23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

They have failed to report the on time pay history for the months of XXXX XXXX XXXX XXXX XXXX even after I have made numerous phone calls to rectify the problem. After my 3rd request, they when in an reported XXXXXXXX XXXX  payment and still dint report the month 's preceding that payment. They were all to quick to report the debt, and charge 19 % interest, while they neglectfully negate the reporting the timely payments thereof. My credit score is suffering severely as a direct result in the holes of this pay history.
Product: Checking or savings account

On XX/XX/2022 we deposited a check to Bank of America received from a business, a car dealership in which we had sold our vehicle too. That money was taken out of the business account within XXXX hours, per the business owner. BUT Bank of America is currently still holding this money until XX/XX/2022. 10 day hold on money they currently already verified and they already have in their " cloud '' ( what customer service told me ). 

They are currently making interest on money that should be in my account. How is it even legal to hold someone's money when the check has already cleared out of the business account?
Product: Checking or savings account

Since 1 week ago today Fifth Third has locked me out. I have spent 4-6 hrs./day on phone. As you know, this is the 2nd time. 
What they have done to me, an XXXX, XXXX XXXX woman XXXX XXXX XXXX XXXX XXXX XXXX, this is unconscionable. Only 3 times did I actually get a real person. I even called the fraud dept. number & got through to someone who said it wasnt the fraud dept. All of the times Ive been on the phone my battery ran out. 
My supportive living bldg. wanted me to recertification this wk. & I couldnt provide my banking info. 
Your reviews I read, too many to continue reading, for the most part have the same complaint. I have never seen anything like this & XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Im done. When this mess is taken care of, Im switching banks. 
They even had my email as one I had 20 yrs. ago. They had my previous bank as 1 I havent banked at in years. 
I DEMAND ACTION NOW!
Product: Student loan

I have made the following payments and keep getting reversed for no reason despite having sufficient money in bank account. I tried calling and the average time is about XXXX hours. Its is very difficult to get in contact because they do not respond to emails. I am now in delinquency because of this. 

XX/XX/2023 Payment Reversal {$250.00} Show more information XX/XX/2023 Payment - {$250.00} Show more information XX/XX/2023 Payment Reversal {$250.00} Show more information XX/XX/2023 Payment - {$250.00} Show more information XX/XX/2023 Payment Reversal {$150.00} Show more information XX/XX/2023 Payment - {$150.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This is CLIENTS NAME, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to XXXX Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means XXXX has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original XXXX : XXXX XXXX XXXX  ) XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

This year I have disputed data from Credit Report to Equifax. Some of the information has been corrected or deleted after much effort, by mail and using their website. They list my CURRENT EMPOYER AS : XXXX, Position : Bond Clerk, Status : Current. I have insisted and said to then uncountable times, that I did work for XXXX but that my employment ended decades ago, that XXXX was liquidated and to delete that information. It is incorrect, it is wrong, I do not work for a company that do not exist. 
Have disputed data from Equifax 6 times this year, sometimes the disputed closed the same day. Obviously, they are not validating their information and they have made no effort in correct their error despite my demands to fix it/delete it. 
There is a note in the report in the section referencing employment : " ... it does not affect your credit score '' I do not care if it affect or not and that is not the issue. The fact is that they are providing and disseminating incorrect information about me. Also when disputing information as part of the " automatic process '' ask my current employer 's name and position. I am not required or obligated to provide Equifax any information about my personal, private, or employment life or any information at all. They have accumulated and sold and profited from my information that they have accumulated using other sources and references. It is not their business and I am not applying for credit. When the time comes, and I apply for credit I will provide that information to the creditor not to Equifax. 
Sent note to Equifax by mail to delete information and they ignored my last request to delete my employment history with XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX or XX/XX/2019I received a credit alert stating there was a new hard inquiry on my credit. I immediately disputed it with Equifax because I did not authorize anyone to do this. A few days later while speaking to my sister, she advised me that she had spoken to XXXX XXXX NMLS ID # XXXX and he advised her of my credit score and some additional account information on one of my credit cards. 

It is now XX/XX/2019 and Equifax closed my dispute and indicated that it was accurate. Again I never authorized this, and my personal information was given to my sister who was not privy to this information. 

I want this inquiry deleted from my file and I want it noted that although XXXX XXXX was aware it divulged my personal information and credit score, they never reached out to me to make me aware of this breach.
Product: Money transfer, virtual currency, or money service

Reference id XXXX Filed against XXXXXXXX XXXX and XXXX. 
Would like Zelle to take action and reimburse.
Product: Credit reporting or other personal consumer reports

Notice of Violations under FDCRA and FCRA Dear PORTFOLIO RECOVERY ASSOCIATES LLC, I am writing to bring to your attention significant concerns regarding your practices, which appear to be in violation of the Fair Debt Collection Practices Act ( FDCRA ) and the Fair Credit Reporting Act ( FCRA ). The specific violations are supported by the following statutory references : 1. FDCRA Violations : 15 U.S.C 1692, Communications in connection with debt collection. 12 CFR 1006.30 ( a ) and ( b ), Other prohibited practices. 2. FCRA Violations : 15 U.S.C 1681 ( a ), Accuracy and fairness of credit reporting. 12 CFR 1006.6, Communications in connection with debt collection. Contacted XX/XX/2023 at XXXX EST and XX/XX/2023 at XXXX 12 CFR 1006.30 ( a ), Required actions prior to furnishing information. 12 CFR 1006.30 ( b ), Prohibition on the sale, transfer, or placement for collection of certain debts. 12 CFR 1006.26, Collection of time-barred debts. 12 CFR 1006.34, Notice for validation of debts. The Congress, in its findings under 15 U.S.C 1681 ( a ), emphasizes the importance of fair and accurate credit reporting for the efficiency of the banking system. It is crucial that consumer reporting agencies exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy, as stated in the legislative findings. The specific practices that raise concerns include, but are not limited to : Furnishing Information Without Prior Communication ( 12 CFR 1006.30 ( a ) ) : It has come to our attention that [ Debt Collector ] furnished information to consumer reporting agencies without engaging in prior communication with the affected consumers, as outlined in 12 CFR 1006.30 ( a ). Improper Debt Placement ( 12 CFR 1006.30 ( b ) ) : There is evidence suggesting that [ Debt Collector ] has engaged in the sale, transfer, or placement for collection of debts that have been paid, settled, or discharged in bankruptcy, violating 12 CFR 1006.30 ( b ). Time-Barred Debt Collection ( 12 CFR 1006.26 ) : [ Debt Collector ] has been observed attempting to collect time-barred debts and issuing threats of legal actions against consumers for such debts, which contradicts 12 CFR 1006.26. Inadequate Validation Notice Practices ( 12 CFR 1006.34 ) : Our investigation indicates that [ Debt Collector ] has not adhered to proper validation notice practices, as required by 12 CFR 1006.34, thereby jeopardizing consumer rights. I urge PORTFOLIO RECOVERY ASSOCIATES LLC to review and rectify these practices immediately to ensure compliance with the FDCRA and FCRA. Failure to do so may result in further action. I request removal of alleged debt.
Product: Credit card

A credit card was opened in my name sent to my parents house but I did not apply for this card.
Product: Mortgage

In response to a complaint I filed XXXX XXXX from the Chase Executive office attempted to reach me by calling my Wife 's phone number on 3 separate occasions. My Wife was not able to take the call because she was at work. I returned each call and left messages asking Ms. XXXX to call me at my phone number ( she had initially called me at the correct number several times ). On the third call I made to Ms. XXXX I told her if she did not call me at the correct number I would file another complaint regarding this matter. She has not called back but someone named XXXX from Chase is now calling the incorrect number. I have left a message for him with the correct number and am filing this complaint hoping it will compel Chase to address this matter in good faith.
Product: Credit card or prepaid card

On XXXX XXXX a charge was taken from my Indiana XXXX debit card. I notified them of this charge and took all the precautions to dispute the transaction. I can not speak to any representatives, Ive been on hold multiple times each over 30 minutes this is ridiculous. I have to report my card as lost or stolen to even have an option to speak to a real person. I currently still do not know what is happening with my case or money {$23.00}. Yea its just XXXX $ but its my childs money for XXXX and no money is available so my child misses out. XX/XX/XXXX
Product: Debt collection

XXXX XXXX XXXX has continued to send me documentation that does not validate my contract. On XXXX XXXX XXXX XXXX sued me for an alleged debt they are claiming i owe, previously I have contested all facts, asking to verify my writing signature on said contract, or one between myself and XXXX XXXX XXXX, they have never produced anything. I have sent this company letters to please provide proof, they have never done this, they have ignored all my efforts to settle this matter, as they can not show my contract to collect this alleged debt. I have sent cease and desist letters to stop all communication, however they are only sending more. I have received packages in my mailbox, for the same unverified information, they have never provided. I have been a victim of intense harassment, as well as intimidation. This needs to stop at once. I have contacted the AG office to make a complaint as well, this Junk buyer has wrecked havoc on my family for 2 years filing lawsuit, and claims that have never been proven.. yet they are still trying to send me collection paperwork, as well as suing for a debt they have absolutely nothing to do with.. I will be following up with bar grievances, on this attorney who has absolutely XXXX knowledge or claim to allege debt. 
I have all copies of correspondence I have sent this company, asking to provide my written consent and contract, which they have never done, they turn around and sue me. This company know that Im working under XXXX as well, as all efforts to resolve should be done in arbitration.. yet they are continuing to collect and harass by mailing. This needs to stop at once
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX FL XXXX XX/XX/year> Hello Experian, I was looking over my report and I noticed these accounts listed below are not ensuring maximum possible accuracy according to the FCRA. Delete accounts listed below for violation or the tair credit reporting act. 

Account Name : XXXX / Account Number : XXXX This account is not showing maximum possible accuracy according to 15 USC 1681e ( b ), the open date, date last active is not accurate. - Delete Account Immediately for violation of 15 USC 1681e ( b Account Name : XXXX / Account Number : XXXX This account is not showing maximum possible accuracy according to 15 USC 1681e ( b ), the open date, date last active is not accurate. - Delete Account Immediately for violation of 15 USC 1681e ( b ) Account Name : XXXX / Account Number : XXXX - This account is not showing maximum possible accuracy according to 15 USC 1681e ( b ), the open date, date last active is not accurate. - elete Account Immediately for violation of 15 USC 1681e ( b ) Account Name : XXXX / Account Number : XXXX This account is not showing maximum possible accuracy according to 15 USC 1681e ( b ), the open date, date last active is not accurate. - Delete Account Immediately for violation of 15 USC 1681e ( b Thank you for your time and attention! 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX Tx XXXX XX/XX/XXXX ELEVATE RECOVERIES LLC Subject : Dispute of Hard Inquiry on Credit Report under 15 USC 1681 Dear ELEVATE RECOVERIES LLC I am writing to dispute a hard inquiry that appears on my credit report. My name is XXXX XXXX, and I believe this inquiry is inaccurate and negatively impacting my credit standing. 

Details of the inquiry : Creditor Name : ELEVATE RECOVERIES LLC, Date of Inquiry : XX/XX/XXXX Inquiry Reference Number : N/A I am aware of my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681, which entitles me to accurate and fair credit reporting. Upon reviewing my credit report, I have identified the aforementioned hard inquiry that I believe was made without a permissible purpose or is otherwise inaccurate. 

I kindly request a thorough investigation into this matter and prompt removal of the disputed inquiry from my credit report if it is found to be inaccurate or unjustified. 


Enclosed, please find supporting documentation, I appreciate your attention to this matter and look forward to the prompt resolution of this dispute. 

Thank you for your cooperation. 

Sincerely, XXXX XXXX
Product: Debt collection

Repeated calls and states I have a debt. Will call at work, cell phone for work and home phone not stop fromXXXX to XXXX. Need to stop the calls and send me a letter instead
Product: Debt collection

I have an open account. My due date is the XXXX of every month. Someone visited my hone and left a threatening letter on the XXXX. A late fee has not been added to my account and the was one other time a late fee was added. I have never paid account beyond 30 days and this is not the type of letter I, or  anyone else, should receive if account is not " seriously delinquent '' as letter so states.
Product: Credit reporting or other personal consumer reports

I discovered that many items on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified without providing any proof within the time frame specified by law. My credit report includes these erroneous items that need to be investigated and corrected : XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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 XXXX Account number XXXX 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 antidotes 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 information is inaccurate.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request, pursuant to FCRA XXXX ( XXXX XXXX  XXXX ), that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of receiving this complaint. This fraudulent, inaccurate, and false information consists of a retail installment account with XXXX XXXX XXXX opened on XX/XX/XXXX, and an auto loan account with XXXX XXXX XXXX opened on XX/XX/XXXX. 

Unauthorized Hard Inquiries : FACTUAL DATA Inquiry date XX/XX/XXXX FACTUAL DATA Inquiry date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX XXXX  Inquiry date XX/XX/XXXX I have attached a copy of the consumer XXXX credit report maintained by you, which shows the aforementioned fraudulent items. I do not recognize these accounts as reported. These items appearing on my consumer credit report were not opened, made, or initiated by me and are all the result of identity theft and fraud. Additionally, I have attached a copy of the FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the U.S. Federal Trade Commission that all of the aforementioned consumer credit accounts are the result of identity theft and fraud.
Product: Student loan

I submitted a refund for my student loan payments with Ed Financial for a total request of {$10000.00}. They are saying that it takes more than 5 months to get the money back and they also dont provide confirmations or emails showing that the request has been processed. They told me that I have to trust them. I am worried of not getting my refund on time and my balance not adjusting on time for me to be able to apply for forgiveness. I have been reading online and it seems like Ed financial is the only student loan service provider with this practice which seems to be very shady and obscure. Everyone else is processing this request in a reasonable amount of time. My account number is XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I sent certified letters to XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. The letters were received on XX/XX/XXXX ( XXXX XXXX XXXX ) and XX/XX/XXXX ( XXXX XXXX XXXX ). I disputed their claim that I owe them these debts and asked them to validate the accounts they are reporting to Equifax, XXXX and XXXX. It's now XX/XX/XXXX and I have not received any response from either company by mail, email or any other type of notification. Under The Fair Debt Collection Practices Act 15 USC 1692g, Sec. 809 ( b ), I have the right to request validation of debt they say I owe them. Both Companies have failed to validate the debts and provide the information I requested in my letters. See attached letters and certified mail receipts.
Product: Credit card

I am XXXX XXXX XXXX. I have been using care credit/Synchrony bank for the past few years.When I first signed up I requested my bill to be sent through US postal service. Any contacts through text message. Everything was fine with receiving bills by mail.It wasnt until the last few months paper bills stopped and I started getting COURTESY TEXTS to pay my bill. I thought nothing of this since it was a courtesy text. Actually thought it was nice of them. As soon as I got text I called payed bill over phone. I had no problem with paying like this since I requested text notification. It wasnt until I received a text to pay bill. I called care credit it then dawned on my my balances are going up not down. I spoke to a representative XXXX she informed me that these courtesy calls were actually LATE payment reminders not my monthly bill to pay. She said company switched to electronic billing and I should of been notified.I told herI was mot notified. I would never agree to pay XXXX dollars interest on XXXX dollar payments. She checked and said I DID NOT have electronic account set up. She did offerbto help me to set it up.Since they were aware I wanted to be billed by mail I became upset over the the interest I was paying each month and not even being aware till recently. How could I possibly pay a bill electronically not knowing anything about an electronic account? I was told they can only remove 1 late payment. I requested to speak with a supervisor. Supervisor XXXX XXXX spoke with me. She seemed not to want to be bothered and was unprofessional and rude. I explained the above to her. She came to the conclusion I was notified and that I WAS NOT THERE ONLY CUSTOMER. IT WAS NOT THERE RESPONSIBILITY TO NOTIFY ME PERSONALLY. XXXX XXXX refused any additional help. Yes I was upset thats expected. XXXX as supervisor should of behaved in a professional manner for which she did not.She should of gotten another account manager who could react in a professional manner when she no longer could.I am requesting the above complaint to be investigated and all late payments returned to me.

I am thanking you in advance for any help you can give me. 
XXXX XXXX
Product: Mortgage

Please see the full details in the attached letter. 

Nationstar /Mr. Cooper was sending the invoice to the incorrect address and made no other attempts to contact me or leave a message. 

They have not responded to my requests to remove the single blemish from my otherwise perfect credit report.
Product: Money transfer, virtual currency, or money service

I was promised 3 tickets to a concert. The seller did not actually have tickets. They have scammed numerous people lately.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX   XXXX   XXXX , MN  XXXX   XXXX , has submitted to all  XXXX  credit reporting agencies that this account is owed, I have contacted  XXXX  about this and told me they would research it ( which was aroun d 3-4 years ago and nothing. I have con tacted all  XXXX  credit report agencies and they have not done anything about it by remov ing it ( only t hey added a comment : : Consumer disputes this account information ) which is harming my credit and has now for several years. please help
Product: Checking or savings account

bofa refuses to credit my acount my checking acount with the money that was stolen from my acount by hackers my acount was hacked by hackers and a substantial amount of funds stolen from my checking acount and b of a refuses to credit my acount with this fund amount that was stolen from my acount.?