23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, 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  Account XXXX XXXX : XXXX XXXX XXXX : XXXX XXXX XXXX : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX Have 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 1681c. ( a ) ( 5 ) Section 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 which antedates the report by more than seven years.

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

When I investigated my credit report, I realized that some of the information was 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 items below : XXXX XXXX XXXX ; XXXX  XXXX XXXX ; XXXX XXXX  XXXX ; XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ; XXXX XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ;
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I sent them a disputes for all unknown and inaccurate accounts its over 30 Days now but I haven't receive any response. I was a victim of XXXX Data breach and I want that all those account will be remove ASAP on my credit report or I will file a litigation.
Product: Credit reporting or other personal consumer reports

INQUIRES Creditor Name Date of XXXX Credit Bureau XXXX XXXX XXXX XX/XX/XXXX Experian XXXX OF XXXX XX/XX/XXXX XXXX XXXX BANK XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX BANK XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Experian
Product: Credit card

Recently, Citi bank closed my credit card abruptly and without advantage notify me and I do anything wrong that violate the term of Citi bank. I found out that my credit card account were closed after transaction was declined at store and forfeit all my rewards with amount of XXXX .As Citi visa Costco reward, we can only redeem reward point once a year. I did try to write to Citi card, but in response letter, my earned reward during the year will be forfeit as result of their closing. I do not think these actions is correct ( closing my credit card + forfeit my EARNED reward ). Could you please help or advise me what and / or where I can do or go to get my EARNED reward for redemption. Please help
Product: Debt collection

credit card FRSTHRZNBK XXXX XX/XX/2015 {$4900.00} credit card FRSTHRZNBK XXXX XX/XX/2015 {$4900.00}
Product: Credit reporting or other personal consumer reports

FCRA 605B necessitates the elimination of any erroneous accounts from my credit report. Can you review the documents? Certain listed accounts exhibit inaccuracies concerning reporting, amounts, and dates.
Product: Money transfer, virtual currency, or money service

None of my accounts are working for only me. Currently being tormented.
Product: Debt collection

Our household received a letter at our family address from Transworld Systems, a debt collection agency, attempting to collect a debt owed to XXXX XXXX by " XXXX XXXX XXXX. '' NO ONE in the household is named " XXXX XXXX XXXX. '' We DO NOT owe money to XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

HI MY NAME IS XXXX! - i'm confused the way you're reporting this chargeoff account from bank of america with different dates of last payment, active, open, and inconsistent with account number and open date. also how can you have such inconsistencies with the payment history if you're getting the same information from the furnisher which is bank of america. Again, i'm update! Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher. 
What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.
Product: Checking or savings account

On XX/XX/2018 and XX/XX/2018 I had 5 fraudulent transactions on my debit card with BANK OF AMERICA. There were 4 purchases at a XXXX 's for a total of {$1000.00} and 1 transaction for XXXX made by ATM withdrawal. I was just getting off work around XXXX XXXX XXXX XXXX time on XX/XX/XXXX and noticed these charges. I immediately called BANK OF AMERICA and informed them, cancelled my card and had a new one sent. I attempted to file a claim but at this time claims department was closed for the weekend. As soon as I had time on Monday I filed my claim. A representative with Bank of America assured me I would get the money credited to my account however within the next couple of weeks I was told my claim was denied because 1. No draining of my account. 2 No balance inquiries were made. However 5 transaction of more than {$1300.00} I would consider an attempt to drain my account. They told me send in a letter it took me some time as I work 6 days a week 10 hrs a day and could not find the time. I am seeking full reimbursement and bank of America is denying me payment. My next step will be filing a lawsuit.
Product: Student loan

I really have 2 problems with the way Navient has handled my account. First, I received a SMART Loan Consolidation on XX/XX/XXXX of which I have been regularly paying to Sallie Mae and then Navient. I have been a XXXX XXXX XXXX since XX/XX/XXXX and learned of the Public Service Loan Forgiveness ( PSLF ) program. I applied for PSLF on XX/XX/XXXX. I subsequently received correspondence from Navient that I do not have the type of loans to qualify for PSLF. The Navient representative advised me to consolidate my loans to " under the right type of loans and make 120 more payments to qualify ''! Prior to applying for PSLF, I applied for XXXX  Loan Forgiveness and was also denied. After receiving the denial for the PSLF, I decided to apply again for the XXXX  Loan Forgiveness program on XX/XX/XXXX with the required documentation and Navient sent me yet another letter stating again that I was not eligible for XXXX Loan Forgiveness as I " did not meet the criteria ''. I contacted the Federal Department of Education and spoke with a representative who stated that I did in fact qualify for XXXX  Loan Forgiveness. To this date, my loans have not been forgiven or cancelled. In addition to this, I have asked Navient repeatedly why there is such a variance as to how much is paid toward principal from month to month. Payments are not consistently applied. Please see attached payment history from Navient. The response I received was that " it depends on what day of the month I made the payment ''. I do not believe any of my payments were applied correctly. Finally, it is interesting to note that I have been contacted by Navient in both email and postal mail form asking me to apply for a Navi Refi. Well, it's very enticing in that the NaviRefi would substantially lower my interest rate ; however, I would lose Federal benefits such as XXXX   Loan Forgiveness and Public Service Loan Forgiveness. I did apply for a NaviRefi and found eligible for 3.70 % interest rate compared to my current 7.625 % interest rate. However, I did not sign the paperwork because I did not want to give up the federal benefits and I still think my loan should be cancelled anyway through either XXXX  Loan Forgiveness or Public Service Loan Forgiveness. My sense is that Navient is determined to not cancel student loans for any reason.
Product: Credit reporting, credit repair services, or other personal consumer reports

Citizen Bank Home Mortgage approved my forbearance due to COVID-19, and in XX/XX/2021, Citizen bank approved deferment option. At the same time, they reported to credit bureau of been OVER 180 days late. I tried to contact Citizen Bank several time and the customer service rep kept lying to me about the situation.I requested to talk to supervisor, but they'll not let me talk to the supervisor. I requested a call back but no one ever called me back.
Product: Debt collection

The company continues to call me and harass me, uses strong voice and threatens to sue me. I have informed them that I am filing bankruptcy ( over a month ago ), given them my attorney 's information, now they call us both. He said my bankruptcy isn't going to stop his calls or stop the lawsuit. This is for a payroll company debt. I've blocked the number and they continue to try and reach me
Product: Credit reporting or other personal consumer reports

I am a concerned consumer after looking at my credit report. I am a very private individual and do not allow certain information to be reported about me for personal reasons. You are reporting very private information and were never given permission to do so.
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. 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. 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 consumers safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft, my information was compromised and somehow fraudulent unauthorized inquires and accounts were included on my credit report. as a result after legal counsel I contacted this company both by phone and a formal letter, providing all the necessary documentation that they needed to make informed decision on this matter and remove these fraudulent accounts and inquiries. But to my surprise they decided to ignore me and are still reporting the same fraudulent account till date. Below are the fraudulent accounts and inquiries in question : FRAUDULENT INQUIRIES XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX FRAUDULENT ACCOUNTS XXXX  Account Number : XXXX XXXX  XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX Account Number XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

i have contacted the 3 credit bureaus numerous times about the accounts that need to be deleted are showing on my consumer report and every time they refuse they are breaking laws and damaging my reputation without my consent. -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 1681 c. ( a ) ( 5 ) Section 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 which antedates the report by more than seven years. -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. the accounts i am talking about are listed below : Delete all accounts immediately : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I have sent prior request from the credit bureaus on the charge off account status on some accounts XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX on my credit report, namely after several attempts, they did not delete the accounts nor gave me an explanation as to why they wont delete it..I have been denied credit because of this erroneous information.. All I ask is that you delete this information from my credit report right away
Product: Consumer Loan

The BMO Harris Bank auto loan department, loan approve person part of this fraud with my name and credit not following proper procedures application to review at the time I did not know the when I file the complain to attorney general state of Illinois. I discover this when I requested that XXXX XXXX, BMO Harris Bank mortgage loan originator, to send me an original copy of the good faith contract that my wife and I had signed but I have not received that yet. Instead, XXXX XXXX sent me the copy of the original auto loan paper work which was postmarked XX/XX/2012. It is from these auto loan documents that I learned about the fraud that was committed. In the Applicant 's Credit Statement section of the auto loan documents, they list my name, date of birth, social security number, and home phone number with XXXX XXXX XXXX 's home address, place of employment, salary, and business phone number. This was done without my knowledge and permission and is clearly fraudulent. The rest of the documents list my name with XXXX XXXX XXXX 's home address. I was also unaware that the car financing was switched from XXXX to BMO Harris Bank as most of the addresses for XXXX are changed out and BMO Harris Bank 's address is listed instead. 
Harris Bank auto Loan # XXXX In end my only complain about Harris Bank not following proper procedure for loan. I never work as developer and make over {$58000.00} that the lie.
Product: Debt collection

XXXX XXXX XXXX has been harassing me when asked to show proof they sent me a copy of a loan application. My current loan are with XXXX XXXX not these people who can't provide any form of payments missed nothing at all. They claim I owe XXXX dollar but that all I get nothing more I have to contacted them many times and told them show me proof or stopped harassing me.
Product: Mortgage

This company has illegally obtained my mortgage. They had never received permission via court or my personal. This violates my mortgage agreement. They have also obtained my personal and Social Security numbers without my permission which is considered identity theft. Which means the company has committed a felony which violates their mortgage licenses. 
Besides this factor they have the wrong mortgage amount which is almost {$15000.00} more than my current amount. They have the wrong number of years left on my mortgage. They also have the wrong escrow amount. The wrong interest rate. Everything they have for information is wrong I have attempted to contact the company and they have refused to respond that. They keep attempting to have me sign a contract which I have refused because I am not associated with them and will not be.
Product: Vehicle loan or lease

I was going through a hard time in 2016 I moved back in with my mother I called the car loan place and had them come and pick up vehicle due no job. Four years later I never received a summons to go court they placed a garnishment on me and now they are taking money out of my check every time I get paid. The balance on credit report in more than the balance I see on my check XXXX on credit report on paystub it say still owing XXXX.
Product: Prepaid card

I went to use my Amex gift card on doordash. Ive gotten the card as a XXXX gift and havent used it at all. Today is the first day I would be spending the money but all of a sudden it doesnt work. I went on the website to see if the card to activated and it told me it was. But when I kept trying to use it, it would not work what so ever
Product: Vehicle loan or lease

On XX/XX/2020, my car was repossessed by XXXX XXXX XXXX in XXXX Florida. I immediately contacted my auto financing company, XXXX XXXX XXXX, to figure out why. They advised me that my car loan had been canceled and the dealership I purchased my car from had purchased my vehicle on XX/XX/2020. I never received a letter or any notification about the cancellation of my loan, the sale of my car, or that there was a repossession in place. This has left me unable to perform my duties at work in the middle of a pandemic. I am a plumber and need transportation so that I can feed my family. The automobile dealership wants me to find another lender to get back my car. I am unable to come up with a down payment on short notice. I need some assistance and resolution in this matter.
Product: Credit card or prepaid card

I have been a client of BB & T/Truist for many years. The recent Truist merger has truly made client service unbearable. I am in process of switching banks and want to redeem the rewards accrued on both my credit card and my wife 's. I simply want to transfer the rewards cash accrued to our checking account. The challenge is BB & T/Truist will only transfer in {$25.00} increments ; therefore, if I close the credit card accounts today, I would end-up leaving about {$6.00} on one card and {$17.00} on the other, in accrued benefits that could never be redeemed. It's not a huge deal, but if you combined all the clients having to leave rewards unredeemed - it's a lot of money! The response given by the client representative was that their system could only transfer in {$25.00} increments- but I bet if their system shorted the Bank {$23.00} it would be fixed rather quickly... I have escalated this with the Bank, but feel it will be ignored. I am also considering talking with an attorney about a class action suit. Thank you, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a formal written request to all 3 credit bureaus ( XXXX, XXXX  and Equifax ) on/around XX/XX/2020 and a second written request was sent via certified mail on XX/XX/2020 seeking the deletion of erroneous and inaccurate information contained in my credit file. 
In my letter sent and received by XXXX, XXXX  and Equifax on XX/XX/2020, I requested a reasonable reinvestigation as defined by 15 U.S.C. 1681 ( 1 ). In particular 1681 ( i ) ( a ) ( 1 ) ( a ) requires that the credit bureau respond within 30 days beginning on the date on which they received my notice of dispute. I requested that the bureaus please contact the respective furnishers and provide them with the relevant information contained in my letter, as required by 1681i ( 2 ), so that they may also perform a reasonable investigation. However, it has been more than 5 months from my first written request and more than 3 months since my second written request and I still have not received any responses.
Product: Credit reporting or other personal consumer reports

EQUIFAX, TRANSUNION AND EXPERIAN HAVE COMPLETELY VIOLATED MY RIGHTS. ALL THREE OF THESE AGENCIES HAVE FURNISHED INNACURATE, FRAUDULENT AND OUTDATED INFORMATION THAT IS MORE THAN 10 YEARS OLD ON MY CONSUMER REPORT. I AM A VICITM OF IDENTITY THEFT SINCE MY INFORMATION HAS BEEN APART OF THE EQUIFAX DATA BREACH WHICH A LAWYER RECENTLY BROUGHT TO MY ATTENTION. I HAVE PROOF INCLUDING BREACH ENGAGEMENT NUMBER ATTACHED TO THIS COMPLAINT. EQUIFAX, EXPERIAN AND TRANSUNION HAVE FAILED TO ACCURATELY LOOK INTO MY DISPUTES, AS I HAVE NEVER RECEIVED ANY RESOLUTION TO ANY OF MY CLAIMS INSTEAD HAVE BEEN IGNORED. ALL THREE OF THESE AGENCIES ARE IN VIOLATION OF MULTIPLE FCRA LAWS BUT SPECIFICALLY IN VIOLATION OF FCRA 1681i ( a ) ( 1 ) AND SECTION 1681c OF THE FCRA. THIS HAS BEEN CAUSING ME A REAL BIG FINANCIAL BURDEN AND XXXX. I AM REQUESTING THIS MATTER IS IMMEDIATELY HANDLED FOR THE SAKE OF MY HEALTH AND SANITY. I DO NOT BELIEVE THIS IS FAIR TO ME.
Product: Mortgage

during the hurricane in texas i was having problems paying on my five year line of credit. chase offered to modify my line of credit and changed it 12 months after hurricane XXXX promising to place the missing payment on the back end of the loan but instead without my permission what i was given was a 30 year note for XXXX dollars per month to pay back a 5 year XXXX dollar line of credit. i never agreed to that and i did complain to chase bank. so i am to pay back over XXXX dollars for a line of credit where ishould have funds in it all of this happened while they were helping texan during hurricane XXXX. i accquired this loan in 2005 so i got 16 years of payment without my signature or permission and i have 20 years left man can a dude get some help from chase jp morgan
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  account # XXXX ( XXXX XXXX XXXX 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 cunsumer reporting agency can not furnish an account without my written instructions.

! 5 USC 1666B : A creditor may not treat a payment on a Auto Loan account under an open end consumer credit plan as late for purpose.