23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX had my truck repossessed and Ive had my truck for XXXX. My debt was taken care of in bankruptcy court back in XXXX. Now its XXXX and they say I owe on my vehicle they have a lein from the creditor from XXXX. I informed thats not possible especially when my bankruptcy cleared after XXXX yrs and any debts were passed statue of limitations and were considered time barred debts and in after XXXX yrs these debts cant be collected on nor any collateral be seized if that was the case. I have not received any information concerning any debt that is owed : no paperwork has been presented to me at any time stating that I ever owed any debt in the past XXXX yrs nor will they give me any details of what I owe. This is illegal and they came onto my private property without notice. I have no collections or any negative items on my credit for any negative items. Need assistance getting my vehicle back immediately.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claim adequately. They informed me that recovering lost funds was impossible and tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Mortgage

I am writing this to express how frustrated we are over this situation I cant get answers when will I get funded!! The bank Westgen Lending are very unprofessional and been giving me the run around for one month to close and nothing has happen yet! They keep ignoring my calls and fail to contact me! My family and my self are very disappointed & annoyed with this situation. When I picture buying my first home all I thought it would bring happiness and joy!!! especially during this time of holidays!!! Instead were getting the opposite!! a bad experience! Stress and and unprofessionalism!!
Product: Bank account or service

I deposited a check into my account on XXXX/XXXX/15, and the bank charged me {$140.00} in overdraft fees for activity that occured that day. The banks ledger has it stated that they processed the check prior to sending out any payments, yet they charged me {$140.00} in overdraft. I contacted the bank and they are refusing to refund my money and to stand behind their own ledger, stating that they did not process the check before they sent the payments.
Product: Debt collection

Source Receivable Management : XXXX  are no longer trying to collect on this debt. Furthermore the creditor was reporting this on my consumer report as charged off which means they are no longer attempting to collect this debt and have taken it as a loss, which becomes income for me according to the IRS. This means that no one should be attempting to collect on a charged off debt. 

I am also making your company aware that you are in violation of 15 USC 1692j - ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating.

( b ) Any person who violates this section shall be liable to the same extent and in the same manner as a debt collector is liable under section 1692k of this title for failure to comply with a provision of this subchapter.

Please remove your account from MY consumer report as I have already addressed this debt via FTC report and it has already been addressed and removed so in turn should not be reporting again under a different company. I do not have any contract with this company and I do not accept your claim of debt and refrain from communicating with me this INCLUDES COMMUNICATING VIA MY CONSUMER REPORT through credit reporting agencies as well.

Thank you for your attention in this matter, Peoples : XXXX Without prejudice, All Natural Rights Reserved
Product: Credit reporting or other personal consumer reports

In accordanse with the Fair Credit Reporting Act. The list of the accounts below has violated federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XX/XX/XXXX XXXX XXXX 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 funish a account without my written instructions 15 U.S.C 1681C. ( a ) ( 5 ) sections states : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, others than records of convictions of crimes which antedates the report by more than seven years. 15 U.C.S 1681s-2 ( A ) ( 1 ) A person shall not funish 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 innacurate.

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fradulent account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I file a dispute about incorrect items on my credit report. it been well over 30 days and i have not received any information about the investigation results.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not finish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Product: Checking or savings account

Before XX/XX/XXXX, I had three XXXX  accounts at Bank of America : ^^^ XXXX, XXXX, ^^^ XXXX, XXXX, ^^^ XXXX, XXXX Called XX/XX/XXXX to shot down XXXX, and received the XXXX XXXX XX/XX/XXXX Saw that the bank mistakenly closed XXXX and mistakenly deducted a fine of {$XXXX}, but XXXX was still open.^^^ XX/XX/XXXX Went to the bank and asked for a refund of the erroneous fine for XXXX, but the bank refused.^^^ XX/XX/XXXX XXXX was still open.^^^ XX/XX/XXXX XXXX was closed and fined {$XXXX}.
Product: Credit card

On XXXX I applied for a Chase XXXX XXXX XXXX via the XXXX XXXX website. I applied for this credit card under the promotional offer of {$300.00} statement credit ( after first purchase ) and XXXX bonus miles. The {$300.00} statement credit was the ONLY reason I applied for this credit card. 
On XXXX I called Chase customer service to acquire in the stated promotion and was told that Chase has the right to change the promotional offer at will. This is a classic bait and switch. Again, I would never have applied for this credit card, and impacted my credit score if it wasn't for the advertised / published offer of {$300.00} statement credit. 
After a second call to Chase customer service, I was told marking would get a " service ticket '' on XXXX I received an email from Chase stated I was NOT eligible for the advertised {$300.00} statement credit. No explanation. Again, obvious Bait and switch tactic!!
Product: Credit reporting or other personal consumer reports

There as been an incorrect reporting data on my consumer report due to some closed account that i do not have any association with.these closed account was placed on my report without my knowledge and i do not have anything to do with these account nor benefited from them in the past.Incorrect information on my report violate the fair credit reporting act please remove these close account because they are not mine. 

XXXX XXXX XX/XX/XXXX Preferred XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

Credit Acceptance is the company that I pay for an Auto Loan and the company is reducing my loan {$250.00} when I am paying {$320.00} so that I pay for the car longer also during the pandemic I had some trouble on one month because I did not have work and the company did not give me forgiveness for the month during the pandemic and did take me out of good standing and did report me late up until today 's date.
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 XXXXXXXX XXXX 

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

I had my credit pulled for house loan application. However the credit score was quite lower than expected especially since I use credit karma to somewhat monitor my credit. I am aware that there are going to be differences, but with XXXX and transunion ( the ones XXXX uses, the gap was over XXXX points. ) XXXX had my score at XXXX about XXXX, transunion around XXXX, the credit scores that were received my home finance were XXXX and XXXX respectively. I reviewed the reason for the " low '' score and found the reasons. 
1.derogatory public record or collection. 
I was in the hospital ( XXXX XXXX XXXX in XXXX ). After not receiving a bill I called and asked. I was informed that bill was payed and no payment due. I was surprised and queried if info was correct. I was assured that no payments are due. About 2 months later I received from a collection agency a notice that I owe about XXXX $ to XXXX. I immediately called XXXX and was told, that there were XXXX accounts for me and that they had made an error. I told them that I have now a collection agency chasing me down for their error. I called the collection service and paid the outstanding amount. That was over 5 years ago and clerical errors have kept my score low!!! 
2.length of time credit has been etablished. 
I have been living for over 20 years in the US. I have had house payments since XX/XX/XXXX, car payments since XX/XX/XXXX, electric, gas, tv, cell phone bills for over 15 years. Credit cards and what have you. How long doe they want me to have credit.?? 99 % of the time I pay my bills on time, that 1 % I missed the due date which happens to the best of us. 
3.proportion of high credit on bank revolving. 
I have about XXXX $ in outstanding credit card bills, the total max/ credit limit on my cards is way over XXXX {$.00} that means I owe 20 % of maximum credit limit, how can this be a high revolving proportion of balance. 
4. Recent inquiries. 
In our days nobody has the cash to buy house or car outright. I refinanced my home, to have lower payment and pay credit cards off, and purchased a car, 11 months ago .... I ca n't see how that is a high amount of inquiries. The reporting agencies love for us to open credit cards to see that you pay them and pay on time to show you are responsibly managing your money. But then you get punished for having an inquiry on your record/ score. 
I hope you can help me out and have the situation rectified. These agencies have so much control over ones life, it 's almost criminal. I can see where people have several collections, maxed out credit cards, unpaid bills, inquiring about credit every two weeks that the score is low, but in my case it 's absolutely not the case. 
I appreciate your help!
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Account # XXXX and XXXX XXXX XXXX XXXX Account # XXXX has violated my rights. 

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

15 USC 1681Section 604 A Section 2 : It also states a consumer shall not furnish any information about an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

This wells fargo dealer service account was paid in full and completed. I submitted proof to the credit bureaus and they still report incorrect and now are adding additional late payments to the account that has been fully satisfied. This is identity theft, and copyright infringement. I will attach the copyright notice.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute fraudulent information on my report that resulted from identity theft. My personal information was compromised without my consent, leading to unauthorized accounts and inquiries listed on my Consumer Report.

In accordance with Section 611 of the Fair Credit Reporting Act ( 15 U.S. Code 1681c2 ), which covers the removal of information related to identity theft within 4 days. 

The fraudulent accounts are XXXX  XXXX ACCOUNT NUMBER XXXX XXXX XXXX- ACCOUNT NUMBER XXXX XXXX XXXX ACCOUNT NUMBER XXXX XXXX XXXX-ACCOUNT NUMBER XXXX Please conduct a thorough investigation into these matters and remove the disputed items promptly. 

For your reference, I have attached the following documents : Affidavit, drivers license, social security card, proof of address, and FTC report. 

Thank you for your attention to this urgent matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a request for a free credit score in mid to late fall XXXX. When I received no reply, I submitted a second request on XX/XX/XXXX. Both times I included the requested copies of my Social Security card and driver 's license to verify my identity. To date, I still have not received any reply or a copy of my credit report. I contacted the reporting company ( Equifax ) via telephone on XX/XX/XXXX and was told no such request was on file and I should submit a third request, with supporting documents, to Equifax 's Dispute Dept. The customer service representative I spoke to was unable to provide any information on previous requests or how I could ensure my third request would be entered into their 'file. ' I found him unhelpful. A third request was faxed to Equifax on XX/XX/XXXX. Any assistance you can provide in ensuring I obtain a copy of my credit report would be appreciated. I am aware there are discrepancies on my credit report but can not address them without an actual copy of the credit report.
Product: Credit reporting or other personal consumer reports

This Bankruptcy accountis being reported on my credit report as if they are the furnisher, then this account is reporting inaccurately and needs to be deleted since you are violating 15 USC 1681e ( b ) by keeping my credit report from reporting 100 % accurately. This Account needs to be removed from my file U.S. Bankruptcy CourXXXX XXXX  XXXX Bankruptcy Discharged Reference # : XXXX Date Filed/Reported : XX/XX/.
Product: Debt collection

New Era Asset Management called family members and friends and left voice mails on XX/XX/2020 XXXX EST about my situations. Beside by being harassed and intimidation by this company they are now the embarrassment from them telling family and friends is unacceptable. Some how this company has access numbers illegally of family and friends that I have not gave out and they have called. 

They also used these tactics earlier in the year also and I left a message not to call the other numbers they used.
Product: Credit reporting or other personal consumer reports

Identity Theft : On XX/XX/2021 I discovered that an individual using my personal information, including my name, address, and Social Security number, fraudulently opened a timeshare account with XXXX XXXX XXXX XXXX without my authorization. 

Unauthorized Bank Account Connection : Furthermore, the individual responsible for this identity theft connected my bank account to the timeshare account for automatic payment. As a result, funds have been deducted from my bank account without my knowledge or authorization to cover expenses related to the unauthorized timeshare account. 

Notification to Authorities : Upon discovering this fraudulent activity, I immediately contacted my bank to report the unauthorized charges and initiated an investigation into the matter. Additionally, I have filed a police report with the XXXX POLICE DEPARTMENT ON XX/XX/2021 documenting the identity theft and unauthorized use of my personal information. 

Request for XXXX : I hereby request that the Federal Trade Commission ( FTC ) conduct a thorough investigation into this matter to determine the extent of the identity theft and take appropriate action against the individuals responsible. I also request that XXXX XXXX XXXX XXXX be notified of the fraudulent activity and instructed to cease all further transactions associated with the unauthorized timeshare account. 

Assistance with Resolution : Furthermore, I request assistance from the FTC in resolving any financial liabilities incurred because of this identity theft, including reimbursement for any funds unlawfully withdrawn from my bank account and the removal of any negative marks on my credit report associated with this fraudulent activity. This has affected my credit report and I have disputed this item with the three credit bureaus they are not helping please help cfpb I have enclosed copies of relevant documentation, including the police report, bank statements, and any other supporting evidence, to assist with your investigation. Please contact me at the above-listed contact information if additional information or clarification is needed. 

Thank you for your prompt attention to this matter. I trust that the FTC will take swift action to address this case of identity theft and protect my rights as a consumer. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Checking or savings account

On XX/XX/XXXX a transaction for {$240.00} from Tickets Jurassic park through XXXX and a transaction of {$38.00} through XXXX ( insurance for tickets ) was posted to my account. Both of these transactions were authorized and legitimate. The event was since cancelled due to Covid -19 and XXXX XXXX stated that the funds would be credited to my account within 30 days, and they never were. On XX/XX/XXXX I called Citizens Bank to file a dispute for these transactions and on XX/XX/XXXX i was issued a provisional credit of {$280.00}. 

On XX/XX/XXXX I received a letter in the mail stating that i never completed additional paperwork needed and that my provisional credit would be reversed on XX/XX/XXXX. I contacted the call center XXXX on XX/XX/XXXX to inform them that i never received any additional paperwork and if they could please send again i would be happy to complete and forward. I have still not received this paperwork. They stated that i should be receiving a call from their Electronic Banking Department, but I never did. On XX/XX/XXXX after the provisional credit was reversed i called their XXXX again and requested the additional paperwork and was told that i would receive a phone call from their Electronic Banking Department within 24 hours and to look for a XXXX phone # to call. I have yet to receive a phone call. 

As of XX/XX/XXXX, i have not received a phone call from Citizens Bank 's Electronic Banking Department, i have not received any additional paperwork and my provisional credit has been reversed.
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. 


I told XXXX, Transunion, and XXXX to reinvestigate these accounts : XXXX : #, XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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: Student loan

I had a call by a guy of name of XXXX XXXX I did not have access to my email on my new phone. So he sent codes to my phones for the new forgiveness program that XXXX. And he change my XXXX password which I did not say he could. And took my debit card number. So I please need to cancel the application he sent in so he does not steal my social security number and all my information
Product: Credit reporting or other personal consumer reports

My personal information has been compromised due to a data breach with XXXX, which I believe led to unauthorized access to my information. As a result, several unauthorized accounts, addresses, and names have appeared on all three of my credit reports. I have already contacted XXXX, who confirmed that my information was indeed compromised and provided me with the reference number XXXX. This situation has severely impacted my life, ruining my ability to acquire credit to buy a home for my family and obtain essential things for daily life. I am requesting that these unauthorized items be removed from my credit reports immediately. Please confirm receipt of this request and advise on any further actions I may need to take to ensure the prompt resolution of this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XX/XX/XXXXAccount # 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