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

In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These have violated my rights per 15 U.S.C 1681. 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 a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C. 1681c ( a ) ( 5 ) 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 that antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) states : 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

1. XXXX XXXX XXXX 2. XXXX XXXX 3. XXXX 4. XXXX I wrote to the credit bureaus and requested that they confirm the debt listed on my report. They have replied with the statement that everything has been correctly confirmed. My credit report still contains errors. 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: Checking or savings account

In XX/XX/year> Bank of America sent me a text saying that my business checking account was in overdraft. I logged into my account and noted that {$310.00} was charged to mu account. I had no idea where it could have come from. I disputed the charge and filed the necessary ACH forms. I was told my Bank of America that because I did not report it the day that it happened, I had to wait for an investigation. I waited for a few months. I received a docu-sign agreement with my name on it. I never signed this agreement. Per Bank XXXX rules, all docu-sign agreements must have a hard copy of the persons actual business signature. Bank of America have never produced any document with my signature giving XXXX Bank and or XXXX XXXX to debit my account. I originally called Bank of America between XXXX and XX/XX/year> to discuss a merchant account. I gave the agent XXXX XXXX XXXX my information and told him that I was interested in getting a merchant account. He told me that the merchant account would cost me {$470.00}. I told him that I did not want it. He asked if he could call me right back. I said yes. He called my on his personal number. I didn't think anything of it at the time. Once I saw the docu-sign paperwork, I began looking through my computer and my phone to see it I had spoken to anyone during the alleged authorization period. I found phone calls to XXXX and from XXXX XXXX XXXX during this time. I checked my computer to see if I might have sent a response. There is no response from me to Bank of America, XXXX XXXX or XXXX XXXX. I offered to allow Bank of America to look at my IP address to confirm that I did not respond to the offer for a Merchant Account. I asked for a copy of my real signature giving them permission to charge my account and they have not been able to produce my signature, or a voice recording of me giving them consent to debit my account. 

XXXX XXXX XXXX intentionally debited my account without my permission. I have attached my records for your review. I have enclosed Bank of America 's response for your review. I have attached my documents and Bank of America 's response. 

Sincerely, XXXX XXXX XXXX
Product: Debt collection

Have an old account with XXXX  XXXX  that was sold to portfolio Services LLC. I received call as time of day from random numbers. They pretend to be calling from an attorneys office and when I do answer or tell them to stop calling they get rude threatening and continue to harass me
Product: Mortgage

XXXX XXXX XXXX sold my second mortgage to SLS LLC. SLS will not send me statements or provide me a payment history.
Product: Credit reporting or other personal consumer reports

I sent you a letter recently and you were required to enter a notice of dispute within 30 days of receipt to my accounts so that my creditors and anyone else pulling credit report will know that these items are being disputed by me. Section 623 stipulates that if this notice of dispute is not entered within this given timeframe, all disputed accounts must be deleted from my credit report for violation. Also, there is inaccurate information reporting and you failed to conduct a proper investigation into these items. You instead sent a stall letter alleging that a third party was submitting on my behalf. I, XXXX XXXX am a natural person and not a third party. I am including a list of my disputed items along with the dispute letter, which is dated, and time stamped. Attached is my credit report showing that the account does not show a notice of dispute. Remove the following account from my credit report due to FCRA violation : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

We requested a payoff of our loan # XXXX from Rushmore Loan Management Services. They sent us a letter dated XX/XX/XXXX showing a payoff amount due by XX/XX/XXXX. We obtained a cashier 's check in that amount and mailed it to them on XX/XX/XXXX, with a USPS tracking number of XXXX. As the tracking number shows, the Post Office lost our payment, but found it and sent it on its way, arriving at XXXX on XX/XX/XXXX. On XX/XX/XXXX Rushmore began leaving telephone messages on our home phone asking that we call them. We were on vacation that week, and did not receive the messages until we returned home on the XXXX. I called them on receipt of the messages and was told they were closed and I would need to call during business hours. On the XXXX I reached them to discover that they claimed our check was deficient, even though it was in the exact amount called for in their letter. They said they had returned the check to us, and are now demanding more money, including late payment fees. They are saying that, because XX/XX/XXXX fell on a Sunday, they could not deposit our cashier 's check. I think their letter should have had some other due date if that was the case!
Product: Credit reporting, credit repair services, or other personal consumer reports

The balance on this account is not correct as this account being reported as an Charge-OFF. As I can see the XXXX XXXX XXXX # XXXX suppose have taken over the alleged debt. Therefore, how can there be a balance and this account is report differently on all 3 credit agencies. Therefore, this account is inaccurate and needs to be delete per the Fair Credit Act. The credit agencies will be held liable for the inaccurate information and sued. XXXX XXXX XXXX XXXX XXXX # XXXX This is double " jeopardy '' and the credit agencies will be accountable for it.
Product: Credit card

I have a Bank of America credit card. Last XX/XX/XXXX I took advantage of 0 % APR balance transfer offer that they had that offered a balance transfer at 0 % APR until XX/XX/2018 for a one-time transfer fee. I have transferred balances to this credit card earlier without any issues so I was not expecting any problems this time. However, when I happened to check my credit card balance this month, I noticed that I was being charged a 1.99 % APR. I have tried calling Bank of America several times and even spoke to one of their supervisors but could not get anyone to help with fixing this. The Customer Service manager transferred me to Sales and Sales says that they only deal with new credit card applications, not existing cards. I have spent over two hours on the phone with different people at Bank of America and no seems to know how to fix their error and get me my promised 0 % APR offer. I took advantage of this offer online but checking back, I do not see any email confirmation from them. I do n't have any documentation to prove my claim but since it was done online, there should be a record of this transaction with Bank of America. Their XX/XX/XXXX statement onwards shows the wrong offer ( 1.99 % APR instead of 0 % APR ) on the statement.
Product: Mortgage

Received Newrez Mortgage assistance offer, trial approval documents XX/XX/XXXXXXXX  with the amount of the trial 3 payments. Trial payments were made on the due date but I received foreclosure letter from foreclosure lawyer saying my house would be foreclosed on XX/XX/XXXX. I'm a XXXX  citizen I don't want to lose my home.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, PORTFOLIO RECOVERY Have furnished debt that has been closed without my consent and are calling XXXX  times a day, sending letters and reporting on my credit reporting as open account
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been reaching out to Equifax about the XXXX XXXX XXXX account that is reporting inaccurately on my report. I asked for them to investigate and verify the information they are reporting and I haven't received a response from them, proof an investigation was completed, comments showing the account was in dispute or anything. I have been sending letters to them since XXXX of 2020 and still haven't received a response in regards to this account. I'm in the process of trying to purchasing a home and this inaccurate account is preventing me from moving forward. They are also still reporting an outdated Bankruptcy.
Product: Credit reporting or other personal consumer reports

I would like to dispute these negative accounts on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a third party which is not true. I have attached my ID and letters to this complaint for your review. 

XXXX : XXXX XXXX XXXX  XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXXXXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX  XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Account Number : XXXX {$16000.00} XX/XX/XXXX XXXX XXXX XXXX Account XXXX : XXXX {$4000.00} XX/XX/XXXX Experian : XXXX XXXX XXXX XXXX Account Number : XXXX {$16000.00} XX/XX/XXXX XXXX XXXX XXXX Account Number : XXXX {$4000.00} XX/XX/XXXX XXXX : XXXX XXXX XXXX XXXX Account Number : XXXX {$16000.00} XX/XX/XXXX XXXX XXXX XXXX Account Number : XXXX {$4000.00} XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. I feel like I'm being taken advantage of and being ignored. At this time I would like to prepare another appeal for investigation before I confer with my own counsel to obtain advice on how to handle fraudulent, incorrect and unverifiable account that is kept to be established as correct. I am in desperate need of this item to be INSPECTED and REMOVED. XXXX XXXX XXXX Balanced {$550.00} XXXX XXXX XXXX Balanced {$0.00} XXXX XXXX XXXX Balanced {$360.00} XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Enhanced Recovery XXXX XXXX XXXX is trying to collect a debt- that is not mine. The birthday is not even mine on the information.
Product: Credit reporting or other personal consumer reports

I received a debt collection notification letter dated on XX/XX/year> from XXXX XXXX XXXX XXXX XXXX for a Prosper account originated with XXXX. It states that my XXXX  account was now owned by XXXX XXXX XXXX XXXX, XXXX and the total amount of the debt amount was {$1300.00}. Following the notification, my Prosper account was settled with the collection agency. This settlement was completed on XX/XX/year>, and the balance was resolved in full. I received two emails from the collection agency : Agreement to Resolve Your Account letter issued on XXXX XXXX and Account Resolution Confirmation letter issued on XX/XX/year>. However, to this date, almost a year after it was settled and resolved, the balance is shown in my records as owed. The collection agency has failed to update my records in the credit reporting bureaus. I have made multiple phone calls to both the collection agency and original lender. Multiple times, they opened tickets to investigate the matter, but have never reached out to me with updates or results. I sent a letter requesting the collection agency to update my records. I request the Consumer Financial Protection Bureau to enforce compliance on the collection agency 1 ) to update my records accordingly and immediately.

2 ) to cease any further collection activities regarding this account 3 ) and ensure that no negative marks related to this resolved debt appear on my credit report. 

Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

U.S. Department of Education has been furnishing personal transactions to consumer agencies since XXXX. Money purchase loan one is {$3900.00} and Money purchase loan two is {$3400.00}. Account has been closed and sold to a collection agency who reopened and inserted late payments and started account over again. This is the first action taken. 
This is in violation of both the Family Educational Act of 1974 and the Privacy Act of 1974. 

45 CFR 1800.9 Disclosure of record to a person other than the individual to whom the record pertains.

The Foundation WILL NOT disclose a record to any individual other than to the individual to whom the record pertains without receiving the PRIOR WRITTEN CONSENT of the individual to whom the record pertains.

These entities knowingly violate their agreements with malice.

This is my notice to opt out as I was never given the opportunity to.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX When I try to call XXXX they tell me the account is old and they can not find information on this account but they are still reporting it to all three major credit departments. 

I would like these two account remove from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect personal pieces of information were found in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the incorrect personal pieces of information that are reporting on my Credit Reports and need to delete immediately : Wrong Name : XXXX XXXX Wrong Addresses : XXXX XXXX XXXX XXXX  XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Product: Vehicle loan or lease

My car was recently declared a total loss and my insurance company paid off the loan. 

Ally is still inaccurately reporting that my loan is open and passed due. 

Additionally they tacked on over XXXX in finance charges with which I do not agree.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had an XXXX XXXX XXXX credit card ( administered initially by XXXX XXXX XXXX ) for years without issue, always paying my full monthly balance each month through an automatic withdrawal from my bank account. I use this credit card only occasionally for travel expenses and otherwise mostly rely on other cards for my routine day to day expenses. A few months ago, my credit card account was transferred from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX without any notice, written or otherwise, to me. At the same time my longstanding autopay was cancelled. I was not furnished replacement credit cards or other notice that the small monthly ( non-delinquent ) balance of a few XXXX dollars was being transferred to a new bank, without my autopay, and without a chance for me to easily pay the balance. I did not notice an issue with the credit card as I do not regularly use it when I am not travelling. XXXX began to leave me voicemail messages simply asking me to call their XXXX number without giving other information, I assumed this was spam as I had no known accounts with XXXX They finally sent a written notice via mail to my home address demanding payment for an outstanding balance ( showing an account number last 4 digits that I did not recognize, without any other statement details, including the amount owed or other details that would verify that the notice was not spam/junk mail ). This led me to call them and finally understand that they had taken over my account, cancelled my autopay, and now charged me several late fees and interest, and reported my account as delinquent to credit rating agencies, all without having given me proper notice or a chance to pay off the small balance. I immediately paid the outstanding balance ( they did waive the late fees and interest ), and closed the credit card account. The credit reporting issue is the a major outstanding problem, as I am looking into buying a home very soon. Since my account was not properly handled and I was never given an appropriate opportunity to pay the balance, the delinquent notice on my account is inaccurate and should be immediately removed from my credit reports to repair my credit before I seek financing for a home mortgage loan. I have never had issues with credit card debt and this issue will significantly impact my otherwise excellent creditworthiness. When I called XXXX with this issue, I was told they would " look into it but can not promise anything. '' This is not an acceptable response and I need my credit to be repaired immediately.
Product: Debt collection

The company closed this card in XXXX. The wanted to verify some information from me and it could not be verified because they sent information to an address that I no longer live at. There is also a fraud alert on the account so no account should have been open or closed. To properly verify my identity, I went into an actual Victoria Secret to show my ID to open a card the right way since this was not done with the previous account. Now please remove that closed account from my credit file
Product: Money transfer, virtual currency, or money service

I want to writing to formally express my concern regarding Zelles handling of disputes, particularly in light of CFPB lawsuit highlighting significant issues using this platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me of recovering lost funds was impossible and tracking these transactions was infeasible. 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 scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX bill. I have disputed with the credit bureau, XXXX, and the collection agency. I was never contacted before this debt collector destroyed my credit! I never had a chance to prove that this is not my account.
Product: Credit reporting or other personal consumer reports

IM IN DISAGREEMENT WITH THE ACCOUNT LISTED BELOW WHICH STILL APPEARS ON MY CREDIT REPORT, EVEN AFTER YOUR INVESTIGATION. I WOULD LIKE THIS ITEM IMMEDIATELY RE-INVESTIGATED. THE INACCURACIES ARE HIGHLY INJURIOUS TO MY CREDIT SCORE. 
ACCOUNT : XXXX Account Number : XXXX IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT, In accordance with The Fair Credit Reporting Act, Public law XXXX, XXXX VI, Section XXXX, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. 
Please send me an updated copy of my credit report after your. I ATTACH A SCREENSHOT WITH THE INACCURACIES THAT EACH CREDIT BUREAU IS REPORTING AS THE DATE LAST PAYMENT. BALANCE, PAST DUE. THIS INACCURATE INFORMATION FALSELY MANIPULATES THE STATUTE OF LIMITATIONS
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under ai open end consumer credit plan as late for XXXX purpose.
Product: Credit reporting or other personal consumer reports

I reviewed my credit report and noticed an account that was not reported accurately. i had XXXX late payments on an account that i was in fact paid on time. The reporting agencies need to report all information with accuracy.