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

Credit reporting for the month of XXXX and XXXX is reporting inaccurate information. For the month of XXXX, a payment was made on XX/XX/XXXX ( last day of the month ) for {$360.00} bringing the account to only 12 days past due. The account was less than 30 days past due at the end of the month. however I received a late mark due to a payment processing error. Also, for the month of XXXX, a payment was made on XX/XX/XXXX ( last day of the month ) for {$610.00} bringing the account to only 12 days past due. The account was less than 30 days past due at the end of the month, however I received a late mark due to a payment process mistake. Both payments were made on the last day of the month, which is when companies report to the credit bureau. Bank of America 's system didn't have time to process the current status when it was reported as 30 days past due. I would like for it to be updated to show current for those months. Also, I asked Bank of America to provide me with a signed credit application. They were unable to send this to me. Per FCRA policies, if the company is unable to produce a signed credit application proving that the debt is mine, the company must delete the trade lines. Bank of America refused to take the appropriate steps to delete the trade lines.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 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 1666B : 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: Money transfer, virtual currency, or money service

I signed up with an account with Robinhood about 3 weeks ago and deposited my life savings which is XXXX. After a few days a yellow banner appeared on our account which read your account is restrcted. They said to lift the restiction to upload a few documents. I uploaded my drivers license and took a selfie which they requested. It said we have received your documents and will contact you. They never lifted the restriction. They won't contact us to let us know what is happeneing. We can not withdraw any money. They did send an email with a case number and a phone number to call. When we call the number they provided and entered the case number the recording said invalid case number and hung up. They do not return the numerous emails we have sent. They have a live chat which they XXXX on our account because it is restricted. We have read online that they have done this to so many other people. They are stealing peoples money and getting away with it. We don't know what to do.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax, a consumer reporting agency, has not updated my consumer credit report -public record- to include my 2017 XXXX XXXX XXXX. I have disputed this by phone call, mail, fax, and myequifax.com for over year.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXXXXXX XXXX XXXX XXXX XXXX  DATE OPENED XX/XX/XXXX Account Name : XXXXXXXX XXXX XXXX XXXXXXXX - DATE OPENED XX/XX/XXXX Account Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXXXXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXXXXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXXXXXX XXXX XXXX XXXX DATE OPENED XX/XX/XXXX Account Name XXXX XXXX XXXX XXXXXXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX UNAUTHORIZED INQUIRIES : 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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  XXXX/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 a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my report recently, and I notice inaccurate information reported by TRANSUNION regarding a Charge Off account XXXX # XXXX. This account was charged off in XXXX. 

TRANSUNION violated federal law, by not properly investigating and reporting inaccurate information on my credit report. 

These are the Violations of the Fair Credit Reporting Act. 

1. Delete this account, because it shows Balance {$2500.00}. A Charge Off/Close Account must show {$0.00} balance.

2. Delete this account, because it shows a Past Due Amount {$2500.00} and a Charge Off/Close Account must show {$0.00} Past Due.

3. Delete this account, because it shows Payment History reported  consecutively as Charge Off C/O on these dates XX/XX/XXXX ; XX/XX/XXXX ; and Collection, COL on these dates XX/XX/XXXX ; XX/XX/XXXX. A Charge Off/Close Account must show NO Payment history or consecutively as C/O, COL reported on my credit report.

Please delete this account, and send me a new report. 

I need to apply for a mortgage in 2 months and this is an urgent matter. 

I have attached my TRANSUNION Credit Report and circled the violations, TRANSUNION violated. 

TRANSUNION must now remove the item for reporting inaccurate information on my credit report. Any other action ( or inaction ) on your behalf may result in a small claims action against your company.

I would be seeking {$1000.00} per violation for : 1. ) Defamation 2. )  Negligent Enablement of Identity Fraud 3. ) Violations of the Fair  Credit Reporting Act
Product: Money transfer, virtual currency, or money service

To Whom It May Concern, I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent Consumer Financial Protection Bureau ( CFPB ) lawsuit that has brought significant issues with the platform to light. 

As a frequent Zelle user, I have encountered discrepancies in transactions that I promptly reported to my financial institution and Zelle. However, despite my efforts, both parties failed to adequately investigate my claims. Instead, I was informed that recovering the lost funds was impossible and that tracking these transactions was unfeasible. 

The CFPBs findings further underscore my concerns, revealing that Zelle has neglected to protect consumers while enabling repeat offenders to exploit the system. This systemic lack of accountability and transparency leaves users like me vulnerable to scams, which is unacceptable. 

I urge Zelle and its affiliated institutions to take immediate action to address these deficiencies and implement robust consumer protections. Until these issues are resolved, users will continue to face undue risks when using the platform.
Product: Debt collection

I CONTACTED THE DEBT COLLECTED AND MADE A PAYMENT TOWARDS THE AMOUNT OWED. THEY ARE STILL CALLING THREE OR FOUR TIMES A DAY. THIS COMPANY WILL NOT WORK WITH YOU AT ALL. THEY ARE VERY RUDE.
Product: Credit reporting or other personal consumer reports

I have submitted a compliant in writing stating that the account number XXXX XXXX XXXX XXXX XXXX was reporting incorrectly. I advised that an account could not be listed as 120 days late and closed at the same time. I have discussed with this agency also via phone. Nothing has been done. Please update reporting information. Also, I have asked this company to update my name and nothing has changed. My name is spelled XXXX XXXX. This goes against might of fair an accurately reporting. Please assist. 

I have asked XXXX and Experian to update my name as it appears on my XXXX XXXXXXXX XXXX XXXX. There are several names listed on these reports with incorrect spelling and various versions. I have contacted the companies but no assistance. I was advised to contact the reporting which wasnt any help.
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention certain concerns regarding the information contained in my consumer credit report, as provided by XXXX, TransUnion and XXXX. As a consumer, I am keenly aware of my rights under the Fair Credit Reporting Act ( FCRA ) and the importance of ensuring the accuracy, fairness, and privacy of my credit-related information. Under 15 USC 1681, Section 602a, there is a fundamental need to ensure that consumer reporting agencies exercise their responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. Furthermore, 15 USC 6801 underscores Congress 's policy that each financial institution has an ongoing obligation to respect the privacy of its consumers. I have recently become aware that [ XXXX XXXX XXXX ], a financial institution by definition, has reported certain information to your agency without obtaining my explicit consent as required by 15 USC 1681, Section 604a, Section 2. Additionally, I must assert my right to revoke any and all authorizations, whether verbal, nonverbal, written, implied, or otherwise, in accordance with 15 USC 6802 ( b ) ( c ). Moreover, it has come to my attention that the reported information includes adverse items, violating the statutory provision of 15 USC 1681 ( c ) ( a ) ( 5 ), which prohibits consumer reporting agencies from including certain items of information without proper authorization. I wish to emphasize that, as per 15 USC 1681s-2 ( A ) ( 1 ) ( a ), any information furnished to a consumer reporting agency must be accurate. Given the discrepancies I have identified, it is evident that there may be inaccuracies in the reported information, constituting a potential violation of the law. Furthermore, 15 USC 1681E mandates that consumer reporting agencies maintain reasonable procedures to avoid violations of section 1681C and limit the furnishing of consumer reports to the purposes listed under section 1681B. I am concerned that the procedures in place may not be sufficient to meet these statutory requirements. In light of the aforementioned issues, I am formally disputing the accuracy of the information reported by [ XXXX XXXX XXXX ] and kindly request a thorough investigation into the matter. I have enclosed relevant documentation supporting my claim for your review. Please be advised that, under 12 CFR 1016.7, I am exercising my right to opt out of any adverse reporting services provided by [ XXXX XXXX XXXX ]. I trust that you will promptly investigate this matter and take the necessary steps to correct any inaccuracies in my credit report. Thank you for your prompt attention to this matter. I anticipate your cooperation and a swift resolution.
Product: Credit card or prepaid card

I paid the majority of the balance of my card with Comenity Bank off on XX/XX/XXXX per their own records. To date, they have not reported the balance reduction to the credit bureaus. I called on XX/XX/XXXX asking why it wasn't being reported. They said they did system updates and hadn't reported anything for anyone in months. They assured my they would report my updated balance on at the end of XXXX. It is now almost the end of XXXX and they still haven't reported.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute several errors, discrepancies, and unrecognizable accounts that are appearing on my credit report. I have carefully reviewed the information provided by your agency and have identified the following inaccuracies : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXXExperian XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Improper Reporting : I have sent multiple letters to each credit reporting agency, ( Equifax, XXXX, & XXXX ) asking them to verify that my report is correct. They have updated my accounts improperly as of XXXX. I have done a thorough investigation of my own and found that my credit reports are still showing inaccuracies. 

In accordance with the Fair Credit Reporting act. The list of agencies and accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681. 

[ LIST OF ACCOUNTS ] EQUIFAX : ( XXXX #. XXXX Reported Balance {$9000.00} ) & ( XXXX #. xxxxxx XXXX Reported Balance {$10000.00} ) & ( XXXX #. # # # # # # XXXX Amount {$340.00} ) XXXX : ( XXXX #. XXXX Balance showing {$9000.00} ) & ( XXXX #. XXXX Balance showing {$10000.00} ) & Names that are not mine ( XXXX XXXX Name ID # XXXX ) & ( XXXX  XXXX Name ID # XXXX ) Inquiry on XX/XX/XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ) XXXX : XXXX XXXX #. XXXX Balance showing {$9000.00} ) & ( XXXX #. XXXX Balance showing {$10000.00} ) VIOLATIONS : 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.

15 U.S.C. 1681 SECTION 602 A. States that I have the right to privacy.

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

CFR. 1006.18 ( C ) ( 2 ) False, deceptive, or misleading representations mean. A debt collector must not : Communicate or threaten to communicate to any person credit information that the debt collector knows or should know is false, including the failure to communicate that a disputed debt is disputed. 

XXXX XXXX XXXX XXXX XXXX is illegally reporting on my credit report. XXXX XXXX XXXX XXXX has failed to report this account as disputed since XX/XX/XXXX. This is also a medical account with HIPPA privacy laws. 

EQUIFAX, XXXX, and XXXX have failed to complete proper investigations after several requests for corrections to be made. Each agency is improperly using my information and violating my rights to privacy and confidentiality. 

I have included copies of credit reports to show these violations. I have also included copies of letters requesting that these companies correct the inaccuracies and improper use.
Product: Credit reporting, credit repair services, or other personal consumer reports

NCB XXXX a debt collector continues to report an account that was discharged in a bankruptcy as an open account. The information includes a balance of {$150.00} as if it is the current balance. I was told by XXXX that their legal department says it must be reported that way when I spoke to him on XX/XX/19 and XX/XX/19. Both dates he said he would contact me. He didnt contact me on either date. I was told the only way the account would be considered closed is if the balance was satisfied.
Product: Credit card or prepaid card

Someone opened a XXXX XXXX credit card in my name. I have spoke to the collection company and told them that I was NOT the person who opened that account and that I only WORKED for XXXX XXXX back in 2002. For some reason, there is a XXXX dollar collection from it. IT. IS. NOT. MINE!
Product: Debt collection

On XX/XX/2017 I saw that I haven't applied for a chase card. I call up the company to tell them that it was mistaken identity but never took it off my credit report. They told me that this will stay on my credit report. I have no idea about this account, can you please take this off!
Product: Consumer Loan

I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of XXXX 2014
Product: Mortgage

I started a mortgage assistance program back in approximately in XXXX or XXXX and the company PHH mortgage delayed in responding also in the past I was behind for more than 8 months and they just kept telling me that it would take time 0f 30 days for a response from the underwriting finally PHH mortgage said that I was denied mortgage assistance of a modification so they would be able to put me on a payment plan I had to come up with {$7000.00} which I did and I was still behind because I was not getting no resolution from PHH mortgage they just string me along so again I got behind and again they requested another {$4000.00} which again I paid so finally I was only like behind for XXXX, XX/XX/year> again at this time they again did a mortgage assistance application in the meantime I was able to pay so that I wouldn't get behind over 30 days I sent in a payment in XXXX to cover my XXXX payment so I didn't get behind more while they were working on my mortgage assistance they accepted my payment so in XXXX XXXX I made another payment to cover for XX/XX/year> and they rejected my payment through bill pay I paid cash and now they sent me a letter that I didn't qualify for assistance they won't let me make payments in the meantime while my application is in process they make me get behind for not accepting my payments and now they are trying to do a forbearance they returned my payment that I did through XXXX XXXX on XXXX and as of now XXXXXXXX XXXX XXXX will not let me get my money out both companies XXXX XXXX and PHH mortgage are giving me the run around according to both parties the escalation team is working on it and an investigation is being done and according to them it can take up to 14 days to I have had both companies on 3 way to clarify and no response to this day XXXX I'm still not able to retrieve my money from XXXX XXXX both parties are not responding to my complaint I would like to have both parties addressed to my complaint PHH mortgage contact phone number is XXXX and XXXX XXXX phone number is XXXX I have made over XXXX phone calls to both parties for immediate resolution and nothing has been done on both ends. I
Product: Debt collection

Good evening ; this company SCHEER , GREEN & BURKE L.P.A . I have disputed this before I need this company to not attempt to use my data since my name is a trust and is assumed and will take them to court for using name or data without consent. The company is asking me to write a letter and I will not assume responsibility is not mine and I will not give them any information of mine after they committed fraud by using my information without my consent. Also there is a declared disaster emergency in my area and they should not be reporting anything without my consent. I demand this company to stop harassment and trying to force something that is not mine. And I will have to put a court order asking them to provide information on how they were able to steal my data. I demand them to stop any reporting or I will be obligated to take them to court and I will defend myself as a woman and with the constitition rights as I have my assumed and trade mark name and they violating my rights as LAW land, air and water. Please do not use any data without consent because in court they will have to pay for the lien i have towards myself if anyone uses my name or any of my data because Im the beneficiary of the trust. Please I will notarized a letter and ask them for a verification of how they stole my data since I had identy theft and I consider that they were able to steal data and use it without my consent. Right now a lot of companies that have used my name as credit reporting agencies have to respond as well for miss using information without verifying it first.
Product: Credit reporting or other personal consumer reports

The XXXX account was opened in XX/XX/scrub> 2024. I assumed it was for a line of credit. The company charged my checking account {$35.00}. The next payment will become due XXXX, XXXX, 2024. After further investigations into the company and found out that it was a credit building account, it was cancelled by me on XX/XX/scrub> 2024. The agreement was XXXX. As a result of this action : all associated or linked payment methods, and autopay will be turned off for this account. My account will be reported to the credit bureaus as closed during the next reporting cycle where applicable, I do not owe XXXX any further payments on this account and once an account has been closed, they will not be able to resume it at a later date. My account number was XXXX.
Product: Debt collection

i graduated from XXXX XXXX received my XXXX in the mail. my tuition was fully covered by financial aid. I even had a XXXX balance. next thing i know i have aa XXXX balance months later. i dont know what type of came the company is running. but there are plenty of complaints on ever website about this same issue
Product: Mortgage

I submitted a CFPB Complaint on XX/XX/XXXX-XXXX. 

Response dated XX/XX/XXXX from CHASE states my loan Trial Period Plan is APPROVED. However, the trial plan would be sent separately once generated. However, a Trial Period Plan payment letter was generated on XX/XX/XXXX Did they not see this letter generated? Representative 's at CHASE explain that this letter should not have been sent as they see that the Modification was denied by Final QA and returned to Underwriting. An explanation on why it was returned, is not in the system. Therefore, they were not able to advise of reason why it was returned to underwriting.XX/XX/XXXXI spoke to XXXX XXXX from the CHASE-Executive offices. He stated that my Modification, was NOT approved. That letter dated XX/XX/XXXX advising me of my Trial Payment being DUE was an error or glitch in the system. That my Modification had been rejected from Final QA and they are pending a response from the Underwriting Department.XX/XX/XXXX, I spoke to by Relationship Manager XXXX XXXX, whom also advised that my Modification was NOT approved. That she would send e-mail to the Underwriting Dept. as she could not give me a response as to the letter I received and that she was not able to view it in the system. I advised I complied with the 1st Trial Payment and made the {$1200.00} payment. I would appreciate that the Executive office responding to the CFPB complaint provide accurate information and not further provide inaccurate retention approval and their response is unacceptable. Time is of the essence and CHASE inability to communicate efficiently, provide false retention assistance/approval, may put my loan to potentially be referred for Foreclosure.The response is misleading as the Modification has not been approved.