXXX XXXX dollars provided from the federal government that they are required to use and that they are choosing not to work with consumers. I did not want to lose my home and have exhausted my resources in efforts to resolve this. Since all has been unsuccessful, I am now attempting to resolve this via a short sale agreement that was submitted earlier this month and so far XXXX has not responded.
Product: Debt collection

XXXX XXXX XXXX. of XXXX XXXX XXXX XXXX XXXX handled the foreclosure matter on our home. We sold our home on XX/XX/XXXX, 2 months before the scheduled sheriff sale date of XX/XX/XXXX, and XXXX XXXX asked for and received the sellers disclosure on XX/XX/XXXX. We also signed a confidential settlement agreement that XXXX XXXX prepared. However, XXXX XXXX refused to cancel the sheriff sale even after we contacted the sheriff department, told them the house was sold, and the sheriff department reached out to XXXX XXXX to cancel the sale. XXXX XXXX still did not cancel the sale. Our name was wrongfully published for 2 months on every auction website and we were inundated and harassed by attorney and realtor solicitations. We were also contacted by family members and old neighbors advising us that our SOLD home was still up for sheriff sale. The sale was never canceled despite all our attempts to get XXXX XXXX to do his job and cancel the sale. We do n't know why a debt collection firm would behave in this type of unethical and harmful behavior other than to cause our family severe emotional distress and to cause us financial harm. We have tried to settle this matter with them. XXXX XXXX 's response has been to threaten us with in-house legal action when we informed him of our intent to file an ethics complaint as well as this complaint with the CFPB. XXXX XXXX XXXX XXXX XXXX is well known for their abuse of homeowners. In this case, they should not be allowed to intentionally inflict pain and suffering on homeowners who have already sold their home. We sold our home and 2 months later we went to sheriff sale. There should be consequences for this type of criminal behavior. The real question is ... why did he do it? Was taking it to the sheriff sale date an important milestone that needed to be met in order to trigger insurance payoffs or other incentive pay. I strongly suspect this is the case and the CFPB should be looking into this matter closely.
Product: Credit reporting or other personal consumer reports

I requested that the charge belongs to my son it does not belong to me it was his account XXXX XX/XX/scrub>XXXX, also it is old past the 7 year mark. Needs to be removed from my credit report