23daVinci/CFPB_Complaints huggingface dataset:
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 federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX Account number : XXXX Account name : XXXX  XXXX XXXX Account name : collection. 

Account name : XXXX  XXXX Account name : XXXX / paid off account. 

Account name : XXXX XXXX Account XXXX : XXXX / XXXX missing payment and repo, the account is open and paid on time. 

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 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: Debt collection

I received a phone call 6 days ago from ( XXXX ) XXXX in New Jersey, registered to a XXXX XXXX number claiming to be from XXXX XXXX XXXX, XXXX saying I had a debt with HSBC and they were going to take me to court. They mention the debt was from XX/XX/XXXX and I had been making payments until XX/XX/XXXX ( XX/XX/XXXX to XX/XX/XXXX I was in the XXXX and not making payments on anything ). When they tried to get me to pay the debt, I told them they had called me and I didn't know who they were. I also asked for them to send me a certified letter in the mail outlining what this debt was. On Saturday, I received a first class letter in the mail on some generic letterhead outlining the debt. It included an Account Number. Using this account number, I called HSBC Recovery at ( XXXX ) XXXX, Option 2, to get information on this debt. They said it had been sold to XXXX XXXX XXXX. I called XXXX XXXX and they told me they this debt, but had sold it. They weren't sure who they had sold it to, but it would be either XXXX XXXX XXXX : ( XXXX ) XXXX or XXXX XXXX XXXX : XXXX. I called XXXX XXXX XXXX and they had no record of the debt, I tried XXXX XXXX XXXX, but for some reason am unable to call that number. 

I looked into XXXX XXXX XXXX, XXXX, They were registered as an LLC in NY in XX/XX/XXXX, the 're website XXXX XXXX XXXX was also registered in XXXX, and will expire in XX/XX/XXXX. Their website is also just a single page with no accreditations or badges, or anything really.
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, my financial institution and Zelle failed to investigate my claims adequately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello My name is XXXX XXXX, A federally protected consumer. Im submitting this complaint in response to Complaint XXXX in regards to Experian for violating my rights to privacy and fraudulently debt parking information on my consumer report. This original complaint has been submitted well over 30 days ago without a response. By law these items need to be removed from my consumer report. Experian has taken adverse action against me, with forethought and malice, by furnishing inaccurate and knowingly false information to my consumer report without my lawful authority. This shows that the consumer reporting agencies have shown bias towards me because I never gave my lawful authority for any consumer reporting agency to furnish any of these items to my consumer report. It is my belief that the consumer reporting agencies, ( such as XXXX, Experian, XXXX ) parrot any information given to them as a means of coercing consumers to pay extra fees for debts that they allegedly owe.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XX/XX/2020, someone has been applying to credit cards under my name. The cards they applied to were XXXX  XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX, citibank, and more. I've called some of the credit card companies to terminate the application and they said the person who applied has all my personal information including my social security. I've sent a police report and set up a fraud alert on my XXXX account, but they are still applying even today.
Product: Debt collection

I have debt that the company Alliance One is trying to collect from me. They sent me a letter regarding the debt stating to call them to set up a payment plan agreement, i then called and they stated they dont do payment arrangements and that they wanted the whole debt paid off or they will pursue legal ways to deal with me. I then asked to speak to a supervisor seeing that this wasnt right in how they are treating people. After futher looking into the debt that they are trying to collect from me, its to old of debt back from XX/XX/XXXX which is way past the Statue of Limitations laws in the state of washington regarding debt. I received a phone call yesterday on XXXX regarding the debt and they were overly aggressive, rude, and threatened to sue me and garnish my wages over debt that was to old to collect besides the XXXX parking tickets from XXXX courts. I told them at the moment i was homeless and did not have that much money to my name and that i was recovering from a car accident from XXXX XXXX. They did not care and said there attorneys already filed with the courts and the only way to stop the garnishment was to pay the biggest ticket at that time. So i took money i did not really have and paid {$260.00} to Alliance One and they said if i did not pay them {$300.00} a month on a XXXX that they will sue me. They have broken the federal fair debt collection practice act and i would like this dealt with immediately. I dont appreciate being threatened especially over time-barred debt that legally they cant do. The debt that they were threatening to sue me for were old cable bills with click cable located in XXXX WA. XXXX of them wasnt even in my name it was in my wifes name. I have gotten an attorney on the matter as well and would like for this divsion to also look into how this collection agencie is breaking federal laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

Notice of Rights Violation under the Fair Credit Reporting Act ( FCRA ) Account XXXX and XXXX I hope this message finds you well. I am writing to bring to your attention a serious matter regarding the violation of my rights under the Fair Credit Reporting Act ( FCRA ). 

Based on the provisions stated in 15 U.S.C 1681eb, 15 U.S.C 1681s, and 15 U.S.C 1681b, I firmly believe that my rights as a consumer have been infringed upon. The FCRA is designed to protect individuals like me from inaccuracies and misconduct related to credit reporting and ensure the fair and accurate reporting of credit information. 

I am deeply concerned about the handling of my personal credit information, and I request that you investigate this matter promptly and thoroughly to rectify any inaccuracies and violations as required by law.
Product: Credit card or prepaid card

First Progress has put derogatory remarks on my credit after I was administered an admin charge to my card but I was never sent the invoice. This is a problem that I tried to call and talk to them about but due to COVID their staff is running shorthanded and when I would call in the automated voice would tell me that they are shorthanded and the wait time is large and then it would tell me to call back and then hung up. I was never able to speak to an employee there. 
This complaint about XXXX XXXX not sending me the mailed invoices is not new, this is the second time I have had this issue and I am still seeking resolution for both times. I have actually brought this to their attention back in early XXXX. I called in early XXXX and their employee told me they would fix the mailing issue and informed me to file a goodwill letter and mail it to them and they will remove the derogatory remarks from my credit file. First Progress has this call on file and it was recorded. I sent them the letter on XX/XX/XXXX and I have a copy of this letter. XXXX XXXX at XXXX XXXX is insisting that they never received a copy of it. I have sent a copy of this letter again to XXXX XXXX and it was notarized and the mail was sent to him via certified mail on XX/XX/XXXX of this year. Just as XXXX XXXX is insisting that they never received the first goodwill letter, I am insisting that I havent been receiving invoices from them and could not have known about the admin charge. I stopped using this card so I knew I wouldnt have a balance with them. 
I now have negative remarks on my credit file in XXXX of XXXX that I want reversed. I have also provided reason for reversing the negative remarks from XXXX and XXXX of XXXX as well as XXXX of XXXX. 
XXXX XXXX told me in the last CFPB complaint to reach out to him if I had further questions or concerns. I mailed him a letter as well as all of my paperwork that I have kept. I mailed him certified mail that shows delivered and it was sent on XX/XX/XXXX. Furthermore, I had that paperwork notarized and I have not heard back as of XX/XX/XXXX. My account is now closed with First Progress and they are not communicating back to me.
Product: Money transfer, virtual currency, or money service

I am an XXXX citizen and live in XXXX. I worked for an American company ( XXXX XXXX ) and have received a pension from them since XXXX. The payments were made by XXXX XXXX into my Wells Fargo account. In XXXX I was advised that I had to close the Wells Fargo account because I didn't have a residential address in the USA. The balance ( US {$1600.00} ) was sent to me in the form of a XXXX, dated XXXX XX/XX/XXXX and the account was closed. There is no bank in XXXX that will cash a foreign XXXX  so I have not been able to access these funds. With the help of my daughter we called Wells Fargo, however no-one was prepared to help us. They said that since they had sent the XXXX  and closed the account, from their point of view the matter was finalised. We asked if we could post the XXXX  back and have the funds sent by wire transfer instead but the answer was no. My daughter travelled to the US in XX/XX/XXXX and visited a Wells Fargo branch with my passport, the XXXX  and a letter of authorisation from me. They refused to assist her stating that I had to be present for the XXXX  to be cashed. I find all this extraordinary as this is MY money, not the bank 's. I am XXXX and could really use the funds. I would appreciate anything you can do to resolve this matter. Thank you.
Product: Credit reporting or other personal consumer reports

Dept of EdXXXX XXXX has placed my student loan account on my credit file and shared this information without my consent. This violates FCRA rights pertaining to the use of my credit report. This can be deemed as fraud.
Product: Debt collection

I have a credit account showing on my credit report from Macy 's. This account is erroneous. I have disputed this account multiple times with the credit bureaus. Each attempt was unsuccessful. I contacted Macy 's by means of phone calls and written communication multiple times in an attempt to correct this incorrect mark. I had requested detailed information in writing to show how this could have ended up in my name. I had received nothing from the creditor nor any assistance at all. 

This erroneous account has negatively impacted my XXXX XXXX, effecting my financial standing and overall well-being. I am trying to buy a home and this incorrect information is causing my family great distress. 

Due to Macy 's, nor the credit bureaus willingness to assist with this problem, I am requesting an investigation by CFPB. I feel this is a grave violation of my rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX XXXX commercial banking account had suspicious activity, so I know that the Capital One visa account was also at risk of suspicious account activity. I requested a new card issued through the mail. Capitol One reported on XX/XX/XXXX an inaccurate balance. After I had already made a fraud alert on XX/XX/XXXX. I paid in full the current balance of {$3000.00} on XX/XX/XXXX. XXXX deducted XXXX points ( credit score went down XXXX ) since XX/XX/XXXX. Not fair treatment, it exposes bias in class differences because if I were anyone else in another income bracket... I am sure they would have offered better treatment. My credit utilization on that card is 0 % and not the reported 102 %. I would like my credit information updated and my credit score points restored by XXXX, XXXX, and XXXX.
Product: Debt collection

My daughter received a phone call from Trinity Hope Associates of XXXX North Carolina asking for me. I called the number that was given and was told that I owed {$54.00} for service at an XXXX XXXX XXXX in XXXX, Georgia. I have never visited and XXXX XXXX XXXX. However, my daughter has. While my daughter has been covered by my insurance she was of legal age when the debt was incurred was not my debt. I requested a copy of the debt from the company mailed to my address. This was done. This was the first written correspondence I received. This was mailed on XXXX. I was not advised of procedures to dispute the debt in this letter nor was I advised of the date of service for the debt. I was informed this was reported to my credit report even though the XXXX letter was the first notice I had of the debt. He claimed a notice was mailed on XXXX when in fact he was only given my address on XXXXA gentleman named XXXX told me numerous falsehoods during our conversation. In sum, I was charged for a debt I did not owe. I paid the debt to end the harassment and the fraud and deception.
Product: Checking or savings account

XX/XX/XXXX at XXXX I was notified the funds in my account were low. I logged on to online banking to see my money was on hold. I called customer service who told me that they are issuing me a check out for funds. I asked why was my account closed? They stated they could not verify my identity when I went to branch to open account and verified my identity. I am relocating to another state and this has caused me a big inconvenience. I had to get check mailed to a Wisconsin address and there is a 50/50 chance I may not be relocating. I should have been able to walk in the bank to get my funds. This bank sucks. I will make sure I file this complaint as well as one through the XXXX XXXX XXXX. I was handled terribly as a new account holder. I also had direct deposit switched over and now have to switch everything over to another account. I also have to wait ten days for my funds.
Product: Credit reporting or other personal consumer reports

My account with ( XXXX, 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 in ( MONTHS REPORTING LATE ) 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, 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: Checking or savings account

I would like to file a complaint against Navy Federal Credit Union in regards to multiple overdrafts fees that I incurred. Although there were sufficient funds available when the transactions were authorized. I was then charged fees due to lagged posting of credits and charges. This issue aligns with the recent CFPB findings against Navy Federal Credit Union for similar practices in which transactions settled with insufficient funds balances despite there initially being available funds in the account. I believe these practices are unfair and request an investigation into my account transactions.
Product: Mortgage

My original loan company transferred my loan to a new servicer who received all transfer payments for my loan account, but have not applied them to my account. The new loan servicer received and deposited the check payment on XX/XX/21, but never applied it to my account and then reported my account delinquent to the credit bureau. I have called and emailed on countless occasions and still have received no resolution to date. I also made an additional payment on my account & that payment wasnt applied as a regular payment but as an additional principal payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am sending this complaint because I still believe there are some errors on my credit. I would like CREDIT BUREAUS to verify the information below and verify that its not untimely, inaccurate, unverifiable or incomplete. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please evaluate the following items : XXXX XXXX XXXX XXXX**** Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$93.00} XXXXXXXX XXXX  XXXX XXXX Balance Owed : {$190.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Meade Recovery Service # XXXX is reporting a new collection on my credit report, however I never got any notice for this collection nor did I get my 30 day right to dispute letter. I had no idea this collection existed until it showed up on my credit report. They also have my information incorrect and I am settling it.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

In XXXX of XXXX I started the process to refinance my mortgage through XXXX XXXX XXXX. As the process proceeded I found out I would be relocating for work so refinancing a house I was about to sell made no sense. After speaking with XXXX XXXX from XXXX we stopped the refinance and switched the application to a conventional mortgage. As I started my relocation process I requested my pre approval letter from XXXX. He provided a pre approval letter dated XX/XX/XXXX that stated " The loan approval is continent upon preliminary title and satisfaction property appraisal, and down payment being verified ''. 

On XX/XX/XXXX I submitted an offer on a house and it was accepted. As we went through the process I paid {$2400.00} in earnest money and began the process of getting the home appraised and inspected. On XX/XX/XXXX after days of trying to get a response from Mr. XXXX regarding the status of the loan he finally responded saying that he had to re-run my credit and was no longer able to offer an conventional loan. The neighborhood I was moving to did not allow FHA loans so I was unable to purchase the house. I followed up with a question to XXXX and to this day have never heard a response. 

Due to this, I lost the amount for my earnest money, inspection, and appraisal. Furthermore, I was forced to begin the home buying process over again with approval from a different lender as an FHA loan. This caused me to have to live in a hotel, and incur multiple other unnecessary expenses until I was able to find a home, get the offer accepted, inspected and closed while using another lender. 

This could have been prevented by XXXX running my credit for pre approval from the beginning instead of just using the same credit report from the refinance for the pre approval letter. 

I previously had my mortgage refinanced with XXXX and it was a pleasant experience. I would think that a repeat customer would be treated better.
Product: Credit reporting or other personal consumer reports

This is a case of identity theft this company obviously dont understand the meaning if some one use your information its going to appear to you this company is trying to convince me of phone calls I have not heard I would love to hear to calls to try to pin points this person as if they have money voice recognition on file I have attached the official police report and ftc report as I should Im asking this company to discontinue with there mock half investigation and remove this from my account nothing you are providing connects back to me my address or phone number
Product: Credit reporting or other personal consumer reports

I'M IN DISAGREEMENT WITH THE ACCOUNT LISTED BELOW WHICH STILL APPEARS ON MY CREDIT REPORT, EVEN AFTER YOUR INVESTIGATION. 
I WOULD LIKE THIS ITEM IMMEDIATELY RE-INVESTIGATED. THE INACCURACIES ARE HIGHLY INJURIOUS TO MY CREDIT SCORE ACCOUNT NAME- XX/XX/XXXXACCOUNT NUMBER- XXXX IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT, PUBLIC LAW 91-506, TITLE VI, SECTION 611, PLEASE PROVIDE THE NAMES AND BUSINESS ADDRESSES OF EACH INDIVIDUAL WITH WHOM YOU VERIFIED THE ACCOUNT, SO THAT I MAY FOLLOW UP. PLEASE SEND ME AN UPDATED COPY OF MY CREDIT REPORT AFTER YOUR REINVESTIGATION.