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 it
ems 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

My husband and I have files several disputes with XXXX, XXXX, Transunion, and XXXX, about inaccurate information on my credit report. The first time XXXX was reporting all the negative payment history and refused to include the positive payment history. After trying to dispute that, XXXX started placing IN REPOSSESSION for each month for 3 years after the car was repossessed. We sent in another dispute, XXXX, XXXX and Transunion reported the same inaccurate information. We tried to fix the problem by calling XXXX to report the inaccurate information. XXXX told us, they wasn't fixing anything, because everything they sent to the credit bureaus is correct until 2026. We explained that the account cant be still open, if we don't have the car. We also let him know, reporting IN REPOSSESSION for years on our account is not fair. He replied, it is what it is and that is what they will continue to report every month.
Product: Consumer Loan

I leased a XXXX through Ally Financial with XXXX miles per year ( XXXX total miles ) that was left in immaculate condition on return with about XXXX miles on the vehicle when returned in XXXX. I had previously taken the vehicle to XXXX to review the tires wherein I was informed that there was plenty of tire tread to meet typical safety standards and was advised by XXXX that I should not need to replace the tires, etc. as the tread was in excess of XXXX '' tread remained above the tire safety line. In addition on return I paid a {$0.00} per mile overage charge on the vehicle to Ally. Ally claims their lease contract requires XXXX '' tread and are wanting to charge {$830.00}, or {$200.00} per tire. On returning to XXXX I learned of XXXX things, 1 ) the tire cost at XXXX is {$110.00} per tire, or {$450.00} total and 2 ) the XXXX '' tread requirement is impossible to achieve on a XXXX mile lease and in fact, in XXXX 's professional opinion, that tread depth could not even in all likelihood be achieved on XXXX miles per year ( XXXX ). I feel that Ally is misleading consumers with the tire XXXX '' tread lease requirement, as well are overcharging for tire replacement costs versus the market and finally are double dipping by adding both the {$0.00} mileage overcharge and replacement tire charge.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information my credit report, leaving an inaccurate or unverified accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove the disputed accounts, as Experians inaction violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  Account # XXXX {$490.00}, Account # XXXX {$970.00} Account # XXXX {$1200.00}, Account # XXXX {$740.00}, Account # XXXX {$1400.00}, Account # XXXX  {$400.00}, Account # XXXX {$390.00}, Account # XXXX {$480.00}, Account # XXXX {$820.00}, Account # XXXX {$1400.00}, Account # XXXX {$740.00} Account # XXXX {$4000.00}, Has violated my rights. 

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

15 USC 1681 section 604A section 2 : it also stated a consumer reporting agency can not furnish a account without my written instructions.

15 Usc 1666B : A creditor may not treat a payment on a credit card account under a open consumer credit plan as late for any purpose, I demand each item be removed from my credit report immediately, I await your reply with the above requested proof, upon receiving it, I will correspond back with you by certified mail. 

Sincerely, XXXX XXXX XXXX
Product: Checking or savings account

We opened a petty cash account with our other accounts at Wells Fargo so my wife could buy groceries or make other small purchases without accessing our main checking account which we used to pay for our larger monthly expenses e.g. mortgage, car payments, etc. 

We hadn't used the account in a few months and I noticed we had a small negative balance. When I checked I saw a {$30.00} fee being assessed monthly over the prior three months or so with no other charges. 

When I inquired with the bank on the reason for the fee, they advised it was associated to the type of account being a premier portfolio account. I advised that was an error and we only used the account for petty cash purchases. 

The representative apologized for the error and reversed the maximum of the fees she could access and noted the issue would need to be escalated and addressed by the investigations team, as it extended back over years. She further advised the issue would be resolved in a few days. I waited a week and checked to see if the fees had been returned, but they had not. I called the bank and was advised that no investigator had been assigned to my case but would be assigned soon. I waited another week and again contacted the bank and was again advised no investigator had been assigned, When I asked the representative to speak to a supervisor. I was told that supervisors did not speak to customers. I called the main customer service number and they escalated to the executive office and I was told once again that an investigator would need to review the case, but no time frame could be honestly provided. I was told I could call periodically to obtain status. 

It has been almost a month and a half since I first called the bank and the fees are likely close to a {$1000.00}. It would be very helpful to have them reimbursed before the holidays.
Product: Debt collection

I am XXXX XXXX military servicemember, and was contacted by Williams & Fudge on behalf of XXXX XXXX, alleging I owed ~ {$2600.00} despite having my account paid in full to XXXX XXXX when I disenrolled. The debt collector has repeatedly provided an unsigned agreement, claiming that that is debt verification. 

Further, they have been attempting to charge a late fee in excess of the SCRA 6 % cap. They have stated " If you think you know what's legal better than me, you should just sue me. '' When reminded of federal law, both front-line reps, their supervisor, and their outside counsel have been unhelpful and abusive.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' Equifax is a consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agency Equifax do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to Equifax ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A 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 inaccurate. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. Equifax is not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Mortgage

I had a mortgage with this bank for the past year and some months. During the time, I made all payments on time, including even some dubious increase in the monthly payment from {$3400.00} to {$3700.00}. I did my best under difficult circumstances to make timely payments. 

During the time, I tried I called them several times to see if we can get a refinance, but each time they flatly denied and wouldn't go any further to explain why, and at the time we were getting a lot of offers from other institutions to refinance. Nonetheless, I continued to make my payments. 

Last month, XX/XX/XXXX, we were finally able to close a refi with a different lender who wired M & T 's payoff to them on the same date as above. Before then, they had been made aware of this closing and were totally involved. 

As expected they closed my online account that I had been using to transact business with them and retrieve documents and messages on the same day the principal was paid off. The processed it and effectively zeroed out the account. 

On XX/XX/XXXX, I saw that the regular transfer that always went out to them on the first day of the month had been initiated and was pending on my XXXX XXXX XXXXXXXX account. I called them immediately to let them know that they my account had been closed with them and I don't owe anything to them. I made aware I had a new mortgage that was due and therefore I need that money to pay the new lender. 

We did a lot of back and forth on the phone and told me they would investigate and take the necessary action. 

As I write this complaint, on XX/XX/XXXX, they neither have returned my money nor return my call. I am having to borrow money, not only for my new mortgage, but also other expenses that we incur as a young bottom of the barrel family struggling to survive in one most expensive places on earth : XXXX XXXX XXXX XXXX of California. 

Every cent we earn is important for us! 

It is certainly not right that this bank has unlawfully taken our money for over a week without making any attempt to return it, or even providing me a simple customer service of letting me know what is going on.
Product: Credit reporting, credit repair services, or other personal consumer reports

Portfolios Recovery Associates, LLC are in Direct Violation of The Fair Credit Reporting Act, has violated several of my rights. Is reporting a debt that is not mind on my credit report with the amount of {$1100.00} that does not belong to me. I have been contacting them several times a year from XXXX XXXX XXXX XXXX  to get this removed from all three major credit bureaus. 
They still have not removed the information. 

15 U.S.C 1681 section 602 A. Clearly states that I have the right to privacy.

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

Company has misused my identities in an attempt to bill me for a product I do not need through my XXXX XXXX card & my XXXX card
Product: Credit reporting or other personal consumer reports

I am submitting this complaint against TRANSUNION regarding inaccuracies in my personal information as reported in my credit report. 


Details of the Dispute : 1. Incorrect Name : My current legal name is XXXX XXXX XXXX. 
, but it is incorrectly listed on my credit report. I request that my name be updated to reflect the correct information. 

2. Outdated Address : My current residential address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida, XXXX, while my credit report shows an outdated address. I request that my current address be updated accordingly. 


3. Incorrect wrong Employers : My credit report shows the wrong employer. Please update my employer. 




Supporting Documentation : I have enclosed copies of supporting documents to verify the accurate information provided above, including : A copy of my driver 's license or passport displaying my correct name. 
A recent utility bill or bank statement showing my current address. 


Request for Confirmation : I request that TRANSUNION investigate this matter and provide me with written confirmation once the updates have been made. Additionally, I would like to receive an updated copy of my credit report reflecting these changes.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, and 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, credit repair services, or other personal consumer reports

I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX Balance : {$6200.00}, XXXXXXXX XXXX XXXX Balance : {$3600.00}, XXXX XXXX Balance : {$6200.00}, XXXX XXXX Balance : {$0.00}
Product: Money transfer, virtual currency, or money service

I am writing to express 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 discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that covering lost funds with impossible and unable to track the transactions. This lawsuit indicates that CFPBs lawsuit shows Zelle has not only neglected to protect consumers but has also allowed repeated offenders to exploit the system, leaving users vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting or other personal consumer reports

Im writing about the following data that appears on my credit report. Im challenging the validity of this record showing a debt that is recorded in your system under the FCRA, Fair Credit Reporting Act, Section 609. I am asking you to remove this record. If you can not remove this record, I request you remove this data from my account immediately. 

BANK OF AMERICAXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I want this deletion from my report 3 bureaus.
Product: Credit reporting or other personal consumer reports

After reviewing my credit report, I noticed I have XXXX late payments being reported by XXXX XXXX XXXX. I notice the late payment was reported in XXXX, XXXX and XXXX of XXXX and XXXX of XXXX. Please note I have excellent payment history with is company and has never been late. From my history of never being late, this is an oversight on behalf of the client. Please note this report is a violation of my consumer rights. These late payments were reported during XXXX XXXX, there was no grace given due to a pandemic happening. Please understand as a consumer my rights were violated by the reporting of these late payments. I would like these late payments to be removed and cleared from my credit profile. 15 U.S. Code 1666b - Timing of payments ( a ) Time to Make Payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.
Product: Debt collection

To : Portfolio Recovery Associates , LLC Request for Debt Validation and Cease Communication Account Number : XXXX Original Creditor : XXXX XXXX  Balance : {$23000.00} Dear Portfolio Recovery Associates, I am writing regarding the above-referenced account that you have placed in collections. Under my rights granted by the **Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S. Code 1692c**, I am formally requesting that you cease all communication with me regarding this debt, except for the purpose of providing proof of the validity of the debt. I am also requesting a complete validation of the debt, as required under **15 U.S. Code 1692g Additionally, I believe this debt may be inaccurately reported or otherwise mishandled by your company. If you can not provide proper validation of this debt, I request that you immediately remove this collection from my credit report and cease all collection efforts. 

Please provide the following : 1. **The original signed agreement** or contract from XXXX XXXX  showing my obligation to pay this debt. 
2. A **full accounting of the debt**, including the original balance, any interest, fees, and charges that have been added since the date the debt was sold to you.

3. **Proof that your company is authorized to collect this debt** and that it was legally sold or transferred to you.

4. The **date of last activity** on the account, including any payments made, to confirm whether the statute of limitations has expired.
As per **15 U.S. Code 1692c**, I also request that you cease all communication with me, except to provide the requested documentation. Furthermore, any attempts to report or continue to report this debt to the credit reporting agencies while it is being disputed or without providing proper validation is a violation of federal law under the FDCPA. 

If you are unable to verify this debt, I request the immediate removal of this collection account from my credit reports with all major credit bureaus ( XXXX, XXXX, and XXXX ) and an acknowledgment of the removal in writing. 

Failure to comply with this request will result in a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and legal action, if necessary. 

Please respond in writing to the address above within 30 days of receipt of this letter.
Product: Credit reporting or other personal consumer reports

I am filing this complaint because the consumer reporting agency has failed to respond to multiple dispute requests submitted on my behalf by my Power of Attorney. These disputes were sent more than 30 days ago, and I have not received any response or confirmation that an investigation has been initiated.

All necessary documentation was included in the dispute requests, including my identification, proof of address, Power of Attorney, and a detailed list of the items in question that require investigation. Despite providing everything required, the consumer reporting agency has not taken action, which is a violation of the Fair Credit Reporting Act ( FCRA ). 

I request that the CFPB intervene to ensure the consumer reporting agency conducts a thorough investigation and provides a timely response as required by law.
Product: Vehicle loan or lease

In XXXX, I Co-Sign for my Son so he could qualify to Lease a XXXX Truck ... .when the Lease Term was up he decided to purchase the Truck ... .he did n't require my help anymore so I did n't have to Co-Sign for him anymore ... .I was delighted. When he started having problems with the payments I started getting phone calls from Ally. I explained to them that I was no longer a Co-signer ... they told me that I was mistaken ... .I asked for a copy of the Sales Contract. I was given a Copy years later ... I filed dispute with the three Credit Bureaus and send them a copy of my Drivers License to prove that they were dead wrong. Finally they asked to file a Police Report which I did and is hereby going to be attached. I asked if that be enough to have Ally removed from the three reporting agencies ... they said " YES ''. Well ... here we are and the Reports have not being changed.
Product: Credit reporting or other personal consumer reports

I recently obtained a copy of my credit report and there are inquiries reporting on my report that I did not authorize. I am very concerned about this situation because someone is applying for credit using my information. This situation is causing major stress and I need it to be taken care of immediately.
Product: Credit reporting or other personal consumer reports

I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. Here are the following date disputes was sent, XX/XX/year>XXXX XXXX
Product: Debt collection

ProCollect was notified in XXXX, 2017 that I wanted verification of the debt. When I contacted ProCollect, they stated they verified the debt themselves and would not provide me any proof. They stated all they needed to do was call the client. XXXX XXXX, a collections assistant manager is at extension XXXX. She also threatened to notify third parties. This was all on a recorded line.