23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I spoke with someone XXXX 2017 at XXXX XXXX XXXX : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX, him and I ( I believe XXXX ) made arrangements to pay {$100.00} a month, I told him I 'd call by the XXXX, if not I will for sure call by the end of the month. The company has called a few times already this month ( XXXX ) and when I called " XXXX XXXX '' I told him I was calling to make a payment, that my grandfather just passed away so that is why it 's later in the month ( but still before the end of the month ) He Immediately started raising his voice saying hm ok, you are no longer trusted to make the payments and the client wants to do automatic payments. I said no, what? what do you mean? I am calling by the end of the month. I did n't even get a chance to tell him I ca n't do automatic payments because I 've had so much fraud on my bank account and it worries me. He told me my credit was garbage and that is why I ca n't be trusted. What does my credit have to do with who I am? this " XXXX guy '' does n't know our story nor would he care and he treated me with so much disrespect. He than said I 'm not talking to you anymore, have your lawyer call me and hung up on me. 

How do I work towards making payments if the person who is suppose to be collecting the payments wo n't talk to me? I am now in the middle of calling the credit card company trying to see if they will take my payments or send it to a different collection agency because I DO WANT TO PAY IT OFF but I ca n't handle the belittling and bashing from this company because the situation is n't picture perfect. I have read numerous complaints about this company and they do not care how they treat people and the only reason they get payments is because they bully people and do n't treat them like people. DISGUSTING!!
Product: Credit reporting, credit repair services, or other personal consumer reports

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 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 XXXX 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 inaccurately. 

XXXX XXXX is in accurate
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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX and list of Inquiries 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. 


XXXX XXXX
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 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. 

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

Disputed a chap XXXX bankruptcy with all 3 credit reports. Transunion, XXXX and XXXX failed to verfiy within 30 days the items disputed, in addition not provide results of the investigation within 30 days.
Product: Credit reporting or other personal consumer reports

I was taken aback this morning to find incorrect accounts listed on my credit report. I usually check my credit report without issue, so XXXX shocked to see these inaccuracies suddenly appear. I tried refreshing my browser, thinking it might just be an error, but the discrepancies didnt go away. Its deeply disappointing to face this unexpected and unresolved issue.
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 unlawful and raises serious concerns about consumer safety
Product: Credit reporting, credit repair services, or other personal consumer reports

I acquired my credit report and asked the LVNV FUNDING LLC to validate as well as check and make sure everything was complete and accurate according to 15 USC 1681i ( 5 ) I waited 30 days and I havent received nothing. Here is my tracking number : XXXX. Its been over 30 days. And one more thing, they didnt even record the current status of the disputed information. LVNV FUNDING LLC is holding me back from raising my XXXX XXXX so that I may acquire new credit and purchase a house. This is very frustrating and discouraging because I am trying to build positive credit and buy a house for my family but LVNV FUNDING LLC is not doing its job according to the law
Product: Credit reporting or other personal consumer reports

I am writing to express my deep frustration and disappointment regarding the multiple unsuccessful attempts I have made to correct a late open account with your institution. Despite my persistent efforts, this issue remains unresolved, causing significant inconvenience and concern. 

The late open account, which has inaccurately been associated with my financial profile, is adversely impacting my creditworthiness and financial stability. I first brought this matter to your attention, and since then, I have made several diligent attempts to rectify it through your organization. Regrettably, my attempts have not yielded any meaningful resolution. 

I initially submitted a request to correct this late open account, providing all the required documentation and evidence to demonstrate its inaccuracy. To my dismay, my request was denied without a clear explanation or thorough investigation. 

Undeterred, I submitted a second request, reiterating the evidence that this late open account is indeed erroneous. However, this request was also denied without any indication of progress or resolution. 

In light of these unsuccessful attempts, I made a third and final effort to address this matter, hoping that my concerns would finally be addressed appropriately. Unfortunately, I have not received any communication indicating that my dispute is being actively investigated or that there has been any progress toward its resolution. 

I can not overstate the serious consequences of this late open account on my financial well-being. It has hindered my ability to secure loans, credit, and favorable interest rates, making it exceedingly difficult to meet my financial obligations and achieve my financial goals. 

I urgently request that your institution takes immediate and effective action to correct this situation. I expect a comprehensive investigation into the legitimacy of this late open account and, if found to be erroneous, its swift removal from my financial records. Furthermore, I request written documentation confirming the correction of this inaccuracy and its impact on my credit score. 

I also urge your organization to improve its dispute resolution process to better serve customers. The repeated failures to address this matter properly have eroded my trust in your ability to handle financial matters accurately and fairly. Please assist me to correct this late open account immediately : XXXX XXXX XXXX XXXX : {$10000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'VE NOTICED THAT MY MOST RECENT CREDIT REPORT CONTAINS SEVERAL LATE PAYMENTS REPORTING ON MY CREDIT FROM XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, AND XX/XX/XXXX FOR MY XXXX   XXXX XXXX. I'VE HAD FINANCIAL HARDSHIPS WHICH AFFECTED ME TO CONTINUE MAKING MY ON-TIME PAYMENTS. I'VE MADE A MISTAKE IN FALLING BEHIND, BUT SINCE THEN I WAS ABLE TO IMPROVED MY RECORD ON MAKING ON-TIME PAYMENTS.
Product: Student loan

Hello, I am at a loss. I am extremely disappointed with the email I received regarding my appeal to resubmit more documentation and proof toward my school misconduct application that I QUALIFIED for and was told ELIBLE for discharge. I called the office of the customer advocate at Navient before XXXX XXXX, and I was told over the phone that someone would call me back and I would be assigned to a person to help me in regards to my school discharge form. I NEVER received a call back from anyone, but instead I received a SECOND denial, to even submit more proof. I was told they only received about XXXX of documentation online, when in fact I have well over XXXX pages of proof and DETAILED PROOF ( including documentation of my bankruptcy ). Attached is proof, of the complication in receiving my application and I requested that I be sent a PHYSICAL copy of my school misconduct form, and that was NEVER sent to me as well. It seems to me they are purposely deflecting and disregarding my discharge, when there is solid evidence that many other students who filed the same form were APPROVED. I went to the same school, and I suffered extreme amount of financial hardship. I was forced to lived at home with my parents or be on XXXX XXXX and I had to file bankruptcy due to this. 

Navient is willingly and blatantly ignoring the XXXX XXXX. And I am not given a FAIR chance. I was already XXXX for my school misconduct due to predatory tactics and approved on my borrower defense application. I was FULL class member for XXXXXXXX XXXX XXXXXXXX in regards to the very same school. I was a member of the Attorney General settlement against Navient and was NEVER XXXX because I failed to meet the default time by XXXX. I am a student of the XXXX XXXX XXXX XXXX, that President Biden DISMISSED federal student loans for due to it's misconduct and predatory lending. I have a SIGNIFICANT amount of proof, via hardship and backing up exactly what this school has done to destroy my entire life. Yet I was denied at every corner, even when they falsely told me that I do qualify for the application. I was never given a fair chance and denied that fair chance!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX is trying to collect on a medical account when I've never been in any business with said company. in addition they are violating the hippa laws about furnishing medical information without consent
Product: Bank account or service

As my debit card was set to expire, Bank of America issued a replacement card three months prior to the expiration date. The card never reached my mailbox and was intercepted by someone. I received a message that my debit card was being used and was asked to provide feedback regarding an attempted transaction at XXXX XXXX for {$520.00}. I responded within 30 minutes of the message stating that the transaction was not mine and to close the account. The account was not closed after I asked them to close it. Instead, they expedited the shipping of a new card. I filed a dispute with the bank to remove the fraudulent charge. In addition, I filed a police report and put fraud alerts on all the credit agencies. Bank of America declined my dispute stating that there was nothing wrong with the transaction. They are violating the Electronic Fund Transfer Act by not removing the fraudulent charge. A few days later, Bank of America sent another email to to me to verify a transaction on my credit card. When I called, they told me that they added a new user to the account, changed the address, and mailed a new card to a fraudulent address. They skipped the passwords and security that I set up for my banking accounts. They instructed me to have a police officer call a special number to retrieve the fraudulent address where a new card was sent. The police officer advised me that he can not do this without a subpoena. The advice Bank of America offered me was incorrect and ineffective.
Product: Mortgage

During my first initial talks with Fairway Mortgage ( XXXX, ID office - XXXX ) I explicitly asked how twice monthly payments would be applied. I was they would be applied once received less a few days for processing. I even went-on to press the point, given that my mother 's mortgage will take her payments whenever, but they wo n't be applied until they are due. Thus, sending twice monthly payments does nothing ; the loan servicer has her money, they continue to charge her interest, and her payments do n't reduce her mortgage until they are due. I cited this exact example and he said no, that is not the case. He even went-on to voice confusion and concern for my mother 's mortgage ; I explained that it 's about 15 years old and maybe that has something to do with it. This was a point for me, as we make twice monthly payments in-order to shorten the life of our loan ; this mortgage is my only debt, I purchased a 15 year mortgage ; I want to be done with it ASAP. 

My loan was then sold to XXXX. 

After many requests by XXXX, I have received a full amortization schedule ( they had been providing me summary information ). Details of my payments show that my payments, just like my mother 's, have been received and cashed as received ( twice monthly ) but once again have not been applied to my loan until due ( or until both payments have been received ). I voiced my concern that this was not what was sold to me, this will add hundreds in interest, and many months to our loan. At this point, they directed me back to Fairway. 

After contacting Fairway ( XXXX is no longer employed there so I spoke with his manager, XXXX ) I was told that it is up to XXXX how to apply the payments and they do n't have any control over that. I pressed the point that I signed a form, along with the numerous other mortgage forms, OK'ing Fairway to sell my mortgage ( which they did to XXXX ) only if the terms and the loan does n't change. Although my interest APR did n't change, the way in-which it was applied did. Which equates to a change. Fairway disagrees. When asked who to contact, Fairway directed me to their corporate office and made no mention of CFPB.
Product: Debt collection

Since 2013 first Federal and collections has been reporting negatively on my credit report. I have sent three letters asking for validation and I have yet to receive a response. I have also attempted to contact the phone number and yet I 'm unable to reach someone. I have never seen a XXXX in 2013, or a XXXX in the said listed city as I was not living in the city. Please help me correct this information.
Product: Mortgage

They collected all of my information. Loan officer XXXX XXXX refuses to give me a loan estimate. I already got credit damage becayse they checked my credit report but they did not give me a loan estimate.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  has been ignoring my calls for a investigations into fraudulent accounts. 
Each tome i call they hang up and or tell me they cant find the documents i have submitted. 

Each time i file a CFPB complaint they reply with " this is not you ''
Product: Credit reporting, credit repair services, or other personal consumer reports

Portfolio Recovery is reporting a debt on my credit file that I do not owe. I recently took a look at my credit and noticed that they are reporting several accounts on my credit file that are super old debts. These debts are past the credit reporting limit and under the FCRA this is a violation and must be removed.
Product: Credit reporting or other personal consumer reports

I disputed the account with Transunion. They state it was correct information. I contacted customer support, the agent I talked to looking at my credit report and stated that it was indeed a duplicate account and they only next step was to dispute it again. The agent filed the dispute on my behalf leaving notes. The disputed completed as of XX/XX/2024 stating that all information is accounted for and accurate. I reached back out to Transunion today, they indeed see it a duplicate account and referred me to this site to file a complaint as my next steps. 

I have also contacted the reporting company via the XXXX XXXX XXXX to report with multiple complaints that included, reporting to all three agencies, reporting on a monthly bases which they frequently did not, for suspending my account early dispute not being 120 days late, for missing payment history dates, amounts and balances or incorrect dates, payments dates and payment amounts which is still incorrect for multiple months. The company in question is call XXXX XXXX. 

At the very least removing the account from being duplicate on my reports would take off the extra late payment that is impact my score.
Product: Credit reporting or other personal consumer reports

CFPB FOR REMOVE CHARGE OFF ACCOUNT I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : name account : XXXX XXXXXXXX XXXX, number : XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate. 

I request that the following actions be taken immediately : Investigation of the mentioned violations. 
Removal of the unauthorized accounts from my credit report. 
Exclusion of any obsolete information in compliance with 15 USC 1681c ( a ) ( 5 ).

Correction of any inaccurate information in accordance with 15 USC 1681s-2 ( a ) ( 1 ).

Notification of the correction to any person who has received my credit report in the past six months. 
I expect a written response within the next 30 days. If this situation is not adequately resolved, I will consider taking the necessary legal actions to protect my rights.
Product: Debt collection

This number is calling me at work and they should not be calling me. The number is from a First National Credit bureau and every-time i try to say to stop calling it hangs up. This is a work phone and they should not be calling me at work.
Product: Credit reporting or other personal consumer reports

My account with XXXXXXXX XXXX XXXX XXXX was never late! I have had exceptional payment history with XXXXXXXX XXXX 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 the company and is not a reflection of my payment experience which violates XXXX XXXX XXXX. 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 in those accounts 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 XXXX ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. 


XXXX XXXX, XXXX XXXX Never Sent the periodic statement along with the disclosures from section XXXX ( b ). 


I have requested proof that this information was mailed or delivered XXXX days before the payment due date and this information was requested in good faith pursuant rule XXXX 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