23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Bank of America is incorrectly reporting derogatory information about a HELOC account that I had with them XX/XX/XXXX. Bank of America is reporting that I had a bankruptcy in XX/XX/XXXX which is NOT TRUE ; furthermore, this loan was never late or behind as proven by Bank of America 's own history of this loan provided to me ; therefore they have no right to report this as a derogatory item. They should be penalized for this because this incorrect reporting is hindering me from securing a loan. I am enclosing a copy of a letter that I sent BOA with detail explanation of the issue and supporting documentation.
Product: Credit reporting or other personal consumer reports

RE : Violation of U.S. Code Law ( TILA 15 U.S. Code 1666 ( b ) - Billing Error ) Upon reviewing my credit report, I noticed multiple billing errors that violate 15 U.S. Code 1666 ( b ) : To Whom It May Concern, ( 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 unless they have adopted reasonable procedures to ensure each periodic statement, including the information required by section 1637 ( b ), is mailed or delivered to the consumer not later than 21 days before the payment due date.

( 4 ) Failure to Reflect Payment : The creditor failed to properly reflect a payment or a credit issued to me.

( 5 ) Computation Error : There is a computation error or similar accounting error on the creditors statement. 
Since the creditor did not notify me 21 days before the payment due date, there should be no late payments on this account. I demand solid proof from the creditors bank account showing that I did not pay and was marked latethis is a billing error. The items below must be updated to " paid as agreed '' on my consumer report : XXXX - XXXX This account is PAID on time and PAID as agreed! This is a violation of 15 U.S. CODE 1666B. It was never too late, so delete this 30-day late remark from the payment history. 15 USC 1681b ( a ) ( 2 ) - Permissible Purposes ( a ) In general, subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in written instructions of the consumer to whom it relates. Again, remove this 30-day incorrect late remark and update it to pay as agreed, or DELETE it entirely from my report.
Product: Credit card or prepaid card

Money Network card expired in XX/XX/2021, checked to find existing balance. online checked and found the following transaction - XXXX XX/XX/2021 ( {$81.00} ) Close Account XXXX XXXX. called XX/XX/2021 to get the replace card but explained that funds were returned to the purchaser, which is my employer. contacted the employer, gotten informed that funds never get to returned back to the purchaser.
Product: Credit reporting, credit repair services, or other personal consumer reports

I wrote two letters to this company last XX/XX/XXXX and again last XXXX XXXX, 2017 to dispute incorrect and inaccurate information on my credit report. They are claiming that they did their investigation but there incorrect and inaccurate pieces of information are still on my credit report. They are reporting unverifiable information from my credit report and it has been more than 30 days and no lawful action has been taken. I have enumerated all the items and what 's making these items incorrect and inaccurate on those two letters. Today, I am writing them another letter which is attached to this complaint.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in the light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately.They informed me that recovering lost funds was impossible or 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

This debt with XXXX XXXX XXXX was first charged off in XXXX in XXXX. The agency is continuing to add reporting and updates to the file, as if we have been in contact and I am making payments on this debts. This is effecting my credit rating to the misinformation and incorrection being reported to the XXXX. They last updated Equifax XXXX in XXXX of XXXX. Why is this happening? If you look at my credit reports you will see for the entire year of XXXX there was no reporting, then in XXXX new charge debts being reported. The payment status should not have changed since XXXX. This validates my rights as a consumer, and I feel that the CFPB should take action on my behalf.
Product: Credit reporting or other personal consumer reports

I filing a formal complaint against [ XXXX, XXXX, and/or TransUnion ] for failing to conduct a proper and reasonable investigation into my credit disputes, as required under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. Despite providing supporting documentation, the credit bureaus have erroneously verified inaccurate information as valid, violating my rights under federal law. I disputed the following inaccurate information on my credit report : Incorrect Account Balances Certain accounts reflect incorrect amounts that do not match my records. Wrong Date Opened Accounts show incorrect opening dates, impacting my credit history. Personal Information Errors My report contains inaccurate personal details that I requested to be corrected. Charged-Off Accounts Some accounts were improperly reported as charged off. Closed Accounts Accounts that I previously closed are still being reported as open, which affects my credit utilization. Each of the credit bureaus responded by stating that the disputed information was verified as accurate, but they failed to provide documentation proving their claim. Their response does not align with the requirements of the FCRA, which mandates a fair and reasonable reinvestigation process. 

Legal Violations 1. Fair Credit Reporting Act ( FCRA ) Violations 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) Failure to Conduct a Proper Reinvestigation The credit bureaus are required to conduct a reasonable reinvestigation of disputed information. Their failure to adequately verify the accuracy of the information and their blanket response that my disputes were valid violates this provision.

15 U.S.C. 1681e ( b ) Duty to Maintain Accurate Information The credit bureaus must ensure that all information in a consumers file is accurate. By continuing to report incorrect account balances, dates, and personal information after I provided supporting evidence, they have failed this obligation.

15 U.S.C. 1681i ( a ) ( 5 ) Failure to Correct or Delete Inaccurate Information If a disputed item can not be properly verified, it must be removed or corrected. Since the credit bureaus have not provided proof supporting their verification, they are in violation of this requirement.

2. Fair Debt Collection Practices Act ( FDCPA ) Violations ( If Related to Debt Collections ) 15 U.S.C. 1692e False or Misleading Representations If debt collectors furnished incorrect information to the credit bureaus or failed to verify disputed debts, this constitutes a violation of the FDCPA.

15 U.S.C. 1692g ( b ) Failure to Validate a Debt Debt collectors are required to verify the validity of a debt upon dispute. If they failed to provide proper validation and the credit bureaus continued reporting the disputed accounts, this is a violation of consumer protection laws.
Product: Debt collection

a ) Notice of debt ; contentsWithin five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumers written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. I didn't receive any type of notification as required by law prior to this being added to my credit. This debt is not owed and there wasn't any contract with this creditor.
Product: Credit reporting or other personal consumer reports

The following companies made inquiries without my knowledge or approval. 
XXXX XXXX XXXX XX/XX/year>. XXXX XXXX on XX/XX/year>, XXXX XXXX XXXX  on XX/XX/year>. XXXX XXXX on XX/XX/year>. XXXX XXXX XXXX on XX/XX/year>. XXXXXXXX XXXX  XXXX on XX/XX/year>. XXXX XXXX ( XX/XX/year> a second inquiry was made ). XXXX XXXX ( a second one made on XX/XX/year> ). XXXX XXXX on XX/XX/year>. XXXX XXXX on XX/XX/year>. XXXX XXXX XXXX on XX/XX/year>. XXXX XXXX XXXX on XX/XX/year>. XXXX XXXX on XX/XX/XXXX, XXXX XXXX on XX/XX/year>. XXXX XXXX on XX/XX/year>. XXXX on XX/XX/year>. XXXXXXXX XXXX XXXXXXXX on XX/XX/year>. I did not authorize any of these companies to run my credit. 
I sent complaints to each of the credit bureaus by certified mail to look into these matters. I also contacted them by phone and nothing was done.
Product: Credit card

On XX/XX/year> I went to use my card at XXXX XXXX XXXX XXXX, the card was declined and I got a Citi Fraud alert to verify some transactions. I called and verified and they said I could retry my card. 

The next day my card wasn't going through again so I called in and they said " you called in yesterday to remove an authorized user and that's why we have to send you a new card '' I told them I did not call in and to pull up the recorded conversation it had NOTHING to do with the removal of an authorized user. They insisted that was the case without providing any evidence. I called in to remove an authorized user perhaps 1+ year ago NOT yesterday on XX/XX/year>. 

Them closing my card and sending out a new one created a mess for me with many people I had that use that card for my day to day life.
Product: Credit reporting or other personal consumer reports

I am filing a compiaint against Equifax for failing to properiy investigate my disputes regarding inaccuracies in my credit report.

Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting or other personal consumer reports

I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has 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.. XXXX XXXX ( Original Creditor : 08 XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX, XXXX XXXX, XXXX XXXX-XXXX, XXXX   XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report and found there is a bankruptcy reporting on my credit. I have never filed for bankruptcy and request that you have this removed from my credit report.
Product: Debt collection

On XX/XX/XXXX a letter was sent to XXXX XXXX asking for verification of debt, delivered and signed for on XX/XX/XXXX. A second letter requesting verification of debt was sent on XX/XX/XXXX delivered and signed for on XX/XX/XXXX. On XX/XX/XXXX a Summons [ VIOLATION : FDCPA Section 809 ( b ), FTC opinion letter Cass from XXXX ] was filed regarding this debt which should have been placed as disputed, I signed for this Summons the last week on XX/XX/XXXX. The verification of this debt had not been received by the date of signing and still to this day. 

In the Summons, COUNT I, 10. Statement : " That Defendant 's payments and/or failure to successfully question the state of the account within a reasonable amount of time constitutes an admission of correctness '' is a Violation of Fair Debt Collection Practices ACT. The failure of a consumer to dispute the validity of a debt may not be construed by any court as an admission of liability by the consumer.

Exhibits : **Not Identified Specifically as Exhibits** ( 1 ) Forward Flow Receivable Sale Agreement dated XX/XX/XXXX Closing Date : XX/XX/XXXX, does not state the agreement is specific to my alleged debt to the " Seller ''. The Bill of Sale only shows a TXT file number [ " XXXX '' ]. The aggregate Unpaid Balance of the Accounts as of the Cutoff Date ( XX/XX/XXXX ) is missing. 

( 2 ) Forward Flow Receivable Sale Agreement dated XX/XX/XXXX Closing Date : XX/XX/XXXX does not state the agreement is specific to my alleged debt to the " Seller ''. The Bill of Sale only shows a TXT file number [ " XXXX '' ]. The aggregate Unpaid Balance of the Accounts as of the Cutoff Date ( XX/XX/XXXX ) is missing.

( 3 ) The Affidavit attached appears to be signed by the Custodian of Records, for XXXX XXXX XXXX XXXX and notarized by another employee of the company on XX/XX/XXXX, is misleading. The notarial act [ " Subscribed and sworn to before me on XX/XX/XXXX of XXXX '' ] is missing several items of TRADITIONAL information, which is " required by law '' per the Handbook for Virginia Notaries Public. With this missing information the signature of the Custodian of Records and date on The Affidavit attached, is not verifiable evidence.

By filing this Summons, Weber & Olcese, P.L.C. has violated the Fair Debt Collection Practices Act, Fair Credit Reporting Act, along with the local State Laws as well as their Plaintiff XXXX XXXX has.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and removed from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

DateXXXX XXXX, XXXX CompanyXXXX, XXXX XXXX XXXX, XXXX AddressXXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX, DC XXXX Request Originator DateSep XXXX, XXXX CompanyXXXX, XXXX XXXX XXXX, XXXX AddressXXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX, DC XXXX Request Originator Has put hard inquiries on my credit report without my knowledge or approval. Tried to dispute it and they obviously provided some fraudulent paperwork to substantiate it. They have done this twice in the last two years
Product: Money transfer, virtual currency, or money service

I deposited {$300.00} on XX/XX/XXXX into XXXX XXXX for {$250.00} worth of Bitcoin and  {$50.00} worth of XXXX Cryptocurrency. Then on XX/XX/XXXX I tried to deposit {$300.00} more via bank deposit but was denied. My account recorded a negative balance of - {$290.00}. I then did a bank Transfer on XX/XX/XXXX for {$300.00}. My account still says - {$290.00} and they say I need {$300.00} more to be at XXXX balance.
Product: Credit card or prepaid card

Back in XXXX, my credit card was lost or stolen and several fraudulent transactions posted to my account. I contacted customer service to report the fraud charges for investigation. I was told that the credit card was being closed and a new one would be issued. After the investigation was completed, the fraud case was ruled in my favor and the transactions were reversed causing a credit to my account of {$2400.00} since I had made a significant payment to my account prior to the fraud. When I received the new card, I was able to activate it but it would not work when I tried to use it. I contacted customer service and was told that that card had been reported lost or stolen. I could not understand how a brand new card would be reported lost or stolen. I was told that another card would be sent out to me. When I got the other card, it was the same outcome. I was able to activate it but it would not work when I tried to use it. I called customer service and was given the same explanation that the card had been reported lost or stolen and that a new card would be sent out to me. After receiving the 3rd card, I activated it and had the same outcome. Please note that each card number was different. On XX/XX/22, I called customer service and requested an electronic refund of my credit in the amount of {$2400.00}, an issuance of my cash back rewards in the amount of {$120.00} and closure of the account. It seems that the account was closed before the refund of my credit and cash back rewards and I am being told that the account can not be found. At this point, I have been waiting several weeks for access to my own funds. The credit and cash back rewards are my own funds. The credit is due to a payment made and fraud charges being reversed, and the cash back rewards was monies I earned through purchases. My original credit card number upon opening the account was XXXX XXXX XXXX. I have attached for your reference the other two cards that I received that were successfully activated but did not work.
Product: Credit reporting or other personal consumer reports

I was XXXX affected by XXXX XXXX XXXX  and was caused to have several late payments i was not able to find another steady job ever since. I just started a pretty consistent job in XXXX XXXX  and gave not been late ever since I submitted multiple disputes explaining that XXXX XXXX XXXX XXXX effected my employment as a truck driver working in the XXXX XXXX ports
Product: Credit reporting or other personal consumer reports

I have rights to ensure that your private information is not shared without my consent. The Fair Credit Reporting Act and other laws protect my privacy and require consumer reporting agencies like XXXX and XXXX to exercise fairness, impartiality, and respect for my privacy. These agencies need my written instructions to furnish my information to financial institutions. However, I have not given my consent for them to share my information, and they have not informed me of my right to exercise my nondisclosure option. Additionally, they are reporting adverse information about my account without your permission, which is against the law. The agencies are also required to maintain reasonable procedures to avoid violations and limit the furnishing of consumer reports. I have the right to opt out of their reporting at XXXX  time.
Product: Debt collection

-- Debt collector XXXX collections, tax id XXXX ( XXXX XXXX ) amount due XXXX $ date invoice XX/XX/XXXX note : blood work done when i did have a medical insurance and the insurance was billed already for preventive test, already payed actions : Debt was send to XXXX XXXX XXXX XXXX date XX/XX/XXXX from creditor : XXXX XXXX XXXX XXXX XXXX : will send a negative credit report to the credit report agency
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$470.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$1000.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$530.00} ; XXXX XXXX Balance : {$260.00} ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX.