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 confidentialities under 15 USC 1681. 

Accounts : # XXXX, XXXX XXXX XXXX XXXX XXXX the amount of {$1100.00} for XXXX XXXX. XXXX. XXXX. 
AND # XXXX, XXXX XXXX XXXX in the amount of {$1000.00} for XXXX XXXX XXXXXXXX XXXX 
has violated my rights.

15 USC 1681 section 602A. States I have the right to privacy.

It also states, in section 2 that a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681 section 604, A. Section 5 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 conviction of crimes, which antedates the report by more than seven years.

15 USC 1681 S 2 ( A ) ( 1 ) states 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.
Product: Mortgage

I get daily emails offering various products that I do not need or want. Insinuating I can save money by refinancing when rates have risen over 2 % is deceptive and false advertising. 

Each email I get, I use the provided link to unsubscribe from solicitation emails, however, I continue to get these emails.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXX XXXX XXXX. 
{$6900.00} Balance updated XX/XX/2021 fcra violations not mine :
Product: Credit card

with my agreement I was placed in a debt repayment program with Chase. My account was closed. Then, I began to pay on a monthly basis. For the last year, I was paying the amount requested and was sent a one page notification that my checking account would be debited for {$87.00}. Well, I just discovered that I was 90 days late in payments for past due charges and it has destroyed my credit rating. Not one time did I ever get a phone call or mail telling me I was 90 days late. I spoke to them over the course of two weeks and asked them to remove these late charges from my account and that I was willing to repay the past due. They refused. Again, my account was put in a special status where my Interest rate was reduced. Never once was I ever told that my account was 90 days past due.
Product: Credit card or prepaid card

Unbeknownst to me, a Credit Card Issued by Bank of America on XX/XX/XXXX It was issued to an individual unknown to me using the following contact information : Contact info Phone number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX
Product: Mortgage

SLS IS ATTEMPTING FORECLOSE ON MY HOME WITH ASSIGNMENT THAT WERE CREATED AFTER THE CUT OFF DATE OF THE ALLEGED TRUST THAT WAS FILED WITH THE UNITED STATES SECURITIES EXCHANGE. THE DID NOT RESPOND TO ALL OF MT CONCERNS IN THE QWR NOR DID THEY ADDRESS ASSIGNMENTS ISSUES OR THE TRANSFERS. I CALLEDXX/XX/2023 TO HAS MY CONCERNS ESCALATED OMBUDSMAN DEPARTMENT AND IT REFUSED. I CALLED AND THE AGREED TO HAVE CONCERNS ESCALATED. THEY ALSO HAVE ADDRESSED THE DUAL TRACKING ISSUE
Product: Vehicle loan or lease

In XX/XX/XXXX my car died and I had to purchase a car immediately. I was working on repairing my credit from a previous bankruptsy in XX/XX/XXXX when this happened. Anyway the only finance company that would finance me was Exeter finance at 27 % interest rate. Being a single mom without no other income but my job, I had no choice but to purchase the car. I did not have money to pay cash for a car and I had to get back and forth to work. By XX/XX/XXXX I was struggling and forced into filing a chapter XXXX. I was told I would be required to pay the full amount of the vehicle but the courts said only at a 4.75 % interest rate instead of 27 %. I have been having money taken out of my check for over two years  now totaling almost {$9000.00}. My attorney and I just discovered Exeter never filed a proof of claim as required by the courts. So all of this time the money that should have been going to Exeter was going to my student loan and unsecured debt. At this time I do not know what to do! At this point my only option is to convert to a Chapter XXXX and surrender the vehicle. Otherwise once I get through the XXXX in the next 2 and a half years Exeter is going to come back and ruin me again piling on the amount of the car and late fees. I really don't want to do this. My attorney and myself contacted them multiple times about not filing the claim to no avail. I emailed them a couple months ago explaining this situation and asked if they would reaffirm the loan for the amount the car is worth now at a lower interest rate since it should be half way paid off by now and they did not file a claim. No one ever contacted me. Instead they contacted my attorney and told her WE DO NOT WORK OUT PAYMENT PLANS. She said ok then why did you not file a proof of claim back in XX/XX/XXXX as required by the courts? The person she spoke had no answer and said she would have to get back with her. Needless to say she never heard from her again. They would have had the entire car paid off at 4.75 % interest on top of the 7 months of payments I had already made. I feel like this was a shady business practice to XXXX me over.
Product: Checking or savings account

I have been receiving emails regarding someone elses Bank of America account. This has been going on since XX/XX/2022. Bank of America will not help me close this fraudulent account. Please help me!
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 : XXXXL XXXX # XXXX, Account name XXXX XXXX XXXX XXXX XXXX  # 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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting

My previous dispute of a XXXX XXXX XXXX account stated that my first default was in XXXX. The credit bureaus did their best obtaining information from the creditor, but not the creditor shows the first late XXXX XXXX. As we are now in the 7-year rule timeline I will accept the reading on my credit reports. As the law stipulates with the Fair Credit Reporting Act, the legal timeline as to the presence of the account has passed. The account must be deleted immediately, and my file information must be purged permanently.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns with Zelle 's handling of disputes, particularly in light of CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies my financial institution and Zelle failed. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has allowed repeat offenders to exploit the systems, leaving users vulnerable to scams. The lack of accountability raises serious concerns.
Product: Mortgage

OCWEN is reporting me as having two late payments but records show that I have not been late for several years on my payments.
Product: Mortgage

I sold a home that closed XX/XX/XXXX. The balances of the first and second mortgages were paid off but I had overpaid both mortgages. I have an overpayment of approximately {$1100.00} due back from my second mortgage with Citizen 's Bank. I have remained in contact and provided my current address to them since I knew I had an overage due back from them. To date I have not received repayment from them and have called them numerous times.they acknowledge the overpayment and claim to file inquiries on each of the 3-4 times I have asked them for the money and claim that they will keep me advised but I have NEVER been contacted by them regarding the status of the money and each time I call they repeat the same action. My last call on XX/XX/XXXX I insisted upon having them mail a check via XXXX so that it could be tracked. Having heard nothing from them I called again today and, as every other time before, they repeated their action of launching an inquiry. I explained this was unacceptable and spoke to a manager who said she will get back to me and forward this to the back office, since they handle the checks. I asked for a direct number to someone in this division but was told that they do n't have those numbers so I am left to once again wait and hope they handle this but I have had similar conversations before and fear that this will result in another delay. It is now 70 days and I have not received the money that is due back. This is a lending institution that recently had to pay a XXXX dollar judgement for defrauding consumers. I fear that this behavior has not been rectified and not only have they not paid out the overage but they continue to make interest on the money, regardless of how minute the amount. Multiply this for every consumer who might be having this issue and the amount multiplies exponentially. I advised the rep for Citizen 's Bank today that I would be filing a complaint with the CFPB today because of the continued inaction on their part. Should the money finally show up, I will retract my complaint but feel that this specific institution should be investigated as this may be a norm for them and others may be subject to this practice. 

I appreciate any assistance you can provide.
Product: Credit card or prepaid card

To Whomever This May Concern, I was informed on XX/XX/XXXX by XXXX XXXX that someone tried to open a bank account in my name. The application was thankfully denied and said account closed on XX/XX/XXXX ( a few weeks later ). Not long afterwards on XX/XX/XXXX, I received mail from XXXX saying that someone tried to open a credit card account in my name. When I called both XXXX XXXX and XXXX, they said that these fraudulent attempts were by people in South Carolina. When I got my XXXX credit report, I got a notice saying that an unknown Texas phone number of ( XXXX ) XXXX tried to get an inquiry analysis on XX/XX/XXXX. I also saw an account review inquiry made in my name dating back to XX/XX/XXXX. Most suspicious of all is what I saw on my XXXX credit report. The debt collecting agency LVNV Funding ( also known as Resurgent Capital Services ) made the claim that I owe them {$120.00} on an unpaid XXXX  Internet bill. The last report of this was made on XX/XX/XXXX, coincidentally just a few days before I received the alert from XXXX. 

A quick XXXX search showed that LVNV is from XXXX, South Carolina, which gives me the reason to believe they are the ones responsible. Scammers from the southern US claiming to be debt collectors have harassed me about this for some time now, and not once have I leaked any personal information to them. Something tells me they have finally gotten a hold of my info somehow and have tried using it for their own use. I am deeply concerned about this and would like to know what I should do next. Thankfully no money was stolen from me, but I am very worried about my credit information being out in the wild, as well as potentially other information ( like my Social Security Number ). I have since gotten XXXX to put a freeze on my credit, and am in the process of getting credit freezes from XXXX and XXXX. 

If there are any further steps that need to be taken please let me know. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Its 96 inquires on my credit report that i never applied for and its not fair to me, i am a fraud victim and i want this credit report agency to remove all that off my credit now and rescore my credit .Its keep reappering on credit and i want it off now, this goes back from XX/XX/XXXX to XX/XX/XXXX.This is Fraud ... someone stealing my name applying for stuff in my name
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I opened an account with XXXX XXXX XXXX XXXX and the account was closed on XX/XX/XXXX, A derogatory remark was made on my credit report XXXX, Equifax, XXXX, stating that this account has a balance of {$2500.00}, and also that I have late payments XX/XX/XXXX of 120 days late I can not understand how this can be possible is the account was closed in XX/XX/XXXX and how can any account be reporting late for 120 days for 3 consecutive months? Also I did have an account here but my balance has never been {$2500.00}, I do n't understand how they can add {$1000.00} plus dollars to my account, please help me I have contacted this company many times I would like to address these issues by either paying what i truly owe them or get this negative remark removed from my credit report.
Product: Debt collection

Beginning in XXXX of XXXX I have disputed these alleged debts. I have asked for debt validation from XXXX XXXX Bank along with JTM Capital Management and requested that these accounts are removed from my credit reports. I have not received validation of debt from XXXX XXXX Bank or JTM Capital Management and my requests have been ignored. I do not have any knowledge of these accounts. I want to see proof of debt and a contract that has my signature to prove, I am in fact the person repsonsible for these debts. XXXX XXXX XXXX JTM Capital Management continues to verify the accuracy of the information being reported with the CREDIT BUREAUS after my numerous disputes with XXXX , XXXX and XXXX . However, my debt validation request are being ignored. 

There are a total of two accounts from XXXX XXXX XXXX XXXX being reported on my credit reports. I am disputing both accounts. Both accounts are listed as sold/transferred to JTM Capital Mangament LLC.
Product: Vehicle loan or lease

I called Harley Davidson Credit on XX/XX/2019 to inquire why my XX/XX/XXXX payment had not been processed yet. The person I spoke with could not even tell me if they had received it yet. Receiving no help in this area, I then asked about a late charge of {$66.00} on a payment of {$1000.00} credited on XX/XX/2019 for a {$540.00} payment due on XX/XX/2019 which included a {$46.00} late fee. She said she could not credit the charge back to the account because in the past payments had been made late. I told her it was unfair to charge a late fee on a payment that was not late. Also this payment brought all principal, interest and fees current before XX/XX/2019. Also billing statements do not describe how and when late fees are assessed or how much is owed on the account. I would appreciate any help you can give me in recovering my {$66.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

The two accounts that's reporting on my credit file XXXX  XXXX and XXXX XXXX XXXX XXXX was never verified by the credit bureau that it's my debt and all the things that's reporting. This is against the FCRA & CFPB. I've sent letters every month certified and they refuse to investigate or sent me proof that's both are my debts.
Product: Money transfer, virtual currency, or money service

I had someone who i thought was a friend ask me for a favor. The favor was that they would Zelle me money and I would just XXXX XXXX them that money. I had done this many times before for other friends of mine, so I didnt think much about it this time. The first amount he would send was {$2000.00}, and over the course of a few months, the amounts he would send me were from {$250.00} to {$2000.00}. Unfortunately, at the time, I didnt realize this at the time, but my friend was sending me money from different accounts and names. Before I knew it, Zelle banned my account due to fraudulent activity.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm XXXX XXXX, and I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the XXXX credit bureaus to confirm these records XXXX XXXX XXXX XXXX XXXX XXXX. I'm confident the contested records are settled. 
XXXX XXXX XXXX  Balance : XXXX XXXX XXXX Balance : XXXX
Product: Credit card

XXXX XXXX provides the single option of a reloadable credit card to compensate donors. XXXX XXXX, now ONBE is the card servicer. Payment was loaded onto the card and before it could be withdrawn there was an unauthorized charge of {$50.00}. The card was new and in my possession. I noticed the charge almost immediately and called the number for service. The customer service representative emailed me a copy of the transaction history. The transaction was listed as a POS ( point of sale ). The card was not produced at a point of sale. The transaction history was missing relevant information such as terminal number, XXXX #. The customer service representative was not able to provide the information. The charge was pending at this time, I requested the charge be canceled, reversed, or stop payment. I was informed that I would have to wait until the charge went through and then submit a formal dispute. The dispute can only be submitted by fax. The transaction history showed a charge at XXXX with a telephone number to XXXX XXXXXXXX XXXX XXXX XXXX had no record of a transaction under the card number I provided. I poke to XXXX XXXX on XXXX different occasions and no record was ever found. The company does not have a money transmitting license as required and they do not have knowledge of or follow the laws governing electronic fund transfers. The pending charge had to be approved by the company. Refusing to cancel the charge effectively aids the criminal in theft. The company does nothing to aid the principle card holder and everything to hinder a refund. I submitted the dispute by fax and email, as I had additional questions and concerns. Due to the incompetency of the company I did not want a refund issued on another card. I did not want an account at all with the company. My emails were not returned. I was informed the investigation would take up to 45 days. The law provides for a 10 day investigation. The company can take up to 45 days granted a provisional credit is applied to the account. No such refund was provided. Northlane customer service representatives do not have access or ability to provide any assistance. They do not have an escalation department or even a supervisor that can assist. Northlane should not be permitted to handle anyone 's money. You are forced to accept the card and are charged XXXX to call customer service or check the balance. Checking the balance online effectively gives the company access to all of your information including location, IP address, log in information, and operating system. The company recently merged with ONBE a business integration company. There is an obvious problem with operation. It is more than likely research at the card holders expense. There is a good reason PLASMA donations centers are banned in several countries. America should follow suit, as XXXX picks up the bill for life they XXXX out of donors. God doesn't like ugly, he isn't too fond of pretty either.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a dispute letter last month requesting that you remove the following inaccurate accounts or that you update the inaccurate information, and it was ignored. I would like to know what your method of verification was as well as the documentation to prove you performed an independent investigation. 
Where is the proof this investigation was done? Why cant you send it to me? I am re-disputing these accounts. 

XXXX  XXXX XXXX delete this account for inaccuracy because the high balance is {$350.00}, and {$0.00}, last verified date XX/XX/XXXX for XXXX and XXXX has No date reported. 
The date of last activity for XXXX XX/XX/XXXX, for XXXX XX/XX/XXXX, Date reported for XXXX XX/XX/XXXX, and XXXX XX/XX/XXXX Date opened for XXXX XX/XX/XXXX and XXXX XX/XX/XXXX Closed date for XXXX XX/XX/XXXX and for XXXX there is no date at all. 

XXXX XXXX Last verified by XXXX XX/XX/XXXX, XXXX no date, Equifax XXXX date, Date of last activity XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, Date reported is inaccurate XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, Equifax XX/XX/XXXX, The date opened is inaccurate XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, Equifax XX/XX/XXXX, Balanced Owed is inaccurate XXXX {$5900.00} XXXX {$5900.00}, Equifax {$6300.00}, Creditor Type : XXXX has Finance/Personal, XXXX XXXX XXXX XXXX EquifaxXXXX XXXX Dealers XXXX this is inaccurate. 

Last Payment is inaccurate XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, Equifax XX/XX/XXXX, Term Length XXXX 62 month, XXXX 62 months, Equifax has no term reported, Last payment XXXX XX/XX/XXXX, XXXX, Equifax XX/XX/XXXX XXXX Past Due Amount : XXXX {$1500.00}, XXXX : {$1500.00}, Equifax : {$1000.00} Please Block and delete this account for inaccuracy Please send me a new credit report Thank You
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX {$520.00} XX/XX/XXXX, XXXX, XXXX XXXX, {$920.00} XXXX XXXX, XXXX, {$500.00} Account Never Granted Closed by XXXX XXXX XXXX XXXX XXXX XXXX  {$2700.00} XXXX XXXX XXXX XXXX XXXX XXXX  {$1000.00} The collection and credit reporting agencies have broke the following laws according to the FCRA : 15 USC 1681 section 602 15 USC 1681 section 604 15 USC 1681s -2 Please remove immediately
Product: Vehicle loan or lease

This is a follow-up to our initial complaint # XXXX submitted on XX/XX/2018. The response from Honda Financial Services just further proves how corrupt and incompetent that organization is, and someone there needs to go to jail. The matter at hand pertains to a fraudulent {$350.00} that Honda has been trying to extort from us hardworking minorities. This seems to be pure racism by them. Their response to complaint # XXXX is that they charged us {$350.00} because of a turn-in fee. HOGWASH! Under the terms of the contract, the fee is waived if the customer subsequently purchases or leases another Honda. When we returned our XXXX XXXX XXXX to the XXXX XXXX dealership in XXXX, FL, we advised the dealership that we would be purchasing another Honda but that it may be a bit longer than 30 days due to an upcoming move. The Honda representative at the XXXX dealership said that would be fine, and that although 30 days is generally the time parameters they provide, Honda would happily extend that to the end of the year for us. My husband, XXXX XXXX, and I, subsequently purchased a XXXX XXXX XXXX in Connecticut on XX/XX/2018 ( account # XXXX ) and adhered to the end of the year parameter Honda provided to us. For them to now attempt to falsely claim their attempt to extort {$350.00} from us is due to failure to comply with the turn-in parameters when we in fact complied with the very turn-in parameter they told us would be fine by them is ridiculous. Honda Financial is corrupt and this is an act of racism. Shame on them, our society should not tolerate such racist behavior.