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

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXXXXXX XXXX XXXX Account # XXXX, XXXX  XXXX Account # XXXX, XXXX  XXXX Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXXT XXXX Account XXXX XXXX, XXXX NM Account # XXXX, XXXX  XXXX Account # XXXX, XXXX  XXXX Account # GWHZXXXX 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: Vehicle loan or lease

In XXXX, my car was totaled by the insurance company, and Bridgecrest required proof of XXXXXXXX XXXX. As a result, Ive been left with the bill. I explained that I could have repaired the car and was willing to pay for it, but they took possession of the vehicle for insurance purposes. Now, despite making all my payments on time, they are reporting late payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX XXXX its states i was passed due for 60 days. & I sent my enrollment paper that stated I was still in school. & my information have not been updated. & if you could help me get the information that would be great.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted a dispute with XXXX  on 2 different occasions about an account that is list in my credit report twice. Each time they have done their investigation they have said both accounts are correct. This last report they sent me after my dispute I saved. It clearly shows that the 2 accounts are duplicates. They even list the exact same account number. I have also disputed the fact that the collection agency is charging interest on the account and I have been informed that a collection may not charge interest on an account that wasnt part of the original contract but this company is trying to charge interest on the account. I dont know what this collection is or when I supposedly owe this or for what but I can see that it is a medical collection and so Im guessing it is an old hospital bill. All the times I have been to the hospital nowhere have I seen it state anything about being charged interest. Both XXXX and Wakefield and associates have clearly violated the fair credit reporting act. XXXX by not performing a real investigation into this account and Wakefield and associates by reporting false and inaccurate information.
Product: Credit card or prepaid card

On XX/XX/2017 i went on XXXX to see if there are any interesting credit card offers for me, after putting in my information including the last 4 digits of my social security number an offer came up offering XXXX Amex Membership rewards point for signing up for the Platinum card, I clicked on the offer, it then requiredme to log in to my americanexpress.com account, after that I got to a page with the offer, it required me to put in a few basic information, I read through the entire offer including all the terms and condition and I found to be eligible for this offer, it did not state anywhere that the offer is not available to applicants who have had this product before, so i went ahead and applied for this offer, I got approved and completed the required spending threshold, but when it came the time frame of receiving the bonus I saw that no point came in, I called American Express and they informed that since I already had this card in the past I am not eligible to receive the signup bonus, so I said that there was no mention about this in the application, they insisted that it does state that in the pplication, I asked them to open a complaint, after waiting months the case just closed saying " case was closed as Non Amex error as no defect was found post investigation '', this is unacceptable as American Express was clearly saying that I will get the signup bonus and they have no reason to deny me these points
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX Balance {$2200.00} XXXX XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX Balance {$6000.00} XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX Balance {$4000.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance {$1000.00} XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XX/XX/year>
Product: Debt collection

RE : Existing complaint # : XXXX XXXX has sent the bill to : Afni, a collection agency. 

I do not owe this bill. Neither XXXX or Afni has heard my side of this wroglfully accessed debt. Afni just takes the word of XXXX  becaue they are a big corporation and can get away with ruining a persons credit without merit or cause. Below is my original complaint. Afni needs to read this. Collection agencies should not have the right to assume a debt is owed without talking with me first. 

XX/XX/2020 XXXX you will see I purchased an XXXX from XXXX XXXX. The XXXX didn't work properly and I made seven ( 7 ) calls within fifteen ( 15 ) days to XXXX. I also took the XXXX back to XXXX XXXX and I took it to a local computer/phone repair shop. It would be fixed for a day and go back to not working. My carrier was XXXX. The first thing of note is the people I talked with at XXXX had me calling them back until I had PAST THE FOURTEEN DAY return policy. All of my calls to XXXX are verifiable. On DAY FIFTEEN when I called I was told I was out of luck having them do anything for me. I refused to give up and got through to a " specialist '' within XXXX. I'll make a very very very long story short, I was told I had a right to a FREE replacement or upgrade as I had bought insurance that covered a one time replacement. I received that XXXX and it has been working fine. One day I received a bill for the free replacement XXXX. I am being harassed by XXXX and they are putting this debt in for collection. I returned the old ( 15 days old XXXX XXXX as requested ( see attached ). XXXX sent the instructions and a box on how to return the XXXX, which I followed. I sent it back within the timeframe stipulated. XXXX is absolutely in the wrong. I will not pay this bill and it should not go into collection. Not until I got farther up the line of employees at XXXX was I told I had the replacement coming to me. 

I want the CFPB to publish this description on consumerfinance.gov so that others can learn from my experience. 

This debt needs to be canceled and taken out of collection. I did everything I could to resolve the issue with that phone and it was not fixable.
Product: Credit reporting or other personal consumer reports

This is my numerous requests to tell you that I am a XXXX XXXX XXXX XXXX  and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

This collection company keep reporting the same debt owed as a new collection every week on my credit report. Every week I receive a notification that this company has flagged my credit report with this same debt.
Product: Credit reporting or other personal consumer reports

This CFPB Complaint is being filed due to Equifax not Complying with CDIA and FCRA Guidelines by furnishing Unverified/Inaccurate information on my credit report. As per CDIA Metro 2 guidelines and FCRA 15 U.S.C. Sec 1681c, this information must be corrected or removed if unverifiable .I have attached a copy of my dispute containing the details of errors & violations. I Have also submitted a complaint to the XXXX XXXX XXXX in regards to the violation of my rights by XXXX XXXX as well as damages caused by these " errors ''. The account in question is reported as XXXX Account # XXXX
Product: Credit reporting or other personal consumer reports

My credit report contains errors related to XXXX USC XXXX, specifically unauthorized hard inquiries. These are harming my XXXX XXXX, and I request their immediate removal.
Product: Credit card or prepaid card

My new Chase card came with an offer. Spend $ XXXX within 3 months of account opening and we'll give you XXXX bonus points. 

Chase sent my card to a PO Box , even knowing that a PO Box would get bounced back in the mail. So I called and gave them my physical address. But they sent it to the PO Box again. So it never made it to me. 

So I called again, gave them my address, and they sent it to the PO Box AGAIN! At least, this time they used XXXX and it made it there. 

So 3 times to the wrong address, and a month and a half later, I have my card. I was told by customer service they can take a look at extending that introductory offer window. They said marketing will take a look at it and give you a decision in 7-10 business days. 

A month later, no answer. I call, and the customer service rep re-escalates. Here we are, again 10 business days later, and still no answer. 

They haven't lived up to their end of the deal, why should I pay my balance? But what is my recourse?
Product: Mortgage

I applied for a loan modification after my Covid forbearance ran out. I was sent a letter on the XXXX saying documents were missing. During the month it was in the review I received over 10 collection calls and not one told me documents were missing. Right after on the XXXX SLS ( Specialized Loan Servicing ) Saying THat I was denied for all options to keep my home and continue paying my mortgage. XXXX was done even though our COvid hardship has passed and My wife and I are working and willing to pay to keep our home. We just can't pay a year 's worth of payments in one shot. At no time did they offer any of the government waterfall options. How would I be able to reply and send documents if they sent a rejection on all fronts a day after asking for documents? Obviously, all they want to do is kick us out and not even give us an opportunity or respect the Covid programs given by the government. Please help us as we are being railroaded by an obviously crooked loan servicer.. 
Sincerely, XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I'm writing to have the following information remove from my credit file, the items that I need deleted are going to be attach in a pdf document. I am a victim of identity theft I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report I ask that these items be deleted so my credit report will only show accurate information I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report I would like these items deleted from my report as soon as possible. Please block this information from my credit report pursuant to section 605B of the Fair Credit Reporting Act.
Product: Checking or savings account

have police report back since 1999 someone stole my id ftc violation i'm stilling paying on the other person act
Product: Student loan

I currently have my loan serviced with great lakes, the website is very hard to understand, nor is there a way to see an amortization schedule to see how much principal/interest I am paying into the loan, there is also not a way to pay down principal which seems to b e in violation of the higher education opportunity act of XXXX.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of dispute, 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 funds was impossible and that tracking these transactions was 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 consumer safety.
Product: Credit reporting or other personal consumer reports

I sent a letter to remove items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 reporting or other personal consumer reports

My account with XXXX, XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in 60 days to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX, XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports 8
Product: Credit reporting or other personal consumer reports

I have disputed through XXXX XXXX, XXXX. It comes back accurate for this account through PORTFOLIO RECOV ASSOC. Account # XXXX Amount {$1900.00}. I have no knowledge of this account. I have sent certified mail to all three bureaus requesting XXXX XXXX XXXX to provide documentation and or contract with my signature on this debt and they have not responded. This is inaccurate reporting according to the Fair Credit Reporting Act. Please investigate this as this is hurting my credit.
Product: Checking or savings account

Regarding the debit card account, for Capital One, the website says, " No fees to open, keep & use '' & " There are no fees to open, keep or use your Capital One 360 Checking account, or for foreign transactions fee. '' I recently used my debit card to withdrawal money from ATM, and the looking at my statement I seeing fee amounts for each withdraw. 6 withdrawals ranging from XX/XX/XXXX to XX/XX/XXXX. 

( see attachments ) Fees totaling : {$30.00} I called capital one asking them to uphold their original statements from the website and they refused. 

I am considering closing this account because of this unprofessionalism and shady practices by Capital One.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. 

XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXX Also, In accordance with the Fair Credit Reporting Act, the list of accounts above have violated my federally protected consumer rights privacy and confidentiality under 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 States a consumer reporting agency can not furnish an account without my written instructions.

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 reason to believe that the information is inaccurate.

15 U.S.C. 1681c ( a ) ( 5 ) Section states no consumer reporting agency can make any consumer report containing any of the following items of information Any other adverse item of information, other that records of conviction of crimes which antedates the report by more than 7 years.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing you this statement once again to inform you that you have indeed violated my consumer rights as a federally protected consumer. The federal law under the FCRA states that in order to disclose my personal information you have to have my written consent making you liable also under the 15 U.S Code 1681n ( a ) ( 1 ) ( A ) Civil Liability section. Basically, you are committing identity theft.

I have the right to privacy as a consumer which is stated in 15 USC 1681 ( a ) ( 4 ). You dont have the right to furnish my information on my consumer report stated by law. If you have the permission to furnace my report. Send me the signed contract that gives you consent that contains my signature giving you consent to do so.

Also, there is not a possible way debt can be validated under 15 U.S. Code 1692g ( 5 ) ( b ). You have been messing up my life with this false information being reported.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers 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: Debt collection

I sent a letter to ACS letting them know I had been a victim of identity theft years before the accounts had even showed on my credit report and I provided my supporting documents and police reports made about the identity theft and ACS refuses to delete the fraudulent accounts from my credit report stating in a letter its verified ACS provided no physical evidence to why they wo n't remove it, according to the FDCPA and FCRA they have violated the law and I am well within my legal parameters to file a civil suit along with defamation of character against them. If they do not delete these accounts that are not mine that resulted from identity theft I will exercise my legal rights and file a civil suit.
Product: Credit reporting, credit repair services, or other personal consumer reports

JP Morgan Chase pulled my credit report three times in XXXX of 2021, and I only applied once.
Product: Debt collection

Daily phone calls from different phone numbers and ocassional letters on a debt that is over 16 years old