23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

USBank has been calling our number MULTIPLE times a day starting on XX/XX/XXXX, continuing through today so far. I've reported to FTC several times starting a few weeks ago, as some of the people are leaving messages for someone named " XXXX '' or " XXXX '' I've called three different people, along with the USBank 's main number shown on their web site, to let them know they're reaching the wrong number. Still they persist, and the person I spoke with who answered at the XXXX # for customer service ( XXXX ) insists that they're not calling our number, that " it must be scammers '' ), but the callers who've left messages sound like they're from collections or something like that.. The other reason I think it's collections is that every day the calls come at the same exact times ( just after noon, again around XXXX and then around XXXX XXXX. XXXX ). We've had our number for over a year now, and have never had other calls for the person they're trying to reach. Also, when we DO get telemarketing calls, there's at least a way to remove us from their list ; no option for that with these. US Bank is harassing us, with no reason, especially since we're not even a customer of theirs ( and never will be because of their tactics ). I don't know what they hope to accomplish by their calls as we know the number and will not answer. PLEASE DO SOMETHING TO STOP the calls.
Product: Credit card or prepaid card

I called to cancel my Citibank credit card account and the retention specialist made an offer of spending $ XXXX for three months on the card and the annual fee of {$95.00} would be credited back. I agreed to these terms and asked to have the offer confirmed via mail. I received mailer today that said the amount was $ XXXX. I would not have agreed to the terms if the offer was {$3000.00}. I asked Citi to confirm these details and they would not unless I called the retention team. I believe this is a bait and switch aimed at making it so hard to get the retention offer that the cardholder gives up.
Product: Credit card

I have been making payments on my Capital One account from my bank account for approximately a year. Every now and then they do n't make my payment available in my my credit limit and they put a hold on my payment, even though it has cleared the bank. The randomness of this is frustrating. My last payment they once again put on hold, my wife, an authorized user, was informed when she called in to see why payment was not reflected in our available credit. Several days later she called in to check the balance and available credit and was directed to the fraud department. They indicated that they have put a restriction on my account because they need to verify that the bank we have been making payments out of for over a year, belongs to one of us. WHAT? They told my wike that I needed to call and get on the phone with them and my bank. While this sounds simple enough, my problem with this is how these credit card companies can get away with accusing us of fraud and keeping my payment on hold when the funds have already cleared my bank. The fact that they are treating us like we have done something wrong when we have been making payments on time out of the same account for over a year is not right. I have not called them because it is a matter of principal and I feel like they are using delay tactics and harassing us for no good reason. I would like them to release the hold on my account and to stop finding reasons to delay my funds.
Product: Credit reporting or other personal consumer reports

These inquiries are unauthorized and are not related to any transaction by me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act These Accounts ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US DEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX credit limit XXXX XXXX XXXX XXXXXXXX credit limit XXXX XXXX XXXXXXXX XXXX credit limit XXXX XXXX XXXX XXXX credit limiXXXX XXXX XXXX XXXX XXXX credit limit XXXX XXXX XXXXXXXX  XXXX XXXX XXXX XXXX XXXXXXXX credit limit XXXX XXXX XXXX XXXX  XXXX XXXX credit limit XXXX XXXX XXXX XXXX XXXX XXXX credit limit XXXX XXXX XXXX XXXX XXXX XXXX credit limit XXXX XXXX XXXX  credit limit XXXX have 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 an account without my written instructions In addition, after reviewing my full credit report, all of the accounts listed above have wildly inconsistent " DATE OF LAST PAYMENT '', " DATE LAST REPORTED '' & " DATE LAST ACTIVE '' information.
Product: Vehicle loan or lease

This is our third complaint now against GM Financial because they're still not addressing the issue, and their second response is literally the same letter as the first. After they tricked us into repossessing it, they now won't let us make payments on it. We've been calling all summer trying to get something worked out so that we can continue making our scheduled payments. Every person we talk to says we have make payments by phone, but the phone payment system says we're not eligible. Every option they have said is available to us, they find a way to block it. We mailed a payment in, they said they never received it even though tracking shows delivered at their address. When we try to get something finalized with them on the phones because the phone option doesn't work, we get placed on hold for 1+ hours and/or they " accidently '' drop our calls. We get talked to like trash by everyone we talked to. All we want to do is make our payments and they're not letting us.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to file my taxes and I was told by my consultant that my social security had been used already from someone else and that I needed to act. I pulled my credit report and there are many fraudulent accounts that do that belong to me. Please remove these fraudulent accounts from my report. 
XXXX {$2800.00} XXXX {$8800.00} XXXX {$1200.00} XXXX {$520.00} XXXX {$3800.00} XXXX {$19000.00} XXXX {$3500.00} XXXX {$0.00} XXXX {$620.00} XXXX {$2300.00} XXXX {$4000.00} XXXX {$4000.00} XXXX {$2000.00}
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 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 an account without my written instructions
Product: Debt collection

I have had more than one agent from this company call me with a rude tone concerning the debt. I told the first agent that called that I did not owe the debt and would like to dispute the debt. He told me that I had to do the dispute on my own. I informed him that I would call my lawyer concerning the matter. He told me that I should n't waste my money and learn to pay my bills. I told him that was n't his concern. He stated that if I had enough money for a lawyer, I should pay them. Then he hung up the on me. I called back and spoke to XXXX different supervisors who told me the same thing and also hung up on me. I called back a 4th time and was told not to call back. About a week ago, I received another call from the company. This Representative told me that he would cause my credit score to go down XXXX points if i did not give him {$440.00} to restore the service or {$800.00} to cancel the debt. I told this agent that I wanted to dispute the claim and their agency has been very rude. He again hung up on me. I called back to speak to a supervisor. I explained to him all of the problems that I had in the past with this debt. He said well it sounds like you just do n't want to pay the debt. He then hung up on me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid my student loan off in XXXX, with XXXX college. The credit report never had XXXX college on it until I stated what college I attend now all of a sudden I owe them to. XXXX  college is a closed school due to fraudulent loan accounts. Its other schools on my report that I have no idea of and never attended, also theres a energy bill that is part of the identity theft case in XXXX I have tried to explain it but no one listens. Its address that I never lived at on my report, its a last name that is not mines attached to my first name. I have tried for years to despite the errors but they are forcing me to accept them. Please stop racism together we have had enough
Product: Credit card or prepaid card

I just received an email stating that my credit was changed to my experience credit report so when I logged into my account it say something about a discover or XXXX credit card now look I worked hard to get my credit where its at I know XXXX well I didnt try to open an account now my XXXX XXXX is going to change because somebody wants to be a thief and use my information this needs to stop and stop fast because its people like me that came from the struggle started to make my way up to the top then for somebody to prey on you like this Im tryna buy a house not stay in debt I been in debt majority of my life please help me figure this out please I dont want to go backwards
Product: Mortgage

This company has been servicing my mortgage for seven months ( because it keeps being sold ). Today, XX/XX/XXXX, I get a letter telling me Im being transferred to another company and they will no longer accept payments after XX/XX/XXXX. I am very aware of the 60 day grace period. However, I have insurance and taxes due very shortly. The new company has not received any information yet. RoundPoint dated this letter XX/XX/XXXX, which still is not enough time for notification. You can not treat customers this way, especially customers that never asked for Roundpoints services. Seven months and they send me a letter days before my mortgage and insurance are due. I am very glad to be rid of this junior league mortgage service company. Obviously they are incapable of emails. This announcement isnt even on my statement nor online. Therefore they should be accountable for any missed, lost or late escrow payables as well as any potentially late mortgage payments. They are beyond inferior.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 6, 30 day late payments on my credit report. XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX ALL of 2021, I have sent 15 USC 1605- Determination of finance charge, 15 USC 1666b- Timing of payments 15 USC 1681 b- Permissible purpose, 15 USC 1681 a ( 2 ) ( B ) Exclusion from consumer reports. With no remedy., They told me they are having difficulty identify me.
Product: Debt collection

i received an email from a corporation, SPIRE RECOVERY SOLUTIONS LLC with a letter enclosed dated XX/XX/2023 in an attempt to collect an alleged debt in the amount of {$4500.00}. i refuse to pay. SPIRE RECOVERY SOLUTIONS LLC shall not communicate with me in any attempt to collect a debt -- that's directly or indirectly. Indirect communication includes reporting on any of my consumer credit reports. Within 10 days of receipt of this complaint, i am demanding that SPIRE RECOVERY SOLUTIONS LLC sends me the arbitration clause of the company where SPIRE RECOVERY SOLUTIONS LLC received my information. i feel very afraid of this PERSON, SPIRE RECOVERY SOLUTIONS LLC for having my personal information that was not given to SPIRE RECOVERY SOLUTIONS LLC by me. Immediately remove this alleged debt from my consumer profile, if listed. As well, the only communication SPIRE RECOVERY SOLUTIONS LLC is to have with me is that to let me know SPIRE RECOVERY SOLUTIONS LLC is no longer pursuing collecting this alleged debt and promptly send to me ( via the CFPB portal and regular US POSTAL mail ) a copy of the PERSON or PERSONS where SPIRE RECOVERY SOLUTIONS LLC obtained my personal information and the PERSON 'S or CORPORATION 's arbitration agreement or arbitration clause, and send me any personal information of mine that SPIRE RECOVERY SOLUTIONS LLC has within 10 days of receipt of this complaint. SPIRE RECOVERY SOLUTIONS LLC is forbidden to use any information to collect an alleged debt nor sell or transfer of any information SPIRE RECOVERY SOLUTIONS LLC has obtained of mine or any information that SPIRE RECOVERY SOLUTIONS LLC will obtain of mine.
Product: Checking or savings account

I made a deposit to my personal checking account in the amount of {$6000.00} from XXXX XXXX XXXX XXXX, Bank of America placed my funds on hold and I was told by a Bank of America representative the funds will be available on XX/XX/. The funds were not available on the XXXX, I called them on the XXXX and was then told it will be available on the XXXX of XXXX, the funds are still not available as of today XX/XX/XXXX, I called them again and wad told by another representative that the funds will be available on the XXXX, I wad not happy to hear that. I was then transferred to a manager who told me that the funds are on hold and he doesn't know when it will be available. Now that's 3 different representative with 3 different answers. I have my mortgage to pay and if I don't pay it I will incur late fees
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 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 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 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, credit repair services, or other personal consumer reports

There was a check fraud of unauthorized transaction of XXXX dollars Transaction occurred on XX/XX/2020. 

I noticed it on my account about a week after it happened.. 

I have notified my bank, Schools First Credit Union, within 14 days. ( this number is accurate, as I remember notifying before 14 days. 

They told me I have to fill out a check fraud report unless I don't get cover this money .... 

Due to heavy volume schedule at work, I didn't find the time to visit the bank.. 

They told me I can't get my XXXX dollars because I came in too late ... 

I have reported the fraud within less than 14 days after it happened ... 

Not even near the 60 days of not reporting of this case ... 

Could you please help me with this case.
Product: Debt collection

After being contacted in writing by Convergent Outsourcing, Inc. on XX/XX/, and made aware of an alleged debt, I contacted XXXX regarding this account. I paid {$830.00} directly to XXXX on XX/XX/XXXX and received a confirmation number of XXXX for my payment. I am requesting that XXXX delete the tradelines on my credit report because I have paid the original creditor and they have no permissible purpose by law to report on my credit.
Product: Debt collection

Lvnv multiple amounts listed with different dates. XX/XX/year> with a {$XXXX} balance XX/XX/year> with a {$XXXX} balance and XX/XX/year> with a {$XXXX} balance since I have requested proof of debt with required signatures that they were allowed to purchase my debt from another company, which I have no knowledge of that debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and deletion due to inaccurate reporting in my file. 
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 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: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding XXXX handling of disputes, particularly in light of 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. They informed me that recovering lost funds was impossible and that tracking these transactions was infeasible. 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 fraud and scams. This la lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX XXXX, Equifax XXXX and XXXX : XXXX XXXX XXXX, XXXX XXXX TX XXXX : XXXX XXXX XXXX, XXXX XXXX GA XXXX : XXXX XXXX XXXX, XXXX XXXX PA XXXX Subject : Dispute of Incorrect Student Loan Reporting Under FCRA & XXXX To Whom It May Concern, I am writing to formally dispute the inaccurate information on my credit report regarding a student loan account that has been incorrectly reported as late/missed/placed in collections. According to my records, all my student loans were in good standing and were paused due to the federal student loan forbearance program implemented under the XXXX Administrations relief measures. 

Account Details : XXXX XXXX Name : XXXX of XXXX Account XXXX : XXXX Type of Loan : [ Federal Student Loan / Private Student Loan ] Date of Reported Late Payment : XX/XX/XXXX Legal Violations : Violation of the Higher Education Act ( HEA ) 20 U.S.C. 1087e ( f ) : This law states that federally paused student loans should not have been reported as late or delinquent during the forbearance period. 

If my loan was covered under this program, then any negative report is a clear violation of federal protections and must be removed immediately. 

Violation of the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681s-2 ( a ) : Loan servicers and credit bureaus are required to report only accurate and verifiable information. 

Because my loan was paused under federal relief, any late payment reporting is factually incorrect and must be corrected or deleted. 

Failure to Conduct Proper Investigation 15 U.S.C. 1681i ( a ) ( 5 ) : If the information can not be verified, it must be removed from my credit report. 

Requested Resolution : Given the federal laws protecting my student loan from improper reporting, I demand the following actions : Immediate deletion of the incorrect late payment or derogatory account information from my credit report. 

Written confirmation that the disputed account has been corrected or removed. 

Reissuance of my corrected credit report showing the removal of the negative mark. 

Supporting Documents Enclosed : Copy of my credit report with the incorrect account highlighted Copy of any loan statements or correspondence proving my loan was in forbearance Copy of XXXX XXXX loan pause policy for reference Please consider this letter as a formal dispute under the FCRA. I expect a response within 30 days, as required by law. Failure to correct this inaccurate reporting may result in me filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and/or legal action for damages caused by this erroneous report. 

Thank you for your prompt attention to this matter. Please provide a written response confirming the resolution. 

Sincerely, XXXX XXXX XXXX
Product: Debt collection

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report : XXXX Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion Credit Report showed on my records that I have 30 days past due with XXXX  store in XXXX  2018. I opened dispute. They completed it and it still shows 30 days. I made payment in XXXX  XXXX   . But it says on my records  30 day past due in XXXX. And it brang down my credit score
Product: Credit card or prepaid card

I received a prepaid debit card from KeyBank/XXXX XXXXn the mail today. I did not apply for unemployment. I have been retired since 2006. It appears that someone filed for this in my name. 

I want the card canceled, and written proof of that action. 

I attempted to contact both the XXXX and KeyBank and was stepped through telephone prompts in a circle at both agencies. 

Please assist in getting this rectified. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

I had a loan with Westlake Financial that was paid off at the end of 2016 when I refinanced my home and paid off all my debt. Westlake paid the loan but reported the title company that sent the check to the DMV in California as the new lien holder. The title was never cleared for me and nothing was ever sent to me. I called Westlake to help and they have refused to correct the matter. My title company even got involved to ask if they will correct it and they hung up on us. All of these calls are most likely recorded and should be there for review. The DMV said the title company could write a letter explaining what happened and we did but I am still unable to get the clean title. I have no way of doing anything with my car because of this and the company that caused the problem is refusing to fix it.