23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX a collection account has been wrongfully placed on my credit report BY your office and you are being held responsible from here on your currently reporting is 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 ..to whom this may concern I want to inform your office that you are in violation of fcra and fdcpa. you have violated my rights by reporting salse inaccurate information by placing these false accounts on my consumer credit report..the list of collection that are reporting has not been opened by me I have no knowledge of them, be advise by law I have the right to PRIVACY and you the credit reporting agencies have violated it..the list of accused collections accounts and dates FOLLOW AS : XXXX XXXX opened on XX/XX/XXXX balance reported {$2400.00}, XXXX XXXX opened XX/XX/XXXX balance reported {$8000.00}, XXXX XXXX XXXX  XXXX opened XX/XX/XXXX balance {$7900.00}, XXXX opened XX/XX/XXXX balance {$0.00} XXXX XXXX opened is XX/XX/XXXX balance {$0.00}, XXXX XXXX XXXX XXXX opened on XX/XX/XXXX balance {$5100.00} XXXX XXXXXXXX XXXX XXXX XXXX opened XX/XX/XXXX balance {$1000.00} XXXX XXXX XXXX opened XX/XX/XXXX balance {$4100.00}, XXXX XXXX XXXX opened XX/XX/XXXX balance {$770.00}, XXXX XXXX XXXX opened XXXX XXXX XXXX balance {$4300.00}, XXXX  XXXX XXXX opened on XX/XX/XXXX balance {$2000.00}, XXXX opened on XX/XX/XXXX balance {$0.00}, XXXX XXXX XXXX  XXXX XXXX opened on XX/XX/XXXX balance {$7900.00} XXXX XXXX opened XX/XX/XXXX balance {$0.00}, XXXX XXXX XXXX opened XX/XX/XXXX balance {$1000.00}, XXXX XXXX I opened XXXX XX/XX/XXXX balance {$4100.00}, XXXX opened on XX/XX/XXXX balance {$0.00} XXXX opened on XX/XX/XXXX balance {$0.00} ... BY LAW WHEN AN CONSUMER STARTS A DISPUTE WITH A CREDDIT REPORTING AGENCY, THE ACCOUNT THE CONSUMER IS DISPUTING MUST BE DELTED UNTIL FURTHER INVESTIGATIONTHE CREDIT REPORTING AGENCIES AS FOLLOW : XXXX, XXXX AND EQUIFAX ARE CURRENTLY IN VIOLATION AND HAS VOLATED MY RIGHTS UNDER FCRA AND FDCPA, under 15 U.S. Code 1681 Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods and undermine the public confidence which is essential to the continued functioning of the banking system ( b ) Reasonable procedures It Is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit. personnel, insurance, and other information In a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapt
Product: Mortgage

Bank of America completed a loan modification ( under the National Mortgage Settlement agreement - NMS ) on our XXXX mortgage around XXXX XXXX ( loan XXXX ). When we began the process of modifying the XXXX loan, we consistently inquired verbally and by email about modifying the XXXX loan ( XXXX ) which was and still remains with Bank of America. Our concern was that we would still be under water if the XXXX remained on the property. This worried us and was a key point that was communicated many times during the XXXX loan mod process ( we have emails on record ). We were told repeatedly by BofA employees that the XXXX would be extinguished after the XXXX loan was modified. Our recent research shows that under the NMS, BofA would have to extinguish their XXXX lien if the XXXX was successfully modified. We were pushed off repeatedly through the trial period with the same excuse that the XXXX would be addressed after the XXXX was completed. After our trial period, a BofA employee told us verbally that the second lien had been " sold '' and that they could no longer honor any extinguishment. Since then we have discovered that this was a lie. BofA has always held the note on the XXXX but failed repeatedly to take any actions to extinguish or modify the XXXX. In fact, they were completely unresponsive to our requests saying that the XXXX had been re-assigned/sold to their Servicer, XXXX XXXX XXXX ( XXXX ). XXXX has always denied that they 've ever owned the XXXX but that the note has always been held by BofA. We remained in this limbo until today! This type of unfair practice has caused us tremendous financial stress as the XXXX lien has occupied all of the equity in our home since XX/XX/XXXX and limited our financial options for survival. BofA 's tactics eventually forced us to file for bankruptcy in XX/XX/XXXX a few months after our XXXX was modified. Firstly, I strongly believe that BofA acted illegally under the terms of the NMS agreement. Secondly, I believe BofA used unfair, predatory business practices by initially telling me they would extinguish the XXXX and then misleading me into thinking they sold it. A BofA representative told me by phone today that he apologized and that the information he had given me last week about the ownership of the XXXX loan was incorrect, he confirmed that his research showed that BofA has always owned the second. I have no words to describe how violated I feel. Please help.
Product: Money transfer, virtual currency, or money service

On XX/XX/ I attempted to send {$200.00} to my granddaughter via CashApp. Her account is part of a family account due to her age, and her mother is the owner of the family account. Because of this type of account, my granddaughter is only allowed to receive a certain amount of funds each month. At the time We were unaware until AFTER I attempted to send the funds that shed already received the maximum amount for that month, and that caused an automatic rejection of the funds, by CashApp and an automatic refund which meant the funds should have gone directly back into my account. They did not! My daughter, my granddaughter and myself have all reached out to CashApp to get this resolved so that I could get my money back, numerous times and have not been successful with getting a resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi my complaint is too major credit bureaus XXXX  transunion and XXXX i found 2 accounts on my credit report that were fraudulent.I tried to fix it sent them an FTC report opening a dispute.Every time it comes back as verified as accurate.And thats when i realize how incompetent they are and how not serious they look at fraudulent information on your credit report.I mean you check your credit report you see inaccurate fraudulent accounts you dispute them and it comes back as verified as accurate? I can not say what investigation they are doing but the results are shocking what can i do from my end for these type of information to disappear from my credit report? I did FTC report and here is the FTC report number i will also attach the copy to this complaint.FTC REPORT NUMBER XXXX. 
First one is XXXX XXXXXXXX XXXX XXXX ACCOUNT NUMBER  XXXX Second is XXXX XXXX ACCOUNT NUMBER XXXX Third is XXXX  Account Number XXXX Also There are some personal information that is wrong and inquiries that are also fraudulent.
Product: Credit reporting or other personal consumer reports

I am writing to formally request an investigation into Equifax, which has reported negative information on my credit file without my consent or authorization. I have never signed any application allowing this agency to report such information. I have requested proof, including a signed application or contract along with my valid drivers license, but neither Equifax nor the reporting entities have provided this documentation. The debts in question include : XXXX XXXX : {$680.00} XXXXXXXX XXXX XXXX XXXX : {$3000.00} XXXX XXXX XXXX : {$890.00} XXXX XXXX  : {$1600.00} XXXX XXXX : {$410.00} This raises serious concerns about Equifaxs compliance with FCRA regulations, which require a permissible purpose for accessing and reporting consumer credit information. The unauthorized reporting of this derogatory information has significantly impacted my credit score and financial standing, causing undue hardship. Under the Fair Credit Reporting Act ( FCRA ), I have not given any entity the authority to access or report information about me. Equifaxs failure to comply with these legal requirements has caused harm to my credit standing. 
I respectfully request that the CFPB investigate this matter and take immediate action to ensure this inaccurate and unauthorized information is removed from my credit report. I have repeatedly communicated my concerns to Equifax, including sending notarized documents via first-class mail regarding these fraudulent credit card accounts, which were never authorized. Despite this, Equifax continues to badger, bully, and psychologically harass me. I need verifiable proof that these credit transactions were initiated by me, along with proof of identity to determine who applied for these illegitimate debts.
Product: Debt collection

I got the collection notice from National Credit Systems , Inc regarding my debt from my previous apartment ( XXXXXX/XX/XXXXXXXX, TN ) amount due of {$400.00}. Upon receiving notice, I have immediately contacted both credit agency and XXXX XXXX office to resolve the issue. After series of emails and evidence submission, the XXXX XXXX apartment manager sent a confirmation email to me that i don't owe anything and it was mistake of old management. I have notified same thing to collection agency. 

I have again received another letter from the same collection Agency ( National Credit Systems , Inc, XXXX XXXX XXXX, XXXX, GA XXXX ) on XX/XX/22 regarding the same issue. I have called them and notify the settlement with XXXX apartment. They were rude and threaten to put it my credit report. I have repetitively told them to check with apartment office but no positive response. I have also called XXXX XXXX and asked them to notify them. 

With all these efforts to resolve this matter, they still put the mark on my credit report today which impacted my credit score. Please help me resolve this matter and take action against this credit collection company.
Product: Payday loan, title loan, or personal loan

XX/XX/2021. The amount was XXXX. Then i was call back in a couple of weeks to do another loan.I told the person doing my loan i was getting ready for XXXX 1 at the end of XXXX. He told me to get a letter from the Doctor and turn it in. That the XXXX XXXX was pay for the loan until I go back to work. Tower Loan in XXXX Ms. say they said don't want pay because it was a existence problem. But i told them about the XXXX before ni signed the contract. Please Help Me.
Product: Student loan

My wife and I both have Student Loans serviced by Fedloan Servicing ( XXXX, PA XXXX ) under the Public Service Loan Forgiveness ( PSLF ) program. We resubmitted our " Revised Pay As You Earn '' income-driven repayment plan. Fedloan Servicing made errors recalculating this payment resulting in our family being billed for a total of $ XXXX/month rather than the $ XXXX/month which it should be. We have been trying to get it fixed since XX/XX/2016. We have been making the higher payments to ensure our monthly payments keep us eligible for the PSLF. Today we spoke with XXXX, ID # XXXX, and she informed us that there was human error in our payments and we have been making payments higher than required since last summer. She said she is currently working on fixing our payment for next month. We asked her if the over-payments we have made can be refunded or applied to future payments. She stated this is not possible and if there is an issue with our payments we should have not payed our monthly bill. This seems outrageous to me since one of the rules for the PSLF program is to make your payments on time.
Product: Credit card

Bought concert tickets on a US website ( XXXX ) for a US-based concert using a US-based credit card from a computer based in the U.S. Comenity has since decided that because the website processed the payment under a foreign currency, that they are going to charge us {$24.00} for a " foreign transaction fee '' and they will not remove the charge, nor will they credit the charge. They're telling me that it's the consumers fault if they get charged a foreign charge they have no way of knowing is going to happen, and that it's the US consumers fault if a payment made in the US gets processed elsewhere. The only recourse they're giving me is to open a dispute and wait weeks for them to tell me their decision, which considering they are the same people who are charging me the fee, seems highly unethical and unfair to the consumer. Where is my protection here as a US consumer against these illegal and fraudulent fees? I made a US-based purchase in the US on a US website - HOW IN THE WORLD IS IT OK TO CHARGE ME A FOREIGN TRANSACTION FEE?
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. 

And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report 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 XXXXXX/XX/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 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

My credit reports show a XXXX XXXX account. Experian account lists it as XXXX. The date opened was XX/XX/year>2023. 

I am writing to formally address a concern regarding my account with XXXX, which was referred to collections. According to previous communication from one of XX/XX/XXXX collection agencies, I was assured that once the outstanding balance was paid, the collection account would be removed from my credit report WHEN I TALKE TO THEM ON THE PHONE. I have since made this payment ; however, the account is still listed in my credit file. 

I would appreciate immediate clarification on this matter and request confirmation that the account will be removed as promised. In addition, if there was an error or oversight in processing the removal, I kindly ask that XXXX take the necessary steps to ensure the account is removed from my credit report without delay. 

As I have already taken the required steps in settling the debt, I am seeking a resolution to this issue promptly. Should I not receive a satisfactory response or resolution from XXXX. 
Please advise on the next steps and provide confirmation of the actions being taken. 

Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are inquiries on my credit report that are not mine and someone has been trying to open accounts in my name. I am in the process of contacting the appropriate authorities. The following inquiries are from identity theft and not mine. Attached is a copy of my FTC affidavit. 

XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX/XXXX   XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX   XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Unauthorized credit inquiries experian continues to allow someone to keep applying for credit under my name. I have been requesting unauthorized credit inquiries to be deleted and getting no where. Im requesting experian to remove all u authorized inquiries that I attached in the attachments section that I highlighted I. Yellow.
Product: Vehicle loan or lease

I received a letter form regional acceptance corporation responding to a claim I filed and the information that was documented on that statement of them responding to my claims is all incorrect and lies. I have a voicemail when the recovery guy called me 1 time and I called him right back and gave him the address and information about the vehicle. On my emails that I sent them informing them to come pick up the vehicle had the correct address XXXX XXXX XXXX. I had previously taken insurance and registration off this vehicle in XXXX as I havent driven it since XX/XX/2019. XXXX XXXX called once on XX/XX/2019 and came and picked up the vehicle in that said location that I informed regional acceptance corporation maybe two month prior the location of the car as the car hadnt moved. These are lies and I ask that this car be removed from all of my credit reports and the late charges that they have filed on my report. The information is incorrect in this letter and we can pull the files from speedy recovery to confirm with him that he only called once and only left one voicemail as I addressed and called him right back the same exact day upon getting the voicemail. If I can get a email address I can send over the voicemail.
Product: Credit reporting

I have this company www.on-site.com posting a judgement on my credit report. They do apartment complex screening. I have sent this company information regarding the judgement and letter from home owner involved and company still has not removed this report yet. I have also sent them information on accounts paid off by me and they never updated any information on credit report. they dont provide you with information on how to dispute.
Product: Credit reporting or other personal consumer reports

My complaint is again XXXX XXXX XXXX XXXX XXXX out of XXXX AZ, XXXX Goodleap Financial, and XXXX XXXX XXXX. 

Fresh home solutions has allowed one of their sales reps named XXXX XXXX XXXX to sell and open 4 fraudulent solar accounts with my first name, last name, and social security number claiming I was a joint applicant. The address range from XXXX arizona to XXXX XXXX arizona and XXXX Arizona. I have filed a police report and provided it to both Loan companies. I have also provided my credit report, tax records to prove I do not own the homes where the solar has been installed. My credit now holds over {$200000.00} in fraud solar accounts one is even over 100 days past due and is ruining my credit. I need these accounts to be removed from my name and credit report. My credit was also ran by both accounts in the upper end of 15 times and I want those inquiries removed off of my credit report. I was just denied a loan due to, to many inquiries and to many delinquent payments. This type of fraud should have never happened. Had proper screening been done and proper documents been collected I would not be a victim of fraud. I am also aware from all 3 companies that XXXX has committed multiple fraud accounts through these companies yet I still do not have a resolution. I have also provided all documents requested and still not resolution. There is no protection for consumers and if there was I would not be getting treated like I committed the fraud. XXXX needs to be prosecuted and held accountable. I am asking that this be looked into. I have also provided the companies with the detectives information and emails for the case as well.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 to 45 days gives a reason to immediately remove those items from my credit report. It has been 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Product: Credit reporting or other personal consumer reports

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than XXXX business days. Ive already included this in my previous Complaint & I am including it again., 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 XXXXXX/XX/XXXX
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle handling disputes, particularly in light of the recent CFPB lawsuit which highlighted significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and tracking down these transactions was infeasible. The CFPBs findings demonstrate Zelle not only neglected to protect its consumers but has also allowed repeat offenders to exploit the system leaving users vulnerable to scams. This lacked accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Debt collection

On XX/XX/XXXX I called Synchrony Bank for a different matter than what this complaint is about. I spoke to XXXX at XXXX. I found out that my XXXX account was written off to fraud in XXXX. XXXX stated that I did not owe this debt since they wrote it off. He told me to call XXXX XXXX XXXX and to have them remove the debt off of my credit reports that has been reporting since XX/XX/XXXX. I told him that as of two months ago I was still receiving notices to pay and that I owe them this debt. He stated that the debt is not owed. In XX/XX/XXXX XXXX XXXX XXXX attempted to sue me in my local court system. He said it was written off before then. As of the date of the write off to fraud, XXXX XXXX XXXX has continued to break the FDCPA and my rights under federal law. They have caused me great financial harm. I have contested this debt several times through the credit bureaus with no relief. XXXX XXXX XXXX continue to tell the credit bureaus this is a valid debt, which it is not.
Product: Debt collection

The repeated calls are on my end. I have called this company many times to pay my debt. I am never able to speak to a person. I always leave my name, date of birth, last 4 of my social, and my phone number requesting a return call. I have never received a return call and there is no other way to pay this company. The company is called New World Collections and based out of XXXX. I have even got on their website and sent them an email.