23daVinci/CFPB_Complaints huggingface dataset:
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.

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 XXXX  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 informationisinaccurate.
Product: Mortgage

My mortgage servicing company changed in the beginning of XXXX i was not notified until after the XXXX and that entire time i could not schedule payments. Once i was able to schedule payments i could not use the normal account we use and had to use a business account. that payment went through but was showing up in shellpoint as returned. i contacted them with no response then filed complaint. I should have an additional payment schedule for this week and now i am again locked out of my account and cant see payments made cant schedule new payments. i have been with this new company for less than a month and for half of that time i could not schedule payments view payments. i also could not use our personal bank account and had to use a business account. now i again cant access anything. This has put me at further risk of being foreclosed on and it is unfair considering my account has been unavailable to me for much of the last 30 days
Product: Checking or savings account

There is a credit for {$140.00} that US Bank acknowledges but refuses to give me credit for-it is even in their responses XX/XX/XXXX to CFPB.
Product: Credit reporting, credit repair services, or other personal consumer reports

Over the last 1.5 years I have sent multiple certified letters to XXXX, Equifax, and XXXX requesting that they validate the inaccurate derogatory accounts on my account. However, every time the credit bureaus responded the accounts were validated, but the information listed on my credit report is inaccurate. This has caused me a great deal of stress and money. 

According to the Fair Credit Reporting Act ( FCRA ), If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation.
Product: Credit reporting or other personal consumer reports

Hi! I got a report from XXXX XXXX that my Mohela account is impacting my score. It appears that I have an unpaid amount, however my account is still transitioning. I've tried to log-in to pay that amount, however I keep getting the same landing page that is " your loan is transitioning! '' I am capable of paying the amount owed, however given no mode to do so. As such, it is impacting my credit score which impacts literally everything, from my ability to rent to background checks for work. I now will have to dispute this with XXXX, XXXX, XXXX and that could take years to remove from my report.
Product: Credit card

Attention Consumer Financial I am XXXX XXXX XXXX I am writing to gain some assistance regarding the issue below that pertains to issue with my Bank of America Credit I have been a Ban of America credit client for over 17 years. Throughout that course of time, I maintained a healthy and respectful account as a client ( NEVER MIND LATE WITH PAYMENTS, ALWAYS PAY AHEAD OF TIME, PAY OFF ENORMOUS BALANCE ) I am the ideal consumer/client Recently, Bank of America decided to lower the credit limit from XXXX $ to XXXX, i have strived to connect with their service for this issue, but they have been unwilling & more so dissmissive They lower my credit limit due to the following Not using the account Enormous balance ( I have XXXX loans, and I have dual XXXX XXXX ) A recent delinquency ( 12 Weeks ago, some vendor charged my XXXX XXXXXXXX account without my awareness, and XXXX XXXXXXXX did not notify me about such charges, I did not receive a statement highlighting such balance. I found this delinquency through my credit report ). XXXX XXXX corrected the issue, removed the charges, and reported this issue to credit bureaus as NOT Delinquent. 

Moving forward, Bank of America failed to communicate with consumer to express their concerns regarding my inactive usage of this card. Other credit card companies do so. Bank of America has no respect or value for consumer. They operate on a malicious basis and they deviate financial consumer protocols regarding card sevice/consumer relationship I explained to them I paid XXXX $ on this account in 2022 and I wanted to use the card only for emergency purposes moving forward. They failed to take that into account and decide to use that as reasoning to lower credit limit. My credit will show I have student loans as an outstanding balance along 100 % on-time payment with credit card and my car loans. I apologize, I had to take multiple loans to fund my two XXXX XXXX XXXX XXXX XXXX XXXX  and XXXX XXXX Through good times, bad times, and terrible times, I have maintained a healthy and wholesome account with BOA, and I have NEVER been LATE with payments or defaulted on my account. During covid when consumers faced a financial crisis and in that time i became a victim of identity theft/ I was still able to maintain a healthy account with BOA , made my payments on time Bank of America failed to listen to my concerns to restore my previous credit limit. They are dismissive, unable to get in touch with, return consumers ' calls with intricacy to ascertain their voice messages, and provide inept return call contact. 
I believe this Banking service needs to be investigated for inferior and unethical services they are housing and condoning on a regular basis. I would an investigation into this matter with a resolution. 

Here is some consumer feedback regarding bank of America XXXX XXXX XXXX XXXX XXXX XXXX https : XXXX Ps- I have attached the police report showing i been identity theft Sincerely XXXX XXXX XXXX
Product: Debt collection

On XX/XX/year> received in the mail notice I needed to pay an installment on loan that I did not take from lender Aqua Finance , Inc. XXXX XXXX. XXXX WI XXXX
Product: Credit reporting or other personal consumer reports

my credit has been impacted drastically with these hard increase I have or old accounts that were paid enclosed and makes no sense that I have 15 open accounts. Also also back when I had XXXX XXXX, they added a piata rent to track. When you pay rent and it dropped my score XXXX points I didnt know who to contact in my credit score still suffers please help remove anything. That is a negative inquiry immediately.
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 CFBP lasuit 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 CFBP '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 unnacceptable and raises serious concerns about consumer safety. 

Thanks.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns about Zelles handling of disputes, especially in light of the recent CFPB lawsuit that highlights significant shortcomings in the platform. Despite frequent use of Zelle and my attempts to report discrepancies, both my financial institution and Zelle failed to adequately investigate my claims. I was informed that recovering lost funds was not possible and that tracking these transactions was unfeasible. The CFPBs findings further reveal that Zelle has not only failed to protect its users but has also allowed repeat offenders to exploit the system, leaving consumers vulnerable to fraud.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX  Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of XXXX XX/XX/XXXXXXXX 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, AXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXXXXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention a violation of my rights under the Fair Credit Reporting Act ( FCRA ) by XXXX Account # XXXX. In accordance with the FCRA, specifically 15 U.S.C. 1681, I believe my rights have been infringed upon as follows : Right to Privacy : As per 15 U.S.C. 1681a, I am entitled to privacy regarding my credit information. However, I have reason to believe that XXXX Account # XXXX has mishandled my personal information in violation of this provision. Despite my expectation of privacy, my credit information has been improperly handled or disclosed. Failure to Obtain Written Instructions : According to 15 U.S.C. 1681b, Section 604, a consumer reporting agency such as XXXX Account # XXXX is prohibited from furnishing credit information without my written instructions. It has come to my attention that XXXX has reported information about my account without obtaining such instructions from me, thereby violating this section of the FCRA. I am deeply concerned about these violations and the potential impact they may have on my financial standing and reputation. I request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate action against XXXX Account # XXXX to ensure compliance with the FCRA XXXX Enclosed with this letter, please find copies of relevant documentation supporting my claim, including credit reports, correspondence with XXXX Account # XXXX, and any other pertinent information. I appreciate your attention to this matter and look forward to a prompt resolution. Should you require any further information or clarification, please do not hesitate to contact me at the above-listed contact information.
Product: Credit reporting, credit repair services, or other personal consumer reports

The accounts listed below is reporting inaccurately on my credit report and it is in violation of The Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. After further investigation, the accounts is not mines and is reporting inaccurately. Account : XXXX XXXX XXXX XXXX # XXXX XXXX # XXXX DISCOVER STUDENT LOANS # XXXX DISCOVER STUDENT LOANS # XXXX DISCOVER STUDENT LOANS # XXXX DISCOVER STUDENT LOANS # XXXX DISCOVER STUDENT LOANS # XXXX
Product: Student loan

Aidvantage says I started repayment in XXXX. 

This is not correct for my direct loans. Here 's one example of the XXXX I have. 

NEXT PAYMENT DUE DATE XX/XX/XXXX Lower my payment LAST PAYMENT MADE ON XX/XX/XXXX ENTERED REPAYMENT XX/XX/XXXX REPAYMENT PLAN Income-Based Repayment Plan ( IBR ) Explore different repayment options IDR ANNIVERSARY DATE XX/XX/XXXX Aidvantage has said they are reviewing this information and sending it for appeal. I understand they were fed the erroneous information by the XXXX XXXX XXXX. What I seek is full credit for my payment history.
Product: Credit card

I am disputing the collection account with UPGRADE INC account number XXXX dated XX/XX/year>, with a balance of {$490.00}. This account is unverified and does not belong to me. Despite my efforts to resolve this issue by contacting both the collections agency and the original creditor, I have not received any satisfactory resolution. I request an immediate investigation into this account and demand that JUPGRADE INC provide verifiable proof of ownership and validity of this debt. I expect a swift response and the removal of this erroneous information from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). I had my identity stolen and this account must come from that.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of 2019 my mortgage jumped {$750.00} without explanation or notification from PennyMac. I was told some estimated taxes were recalculated and my homeowners insurance increased. They recalculated my taxes over the phone and the monthly payment dropped by {$440.00}. I was told to wait to pay my payment until I called XXXX ( homeowners insurance ) to see why my monthly premium increased. I contacted XXXX and the issue was resolved. PennyMac told me it would take 7 business days before PennyMac and XXXX communicated and the issue would be resolved. This took us in to XXXX and I still had not heard from PennyMac, so I called them. They initiated a 3-way call between XXXX, PennyMac, and me. Everyone communicated and the issues were solved. At the end of the call I paid the corrected amount for XXXX. 

Fast forward a couple weeks and I get a notification that my credit score dropped significantly because PennyMac reported me late on my XXXX mortgage payment.

A subsequent phone call started the process of correcting the error. The following day I received a call from PennyMac stating they made an error and they would be refunding the late fee I was charged for XXXX. The call was cut short but I did not get an answer about the incorrect reporting to the various credit bureaus. When I called back I was told if they were to go back and report that they incorrectly reported me late, it would be a big deal, and negatively impact their company. 

I need help correcting this error, because PennyMac refuses to fix it, and I'm just one person against a multi-millions dollar company.
Product: Debt collection

My school sent my account to a collection agency reliant capital and they have the wrong information about my due balance. Now I have cleared my balance and paid all my dept to my school and they still refuse to release it and asking me for paying XXXX $ collection fees which is almost half of what I owed to my school. 

Notice that I have no agreement with my school nor any agency to pay any collection fees as the dept is already paid and cleared out.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX both list my XXXX XXXX student loans as consolidated into XXXX account, negatively affecting my credit report with both agencies.
Product: Mortgage

I was strung out for over 6 months attempting to refinance my home. They had me wait to make payments on my mortgage- but month after month, they could n't do it. I incurred late fees, which they said they would refund, as well as a {$500.00} appraisal that was never needed as they were never going to be able to close the loan anyhow. They gave me false hope and treated me poorly as a consumer to such a important matter. I wrote to them telling them what I 'm asking for and they turned me down. Poor business pratices
Product: Debt collection

I am writing to file a formal complaint against Aargon Collection Agency, a third-party debt collector, regarding their handling of a debt validation request and their reporting of this debt on my credit report. 

On XX/XX/2023, I initiated a dispute with Aargon Collection Agency by requesting specific documentation to validate the debt they are attempting to collect. In my dispute letter, I specifically requested the following documents : 1. Copy of the Contract : I requested this document to understand the terms of the alleged debt.

2. Copy of the Purchase Agreement : I requested this document to verify Aargon Collection Agency 's ownership of the debt.

3. Last statement with a zero balance : I requested this statement to confirm the balance at the time the alleged debt was incurred. And, all statements leading up to the alleged debt amount : I requested these statements to understand how the charges were calculated, leading to the amount claimed by Aargon Collection Agency, which is {$720.00}. 

Despite my request for validation, I received a response from Aargon Collection Agency dated XX/XX/2023, where the only documentation provided was a statement of fees. This statement did not sufficiently validate the debt, and my concerns remained unaddressed. 

In an effort to obtain accurate and complete validation of the debt, I sent another dispute to Aargon Collection Agency on XX/XX/2023. However, the response I received, dated XX/XX/2023, was identical to their previous response, consisting solely of a statement of fees. This repeated failure to provide the necessary documentation for debt validation raises significant concerns about the accuracy and validity of the debt they are attempting to collect. 

Furthermore, Aargon Collection Agency has reported this debt on my credit report without adequately validating it, which is a violation of my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). As a result, this inaccurate and unverified debt is adversely affecting my creditworthiness.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts were opened without my knowledge : XXXX  XXXX   XXXX {$1100.00} Collections XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX XXXX XXXX   XXXX {$1700.00} Charged Off XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX XXXX XXXX XXXX {$1000.00} Charged Off XXXX XXXX XXXX XXXX XXXX, IA XXXX All three accounts are listed on Experian, and XXXX XXXX is listed on all three credit reports, Experian, XXXX, and XXXX. I have no contractual agreement with any of these three companies. They are trying to get me to prove that I didn't create this fraudulent debt, rather than assist me with removing these accounts from my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted XXXX multiple times over the past 6 months disputing inaccurate addresses being reported on my credit report. 
The address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX is inaccurate reporting. This address is not associated with any accounts on my credit report. 
This address is showing as my current address while my correct address XXXX XXXX XXXX XXXX XXXX, CA XXXX is showing as a former address. 

Also the following inquiries have no permissible reason or permission from me to access my credit report. All inquries on my credit report with XXXX besides the non permissible inquiries listed below are credit card inquiries while these are financial institutions that solict for FINANCIAL SERVICES which I have not given permission to access my credit report. 

XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Dispute and Request for Removal of Negative Charge Off and Inquiries Dear XXXX Consumer Relations, I hope this letter finds you well. I am writing to express my deep concern regarding the XXXX bank negative charge off and inquiries that are currently listed on my credit report with XXXX. I have made several attempts to resolve this matter through your customer service department, but unfortunately, I have been blocked from all communication channels. According to the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any inaccurate or incomplete information in my credit report. I would like to bring to your attention that the negative charge off and inquiries listed on my credit report are not accurate and are causing significant harm to my creditworthiness. I kindly request that XXXX investigate and verify the accuracy of the negative charge off and inquiries that are currently affecting my credit report. As per the XXXX XXXX laws, it is crucial that accurate information is reported on credit files. If the information can not be verified, I request that XXXX promptly remove these negative items from my credit report. Furthermore, I would like to address the issue of being blocked from all communication channels. As a consumer, I have the right to information and open communication with credit bureaus. Blocking me from all communication channels is not only a violation of my rights but also hinders my ability to resolve this matter in a fair and timely manner.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX submitting yet another CFPB complaint to address the Credit reporting Agencies inability to verify the information being reportd on my Credit Report as well their inability to report accurate information on my Credit File. I previously sent a letter addressed to the Credit Bureaus dated XXXX XXXX, requesing that the Credit Bureaus take their time to VERIFY THE INFORMATION THEY REPORT ON MY CREDIT FILE. I believe I am victim of Identity theft and the items I am disputing were the results of such crime. I Started disputing my Credit File on XX/XX/XXXX under the provisions of the Fair Credit Reporting Act section XXXX and the last letter I sent to the Credit Bureaus was dated XX/XX/XXXX. The Credit Bureuas have failed to remove the disputed items completely from my Credit report and insist that the information they report are accurate and verified. I do not agree with their findings and demanded proofs of verification for me to be able to verify the information myself. But the Credit Bureaus have failed to send me copies of documents to support their claims. I am now submitting this CFPB complaint to order the Credit Bureuas to remove the disputed items completely from my Credit Report as soon as possible for they have failed to comply with my requests. I need the following items deleted immediately : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX  XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX  XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$270.00} XXXX XXXX  XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$920.00} XXXX  XXXX Balance : {$170.00} XXXX  XXXX Balance : {$180.00} XXXX  XXXX  XXXX  ( Original Creditor : XXXX ) XXXX Balance : {$1100.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX XXXX XXXX {$180.00} XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX ) XXXX Balance : {$220.00} XXXX XXXX XXXX  ( Original Creditor XXXX XXXX XXXX  ) XXXX Balance : {$340.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance XXXX {$75.00}