23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604a section 2 it also states a consumer reporting agency can not furnish an account without my written consent. Under 15 USC 1666b a creditor may not treat a payment on a credit account under a open end computer credit plan as late for any purpose. 

American Honda Finance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

Beware an added account maintenance fee. This fee, in additional to high interest rates can make it impossible to pay off the account.
Product: Debt collection

Wakefield & Associates XXXX, CO XXXX, is stating I owe Overdraft Fees from a XXXX Checking Account from XXXX, nearly 12 years ago. The Statue of Limitations in Colorado is 6 years. U.S. Bank lost a {$XXXX} XXXX Lawsuit in XXXX over Overdraft Fees, I have never been given a chance to dispute this, they claim they served me on XX/XX/XXXX, this is not the case I was never served and have now on XX/XX/XXXX gone to XXXX Colorado Court and filed a judgement lowering my credit score
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. II feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested the Credit Agency to investigate the inaccuracies on my credit report and validate the information has been reported correctly. 

I have investigated this information and have found improper inaccuracies on my credit report after the Credit Agency did their research. 

I have found the following discrepancies and/or inaccuracies that are being reported on my Credit report, with XXXX XXXX Account XXXX XXXX listed below here are the discrepancies : XXXX ) Status > Days late 2 ) High Balance, 3 ) Date Reported 4 ) Count of Late Payments 5 ) Date Last In accordance with the Fair Credit Reporting act and XXXX  Account # 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: Credit reporting or other personal consumer reports

I did not authorize these inquiries and firmly suspect they are not genuine. I urge you to conduct a comprehensive investigation and promptly remove them from my credit profile.
Product: Bank account or service

For whatever reason, my financial institution ( Citibank ) did n't see this dispute in my favor. If anyone from the disputes department called XXXX XXXX XXXX and asked just some basic questions it 's easy to see that this franchise has a lot of gray areas and has a a hierarchy of rules and people to contact just to get a simple answer. This franchise is such a scam! 

I paid for a service/membership that was never honored. Merchant canceled my membership without telling me. ( No correspondence, phone calls etc. ) When I went into store to use my prepaid pass I was told that I could not use pass until my pass was paid in full ( more money and another payment of {$160.00}. I assume whoever sold me this " wax pass '' makes commission and sold me on singing up. She failed to mention all these extra deceiving details ) I was not interested in continuing this pass so I asked how I could I get my money back. I was then told by an associate I could receive a full refund back to my original payment method after talking to a manager. I reached out to the district manger named XXXX via the phone on a handful of different occasions asking for a call back. I even went into merchant where I signed up after making several phone calls. 

( Update : I just recently found out on XXXX/XXXX/16 that XXXX in fact does n't work at a physical store. She works in a call center. This franchise is running a scam ) I asked to speak to another manger and of course the only manager I can speak to is XXXX. I was then told by another associate working that " my pass had been canceled for non payment. '' There was nothing she could do other than to let me use my store credit at the full retail price for services and not the discounted price. The only way to get a refund was by talking to the manager within 7 days. '' Supposedly, XXXX contacted me a dozen times about getting my refund. And if I wanted one all I had to do was call her back in this time frame. 

I attempted to contact the manger XXXX numerous times including driving across town to speak in person with a manager during this 7 day timeframe. I find it very coincidental that it took her longer than 7 days to get back in contact with me. 

( Update as of XXXX/XXXX/16 after calling and speaking with XXXX again, this time I got ahold of her on the first try, I was told that it took her so long to contact me because she works on a first come, first serve basis and by time she got all my messenges it was on the XXXX day ) I do n't want a store credit. I want my money back! I paid for services I never received! I am not interested in having services done with this merchant ever again. So having a store credit means nothing to me. 

My pass was canceled and the manger XXXX did not reach out to me during that 7 day period. This company literally took my money and my bank sided with them. 

While this is being investigated/appealed is it possible to receive a provisional credit? 

Thank you again for your time, XXXX
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in the 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 tracking these transactions were unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. 
This lack of accountability and transparency is unacceptable and raises serious concerns about consumers safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
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 XXXX XXXX XXXX XXXX CAXXXX ; XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXXXXXX XXXX XXXX XXXX, NC XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$420.00} ; XXXX XXXX XXXXXXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$660.00} XXXX XXXXXXXX Balance Owed : {$100.00} ; XXXX XXXXXXXX Balance Owed : {$8300.00} ; XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/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 
According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Debt collection

ERC XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX Account number XXXX Recent balance {$410.00} as of XX/XX/XXXX Date opened XX/XX/XXXX Status Collection account. {$410.00} past due as of XXXX XXXX THIS IS NOT MY ACCOUNT AND SHOULD NOT BE ON MY CREDIT REPORT TO BEGIN WITH. ERC IS AGGRESSIVELY ATTEMPTING TO COLLECT THIS DEBT THAT I DON'T OWE AND DOES NOT BELONG TO BE IN FIRST PLACE. I CONTACTED THEM SEVERAL TIMES WITH NO LACK, RESPONCE THEY PROVIDED ZERO VALIDATION OF THIS ACCOUNT, I ALSO CONTACTED XXXX WHO DID NOT FIND AND PAST DU EACCOUNTS IN MY NAME AND UNDER MY SOCIAL #. I COMPLAINT WITH BUREAUS WHO STATE THAT ERC HAS VALIDATED THIS ACCOUNT. ERC IS CALLING MY WORK, MY PARENTS HOUSE AND THREATENING TO ARREST ME OR LIEN MY HOUSE IF I DIDN'T PAY THIS AMOUNT IMMEDIATELY, THIS SHOULD NOT BE ALLOWED!!! PLEASE HELP
Product: Credit reporting or other personal consumer reports

XXXX Advertise sign up no credit check.. 
I find XXXX to be very Deceptive, when I first started with XXXX it advertised it would have no impact on my credit, yesterday I received a notification from credit karma Notifying me my Credit Score Decreased by XXXX points from Signing up With XXXX, I was never late on any of my payments and I always paid before the due dates, customer service barely speaks XXXX I requested a supervisor who is very Dismissive and Defensive, Im now going to have to file a dispute with the XXXX XXXX XXXX and banking regulators very disappointed
Product: Credit reporting or other personal consumer reports

ON XXXX XXXX. I RECEIVED MY CREDIT REPORT FROM XXXX AND IN THE SUMMARY REPORT SHOW THE DIFFERENT ITEMS FROM XXXX XXXX XXXX, EXPERAIN CREDIT BUREAU, XXXX XXXX XXXX XXXX. 
UNDER 15 U.S. CODE 1681CONGRESSIONAL FINGS AND STATEMENT. CLEARLY WITH THE SUMMARY ENCLOSED YOU WILL SEE THE DIFFERENT BALANCE FROM ALL THRE CREDIT BUREAUS. 15 U.S. CODE 1681-2- RESPONSIBILITIES OF FURNISHERS OF INFORMATION TO CONSUMER REPORTING AGENCIES. A PERSON SHALL NOT FURNISH ANY INFORMATION RELATING TO CONSUMER TO ANY CONSUMER REPORTING AGENCY IF THE PERSON KNOWSOR HAS REASONABLE CAUSE TO BELIEVE THAT INFORMATION IS INACCURATE. A SUMMARY OF MY RIGHTS UNDER THE FAIR CREDIT REPORT 9IMOSES RESPONSIBILITIES ON ALL FPERSON WHO FURISH INFORMATION TO CONSUMER REPORTING VIOLATION OF 15 U. S. CODE 1681 THE INACCOURATE INFORMATION HAS IMPACTED MY CREDIT REPORT THAT I CAN NOT APLY FOR ANY CREDIT CARD. THE FALSE REORTING FROM XXXX XXXX, EXPERIAN AND XXXX HAS AFFECTED MY CEDIT REPORT WHICH HAS CONSEQUENCES OF ERRONEOUS ENTIREIES ON MY CREDIT REPORT IS MISLEADING UNDER ( FCRA ). THIS INACCURATE REPORTING IS AFFECTING MY EMPLOYMENT OPPORTUNTIES OF GETTING HIRED FOR BETTER POSITIONS.
Product: Debt collection

I am on the do not call registry for my cell phone. After XXXX XXXX 2015 I should not receive these calls. I have no debts. I have blocked the number but see online that they will just call from another number. The number they called today is ( XXXX ) XXXX. Any help would be greatly appreciated.
Product: Debt collection

REF XXXX XXXXXXXX I am a victim of identity theft. An identity thief used my personal information without my permission to open an account. This debt is not mine. I have enclosed a copy of my FTC Identity Theft Report and Police Report. 

I have attached a copy of a Warrant in Debt from XXXX XXXX, Virginia, XXXX XXXX XXXX XXXX XXXX case XXXX XXXX, that shows XXXX XXXX XXXX XXXX XXXX who you sold this account to ) & OneMain Financial XXXX LLC suing XXXX XXXX for a debt not mine. 

This information is located onlineXXXX XXXX XXXXXXXX Take Note : This case was dismissed with prejudice, attesting this debt is not mine ; therefore, I am not legally responsible for this debt. 

Your company has 10 days from receipt of this notice to remove this tradeline from all credit bureau reporting agencies. Failure to do so, reaffirms your failure to follow the court order and FCRA, FDCP, and UDAPP regulations. 


I will be seeking legal alternatives if this tradeline is not removed by XX/XX/2023 from all credit reporting bureaus. 


In accordance with the Fair Debt Collection Practices Act, you must remove this tradeline from all reporting agencies. 

I have enclosed a copy of the Consumer Financial Protection Bureaus Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). 

Please send me a letter explaining what you have done to : Stop reporting information about the debt to all credit reporting companies Provide me with the records I request
Product: Debt collection

Sunrise collections has once again put a fraudulent collection on my credit saying I owe XXXX XXXX dollars that is a lie.I have had my XXXX account for about 18 years and is in good standing.I talked to Sunrise and the verified that it was fraud they removed it and now a month later they put it back on, Sunrise refused to furnish the fraudsters address < I believe Sunrise credit are fraudsters themselves, I will be filling a complaint against them with the state attorney office for fraud and the CFPB. 

I have contacted att and they verified there is no such debt
Product: Mortgage

I ordered an appraisal for myself in XXXX of XXXX. When the appraisal came back I realized that the value was high enough to have PMI removed. I called PHH and asked how the process worked. They sent me a letter in XX/XX/XXXX with what I needed to do. Once I received the letter I called PHH again and spoke with XXXX to see if I could use my own appraisal. I was told that I could send in my appraisal and would be able to use it. I sent my appraisal to XXXX on XX/XX/XXXX. After waiting a week I called to make sure they received it. I was then told that they dont allow you to use your own appraisal. After going back and forth with different people for weeks and weeks because you can never speak to the same person and always end up getting transferred, I was always told different answers by different people. Yes you can use your appraisal, no you cant use your appraisal. I finally gave up and stopped pursing the issue. After waiting a while I was still frustrated that nothing got resolved and I was still paying PMI know the value of my home. I called PHH again in XX/XX/XXXX and request PMI be removed. I received their letter on XXXX XXXX stating the process. I called PHH to request a list of appraisers that they use. During this phone call I spoke with a customer service lady who stated that I should have been able to use my appraisal when I sent it in XX/XX/XXXX. She transferred me to XXXX an escalations manager XXXX who also stated I should have been able to use this appraisal back in XXXX. He told me he was going to get to the bottom of why my appraisal wasnt used and get me a list of appraisers that PHH uses. He said I would hear from him in 3 business days as he put a rush on my request. This all happened on XX/XX/XXXX. After not hearing back from XXXX I called back to PHH on XX/XX/XXXX and spoke with a customer service rep who was rude and was no help! She told me she could not transfer me to XXXX and that I would need to order and appraisal through them with the form I received in the mail. I told her I wanted to speak to XXXX. She said she would put a request in for him to call me. Again, everyone has a different answer and my issue cant be resolved. I have been dealing with this since XX/XX/XXXX and in the meantime am paying {$120.00} a month in PMI that I should not be required to pay. I received an auto email on XX/XX/XXXX that I need to allow sufficient time for my questions to be answered. I think 10 months is sufficient enough. On XX/XX/XXXX I was told my appraisal was older then 90 days. Well yes, now it is, but it wasnt when I sent it in XXXX of XXXX with my original request. Why was it not reviewed and used then!? I want answers and am extremely dissatisfied in this company.
Product: Debt collection

THE COMPANY IS REPORTING DEBIT AS ONLY XXXX YEARS OLD WHEN IN FACT THE DEBIT IS XXXX YEARS OLD
Product: Debt collection

Sent a Letter to LVNV Funding requesting to verify the debit, however, my request has been ignored and LVNV Funding continues reporting this as a collection account monthly on my credit reports. I have attached the letter I sent requesting the verification of this debit.
Product: Debt collection

I am writing to request the immediate removal of my previous address from my credit report. I have recently reviewed my credit report and discovered that an outdated address, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX and XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX is still listed under my personal information.
Product: Credit reporting or other personal consumer reports

Litigation in process act immediately you are in violation. 


LITIGATION SEEKING RELIEF AND MONETARY COMPENSATION UNDER FCRA 15 U.S. Code 1681n Civil liability for willful noncompliance and 15 U.S. Code 1681o Civil liability for negligent noncompliance and 15 U.S. Code 1692k civil liability.

FOR MONTHS, I have been going back and forth trying to solve this problem for some time with your credit reporting agency and the corporations and debt collectors you authorized to put fraudulent, inaccurate, and unauthorized items on my credit report without my written instruction or permissible purpose. The importance of this issue is you continued to report items as well despite the items not being 100 % accurate under 15 US Code 1681e ( b ). YOU MUST UNDERSTAND THAT THIS IS NOT A MISREPRESENTATION OR HAVE BEEN SENT IN ERROR. THIS IS INDEED FROM ME AND I AM FULLY AWARE AND CAPABLE OF WHAT I AM DOING. PLEASE DO NOT UNDERESTIMATE ME, AND INSULT THE LEXICON THAT I HAVE SPENT MY WHOLE LIFE ESTABLISHING. 
I am THE LITIGOUS CONSUMER WHICH MEANS I AM unreasonably prone to go to law to settle disputes and is in the process of taking legal action in this matter to enforce my rights under FCRA and FDCPA. THIS IS MY OFFICIAL NOTICE TO YOU AND LAST WARNING BEFORE FEDERAL COURTS ARE INFORMED.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a request to dispute a collections account on my credit report on XX/XX/XXXX expected to be completed on XXXX account is a XXXX XXXX account XXXX I never received a update that my dispute was complete only that it was in progress. Over the course of the last 2 months I have logged in and checked said dispute and it was showing still under investigation. As of XX/XX/XXXX, past the 30 day even 45 day mark the dispute was not complete. I logged in today just to check due to the fact my credit report through Equifax is still showing a Derogatory mark for this account. The dispute is now showing complete and the letter attached is stating the dispute was states it was completed on XX/XX/XXXX, but the last time I logged in was XX/XX/XXXX and it was not completed. Also the company continues to call me while the dispute was open. They only stopped calling once I left them a voicemail stating there was and open dispute that was past 30 days. 
The dispute report is stating that the information was updated and that is it. 
Based on the Fair Credit Reporting Act the company has 30 days to review the dispute and if they do not get back within 30 days the agency is obligated to remove the disputed report. Not only did they take over 30 days to submit their findings ( almost 60 days based on my records ) they also send a dispute letter that clearly does not have the correct date on it. There is no way the dispute was completed on XX/XX/XXXX seeing as I logged in on XX/XX/XXXX and it was still in process. They are lying about when it was completed. 
This needs to be removed from my report based on FCRA. 
This account has been disputed and removed off of all other agencies except for this one. 
The company called me again today. Not from their normal number, when called back the rep stated it was XXXX XXXX XXXX
Product: Student loan

I have been waiting on complete PSLF forgiveness under the temprary waiver since I consolidated by FFELP loans from XXXX  to XXXX in XX/XX/XXXX and submitted PSLF employment certification in XX/XX/XXXX. I have been continuously employed by a qualified federal agency ( HUD ) since XX/XX/XXXX. I have also continuously made monthly loan payments to XXXX from XXXX through XX/XX/XXXX. Mohela is now the servicer. The records for both Student Aid.gov and Mohela show that I've been in repayment status since only XXXX. As a result, my qualifying payment counts were only counted from XX/XX/XXXX through XX/XX/XXXX ( XXXX payments ). I have resubmitted submitted my PSLF certification and XXXX  payment history several times to XXXX, StudentAid.gov, and Mohela, but the payment counts have not updated. There are 11 years of missing payments ( XXXX ) that I've made that should count towards complete forgiveness ( 120-plus payments ) under the PSLF waiver. I have requested reconsideration from StudentAid and escalation to an Ombudsman without success.
Product: Credit reporting or other personal consumer reports

Us Bank has been reporting inaccurate information INTENTIONALLY on my report. I have sent them numerous request to remove the inaccurate information under the FRCA fair credit reporting act and they it has not been fixed, under 15usc 1681 accurate and correct information has to be reported. This has been reported XX/XX/year> on my report of " paid closed, {$870.00} written off. '' where US Bank has been paid in full and the credit bureau is not reporting the status correctly. 

I do not owe US Bank and They have been reporting incorrect status which is showing my account as still " {$870.00} written off '' in the status
Product: Mortgage

I already have a complaint file on Wells Fargo Mortgage. Today I received a call at XXXX my time. The call was from Wells Fargo Mortgage and the representative gave his name as XXXX XXXX. The phone number the call came from was XXXX and his ext. no. is XXXX. I was very disturbed by the call. He kept interrupting me, told me I didn't know about the process and that he was going to educate me. He was demeaning and condescending. I felt like he called to try and bully me and I'm XXXX so I felt like this was abuse and not information. When I asked to speak to a supervisor he told me he didn't have one available. I told him he was out of line and that I would file another complaint about Wells Fargo and him. He told me not to waste my time because the cfpb wouldn't do anything except send the complaint to him and Wells Fargo. I told him about all the different information I had gotten from Wells Fargo so I wanted to make sure that when I got my principle down to the 78 % the HUD mortgage insurance payments would stop at that time. He then told me that I might have to pay another month or two until HUD could be notified. I told him I had better have the {$180.00} taken off my mortgage when I reached the 78 %. I am retired and so that much money is a lot to me.