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

Mariner Finance indicated that I have a joint account with someone that I co-signed for to get a loan. The account was opened on XX/XX/XXXX. I have never opened an account nor co-signed for anyone to give them authorization to use my information to secure a loan. This account is fraudulent. The account # is XXXX. 

The XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX indicated that I opened an account with them on XX/XX/XXXX. This account was opened fraudulently in my name. I have never applied for a XXXX XXXX  credit card in my life. The account # is XXXX. 

I am unaware of this debt ; I did not have the opportunity to dispute this debt. Please provide a copy of my signature indicating that I authorized my credit to be ran to apply for the XXXX XXXX  credit card and the mariner finance loan.
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. 

List of Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 or other personal consumer reports

RE : You violated the United States code law ( TILA ) 15 U.S .CODE 1666 ( b ) charge error ). Upon checking a recent examination of my credit history, I discovered a substantial number of billing issues under 15 U.S Code 1666 ( b ) billing error. ( 4 ) The creditor inability of truthfully depict an obligation payment or credit that was given to the debtor on a statement. ( 5 ) A computation error or other similar accounting error on a creditor 's statement. Upon conducting a recent examination of my credit report, I discovered a substantial amount of discrepancies. Based on my understanding, the creditor failed to furnish me with a statement at least 21 days in advance, so precluding any occurrence of late payments on this account. I kindly request access to verifiable evidence from the creditor 's financial institution that substantiates my nonpayment and late status, which can be attributed to an evident billing error. My consumer report states that each of the items below needs to be changed to reflect the agreed-upon payment. 

XXXX. XXXX XXXX : ACCOUNT # XXXX ... 

XXXX. XXXX XXXX : ACCOUNT # XXXX ... 

XXXX. XXXX XXXX : ACCOUNT # XXXX ... 

XXXX XXXX : ACCOUNT # XXXX... 

XXXX. XXXX XXXX : ACCOUNT # XXXX XXXX. XXXX XXXX XXXX ACCOUNT # XXXX ... 

XXXX. XXXXXXXX XXXX : ACCOUNT # XXXX ...
Product: Checking or savings account

I live in XXXX, and get bi-weekly deposits from my employer to my Chase account since I am a remote worker. 

on XX/XX/XXXX, my account got locked for fraudulent activity after I made a payment through XXXX for XXXX  music lessons. I have called Chase over 10 times, and they told me the only thing I can do is to go physically in a chase branch to get this resolved. 
This is unacceptable since I am in XXXX, and going to the United States is a danger to my health as of now.
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. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries. 


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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C, 1681section 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

My money suddenly disappeared from my account and it seems my money has been stolen or mishandled through Bank of America. Twice this week, I transferred money digitally between my accounts from XXXX XXXX, to Bank of America. First on the XXXX of XXXX and yesterday the XXXX of XXXX. I received confirmation of the transaction via email and text message confirmations from both banks and when I checked my account on both instances, the money was visible in my account. This morning, I received a low balance notification to my phone from bank of america and when I checked my account, my balance was set at {$0.00}. I have no new transactions on my account and now the lines showing the deposits/transfers are no longer visible as if it were erased from the system. This is very frustrating as I needed the money to make a purchase. Now the money is suddenly missing. I need to know what happened and where my money is immediately and I have yet been able to get in contact with a representative and have been on hold waiting to talk to someone all morning. I no longer feel like I can trust this company with my money and will most likely be closing my account immediately after getting this issue resolved because this is ridiculous.
Product: Credit reporting or other personal consumer reports

I am writing to formally file a complaint regarding errors on my credit report that have resulted in an inaccurate credit score. Despite my attempts to resolve the issue directly with the credit reporting agencies and debt collectors involved, the disputed items remain unresolved. Debts remain impacting my score despite not being given proof of debt, debt validation etc. These inaccuracies are affecting my creditworthiness and causing significant harm to my financial situation. I have requested verification of the disputed debts, but have not received sufficient documentation or evidence supporting the claims made. I am seeking the CFPBs assistance in ensuring a thorough and fair investigation into these discrepancies, so that they can be corrected in compliance with the Fair Credit Reporting Act ( FCRA ). I am requesting that the necessary actions be taken to remove or amend the erroneous entries on my credit report and that a resolution be reached promptly to mitigate further damage to my credit standing. 

Following errors : XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Remains The company that reported the information has certified to Experian that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details.
Product: Credit reporting

I logged into the Experian site to review my credit report. They offered to see my FICO score an credit report for a {$1.00} fee, that i paid. I was unaware this fee was a 7 day trail membership and if i did not cancel the trail within the 7 days i would be billed {$23.00}. The amount was charged on Saturday XX/XX/XXXX i called them on Monday, XX/XX/XXXX at XXXX XXXX. i was informed they do not issue refunds and but would cancel my subscription for any future billing. I can get my XXXX and XXXX credit report and FICO score for free at any time so to pay {$23.00} a month for this is something i would never have done. i only wanted to see my credit report and score to compare versus the other XXXX and see if the same inaccuracies i found on them were on their site as well. .If they want to charge me {$1.00} for this service and then ask me if i would like to pay the fee after the initial time that would be fine but to charge you to get your FICO score and make it a trial membership so you are actual paying almost {$25.00} for this info is deceitful. Integrity is paramount for anyone that is managing peoples credit and they have clearly shown a lack of it.
Product: Money transfer, virtual currency, or money service

I have never done business with Square. I did not order anything from Square. I did not authorize Square to debit my account in anyway. However, on XX/XX/2019, they debited my bank account {$100.00}, which caused an overdraft and a {$40.00} fee. They were never given permission by me to debit my account. When I called them, they refused to look into it and have forced my hand into contacting enforcement agencies. I'm not sure if you can help, but hopefully you can at least point me in the right direction.
Product: Credit card or prepaid card

Attempted to use XXXX XXXX Account to check for fraudulent activity and have been locked out of my on-line account. 

Spent XXXX hours on phone with XXXX different representatives. 

Resolution : Account on-line will remain locked from XX/XX/2023 until up to XXXX  months for the new cards to arrive. 

I can understand locking the purchasing status of the card in this situation but they will not allow me access to the on-line account. I am on Paperless Statements so I have no way to see what might be going on.
Product: Money transfer, virtual currency, or money service

i am writing to express my concerns regarding zelles procedure to handling disputes. In the light of the recent CFPB lawsuit highlighting significant issues with the platform. After reporting discrepancies my financial institution and Zelle failed to investigate my claims. They said recovering lost funds was impossible to track. The CFPBs finding indicate that Zelle has not only neglected to protect consumers but has also allowed repeated offenders exploit the system, leaving users vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Money transfer, virtual currency, or money service

I accidentally transferred {$25000.00} from my credit union checking account to an already funded CD account with Ally bank on XX/XX/2023. Since the CD was already funded Ally bank supposedly returned the funds back to my external credit union checking account on XX/XX/2023. I still haven't recived the funds. I have contacted Ally bank multiple times with no solution. The last time I contacted Ally, I was told that I would recive the funds by XX/XX/XXXX but still no funds were transferred to my external account. I have also contacted my credit union to see if they can trace where the funds are but all they could see is the money transfer to Ally bank.
Product: Student loan

They have called multiple times at my job that I just started. I 've already been called attention due to this matter. Please I need help with this. XXXX her name is XXXX
Product: Credit card

My credit card is with bank of America visa, as of recent my credit card balance was reduced from XXXX to XXXX despite making monthly payments. with bank of America ive also had large sums of money go missing from my checking account.
Product: Debt collection

My father who served in the XXXX was Deceased on XX/XX/XXXX. I notified Discover XX/XX/XXXX of XXXX that my father had passed. They said they would take care of it when I called their customer service. 
On XX/XX/XXXX I spoke over the phone with attorney XXXX XXXX who filed what was needing in the court system my father had passed and the house was considered a homestead therefore a creditor could not come after the house once transferred into my name. I paid him {$1400.00} to file everything. 
Two weeks later my deceased father received a delinquency notice from Discover. I called Discover and they asked for money from the estate. They where informed there was nothing in the estate. They told me to apply the cash back bonus to the account. 
Several weeks later I received a call, a letter from XXXX XXXX  XXXX. I informed them there is no estate. They said ok that was it. In XX/XX/XXXX/ XX/XX/XXXX I received calls and letters again from XXXX XXXX XXXX. I informed them the estate was insolvent. The rep replied ok. The next time I spoke with a rep they said they would still file a claim ... I told them it was insolvent.. I faxed them the court documents provided by my attorney .... A few days later I received another letter from XXXX XXXX XXXX wanting me to settle on the account. I attempted to contact XXXX XXXX  XXXX during regular business hours but they sent me to a voice mail and I asked them to stop attempting to collect from me. Do not call me again. Now, today I received court papers in the mail.
Product: Credit card or prepaid card

I made a purchase from XXXX and open a credit card offered on their site. The order was incorrect, incomplete so XXXX sent prepaid return label. Therefore, this account should be XXXX until the items are repurchased. The new purchase is scheduled to take place XX/XX/2019 when the XXXX XXXX agent call me to correct and place a new order.
Product: Mortgage

On XX/XX/2020, I started an application and communicating with XXXX XXXX of Freedom Mortgage. Communication was static at times and I tried to be understanding that there is an influx of homeowners trying to refinance with the low rates. I paid the an appraisal fee of {$480.00}, submitted all the paperwork, signed all the documents and a week before closing ( XX/XX/XXXX ) tried to contact XXXX with no success. On the day of closing, I tried to contact XXXX again with no success, and then called the Escrow company. Escrow company said they had my paperwork, but did not have the funding documents. 2-3 days later, I was able to get a hold of XXXX and he said there was an issue in underwriting and he was trying to get it corrected and would contact me back. That was the last I heard from XXXX XXXX. After reaching out to the main company, another employee XXXX XXXX contacted me and told me that XXXX was no longer taking care of my mortgage. I shared my concerns and he told he would pass that information on to his manager to contact me. Since XX/XX/XXXX, I have only been able to get in touch with XXXX XXXX. XXXX has been a great employee, he returns my calls and emails. But he is in training and can not be my loan officer. He tells me that he has been telling his supervisor that I have been calling, but I have not received any communication via phone or email from the company. 
XX/XX/XXXX, I asked XXXX to refund my deposit and he did. 

My complaint is that I paid a deposit and sent this company all my personal financial information. They pulled my and my wife 's credit report twice, which has lowered our credit score. I have already lost over {$3000.00} in savings if this loan had closed when it was supposed to. if I went with a different company, I wouldn't have been waiting on Freedom Mortgage and would have saved {$3000.00}. This is costing me money. 

If I decide to move forward with another company, my credit score has already been lowered because of Freedom conducting a credit inquiry. This will affect my opportunity to get a low interest rate, which will cost me thousands over time. 

Will Freedom contact me and do something expeditiously to make this right?
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, 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 ( i ) 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; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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

XXXX IS IN SERIOUS BREACH AND HAVE COMMITTED SEVERAL VIOLATIONS ; ALL XXXX BUREAUS ( XXXX XXXX, EQUIFAX, AND XXXX ) IS IN VIOLATION OF : 1. 15 US Code 1681a ( 2 ) ( B ) - CHARGE OFF, REPO, FORECLOSURE 2.15 US Code 1681 c 2- BLOCK OF INFORMATION RESULTING IDENTITY THEFT 3. 15 US Code 1681e ( b ) - MAXIMUM ACCURACY 4. 15 US Code 1681 a 2 - DEFINITION, RULES OF CONSTRUCTION 5. 15 US Code 1692 C - COMMUNICATION IN CONNECTION WITH DEBT COLLECTION 6. 15 US Code 1692 G - VIOLATION OF REPORTING A COLLECTION 7.15 US Code 1601- CONGRESSIONAL FINDINGS AND DECLARATION OF PURPOSE 8.15 US Code 1681 a ( 2 ) ( A ) ( i ) - LATE PAYMENTS 9. 15 US Code 1681b ( a ) ( 1 ) ( 2 ) - PERMISSIBLE PURPOSE ALL VIOLATIONS THAT I HAVE BEEN COMMITTED AGAINST ME, MAY BE SUBJECTED INTO A LAWSUIT LOCATED NEAR A VENUE NEAR ME. YOU ARE NOW TELLING ME AGAIN TO CALL IN AND DISPUTE INFORMATION THAT DOES NOT BELONG TO ME. THIS ANOTHER VIOLATION 10. 42 USC 408 ( ILLEGAL AND FRAUD TO ASK FOR SOCIAL SECURITY NUMBER ) YOU HAVE 5 DAYS NOT 60 DAYS. ITS UNLAWFUL TO KEEP HARMFUL AND DECEITFUL INFORMATION ON MY REPORT. PLEASE AGAIN, REMOVE ALL HARMFUL, UNLAWFUL, DECEPTIVE, ILLEGAL, FRAUDULENT INFORMATION FROM MY CREDIT REPORT!
Product: Mortgage

Bank of America is attempting to change the terms & conditions aka " modify '' of my Line of Credit ( 2nd mortgage ) by INCREASING both the interest rate & Payment Terms from a monthly " interest only '' payment to a monthly " principle and interest " effective this month : XXXX XXXX. I can NOT afford this additional new expense. I have been a dedicated Client of Bank of America since XXXX. I have an outstanding Credit Score of XXXX or higher. 
I am a XXXX single citizen ( age : XXXX ). My only monthly income is my Social Security & a monthly small retirement of {$130.00} which pays for my prescription XXXX XXXX XXXX. 
I am XXXX XXXX XXXX XXXX XXXX XXXX ( 4 years ). I have NEVER been late on any payment. PLEASE HELP ME. My poor health wo n't let me work again. My car is 17+ years old.
Product: Debt collection

Alleged Violation of 15 USC 1692g - Validation of Debt I am asserting that a debt collection attempt made by LVNV FUNDING LLC, breaches my rights under the Fair Debt Collection Practices Act ( FDCPA ), particularly under 15 USC 1692g, which mandates the validation of debt. 

**Lack of Opportunity to Dispute Debt** Despite being approached by LVNV FUNDING LLC XXXX regarding an alleged debt, I lacked prior knowledge of its existence and was not afforded the opportunity to contest it. 

**Request for Certified Mail Receipt** Per 15 USC 1692g , debt collectors are obligated to furnish consumers with a written notice within five days of initial contact, outlining debt details and dispute rights. However, no such communication was received. I demand LVNV FUNDING LLC, furnish the certified mail receipt, corroborated by my signature, confirming compliance with statutory notification requirements. 

**Unlawful Debt Collection Practices in New Jersey** It has come to my attention that LVNV FUNDING LLC , lacks authorization to pursue debt collections in New Jersey , my state of residence. Consequently, any pursuit of this alleged debt contravenes state regulations.
Product: Credit card or prepaid card

I made a {$300.00} payment to Capital One for my credit card on XX/XX/2021. Capital One took the money from my bank account but didnt apply it to my card. I called and asked what was going on and they said there is a 26 day hold on the payment. I asked why and they said they didnt know. They said that holds like this usually occur when a there has been a late payment, a returned payment or if the funds were paid using a new checking account. None of these apply to my case. Ive been a Capital One customer for 13 years and have never been late, nor have I ever had a returned payment. I pay my card off every month and have been using the same checking account for years. They could not provide a reason for the hold and I can not use my card now. They took my money and didnt provide a service I paid for. How is this even legal?
Product: Debt collection

MY DISPUTE LETTER ASK FOR VALIDATION. A SIGNED CONTRACT WITH MY NAME. NOT A ITEMIZED STATEMENT