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

The List of Companies That Have Violated My Federally Protected Consumer Rights and confidentiality UNDER 15 USC 1681! 

In accordance with the Fair Credit Reporting Act, Account # 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 a account without my written instructions. My legal rights have been violated. 


In accordance with the Fair Credit Reporting Act, Account XXXX XXXXXXXX XXXX Account Number 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. My legal rights have been violated. 


In accordance with the Fair Credit Reporting Act, Account XXXX XXXX XXXX XXXX Account Number # 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. My legal rights have been violated. 

In accordance with the Fair Credit Reporting Act, Account #, XXXX XXXX Account Number 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. My legal rights have been violated. 

In accordance with the Fair Credit Reporting Act, Account #, XXXX XXXX XXXX Account Number 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. My legal rights have been violated. 

In accordance with the Fair Credit Reporting Act, Account #, XXXX XXXX XXXX Account Number 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. My legal rights have been violated. 


In accordance with the Fair Credit Reporting Act, Account XXXX XXXX CO 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. My legal rights have been violated. 


In accordance with the Fair Credit Reporting Act, Account 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 a account without my written instructions. My legal rights have been violated. 



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Product: Credit card

Placed an order XXXXnever received. The delivery date has changed 4 times. They have charged I interest on a balance that is not accurate I have not received the merchandise and it has been o er a month. I keep texting and asking where is the merchandise no response.
Product: Credit reporting or other personal consumer reports

I XXXX XXXX XXXX indicates that XXXX XXXX and Experian are reporting inaccurate and incorrect items on my credit account. 

After me successfully removing these items the 3 credit bureaus continue to add more incorrect items/accounts on my credit file which does not belong to me. 

I XXXX XXXX XXXX indicates that this problem has been occuring for the past 4 and plus years. I XXXX XXXX XXXX indicates that after me successfully disputing these items with 3 reporting agencies inaccurate items that the accounts somehow reappear and other incorrect items/ accounts are open in my name. 

I also state that the 3 reporting agencies make me wait again after I successfully disputed these items.

I ask that you Please reach out to me if you may have any questions or concerns in regards to Serious federal Consumer fraud I ask that you Please see attachment below please and Thank you, Thank you, Best and kind regards XXXX ( XXXX ) XXXX XXXX XXXX and subsidiary violated the FCRA by failing to remove inaccurate or incomplete eviction records from consumer reports, harming ability of people to obtain housing
Product: Debt collection

Daily Poryfolio Recovery calls me to harass me over a bill that is almost 10 years old Called XXXX  Gas Card I tried to pay once and they said it was purged so they gave me my money back That they would not sue me for the debt because the debt was so old, and yet they call me practically every day morning noon and night from random phone numbers and different states always on a recorded line to harass me over this Very Old purges Debt they gave me my money back!

Personally I feel the harassing me because when I tried to call and pay it again, They would only lower at 10 % Which I had another bill they lowered 60 % That I completely paid off called XXXX XXXX  I paid {$1500.00} for that one that was at {$2700.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS HAS NEGATIVELY AFFECTED MY CREDIT AND ABILITY TO MOVE AHEAD IN LIFE. XXXX COMPANIES THAT WERE INCLUDED ON A BANKRUPTCY, WHICH HAS BEEN DISCHARGED XXXX YEARS AGO IN FEDERAL COURT. 

AVANT PROSPER MARKETPLACE BOTH FIRMS HAVE CONTINUED TO REPORT THAT ACCOUNT IS ACTIVE WITH AN ACTIVE BALANVE AND IM MISSED PAYMENTS! 

BOTH COMPANIES WERE ON BANKRUPTCY AND WERE INFORMED BY MAIL BY MY ATTORNEY AND THE US FEDERAL COURT. 

I WANT TO SUE THEM. I HAVE CALLED BOTH COMPANIES IN THE PAST XXXX YEARS TO EXPLAIN WHAT THEY ARE DOING IS BREAKING THE LAW, AS FAR AS REPORTING ACTIVE ACCOUNTS AND ACTIVE BALANCES. I DONT CARE THEY REPORT BALANCE WAS DISCHARGED THATS OK. THIS HAS PREVENTED ME FROM GETTING THE PETSONAL AND BUSINESS CREDIT I DESPERATELY NEEDED AND NEED ESPECIALLY DURING COVID, WHICH CAUSED MY BUSINESS TO LOSE 75 % OF ITS VALUE IN THE PADT XXXX YEARS. 

HOW DO I PROCEED WITH LIABLE LAWSUITS?
Product: Checking or savings account

My funds were low in my account. I turned off my bank debit card on the Bank of the West App ( turning " off '' your debit card prevents charges from being made against the debit card. It is a feature of the Online Banking App ). I was not informed about a problem, nor was I given the opportunity to make things right with my bank before I was charged an obscene amount of punitive Fees. These fees are predatory in nature and even though I work for Bank of the West, this is not an ethical or lawful practice which is why I am reporting this to you. I also need the CFPB 's help recovering the fees that I'm being charged in the amount of {$160.00} In other words, I am asking for the CFPB 's help in getting a refund of these abhorrent fees from Bank of the West which are both punitive, predatory and inherently discriminatory. 

The Fees are broken down as follows : {$35.00}, {$30.00}, {$25.00}, {$35.00} and {$35.00} for a total of {$160.00}
Product: Credit card or prepaid card

They called saying I had a fraudulent charge on my card and commenced to asking information on the card and my account. They tried to set up a mobile card account on there phone but I was on the other line with my bank and had it blocked The number they used was XXXX XXXX XXXX XXXX and XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concern regarding Zelles handling of disputes, particularly in light of the CFPBs lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times, 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 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: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently submitted a request for investigation of a which you refused. I submitted enough information for you to carry out a reasonable investigation of my dispute, since you obviously did not investigate this account thoroughly enough the last time I submitted one. They have already verified one of these fraudulent accounts and has removed that account. They have stated when I have called them, that they have contacted your agency numerous times to have the other account removed to no avail, often noting unreasonable hold times to get through to the fraud department. XXXX  will also not allow me to do these disputes online. 

If you had investigated properly, rather than use your XXXX system, you would have known, that not only have ever been late on this account, but that I am not the owner of this account, though your company claims to have verified this. 

It is at this time that I will point out that in XXXX XXXX XXXX, XXXX v. XXXX ( XXXX  ),  and XXXX v. XXXX, Equifax, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form through the XXXX  system that does not even contain my reasons for the dispute is not reasonable. 

Additionally, the following accounts do not belong to me and have been removed by the other credit bureaus and deemed fraudulent : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  If you do not initiate an investigation regarding my dispute, as is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. As Im sure you are aware, each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter end up in court.
Product: Debt collection

This debt has been sold to multiple debt collectors in the past 5 years and had been removed from my credit report. It reappeared again and the agency is " re-aging '' the debt with false dates. I ask that this please be removed.
Product: Mortgage

I have a mortgage with XXXX XXXX. I had it set up to make automatic payments. XXXX, changed their processor to SLS ( Specialized loan servicing, XXXX ). I contacted this company when my normal payment was not withdrawn. The representative told me that I did not have to make a payment until XX/XX/XXXX. I told them I did not want to accrue interest until then with no payment. I then proceeded to call back as instructed to set up the automatic payments. When a couple of weeks later I received an email stating that the could not find my bank account. Also a letter telling me I was delinquent. ( this all started in XX/XX/XXXX ). Again I verified all my account info and assumed it would work. No such luck again the same process. I called again only to receive another pair of letters. Another call and again the same thing. I called yet again and talked to a person named XXXX, that seemed to know what she was doing, she assured me this would not go on my credit report and investigated the failure to withdraw money from my account. I had been instructed previously to contact my bank as to why and my bank said all the info was correct and the withdrawal would only show account not found if it had been submitted as a savings withdrawal. XXXX said indeed it had been submitted as savings even though in every previous call I had been adamant that it was a checking account. She told me she would call me if there was a problem. This company also records all calls! Well yesterday, XX/XX/XXXX I received a letter stating my mortgage was delinquent ... no for me not trying. I was also told at one point that they use " XXXX XXXX '' for their transactions and did n't take a check. I am beyond frustrated with this company and I have all three payments, XXXX, XXXX, and XXXX in my account and yet another letter making me feel like a deadbeat for nothing that is or has been my fault. I think this company is doing this to accrue interest and cause people grief. A business that ca n't process a simple on line payment that I have never had an issue with can only be interested in their bottom line and nothing else. I told them the last time I called I am going to pay the loan off just to get rid of their poor customer service and threats with no basis letters in XXXX, but I am afraid I will never be able to manage as they can not seem to process a simple transaction. Please help me! I am sure this will also help others as well
Product: Credit reporting, credit repair services, or other personal consumer reports

I REQUESTED A COPY OF MY CREDIT FILE WITH EQUIFAX IN XX/XX/2019. AND I RECEIVED A LETTER FROM THEM SAYING THAT I DONT HAVE A FILE. HOW I THIS POSSIBLE WHEN I SEE A FILE ON XXXX XXXX?
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act Convergent Account Name : XXXX XXXX Account number XXXX Account name XXXX  XXXX  XXXX  Account Number XXXX Account Name XXXX  XXXX XXXX  Account Number XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting 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. 

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 XXXXXX/XX/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: Bank account or service

I filed a complaint with your agency, Case No. XXXXYou completely did nothing to help me. I never heard from you so I called your office late XXXX. XXXX of your staff told me that the reason my case was not resolved was because I was not clear with my desired resolution. I gave her my new mailing address because we moved from XXXX XXXX, XXXX XXXX, 2015. On XXXX XXXX, 2015, I wrote a letter and per your staff representatives specific instructions and forwarded it to your office ( see attached ) I have never heard anything more from Consumer Financial Protection Agency. 

I was cleaning out my file cabinet and saw my file for this matter last week. I went on line and found the link for me to see the status of my complaint. My old address was still there, the new address was not updated. I wrote to XXXX XXXX XXXX XXXX see attached ) on XXXX XXXX, 2015. 

I was trying to figure out how to get back into my case today and needed help. I called and a lady told me my case was closed. XXXX. She told me it was closed in XXXX, I told her that was impossible, that I had spoken with a CFPB staff representative the end of XXXX 2015 XXXX I will look for my phone audits that I have because of the type of accounts I have with XXXX XXXX and she told me the reason it had not been resolved is because I was not clear about my desired resolution. The representative even helped me with the specific language to write my letter and submit it. 

Today your representative said she probably could not help me because my online file was closed. I told her that is impossible, I had just logged in last XXXX, she disputed my information so I immediately logged in. 

Today your staff said I received a response and directed me to an attachment link on the page where it said a response was. I never knew this. I was not even aware until XXXX XXXX, that I could log on and see my case. 

I did open the file and was so upset, the response is worthless, obviously B of A read nothing! They tell me to go to my bank ... that is where I started and I am back at square one over a year later!!! OMG. 
I went to XXXX went to my bank and they gave me the information for B of A FIA Credit Card DepartmentI went to the Office of the XXXX Bank XXXX went to the Office of the ComptrollerI was instructed to go to you, The agency, Consumer Finance Protection BureauI am not better off than when I started. 

The attached letter your representative directed me to today is worthless, it says nothing, there is no way a person of integrity and honest person with B of A read my supportive documents and came up with this response. NEVER! 

How can your agency, funded to help individuals/companies like ours accept this generic letter and close my case? 

My last step is the US Attorney General if you do not find integrity and do the right thing, review all I have submitted, follow up with BofA and resolve this matter and provide my specific request of being reimbursed by XXXX/BofA. 

XXXX XXXX XXXX
Product: Credit card

I closed this credit card account about 1 1/2 years ago. They keep assessing my account a maintenance fee, do n't send me statements, then I get past due notices from them saying I owe them for the maintenance fee and then months worth of late fees, this time around, {$320.00} and they are leaving derogatory remarks on my credit, which is hurting significantly! 

I have called and spoken with them twice ( the last time I did was with XXXX ), and they had removed the charges from the past times this happened and assured me it would n't happen again. I asked for something in writing, but XXXX said she could not provide me anything in writing. 

I got another notice on XX/XX/XXXX about it saying I owe them {$320.00} ( most of which are for late fees on an account that was paid in full and closed in XX/XX/XXXX, w/out ever sending me a monthly statement ). This is now negatively effecting my credit score!! 

The name of the bank is Commerce Bank, XXXX XXXX XXXX, XXXX XXXX, MO XXXX, XXXX. 

Again, this is the 3rd time it has happened, the past 2 times I called them and they said they took the charges of the account and said that everything was resolved and the account was closed. Both times I spoke with them, they told me everything was cleared, the account was closed for good, and it would not happen again. 

I do not have access to the full, 16-digit account number anymore ( the card was discarded 2 years ago and I no longer have online access ).
Product: Credit reporting or other personal consumer reports

I settled my debt with a collection agency several months ago. The collection agency was underhanded in its dealings with me and failed to provide me verification of my debt before filing a small claims suit against me. Due to not dealing with me in good faith and violating FDCPA laws, the collection company was forced to settle for less than they wanted to avoid a counter suit. The collection company took months to get the correct paperwork to my lawyer, in spite of a court dismissing the suit with prejudice. I disputed the information that Transunion had on my credit report, and they never investigated the dispute beyond contacting the collection agency, even when I sent them the court dismissal information.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XX/XX/1973 SS # XXXX My only name is XXXX XXXX My only address is XXXX XXXX XXXX XXXX XXXX GA XXXX There may be individuals that have the same as mine. Creditors may have entered my name, address, and/or employer incorrectly when requesting my credit report. 
Regardless there are forms of my name and addresses that should not appear in my credit file. 
Please promptly remove all other names, addresses, and employers. These other forms of my name, address, and employer are not correct historical data so they need to be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had an XXXX dollar balance with XXXX they have had me showing a balance since XXXX when closed account. But never realized this and its XXXX dollars. 

I just paid this but would like the XXXX dollars removed from my history as delinquent as did not have or was not given notification had this balance. 

There is no reason should have had this on my credit report. Its absolutely erroneous and needs to be removed as negative impact. 


Credit usage XXXX  % Balance {$8.00} Balance updated XX/XX/XXXX Credit limit {$300.00} Account info Account number XXXX Open/closed Closed Date opened XXXX XXXX, XXXX Account type Credit Card Payment summary XXXX XXXX XXXX XXXX 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 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 XXXX XXXX XXXX XXXX XXXX