23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I am filing this complaint regarding a debt reported by XXXXXXXX XXXX XXXXXXXX XXXX related to a previous debt with Tempoe LLC. The amount reported is {$420.00}. 

In XX/XX/year>, Tempoe LLC entered into a settlement agreement with the Consumer Financial Protection Bureau ( CFPB ), agreeing to forgive certain consumer debts related to their leasing practices. It is my understanding that this settlement applied to all debts owed to Tempoe LLC under specific circumstances, and the debt in question may have been forgiven as part of this agreement. 

However, despite this settlement, XXXXXXXX XXXX XXXX XXXXXXXX continues to report the debt on my credit report and is attempting to collect. I requested written validation of the debt, as required by law, but XXXXXXXX XXXX XXXXXXXX XXXX directed me to their website, which only provides the original debt contract. This does not meet the legal requirements for proper debt validation under the Fair Debt Collection Practices Act ( FDCPA ).

Timeline and Actions Taken : XX/XX/year> : Tempoe LLC settled with the CFPB, agreeing to forgive certain debts. 
Date of Reported Debt : The debt of {$420.00} is listed on my credit report by XXXX XXXX XXXXXXXX XXXX. 
Debt Disputed : I requested validation of the debt, but the collection agency only provided a link to their website showing the original debt contract and refused to provide the additional documentation required under the FDCPA. 
My Request : I am seeking that XXXXXXXX XXXX XXXX  XXXX provide proof that this debt is not part of the settlement or remove the debt from my credit report due to its potential invalidity. Even if the debt is not part of the settlement, it should still not be collected or reported because Tempoe LLCs practices were part of a larger lawsuit. The company was sued for their unfair leasing practices, and the collection of these debts is contrary to the terms of the settlement and the allegations against Tempoe LLC.
Product: Student loan

Mohela sent me a letter saying even though my loans were in forbearance they will accruing interest. I am in the XXXX plan which has XXXX interest during this litigation process.
Product: Checking or savings account

This is a very confusing situation so I will do my best to summarize it. On XX/XX/XXXX I made 2 checking account transfers from my Bank of America checking account to my XXXX checking account, each for {$800.00}. The first transfer went through and the second transfer vanished. Meaning {$1600.00}. was withdrawn from BofA but only {$800.00} ever made it to XXXX. I have been going around in circles with BofA for months now and getting wrong information and the run around. They have stated that because I authorized the transfers ( which I did ) that they will not reimburse me for the missing money. I was originally told from BofA that this was a duplicate transfer so that we should proceed as such effectively canceling one of the transfers. I have trace numbers, bank statements, etc. They have also admitted they do not know where the second transfer went but stated it's not the banks fault. XXXX number # XXXX is the one that apparently no one can find. 
Originally when I called them they said wait a few days just in case. I called back a few days later and they helped me to file a claim ( XXXX ) however we didn't know if it was the first transaction or the second one that did not go through, so when we filed the claim BofA just took the {$800.00} back from XXXX on XX/XX/XXXX and called it a Misc. Credit Adjustment. This was my money to begin with and not a favor from BofA. XXXX called it a funds transfer return and charged me a {$5.00} fee. I called back again after I realized this and BofA opened another claim ( XXXX ) and issued a temporary credit adjustment for {$800.00} on XX/XX/XXXX while they looked into the matter. That adjustment has since been taken back by BofA because they do not know where the money went. I have written 2 statements and faxed BofA my bank records from XXXX showing that only {$800.00} ever made it and the second transfer vanished. Just that info alone should be enough to realize that {$800.00} just vanished and because they don't know where it went is not my problem. All the other info BofA is stating about authorizations, etc. is irrelevant is they do not know where the money went. Again they have trace numbers and records of both accounts but somehow this is not their problem.
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 XXXX  Account XXXX : XXXX Account Name : XXXX XXXX XXXXXXXX Account XXXX XXXX XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX has violated my rights. Or 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.
Product: Credit reporting or other personal consumer reports

Due to the multiple data breaches across the country, including the exposure of personal information such as my Social Security number, unauthorized accounts were opened in my name. As a result, my credit report was negatively impacted, and I was recently denied a mortgage while trying to purchase a home. All unauthorized accounts have been listed in this report for further review and action XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$600.00} XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX {$980.00} XXXX XXXXXXXX XX/XX/XXXX {$2500.00} XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX {$5500.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Received an email saying a new account is on my credit report. I did not open any new account. Lender Name XXXX - XXXX XXXX - XXXX XXXX  XXXX XXXX XXXXXXXX, KS XXXX Phone Number XXXX
Product: Credit card or prepaid card

I accidentally paid my credit card twice, and I called them to let them know. I was paying the full balance as of XX/XX/XXXX and balance should've been {$0.00}. 
I called them to notify them that I accidentally pressed pay twice and they said I have to call my bank after the charge is made. When I saw it on my bank statement, I checked my credit card and found they credited the extra charge to my account. The problem was, that the {$3100.00} they should've credited, was now, {$2400.00}! I checked my purchases that I made last night, and they added up to about {$270.00}. How could my balance that was credited to my account be {$2400.00}? I tried to check my statements, There aren't any! 
They just show the charges, but I feel that based on my charges and payments, I may have been overcharged since I've owned this card. I don't want to use this credit card anymore. They are dishonest.
Product: Debt collection

Synchrony Bank and Paypal loan account ends in XXXX is charging for an orders I did not place and did not receive. One purported order I was charged {$530.00} and the second was for {$810.00} totalings {$1300.00}. Yesterday someone tried to charge {$80.00} unbeknownst to me. This fraud has to stop, being nothing I agreed to I am unwilling to pay. PayPal/XXXX gave me phone numbers to the supposed seller vendors regarding these fraudulent orders, which I called. I contacted the seller vendors the first one with the amout {$530.00} said no way could we have taken any orders we had a child pass away and can not run any business. The second for the amount {$810.00} agreed to credit my account back they never mailed out any order to me and have no clue what this is about. I need this corrected ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit Bureaus stated 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 XXXXXXXX # XXXX XXXX # XXXX XXXX # XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX Were all properly investigated but how is that possible if there are still numerous inaccuracies on my credit report amongst all three Credit reporting agencies with more than 3 inaccuracies and inconsistencies per account such as, the date last active, open date, credit type, account rating and more. This is grounds for removal They also violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish an account without my written instructions. 
They also violated my rights under 15 U.S.C 1681 Section 611 ( 2 ) ( a ) : The law clearly states the credit bureaus have 5 days to notify me from when they receive my disputes. 

They also. Violated my rights under 15 U.S.C 1681 Section 611 ( 5 ) ( a ) ( I ) ( ii ). The law clearly states if items are found inaccurate or can not be verified the consumer reporting shall promptly delete the information from the file of the consumer. 

Now is not the time to update, I demand that you IMMEDIATELY DELETE this inaccurate information from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

contact about credit report no available called on XXXX to get lifted was told it was done. XXXX week it was not done on the XXXX called againd said it was done was baks problem called again on the XXXX was on hold for XXXX hr XXXX min XXXX sec. got told nothing they can do have to wait and get exculated with no time frame no explanation of problem this is a new business i purchased and need my credit ran and this is the XXXX time this has happed with equifax i have a complaint that was filed last yr. they can control what a man gets and does with no responsibilty to who it hurts and concers half the people you cnat understand, have documentations of time on phone and names, first XXXX was XXXX XXXX XXXX XXXX this time after forever on hold a lady with an attitude ( XXXX XXXX told me that I was just a pain and get over it after explaining myself and the problem tole me to bad no time frame to correct or even what the problem was. have sent them my driver 's license at least XXXX  times and my ss card as many. XXXX is using their control over people for whatever they feel fit without any repercussions they are not controlled and have all the control. This need to end as this is my XXXX time around in XXXX  months and probable because i complained here.
Product: Credit reporting or other personal consumer reports

-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  The above company names and dates are fraudulent inquiries reported on my XXXX credit report that I did not authorize. 


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 The above company names and dates are fraudulent inquiries reported on my Experian credit report that I did not authorize. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The above company names and dates are fraudulent inquiries reported on my XXXX credit report that I did not authorize
Product: Credit reporting or other personal consumer reports

Synchrony Bank has charged me a late fee even-though i filed this dispute on XXXX before the due date ( XXXX ). 

I just called Synchrony Bank and spoke with XXXX reps : a supervisor and another agent who gave me information contrary to what CFPB notified me of yesterday ( XXXX ) : that the company is still working on the issue. 
Synchrony Bank just told me on phone that they closed this Dispute on XXXX WITHOUT NOTIFYING ME OR CFPB.
Product: Credit reporting or other personal consumer reports

Privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXX XXXX XXXXXXXX  Act # XXXX XXXX Acct # XXXX {$1300.00} XXXX XXXX XXXX XXXX Act # XXXX {$280.00} XXXX XXXX Act # XXXX {$610.00} XXXX XXXX XXXX XXXX Act # XXXX {$360.00} XXXX XXXX Act # XXXX {$1100.00} XXXX XXXX Act # XXXX {$1600.00} States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : also states a consumer reporting agency can not furnish a count without my writing instruction.

15 U.S.C 1681c. ( aX5 ) 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 1681 s-2 ( AX1 ) a person shall not furnish any information or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

My information was disclosed/Shared to a third party without my permissible purpose or written/verbal consent! As per the FCRA, as a Federally Protected Consumer, I am now OPTING OUT of ANY and ALL Authorization that I, XXXX XXXX XXXX, may have given the data furnisher ; whether written, unwritten, verbal or non-verbal as per : 12 CFR 1016.7 ( a ) ( 1 ) ( ii ) - Form of opt-out notice to consumers ; opt-out methods 15 USC 6802 ( b ) ( 1 ) ( A ) ( B ) ( C ) - Obligations with respect to disclosures of personal information ***This Opt-Out Authorization is effective IMMEDIATELY and INDEFINITELY! My Financial information was shared with Early Warning Services without My Consent. I do not want any of my financial information about my checking account shared with early warning systems in anyway.

Please Follow The Law Accordingly 15 U.S. Code 6805 - Enforcement ( a ) In general Subject to subtitle B of the Consumer Financial Protection Act of 2010 [ 12 U.S.C. 5511 et seq. ], this subchapter and the regulations prescribed thereunder shall be enforced by the Bureau of Consumer Financial Protection, the Federal functional regulators, the State insurance authorities, and the Federal Trade Commission with respect to financial institutions and other persons subject to their jurisdiction under applicable law
Product: Credit reporting, credit repair services, or other personal consumer reports

I obtained my XXXX  and Experian credit report there were US Bankruptcy Court items listed on my credit report as per the FCRA 623 ( a ) ( 5 ) if the credit bureau can not validate the information with the original creditor they must remove the said information. XXXX  and Experian has failed to provide me with the requested information, which is a Fair Credit Reporting Act Violation because they are supposed to verify with the original creditor. Experian sent a response stating that they have already verified the information and will not verify it again. I contacted the US Bankruptcy court and they said that they do not verify information with the credit  bureau. I also received a copy of my XXXX XXXX report and it does not show a bankruptcy record on my XXXX XXXX report. I need all the Bankruptcy information currently showing under my social security number permanently deleted from my credit report immediately. Attached is a copy of the XXXX XXXX report showing no bankruptcy record and a copy of my XXXX  report showing 2 of the bankruptcy 's deleted and I thought that the credit bureaus use the same method of verification.
Product: Money transfer, virtual currency, or money service

Person advertising selling ticket for XXXX XXXX  concert on XX/XX/XXXX for {$430.00} after I sent the money via XXXX through Bank of America they sent me the ticket via email XXXX  and ask me to send {$300.00} for ticket fee. The person said in order for ticket to be release I must send in another {$300.00} I denied to do so and realized the email they sent about the ticket was a scam.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act 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 CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN PERMISSION.
Product: Debt collection

In XX/XX/XXXX, I responded to a letter about credit cards from XXXX XXXX. XXXX XXXX sold the account to Portfolio Recovery and I advised them that the amount claimed owed from XXXX XXXXXXXX was inaccurate because payments/refund from a cancelled cruise in XX/XX/XXXX was credited to the account. I also wrote to XXXX XXXX in XX/XX/XXXX. Both responded as if no payments were returned to XXXX XXXX. Portfolio Recovery provided copies of billing statements up to XX/XX/XXXX, and did not provide any statements showing credit/payment for the cancelled XXXX cruise. 

I just discovered that Portfolio Recovery have reported the account to XXXX even after failing to validate the amount owed during the validation period,
Product: Credit card

On XX/XX/year> I paid {$610.00} for veterinary services when Chase was offering a 5 % cash back bonus. I only received 1 % cash back. I called them at the beginning of XXXX and was told that it should have been 5 % and they would review and get back with me. I never heard back and never received the points I was supposed to gain.
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not own this debt.This vehicle was stolen   XXXX    2016. P olice Report #  XXXX . The car was never recovered. I filed a loss through my insurance company, which was a paid valid insurance policy. United Auto Acceptan ce ( UAA ) needs  to contact the insurance company to discuss payment of the vehicle balance. I am requesting full valid proof of this debt. Along with the person 's name, position and number who physically validates this debt and as to why United Auto Acceptance refuses to go after the correct owner of this debt. If United Auto Acceptance can not properly and accurately provide with the proof, I request that this debt that I do not owe be removed
Product: Credit reporting or other personal consumer reports

KeyBank / Keycorp states they will not share information with non affiliates yet they have.. XXXX XXXX is co-owned by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and is NOT an affiliate. 
XXXX XXXX XXXX previously stated erroneously that they were given permission by KeyBank / Keycorp which is not true. They again admitted to having this information and that they would delete it. XXXX XXXX XXXX had no authorization to have this information at all AND Keybank/ Keycorp stated they would not furnish. 

Privacy act of 1974 states Section 522a section B ( b ) CONDITIONS OF DISCLOSURE.No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains, unless disclosure of the record would be ( 1 ) to those officers and employees of the agency which maintains the record who have a need for the record in the performance of their duties ;
Product: Credit reporting or other personal consumer reports

I am submitting a second formal request to correct my credit report. In my previous dispute, submitted on XX/XX/XXXX, I have not received an adequate or satisfactory response regarding the incorrectly reported late payments. 

It is important to note that the payments in question occurred during the XXXX pandemic, following my job loss due to the crisis. Under the XXXX XXXX, signed into law on XX/XX/XXXX, and extended until XX/XX/XXXX, credit reporting agencies were required to stop reporting negative information for consumers affected by the pandemic in certain circumstances. This law amended the Fair Credit Reporting Act ( FCRA ) to protect consumers like me who experienced financial hardship due to COVID-19-related job loss.

I am requesting that you review the late payments listed on my credit report during this period and update the information to Paid/Agreed for the applicable months and years. This dispute refers to the following incorrectly reported payments : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX
Product: Money transfer, virtual currency, or money service

I was selling furniture on XXXX and had a buyer for it. He sent me a cashiers check for a larger amount than the offer for the furniture. The buyer told me that the extra money would be for the people picking it up. The cashiers check was for {$2300.00} vs. the amount for the couch of {$250.00}. I went to the bank on XX/XX/XXXX thinking that if the check was not valid, they would not cash it and vice versa. I went to the Bank of America branch in XXXX XXXX, CA and they cashed it in full for me as I was to give cash to the movers picking up the furniture. The buyer than told me there was a change in plans and the movers needed the money before scheduling the move, so I transferred {$2000.00} via XXXX that same evening. I realized later that evening that this was part of a scam and I called the fraud department for Bank of America and had no luck. I went to two different branches and they told me that if the cashiers check turns out to be fraudulent, I would be responsible for the funds. What made me upset about Bank of America is that they were easily and quickly able to identify that the cashiers check was not legitimate as it was missing some information, but the lady that cashed the check the day before did not catch it. They also told me that Bank of America would be quick to discontinue the relationship that I have had with them as a customer for 9 years. The check has proven to be insufficient and my account sits at - $ 2,000+. I have filed a report with the police department, the federal trade commission, and have voiced my situation with BOA a few times. They refuse to help me during this time and made it clear that I was responsible for the money. I do not feel valued nor protected as their customer, and am disgusted at the inconsistent training of their tellers. Had the man I spoke with the very next morning been the one to receive the cashiers check the day before, he would have caught this errors, or had the teller been trained correctly in identifying fraud checks like he was able to, I would not be in half of the situation I am now. I am now being harassed by the supposed buyer, have been through loops to get this resolved or any help, and am furthering this process by reporting to the internet crime complaint center. I mention the steps that I am taking so that you can understand that I was a victim of fraud and did not know this until after cashing the check and transferring to them unfortunately. I am trying every source that I know to help rectify the situation, and BOA will simply not help nor protect me in any way. I have attached pictures of the cashier 's check and have further documentation via text messages and emails regarding all communication between myself and the fraudulent buyer, as well as the email that they had my transfer the money to. I can easily supply this communication from texts and emails when requested, as this is captured through multiple screen shots.