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

there are multiple inquires on my credit i did not authorize. I would like all these unauthorized inquires removed I contacted the creditor I asked that they cease there illegal 's activates immediately but to date there have been no response.
Product: Vehicle loan or lease

I see a debt in my credit for about XXXX $ that i did not make.
Product: Credit card or prepaid card

I find that the Bank of America online banking website for my   XXXX   XXXX   XXXX   card lacks enough basic information in obvious locations to educate consumers on their processes. This practice seems predatory. The statement balance amount and due date are n't automatically populated when you go from Account Overview to the Bill Pay Center tab of the site, which creates an extra step prone to human error while transferring the information from one place to another. The Bill Pay Center tab also does n't provide sufficient information, anywhere, that explains the different between  e-Bill  and  Recurring  Payments. When you try to establish an automatic payment, the website warns you that it takes a complete billing cycle to go into effect. My  XXXX  balance was paid twice (  XXXX / XXXX /  XXXX   &  XXXX / XXXX /  XXXX   ) and the latter was my e-bill initiated payment, which I was led to believe would NOT go into effect until it was time to pay my  XXXX    XXXX   statement. The website should provide a warning that my e-bill initiation would cover a specific statement. Consider elderly people, people living paycheck to paycheck, or young credit card holders that can not afford the mistakes that the BOA website seems designed to lead people to make. The mobile application is not much better! Until recently, your monthly statement balance was not easily located and also required poking around on lots of screens until you discovered useful information like statement balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has listed an account for collections on my credit report for over XXXX XXXX I have disputed this more than five time with XXXX  including documents that i an a victim of identity theft! I was involved in two major data breeches. I also reported this to XXXX. Yet they still considered this to be a valid account. I was incarcerated when this account was opened it in not possible that i applied for a credit card while in prison. I also have records from the prison of my time incarcerated. This needs to come off my report as i have done everything i was suppose to. I reported it with the identity theft bureau and have a freeze on my report.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX  Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022 XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX  XXXX *Last XXXX of XXXX : Re : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Dear Consumer Financial Protection Bureau XXXX I'd like to file a complaint against XXXX XXXX XXXX XXXX I disputed a XXXX account through XXXX, XXXX and Experian in XXXX and XXXX of 2022, the account was not deleted from my credit profile after the dispute was completed. As part of the dispute, I requested debt validation to include a contract or contracts signed by ALL parties involved. Instead of a signed contract, XXXX sent a variety of paperwork that didn't include none of what I requested. 


Please help me to either obtain a contract signed by ALL parties involved from XXXX XXXX XXXX or demand that the company cease and desist all collection activities including credit reporting. 


Thanks in advance, XXXX XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/XXXX, while I was on the phone with a Synchrony representative, I made a payment of {$190.00} to pay off the promotional purchase of {$190.00} I had that was subject to interest charges. I told the representative to apply that full payment to the full balance of the purchase and to ensure my automatic payment on XX/XX/XXXX of {$270.00} was not impacted. He verified that the payment would pay off the promotional purchase charging interest ( so no interest would be charged ) and my automatic payment would draft as normal. On XX/XX/XXXX my automatic payment drafted for {$58.00}, {$190.00} less than my normal automatic draft amount, and both payments were spread across all purchases. So the one purchase I had charging interest was not paid off as requested. Now I've been charged interest on a balance that I specifically requested be paid off. I've now called three times trying to get this corrected and nothing has been done on my account. Synchrony even sent me a letter on XX/XX/17 saying that I did not make any payment. I feel like this is fraud on Synchrony 's part, and the company is purposely not applying my payments correctly so they can charge me interest. My purchase with interest charges should be reflected as paid in full and my automatic draft amount should draft as normal.
Product: Credit reporting or other personal consumer reports

XXXX XXXX Email : XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, GA XXXX Subject : Formal Fraud Dispute & Litigation Notice XXXX XXXX XXXX Account Dear XXXX Fraud Department , I am writing to formally dispute and report fraudulent activity regarding an account listed on my credit report under XXXX XXXX XXXXXXXX XXXX The details of the disputed account are as follows : Creditor Name : Portfolio Recovery Associates Account Opened : XX/XX/XXXX Balance : {$240.00} Account Status : Open Remarks : Dispute resolved; customer disagrees This account is inaccurately reported, and I am requesting an immediate investigation and removal under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. My dispute is based on the following : 1. The account is inaccurately reported as " Open '' when it should not be listed as such.

2. This account was fraudulently opened or inaccurately assigned to me without my authorization. 


XXXX. XXXX XXXX XXXX has failed to provide proper validation of this debt under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. 


XXXX. XXXX XXXX XXXX response to my dispute with the Consumer Financial Protection Bureau ( CFPB ) did not provide sufficient validation of the debt. 


5. The company has already agreed to cease communication, which indicates that the debt may not be legally enforceable.

Additionally, please be advised that this matter is currently under litigation, and continued reporting of this disputed debt may constitute a violation of my consumer rights. Any further reporting of inaccurate or fraudulent information may be grounds for legal action under the FCRA and FDCPA. 

I have attached supporting documents, including my formal dispute with XXXX XXXX XXXX and their response to the CFPB complaint, for your review. In accordance with the FCRA, please conduct a reinvestigation and delete or correct this fraudulent information within 30 days. 

If XXXX continues to report this account, please provide me with a detailed explanation of the verification process used, including the name and contact information of the party who verified the account. 

Please confirm receipt of this dispute and notify me in writing of any updates regarding my request. 

Sincerely, XXXX XXXX Email : XXXX Attachments : 1. Copy of credit report entry 2. CFPB complaint and response from XXXX XXXX XXXX XXXX. Any additional supporting documents
Product: Credit reporting or other personal consumer reports

One of my creditors, XXXX XXXX XXXXXXXX XXXX XXXX is not appearing on my Experian credit report and hasn't been since XXXX, XXXX. I have spoken to their Customer Service Dept at least 8 times and their reason I am told is they are not receiving the file from XXXX and to contact the creditor for resolution. I have contacted XXXX numerous times and each time I have been told that the file for each month is sent to all reporting agencies at the exact same time. XXXX did an extensive review of my account and have assured me there is nothing that would prevent my file from being included with all the other files that are transmitted monthly. Both XXXX XXXX XXXX shows XXXX on their reports as a creditor and is being updated each time they have received the monthly file. XXXX doesn't even show as a creditor on Experian. This is impacting my credit score when potential creditors run my credit through Experian and don't see any mortgage information listed as a creditor. 

I am caught in the middle on this. Experian can't take my problem as an official dispute because XXXX isn't listed as a creditor and XXXX has done what they are supposed to be doing every month transmitting the payment information to all 3 agencies. I need Experian to add XXXX to my credit report and show payments that have been made since I took the loan out in XXXX.
Product: Debt collection

This is What do you half of XXXX they send me this collection agency for a talking head and my suit they are you damage my credit and I was doing it all day and I try so many times to get help from a game called many times XXXX customer service they charged my account for multiple late fee and the damage my credit report ants this is not fair to do that I really want to dispute XXXX and they sent me this letter So they wanted to sue me regarding and I would like to get help please on this matter and help me please.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im following up on a complaint against XXXX XXXX and XXXX XXXX XXXX for practices that I believe violate the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

According to my agreement with XXXX XXXX, all disputes related to my account were to be resolved through arbitration. However, without my consent or any arbitration proceedings, XXXX XXXX sold my loan to a collection agency, XXXX XXXX XXXX. In their response they admitted they don't own the debt that it was owned by a collection agency. I believe this act constitutes a breach of contract and violates my rights as a consumer. 

When I became aware of this issue, I contacted XXXX XXXX and expressed my willingness to repay the debt directly to them. Despite my willingness to settle the debt, XXXX XXXX refused to recall the debt that I believe was sold illegally. 

Furthermore, in the course of this transaction, XXXX XXXX disclosed my personal information to XXXX XXXX XXXX without my consent. I believe this is a violation of FCRA Section 604 ( a ) ( 3 ) ( F ), which restricts the dissemination of consumer information without a legitimate business need. 

Following the acquisition of my loan, XXXX XXXX XXXX has engaged in harassment in an attempt to collect the alleged debt. They have called me multiple times during work hours and even contacted my workplace directly. They have also threatened to report the debt to credit reporting agencies if I didn't pay them. In order to avoid further harassment and potential harm to my credit report, I felt forced to pay XXXX XXXX XXXX. 

I believe these actions constitute violations of FDCPA Section 806 ( 5 ), which prohibits causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number ; FDCPA Section 805 ( a ) ( 1 ), which prohibits communication with a consumer in connection with the collection of any debt at the consumer 's place of employment ; and FDCPA Section 807 ( 5 ), which prohibits the threat to take any action that can not legally be taken or that is not intended to be taken. 

In light of these concerns, I request that the CFPB investigate these issues and take appropriate action to protect my rights as a consumer. I also ask that XXXX XXXX remove this account from my credit report immediately, as I believe it was wrongly sold and reported to the collection agency.
Product: Checking or savings account

From XX/XX/year> to current illegal overdraft fees - notice of class action lawsuits filed against NFCU. 
Checking account closed due to fees
Product: Debt collection

XXXX   XXXX   XXXX  has been informed that property at  XXXX   XXXX   XXXX  in  XXXX   XXXX  Texas  XXXX  is owned by  XXXX   XXXX    XXXX   XXXX   XXXX   yet it has ignored repeated request to cease aggressive collection practices.  XXXX   XXXX   XXXX  on or about  XXXX   XXXX   XXXX  caused a collection letter to be sent by  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX  again threatening foreclosure on a property owned by  XXXX   XXXX    XXXX      XXXX   XXXX  .      XXXX   XXXX   XXXX  was notified of this action on  XXXX   XXXX ,  XXXX  along with  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX , the  XXXX  credit reporting agencies  XXXX ,  XXXX  and  XXXX .     Their collective action has caused undue stress and duress on us plus negatively impacted our credit files since  XXXX . They have repeated violated the Fair Credit Reporting Act ( FCRA ) along with the Federal Fair Debt Collection Practices Act. We have asked  XXXX ,  XXXX  and  XXXX  to update our credit files since  XXXX  when  XXXX   XXXX    XXXX   XXXX     XXXX  acquired said property but those credit reporting agencies have turned a blind eye to our requests.     We hereby seek damages and action to stop this undue harassment and duress caused by parties who have colluded to circumvent our legal and financial rights. Thank you for your consideration and speedy resolution to this matter.
Product: Payday loan, title loan, or personal loan

I applied for a loan and never accepted the loan because the interest rate was way too high and I kept receiving emails to accept the loan it was deposited in my account. I called the number provided and couldnt get an answer. I finally decided to send a email and finally got a response but was told I had to pay interest plus the money that was deposited into my account which would have set me back financially now I am stuck with them debiting bi weekly payments from my account
Product: Credit card or prepaid card

I sent my legal tender of payment to Capital one. They accept the legal tender of payment since they haven't sent it back ( UCC4-302 ). They closed my accounts and blocked me from using the cards, a natural person from using he's credit. Committing identity fraud as they claim they are the original creditors ( 15 USC 1602E,15 USC 1602G,15 USC 1602J,15 USC 1602I ) . But on the loan agreement ( promissory note ) there's only one signature in the documents. Statues related to US Code states that creditors are in fact a natural Person. With my signature being on the promissory note and the only signature on it. Capital one is violating multiple US Code Statues and not only are they assuming themself as me in giving out credit and giving out falsely negative information to the three credit bureaus : XXXX, XXXX and XXXX. ( 15 USC 1681 B-2 ) ( 15 USC 1611 ) Not only are they committing fraud but hindering, my livelihood and reputation by reporting defamatory information and limiting the open-end credit ( 15USC 1602J ). This has cause me and my domestic partner distress and is affecting our plans of purchasing a home.
Product: Student loan

I have called over several months, and submitted a request more than a month ago now to formally have my student loan interest ammount looked into. I am on an in income based repayment plan and only have subsidized loans. The monthly payment amount I was told to make was detremined to be {$0.00} as I did not have a job. This means that the government ( because I have subsidized loans ) should be paying 100 % of my student loan interest, yet they are only covering approximatley 50 % and I have accrued nearly {$250.00} worth of outstanding interest. Again, my interest on this plan should be paid by the government as I have not ever received the governmetn interest susbidy for more than a year before ( i know that if you have received it for 3 years then the subsidy drops down to 50 % -- - that is not my situation. ) I was on a similar repayment plan for a year in 2015 and had VERY similar issues ( though at that time they failed to pay any of my interest at all that they were supposed to ). This took nearly a year and a half to resolve and I had to pay out of pocket and cover those illegitimate interest fees ( after the one year mark when I started to make regularly monthly payments ) at the time to ensure that my credit wasn't ruined. I would not be surprised if this were a regular tactic of MyfedLoan to get more money out of people and prey on their confusion regarding student loan payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX I sent Experian and dispute regarding inaccurate accounts reporting on my consumer file. As of XXXX XXXX I have not received any correspondence regarding my dispute and Experian now has violated 15 USC 1681i ( a ) 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information ( 1 ) Reinvestigation Required 611 - 15 U.S.C. 1681i ( a ) 59 ( A ) In general. Subject to subsection ( f ), and except as provided in subsection ( g ) if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Product: Credit reporting or other personal consumer reports

An account under XXXX has been listed on my credit profile and does not belong to me. I have no knowledge of this account and have contacted the credit bureau numerous times for it to be deleted. This account needs to be removed from my credit report ASAP as it is hindering me from receiving accurate reporting, violating my consumer rights. FCRA Section 605B also requires by law to obtain consent before including information on my credit report. This is a violation of the law.
Product: Credit reporting or other personal consumer reports

These accounts should not be furnished on my report because 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 consumer report under the following circumstances and no one never gave any consumer reporting agency any written consent to report anything on my consumer report which it 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 below be removed immediately. 

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

my student loan is still showing on my credit report as adverse credit even though it has been forgiving due to me being a XXXX XXXX XXXX veteran. Navient and XXXX student loans showing as adverse credit due to late payments which I should never have been billed for in the first place. I am asking that those to companies completely remove there adverse reporting from my credit reports to help improve my credit
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under XXXX according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am a XXXX XXXX XXXX XXXX  of debt bondage and would like for all listed accounts to be blocked and deleted from company Transunion. Please delete the following accounts. 


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Product: Money transfer, virtual currency, or money service

I am writing to express Concerns of how zelle handles my disputes, partially in light of of cfpb highlighting issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. I was informed that lost funds was impossible and tracking transactions was unfeasible. The cfpbs findings indicate that Zelles 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 or other personal consumer reports

" These furnishers continue reporting false, inaccurate information on my credit report. Transunion, XXXX and XXXX continues to report the inaccurate information on my credit report that violations of my rights under the FCRA. In addition, here are some of the laws that continue to be broken at my expense! 
- Per Section 623 15 U.S. Code 1681s2 : 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. 
- Per Section 623 ( a ) and 623 9 ( a ) ( 2 ) : Duties After Notice of Dispute from Consumer. If a consumer notifies a furnisher, at an address specified by the furnisher for such notices, that specific information is inaccurate, and the information is, in fact, inaccurate, the furnisher must thereafter report the correct information to CRAs. 
- Per Section 623 ( a ) ( 5 ) : Duty of furnishers to provide date of delinquency on charge-off, collection or similar accounts. " XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I sent a notice to verify these debts in accordance with 15 USC 1692g. The original dispute letter detailed the type of verification requested. 

In response they only sent a computer generated print-out of the amounts they claimed are due, which may or may not be accurate. Addresses, phone numbers and dates of services rendered with the original creditors were not furnished. They did not provide me with any documentation showing I agreed to pay the original creditor or a bill showing services rendered. Furthermore, they have failed to provide any proof of an executed credit contract proving my liability on the amounts claimed in this summary.