23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

( 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 subchapter.
Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX XXXX  XXXX fraudulently used my nonpublic personal financial information by disclosing said private information to nonaffiliated third parties without my consent. 
I was never provided full disclosure of my privacy rights under the Gramm-Leach-Bliley Act ( 15 USC 6802 ). XXXX XXXX XXXX XXXX is depriving my rights under the color of law ( 18 USC 242 ). And is attempting to collect extensions of credit by extortionate means ( 18 USC 894 ).

Said information was shared without authorization nor consent to nonaffiliated third parties, including but not limited to EXPERIAN by way of identity theft, and said third parties are conspiring to collect extensions of credit by extortionate means ( 18 USC 894 ).
Product: Credit reporting, credit repair services, or other personal consumer reports

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 false inaccurate information by placing these false accounts on my consumer credit report. The list of collections that are reporting has not been opened by me i have no knowledge of them, be advised 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 XXXX Opened XX/XX/2022 for {$930.00}, XXXX XXXX XXXX XX/XX/2022 for $ XXXX LAW WHEN AN CONSUMER STARTS A DISPUTE WITH A CREDIT REPORTING AGENCY, THE ACCOUNT THE CONSUMER IS DISPUTING MUST BE DELETED UNTIL FURTHER INVESTIGATIONTHE CREDIT REPORTING AGENCIES AS FOLLOW : EXPERIAN, XXXX AND XXXX ARE CURRENTLY IN VIOLATION AND HAS VIOLATED MY RIGHTS UNDER FCRA AND FDCPA, under 15 U.S. Code 5 1681 XXXX 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 credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods 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 subchapter.
Product: Mortgage

this lender has been deceitful, they have been negligent, and have been very under handed and have lied several times to me. they do not answer phone calls and they do not answer questions they talk around you and never actually answer a question they do not know what they are doing and try to lay the blame on anyone else that they can. they keep asking for more and more for you to put out then they tell you that the closing costs are rolled into the loan but when it comes time to close they ask you for more money. .they blame the realty agents and never take responsibility for their wrong doing. Do Not use this company as one person said RUN RUN fast from this company and I believe that a troop of monkeys could do a better job. They don't close on time they lie and tell you that you can close in 15 days and now it has been almost 3 months and I am no closer to closing than I was 3 months ago .they are responsible for malfencence, complete in-competency and don't believe a word anyone there tells you. because trust me it will be a lie. I hope this keeps some people away from this company and saves them the heartbreak stress and the horrible miss handling that I have been put through CITYWORTH mortgage company in XXXX Virginia is a horrible company do not use them for even a loan to refi or anything you will be sorry
Product: Credit reporting or other personal consumer reports

Today on XX/XX/year> I decided to open a new checking and savings account with the ( XXXX XXXX XXXXXXXX XXXX ) here in XXXX, Ga and once I made it home I saw that a hard inquiry was added to my credit report but the teller by the name of XXXX helped me with opening that account never disclosed that they would be running a credit check/ HARD INQUIRY towards my credit report. I called the hotline after I was notified by my personal credit app and was told it was in my paperwork that I signed but they didnt even show me any paperwork they only asked me to signature a XXXX XXXX where no words where shown and by law they are suppose to disclose this information to me before pulling my credit profile Im a consumer that knows the law towards these things an they are suppose to tell me they gave me paper work but only disclosing personal information I gave them nothing ever saying anything about a credit pull or no one ever asked if I was ok with a credit pull because if so I would have never opened the account I would really like for something to be done about my credit profile an the inquiry because I work hard to maintain my credit profile an thats not fair at all inquiries hold weight to credit an I dont need to be adding inquiries when Im still fixing my credit this is terrible an I want something to be done IMMEDIATELY! AN I ALSO WANT THAT INQUIRY OFF MY REPORT BECAUSE THEY DIDNT HAVE PERMISSION TO PULL MY REPORT AN IF NOT I WANT TO TAKE LEGAL ACTION!
Product: Debt collection

I kept getting written notice from Wakefield & Associates, so I finally asked for validating for this debt they claim I owe. They sent me an itemized summary but no signed contract or hippa release. Which doesn't verify this is mines. They also told me in a letter that they will no longer investigate or investigate again after I sent a second letter asking how they got this information. Also XXXX and XXXX and XXXX keep saying it is verified although it proves not to be, I have also sent them the same attachments as included here.
Product: Credit reporting or other personal consumer reports

I have diligently corresponded with your bureau regarding my status as an identity theft victim, yet my concerns remain unresolved. I am once again disputing the damaging fraudulent information on my credit file. 

Despite submitting the required FTC complaint, your bureau continues to report these fraudulent accounts on my credit report. I have personally contacted the banks associated with these accounts, submitted the necessary documents, and ensured the immediate removal of these accounts from their records. 
I request that you conduct a thorough investigation into these accounts and remove them from my credit report immediately. Failure to do so may result in further damage to my credit score and financial well-being. 

Please provide me with written confirmation once the investigation is complete and the unauthorized accounts have been removed from my credit report. I also request a free copy of my updated credit report following the resolution of this matter. 

XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX,
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX # Experian XXXX XXXX XXXX XXXX, TX XXXX RE : Trafficking Block Request To Whom It May Concern I am a victim of XXXX XXXX. The information listed below, which appears on my credit report, is a result of that XXXX XXXX. 
Negative Items : XXXX XXXX. XXXX XXXX  XXXX, XXXX XXXX XXXX XXXXXXXX Please block this information from my credit report within 4 business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I greatly appreciate your prompt expedited action to this matter. 
Sincerely, XXXX XXXX Enclosures : Proof of identity trafficking documentation
Product: Credit reporting, credit repair services, or other personal consumer reports

An account closed on XX/XX/2017 for a reported balance of XXXX has been reporting on my credit profit as a payment after charge off/collection settled for less - less than the full balance, which is inaccurate, I have contacted the company and the credit bureaus regarding this inaccurate issue but nothing has been done regarding the issue.
Product: Credit reporting or other personal consumer reports

EXPERIAN AND XXXX ARE REPORTING INACCURATE INFORMATION. I EMPLOY THEM TO FILLOW SUIT AS XXXX HAVE ALREADY REMOVED THESE ACCOUNTS.
Product: Credit card or prepaid card

On XXXX or XXXX of 2018, I called the creditor to inquire on the expiration of the no interest promotion period as I was aware that the expiration was approaching. During that call I asked for an extension and the customer service representative told me that he would extend the no interest promotion for an additional 18 months. The conversation went on for about 5-10 minutes and when it ended I relied on the creditors indication that I didn't have to worry about paying the full balance, which was at that time no more that {$270.00}, in order to avoid a high amount of interest. All my payments since then have been timely taken from my account on auto pay. However, recently I noticed that the balance remains high although I pay {$76.00} per month. I've made one more purchase since then but not enough to keep my balance so high. Because of the shelter at home orders, I had time to call the creditor to inquire. I was told that the extension was never applied and the creditor added a significant amount of interest to my account since XX/XX/2018. The creditor told me that the call with the previous agent I spoke with in XXXX was recorded and they would listen to it to confirm what I was told. I was certain this would resolve because I was in fact told this by previous agent, but the creditor is denying that I was promised an extension. I relied on the promised extension, otherwise I would have paid off the then approximately {$270.00} to avoid the bulk of interest. I was deceived and am now paying unnecessary interest on this account.
Product: Checking or savings account

I was promised a car from the seller, which I didn't receive, bottom line. I sent the seller {$80.00} to paypal, {$6.00} fee. When I found out that I was scammed, I disputed the funds for a refund. I then receive an email from Paypal that their decision found in favor of the seller because the only option to send the money was a personal transaction and not goods and services. 

So now I am disputed the same transaction through my debit card. I've talked to numerous chat and phone rep regarding the status of my dispute and they tell me that it could take up the 90 days for their decision. This is unacceptable to me, so this is why I've placed this complaint.
Product: Vehicle loan or lease

They have threatened to discharge loan. And continue to say Im behInd on payments. I submitted documents last year requesting the CFO respond to my demands if they use their own money on this loan and I submitted payments and never been behind on this loan. The company continue to report Im behind and credit bureau continue to listen to them without any proof. I continue to get calls to my cellphone even after I requested them to not call. They been harassing and threatening me continuously. This is illegal under the fair reporting act.
Product: Mortgage

I notified my mortgage servicer that I had lost my job and wasn't able to continue making mortgage payments while unemployed. 

They approved me for an XXXX XXXX XXXX. There was very little information on the website about processes and procedures. Additionally, I received no information as to timeframe of acceptance AND my mortgage servicer continues to report my non-payment on my credit report even though they're not supposed to. 

I spoke with them in XXXX and noted that they are reporting the past due status on my credit report and was told it would be taken care of but it has not.
Product: Money transfer, virtual currency, or money service

I have used the XXXX services through my bank without a problem in the past but lateley is like XXXX makes is a point now to delay funds to placed them in what they called " limbo '' supposedley for processing, but the company is putting that money on an account to earned interest overnight into longer days in the interbanking lending process. Also is sharing that information with other banks On or about XXXX money was send to my XXXX bank account via XXXX using my email address. My Email address is register ( XXXX ) but I learned that on XXXX JP Morgan Chase   intercepted that money. I dont have any accounts at this time with JP Morgan chase. The money send to me was to pay a balance on a business transaction that if not pay on this day will cost me a {$75.00} daily fee plus lost of my origianal investment 0f {$3500.00} through an internat customs services. XXXX Upon cantacting XXXX I learned thought is representative XXXX and XXXX at the Arizona center that The Money was being detained by JP Morgan Chase the same answer I got from XXXX. 

When contacting JP Morgan Chase a representative by the name of XXXX in customer service confirmed, XXXX at the XXXX call center transfer me to Chase Mobile banking the the XXXX with a representative by the name of XXXX XXXX whom then acknowledge that the money was being held by JP Morgan Chase it would transfer me to a department to assist me - I called several times and the emplyees at JP Morgan would disconnect me once they realized that they were holding my money illegally and did not wanted to get involve. 

For some reason JP Morgan Chase had illegally open an account to keep those funds. I had not done any sort of busniess with JP Morgan Chase in years.
Product: Credit reporting or other personal consumer reports

According to FCRA Section 611 ( 15 U.S.C. 1681 ( l ) ), I have the right to dispute any information on my credit report that I believe is not correct. I reserve the right to dispute any information that I deem to be inaccurate. If there's something on my credit report that doesn't seem right, you can bet that I'll be taking action to get it removed.I can not recognize or accept the allegation of delinquency without factual proof. There must be some sort of evidence to back up the claim.

Otherwise, I can not and will not recognize or accept the allegation. According to federal and state law, you must report any allegations with the greatest compliance and accuracy possible.You should not report any claims that you know or should know are not in compliance with regulations and the law. If you do report such claims, you could be subject to fines or other penalties. Furthermore, reporting claims that you know are not in compliance could damage the reputation of your company.I am writing to inform you that you need to make sure all your claims are factual and certified before reporting them. This is required by the Metro 2 reporting standard. I request that you provide evidence to support the existence of the account and evidence that the account was used for a permissible purpose. Please provide any documents or records you may have that can help corroborate the account and it's permissible purpose.I am giving you 30 days to investigate the matter and determine whether it is still being reported accurately and in compliance with regulations. If it is not, I want it removed from the report.I hereby authorize you to take whatever steps are necessary to correct my credit. Please send me physical proof of any actions taken on my behalf. I appreciate your help in making sure my credit is in good standing. 
Below is a summary of the data in which I am challenging :
Product: Debt collection

I received a bill in the amount of {$330.00} from Continental Credit Control and I called XXXX XXXX the representative on my bill. I asked if I could make payment arrangements in the amount of {$50.00} a month and if I did they would agree not to report the bill to the three credit bureaus. She said, yes that this would not hit my credit report if I was making payments to take care of the bill. I made my first payment in XXXX for {$50.00} then XXXX for {$100.00}. I was on time with all payments. I checked my credit report on XX/XX/2020 and the company did report the debt and they reported that I never made any payments. I called the company the next day and tried to speak with XXXX XXXX, she was unavailable. I then spoke to the manager and told him the situation as to why they reported it and why they were reporting no payments were made. He said, that XXXX never told me that she wouldn't report it and that I was lying. I would not have made something like this up. He didn't want to ask his representative why she said and agreed to this with me.
Product: Consumer Loan

I have been making timely payments on my auto loan. XX/XX/XXXX I made my regular monthly payment, due on XX/XX/XXXX. I then made my XX/XX/XXXX payment on XX/XX/XXXX. On XXXX I paid the bill timely. No principal was deducted from my loan balance with the full payment being applied to interest. I was told that I have no penalties for early payment but this is penalizing me.
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 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 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

I am writing to bring to your attention an issue with the address listed on my credit report. According to the information provided in my credit file, there seems to be an error in the address associated with my account. 
The current address listed is incorrect and does not reflect my current residential address. I am writing to update my address to ensure that all future correspondence and communication regarding my credit report are sent to the correct address. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX
Product: Money transfer, virtual currency, or money service

Use of Zelle through XXXX XXXX  : I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently checked my credit report and noticed several late payments from SUNTRUST BK. I reached out to the creditor to request a goodwill forgiveness.
Product: Bank account or service

JP Morgan/Chase has decided to eliminate an Overdraft product which allowed consumers to attach their ( Chase ) credit card to a checking account - see attached document. This product protected the customer from inadvertent overdrafts and also allowed immediate access to uncollected funds by utilizing the credit line to cover any insufficiency in funds availability. I have had this product since XXXX ( Chase predecessor Bank : XXXX XXXX XXXX ). 5 weeks ago Chase communicated to me that this product would be eliminated in XXXX of XXXX and advised that Overdraft Protection/ Funds Availability coverage would now only be provided if I fund and associate a Chase personal Savings account for that purpose. 
I am a Chase retiree and a Account holder since XXXX. My checking account has had Overdraft/ Uncollected protection through my associated credit card for 35 years. It should be noted, I have several Chase credit cards and spend $ XXXX on the Chase card that also provides my OD protection. I have reached out to Chase customer service and their response has been to advise me they will start charging me {$34.00} for insufficient funds unless I " gift '' them a personal Savings Account. I say " gift '' because Chase is n't really paying interest on personal Savings Accounts ( 0.01 - 0.03 % ) - see attached copy of those communications. 
I believe this is a predatory policy change affecting all Chase customers. However, more critically I see this change impacting senior citizens who - like myself, have been long time Chase account holders. I estimate conservatively that this change could impact XXXX to XXXX XXXX US senior households with a Chase Banking relationship ; this estimate is based on the following facts : 1. ) JPM Chase has relationships with 50 % of US households ; 2. ) The XXXX Census reported XXXX XXXX US citizens XXXX and over. 
As a senior citizen myself, I know my fellow seniors are resistant to change, have money, are good credit risks and in many cases not in the practice of monitoring Bank originated communications. 
In closing, I want Chase to grandfather this protection for existing senior citizens. Maintaining this service has no cost to Chase as the infrastructure is in place. I need your help to get this done!
Product: Credit reporting or other personal consumer reports

On XX/XX/year> my credit score was XXXX and later that evening my score dropped down XXXX points to a XXXX. No one as Experian could give me a reason why it dropped. My credit is good and for some strange reason it's gets to a high XXXX then for no reason at all it drops. I have no credit card over usage and no missed payments. I have a collection that is currently being investigated and I did the investigation myself and it was even me it was identity theft. I need a reason as to why my score dropped XXXX points no one told me anything and I'm frustrated because there is no reason for it. Please help..