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

In accordance with fair credit reporting act. 
The list of accounts below has value my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account names : XXXX XXXX account number : XXXX. XXXX account number : XXXX. XXXX account number : XXXX. XXXX XXXX XXXX account number : XXXX. XXXX XXXX account number : XXXX. XXXX XXXX account number : XXXXXXXX XXXX XXXX loans account number : XXXX. XXXXXXXX XXXX Loans account number:XXXX. XXXX XXXX XXXX Loans account number XXXX. Has violating my rights. 15 U.S.C 1681! Section 602 A states I have the right to privacy .15 U.S.C 1681605 A section 2 : it also states a consumer report, and she can not furnish 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, 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 report agency if the person knows or has reasonable call to believe that the information is inaccurate.
Product: Money transfer, virtual currency, or money service

i am writing to formally 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. 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 the scam
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX XXXX XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account XXXX : XXXX Account Name : XXXX Account Number : LXXXX Account Name : XXXX XXXX  Account Number : XXXX INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX EXPERIAN XXXX XXXX  XXXX XXXX XXXX XXXX XXXX NA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Mortgage

XX/XX/XXXX Home was purchased XX/XX/XXXX XX/XX/XXXX Included in Discharged Bankruptcy ( payments were voluntarily paid ) XX/XX/XXXX last month loan was serviced by XXXX XXXX XXXX XX/XX/XXXX first month serviced by XXXX XXXX XXXX XX/XX/XXXX servicing transferred to XXXX XX/XX/XXXX XXXX sent a letter that I could not receive monthly statements due to bankruptcy XX/XX/XXXX last payment I ever made XX/XX/XXXX servicing transferred to Caliber Home Loans  XX/XX/XXXX sheriff sale notice XXXX Judicial Foreclosure XXXX property sold to private buyer XXXX received a XXXX from Caliber Home Loans Marked ( # 5 that I was personally responsible for the repayment of debt )
Product: Debt collection

On XX/XX/2018 a company called WAKEFIELD AND ASSOCIATES opened a collection account saying I owe  {$610.00}. They have also charged me more money it might have been over {$1000.00}, I was able to dispute it. For some reason they are not letting go of this claim which is around the same time they opened this account. I don't understand how they are still saying I am responsible for paying for it but have disputed the other claims? My own insurance has stated that I am not responsible to pay for it. I was insured for 2018 and my medical bills are usually all paid for. I never received a bill from the doctor. I only started getting calls around after 2018 but in never answered. This company is just trying to get money from me and scam me.
Product: Checking or savings account

My Name is XXXX XXXX XXXX my Company is XXXX XXXX XXXX the Bank Im making a complaint against is Bank of America. I have been a Member since XXXX  and recently started getting charges and no action or help in return remedy to take off the charge and stop these companies from having access to my bank account. Regardless of the proof I continually sent BofA they let XXXX XXXX XXXX, XXXX XXXX, and numerous others take over XXXX dollars out of my account and all the money I have deposited and no matter how many times I made them aware of these transactions and how fraudulent they were they still kept them processing my money and wouldnt let me have any Protection from illegal transactions. This is why no one Trusts any Banks or institutions anymore! They let the fraudulent transactions happen and then make the consumer pay for it and then treat us like a thief instead of a victim. Im done with this nonsense and I demand my Checking Account be reinstated immediately and reimbursed for over XXXX dollars of the fraudulent charges I have filed against but found no remedy only discrimination. Please CFPB I need your assistance in this matter. Thank you
Product: Student loan

I was contacted by Equitable Acceptance through United States Postal Services. Equitable Acceptance informed me that they can help me get my loan forgiven in which it would cost {$150.00} to start the paper work. My monthly payments started with them on XX/XX/XXXX at that time I was not informed that I would be paying interest on my account repayment. I attempted to contact Equitable Acceptance on XX/XX/XXXX to inform them that my bank account information has been changed and to provide them with current account number. I could not contact them untilXX/XX/XXXXeven after leaving a voicemail they never followed up with me. I was told today, " That I could not request to have services cancelled because I signed an agreement which would eventually affect my credit because they reported it to the Credit Bureau. The representative told me I am obligated to pay them these fees when I feel there is no service being rendered. He told me, " That Student Advocates had consilated the loan and to contact them. '' I then contacted Student Advocates who informed me that yes they did reconsolidate my loan and for me to contact XXXX to verify that they indeed took over the loan. So I contacted XXXX next to follow up on my student loan. XXXX then reviewed my account and informed me that there had been no recent consolidations on my loan other than back in XX/XX/XXXX. I was also told by XXXX  " That the services Equitable Acceptance are charging me for are free of charge through fed loan. They told me to contact my bank with concerns to avoid future monthly charges out of my account. I paid Equitable Acceptance {$150.00} to start paperwork and {$49.00} a month of which {$19.00} of that payment is towards interest and I was not informed of that prior to signing any kind of agreement. I do not want them to affect my credit please help me find a solution. Equitable Acceptance told me that they could not email, scan or fax over a copy of the agreement I signed for me to review. I was told they can only mail it out. I am waiting to receive agreement so that I can forward it over to Consumer Complaints.
Product: Credit reporting

I am divorced from XXXX as recorded on XXXX XXXX, 2013 in the XXXX XXXX XXXX XXXX, KY. As part of my divorce decree, my ex-wife was deemed entirely responsible for a loan we jointly entered into when married. This loan is with XXXX and was a loan used to improve a house of which she has current ownership. Even though the payments are less than {$200.00} a month, she has not made them in a timely fashion. I realize that my name is still on the bank records for this loan, but my decree shows that this responsibility is hers and hers alone. The negative impact her continuing poor financial management is having on my credit score is unreasonable. I respectfully request that this entry is removed from my credit score. 
Finally, I feel wrongly penalized for the credit inquiries I have had to request in pursuit of rehabbing my credit after divorce from my financially irresponsible ex-wife. How is a man who has served his country supposed to recover from the financial devastation wreaked by the person at home who was trusted to manage those finances if not by getting records and assessing damage? Please, is there any way to remove the negative rating these inquiries give me?
Product: Credit reporting, credit repair services, or other personal consumer reports

After all the recent media Ive been seeing about hacks of millions of Americans information. I received a copy of my credit report and noticed several accounts that were not mine, and reporting inaccurately to the credit bureaus I filed a police report to notify authorities. So far no actions have been taking by any of the credit bureaus. 


BELOW are the Company, Account #, Dates OPEN and Balances for inaccuracies reporting on my credit report : Company : XXXX XXXX XXXX Account # : XXXX  Date Open : XX/XX/XXXX Balance : {$1100.00} Company : XXXX/XXXX  Account # :XXXX Date Open : XX/XX/XXXX Balance : {$700.00} Company : XXXX  Account # :XXXX  Date Open:XX/XX/XXXX Balance : {$1400.00} Company : XXXX   XXXX/XXXX XXXX  Account # : XXXX Date Open : XX/XX/XXXX Balance : {$11000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On X/XX/2017, I mailed a dispute letter to XXXX asking them to remove a negative account, XXXX XXXX XXXX from my credit report OR to verify that the debt belonged to me and to send me the name, address and phone number of the person that verified the debt. I wanted them to obtain physical proof. The dispute result came back as " updated and verified ''. In addition, XXXX has allowed this company to raise the balance owed on more than one occasion. I have NO open account with this company and yet, XXXX keeps allowing them to raise the balance. I am desperately trying to buy a home and this is keeping me from that goal.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected XXXX XXXX XXXX   Balance : {$10000.00}, XXXX XXXX   Balance : {$3100.00}, XXXX XXXX XXXX  Balance : {$19000.00}, XXXX XXXX XXXX Balance : {$0.0XXXX XXXX XXXX XXXX  Balance : {$1100.00}XXXX XXXX XXXX XXXX Balance : {$3300.00}XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX  Balance : {$5000.00}, XXXX XXXX XXXX Balance : {$1100.00}.
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. 

Account name : XXXX XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX XXXX XXXX Account name : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Account name : U.S. DEPARTMENT OF EDUCATION XXXX Account name : U.S. DEPARTMENT OF EDUCATION XXXX Account name : U.S. DEPARTMENT OF EDUCATION XXXX Account name : 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 : 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

I received your mail Equifax, you seem to be confused about my request to have negative items removed from my credit report. you Equifax are committing fraud! According to chapter 15 U.S code section 1681 states a consumer report should not include a ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. to put in layman terms the experiences reported on my credit report like utilization is not permitted. all accounts on my report showing balances should be removed immediately! my accounts should show zero balances. all inquires should be removed. furthermore it also states that my report ( 2 ) does not include the age or gender of a consumer, demographic information about the consumer, including a consumers residence address or e-mail address, or any other information about a consumer that does not relate to the physical, mental, or behavioral health or condition of a consumer, including the existence or value of any insurance policy. you have all my personal information shown to the public and this violates my rights to privacy. this puts me in harms way and in danger. have all my information removed as soon as possible. Adding on ( A ) the consumer who is the subject of the communication ( i ) consents orally or in writing to the nature and scope of the communication, before the collection of any information for the purpose of making the communication ; ( ii ) consents orally or in writing to the making of the communication to a prospective employer, before the making of the communication; and ( iii ) in the case of consent under clause ( i ) ( ii ) given orally, is provided written confirmation of that consent by the person making the communication, not later than 3 business days after the receipt of the consent by that person. this is self explanatory i did not ever gave you consent or permission orally or written to furnish my personal information. this is IDENTITY THEFT! ( v XXXX XXXX. The term XXXX means the XXXX. [ XXXX ] ( XXXX ) The term XXXX means the XXXX XXXX XXXX XXXX XXXX Equifax why are posing as XXXX. you are a third party. reseller of my information. ( u ) Reseller.The term reseller means a consumer reporting agency that ( 1 ) assembles and merges information contained in the database of another consumer reporting agency or multiple consumer reporting agencies concerning any consumer for purposes of furnishing such information to any third party, to the extent of such activities ; and ( 2 ) does not maintain a database of the assembled or merged information from which new consumer reports are produced. ( v XXXX XXXX. show me proof of any agreement that allows you to do this. if not you admit to knowingly breaking my federal laws and putting my life in danger.
Product: Credit reporting or other personal consumer reports

My recent credit report contains information that does not align with the records I have kept, which has raised concerns for me. Accurate credit reporting is critical, and I believe this error needs immediate attention to prevent any further issues. I would appreciate it if you could carefully review the report and correct any inaccuracies found. Thank you for taking the time to address this matter.
Product: Credit reporting or other personal consumer reports

XXXX is reporting transaction history on my credit report and according to the Master Promissory  Note they will not report transaction history. This is also a violation of my privacy under the Family and Privacy Act of 1974. You can not report without my consent. The Privacy Act protects individuals in three primary ways. It provides individuals with the right to request their records, subject to Privacy Act exemptions ; the right to request a change to their records that are not accurate, relevant, timely, or complete ; and the right to be protected against unwarranted invasion of their privacy resulting from the collection, maintenance, use, and disclosure of their personal information.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 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.
Product: Checking or savings account

On several occasions Chase Bank unfairly assessed and collected Overdraft Fees on certain Debit Card transactions. Account has been closed so electronic statements are unavailable.
Product: Mortgage

XX/XX/year> called about the loan modification, was told it was denied due to needing an application. Tried to access the website loansolutionscenter.com but website was down. XXXX stated to try the site again in XXXX hours but the application is being mailed. Tried the website again and there was an error with my information. Called back at XXXX for assistance. 

XX/XX/year> called to receive an update about the loan documents submitted on XXXX. Representative stated an update should be received in the next XXXX business days. There was no update provided today. 

XX/XX/year> called to check status. Notified rep that a financial packet was never received. Given the website to obtain a financial form. Rep stated that they could not email the form. Given the website to obtain the form Citizensbank.com/loans/mortgage-trouble-making-payments. Asked what documents are still needed. Rep stated that I will get a follow up call about the documents still needed within a week, if not to call back
Product: Checking or savings account

Returned product to XXXX XXXX  XXXX on XX/XX/XXXX. Filed a dispute through Bank of America on XX/XX/XXXXXXXX  after XXXX XXXX  XXXX refused to give me my money back. They now have all product and my money. I have called B of A every other day since I filed the claim. I am told something different every time I call. I was told claim was denied that merchant is stating I never returned product. I refused to sign paper as they only wanted to credit me for 35 cases. B of A had told me 4 different times that they have requested refund from bank under a hardship clause and have expedited process and I would receive response and credit within 24-48 hours. They had me fax them my proof of purchase, XXXX  payment to movers who loaded product on truck to return, sworn statement from mover confirming this was done, printed voicemail from XXXX on XX/XX/XXXX telling me to come back and pick up product that they had taken back, police report. B of A told me as soon as I faxed them these documents that was all they needed to process my credit if {$5400.00}. I faxed them every document they requested on XX/XX/XXXXXXXX  and XX/XX/XXXXXXXX  from B of A branch on XXXX and XXXX in city of XXXX CA at XXXX As of today XX/XX/XXXXXXXX  I have not received any response or refund as promised. I have not been contacted by B of A since XX/XX/XXXX. When I call they tell me to check to online message center that has not been updated since XX/XX/XXXX. I have received no written response or have not been contacted by B of A since this all started on XX/XX/XXXX. Neither a hardship or expedited action had been taken and because they wont refund or issue any kind of credit I am facing eviction from my home on XX/XX/XXXX. I have explained this to them and what a desperate situation I am in and have begged and pleaded for their help with this situation and the only response I have gotten when I call is straight out lies from employees, wrong information and XXXX response from manager that is supposedly reviewing my case. The management dept, I am told, is not reachable by phone or email and agents are not allowed to contact them and that I just need to wait until I hear from them, but in the meantime I should keep checking my accounts for a refund that I now know is not coming. I have based life changing decisions off of what I have been told only to find out that I have been misinformed and flat out lied to. I am XXXX, this is all the money I have in the world and am facing losing everything. I have explained this every time I have called with XXXX response and now Im out of time. Im going to lose everything and end up homeless
Product: Credit reporting or other personal consumer reports

I was reviewing my credit reports and found multiple accounts with conflicting information between the 3 credit bureaus for the same accounts that list different account numbers, date of last activity, last payment date, balance, account status, and original balance. I am requesting that all information for the accounts listed below be provided in writing to me which includes but not limited to : the original contract with my wet signature, full transactional history from date of opening to present or closing of the account, any other documentation that was use to verify the account as being accurate.

Under 15 U.S. Code 1681e ( b ) ACCURACY OF REPORT : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. I know that under 15 U.S. Code 1681i ( a ) ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

If you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below : I have attached a copy of my ID for identity verification and a bill for address verification. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Additionally there is a public record listed that should not be listed on my credit report as the courts do NOT report public record information to the credit bureaus which means that information was illegally posted to my credit report without my written authorization. Unless this written authorization can be provided by each of the credit bureaus this information must be removed immediately. Further the information presented is not accurate and that is further infringing on my rights and a direct violation of the FCRA as the law requires 100 % accuracy on all consumer credit reports. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX