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

I applied for a XXXX and was not instantly approved. I looked at my XXXX credit report to see why and noticed that my Husband 's card which he removed me from 5+ months ago was still reporting as currently and negatively impacted my score.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act, 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. 
15 U.S.C 1692b acquisition of location information by debt collectors.
Product: Mortgage

Suntrust Mortgage Company has accessed my account twice between my regularly scheduled billing cycles and has withdrawn an additional monthly payment from my personal checking account. I have a direct payment sent to Suntrust at the beginning of each month, however, they have been collecting an additional payment for {$2000.00} on the fifteenth of each month in addition to my regular payment. After a number of calls last month, they did return this amount to my checking account. Apparently though, they didnt correct the problem and withdrew the same amount this month. I have attempted to call them and have not been offered any easy solution to have them refund this payment. Needless to say, this is causing a hardship on me and my family.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2020 i submitted a dispute letter to transunion. I yet to receive a reply from them. I feel they have had long enough to reply to my dispute
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act, 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. secondly, i have the right to sue if i think consumer bureaus are preventing me from getting certain loans or benefits by reporting false information on my report. Incorrect credit reporting, I have accounts that are not correctly reported- XXXX XXXX XXXX XXXX XXXX XXXX you have it as I owe a total of {$9900.00} but this account is currently paid-off XXXXXXXX XXXX  credit ( XXXX  card ) you have it at {$4000.00} but its actually {$100.00} left on this account. this is the only XXXX card i have but yet you have my XXXX  card utilization at XXXX % mean while its a XXXX credit card and i owe but XXXX on it. thus intentionally holding down my XXXX XXXX with wrong information on my XXXX  report. 
- XXXX XXXX you have it as closed with a debt of XXXX meanwhile this account is currently paid-off. so all these incorrection information you using it to give me a low XXXX XXXX. my accounts are all currently and most paid-off but yet you keep dropping my XXXX XXXX which doesn't make sense to me. 
Do your homework and research before adding wrong accounts to people 's credit report or reporting wrong amounts of figures and holding peoples credit score down for that I f your fast to report accounts on peoples credit information you should be fast as well to update them. 
I will take legal action if i check next time and you have inconsistency with your reports on my account
Product: Debt collection

I've been receiving many calls from Avanteusa ( apparently a debt collector ), from different phone numbers they own and use. I contact them trying to figure out what were the calls about since they have apparently a legit name associated to their phone numbers and explained to them that they have the wrong person on file since the information they have is wrong on such things as : address and birthday. I refused to give them my SSN since they were " requesting it to finally clarify if I was the person I was claiming to be '' but apparently that was the last bit of info they needed to leave me alone. I even check with services specialized in checking on identity theft and thankfully nothing bad has happened to my identity so far but even after talking to them they keep on calling me. It's annoying and it's definitively a harassment to my persona. I wish they could fix their problem if any and stop calling me. Thank God I've never been in a debt collection list and I've always been careful when providing my phone number ( I try to use a different one when I feel like it's going to shared between 3rd parties ) but I guess even with all the measures you can take to keep yourself safe, there's always a way to fall into these kind of annoying calls lists. I wish the government could do more to stop this companies since I did everything that was available on my side to clarify any mistaken info they might have about me.
Product: Credit reporting or other personal consumer reports

Ive been a victim of identity theft., Per the FCRA any item identified as fraudulent Is not to be reported to the bureaus. Ive submitted the ftc report and police report
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts and update or remove them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBd 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 consumer safety.
Product: Credit card

Despite my many years of excellent account management of several CapitalOne cards, the credit limit on this account was reduced from {$17000.00} to {$6000.00} - for no reason other than mysterious risk management software. CapitalOne now refuses to return the limit to the previous amount. 

I successfully battled a zombie debt collection agency which improperly placed a collection item on my credit report in XX/XX/year>. After I took legal action, that item was eventually removed several months later - but only after my credit scores fell substantially ( XXXX points ). That triggered reduction in credit limits of several personal and business card accounts- THROUGH NO FAULT OF MINE - and the chain reaction continued because scores are based substantially on " % of credit used ''. It becomes a self-fulfilling prophecy, i.e., scores reduced, limits reduced, scores reduced further, etc. WHY DON'T YOU GET IT?!? 

Further, CapitalOne 's explanation letter ( attached ) used a different credit bureau report and score which was more than a month outdated from the date of my request. CapitalOne aggressively markets their " XXXX '' product ( see history attached ) yet they use a different bureau and score for limit determination? This is deceptive, improper, and unethical- and should be illegal. As you can see, my score at the time of the request was significantly higher. Further, the XXXX score I see was XXXX at that same time. CapitalOne is improperly " cherry picking '' bureaus and/or scores to support whatever determination they want- in this case, denial of returning my limit to previous.
Product: Credit reporting or other personal consumer reports

expect to see an original proof of the accounts that I am listing below. Your failure to verify these accounts may hurt my ability to obtain credit, under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 
Please verify and remove the following immediately :
Product: Debt or credit management

This agency started working with me on XXXX of XXXX in order to help me settle some of my credit card and personal loan debts. They withdrew biweekly amounts until XX/XX/XXXX totaling up to {$27000.00} USD. In the fall/winter of XXXX the company stopped representing me because they had been sued, yet they kept withdrawing money from my account. Many of my loans and Credit cards were not settled and they left me unattended and will not refund me the full amount of the money I gave to them for over two years. They breached the contract we had.
Product: Mortgage

Citibank called my employer over 10 days to verify my employment despite being notified I was employed each time. This caused embarrassment to me, and felt like harassment. I would like the CFPB to investigate if Citibank does this to each applicant or if I was singled out.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have noticed this incorrect item appeared in my report. I don't know how they can validate this information and put it on my file, but this isn't mine. This is negatively affect me and my scores.
Product: Money transfer, virtual currency, or money service

Zelle never gave warnings that there was no possibility of refund. This harmed me countless times, from fake accounts using friends names requesting payments, and etc. Ive lost over {$500.00}.
Product: Credit reporting or other personal consumer reports

I DO NOT RECOGNIZE THESE CREDIT INQUIRIES ON MY REPORT I HAVE ASKED for them to be removed and they did not do what I asked the bureaus I am providing my identity theft report and I'm requesting them to be removed.
Product: Debt collection

Urgent Request to Address Unauthorized Inquiries : I urgently ask for the removal of unauthorized inquiries from my credit report. These inquiries are causing me significant concern and were not approved by me.
Product: Credit reporting, credit repair services, or other personal consumer reports

My loan is included in the Santander Consumer sub prime loan nys class action settlement. My account was closed per the settlement agreement but they still havent cleared my title, still no money sent to me and they as recently as XX/XX/2021 reported this account as a charge off to all 3 credit agencies with an outstanding balance of {$2200.00}. because of this i was denied a mortgage and my credit score is in the toilet. I have been fighting this company since XXXX was charged nothing but interest for years, had car repo several times and then forced to pay {$10.00} a month just to make online payment because if i mailed it they would hold it until after due date then charge me late fees. They owe me thousands of dollars and my title and now they are ruining my credit. When is this company going to get shut down. I helped XXXX do an expose article on them and they are still allowed to ruin lives!
Product: Mortgage

I was not notified of the foreclosure. Also, two lots are being taken from me when only one was financed. 

Payments were made to Amerifirst in XXXX, XXXX and XXXX of 2018 but not credited to the account. They would not accept any more payments after this. 

Amerifirst should have known that I had federal debt and shouldn't have given me a federal loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

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 I had written to the company XXXX XXXX XXXX  and the bureaus on numerous occasions but to no avail have they complied with the FCRA and provided me with the proper information. I also have written to the bankruptcy court and they sent a letter stating that they don't report to the bureaus and I sent the letter to all three bureaus and they still are reporting on my reports. 
15 USC 1681. Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy.

15 U.S. Code 1692- Congressional findings and declaration of purpose ( a ) Abusive practices There is abundant evidence of the use of abusive, deceptive, and unfairdebtcollection practices by manydebtcollectors. Abusive debt collection practices contribute to the number of personal bankruptcies, to marital instability, to the loss of jobs, and to invasions of individual privacy. 
No proper investigation has taken place per 15 USC 1681a ( e ) investigative consumer report ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit act XXXX XXXX account # XXXX has violated my rights. 

15 U.S.C 1681section 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: Consumer Loan

Initially the re-payment structure online stated {$1300.00}. loan with {$350.00} interest prior to accepting the loan ( XXXX 2016 ). Once I accepted the terms became unclear as a new payment schedule was offered at 497 % interest. I began making payments, but the interest continued to accrue. I requested documentation confirming the terms of the loan and all payments made, but was informed Ace cash does n't offer this type of documentation, but could be viewed online. No information existed online as well once I checked. Interest rates were continually applied, adjusted and re-applied as per the customer service individuals I spoke with but no individual I spoke with could offer clarification of the interest, terms and payments made on the loan. I 've written, but received no response nor telephone call.
Product: Credit card or prepaid card

I received a Chime debit/Visa card in the mail in XX/XX/2023. I never applied for this card and my credit reports do not show this card on my records. I have been receiving lots of emails asking me to activate, connect my bank account, direct deposit my pay, etc. I contacted the actual Chime customer support line but the conversation was highly suspect... .phishing for information continued.
Product: Debt collection

On XX/XX/19 I received a voicemail from Atlantic Recovery Solutions stating rep name XXXX XXXX trying to collect debt for XXXX XXXX XXXX leaving file # XXXX and stating if I don't respond today, failure to respond will result in verifying my employment and any access to property in my name. This rep also called my brother and left a voicemail with the file number. I have attempted several time today to call back the # the rep requested I call back XXXX and get a busy signal everytime. I have no idea what debt this is for.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX Subject : Dispute of Charge-Off Account in my Credit Report Dear Sir/Madam, I hope this letter finds you in good health. I am writing to dispute certain inaccurate information that appears on my credit report. The items in question are related to alleged charge-off accounts, which I believe are incorrect and misleading. 

According to the Fair Credit Reporting Act ( FCRA ), 611 ( 15 U.S.C. 1681i ), I have the right to dispute incomplete or inaccurate information in my credit file. In compliance with this act, I formally dispute the following charge-off accounts : Account Number : XXXX Original Creditor : XXXX XXXX  XXXX XXXX The reason for the dispute is the documents that were sent to me were for the original lease I havent received the new lease that they state is from XX/XX/XXXX to XX/XX/XXXX. 

Please investigate these matters and correct the disputed items as soon as possible. If you need additional information to resolve this dispute, kindly contact me at your earliest convenience. 

I would also like to highlight that under Section 623 ( a ) ( 2 ) of the FCRA, the entities providing this information to you have an obligation to correct, VALIDATE, VERIFY and update relevant information to ensure its accuracy. If they have failed to do so, they may be in violation of the FCRA and in turn these accounts need to be deleted from my consumer file immediately if they cant be validated and verified.

In addition, according to Section 623 ( b ) of the FCRA, upon receipt of my dispute, you must notify the information provider of my dispute. If you find that any of these accounts are indeed inaccurate, incomplete, or can not be verified or validated, I kindly request their immediate removal as per Section 605 of the FCRA, which stipulates that any information that is found to be inaccurate or can no longer be verified or validated must be removed from a consumer 's credit file. If you cant provide me with the original contract with my wet ink signature, and the name and title of the person you spoke to about the above listed accounts showing validation and verification please delete the above listed account Lastly, I want to draw your attention to the Fair and Accurate Credit Transactions Act ( FACTA ) amendment to the FCRA, which provides me the right to obtain one free copy of my credit report in cases where a change has been made as a result of the dispute.

I have attached a copy of my credit report with the disputed items highlighted for your convenience. Please provide a detailed response to my dispute in writing within 30 days of receipt of this letter, as required by the FCRA. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, [ Your Name ] Attachments : Copy of Credit Report with Disputed Items Highlighted
Product: Mortgage

They are insisting that I am delinquent on 2019 taxes, I have sent them proof three times, XXXX county has sent them proof twice and they still are saying that they were never paid and now they're penalizing me an extra {$50.00} a month. They said they sent the check to XXXX county, XXXX county says they sent the check back because it was an overpayment, and the mortgage company is still insisting they never got the refund and the taxes still aren't paid
Product: Credit reporting or other personal consumer reports

I am writing to formally request your assistance in investigating inaccuracies and unauthorized accounts and other inaccurate information on my credit report, which have directly impacted my ability to be approved for loans. Despite my efforts to resolve the issue with the credit reporting agencies, these discrepancies remain unresolved. The information on my credit file includes which I did not authorize or recognize. As a result, my creditworthiness has been significantly affected, leading to my denial for crucial financial opportunities, including loansIappliedfor. 

Inaccurate Address : XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX Late Closed : XXXX XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX Charge Off : XXXX XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX Collection : XXXX XXXX XXXX XXXX Balance : {$3900.00} Date Opened : XX/XX/XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance {$3200.00} Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Chase issued me a credit card that had a 0 % apr for balance transfers until XX/XX/2019, but a high interest rate ( 22.99 variable ) for purchases. I transferred a balance and paid the balance transfer fee. Then I used it for purchases and paid an amount to cover the purchases so I would not get interest. I also paid the minimum on the balance transfer. They took the money and applied it the lower apr and not the way I intended. They spread the money, some went towards the 0 % balance transfer minimum payment due, and some to the 0 % balance transfer amount and some went to part of the 22.99 % purchases. They tell me I can not tell them how to apply the money, even though I know the act says that money needs to go to the higher apr first. Basically, they said that the only way I can avoid paying interest on these purchases is to pay off the entire thing. I got card to take advantage of 0 % interest and they are flouting the regulations of the recent credit card act that says payments go to the higher % first.
Product: Debt collection

CB/WAYFAIR is claiming that I owe them {$1000.00} but I didn't recognize this debt. Please Remove this inaccurate collection from my report.
Product: Debt collection

Portfolio XXXX XXXX is attempting to collect a {$710.00} debt that is not mine. I have tried contacting them at the end of last year about this and it still has not been removed from my credit report. I've included proof from my XXXX XXXX latest credit consumer report that includes every single XXXX XXXX card on my Consumer Report there are XXXX of them. There is not one XXXX XXXX on my XXXX Report that is remotely near or resembles the debt of {$710.00} and the time frame that they said it was opened on my XXXX Report. I have XXXX XXXX XXXX listings on my Consumer Report XXXX are open and in good standing, and XXXX are closed XXXX with a past due amount of {$110.00} and the other with a past due amount of {$430.00} that was just closed XXXX The other XXXX XXXX XXXX accounts are still open so it couldn't be the one that they are claiming has been sent to collections it would have to be XXXX of the other XXXX and if you can see by the examples that I have sent it is neither of those those, there is no other XXXX XXXX charge off or listing that coincides with this debt collector 's false charge.
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX  XXXX
Product: Credit reporting or other personal consumer reports

I kindly ask you to implement this Security Freeze as soon as possible and to confirm its completion via the contact details provided below.