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

I have received a copy on my consumer reports and I notice you have furnished transactions on my consumer report that is excluded by law as per the FCRA 15 USC 1681a 2Ai. ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; A consumers transactions are excluded from the consumer reports. XXXX and or any other Risk score or algorithm that you use to calculate a consumers credit score is not a factor where the consumer report is concerned! Definition of what the consumer report means. consumer report In general. The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title. XXXX or non of its factors are not defined or included in the definition of the consumer report! Therefore the reporting of transactions between the consumer ( ME ) and the Person ( company ) is a violation of 15 USC 1681a the definition of the consumer report does not include XXXX or XXXX which makes their factors or algorithm not a factor where the consumer report is concerned. You have furnished transaction information on the following accounts. XXXX XXXX BANK XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX These companies has charged fraudulent late fees and in addition inserted late payments on my consumer report, all payments were made on time, all payments were exact and all payments were made on their respective due date. My account with these companies were never late! This was clearly a billing error, and a double dipping scheme. This act is shameful it has caused severe hard to my reputation, my character, my mode of living and to my family! I need the following late payments Reversed to current /paid as agreed 15 USC 1666b ( a ) Time to make payments 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: Checking or savings account

On XX/XX/XXXX BMO Harris paid on my behalf {$2300.00} to XXXX XXXX, for my home loan. This payment was made by mistake, as the XX/XX/XXXX house payment was made XX/XX/XXXX. 
Calling BMO customer service, I was told due to insufficient funds, the payment would be returned to my account XX/XX/XXXX. At this time, I was told the issue was resolved, and no further action was required. 
XX/XX/XXXX, the payment was processed again, causing yet another negative balance. 
A stop payment was issued on my behalf by the XXXX XXXX BMO branch. 

XX/XX/XXXX, the payment was processed again, causing yet another negative balance. 

Recapping : BMO Harris sent money on my behalf 3 times, without my permission, ignoring my request to cease. 

BMO continually put the blame on XXXX XXXX XXXX, though in fact they had nothing to do with the issue. 

19 phone calls to BMO, a total of over 9 hours of time on the phone.

5 phone calls to XXXX for a total of 1 hour.

5 separate days with no money available in my account.

At times, rude treatment, especially from BMO bill pay department. 

Key contacts with BMO XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( no last name ) bill pay manger
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  lowered my credit score without reason. I contacted them and they refuse to review my account.
Product: Debt collection

Kia finance will call repeatedly before your payment is due. My payment is due the XXXX of every month and they have called me on the XXXX, on a weekend, and after XXXX pm several times. They have also threatened me by saying I could face repossession of my vehicle because I didn't pay yet and this was XXXX day late. They have been harassing me like this since XXXX. I've never missed a payment or paid past the grace period.
Product: Credit reporting or other personal consumer reports

Transunion XXXX and XXXX are reporting inaccurate information on my credit report. And continue to violate 15 U.S. Code 8 16815-2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION. This erroneous information is ruining my credibility, and I would like it removed entirely from my credit report. List of inaccurate information : the reporting of XXXX XXXX XXXX XXXX XXXX XXXX is inaccurate and must be deleted as INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT, which makes the reporting of these accounts Inaccurate. Once again, 15 U.S. Code 8 16815-2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION PROHIBITION ( A ) Reporting Information with actual knowledge of errors 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 data is inaccurate. Duty : a moral or legal obligation ; a responsibility. Accurate : correct in all details ; exact. PROHIBITION : a law or regulation forbidding something As Defined by the IRS. Even if you didn't receive a Form 1099-C, you must report the canceled debt as gross Income on your tax return. The IRS Clearly defines a charge-off as Gross or Ordinary Income. INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT, which makes your reporting of this account Inaccurate. Both XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX are inaccurate and must be removed.
Product: Debt collection

I have a open debt with XXXX with the account number of # XXXX that was open XX/XX/2016. Its a debt of XXXX $ that was open until XX/XX/2016. I am a victim of identity theft. somebody as been using my social security number in opening numerous accounts.
Product: Bank account or service

I transferred XXXX IRA 's to Merrill lynch last year. From the time I opened my account I was asked repeatedly by the broker in XXXX to return to his office to fill out the same forms over and over again. I also was asked to provide a death certificate for the inherited IRA, which I did to the merrill lynch broker in XXXX and again to another merrill lynch broker in XXXX. I had to provide the death certificate before I could withdraw the RMD required minimum distribution. I also filled out forms so the RMD would be withdrawn automatically and sent to me. last Friday I called merrill lynch to see what happened to my RMD. I was told they dont have the form for an automatic withdrawal on file but they would send me a check as I requested. Shortly thereafter I received a message on my phone telling me to call merrill lynch. I did and when I was finally able to get through their automated phone system i was told they refuse to send me MY money from MY account in the RMD unless I send them a copy of the death certificate, which i already did twice. If I do n't receive the RMD before year end I will have a problem with the IRS. I ask you to contact merrill lynch and get me my money now, I also read in the past merrill lynch entered into a consent decree when sued by you, Apparently merrill lynch does not take you seriously as they continue to flout the law, therefore I ask you to fine the as much money as you can and to revoke the brokers licenses of all those involved in attempting to deny me access to my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

In previous months, I requested correction of inaccurate information which another credit reporting agency found to be inaccurate and had updated. Due to Bureaus lack of response which I classify as frivolous, Experian, XXXX, and XXXX have dishonored FCRA regulations and my request for verification. If they wish to correct this dishonor, I will give them one more chance to correct their errors and update my records. Please update the following accounts, which CREDIT BUREAUS have failed to provide proper verification and another bureau has found to be inaccurate. You have 30 days to FIX the accounts listed below : XXXX XXXX XXXX XXXX XXXX Balance {$7700.00} ; XXXX XXXX  XXXX Balance {$8200.00}
Product: Debt collection

I hope this letter finds you well. I am writing to bring to your attention a grave matter that requires immediate resolution. After conducting a recent review of my credit report, I discovered several entries indicating bankruptcy claims associated with my name. I want to emphasize that I have no knowledge of these bankruptcies, and they are entirely erroneous. It has become apparent that I am a victim of identity theft, and I am reaching out to seek your assistance in rectifying this urgent matter. 

The details of the inaccurate bankruptcy claims are as follows : XXXXXXXX XXXX XXXX XXXX XXXX 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 I vehemently dispute these bankruptcy claims and wish to emphasize that they are a result of identity theft. I have attached a copy of my identification, along with any supporting documentation, to validate my claim. I request a thorough investigation into this matter to determine the origin of these fraudulent activities and to take the necessary steps to remove these inaccuracies from my credit report. 

Please provide a written confirmation once the investigation is complete and the inaccuracies have been rectified. Additionally, I request that you take steps to enhance the security measures on my credit file to prevent further instances of identity theft. 

Thank you for your cooperation in addressing this critical issue promptly.
Product: Credit reporting or other personal consumer reports

Experian Membership account number XXXX Also have not been no member since XX/XX/year> as stated by Experian membership. 

I have only sign up since last year I have tried to cancel Experian and it keeps popping up on my phone all day I do not want Experian membership services it is nothing more than a scam
Product: Mortgage

I have tried to payoff of LoanCare, XXXX this balance for over a week. I called XXXX XXXX to get a payoff amount. I questioned the amount given because it was principal only. I made that payment. I followed up and there was still a balance. I requested a new payoff XXXX XXXX. I received that statement, called that day and made the payment over the phone. the payoff was good through XXXX XXXX. I made the payment XXXX XXXX. I checked back on the website and there was still a balance. Someone called me XXXX XXXX and assured me the balance would be at XXXX when the all the updates were made. as of this morning, XXXX XXXX, there is a balance. The loan is set to be transferred to a new servicer as of tomorrow. I called today at approximately XXXX CDT and spoke with customer service then was transferred to XXXX XXXX The loan is still showing a balance. Someone at their company didn't do their job, and I'm having to follow up too many times.
Product: Debt collection

A debt that has already been waived & credited on a utility bill, has been taken care of as of today- XXXX/XXXX/2016. This issue of what I DO NOT OWE has been put on DEBT COLLECTION thru Virtuoso is still on my credit report- I do n't owe a XXXX- I need this company to take this debt out of collections, this has been resolved as I say it again, has been credited & I need Virtuoso to correct my credit report NOW. XXXX balance is what is NOW.
Product: Student loan

I received a letter in the mail dated XX/XX/2023 from discover student loans stating that they had incorrectly reported [ my ] account delinquent to the consumer reporting agencies. The letter included a {$50.00} check for compensation. I received 2 identical letters and 2 identical {$50.00} checks. I deposited one check into my bank. My bank flagged the check as fraudulent. I was charged a {$29.00} returned deposit fee and an {$18.00} overdraft fee. When I called Discover Student Loans on XX/XX/2023 to discuss this they acknowledged the mistake and said theyd be sending out another {$50.00} check at some point that would work and asked me to upload proof of the fees assessed by my bank. I asked to speak to a supervisor. The supervisor, XXXX, said she could probably authorize a {$47.00} deposit to cover the fees and that they would send another {$50.00} check. I asked XXXX to speak to her supervisor. I requested to speak to someone who was managing this issues as my co-signer also received bad checks from Discover Student Loans. I asked if this issue was affecting a larger number of people and XXXX said it wasnt just me, it was a system error that affected many people. I asked to speak to the case manager or supervisor who is dealing with this issue and I was told that person was in the back office and I would not be permitted to speak to them. I asked to speak to XXXX supervisor and was told that they had all gone home for the day. Also, Id like to note that this phone call was on XX/XX/23 and XXXX sounded intoxicated. I found the entire experience upsetting. At this point Discover Student Loans owes me {$97.00} and has not been successful at putting me on the phone with a sober supervisor or anyone that can tell me anything other than to upload a screenshot of my banking fees and expect another {$50.00} check at some point. I find it laughable that Discover Student Loans would like me to trust them and deposit another check at some from them if and whenever it arrives.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act the list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 15 USC 1681 602A States that I have a right to privacy.

15 USC 1681 section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

XXXX has failed to fulfill its legal obligation under Fair Credit Reporting Act ( FCRA ) to conduct reasonable investigation of disputed information on my credit report leaving inaccurate or unverified accounts unresolved.The consumer financial protection bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systematic issues such as failing to forward consumer-provided evidence to furnishers accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience where Experian has neither corrected or removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. Action to remove or amend the dispute accounts as Experienced inaction violates federal law and my right as a consumer.
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  Account Number : XXXX and list of Inquiries XXXX XXXX XXXX XXXXXXXX XXXX 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 card

We have banked with NFCU for over 40 years. 
We have 2 credit cards with NFCU. 
I am trying to pay off the balance in full via their own website from an outside account. 
I am not allowed to pay off the balance in full on the website. 
NFCU says is because of ach rules and limits. 
They stated that I can pay it off in {$10000.00} increments over several days. 
When I attempt to set this up on their website, I am not allowed after XXXX attempts - because only {$30000.00} can be sent in 5 days. 
The conflict comes in that they benefit financially from keeping me from paying off my debt. 
If I want to pay it all off today, I will have to wire the funds to a NFCU savings or checking account, incurring a wire fee. 
So, the banks all make money and the consumer stays in debt.
Product: Mortgage

I was on XXXX XXXX XXXX so I called us bank my lender they said I qualified for forbearance which I wouldnt have to pay for 6 months the failed to tell me it would all be due at the end of the the 6 months then right after that coved happened and my hours were reduced so I lost income. Im worried about losing my home. Under cares act I was hoping to get some kind of help or modification to my loan so I could resume normal payments being a single mother of XXXX
Product: Debt collection

The company " Credit Collections Bureau '' is continually harassing me for a debt I have already stated I do not owe, which they refuse to specify for what for the amount of XXXX.
Product: Money transfer, virtual currency, or money service

I have originally complained about my transaction which occurred on, On XX/XX/2023, and received payment by invoice from a tenant that I have residing in my home. I chose PAYPAL as a way of tracking my income and providing my tenants with proof of rental payments. I have had my PAYPAL account for quite some time and have never had an issue sending or receiving money, ever! Now, that I have chosen to use the services that they offer businesses such as invoicing, my account is shut down permanently and {$620.00} is being held hostage for 180 days. Even after speaking to several " Supervisors '' one of which explained that she had taken down enough information explaining the transaction and its purpose, and would " escalate '' my issue to the " backend '' department for review and that my funds would be made available for withdrawal by the next day, which would be XX/XX/2023. On XX/XX/2023, I checked the status of my account to find that my account had been closed, and my money would be held hostage for 180 days. There is no recourse of action, there is no " specific '' reason given to explain why my account has been restricted and my money is being kept hostage.

My funds and transactions are easily verifiable as not being a fraud, and PAYPAL neglects to validate any claim of fraud as they are accusing me of. They are keeping my money presenting hardships with my finances. Ironically, PAYPAL identified other accounts in my name with alleged limited account access, and supposedly negative balance. There are no negative account balances on none of my accounts. I only have a personal account and a business account. My personal account isn't limited, or restricted nor does it have a negative balance as this company is alleging. PAYPAL NEVER sent any notification as they claim. PAYPAY is an unethical company with unfair, biased operational standards. I am requesting that my funds be immediately released to me. There are too many ways to verify money from the sender, and the reason. A simple phone call to the party who sent me the money could have avoided this. PAYPAL is now holding my money in their account to gain interest. I should have a right to know where my money is and what is being done with it. I have no way of knowing what is going on with my money. I am going to follow this complaint up with a small claims matter in my city as well. I will be taking PAYPAL to court due to the hardships they are causing me. PAYPAL provides lies and generic reasons why they are holding my money. They have not provided any evidence to support their lie about me having a negative balance. I have access to this other account, and there is no negative balance. I should not have to wait 6 months for my funds. I will also contact social media, news, and any other agency that will help me fight this crook of a company. I want to have my money returned to me so I can eliminate all contact with PAYPAL. I am also going to file a police report against PAYPAL as well, and I am planning on suing this company.
Product: Mortgage

I received an email todAy Stating Im falling fallen behind with my mortgage. 
We noticed that you have fallen behind on your mortgage payment and are concerned that you may have been financially impacted by COVID-19.

If you have been financially impacted by COVID-19 and are unable to make your mortgage payment, you may qualify for a COVID-19 Forbearance plan, a temporary suspension of your monthly payments.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : ACCOUNT NAME ACCT # XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX # XXXX 15 U.S.C. 1681 section 602 A. States I have a right to privacy.

15 U.S.C. 1681 section 604 A 2 : It also states a consumer Reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681c. ( a ) ( 5 ) section states : No consumer reporting agency may make any consumer report containing any of the following items of information : Any other adverse item of information other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.