23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

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 I hope this letter finds you well. I am writing to formally express my serious concerns regarding unauthorized withdrawals from my bank account by XXXX XXXX. Over the past several months, I have made attempts to contact XXXX XXXX through email on two separate occasions to address this issue. Unfortunately, I was not met with the professionalism or assistance I had hoped for, owing in part to my emotional distress regarding the situation. 

Specifically, I am referring to unauthorized withdrawals in the amount of {$270.00} from my account for the months of XXXX, XXXX, XXXX, XXXX, and XXXX. I have consistently relied on the loan statements provided by XXXX XXXX, which I understood to be accurate representations of the amount owed and the monthly payment due. 

Additionally, I reached out to XXXX XXXX via phone and spoke to an individual who claimed to be part of the management team. During this conversation, I expressed my concerns regarding the unauthorized withdrawals. Unfortunately, the response I received was unsatisfactory. After placing me on hold, the representative returned to ask me to specify the months in question. He indicated that I should review my email for what he described as falsified receipts, which I had never seen before. This interaction escalated to a point where the representative spoke to me in an unprofessional manner and abruptly ended the call. 

I feel compelled to bring this matter to your attention, particularly as there was no documentation sent to me regarding these unauthorized withdrawals, which stands in stark contrast to the receipts I received for my authorized payments over the previous 18 months. This is not an isolated incident for me ; I have previously encountered unauthorized withdrawals from another financial institution, allowing me to recognize and act upon the issue promptly. 

As a XXXX XXXX  with XXXX, I am especially concerned about the potential impact of such practices on individuals who XXXX not be able to recognize these discrepancies. It raises a troubling question : how many other customers have unknowingly faced similar issues, resulting in significant financial losses? 

Furthermore, I received a {$50.00} gift card from XXXX XXXX due to an alleged overpayment, which raises additional questions regarding billing accuracy and ethical practices. 

I respectfully request that your office investigate this matter thoroughly to protect consumers like myself from potential fraudulent practices. 

Thank you for your attention to this important issue. I look forward to your response and any assistance you can provide in resolving this situation. 

Sincerely, [ XXXX XXXX  ]
Product: Credit reporting or other personal consumer reports

Good day! 
I am reaching out regarding several concerning accounts in my credit report that require investigation for a lawful resolution. Upon review, I identified inaccuracies and inconsistencies that violate the Fair Credit Reporting Act XXXX XXXX XXXX. The violations I have noted include : Violation of Timely Payments Regulations Violation of Finance Charge Determination Violation of United States XXXX Law XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I request that you provide proper evidence showing that I was late on this account, in compliance with Section XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX If you can not supply the required evidence, you can not deem payment as late, which constitutes a violation of Section XXXX USC XXXX. Please update the account as " PAID '' or " PAID AS AGREED. '' Additionally, I am filing this complaint due to the multiple inaccuracies in my report, which have negatively impacted my ability to secure credit. The violations that need prompt attention are : FCRA XXXX XXXX - Civil Liability for Willful Noncompliance FCRA Section XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Obligations with Respect to Disclosures of Personal Information FCRA XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX - Furnishing Deceptive Forms Violation of Credit Report Permissible Purposes Privacy Act violations XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I demand verifiable proof, specifically the original consumer contract with my signature, for the accounts listed. Under the FCRA, unverified accounts must be removed if you can not provide this proof. Therefore, I insist that the accounts be VERIFIED or REMOVED immediately. 
Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Bank of America Home Loans reports to   XXXX   a status of my home equity loan account starting with  XXXX **** as " Current ; Paid or Paying as Agreed ''. This is incorrect. The last payment on the said account was made in  XXXX  2010. The account became late in   XXXX    2010 and was never again current. I disputed with  XXXX , but the account was verified as accurate. Please see attached a copy of the credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has been inaccurate late payment reporting to the credit bureaus Experian, XXXX, XXXX XXXXThe account number from XXXX is # XXXX. I have sent proof of payment made from my checking account for the months inaccurately reported and still as of now they are still on my credit XXXX. The following months are the issue XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, ... .i have also mailed to CFPB the copy of both the initial complaint made to all three bureaus and also the 30 day demand letter to comply. As of today XX/XX/XXXX no correspondence or anything has been done .Please help me with this matter for this has caused a serious issue with my financial being to improve.
Product: Credit reporting or other personal consumer reports

Experian is reporting U S DEPT OF EDXXXX Account number XXXX. to have XXXX late payments and that the last payment was made in XXXX of XXXX. This information is incorrect. please see attached report from XXXX that is showing exceptional payment history with payments every month. How could Experian be reporting that there has not been payment since XXXX? this is absurd and incorrect.The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ). Under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 and following ), you may sue a credit reporting agency for negligent or willful noncompliance with the law I intend to follow through with this if it is not rectified and I am compensated immediately
Product: Credit card

I received a DasherDirect debit card through Payfare. Upon my first time trying to use this card, there was an error. Every time I have tried, it has been declined. I have the correct card information and have ample funds available. I have contacted support MANY times and have received XXXX help and XXXX answers, other than that my card has been suspended. Ive been told that it is unsuspended, but that was not true. I still can not access my funds or use my card.
Product: Credit card or prepaid card

You Navy Federal credit union are not supposed to report this item as negative I will report you to the IRS for tax fraud let me know if you want me to proceed you are in violation of FCRA 15 USC 1681 EB for reporting information that is not 100 %. I demand that you delete this charged off item from my credit report. The next step will be to contact the IRS and request a 1099c form and report your company for tax fraud.
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 recently CFPB lawsuit highlighting significant 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 infeasible. The CFPBs finding that Zelle has not only neglected to protect consumers but has also allowed repeated offenders to exploit the system, leaving user vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

Well 's Fargo bank is reporting this account inaccurately with all ( 3 ) bureaus XXXX XXXX, XXXX and XXXX. 
This account is in a closed/charge off status. This account is posting activity well after closed/charge off. 
Most recently as XX/XX/XXXX. 

This account is reporting MONTHLY : a credit limit late payments past due Last Payment are posting inaccurate : XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX and XXXX XX/XX/XXXX. 

Reporting ( 3 ) different closed dates : XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX and XXXX XX/XX/XXXX. 

Multiple account numbers reporting : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am writing to file a formal complaint against PayPal for permanently banning my account without providing a valid reason. My account was limited on XX/XX/year>, despite the fact that I have not violated any terms of the XXXX XXXX XXXX ( XXXX ). 

PayPal has restricted my account with no explanation or evidence of any wrongdoing on my part. I have reviewed the XXXX  thoroughly and am confident that I have not engaged in any prohibited activities. PayPal has failed to communicate the specific reasons for the account limitation, and does not provide a pathway to receive anything other than generic responses. 

I use PayPal for completely legitimate purposes, primarily receiving money from online freelance and survey platforms like Prolific and DScout. It is a necessary intermediary for me to be able to earn and transfer to my bank account, and this account closure is causing my personal hardship. PayPal is also unrightfully holding funds that are present in the account for what it says will be XXXX days. 

I request that PayPal immediately lift the limitations on my account and release my funds. Furthermore, I seek a detailed explanation for the actions taken against my account, along with a review of the decision to ensure it complies with PayPals policies and regulations. I request systematic action taken on PayPal 's side to reduce what appears to be an epidemic of unjustified bans.
Product: Credit reporting or other personal consumer reports

I am writing to formally file a complaint regarding unauthorized hard inquiries appearing on my credit report, in violations of my rights under the Fair Credit Reporting Act ( FCRA ) and other relevant laws. 

The following hard inquires appear on my credit report without my explicit consent or authorization. 

XXXX. Bank XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX ( via dealer ) Under 15 U.S.C. 1602 ( p ), permissible purposes for accessing a consumer 's credit report must be clearly established and authorized by the consumer. These inquiries were made without my explicit permission and, as such, constitute unauthorized access to my credit information.

Additionally, under 15 U.S.C. 1681c-2, I am requesting the immediate removal of these inquiries from my credit report. This provision grants consumers the right to have unauthorized or fraudulent inquiries removed to ensure the accuracy and integrity of their credit information. 

The presence of these unauthorized hard inquiries is negatively impacting my XXXX XXXX and causing unnecessary harm to my financial reputation. I have already attempted to resolve this matter with the reporting entities but have not received an adequate resolution. 

I request that the CFPB take the following actions : XXXX, Investigate the inclusion of these inquiries on my credit report to determine whether they were properly authorized. 

XXXX. Ensure the immediate removal of the unauthorized hard inquiries from my credit report. 

XXXX. Hold the responsible parties accountable for violating my rights under FCRA. 

I appreciate your prompt attention to this matter and ask that you keep me informed of the progress of your investigation.
Product: Mortgage

On XX/XX/XXXX I received a letter my mortgage had been transfer to a new company Freedom Mortgage. The letter included how to set up your account. New account number and amounted owed. The amount owed on the letter was XXXX. I set up an account on-line. When I went to make payment I couldn't log on didn't recognize my SS #. So I mailed the check on XX/XX/XXXX. On XX/XX/XXXX I received my new senior tax exemption from the county. I called the mortgage company talked to XXXX she said to mail it and gave me the address. I mailed the tax on XX/XX/XXXX. On XX/XX/XXXX I called and spoke to XXXX to see if it was received. No they haven't gotten it. So then she transferred me to XXXX and she gave me the fax number and said they would run an XXXX analysis when received. I faxed it received a confirmation sheet back saying it went. On XX/XX/XXXX I received a statement saying I owed XXXX for XXXX. I already paid what the first letter said the check was cashed on XX/XX/XXXX. 
I called XXXX XXXX regarding the taxes. They said in XXXX they refunded the taxes of XXXX and XXXX to XXXX of XXXX ( old mortgage company ). I called them they sent the money to XXXX on XX/XX/XXXX. On XX/XX/XXXX I called an talked to XXXX. She said they didn't received anything. I told her they paid the taxes which was XXXX. She said taxes was never so low. I told her I had an senior exemption. She put in research request and a XXXX anaylsis. They still say I owe XXXX. Called today still not straightened out. They put the XXXX in the XXXX but not the XXXX. I think they are trying to keep that money. I don't understand what they are doing. Please help me.
Product: Debt collection

In  XXXX  2017 I was contacted by phone at my employer in an attempt to collect a student loan debt. I have no student loans and informed the debt collector of that. I verified my middle name does not match that of the debtor they are trying to collect on.
On   XXXX / XXXX /1 7 I was informed by my employer that the debt collector had filed a wage garnishment. The paperwork received states it is for an individual with my same first and last name, but with a different SSN, middle initial, and address than me. It appears the only thing the debtor and I have in common are a first and last name.
The debt collector was informed that I am not the debtor on the   XXXX   2017 phone call and proceeded with an improper wage garnishment.
The debt collector is   XXXX   XXXX   XXXX  .   XXXX   XXXX   XXXX  ,  XXXX  , CA  XXXX . The account # is  XXXX .
Product: Credit reporting or other personal consumer reports

After thoroughly reviewing my credit report, I was alarmed to discover multiple errors that should never have been there. These are not minor mistakes ; they are actively damaging my financial reputation and creating unnecessary obstacles. I will not allow misinformation to dictate my creditworthiness and demand an immediate and thorough investigation. 

The following accounts and inquiries are inaccurate, unverifiable, or should not be reported under my credit file. There are multiple collection and charge-off accounts that require immediate removal, including XXXX XXXX with account number XXXX for {$470.00}, XXXX XXXX with account XXXX XXXX, XXXX, XXXX, XXXX, and XXXX, all reporting {$0.00}. Additionally, XXXX XXXX XXXX XXXX XXXX  with account number XXXX for {$310.00}, XXXX XXXX XXXX XXXX account number XXXX for {$900.00}, and XXXX with account number XXXX for {$6100.00} need to be removed as they are inaccurate. Other accounts that require verification or deletion include XXXX XXXX XXXX with account number XXXX for {$900.00} and XXXX XXXX XXXX with account number XXXX for {$270.00}. 

There are also multiple unauthorized or unverified inquiries that should not be on my report, including XXXX XXXX dated XX/XX/2024, XXXX XXXX XXXX XX/XX/2024, XXXX XXXX XXXX dated XX/XX/2024 and XX/XX/2024, and XXXX dated XX/XX/2024. These inquiries were not authorized by me and must be removed immediately. 

Additionally, my personal information is being misreported. My name is inaccurately listed as XXXX XXXX XXXX, with an alternate listing as XXXX XXXX. This is not my legal name and must be corrected. Furthermore, XXXX XXXX is incorrectly listed as my employer and needs to be removed from my file. 

Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to a credit report that is both accurate and verifiable. If these disputed items can not be substantiated with solid evidence, they must be removed immediately. This is not a mere requestit is a demand for compliance with federal law, and I expect a prompt resolution without delay.
Product: Debt collection

The debt is due to a medical XXXX for {$2000.00} on XX/XX/XXXX, & {$460.00} on XX/XX/XXXX. The debt is invalid due to it being charged to my mother and she filing bankruptcy last year. I filed a dispute through XXXX XXXX ( months ago ) stating that the debt is bankruptcy of another person but have not seen any changes. I never signed anything stating that I should be charged the balance everything was in my mothers name all bills due to me not having credit or insurance during the XXXX.
Product: Checking or savings account

A letter was written To change address in XX/XX/XXXX. In XX/XX/XXXX I had not received Yearly Annuity statement for XX/XX/XXXX. SEVERAL CALLS WERE MADE AND ACCESS WAS DENIED TO MY ANNUITY ACCOUNT.

DRIVER LICENSE LAST FIVE NUMBERS WERE VERIFIED AND A COPY IS ON FILE.

MY DATE OF BIRTH WAS VERIFIED AS INDICATED ON LICENSE AND ANNUITY ACCOUNT.

I ALSO VERIFIED COMPANY ANNUITY WAS.OBTAINED BACK IN XX/XX/XXXX.

AGENT STILL REFUSE TO UPDATED MY MAILING ADDRESS AND SEND ME FORM TO CLOSE OUR MY ANNUITY. 
THIS KEEPS OCCURRING EVERYTIME I MAKE A CHANGE TO MY ACCOUNT. MY LAST CHANGE WAS ADDRESS AND AFTER THEY CORRECT IT THEY REFUSE ME ACCESS TO MY ACCOUNT AND THE CYCLE REPEATS AGAIN DENYING ME ACCESS TO MY ACCOUNT.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX The account was paid in full via the XXXX XXXX XXXX arrangement for a payoff date directly with them they agreed to. How can anyone continue a security hold on a paid item- duh? That hold needed to come off once the account was paid. Never was I advised I was closing the account. At minimum the account should be moved to good standing paid. This is beyond comprehension that it should remain in the negative side of the report causing me untold financial harm! <P/>Their retort- When an account closes, ISPC has an obligation to report that accurately, using the format set by the credit reporting agencies. To report an account as closed ISPC must either indicate the account as closed by consumer or by credit grantor. Since it was not our decision to close your account, but rather you through your mortgage lender, we reported the account as having been Closed by consumer. <P/>1 this was a requirement of the Title Company when a home closes. It was not my request to close the account as they stated it was THEIRS- and that should reflect on the account pas paid in the positive column. 2- I was advised by them verbally the account would remain open. So much for Oral agreements! ' The key word accurately! I never closed the account- it was by nature of another lender and they never asked the account be closed just the security hold removed from public records. [ as closed by consumer or by credit grantor. ] If this is the companies policy then let them report accurately as they openly state they are required to do. How can they post this in the negative when they were involved in the account payoff?
Product: Debt collection

Halsted called, asked for me, recording stated they were trying to collect a debt, press XXXX to speak with someone. I then spoke with " XXXX '' and he asked to confirm my name, I did, then he asked for the last XXXX of my SSN, at which point I stopped him and told him that before we go any further I wanted the full name of the company and their mailing address as required by law. He said he did not have to provide me anything unless I gave hime my last XXXX of the SSN. Again I asked him to comply with the law and give me their mailing address and told him not to call my phone number anymore. He said he did n't have to do anything and hung up. I do n't owe anything, I wanted to send them a cease communication letter. I also believe they spoofed their calling in number.
Product: Credit reporting or other personal consumer reports

Under 15 U.S Code 1618B Permissible purpose of consumer reports ( a ) IN GENEREAL Subject to subsection ( C ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written instructions of the consumer to whom it relate. 

I, XXXX XXXX never gave Experian any written consent to report anything on my consumer report, no consent is identity theft. A copy of the law is attached with this dispute letter. 

Concerning the account listed below as a consumer, I am demanding a deletion of these account listed below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I researched the information, an this debt was back in 2011 .It exceeded the State of Texas statute of limitations Debt collection ACT. 4 years past due. They put it on the credit report to make it look like it just happen.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act Convergent Account from XXXX XXXXXXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

Under the code 15 U.S. CODE  1666B Im entitled to get the following accounts capital one auto finance late payments removed XXXX XXXX/dept of ed removed