23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Any information that is NOT PHYSICALLY PROVEN to be COMPLIANT to every and one even each any and or all of the client 's State 's and or the federal reporting laws MUST be returned to compliance even should that requisite annulment of item 's reporting. No entity is with authority to retain or report any allegations not DEMONSTRATED by certificate of FACT to be fully TRUE, CORRECT, COMPLETE, Timely, or a determined OWNERSHIP, and or of a determined RESPONSIBILITY and the presentation of the informational evidence MUST BE IRREFUTABLE to be so. Delete the following accounts XXXX XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX , XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX , XXXX XXXX   XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX , XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX , XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX, XXXX XXXX   XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX , XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX XXXX, XXXX   XXXX, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have noticed that I have a hard credit inquire from your company on my XXXX XXXX and XXXX XXXX  credit file that I did not authorize to acquire. As you probably know, Credit Reporting Agencies treat inquiries as a statement of fact and will not allow a consumer to dispute them. Since it is against federal law ( Fair Credit Reporting Act15 USC & 1681n ( a ) ( 1 ) ( B ) for an entity to view a customers credit report without a permissible purpose, I am writing to inquire as to your alleged purpose for doing so since I did not apply or request credit from your organization. Based on the evidence in my possession, this inquiry was performed under false pretenses as described in the understandable language of the law. 15 USC & 1681n ( a ) ( 1 ) ( B ) states, in part, in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer because of the failure or {$1000.00}, whichever is greater. I have filed a police report with the Sheriff 's Department XXXX XXXX XXXX on XX/XX/XXXXwith a report number # XXXX   for identity theft, Name and unit of Reporting Deputy XXXX XXXX XXXX XXXX. This is informing you that this was a fraudulent application and I did not authorize your company to pull my report. I do hope that we can settle this matter amicably. Please remove this hard inquiry from my credit report upon receipt of this letter to avoid further damage to my credit. Your immediate attention is appreciated regarding this matter. Please contact me if you have any questions. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX   Email : XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX are reporting an incorrect coding of the XXXX XXXX partial account number XXXX. This account is being coded as an XXXX when actually this needs to be coded as an XXXX. ( Please see pages 6 and 7 of the attached credit report. ) This account reflects a {$0.00} balance and {$0.00} past due. This incorrect coding is harming my credit score and is a violation of the Fair Credit Reporting Act. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX this company is still reporting inaccurate and incomplete information on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX  this company is still reporting inaccurate and incomplete information on my credit report. 

XXXX XXXX XXXX XXXX  this company is still reporting inaccurate and incomplete information on my credit report. This company may also be a closed company and this account is possibly older than 7 years old. 

These accounts are negatively affecting my credit score.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's 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 recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's 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 and the future of our protection as a whole
Product: Credit card or prepaid card

My husband purchased a {$300.00} XXXX gift card for me as a gift from XXXXXXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX, XXXX, TN ) on XX/XX/XXXX and received an Activation Status Receipt with an authorization approval along with the gift card. The gift card packaging was unopened and intact. I attempted to activate the gift card online at prepaidgiftbalance.com on XX/XX/XXXX and received an error message ( Prepaid Gift Balance is a part of US Bank Gift Card which is a part of FSV Payment Systems ). I called the XXXX # on the card and was routed to a Customer Service Rep. I was informed the gift card had been deactivated because there was attempted activity on the card in XX/XX/XXXX and it was sold and loaded with funds in XX/XX/XXXX. This indicated fraudulent activity to them and thus the deactivation. I was told they would look into my issue but contact the store where it was purchased since the problem happened there. I faxed the requested info to prepaidfigtbalance.com to start the " investigation '' and followed up a day later to verify they received the fax. They told me it would take 5 days to verify they received my fax. If they didn't receive it to fax it again and wait another 5 days for verification. They don't have an email to send documentation. They will not let you talk to a supervisor or escalate the issue. 

I contacted XXXX Customer Support on XX/XX/XXXX and they were unwilling to assist me. I went to the local XXXX store where the card was purchased on XX/XX/XXXX and was told by the Store Manager they are unable to assist me and have no responsibility whatsoever. I asked for their assistance in resolving this with Prepaidgiftbalance.com and they refused. However, this is not an isolated incident at this particular store. The clerk working Customer Service at the store said that a customer had come in the previous day with the same issue. Yet XXXX continues to sell these fraudulent cards even though they are aware there are issues.
Product: Credit card or prepaid card

To whom it may concern, Since XXXX of last year ( XXXX ) I call Bank of America ( BOA ) and filed a dispute on fraudulent charges on my XXXX XXXX ( XXXX ) credit card. At the same time I was issued a new credit card, in which i never received a replacement card. After telling BOA that the card was never received, they went ahead and sent a 3rd credit card. I was told the dispute will be resolved in probably 3 days. Then my monthly bill came in with the same disputed charges plus late fees and interest charges. Thru months of communication dispute remains unsolved, and i refuse to pay minimum monthly payments at their request as i didn't have a previous balance on this credit card. So now it's beginning of XX/XX/XXXX they sent me a letter stating my claim all has been resolved and I don't have to do anything on my part and I will see the credit on my monthly statement. this is after i filed a police report due to other passed letters received stating all charges were legitimate. Now its XXXX I received my monthly statement stating I still owe all charges plus late & interest charges. My credit score is now compromised, unfortunately I still refuse to pay. I put the blame to BOA cause of their poorly internal communication among themselves. I highly recommend to others to cut ties with this bank, they are unreliable to consumers needs.
Product: Credit reporting or other personal consumer reports

15 U.S. Code 1692c ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt ( 1 ) at any unusual time or place or a time or place known or which should be known to be inconvenient to the consumer. In the absence of knowledge of circumstances to the contrary, a debt collector shall assume that the convenient time for communicating with a consumer is after 8 oclock antemeridian and before 9 oclock postmeridian, local time at the consumers location ; ( 2 ) if the debt collector knows the consumer is represented by an attorney with respect to such debt and has knowledge of, or can readily ascertain, such attorneys name and address, unless the attorney fails to respond within a reasonable period of time to a communication from the debt collector or unless the attorney consents to direct communication with the consumer; or ( 3 ) at the consumers place of employment if the debt collector knows or has reason to know that the consumers employer prohibits the consumer from receiving such communication.

( b ) Communication with third parties Except as provided in section 1692b of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a postjudgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector.
Product: Debt collection

I checked debt collector on this because this is what this company represents them selves as. I am writing ab out Select Portfolio Servicing LLC. I was given a payoff plan to payback an amount I owe in arrears on my mortgage by Select Portfolio Servicing. It is a plan of 12 payme nts of  XXXX  dollars with a balloon payment at the end of  XXXX .  <P/> On the  XX/XX/XXXX  they received a dispute letter from me as to the amount owed as well as a request for the breakdown of all the numbers. I wanted to be clear as to how they came to these amounts before I pay them.  <P/> I called today to check on it. The payment plan was to start on the  XX/XX/XXXX  with the first payment of  XXXX . I have not heard anything about my dispute letter or my request yet. The first thing they tell me is that my account has been referred to a lawyer. It 's not even past the expiration date of the agreement yet. So why are we referring things to a lawyer. Also I have n't gotten an answer as to my dispute on the debt yet and it 's almos t 30 bus iness days since the request.  <P/> This company seems very intent on foreclosing on me rather than working with me. I have much distrust in their accounting due to having dealt with them on this issue for over 8 years. I have many times requested that we do a Principle reduction on the amount owed but they tell me they ca n't. Companies like them received millions of dollars during the housing crisis to do exactly that and they refuse to help. Claiming the investors in the trust would not approve that kind of action. I am not even sure if they can legally collect on my trust seeing as though they give me no direct connections as to who makes the actual decisions. It 's all very shady.  <P/> 
I have also may times asked for them to send me a copy of   the  Pooling and Servicing ag reement that they have to service this loan, it is public record, they refuse to send me a copy.  <P/> So I would like to see the breakdown on this Agreement that they have sent me. I want to know how much goes to fees, what those fees are, how much goes to principle and what would be the remaining amount of the mortgage will be after this plan has been completed. I need all that in writing before I would even feel comfortable paying this.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified accounts indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the XXXX credit bureaus on XX/XX/2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I have a secured credit card through BB & T which is now truist. I got this to repair my credit. I haven't used it since XX/XX/2021 and when I did use it, I used it for only gas and therapy. Then suddenly I see in a text that I have a balance of XXXX and there were about 15 more transactions that got declined when I checked what it was about. I've called the bank several times and have gotten the run around each time telling me things will be resolved in 3-5 business days and that was XX/XX/XXXX and it is now XX/XX/XXXX. I still don't have a new card, still have a pending balance and each time I call I have to wait at least thirty minutes before I speak to someone. Either their systems are down or I have to be transferred to another department just to get hung up on or lied to telling me it's getting taken care of.
Product: Checking or savings account

Citibank continues to charge me overdraft fees after posting messages on their site that they will no longer be doing so. 

I try to keep a positive amount in my account, but Citibank can take days for charges to clear. If i miss, it will only be for a few hours and for less than {$10.00}. It happens once or twice a month. I will check the account, add up the pending charges, put money in, and yet somehow I go negative. 

At the same time, Citibank keeps posting this message on my account " Citibank ends overdraft fees '' while they clearly charge me {$35.00} every time it happens. When I call customer service, nobody seems to know about this policy.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a collections account reported on my credit report that should not be. According to the statute of limitations in the State of Texas, creditors can not report an account if the account is older than 4yrs. This particular account in the amount of {$1400.00} was closed back in XX/XX/2016and the creditor is just now try reporting. Creditors has the right to contact me directly to resolve, but they do not have to right to report on my credit report if account is older than 4yrs. old.
Product: Credit reporting or other personal consumer reports

This is regarding my XXXX credit report. I was recently denied for a refinance loan on XX/XX/XXXX ( a have a private mortgage ) from XXXX  XXXX  based my credit history report from XXXX. ( slow loan payments, bankruptcy, liens, judgments ) I don't have any of this. Also I'm trying to dispute one collection account on my credit report XXXX account was opened on XX/XX/XXXX. I have proof from my bank statements. Account was transferred to calvary portfolio is being reported as opened XX/XX/XXXX XXXX website is not allowing me to dispute because of article 611. my credit score reported by XXXX was XXXX .I have a recent copy of my credit report it shows XXXX? I tried contacting XXXX to discuss the issue but I'm unable to connect to a live agent. I tried XXXX different tel numbers .The website experian.com/ help. Doesn't allow me to file a dispute .I also have another account that was dismissed in court by a judge on XX/XX/XXXX. ( XXXX XXXX XXXX account was transferred to XXXX XXXX XXXX ) I mailed the court stipulation to XXXX via certified mail.and filed a dispute but still is showing as a charged off account on my credit report.with a balance of {$10000.00} also XXXX is reporting XXXX of my accounts that where opened in XXXX as recent negative accounts.this is causing me a hardship because I live with a XXXX son and I need this loan to secure housing.this are the tel # 's. I tried for XXXX. ( I couldn't connect to a live representative ) XXXX. / XXXX there is no way to communicate my issues with XXXX.
Product: Debt collection

HELLO, MYNAME IS XXXX XXXX AND I AM A VICTIM OF ID THEFT. SOMEONE USED MY PERSONAL INFORMATION TO OPEN OBTAIN A LEASE IN MY NAME FROM THE FUSE AT XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Please remove the account XXXX from collection agency XXXX XXXX XXXX  from my credit report. I sent a letter to the collection agency XX/XX/2023, and they have failed to validate this account. Furthermore, I am on a payment plan with the original creditor XXXX XXXX so I am confused as to why this collection agency is claiming that I owe them anything. The balance reported is not the same balance that I have with XXXX XXXX. Lastly, Equifax is the only credit bureau reporting this inaccurate information. I informed Equifax of this error in a dispute letter, and via CFPB in complaint XXXX that they were reporting inaccurate information. They failed to remove this account and they also failed to notate that this account was in a dispute on my credit report which is a violation of the FCRA. At this time, I am only asking for the removal of the account above. Should you continue in your non-compliance, the law is very clear as to the civil liability and the remedy available to me for negligent non-compliance. I am maintaining a careful record of my communications with you for the purpose of filing a complaint seeking relief and monetary damages under FCRA Sections 616 and 617.
Product: Credit reporting

TRANSUNION is reporting XXXX debts that are not mine XXXX and XXXX the bill seems to originate from XXXX. the bill is from an address I have never lived at. I requested TransUnion and the above Debt buyers validate the account but my request was ignored.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these inquiries. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries : XXXX  || Date of inquiry : XX/XX/XXXX XXXX. XXXX XXXX  || Date of inquiry : XX/XX/XXXX XXXX. XXXX XXXX || Date of inquiry : XX/XX/XXXX XXXX. XXXX XXXX || Date of inquiry : XX/XX/XXXX
Product: Credit card

This is fraud transaction on my credit card on XXXX/XXXX/XXXX {$180.00}, I disputed that transaction XXXX company resolved the issue. Party refunded our money XXXX {$180.00} and at same time credit card company give us temporary credit {$180.00} on XX/XX/XXXX. After that credit card company adjusted ammount {$180.00} Twice on XX/XX/XXXX. I call credit card company about this transaction but they do not resolved my issue and said this is correct. I explain in detail that your entry twice is wrong you have to adjusted only one time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Equifax and disputed this false account with Equifax several times and this account is still on my credit report. Equifax is reporting I opened an account with XXXX XXXX ( which we all know is a junk buying/old scam company ). I never signed any agreements with this account. XXXX XXXX has created fake documents to include a fake account number and a fake balance. I would like for this account to be removed from my credit report asap Equifax.
Product: Credit reporting, credit repair services, or other personal consumer reports

*****EQUIFAX HAS " NOT BEEN ABLE TO PULL MY REPORT FOR DETAILS DUE TO NO REPORT BEING FOUND '' for a year now!! Before you deny/close out the claim due to YOUR error with recieveing my none frozen or restricted account be sure it is in the XXXX and my name and other info IS CORRECT*****I have spoken to a lawyer and the next violation or careless error on your end or the CFPBs will be cause for MOTION TO FILE SUIT!!! 
This company has taken more than 60 days to mail me my proof of signature and agreement between me and the listed companies which is clearly against the law. Most of the Inquiries are within 1 day of eachother and or I have no knowledge of a HARD pull as stated In my initial dispute. PLUS I'm entitled to the methods used to speak with the company to validate the info by you..ie name of person spoken with # /department time etc. 
REGULATIONS/LAWS BROKEN : 15 U.S.C. 1681n ( a ) Damages/Defamation of character/ Negligents 1.Civil liability damages violation for {$1000.00} pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ] obtaining my CREDIT BUREAU consumer report without my permission : Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ). Chester v. Purvis, 260 F. Supp 2d 711 ( S.D. Ind. 2003 )
Product: Mortgage

Several years ago my mortgage was serviced by BSI - somehow they recorded the WRONG parcel number when paying the real estate taxes on the property for a number of years. Subsequently BSI transferred the servicing of the mortgage to XXXX XXXX and communicated the erroneous parcel number to XXXX in the transfer. XXXX continued to use the money in my escrow account to pay taxes BUT not on my property. Subsequently, I was notified that due to NONPAYMENT the District of Columbia had sold my home due to delinquent taxes! In a conference call between myself, XXXX and DC the shortage was identified and XXXX paid the outstanding balance owed. XXXX is now billing me for the amount of the shortage which BSI withheld in my escrow account and paid for some other parcel. This is exactly what BSI was charged with in the settlement negotiated and finalized in XX/XX/2019. How do I get my money back from the XXXX at BSI?