23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I answered my cell phone and was asked if this was XXXX ******, XXXX ********* or XXXX ***********. Clearly he had something with all names maiden or married. I asked what it was regarding. I was told that they have a debt in my name-not sure what one and that it was going to court. He said that it was for XXXX dollars but I could pay XXXX to make it good. I asked him to verify what it was and the name on it. He began calling me names such as a dirt bag, scum bag, leech who buys things and doesn't pay for them. What was scary is that he must have had my credit report as he told me all my current liabilities. I hung up on him. I was extremely upset. He just yelled and yelled at me, calling me names and using obscenities. I waited a few minutes and called the number and requested to speak with someone else regarding this. it is upsetting to me that someone has my information, wont verify it and I currently have XXXX due to tampering. when I called back, they transferred me to him. He began his tirade again calling me worthless with nothing better to do than call him. He stated maybe I should get a job and be less of a scumbag. I wanted verification of any debt as I have been tampered with. He continued his obscene tirade until I hung up. This company is named ARA and the phone number is XXXX. It seems to be from XXXX, IL
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : 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$510.00} XXXX XXXX & XXXX XXXX {$320.00} XXXXXXXX XXXX XXXX XXXX  {$280.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting or other personal consumer reports

Subject : Complaint Against Equifax for Violation of Fair Credit Reporting Act Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Equifax for its failure to properly investigate and remove inaccurate account information from my credit report in violation of the Fair Credit Reporting Act ( 15 USC 611 ). 
Account Information : Creditor Name : XXXXXXXX XXXX Account Number : XXXX Amount : {$18000.00} I previously submitted a dispute to [ Equifax ] regarding the inaccuracies in the above-referenced account. Despite providing evidence supporting the inaccuracies and requesting its removal from my credit report, Equifax failed to conduct a thorough investigation and the disputed account remains on my credit report. 
As a consumer protected under the Fair Credit Reporting Act, I have the right to request the removal of inaccurate or outdated information from my credit report. Equifax failure to comply with this law is a violation of my consumer rights and has caused me financial harm and distress. 
I respectfully request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action against Equifax for its non-compliance with the Fair Credit Reporting Act. I am seeking the immediate removal of the inaccurate account information from my credit report and appropriate measures to ensure that Equifax upholds its obligations under the law. 
Thank you for your attention to this matter. I look forward to a prompt resolution and your assistance in rectifying this issue. 
Sincerely, XXXX XXXX XXXX XXXX
Product: Debt collection

On XXXX XXXX at XXXX XXXX  after an hour long vall this collection agency mcm midland credit agreed to take half of the amount owed after threating to sue me and attach my pay with a judgment. 

they informed me after payment posted that day the would notify the credit bureaus debt paid in full. 

i authorized {$1700.00} withdrawl and they have collected it and are now saying the need time to close account, keep sending me emails stating i owe the account and still are reporting the debt to the credit bureaus as owed in full. Also now they say 30 to 45 to close account and update the credit bureau. This company has been deceptive and using unfair business pratices. 
I lost my home last year and fell behind but have paid this debt and its unfair every day this in on my credit that im trying to rebuild they are causing me harm.
Product: Credit reporting or other personal consumer reports

The Consumer Financial Protection Bureau ( CFPB ) has already documented XXXX repeated failures to properly investigate consumer disputes, leading to legal action for violations of the FCRA. This repeated pattern of noncompliance is unacceptable, and I will not allow my credit profile to be a casualty of XXXX negligence. 

Federal law ( 15 U.S.C. 1681i ) mandates that XXXX conduct a thorough and legitimate reinvestigation of any disputed information within 30 days. Any item that can not be 100 % verified with legitimate documentation must be deleted immediately. I demand immediate corrective action, as these inaccuracies are actively harming my financial standing. Continued noncompliance and any further delay in addressing these issues will not go unnoticed.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original creditor I have no idea why this is on my account! We like have this removed and a letter in writing. 

XXXX XXXX  Last reported XX/XX/2022 {$750.00} Open balance XXXX XXXX XXXX Original creditor XXXX XXXX XXXX Last reported XX/XX/2022 {$440.00} Open balance PORTFOLIO RECOVERY Last reported XX/XX/2022 {$1500.00} Open balance XXXX XXXX XXXX  Original creditor I would like to have all of these disputed!
Product: Credit reporting, credit repair services, or other personal consumer reports

Reviewed my credit reort on XX/XX/XXXX. Found XXXX XXXX XXXX had listed me delinquent for 2 months, never heard from them prior. On XX/XX/XXXX at XXXX called and spoke to XXXX XXXX to ask questions about information. They wanted my current address, I told them no they had my info from credit reporting agency. Was told I had to talk to dispute resolution and got transferred. At XXXX to XXXX XXXX who immediately when told what I was inquiring about advised me I had wrong department, gave me reference number XXXX. Transferred me to XXXX XXXX ( XXXX ) who transferred me to XXXX XXXX ( XXXX ). I asked for details and was told they could not give to me and I would have to write to -ERC XXXX XXXX XXXX XXXX Fl XXXX to get information. I said I would, then XXXX said I had to give her most recent mailing address or they would not respond. I had a XXXX XXXX account several years ago, returned equipment ( shows XX/XX/XXXX returned, but I know it was before then ) and after fighting about return, they listed me as delinquent on credit history. That finally went off my credit report. Now XXXX XXXX appears showing 2 months delinquent and today is first time I spoke to them or had heard from them. They should have to supply a detailed bill of what {$570.00} entails and since no prior business contact with me, I want them removed from my credit report immediately. Is it legal for XXXX XXXX to give my personal info ; including social security number to someone I have no business contact with?
Product: Checking or savings account

I am filing a complaint with the CFPB regarding Capital Ones failure to deposit my direct deposit from my employer and any other incoming deposits. Capital One has cited technical issues, which may violate the Electronic Funds Transfer Act ( EETA ) as it requires timely access to funds. This situation raises concerns about consumer protection laws, and I request your assistance in investigating this matter to ensure my rights are upheld. Thank you.
Product: Credit reporting or other personal consumer reports

THIS HAS BEEN AN ONGOING ISSUE FOR MONTHS. THE 2 ACCOUNTS THAT I AM DISPUTING ARE A RESULT DUE TO IDENTITY THEFT/FRAUD AND I DID NOT AUTHORIZE THEM. PER 15 USC 1681B YOU ALL ARE BREAKING THE LAW, FURNISHING INFORMATION THAT DOES NOOT BELONG TO ME. I DID NOT GIVE XXXX  ALL XXXX  TO FURNISH ANYTHING. LET ALONE WRONG AND FALSE INFORMATION AT THAT! I WILL GIVE YOU ONE MORE CHANCE TO GET IT RIGHT BEFORE I REPORT YOU ALL TO XXXX XXXX XXXX XXXX AND ATTORNEY 'S GENERAL.
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Checking or savings account

I HAVE A CHECKING ACCOUNTS WITH NAVY FEDERAL CREDIT UNION FOR OVER 3 - 4 YEARS. ON XX/XX/2021. I TRIED TO USE MY ATM CARD AND IT DID NOT GO THROUGH. I REACHED OUT TO THE BANK RIGHT AWAY BECAUSE I WAS HAVING A BALANCE OF {$1600.00}. THEY TOLD ME THAT THEY HAVE BLOCKED MY ACCOUNT DUE TO A FRUD THEY HAVE NOTICED ON IT, AND SHOULD HAVE TO WAIT FOR A COUPLE OF DAYS FOR THEIR INVESTIGATION BEFORE I COULD WITHDRAW OR DEPOSIT. I WAITED FOR XXXX WEEKS AND CONTACT THEM AGAIN FOR I WAS GETTING READY TO TRAVEL TO XXXX HAVE ISSUED SOME CHECKS FOR MY CAR NOTE AND ALSO SOME OTHER BILLS. ALL WAS IN VAIN AND HAVE TO PAY A LATE PAYMENTS AND ALSO ADITIONAL FEES ON ALL THE RETURN CHECKS. SINCE THEN, ALL THE ATEMPTS I HAVE MADE HAVE PRODUCE NOTHING. LATER I CALLED THEM AND THEY TOLD ME THAT WHAT THEY HAVE DONE ON THE ACCOUNT WAS PERMENANT, MEANING I CAN NOT GET MY MONEY OR DEPOSIT ANY MONEY INTO THE ACCOUNT, AND ALSO THREATINING ME TO PAY AN AMOUNT OF {$1500.00} TO THE BANK IN ADDITION TO MY OWN MONEY DEPOSITED IN MY ACCOUNT. THIS HAVE PUT ME INTO FINANCIAL DISTRESS BECAUSE OF THE PENDAMIC AND NEEDED HELP TO RESOLVE IT FOR ME TO GET MY MONEY AND IF POSSIBLE A REWARD TOWARDS THE EXTRA EXPENSES THAT HAS BEEN MADE TOWARDS THE RETURNED CHECKS AND THE LATE PAYMENTS. I CAN BE REACHED ON XXXX OR XXXX. THANK YOU.
Product: Checking or savings account

I utilized XXXX  on several occasions The bank did not protect my funds from being sent to the wrong person
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Transunion was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Per Fair Credit Reporting Act Section 605B, which states that the credit bureaus are required to remove/block any account which was opened without my knowledge, consent or authority within 4 business days. The following accounts listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : BANK XXXX XXXX # XXXX DATE OPENED XX/XX/XXXX - BALANCE {$3200.00} Account Name : XXXX OF XXXX # XXXX Opened XX/XX/XXXX - BALANCE {$3700.00} Account Name : XXXX XXXX XXXX  XXXX XXXX DATE OPENED XX/XX/XXXX - {$12000.00} Unauthorized Inquiries : XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Payday loan, title loan, or personal loan

I received a late fee that was supposed to be waived for XXXX and they added another late fee on top of the late fee that was supposed to be adjusted and now they are reporting late to the credit bureau. I also faxed a dispute form for the late fee to be reviewed and adjusted that they have not acknowledged. I 've attempted to talk to them and they refuse to assist and make harassing phone calls to the point I canceled the card. due to they refuse to assist. I 've always paid on time and Im still making payment for the monthly amount due.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX # XXXX
Product: Mortgage

Wells Fargo 's practice is false and misleading. On XX/XX/2022, I received an email that stated that we were clear to close on XX/XX/2022 at XXXX in XXXX MA XXXX I received a phone call from the loan originator, XXXX on Monday XX/XX/2022 at XXXX, less than XXXX hours before the closing. She stated that the loan will not be released because of the information provided HOA form. My attorney, XXXX XXXX XXXX proved that the provided information was false. Wells Fargo suggested that I reapply with the understanding that the HOA would be properly completed. The problem this time around was that she said that Wells Fargo declined the loan because the fees were too high given the loan amount. 
However, she also mentioned the poor condition of the roof which has nothing to do with my credit or ability to repay the loan. There were no legitimate reason/s to decline the loan. It should be known that multiple mortgages were released within the same condominium complex. My attorney and I pleaded to Wells Fargo in attempts to have them reconsider to no avail.
Product: Mortgage

Loan Flight Lending, Inc. Filed and complied with NUMEROUS paper requests. As loan got close to loan lock date loan application was just dropped by company with no follow up. Follow up through out process was extremely poor.
Product: Debt collection

Apartment complex has doubled the amount of damages owed after disputing the damages on the account. Then sent the doubled amount to collections with a fabricated bill to cover their accounting errors. 

Please read through all attached documentation. It has all the dates, emails, accounts, etc. All shown in chronological order.
Product: Checking or savings account

On this day XX/XX/year>, I called truest bank on today 's date to get a copy of the past six months of my banking statements instead of providing them the abrutly closing my account they refuse to give me bank statements on the account from XXXX 2024
Product: Debt collection

I received a phone call that said a debtor was on the way to the courthouse to file a judgement against me. I needed to call them back immediately at XXXX to prevent them from garnishing my wages and seizing my bank bank accounts. They would not give me any other information on the debt, company trying to sue me, or anything else except a case number I called the XXXX number and someone immediately picked up and asked for the case number. 
They stated they were XXXX XXXX and they had been assigned this case by the attorneys. 
I told them the case number and they said that the same information. 
That they would be filing a lawsuit in a couple hours if I didn't immediately settle the debt with them. 
I asked what the debt was. They stated that it was a account from over 15 years ago. I questioned the legitimacy of the account. They than said that they notified me by mail recently ( which i did not receive ). They than said they would send another letter to me. 

This was suspicious because of the previous call ( and this one ) saying they were on the way to file a lawsuit. 

They provided Two addresses in the letter I received from them today. 

XXXX XXXX XXXX XXXX # XXXX. XXXX CA XXXX This is a XXXX XXXX at a Mail and More store. and where they want payments or dispute forms sent. 

XXXX XXXX XXXX XXXX # XXXX. XXXX CA XXXX This is the US Post Office branch XXXX XXXX . 

The state corporation website does not have a listing for XXXX XXXX in XXXX CA. 
The city of XXXX also does not list XXXX XXXX as a business at either of those two locations. 

There is a company listed by the state called XXXX XXXX XXXX, XXXX. 
Entity number XXXX listed as XXXX XXXX. 

This company has XXXX XXXX XXXX XXXX XXXX XXXX listed as the Mailing address. 
( same as XXXX XXXX. ) XXXX XXXX XXXX, XXXX was involved in a lawsuit in NY XXXX District Court. 
case number XXXX. 

I have not contacted them again due o the fact that they gave me XXXX XXXX 's as a business address, The actual business name is in question, and might not even be currently licensed in the state of California, and primarily because the first contact from them was saying that they were on the way to the courthouse to file a lawsuit unless I settled with them over the phone for a old questionable debt.
Product: Mortgage

CASE # XXXX ( MORTGAGE LOAN # XXXX ). 
The response letter dated XXXX XXXX, 2015 from HSBC/XXXX XXXX did not address the problem raised by me. The form for " payoff '' claimed to be mailed XXXX/XXXX/15 by XXXX XXXX and also mailed by XXXX XXXX XX/XX/2015..none of those was ever received. XXXX XXXX, 2015 spoke with XXXX XXXX, who said she was awaiting the return of UNDELIVERED MAIL TO ME. Failure to provide copies of those XXXX pieces undelivered mail with notations by Postal Carrier on envelope citing reasons. 
Failure to also address XXXX XXXX questioning my ability, comparing me with others who may have failed to " payoff '' after receiving statement of high payoff amount. My response to her " why comparing me with others '' ..all of these conversations by phone 'recorded '' for records. She went beyond her bounds questioning my payoff abilities. 
I am claiming a refund of interest {$39.00} for HSBC/XXXX failure to promptly provide the " payoff '' info requested ... that took me XXXX different times ( XXXX by letter/note, XXXX by phone calls. 
XXXX XXXX XXXX 's XXXX XXXX, 2015 letter stated " late fees " in amount of {$42.00} assessed with transaction code # XXXX. Since establishing this HELOC, I was never late making payments.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX  was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( 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. XXXX XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports
Product: Bank account or service

I received a notice from Bank of America : " On XXXX XXXX, your checking account will change to a Bank of America Advantage with Tiered Interest Checking account ''. 

In the new account monthly maintenance fees can be avoided by : " Keep an average daily balance of {$5000.00} or more in your checking or linked Regular savings account '' BUT when I inquired to Bank of America where on their website or statement the average daily balance was shown, I was told that this information was not available, but I could calculate it. 

My complaint is that Bank of America has created a criteria to avoid a fee but does not make the information available to the customer.
Product: Student loan

Please see complaint XXXX, in this complaint you will see documentation from me explaining the federal student loan company Mohela has been charging fraudulent interest rate charges while my loan is in save forbearance which has a XXXX percent interest rate until resolved. You will see Mohela argues the current charges I have are from prior to the forbearance. Look at the balance on the paperwork I submitted weeks before their response and the balance they quote in their response. The balance is higher because they are fraudulently charging me interest during this interest rate forbearance. Please open that case back up.
Product: Money transfer, virtual currency, or money service

Im 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. They informed me there was no way to recover the lost funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

UNAUTHORIZED ACCOUNTS : 1XXXX XXXX XXXX XXXX  Account Number : XXXX 2. XXXX Account Number : XXXX 3. XXXX Account Number : XXXX 4. XXXX XXXX XXXX Account Number : XXXX 5. XXXX Account Number : XXXX 6. XXXX Account Number : XXXX 7. XXXX XXXX XXXX Account Number : XXXX 8. XXXX Account Number : XXXX 9. XXXX XXXX Account Number : XXXX 10. XXXX Account Number : 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