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

I disputed a account on my credit report XXXX XXXX Account XXXX as it being inaccurate, experian investigated it and responded with a message stating Our reinvestigation of the dispute ( XXXX ) and/or other request ( XXXX ) you recently submitted is now complete. If we were able to make changes to your credit report based on information you provided, or if you requested the addition of a statement, we have done so. Otherwise, we have contacted the company reporting the information you disputed, supplied them all relevant information and any documents you gave us with your dispute, and instructed them to : review all information we provide them about your dispute ; verify the accuracy of the information ; provide us a response to your dispute ; and update their records and systems as necessary. This is a violation of my privacy by giving out my provided documents to a debt collector
Product: Mortgage

My current mortgage is under my name and my XXXX XXXX XXXX name. I have applied for a qualifies assumption to have the mortgage in my name only and have followed the banks directions. I started the process in XX/XX/2018 and was told that it will take 60-90 days. Bank of America keeps asking for different documentation and documents that they know it is not available. Then they closed this application as incomplete in XXXX knowing that the court document won't be available 2 weeks later. Now the application is open again. They again asked for documentation that is not available because this case is in court. My credit very well qualifies. The bank has qualified me for a full refi ( closing costs over { {$5000.00} } ) so my suspicion is that the mortgage assumption is not as lucrative as full refi which I do not wish to pursue, please help me. If I started a refinance application with another bank, it would only take 30-45 days. It has been 5 months and the application is not approved.
Product: Credit card or prepaid card

I was shocked when I reviewed my credit report and found late payment on the dates below : I SHOULDN'T HAVE ANY LATE PAYMENTS ON THIS ACCOUNT - NEVER LATE! 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Product: Money transfer, virtual currency, or money service

I am 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. Dispute using numerous of times and reporting discrepancies my financial information and Zelle failed to investigate my claims adequately.They informed me that recovering lost funds was impossible and tracking these transactions was infeasible. The CFPBs findings indicate that zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams.This lack of accountability and transparency is unacceptable and raises concerns about consumers safety.
Product: Mortgage

I have an open ended equity loan for at least 6 years. I have a business and recently needed some money from my equity loan. I tried to transfer the money online from the equity to my regular checking account - was not able to process. 
I went to my local branch, was told it's active and they would try to assist. They were not able to proceed either, told me to contact their customer service department. 
I spent hours on the phone with them, transferred multiple times to other agents, still no solution. 
As of this date ( XX/XX/year> ) I still do not have the money and no one can assist me any further. 
This is completely not acceptable - I want to file a formal complaint against Citizens Bank.
Product: Debt collection

After Hurricane Maria passed I went to XXXX on XX/XX/2017 to have all lines switched over. It wasn't until two months later that I was notified that XXXX XXXX still had an open revolving account. XXXX did not switch all lines and the reason how I found out is because I was waiting on a final bill from XXXX XXXX to have XXXX process electronic visas to pay off the XXXX XXXX account. There were additional charges added which I notify XXXX about. I also notify XXXX XXXX that they did not have my correct address on file and that's why I never heard anything from them. I am currently still waiting on XXXX to process those electronic visas to pay XXXX XXXX. By the time two months had pass when I found out about the account still being open I had been laid off by my employer. I became XXXX and have not been able to obtain employment to make any payment of my own.
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 confidentially under 15 USC 1681. 

XXXXXXXX XXXX XXXXXXXX XXXX has violated my rights XXXX XXXX XXXXXXXX has violated my rights XXXX XXXX XXXXXXXX XXXX has violated my rights XXXX XXXX XXXX XXXX has violated my rights 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
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The inaccurate personal information below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX, and XXXX XXXX XXXX XXXX, NY XXXX, and XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, FL 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 : States a consumer reporting agency can not furnish a account without my written instructions.
Product: Bank account or service

I just learned of an overdraft on my account and unaware of the occurance. I believe the transaction was fraudulently done. I currently have a temporary debit card. I currently have a negative account with Bank of America now in the amount of about {$350.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have noticed I have many instances of misinformation reported about me, either the misinformation stems from inaccurate reporting, incomplete reporting, reporting of unverifiable information, reporting invalid information, fraudulent reporting of information, or reporting of information I believe is due to identity theft. I have no knowledge of how the misinformation stemming from the above came about to be. I have not authorized misuse of my personal, financial or any information. I have never to my recollection received any benefits of product, services, or otherwise real or imagined due to the aforementioned causative possibilities of misinformation. Please physically verify the validity of any and all notations, every date, the balances and calculations, each accounting record, whether reported or not to include required Metro 2.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I disputed the accuracy and completeness of information reported by XXXX in regards to a bankruptcy showing on my credit report. I made it clear to them that I am disputing the accuracy of the information provided to them by a third party information furnisher. I specifically stated and provided evidence showing that the name and address provided by the information furnisher does not match my name or address, but yet they continue to report this inaccurate information. In accordance with section 609 of the FCRA I demand that this inaccurate information be deleted from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to contact XXXX, Equifax, XXXX, to dispute an account, in which ; the statutes of limitations have already expired. The bureaus are currently reporting in correct dates on my credit report. XXXX, Equifax, XXXX has failed to remove the account accordingly. I have contacted the bank to request, proof of validations pursuant to the Truth in Lending Act. According to the bank, they could n't comply because the account was to old to be validated. After notifying XXXX, Equifax, XXXX of set forth information, I requested them to delete the account. I have yet to see them comply with my request. I would like to formally, and respectfully request your assistance in this matter. Please note, that time is of the essence. 

Acct Name : XXXX XXXX BANK Acct # : XXXX
Product: Credit reporting or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The ITEMS I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Dear Transunion I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 


1. 15 U.S. CODE 1692e - False or misleading representations XXXX XXXX XXXX Account Number : XXXX Update to Open/Never late 2. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Please remove it from my credit report. 

3. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX  Date of inquiry : XX/XX/year> Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is reporting a collection account ( # XXXX ) in Other Accounts section of my Equifax credit report, in violation of FDCPA and FCRA reporting regulations. Collections must be reported in the Collections portion of credit reports. 

The attached documents prove that XXXX XXXX XXXX is reporting this account incorrectly and is in violation of the law.
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 XXXX XXXX # XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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: Payday loan, title loan, or personal loan

I have an overdraft line with Bank of America, rarely use it. I used the line late XX/XX/XXXX after not having used it for most of XXXX. 

I login to Bank of America website everyday to see my balances and make sure everything is okay. 

On XX/XX/XXXX, I received a credit alert from my credit monitoring service that my score dropped from XXXX to XXXX overnight, due to a late payment reported by Bank of America on this credit line. Looks like they expected a payment of {$25.00} by XX/XX/XXXX and did not acknowledge that I paid {$25.00} on XXXX and another XXXX on XX/XX/XXXX. 
. 
I called bank and made a complaint and asked them to reverse the late status which they reported to credit bureaus. 

They sent me a letter dated XX/XX/XXXX that they investigated, they are correct, I was late, and they will not remove the late status from my account. 
I consider their actions unfair, unlawful and egrigious. My credit score dropped by XXXX points overnight due to this erroneous reporting. I want the late status removed from my credit report.
Product: Student loan

My XXXXXXXX XXXX ( Subsidized and Unsubsidized ) from my Undergraduate and Graduate degrees were consolidated by Navient into private loans ( XXXX ). The rationale they provided was that since the loans ( provided as a part of my financial aid packages ) were funded by private lenders prior to 2010, they do not qualify as department of Education loans, and are in fact private loans. 

This classification of my XXXX loans as private loans makes me ineligible for Public Service Student Loan Forgiveness for which I would qualify ( XXXX XXXX for over 20 years ). They will not reclassify the loans. 

I have no idea how to proceed to get my loans reclassified correctly. Navient, in their correspondence, is not helpful.
Product: Credit reporting or other personal consumer reports

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. 
It has been XXXX days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 
These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( XXXX ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY! 

I am writing to formally dispute and bring to your attention a serious concern regarding a potential or confirmed data breach involving my personal information. It has come to my attention that my sensitive data may have been compromised because of inadequate data security measures on your part. 

Under federal and state consumer protection laws, including but not limited to the Fair Credit Reporting Act ( FCRA ), the Gramm-Leach-Bliley Act ( GLBA ), and applicable state data breach notification laws, companies are required to implement and maintain reasonable security procedures to protect consumers personal information and to promptly notify them in the event of a breach. 

I believe your company has failed to uphold these responsibilities, resulting in potential harm to my financial and personal privacy. If this breach has resulted in fraudulent activity on my credit file, financial accounts, or otherwise, I am requesting that you immediately : Provide a detailed account of the data that was compromised ; Disclose the date and method by which the breach occurred ; Explain the steps your organization is taking to remediate the situation ; Provide documentation of your compliance with data protection laws ; Correct any errors on my credit file caused by this breach ; Provide complimentary credit monitoring and identity theft protection services for a minimum of 12 months. 

Please be advised that I am aware of my rights under the FCRA ( 15 U.S.C. 1681 ), which allows me to dispute inaccurate or incomplete information on my credit report. You are required to investigate and respond to this dispute within 30 days of receipt. Failure to do so may result in a complaint filed with the Federal Trade Commission ( FTC ), the Consumer Financial Protection Bureau ( CFPB ), and/or my states Attorney General. 

Please respond to this dispute in writing within 30 days. If you fail to respond or resolve this issue promptly, I reserve the right to pursue further legal action.
Product: Credit reporting or other personal consumer reports

Avant LLC failed to report accurate information to the 3 major credit reporting agencies after submitting several disputes. Online portal fails to provide detailed account information referring to days past due on such loan which also include company representative providing false information regarding account status. Avant LLC offers unfair and deceptive loan servicing practices. Company failed to provide detailed information regarding accurate payment history. I am requesting Avant LLC to remove all derogatory marks from my credit report
Product: Credit reporting or other personal consumer reports

Preferred Credit has an account that is being reported that is not mine. Instead of removing the account, the company has closed the fraudulent account. I have asked for months for the account to be removed. They have not been in response of certified letters being sent to them monthly. I have asked for wet signature of mines and they are updating the information. They are in violation of the FCRA law and my rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested my information from Equifax XX/XX/XXXX and upon receiving it my birth date along with other personal information was correct. I disputed what I could via online XX/XX/XXXX and then I faxed a letter ( 1XX/XX/XXXX ), a copy of my ID, a W2, and a bill to show the correct information. Still my birth date that another individual was allowed to change was not changed to my correct DOB. Fast forward to XX/XX/XXXX I mailed a letter with the same information that I faxed XX/XX/XXXX and still my information has not been changed with Equifax. I can not request a copy of my file because my information does not match, when I call i'm told to fax over proof of my identity to be able to obtain my own credit file. They are constantly giving out data pertaining to me to everyone but me and it is incorrect.
Product: Credit card or prepaid card

Dear CFPB : I have a Chase XXXX Credit Card with the last four digits - XXXX - for more than 6 years. On XXXX XXXX, 2021, I found that there were 8 unauthorized transactions on this XXXX credit card XXXX XXXX XXXX from XX/XX/2021 to XX/XX/2021. 


XX/XX/2021 {$11.00} at XXXX XXXX XXXX XX/XX/2021 {$130.00} at XXXX XXXX XXXX XXXX XX/XX/2021 {$1200.00} at XXXX XXXX XXXX # XXXX XX/XX/2021 {$12.00} at XXXX XXXX XX/XX/2021 {$21.00} at XXXX XXXX  XX/XX/2021 {$14.00} at XXXX XXXX XXXX XXXX XX/XX/2021 {$3.00} at XXXX XXXX XX/XX/2021 {$1.00} at XXXX XXXX On XXXX XXXX, I informed Chase Customer Service about the credit card fraud issue XXXX Actually, I didn't lose my physical XXXX credit card. It is always on hand. So I wondered why there were 8 fraudulent charges on my Chase card. The Chase Customer Service did not give me any reason about how the 8 unauthorized transactions happened, although they helped me dispute those charges and sent me a replacement card with the different last four digit. On XXXX, I learned that Chase was figuring out the product change from the " XXXX Credit Card '' to " The XXXX XXXX XXXXXXXX Card ''. So they sent me a new XXXX XXXX of XXXX XXXX XXXX the last 4 digits are still XXXX ) on XXXX. I am definitely sure that someone stole/picked up my delivered package including the XXXX XXXX of XXXX XXXX XXXX XXXX ) and used it to go shopping. However, I didn't receive it and activate it. 

On XX/XX/2021, I received a notice letter about my credit card issue from the Chase fraud department. Except for one transaction on XXXX XXXX, I am responsible for 7 other transactions. I called the Chase Customer Service and Chae Fraud Department to let them that the XXXX transactions are unauthorized by me. It is not reasonable that I am responsible for the 7 unauthorized transactions. My reasons are as follows. 
XXXX ) The Chase bank mailed me a new credit card. But I was not informed in advance. 

XXXX ) I did not receive the new " The XXXX of XXXX XXXX ''. I did not activate it. I wondered why someone can use an inactivated credit card. Recently, I just learned that any new replacement credit card issued from Chase can be used directly without being activated. I would say that this is a serious defect of Chase credit cards about the fraud protection. 

XXXX ) According to the investigation notice letter, a 11.22 dollar charge on XXXX XXXX XXXX XXXX XX/XX/2021 ) is determined as an unauthorized transaction. I wonder why 7 other charges ( XXXX ) are completely my responsibility. 

XXXX ) I only received one fraud alert message for one unauthorized transaction. 

The attachment file includes a statement with the 8 unauthorized transactions and the notice letter.
Product: Money transfer, virtual currency, or money service

A certified check was mailed out to me for payout of an alimony settlement. It was unfortunately sent to an old address. I was unaware of this check being mailed until many months later when it was brought up in court. I then reached out to Bank of America to start a stop payment on the certified check. The banker at the location of XXXX XXXX  XXXX XXXX, DE assisted me in an investigation and gave me a claim number as he told me a Stop Payment couldn't be issued as the Certified Check was deposited already. This was in XXXX and I can't remember the gentleman 's name, but he was a XXXX  man. The following day I called the bank with the investigation claim number and they said they can no longer assist me and they won't be looking into the matter anymore unfortunately. I was then hung up on and have had XXXX help trying to track down my certified check from Bank of America. The check was dated for XX/XX/XXXX. it was check number XXXX and it was a sum of {$240000.00}. I'm at a loss for how to recover the funds if the bank won't assist me in the investigation. Thank you for your help and attention to this matter.
Product: Debt collection

This company RECEIVABLE PERFORMANCE which I hold NO CONTRACT with has attempted to collect a debt I DO NOT OWE! They have put this collection against my SSN in the amount of {$1300.00} I have asked for verification of this debts on THREE different occasions and they have failed every time to show proof of this said debt! This debt WAS DELETED from my report but REINSERTED on my credit report WITHOUT THE 5 DAY NOTICE! 
I AM REQUESTING THAT THIS ACCOUNT BE DELETED AND REMOVED INDEFINITELY FROM XXXX, XXXX, AND XXXX  IMMEDIATELY! 
IN ADDITION I WANT THIS BUSINESS TO HAVE NO CONTACT IN ANY FORM WITH ME REGARDING THESE ACCOUNTS. LASTLY I WANT MY PERSONAL INFORMATION REMOVED AND DELETED FROM THIS COMPANIES DATABASE, IMMEDIATELY