23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My father passed away and left me his home with a XXXX XXXX mortgage. I fell behind on the mortgage due to me losing income and not being able to sustain on Social Security Income alone. I then lost more income as the pandemic went across the United States. I called my servicer, Shellpoint, and requested the forbearance plan under the CARES act. I spoke to representative XXXX XXXX who informed my that they would not let me enter into a forbearance plan due to my account not being current. I advised that I had read the CARES act and it says it is available to everyone with a federally backed mortgage regardless of delinquency. They still will not let me get on the plan and pause foreclosure action. Also, during the forbearance I am able to make payments thereby reducing my debt.
Product: Credit reporting or other personal consumer reports

Today I looked at a copy of my credit report and noticed several inaccuracies on my account. 
This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy here is the item I am asking you to verify as accurate : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX
Product: Debt collection

I sent the letter from the CFPB site and have not received a response.
Product: Vehicle loan or lease

I remember I came to the dealership with my family, looking for a specific car, this was my first time doing this. I had {$1000.00} in my pocket from my work check and they hide the car in the lot because I seen it and they said they sold it. I was promise better cars and they manipulated me and waged my money, making me give it to him. Making it seem like the {$1000.00} was the only way, and opportunity for me to drive. I was was so disappointed. The car a month was {$710.00} I was crushed.
Product: Credit reporting or other personal consumer reports

I reviewed a copy of my credit report and found a account I have no know of XXXX XXXX XXXX XXXX XXXX Amount XXXX  This account is located on my credit report attached to a name that is not mine This is a fraudulent account please delete this account immediately
Product: Bank account or service

PNC Bank is continually causing issues with my bank accounts. I had to close an account because they kept switching transactions around to cause my account to become overdrawn. I was told to watch my accounts closely so that I am not the XXXX causing overdrafts. Recently, before leaving home, my accounts ( Reserve and Spend ) XXXX had positive funds. I went out for the evening, realized that I needed to transfer funds from XXXX to spend to cover my activities of the evening. I made the transfer and again checked both accounts. XXXX accounts had a positive balance. When I woke up, XXXX accounts were overdrawn!!! This was confusing and angered me. Because of the bank messing up my account, I had a small check come through that they returned for NSF and then charged me an OD fee. It has been a down hill battle since Thursday XXXX XXXX. I have sent them XXXX complaints and all I am being told is they are looking into it. NOW they have XXXX of my accounts in the negative and when looking at the transactions, they have them completely in an order that will only benefit them to keep returning things and charging me OD fees. With online banking, they constantly change the order transactions occur so from hour to hour or day to day, the account never looks the same. They tell us to keep track and watch our accounts but that does n't help when THEY manipulate your account to benefit them!!
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting my 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 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. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit card

Credit card company only provides 20-day grace period for credit card payment due date ( calculated from statement closing date XXXX, instead of the 21-days required under federal law ( from statement mailing date ). Also, statements are mailed out late, since they take over 7 days from the statement closing date for me to receive, and USPS first class mail only takes 2-3 days. The 21-day federal minimum is supposed to apply from the date the statement is actually MAILED, which is why most credit card companies have a 25+ day grace period. Even if they mailed out my statement ending XXXX XXXX 2015, on that SAME DAY, I still have 21 days to pay by federal law ( not 20 days ). My XXXX XXXX payment was made on the 21st day after the statement CLOSING date, but was still considered 1 day late, and interest charges for the entire previous month were assessed! Their due date practice of 20-days after statement closing date is illegal and deceptive.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or XXXX XXXX XXXX  to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

o XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX o XXXX XXXX XXXX XXXX XXXX CA XXXX o XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX o XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX o XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX o XXXX  XXXX XXXX Balance : {$0.00} o XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX o XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX o XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX o XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Debt collection

CCS Collections reported {$160.00} collection account from XXXX on credit reports XX/XX/. No communication, verbal, written or otherwise. This is deceitful practice by agency. It is either not a debt owed or past XXXX and does not want to acknowledge. 

Disputed with credit bureaus.
Product: Credit reporting, credit repair services, 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 accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX Balance : {$14000.00} XXXX  XXXX Balance : {$440.00} XXXX XXXX XXXX XXXX XXXX Balance : {$280.00} XXXX XXXXXXXX XXXX Balance : {$350.00}.
Product: Credit reporting or other personal consumer reports

Subject : Demand for Removal of Inaccurate Inquiries To Whom It May Concern : I am writing to dispute and demand the immediate removal of several unauthorized inquiries that are inaccurately listed on my credit reports with the XXXX major credit reporting agencies ( XXXX, XXXX, and TransUnion ). 

The specific inaccurate inquiries that must be removed from my credit file are : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX I have reviewed my credit reports thoroughly and did not authorize or initiate any applications that would have resulted in these listed inquiries. Including inaccurate inquiries violates the Fair Credit Reporting Act ( FCRA ) as it misleadingly makes it appear that I have applied for credit from these entities when I have not. 

The FCRA mandates that consumer reporting agencies follow proper procedures to ensure maximum possible accuracy of credit report information. Reporting unauthorized inquiries constitutes inaccurate information under the law. 

I am formally demanding that each of the XXXX XXXX credit bureaus immediately conduct a reasonable reinvestigation to verify whether I authorized the inquiries listed above. If your reinvestigation can not confirm that I applied for credit with these companies, then you are legally required to promptly and permanently delete these inaccurate inquiries from my credit file. 

If these unauthorized inquiries are not removed from my credit report within 30 days, I will have no choice but to pursue further legal action against your agency for willful non-compliance with the Fair Credit Reporting Act. 

I am entitled to a written notice once your reinvestigation is complete, confirming which items were modified or deleted from my file. Please provide this confirmation once the inaccurate inquiries have been permanently removed. 

Thank you for your cooperation in promptly correcting my credit report pursuant to your obligations under federal law.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXXXXXX Account # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Vehicle loan or lease

I leased a new XXXX XXXX vehicle though my local dealership using Ford Motor Credit. I returned the vehicle on XX/XX/XXXX. 
On XX/XX/XXXX and XX/XX/XXXX, I received letters from a XXXX  XXXX XXXX in XXXX Michigan by a XXXX XXXX. The letter just stated that it was related the collection of a debt and to call a XXXX. I called XXXX and asked what this was about. She explained it was related to a debt owed to Ford Motor Credit and that since they could not collect it was turned over to them. 
I explained I didn't know of any debt and that she could send me any paperwork related to it so I could see what it's about. 
I did not receive any information from XXXX at that time about the debt. 
I wrote a letter to XXXX XXXX XXXX to ask for supporting information of the debt with no response. 
A called Ford Motor Credit in XXXX and spoke to XXXX XXXX on XX/XX/XXXX at XXXX and inquired about the money owed and any details. They told me they had no record of this loan. 
I then followed up with a letter to Ford Motor Credit Customer Service Department at XXXX XXXX  XXXX in XXXX, NE XXXX relating my call to XXXX XXXX requesting information about the loan. 
Despite calling, writing to both XXXX XXXX XXXX and Ford Motor Credit no information was provided for me to evaluate the validity of the debt. 

My credit was then affected by a charged off notice. This lowered my credit by more than 150 points. As a business owner in XXXX XXXX where I depend on financing to manage my business - this led to borrowers not willing to refinance a number of properties - costing me significant impacts. In addition, my personal credit is used by my employer to be able to purchase online advertising for my clients. We routinely charge XXXX or more to be able to collect a small percentage as fees. This too was impacted limiting my ability to gain a living. 
While I am no attorney, it seems that the practice of not providing adequate information to be able to evaluate a debt due is in violation of the Fair Debt Collections Practices Act ( specifically validation of debts under notice of debts 809/a/4 whereby " the debt collector will obtain verification of the debt ... and a copy of such judgement will be mailed to the consumer by the debt collector ''. 

It was only on XX/XX/XXXX that Ford Motor Credit provided the requested information ( letter from Mr. XXXX ) when I filed a dispute with the credit bureau. 

By then the impact to my credit has been done - and continues to happen.
Product: Checking or savings account

Carvana submitted {$190.00} on XX/XX/2023. I did not purchase a car from them or authorize any amount to be taken from my account. I did not provide them with a debit card information.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX open date XX/XX/XXXX, Account # XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXXXXXX, Account # XXXX XXXX XXXX XXXX, Account # XXXX open date XX/XX/XXXX, Account # XXXX XXXX, Account # XXXX XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Debt collection

Diversified Consultants Inc XXXX Fl XXXX XXXX call me almost daily asking when I am going to pay the amount ( over {$1000.00} ) I owe to XXXX, a phone Co. I do not owe any money to that company or any other company. I tell them that but they do not believe me. I ask them to send me something in writing that shows I owe money, but they do not. They have the wrong person but will not give up. Could you please put a stop to this.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX is violating 15 USC 1666b. This company is inaccurately reporting late payments on my consumer report on the following dates ; XXXX XXXX XXXX
Product: Payday loan, title loan, personal loan, or advance loan

This is my second complaint on this company, and also my final. My previous complaint stated how I was taken control of without being knowledgeable of the event at hand but Preferred Credit chose to overlook my issue and instead " verify the debt. '' I NEVER once stated the debt did not belong to me, CLEARLY!

Because this is the route Preferred Credit chose to go, I will be reporting them to the SEC, along with sending a CIVIL COVER SHEET for collecting MULTIPLE tender of payment on a PAID BOND using my signature.

As stated in the previous letter, Preferred Credit has " security interest '' in my product. Please provide me with proof of the security interest in the rainbow cleaning system along wit the FACT the contract was NOT paid in full and you were able to collect tender of payment from me. Last but not least, I am requesting as stated in the " PREPAYMENT '' section of the letter that anything that was due to me, was given to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts has violated my federally protected consumer rights to privacy and confidentiality un 15 U.S.C. 1681 List of accounts : XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to 15 U.S. code 1681d. ( b ) ( b ) DISCLOSURE ON REQUEST OF NATURE AND SCOPE OF INVESTIGATION Any person who procures or causes to be prepared an investigative consumer report on any consumer shall, upon written request made by the consumer within a reasonable period of time after the receipt by him of the disclosure required by subsection ( a ) ( 1 ), make a complete and accurate disclosure of the nature and scope of the investigation requested. This disclosure shall be made in a writing mailed, or otherwise delivered, to the consumer not later than five days after the date on which the request for such disclosure was received from the consumer or such report was first requested, whichever is the later.

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.

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

In accordance with the Fair Credit Reporting Act XXXX these accounts below Account Name : XXXX XXXXXXXX XXXX Account # XXXX Account Name : XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX  Account # XXXX Account Name : XXXX Account # XXXX Account Name : XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX  XXXX XXXX XXXX XXXX  Account # XXXX Account Name : XXXX XXXX XXXX Original XXXX XXXX ) Account # XXXX Account Name : XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX ) Account # XXXX Account XXXX XXXX XXXX XXXX XXXX  Account # XXXX Account Name : XXXX XXXX XXXX  Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

I am disputing an account that appears on my credit report under the name of XXXX XXXX XXXX, which I believe was opened fraudulently without my authorization. Here are the relevant details : Account Opened : XX/XX/XXXX Account Balance : {$XXXX} High Credit : {$XXXX} Status : Derogatory, transferred to collections Date Last Active : XX/XX/XXXX Date of Last Payment : XX/XX/XXXX I became aware of this account when reviewing my credit report on XX/XX/XXXX. I have no knowledge of this auto loan or any interactions with XXXX XXXX XXXX. The account includes comments stating it has been transferred to recovery and assigned to an attorney, collection agency, or credit grantors internal collection department. 

Actions I Have Taken XXXX. Notified Credit Bureaus : I filed disputes with XXXX, XXXX, and Equifax on XX/XX/XXXX, requesting verification of this account and its removal from my credit file, as it does not belong to me. 
XXXX. Filed Government Complaints : I filed complaints with the Federal Trade Commission ( FTC ) and the Consumer Financial Protection Bureau ( CFPB ) on XX/XX/XXXX, describing the fraudulent nature of this account and its impact on my credit. Case numbers are available upon request. 
XXXX. Requested Information from XXXX XXXX XXXX : On XX/XX/XXXX, I formally requested verification and documentation of the account from XXXX XXXX XXXX. 

Impact This fraudulent account has negatively affected my credit score and financial standing. I have no record of signing or agreeing to this loan, and I have taken all steps within my ability to dispute this fraudulent activity. I respectfully request XXXX XXXX XXXX to promptly investigate this matter and provide any necessary documentation to resolve this issue. 

Thank you for your attention to this matter.
Product: Debt collection

On XXXX/XXXX/XXXX I mailed Americollect a certified letter for debt validation and XXXX validation They sent me a print out with no date of birth, no last XXXX or any other identity makers, other than my name and address. 

They alleged bill states " XXXX of abdomen '', first, I 've never had an " XXXX of abdomen '' and I know this because the only body part " XXXX '' is done on is the XXXX, to check for blood flow and regurgitation back into the chambers. 

The bill is fraudulent and so are the charges, I will be reporting Americollect and XXXX XXXX XXXX the BBB And XXXX for fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Company reported my loan Moneylion Credit Builder Plus loan XXXX, when 30 days delinquent when i have made payments on time and informed immediately about Covid-19 impact. Moneylion is practicing predatory lending practices ... i trusted them to use their credit builder loan to help me it is destroying my credit at a crucial time. I have made payments on time. Money Lion is causing irreparable harm to my XXXX  credit report by falsely and fraudulently reporting my loan as 30 days delinquent..When i have making payments on time! I have sent screenshots that show my loan is current. They are destroying my progress. I trusted Moneylion.
Product: Credit card or prepaid card

This complaint is a follow-up to complaint number XXXX. 

Bank of America has not resolved our issue of fraudulent charges on our bill and has yet to respond to this complaint. 

We have sent them over 15 pages of documentation and Bank of America unilaterally decided to issue a credit of {$1000.00} ( instead of the full fraudulent charge of {$2100.00} ). 

However the total fraudulent charge was {$2100.00} as we were overbilled for 3 days of the service contracted for which is well documented. 

We should have only paid for 4 days of stay. 

Please help us resolve this matter of fraudulent billing, as we have always been happy with Bank of America, but we feel this issue has not been addressed by the appropriate management at Bank of America.
Product: Student loan

I pay {$2600.00} per month on student loans. They just doubled my payment to {$5300.00} in error. There is a 4 hour wait for a return call and I have done this 3 times. Their email does not work. The online chat disconnects me each time. 

This treatment is illegal. Please assist.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are several things wrong, but I was a victim of identity theft in 2017 and several accounts were opened in my name. One account in particular XXXX XXXX through the original creditor of XXXX XXXXXXXX is listed twice on my credit report. Once with the original and once with the debt buyer. I did not open this account first and foremost, but you can not legally show the same debt on my credit report twice with different open dates. The identity theft occurred in 2017 but the debt buyer listed a totally different open date years later.