23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

In XXXX 2015 we left our apartment in XXXX as our lease has ended. Before our last day the property management requested for a new mailing address in case they needed to contact us so I provided our new home/mailing address in XXXX, MD. Months have passed and I received a refund check from the apartment amounting to {$20.00}. In XXXX 2015, my nephew, who was also on the lease, found out that there was a derogatory report from XXXX XXXX amounting to over {$500.00}, I checked my credit report and I had it too, my friend, who was on the lease, had it too. We found out that it was from XXXX XXXX Apartment. I immediately contacted the apartment to inquire about this debt and asked them why would I receive a refund if we owe money to them. They could n't give me a clear answer and i was told that they would just notify us after they found out what was going on. We waited for 2 weeks and we didnt hear from them. On XXXX XXXX i contacted them again to follow up. They told me that we owe money for cleaning fee, unpaid untility bills etc. But i asked them why they never informed us regarding this debt, their answer was they sent the statement in XXXX but never heard from us. I told them that I never received anything and I wanted to see their mailing receipt but according to them they sent it via regular USPS mail so there was no receipt. I asked them again why they did n't try to contact me via email or phone before sending it to collection but they didnt say anything. It looks like they didnt exert effort to reach any of us before deciding to turn the debt over to the collection ruining our credit. 
We never received any letter from the collection company too! The property manager sent me an email telling me that they will contact the collection to hold the debt and remove it from our credit for 30 days and we have to pay the debt within that period of time or the adverse report will be back on our credit. We are not running away from the unpaid bills ( if any ), our main concern is the derogatory report that they made and prevented us from making loans, apply for credit cards, etc. for 5 months without our knowledge. We believe that this is not a fair practice of credit reporting and we strongly believe that the people who mismanaged this issue deserve disciplinary action.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681s-2 Responsibilities of furnishers of information to consumer reporting agencies. ( a ) Duty of furnishers of information to provide accurate information ( 1 ) 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 information is inaccurate. ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. Also, ( b ) Duties of furnishers of information upon notice of dispute ( 1 ) In general After receiving notice pursuant to section 1681i ( a ) ( 2 ) of this title of a dispute with regard to the completeness or accuracy of any information provided by a person to a consumer reporting agency, the person shall ( A ) conduct an investigation with respect to the disputed information ; ( B ) review all relevant information provided by the consumer reporting agency pursuant to section 1681i ( a ) ( 2 ) of this title ; ( C ) report the results of the investigation to the consumer reporting agency ; ( D ) if the investigation finds that the information is incomplete or inaccurate, report those results to all other consumer reporting agencies to which the person furnished the information and that compile and maintain files on consumers on a nationwide basis ; and ( E ) if an item of information disputed by a consumer is found to be inaccurate or incomplete or can not be verified after any reinvestigation under paragraph ( 1 ), for purposes of reporting to a consumer reporting agency only, as appropriate, based on the results of the reinvestigation promptly ( i ) modify that item of information ; ( ii ) delete that item of information ; or ( iii ) permanently block the reporting of that item of information. Also, 15 U.S. Code 6801 - Protection of nonpublic personal information. It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers ' nonpublic personal information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my current consumer report, despite numerous attempts requesting that this consumer reporting agency investigates the erroneous items on my file, I still see inaccurate, incomplete, and just plain incorrect items on my report. According to the FCRA all accounts reporting must be 100 % accurate and complete. The following accounts showing on my consumer files are showing INCOMPLETE account numbers with a few numbers and ending with stars or asterisks. This is INCOMPLETE reporting and a direct violation of the FCRA and it also goes against XXXX XXXX compliance. Please DELETE any and all Fraud Alert Personal Statement and Fraud Alert Phone Number from my consumer report as I will continue to keep my consumer files frozen on my own accord. Unverified Accounts Please DELETE the following accounts from my consumer file unless you can furnish an original contract with my signature since they are NOT REPORTING and they are INCOMPLETE as the account numbers are INCOMPLETE and cant be verified nor validated as belonging to me as they are not complete and all end with asterisks. This is a major violation. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I appreciate your prompt attention to this matter. Please send me a letter after you have deleted the information from my credit report.
Product: Mortgage

Back in XXXX, my former husband and I purchased a house together. At some point, the mortgage was transferred to Bank of America. In XXXX, we went through a non-contested divorce, and he agreed and the court confirmed that he would assume responsibility for the mortgage. At the time of the divorce, I contacted Bank of America and requested separation paperwork which I filled out, signed and submitted. Evidently, my former husband did not fill out his portion of the paperwork. I followed up with him and was made to understand that my name was off the mortgage. A few months ago, I signed up for online banking through Bank of America, because my XXXX rewards card had been transferred to them. I discovered the mortgage was still listed in my name as well as his. I contacted my former husband and he told me he was working on refinancing the house. I also called the mortgage division of Bank of America and asked what I needed to do to get my name of the mortgage. I was treated in a very rude and condescending way. The representative said, " I do n't care what the court says. It does n't matter ... .You are responsible for the loan! '' My ex-husband assured me that the refinancing process was underway. Then a few days ago, I received an email from Bank of America indicating that I was in danger of defaulting on the loan and threatening that my credit rating was in danger. I again contacted Bank of America and explained the situation. While this representative was a bit kinder, she again said that it was up to me to cover the loan or that the activity would be turned over to the credit agencies. I contacted my ex-husband and it turned out that as part of the refinancing process ... two payments had been made on the final mortgage payment to Bank of America and they had applied both to the principal instead of to the payment. So it was their own mistake which resulted in the call and the contact. Their choices resulted in a huge degree of stress and fear for me. And they blamed me for it. Fortunately, the refinancing is complete and the account will be closed in two days. But their insensitivity and lack of coordination resulted in a great deal of anxiety for me. I pity former spouses who do not have good relationships with their ex husbands and ex wives. I 'm not sure why court orders do not apply to financial institutions or what measures divorced people must go to to enforce those decisions, but I am very unhappy with the way I was treated by Bank of America.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding violations of the Fair Credit Reporting Act ( FCRA ), specifically pertaining to Sections 602 ( a ) and 604 ( a ) ( 2 ), as outlined in 15 U.S.C. 1681-1681x. The accounts in question, detailed below, have been inaccurately reported by the respective creditors, resulting in erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Under 15 U.S.C. 1681s-2 ( a ), furnishers of information to consumer reporting agencies are mandated to provide accurate information and investigate disputes promptly. However, despite multiple attempts to dispute the accuracy of the aforementioned accounts, the creditors have failed to conduct reasonable investigations and have continued to report inaccurate information. These inaccuracies have adversely affected my creditworthiness, resulting in unjust consequences such as higher interest rates and denial of credit opportunities. As a consumer, I am entitled to fair and accurate reporting of my credit information, as guaranteed by the FCRA. Therefore, I am requesting that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate enforcement action against the creditors for their non-compliance with the FCRA. Additionally, I request that the inaccurate information be corrected or removed from my credit report in accordance with the law. Thank you for your attention to this matter. I trust that the Consumer Financial Protection Bureau will take the necessary steps to rectify these violations and ensure fair and accurate credit reporting practices.
Product: Credit reporting or other personal consumer reports

Looked at my credit report via Transunion, XXXX, & XXXX and seen a lot of different inquiries that were unauthorized by me. The standing of my credit thankfully helped the them be denied on each of these inquiries. I Also had a collection ( XXXX XXXX XXXX ) I knew nothing about, so I don't know if this was from the same person or not but Im definitely a victim of identity theft.
Product: Credit reporting or other personal consumer reports

I recently received and reviewed a copy of my updated credit report and I still have seen inaccurate and misleading information being reported. These mistakes that you are reporting are affecting my character and reputation as a consumer. The accounts that I am referring to are the following : -- -- -XXXX  XXXX -- - XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -- XXXX XXXX -- -- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -- -- -Equifax -- XXXX - XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

My name is listed on a apartment lease that has been sent to IQ Data. I requested proof of of debt XXXX & XX/XX/2020 and I haven't received anything showing this is my debt. I never signed the lease or anything else. They are calling me every day being very mean they even called XXXX XXXX and told my employee the answered the phone why they are calling and that I owed a debt for XXXX XXXX  with the amount. It has been over 90days since my first request for proof of debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 XXXX XXXX XXXX accessed my credit report without my consent. I filed disputes with Equifax and XXXX  to no avail. I have not lived in XXXX in over 7 years so there is no reason for this inquiry to be on my report for XX/XX/2019. 

XXXX XXXX XXXX XXXX, IN XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I got scam by XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX told me to send her {$650.00} via XXXX  XXXX  on XXXX. I was able to sent {$400.00} via XXXX  XXXX  the XXXX XXXX was adamant that I need to send her {$250.00} to complete the total of {$650.00} via venmo. I paid the total amount of {$650.00} for XXXX  reading and XXXX  since she was going to remove the XXXX  on me. On XXXX XXXX XXXX called me again that I need to put {$2500.00} downpayment for the materials she needs and the church is helping to remove the XXXX  but I need to put {$2500.00} as downpayment and she will return my money within 10days I sent the money through venmo. Since venmo has no limit consumer protection program I was able to send {$2500.00} to XXXX XXXX. After I noticed that she just scammed me I filed a report with venmo if they can return my money back and venmo denied my dispute. Something needs to get done with the scammer and venmo and XXXX  XXXX  need to have a better proctection to protect innocent customer like me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting this complaint against XXXX, Equifax, and XXXX due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous XXXX  and financial XXXX, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.
Product: Debt collection

Fox Collections company only sent and/or provided documentation for the credit debt in the amount of {$350.00}. I NEVER received any correspondence for the 2nd account that is listed on my credit file. There has never been a verified copy of my signature sent for either one of these accounts, and I want them removed immediately. Providing a list of the procedures completed is not verifying that I gave any permission or that this medical information belongs to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this CFPB to request to you to remove the late payments on the account 's payment history. I believe this account is reporting inaccurately. I do not believe I was late on the dates this account presents. I keep records of my payments and I always make my payments on time, I was never late. Please investigate the account name, date of last activity, and account balance. This information seems to be misleading. I request an investigation and please update this account for lawful accuracy. Please correct the account : Experian : XXXX XXXX XXXX XXXX XXXX : {$8300.00}
Product: Debt collection

I never owed this amount to the original business. 

On XX/XX/XXXX, I was sent to XXXX XXXX XXXX to have XXXX  done of two sections of my XXXX. My policy clearly states that my responsiblity for XXXX charges are {$50.00} per visit. Since the XXXX occurred during one visit to XXXX XXXX, I should have been billed {$50.00}. 

XXXX XXXXXXXX never issued an invoice to XXXX, my health insurance plan, and XXXX never sent me an EoB. I gave it time to work itself out, but it never did, and ended up in collections. I spoke to a XXXX   rep on XX/XX/XXXX, who was going to escalate the matter and have someone from XXXX follow up. I never received a follow up. On XX/XX/XXXX, I spoke to another rep at XXXX, and she confirmed my responsibility of {$50.00} for the XXXX. During my call, she placed me on hold and spoke to reps at Grant Mercantile, XXXX XXXX, and the XXXX XXXX XXXX. XXXX  XXXX agreed to re-bill XXXX for the procedure, and that my responsibility is {$50.00}.
Product: Debt collection

On XX/XX/XXXX Enhanced Recovery Company , LLC, placed am account on my consumer credit report without send me a noticed pursuant to 15 usc 1692g. i called, spoke with a woman she said they only sent me two emails. not one letter was sent. I am entitled to receive accurate and verified documentation that substantiates the validity of the reported debt. Enhanced Recovery Company , LLC has Failed to provide the requested validation within five days after the initial communication with a consumer, it is considered a violation of the FDCPA. I want to emphasize that I am fully aware of my rights as a consumer and my eligibility, as permitted by federal and state law, to file this dispute. I also acknowledge that any knowing and willful misstatements or omissions of material facts constitute a federal criminal violation punishable under 18 U.S.C. 1001, and punishable as perjury under 18 U.S.C. 1621.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's 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 CFPB 's findings indicate that Zelle has not only neglected to protect consumers put 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: Money transfer, virtual currency, or money service

I am filing a complaint against Zelle due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Zelle failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. 
Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations
Product: Credit reporting, credit repair services, or other personal consumer reports

while attending XXXX college in dc the school was closed on XX/XX/XXXX I attend this school from XXXX-XXXX. I was lied to about job placement. Deceived as far as the financial aid department reporting my correct balance. There XXXX accreditation which was lost when school closed. This school is currently under lawsuit because of inappropriate acts. Additional loans where taken out of my name without my knowledge.
Product: Debt collection

On XXXX XXXX, 2015, we terminated our service with XXXX/XXXX and returned our equipment as directed. We were told we would receive our final bill shortly. On XXXX XXXX, we received our final bill from XXXX for {$51.00}, after the applied credit to our account of {$130.00}. The bill due date was XXXX XXXX, 2015. I immediately paid our bill on XXXX XXXX for the amount owed. On XXXX XXXX, 2015, I received a call from XXXX demanding payment of the {$51.00} plus fees totaling {$67.00}. I explained to XXXX we were NOT delinquent and had paid the bill on the date received. XXXX said we need to take it up with XXXX. We called XXXX and attempted for for over XXXX hours, most which was on hold to talk to someone who could straighten this out as my credit is now negatively affected. Customer service agents pulled up our account and said they did n't understand why we were referred to a collection agency. We never received an answer, we referred to several departments within XXXX including " Internal Collections '', none of who could answer why they referred our account to collections. 
This illegal act by XXXX is outrageous and callous. We have been good customers, always paying our bill XXXX days ahead of the due date, now we have this attack on my good credit.
Product: Credit reporting or other personal consumer reports

Accounts thats paid in full not reflecting paid, old address or address Ive never lived at keeps showing on my credit, car loan companies running my background serval times with out approval.
Product: Credit card

I received a call from Target asking if I was trying to make transactions XXXXXXXX XXXX XXXX and getting declined. I let her know at that time I live in XXXX Arizona and she said she was going to have to close my account and send me a new card. So as she was doing that I logged on to my Target account and and it wouldn't let ne get into my account. So I let the Target agent know. So said she would check into that also. She looked at my account and asked if if I had changed my information and ordered a new card and made a payment on my account of {$4600.00} XX/XX/year> I told her no. She said there was a payment made from a bank. She ask who I banked with and let her know XXXX XXXX  and XXXX and XXXX. She asked the last 4 digits of both my accounts and they did not match the payment. She she said my account was comprised and she was reporting everything and it would be forwarded to the fraud department. I informed the Target agent to clarify the actions that Target would be taking. She stated it would be reported I did not make that payment to my account, my login information was changed and no transactions were charged to the account .She said they were freezing my account online account until investigation has been done. I received a new card and tried to activate it and when I called they said Target closed my account for writing bad checks. And the next day I received that letter so called and informed them I was frauded and that was suppose to be fixed that I never made that payment. So the agent said she would put in a depute. XXXX XXXX XXXX I received a letter from the Dispute Resolution for Target Card Services stating I made the payment and changed my information and they declined my dispute. So on XXXX XXXX I call customer service and spoke to a agent in the fraud department and that said it wasn't put on the fraud dispute and it would be done. But when I called back they said it wasn't done again. And another department was investigating and I would be notified. I have had a Target Red Card and Target MasterCard for 9 years and never have written or given a bad payment. And I fell this was poor investigation and business act to accuse me of this act. I would like my account re and stated in good standing it was on all credit agency 's. And further more not following the credit card act.