23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

XXXX has attempted to collect the debt of eviction which we do not owe or was discharged in our Bankruptcy. 
Recently, We have received a letter dated XX/XX/XXXX from California, Department of Fair Employment and Housing stated in the paragraph number 2 : '' The owner 's representative indicated that you were denied tenancy ... On XX/XX/XXXX, XXXX informed the property manager that he was denying your applications due to an eviction. " ( please see attachment, Closure Determination and Request for Additional Information. RE : XXXX v. XXXX and XXXX ). 
In contrast, we recently requested the credit report from Trans Union and the credit report showed that we have very good credit and no eviction record. 
On or about XX/XX/XXXX, we contacted XXXX about the inaccurate information from the letter dated XX/XX/XXXX from California, Department of Fair Employment and Housing in which they disputed in the housing discrimination complaint and I was told that they checked our credit reports from Trans-Union Credit Report on XX/XX/XXXX and the credit report showed the inaccurate information that we have bad credit and eviction record ( according to the words of XXXX ). 
The XXXX also told me that they could not show us the report because the report from Trans Union showed differently between landlords ' and tenants '. The Trans Union only showed the inaccurate information to landlords ' requests. the XXXX also told me that they were informed the eviction record from the XXXX. 
On or about XX/XX/XXXX and XX/XX/XXXX, I contact XXXX regarding the inaccurate information in the letter dated XX/XX/XXXX from California, Department of Fair Employment and Housing, XXXX, manager told me that the XXXX reported the incorrect information of eviction for our family to Trans Union, XXXX, and other Credit Report Bureaus. Also, The XXXX demanded that we have to pay the debt of eviction which we do not owe or was discharged in bankruptcy, if not they will continuously report us to Credit Report Bureaus and XXXX until we pay. 
The XXXX and XXXX also demanded us to pay the debt we do not owe or was discharged in bankruptcy for the XXXX because both of them told us that they are friends and because we filed housing discrimination charges to HUD against both of them XXXX and XXXX. 
The Trans Union reports inaccurate information of eviction which we do not owe or was discharge in bankruptcy. 
We filed bankruptcy chapter XXXX in XXXX and got discharged all debts.
Product: Debt collection

Compass Recovery Group called every member of my family, after they were previously asked to not contact anyone but me. From XXXX XXXX XXXX XXXX, Compass contacted both of my siblings and both of my parents. They proceeded to call my employer. They then called me on my work phone and a female manager threatened to garnish my wages and pursue legal action against me. This all happened because I was struggling financially after a car accident and could not afford the biweekly payments for a few weeks. They called me every single day, multiple times a day on multiple different phone numbers, harassing me since mid XXXX.
Product: Checking or savings account

My account was hacked all of my information was removed and the money from my account was stolen. I called to report the issue and report the stolen money and I was denied a my refund and denied the information to who it was sent to and how it was authorized, they have hung up on me and refused to reopen the claim. I have screenshots of my account being changed as well
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 accounts below : XXXX XXXX XXXXXXXX Balance : {$16000.00}, XXXX LXXXX XXXX XXXXXXXX Balance : {$120000.00}
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transaction with authorized, I was charged a fees due to lagged posting of charges and credits. this is your aligns with the recent CFBP findings against Navy Federal credit union for similar practices, where transactions settled with insufficient balances despite initial available funds. I believe these practices are unfair and I request an investigation into my account transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to TransUnion was XX/XX/2021, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following inquiries listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX Date of inquiry XX/XX/2021 XXXX XXXX Date of inquiry XX/XX/2021
Product: Money transfer, virtual currency, or money service

On XX/XX/year> I registered within XXXX XXXX Bank access to Zelle. I successfully used Zelle to transfer {$620.00} to a family member. No problems at either end of the transaction. The next day my Zelle account was inactivated. 

I have called and spoken to agents within XXXX XXXX Bank multiple times including agents in their Fraud Department. They confirmed that there was no report of any fraudulent activity and blame Zelle for the inactivation.

I have called, written, and spoken with Zelle representatives ( very difficult to get access to speak to anyone from Zelle ) and Zelle won't or can't explain why the account was inactivated. Zelle blames XXXX XXXX. 

XXXX XXXX claims it can't remove restrictions to Zelle access. They claim that the " token '' is invalid. I learned from XXXX XXXX that their use of the term " token '' just means my phone number or email address. XXXX XXXX claims it is Zelle that must act to remove restrictions on my " token. '' Zelle claims it is XXXX XXXX that has restricted access to Zelle. Zelle claims XXXX XXXX can remove restrictions. 

I suspect it is Zelle not XXXX XXXX that has inactivated my access to Zelle because I am not able to register to use Zelle on another bank account I have with XXXX Bank.
Product: Checking or savings account

Account Holder Name : XXXX XXXX Address of Account Holder : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Citbank Account No. XXXX On XX/XX/XXXX I opened up a Citibank Personal Checking Account under my name, XXXX XXXX. This was for a promotional offer where I was to get {$700.00} bonus if I place at least {$50000.00} in the account for 90 days. I placed {$51000.00} on XX/XX/XXXX into my Citibank Account no. XXXX. I check my bank account online weekly. When I went to check online on XX/XX/XXXX the citibank online website said that my account was BLOCKED. I called the Citibank customer support team several times and they said that they could not give me any information and that I will be receiving in 30-60 days a letter with an explanation. I then went to the XXXX XXXX Citibank and spoke with XXXX XXXX, an account representative. He told me the same thing. Meanwhile I do not know what is going on and where my money is. 
Please email me at XXXX. Thank you very much for your help with this. My phone number is XXXX. 

XXXX XXXX
Product: Debt collection

Company attempts to collect debt that I am not aware of. I mailed a debt validation letter and previous company sold the debt to another collection agency without my consent of my personal information being sold from one agency to the next!
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2020 FIRST ATTEMPT/LETTER SENT : XXXX placed INACCURATE and INCOMPLETE information on my EXPERIAN credit report as open in my legal name. XXXX XXXX XXXX   placed INACCURATE and INCOMPLETE information on my EXPERIAN credit report as open in my legal name. XXXX placed INACCURATE and INCOMPLETE information on my EXPERIAN credit report as open in my legal name. EXPERIAN claims an investigation was done and received a signed contract from with my signature on it. This is not true and still false information remains on my credit report. XX/XX/2020 XXXX ATTEMPT/LETTER SENT and I called to dispute these accounts and Experian refused to file my dispute and advised I contact CFPB. XX/XX/2020 XXXX REQUEST to see Verifiable Proof ( an original My Consumer Contract with my Signature on it ) placed on file of the accounts listed before. EXPERIAN failed to positively verify these accounts and has hurt my ability to obtain credit. XX/XX/2020 FINAL LETTER/PENDING LITIGATION According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), CRA 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I switched bank accounts from XXXX  XXXX XXXX to a local community bank. When it came time to switch my payment information for those bills I pay online, I did so accordingly. However, when I tried to make my monthly student loan payment to University Accounting Services, my payment failed and/or was cancelled ( you'll see on my supporting document in the screenshot that shows my multiple attempts ). I was not made aware of this failed payment until logging into the account several days later. I first tried to call UAS at the beginning of XXXX to solve this issue. After more than 6 weeks of phone calls to employees and supervisors, as well as and email correspondence ( which started XX/XX/XXXX - please note : we received our first debt collector call on XX/XX/XXXX ) with a customer service representative, my issue is/has still not been resolved and I have had to process payments via mail for the time being. UAS continued to waive my late fees every time I called, but has taken no responsibility for the late payment ( s ) that is their fault. Through my own independent research, I found that that probable issue was UAS was not able to accept the new routing table of my new bank account - even though I was/am having no issues with other online payments such as XXXX XXXX and XXXX. After various phone calls with supervisors and their IT department, they stated they 'fixed ' the issue but my payments were repeatedly denied. Again, I was never made aware of my initial late payment due to their ( UAS ' ) failure to process my payment. Both mine and my father 's credit score were severely impacted due to this egregious error. On XX/XX/XXXX, I received an email saying the IT issue had been rectified and to address my dispute directly with the credit bureaus. I filed disputes around XX/XX/XXXX with all 3 credit bureaus and it fixed my alleged late XXXX payment, but not my XXXX - which is clearly an error. I am in the process of refinancing my mortgage and purchasing a new car and now have the lowest credit score I've ever had in my life. Not to mention, it has impacted my father who remains a co-signer even though I've been making on-time payments for 7 years. UAS has also failed to supply him with the documentation to take him off the account and our email correspondence with our loan agent has gone dark and unanswered. It is my understanding that XXXX  made the credit inquiry to UAS in the first place. It seems that UAS would have the means to report past due accounts, as in this case, so they would also have the means to report other information to the credit companies, such as this IT issue. 

**Attached you will find email correspondence with Loan Servicing Agent, XXXX XXXX of UAS, as well as the payment portal that shows my attempted payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

Specifically with only Equifax, my birthdate is displayed as XX/XX/XXXX, when my birthday is in fact XX/XX/XXXX. 

I have used every single possible browser on XXXX and XXXX to try to file a dispute, and the web application defaults to not allowing me to file a dispute online, a complete negligence of web development and XXXX. 

I have also mailed in a physical dispute by mail on XX/XX/XXXX and so far I have received no response.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello -I received information regarding this account from XXXX XXXX Saturday XXXX The response from the company stated they wanted me to send in information in regards to this account. The account is listed on my Experian and XXXX reports. It is inaccurate. 
In accordance with the Fair crefit reporting act 15 USC 1681 I ( a ) ( 1 ) ( A ) can you reinvestigate the completeness and accuracy of the listed account below.. 
XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX Three DEBT COLLECTION ATTEMPTS XXXX XXXX CREDITCARD. see EQUIFAX attatched. XX/XX/XXXX XXXX {$6.00}, XXXX limit balance {$0.00}. XX/XX/XXXX last reported. Date Closed IS BLANK STILL LEFT OPEN WITHOUT MY CONSENT OR KNOWLEDGE. ( 3 ) Three calls to collect today XX/XX/XXXX came from XXXX  XXXX HARRASSERS XXXX XXXX XXXX XXXX. XXXX  XXXX COLLECTION ATTEMPTS TO COLLECT DEBT NOT OWED. XXXX AT XXXX XXXX confirmed my social not even in her system. WHY WASN'T THIS CLOSED YEARS AGO? WHY IS XXXX XXXX REPORTING INCORRECT INFORMATION TO EQUIFAX? WHY ISN'T EQUIFAX RESOLVING?
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

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 XXXX years. 
15 U.S.C. 1681-2 ( 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 card or prepaid card

I purchased a new computer from the Apple Store using the Apple Card by Goldman Sachs expecting to receive the heavily advertised 0 % financing offer. Instead the charge immediately began accruing interest. 

I contacted Apple Card support and they told me I could either return the computer ( which was needed ) and repurchase the item or have a manager fix it. I asked for the latter and received no response for several weeks. At that point I called again and was given the same options. Once again I selected the latter and once again received no response. 

I called a third time and when offered the two options decided to try option 1. After waiting on hold for over 30 minutes I was told that option was no longer possible due to the time that had passed. Back to option 2. This was 2 weeks ago and I have yet to receive a response.

I normally pay my bill in full every month and was assured that the interest charges would be reversed. I have now been charged in excess of {$100.00} in interest and have lost hope the issue will ever be resolved.

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

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I was a victim of identity theft and this is another request to block or remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts not later than 4 business days after the XX/XX/2022 Ive already included this report in my previous letter & I am including it again. Also, the information you provided on the account is UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 

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

Subject : Demand for Deletion of Late Payments on Credit Report Dear Sir/Madam, I recently reviewed my credit report from XXXX and have identified discrepancies pertaining to late payments reported on my account. I would like to bring to your attention the accounts in question, along with their respective account numbers : 1. [ XXXX XXXX XXXX ] - Account Number : XXXX 2. [ XXXX ] - Account Number : XXXX After a closer examination of the Fair Credit Reporting Act ( FCRA ) and 15 USC 1681b, it is evident that there has been a violation of my consumer rights. The law explicitly states : GENERAL : According to subsection ( c ), any consumer reporting agency may furnish a consumer report under certain circumstances and no other : In accordance with the written instructions of the consumer to whom it relates. I must inquire whether I provided written instructions for the inclusion of these late payments in my report. If not, it is essential to rectify this issue promptly. Additionally, according to the FCRA, 15 USC 1681 ( 2 ) ( a ) ( i ) regarding exclusions from a consumer report specifies : Exclusions. - Except as provided in paragraph ( 3 ), the term consumer report does not include, subject to section 1681s-3 of this title, any report containing information solely as to transactions or experiences between the consumer and the person making the report. Because of this, I kindly request the removal of the aforementioned late payments from my consumer report as they may be in violation of 15 USC 1681. I look forward to your prompt attention to this matter and a timely manner. Thank you for your assistance in ensuring the accuracy and compliance of my credit report with applicable consumer protection laws.
Product: Bank account or service

XXXX 2014 my mother requested US BANK, XXXX XXXX XXXX XXXX California for an address change on her CD/Moneymarket/checking account due to her move to Texas. Still after a year and still not receiving statments and After numerous calls by her, then by me, the POA, after a certified letter, after another call to the Branch Manager, XXXX XXXX, then to XXXX, an account manager in Colorado, then to a XXXX XXXX XXXX, District Manager and now waiting for a return call from the Regional President, XXXX XXXX as I type this complaint. I also am disappointed in the Consumer Financial Protection Bureau for their lack of assistance or resolve. Plus, the consultant I spoke with read her que cards too quickly!!
Product: Credit reporting or other personal consumer reports

15 usc 1681 section 604 states rights to consumers privacy reporting agencies can not furnish an account without my written consent. This account needs to be removed immediately.
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. 


Account Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or list of inquiries 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: Debt collection

Portfolio Recovery Associates wish to sue me in court for unpaid debt for which I do intend to pay. The court due date is XX/XX/XXXX. However I can't come to court due to the fact that I can't risk leaving my elderly mother alone in the house. She's suffering from XXXX XXXX XXXX XXXX, so it wouldn't be wise to leave her alone. My other complaint is that Portfolio Recovery Associates is charging me twice as much as what I actually owed to the original creditor. I actually owe {$300.00} but they're charging me {$690.00}. I only make {$600.00} a month from my pension so it's going to be a tight squeeze on my budget. I was wondering if it was legal for them to charge twice as much?