23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am disputing some late payments that have been furnished on my consumer report by XXXX XXXX with the account number # XXXX. I have tried to address this issue directly with XXXX XXXX and they replied back that the information was accurate. I requested PROOF that they have adopted reasonable procedures to ensure that each periodic statement was mailed or delivered to me 21 days prior to my payment due date. This law does not state email or electronic mail. Also include proof of all the information required by sec 1637 ( b ) of title 15 USC, and the negative information disclosure. 

Any financial institution that regularly furnishes information to a nationwide consumer reporting agency must provide a notice to a consumer in writing prior to or no later than 30 days after furnishing negative information to such an agency. The Negative Information Notice is a requirement of Section 623 ( a ) ( 7 ) of the Fair Credit Reporting Act. This rule requires financial institutions to provide consumers with a notice that negative information may be provided to a consumer reporting agency. I am demanding PROOF where XXXX XXXX sent me a notice prior to or no later than 30 days of furnishing negative items on my consumer reports. This is a clear violation of the FCRA. 

I have requested proof and allowed them 30days to show me proof, therefore this account is unverifiable and I request the deletion of this account from my consumer report. 

Please see the attached file with the dates of the late payments
Product: Credit reporting, credit repair services, or other personal consumer reports

I dont have knowledge of several accounts and being denied the removal as requested
Product: Debt collection

Transworld systems started calling me a few months ago. They never sent me any break down for the bill, so i asked them to cease and desist and not to contact me anymore. They continued to call me, and i ignored it at first. They were calling me incessantly. They have been calling recently for the last two weeks, and then they called me again last night. i told them they are in direct violation of my rights as i have already requested that they cease and desist. The guy mumbled into the phone, and then hung up on me. It made me super uncomfortable getting a weird call like that when im at home alone at night. Especially because this company is trying to use fake local numbers to get people to answer. This morning, they used the SAME spoofed local number to contact me AGAIN, right after i had just told them last night to cease and desist! I told the woman that last night i had requested again that they cease and desist, and i informed her that not only are they contacting me after i told them to cease and desist, but that they also contacted me at night which is SO inappropriate. I also informed her that this is now multiple times of me telling them to cease and desist. She tried to interrupt me while i was telling her how many times ive asked to cease and desist, but i repeated myself three more times, so that she heard very clearly that i was asking them to cease and desist. She hung up after that. I dont know whats going on with debt collectors these days, but the amount of rights that they violate because they are hiring untrained people who dont know basic FDCPA rules, are resulting in them violating my very basic rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

I saw WF/FMG on my credit report. I called and was told that the account was closed and the message on the report states " refused to pay ''. I told them I do not remember opening this account. The agent said it is closed and even if I wanted to pay, they could not accept payment. He stated that some Wisconsin statue said it was past the limitations to collect. He said the statue will not let them collect after six years. The account was supposedly open in XXXX. I said it is only five years and its not mind. I disputed the account and was told I could not pay if I wanted to and it would stay on my report until XX/XX/XXXX. I am in the process of purchasing a home and this has been a total nightmare. I am a 100 % XXXX veteran and could not believe the treatment I received. I asked for something in writing and was told they could not furnish me with any documents.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to get a loan that shows it has been charged off on my XXXX  credit report removed. The loan is in good standing and I was told by the loan agency to dispute it on my credit report and it would be removed. I went through the credit agency and they denied my dispute, but my husband disputed the same loan and it was removed from his credit reports. They will not remove it from mine.
Product: Mortgage

Before my retirement, I worked with a group that met whenever a customer had a severe problem with XXXX of our products. 
When the group met, the priority was not to help the customer with the problem, whatever it was. 
The foremost priority was, how do we cover our rear end? 
When I filed the original letter of complaint, a representative from Bank of America called me. 
It was apparent from the questions asked that solving the problem was not a consideration. 
The number XXXX priority was, how do we cover our backside? 
It was not a surprise when I received the answer. On the contrary, it was classic ; we ( Bank of America ) are covering our backside. 
I was highly familiar with the process. 
I feel Bank of America violated regulations of the governments loan postponement ( forbearance ) program. 
I received a letter dated XX/XX/2022, from Bank of America that I was entered into a payment postponement ( forbearance ) plan. 
From the letter : This means there is no requirement to make any billed and unpaid contractual payments at this time, through XX/XX/2022. 
I received another letter dated XX/XX/2022, from Bank of America that I was entered into a payment postponement ( forbearance ) plan. 
From the letter : This means there is no requirement to make any billed and unpaid contractual payments at this time through XX/XX/2022. 
Both letters stated that prior to the end of your postponement period, we will reach out to you to work on any repayment options based on your circumstances. 
There is no requirement to make any billed and unpaid contractual payments at this time through XX/XX/2022. 
I understand that the payment ( forbearance ) plan was a government program that helped many people, including me. 
I met the requirements for the plan and was approved. 
There was not any requirement for me to make any payments. 
I feel that it was a violation of the program governing regulations. 
That during the period when there was no requirement for me to make any payments, Bank of America transferred my home loan to a debt collector. 
There were not any payments due. 
At this time, in other words, I did not owe anything. 
The loan postponement ( forbearance ) program was designed to keep people in their homes. 
Instead of helping to keep people in their homes Bank of America decided, at this time, despite the fact I owed absolutely nothing, to send the loan to a debt collector. 
XXXX XXXX XXXX : XXXX Phone Number : XXXX
Product: Checking or savings account

I opened a checking account with HSBC on XX/XX/XXXX using a link that was supposed to trigger a bonus offer of 3 % cash back on qualifying deposits for the first 6 months ( a maximum of {$700.00} ). The bonus offer required account opening by XX/XX/XXXX. I submitted my application on XX/XX/XXXX and received a confirmation of my application on that day. But I received confirmation of account opening on XX/XX/XXXX. As I was concerned that I would not be enrolled for the bonus, I confirmed with an HSBC agent that I would be enrolled and I was told that I would be. Relying on that conversation, I proceeded to use the account and make deposits according to the terms. However, since then I have not received any of the cash back. It has been much longer than the 8 weeks the bonus terms say to wait for deposit. A chat agent on XX/XX/XXXX confirmed that I had made the required deposits and said they would put in a complaint about the bonus I had not received. I also called and used the HSBC secure message feature to inquire. I was eventually told that my account was not enrolled in the bonus confirmation, despite my initial confirmation. I believe I am entitled to the maximum {$700.00} bonus, but I have received {$0.00}. The bonus code is XXXX. Please let me know if I can provide any additional information.
Product: Credit card or prepaid card

XXXX service call my cell phone misleading saying their where a financial bank offering lower rates already approve, run my credit report without my consent, found out cause XXXX send me a report about my already account. They offer 0 % for the remaining of my open account if I paid on time. Got credit card info and what they said is not true- is a introduction 1 year only and after it goes to whatever % credit card is offering and finally they charge {$990.00} for a balance transfer of {$2500.00} from XXXX XXXX XXXX Call to asking all the above and the supervisor answer with nasty words. When I said what their doing is fraud, and reporting to consumer report agency. Card that approve city simplicity the balance transfer said is happening more and more nothing they can do. I said you should requested XXXX with the person openning account?
Product: Debt collection

during Covid from last year, the gym membership was closed as a state law mandated the members were not obligated to make payment .XXXX XXXX charged me even the gym was closed and sent me to collection .They also have a duplicate collection under my name, the one does not belong to me .I am requesting the credit bureaus to verify the inaccuracies and delete them.
Product: Debt collection

XXXX XXXX XX/XX/year> XXXXXXXX XXXX XXXX XXXX XXXX XXXX Lockhart , Morris & Mont Subject : Request for Removal of Collection Account Dear Lockhart, Morris & Mont, I am writing to formally request the removal of the collection account listed under my name. Below are the details of the account in question : Account Number : [ XXXX ] Amount Owed : [ {$530.00} ] I believe the account has been reported inaccurately or that there has been an error. 

I kindly ask that you review the information associated with this account and remove it from my credit report. Please send me written confirmation that this account has been removed and updated with the credit bureaus. 
Remove immediately Per FRCA section 605B Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX
Product: Student loan

I was misled while enrolled at the University XXXX XXXX to think after obtaining a degree that they would help with job placement. I remember a guy named XXXX XXXX being my enrollment advisor, but work in my field never came. I've taken odd jobs to try and pay off the debt, but it never seems to go away. I've tried applying to jobs without listing XXXX   as a college I've attended and gotten interviews. I've been told my job recruiters that they don't see a degree from XXXX as being valid. I was told while enrolled my 4 year degree was going to cost about XXXX. I later on found out that after interest it's about XXXX owed. I was tricked into signing a promissory note with my advisors at the XXXX. I was told that financial aid was accepted and because I had credits from XXXX XXXX that they'd do the legwork for me in having those classes transferred over. It wasn't until later that I found out that was a lie and regardless if I quit or continued classes I'd still owe XXXX in full. Young and afraid with not much help from anyone to guide me I believed my advisor at XXXX. Not until recently I've researched the XXXX and read alot about other student 's dissatisfaction while enrolled and possible lawsuits. I'm just looking to have my loan discharged because they failed to land me a job after finishing my course and they failed to educate me at XXXX years of age on what a promissory note was.
Product: Debt collection

The collections allegations for XXXX XXXX are identity theft and defamation of my character. I want the full collection of XXXX removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I contacting CFPB because XXXX XXXX  XXXX has me listed as being late 30 days back in 2017 and that is not accurate. I have never been late with them. I reached out multiple times to have it resolved but it's still on my report. This is causing major issues as i'm trying to purchase a home. Thank you for your help!
Product: Debt collection

Company provided credit card information to a stranger. I don't authorize the XXXX law firm to access my private information
Product: Debt collection

On XX/XX/22 I noticed that a collection account was furnished to XXXX, XXXX and XXXX without my consent or knowledge. L J ROSS ASSOCIATES reported an account # XXXX with a balance of {$2500.00}. I have no agreement or contractual obligation and have no idea who this company is. My privacy has been violated and my reputation has been negatively affected due to the misconduct of this corporation. 

Please Review attachment
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed an account with professional finance back in XXXXXXXX XXXX XXXX, I did not receive a response so I sent equifax a dispute in XXXX XXXX the account was removed and the REINSERTED as an unverifiable account on my report. Ive included my credit report from XXXX showing when it was listed under XXXX XXXX  and then my XXXX report showing that it was reinserted. I did not receive any notification from equifax or professional finance. This is unethical and violates my FCRA rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

sent multiple letters asking for verification of this account and never received any documents which supports this negative reporting on my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : XXXX XXXX XXXX XX/XX/XXXX -XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX -XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX -XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX -XXXX XXXX XX/XX/XXXX -XXXXXXXX XXXX  XX/XX/XXXX -XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX -XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX -US SM BUS ADMIN ODA XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX -XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX -XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX NEGATIVE ACCOUNTS : -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Consumer reporting agencies furnishing inaccuracies on my consumer file. On XX/XX/XXXX I sent a letter to XXXX XXXX asking if they furnished or was asked to furnish an alleged bankruptcy on my consumer report by the big 3 consumer reporting agencies? ( XXXX, XXXX, and Experian ) I Received a letter dated XX/XX/XXXX from XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX stating that they are not associated with any consumer reporting agencies. What is included or expunged is from a consumer report is determined by the credit reporting agencies. Since XXXX XXXX did not get this information from the court, I need to see a copy of the documentation you have in my consumer file as to where they did receive this information. Federal Privacy Act of XXXX - XXXX U.S. Code section 552a. This law applies to the access to, and disclosure of, records of individuals held by federal executive and regulatory agencies. It requires such agencies, with some exemptions, to limit disclosure, provide access to the individual, and to apply basic Fair Information Practice Principles to such records containing the personal information of individual U.S. citizens and legal alien residents.

According to 15 USC 1681 ( a ) ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. XXXX and Experian are reporting date filed on XX/XX/XXXX, while XXXX is reporting the date filed as XX/XX/XXXX. 

Thus, making my consumer file inaccurate. 

The second inaccuracy in my consumer file would be the fact that the reference numbers do not match. XXXX reports the reference number as XXXX, Experian reports XXXX, and XXXX reports XXXX. Another inaccuracy. The closing dates and the courts are also inaccurate. My rights protected under the FDCPA and FCRA have been violated. I never gave any person permission to furnish any information on my consumer report and my privacy as a consumer has been infringed upon as well.
Product: Mortgage

I was appointed me XXXX and XXXX of my incapacitated cousin effective XX/XX/XXXX. She is the sole heir to her deceased sister who has a {$42000.00} loan with Truist secured by their home. I mailed and personally delivered the court documents to BB & T and Suntrust ( now consolidated and acting as Truist ), and also to Truist. Since XXXX, Truist has ignored the court documents and refused to acknowledge me as the guardian and conservator for my incapacitated cousin. I have continued to pay the monthly fixed mortgage payment and Truist accepted the payments until XX/XX/XXXX when they began returning the mailed payments to me and online payments to the bank. They are now claiming no payments has been made since XX/XX/XXXX and is auctioning the house on XX/XX/XXXX. In response to a letter dated XX/XX/XXXX to the deceased cousin stating To bring your loan to a current status please remit {$8000.00}, I mailed Truist a check for {$8000.00}, certified court documents showing the incapacitated sister as the sole heir of the deceased sister and appointing me as guardian and conservator of the incapacitated sister. I also included a copy of the XX/XX/XXXX letter from Truist. In response, in a letter dated XX/XX/XXXX, Truist returned the {$8000.00} check and stated This check is being returned due to no valid loan. The letter from Truist included the wrong loan number and property address. As I have done since XXXX, I sought an explanation for the check being returned, but Truist refuses to confer with me or my attorney. I believe this is a tactic to steal my cousins home, which is completely paid for, except for the {$42000.00} owed Truist. I timely paid the loan since becoming guardian/conservator for my cousin. I am and have always been willing and able to pay what is legally owed to bring loan to current status and stop the auction, but Truist refuses to allow me to do so and to discuss the loan with me
Product: Checking or savings account

I had someone either use my card or something and charge multiple charges to it. I disputed this with Chase and they denied it saying the charges were valid. 
I did not make these charges. They were charged in the XXXX are and I was on a cruise of of XXXX  at the time. I also am from XXXX  so I was never in XXXX XXXX 
When I called Chase about the claim being denied they told me to reach out to the merchants directly. 
I have tried calling and can not get ahold of anyone. 
Charges : - {$140.00} at XXXX XXXX  on XX/XX/year> - says it was charged in person zip code XXXX - {$160.00} at XXXX XXXX XXXX and XXXX XXXX on XX/XX/year> says charged online, mail or phone zip code XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX  on XX/XX/year> says charged in person at a parking meter in XXXX XXXX zip code XXXX - XXXX ( another one ) XXXX XXXX XXXX XXXX XXXX on XX/XX/year> says charged in person at a parking meter in XXXX XXXX zip code XXXX - {$350.00} XXXX XXXX XXXX  on XX/XX/year> says charged in person zip code XXXX I submitted this to chase and originally they had refunded but then came back and said that the charges were valid and recharged me for them. 
then when i called they said to reach out to the merchants and i haven't been able to get anyone. 
also I was on a cruise from XXXX XXXX so not in in XXXX and then on the XXXX went back home to texas so again not in XXXX when the charges were made.
Product: Mortgage

We recently closed a refinance loan with Bank of America. When I received the HUD-1 settlement statement, it did n't match the GFE for the origination charges. As the HUD-1 specifically states that these charges can not change, so I notified BofA. After nearly a week, someone finally responded to me, but nobody has been willing to provide a resolution to this point.
Product: Credit reporting or other personal consumer reports

In Accordance with the Fair Reporting Act. The list below has violated my federally protected consumers rights to privacy and confidentiality under 15 USC 1681. FCRA 605B ( 15 U.S.C. 1681c-2 ) FCRA 605 ( b ) Block 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 XXXX XXXX XXXX XXXX __________________________________________________________ XXXX XXXX XXXX  - Inquiry date XX/XX/year> XXXX XXXX - Inquiry date XX/XX/year> XXXX XXXX XXXX Inquiry date XX/XX/year> XXXX XXXX Inquiry : XXXX XXXXXXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXXXXXX Inquiry : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX 15 U.S.C 1681 Section 602 A. State I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states 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 in accurate.

15 USC 1681EB 15 USC 1681B 15 USC 1681 C-2 15 USC 1692g 15 USC 1681IS-2 15 USC 1681i 15 USC 1681b 15 USC 1681i 15 USC 1681b - 15 USC 1681IS-2 15 USC 1692g 15 USC 1681 C-2 15 USC 1681 BA2 15 U.S. CODE 1681e- 15 USC 1681 ( 2 ) ( a ) ( i ) Delete the above late payments from my consumer reports, this agency is in violation 15 USC 1681.