23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I asked for balance of payoff and paid the amount company said I owed. I received a letter confirming payoff but two months later was notified that I still owed a payment. I disputed the amount owed both by phone calls and by registered mail. My only response for two years has been that I owe the " last '' payment. They have now turned me over to collections. 
If I agree to last payment they said I still would owe hundreds of dollars in fees and interest. 
What is my recourse?
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to bring to your attention several violations of my rights under the Fair Credit Reporting Act ( FCRA ) by the following entities : 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 In accordance with the FCRA, specifically 15 U.S.C. 1681, I believe my rights have been infringed upon as follows : Right to Privacy ( 15 U.S.C. 1681a ) : I am entitled to privacy regarding my credit information. However, I have reason to believe that the aforementioned entities have mishandled my personal information in violation of this provision. Despite my expectation of privacy, my credit information has been improperly handled or disclosed. Failure to Obtain Written Instructions ( 15 U.S.C. 1681b, Section 604 ( a ) ( 2 ) ) : According to this section, a consumer reporting agency is prohibited from furnishing credit information without my written instructions. It has come to my attention that the aforementioned entities have reported information about my accounts without obtaining such instructions from me, thereby violating this section of the FCRA. I am deeply concerned about these violations and the potential impact they may have on my financial standing and reputation. I request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate action against the aforementioned entities to ensure compliance with the FCRA. Enclosed with this letter, please find copies of relevant documentation supporting my claim, including credit reports, correspondence with the listed entities, and any other pertinent information. I appreciate your attention to this matter and look forward to a prompt resolution. Should you require any further information or clarification, please do not hesitate to contact me at the above-listed contact information. Thank you for your assistance in protecting consumer rights under the FCRA. Sincerely,
Product: Debt collection

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report : 1. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.

2. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
XXXX Account Number : XXXX Please remove it from my credit report.

3. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
XXXX  Account Number : XXXX Please remove it from my credit report.

4. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
XXXX  Account Number : XXXX Please remove it from my credit report.

5. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
XXXX Account Number : XXXX Please remove it from my credit report.

6. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.

7. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX to 3 Credit Bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ), they are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX Balance : {$2.00} XXXX  XXXX Balance : {$420.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX ) XXXX XXXX : {$5800.00} XXXX XXXX Balance : {$2.00} ; XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

As a result of a data breach, my personal information was compromised, leading to unauthorized accounts and credit inquiries being added to my credit report without my knowledge or consent. These accounts and inquiries were not initiated by me, yet they persistently appear on my report, negatively impacting my credit profile. Despite my efforts to address these inaccuracies, they continue to be reflected, raising serious concerns about the security of my personal information and the integrity of my credit report. I request that you investigate and remove the following items : Collection/Charge Off XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Theres inaccuracies in my XXXX report showing a collection for {$100.00} from XXXX XXXX opened on XX/XX/XXXX. Another inaccuracy is on my XXXX report from XXXX   XXXX for {$500.00} opened on XX/XX/XXXX. I pay all my bills. These are not my collections/accounts.
Product: Mortgage

We received an offer from Bank of America to refinance my existing loan with BAC. I called them to apply for a 15 year refinance, to replace our current 30 year mortgage with them, with 24 years remaining. We submitted all the documents required, XXXX, tax returns, social security benefits. My credit score is XXXX ; our credit usage is only 2 %. My income is in the mid $ XXXX. I have no debt other than my mortgage. I was never late on any payments. I paid {$450.00} for an appraisal. 
Bank of America rejected my refinance application stating " Debt to income ratio : Excessive obligations in relation to income ''. This is totally untrue, since I have a XXXX score from XXXX of XXXX, and a credit usage of 2 %. 
Absolutely no one from Bank of America responds to my phone calls or emails. 
Please help me in resolving this issue.
Product: Checking or savings account

Navy Federal Credit union hurt me financially at times in my career from 2018-until now due to overdrafting my account on numerous occasions due to the insufficient funds I had but to my knowledge I had in the account of time of purchase. I have banked with them since 2018, I have had instances where they did not remove the funds or added the funds at an adequate time for my account to use causing overdrafts. This new founding lawsuit that they are filing against them, shows true colors in which they have hurt service members like myself financially charging illegal overdraft fees.
Product: Debt collection

The entity Portfolio Recovery Associate has listed on my credit report an amount of XXXX $ for a debt I dont owe neither recognize. I never held neither opened any account with this XXXX XXXXXXXX XXXX  XXXX listed on my credit report with XXXX. The account number listed is XXXX for an amount of {$650.00}
Product: Debt collection

XXXX  : I was in the dispute process with XXXX XXXX XXXX 

XX/XX/XXXX : XXXX XXXX ignored my dispute and sent the bill for {$800.00} to Fair Collections & Outsourcing. 

XX/XX/XXXX : Dispute was opened with XXXX. ( No stop to collections was made ) XX/XX/XXXX : I receive an email from XXXX with no subject line and no amplifying information. Attached documents are from XXXX XXXX showing a bill they had and our move out sheet. 

XXXX gave me no information regarding the dispute. I had no way of knowing whether the dispute was still open, If I was required to send more documentation, anything at all. I received no phone calls or email correspondence from XXXX since XXXX XXXX XXXX reports account to credit bureaus. 

XXXX  : I called XXXX to find out what the status is of this dispute. They told me that the case had been closed. Again, I received no correspondence alluding to this. I spoke with a representative and reviewed XXXX XXXX 's dispute attachments. In that dispute they showed a move out inspection sheet which I never received a copy of. On this check out sheet you will see additional inputs/handwriting that was not present during move out inspection. As you can see, the carpet was circled clean during inspection and later inputed " replace '' in different handwriting. The problem is the carpet was not needing a replacement during both pre and move out inspection. This carpet was practically new as you can see the lifespan that was left. XXXX XXXX claimed my XXXX dog ruined this carpet in the span of 5 months. If that was the case there would have been no error in circling the condition of the carpet during our in person move out inspection. I was not notified of the carpet replacement until XX/XX/XXXX. I moved out on the XXXX. One of the XXXX reps I spoke to felt bad about the situation and offered 20 % off the price. Knowing this was fraudulent practices by XXXX XXXX. 

XXXX XXXX I got in contact with a manager at XXXX. He stated he was going to reinvestigate this dispute. In my eyes, this account should not have even impacted my credit at this point. They want a copy of my move out inspection sheet which I did not receive a copy of. The only copy in existence is the one with fraudulent changes made after my signature. I was told that he would reinvestigate and speak with XXXX XXXX 

XXXX  : After no updates given, and my account reported to the credit bureaus I called XXXX. The manager stated XXXX XXXX reached back out and requested a copy of the original move out inspection sheet which does not exist. If I do not present this copy, XXXX deems XXXX XXXX correct. 

This is very one sided in my opinion. XXXX 's dispute process is a worthless and unfair process full of one sidedness and lack of communication. I was never made aware that the dispute was over and I had XXXX amount of days before this would impact my credit for a charge that was unethical.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXXXXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX Account # XXXX, Has violated my rights. 
I received two letters from the same accounts, Accounts ending # XXXX I received two letters from the same accounts, Accounts ending # XXXX I been receiving, phone calls from the same accounts/ that's also a violation of my rights. number XXXX That has violated my rights, I will be uploading the Letters that has Violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S. Code 1681b - Permissible purposes of consumer reports ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

15 U.S. Code 1681g - Disclosures to consumers ( 1 ) All information in the consumers file at the time of the request, except that ( A ) if the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure ; and ( B ) nothing in this paragraph shall be construed to require a consumer reporting agency to disclose to a consumer any information concerning credit scores or any other risk scores or predictors relating to the consumer.

15 U.S. Code 1681c - Requirements relating to information contained in consumer reports ( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
Product: Mortgage

We had a mortgage through freedom mortgage and sold the property. XXXX sent the mortgage company an insurance refund on XX/XX/21. I called freedom mortgage multiple times asking them to release the funds to me within the mandated 20 business days. They finally issued a check to me 25 business days after they received the money ( XX/XX/21 ). I received and put this money into my bank account on XX/XX/21. On XX/XX/21 my bank notified me the check was bad, and i called freedom mortgage and they informed me they put a stop payment on the check and dont know why they did this. They now say they need another 10 business days to issue me another check. They had a exceeded the allowed time they are allowed to hold someone elses money by 3 weeks, which is illegal. I tried to resolve this with the company and ask them to get the money to me sooner and they said they could not.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a discrepancy in my personal credit report ( s ) that is in violation of my consumer rights. Please permanently delete and block the below account from my EXPERIAN, XXXX, and XXXX  credit report ( s ). This account is fraudulent and unverifiable. 

XXXX XXXX XXXX This account is unverifiable, fraudulent, and is violation of my consumer rights. Requesting to permanently remove this account.
Product: Credit reporting or other personal consumer reports

There is a bankruptcy entry on my credit report that does not belong to me. I suspect it may be the result of identity theft or fraud, and Im worried about its impact on my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and the information inserted under XXXX XXXX in the amount of {$400.00} is a result of identity theft. I have never done any business with XXXX  XXXX. Please delete this account from my credit file immediately. As directed by 605B of the FCRA you are required to block and notify furnishers of this information.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX  XXXX Account Name : XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

I am submitting this dispute regarding the following negative items on my credit report : XXXX - XXXX - {$8600.00} XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX Address XXXX es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX Address XXXX es ) : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX These entries remain unverified and raise serious concerns about their accuracy. I have made multiple attempts to resolve these discrepancies by submitting disputes and providing supporting documents, yet no corrective action has been taken. This lack of resolution has negatively impacted my financial stability and taken a significant toll on my overall health. The ongoing stress caused by these unresolved issues has made it difficult to focus on daily responsibilities.

As stated in the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report free of inaccurate or unverified information. I request a thorough investigation and prompt resolution of these matters to ensure compliance with federal regulations.
Product: Debt or credit management

I signed up with National Debt Relief ( XXXX ) in XX/XX/XXXX. I received a settlement offer from XXXX on XX/XX/XXXX regarding my XXXX debt, I agreed to the offer on XX/XX/XXXX. I received a letter notifying me of legal action from a law firm regarding my XXXX debt dated XX/XX/XXXX but did not receive the letter until XX/XX/XXXX in the mail. I called XXXX to notify them of this issue, they told me they would escalate this. I called XXXX on XX/XX/XXXX asking for an update on another debt, also just finding out from them that XXXX rescinded the settlement offer. No update or status was provided to be of this issue. Again I was told this would be escalated. I called XXXX 's Law Firm and told them what was going on and that I was working with XXXX. I did not hear back from anyone until I received a letter in the mail on XX/XX/XXXX stating that a lawsuit had been filed. This issue should have never have gotten to this point. 

I feel that XXXX was not working for my best interest and feel this company is a sham. Had I known this would be the result of signing up with them, I would have just made payments to XXXX myself instead of to them. I also feel that it was unethical of XXXX to rescind their settlement offer.
Product: Credit card

I had XXXX ( XXXX ) credit cards with HSBC Bank USA that accumulate points for every dollar I spend with my credit cards. The points that I earn accumulate in my account until i used it for purchase of airline ticket or other goods and merchandise, base on the terms and agreement with the credit card company my points never get expired. I currently have XXXX points XXXX card and XXXX on the XXXX card. I received a letter in the mail one day to my surprise the bank close my account and cancel my credit cards. When I call the bank to inquire what the problem was I was told that my business was not profitable since I am a very good customer and I always pay my balance in full the bank is not making money from my business, when I inquire about my points the are saying I lost the points because my account was closed. I am writing to you to help me regain my points since the bank choose to close my account without my consent and did not give me the opportunity to redeem my points which worth a lot to me.
Product: Vehicle loan or lease

I have had an auto lease with Motolease LLC that was closed last year. However, for some reason they still report that this account is active and past due. This is not correct information reporting on my credit file.
Product: Money transfer, virtual currency, or money service

back in XXXXall the way till XXXX I had unauthorized transactions that I didn't do and didn't get no help from cash app getting my money back all they told me was they can't do nothin bout it cuz the money was already sent or spent and basically had to take it as a lose they even locked me out my account for almost a year bak in XXXX I think it was or early XXXX they almost clicked on me and told me they couldn't do nothin bout it
Product: Credit reporting or other personal consumer reports

The lease in question ended at the end of XX/XX/2024. I was granted an extension to purchase the vehicle. The lease extension was through XX/XX/XXXX. I sent XXXX a bank check for the full purchase amount which was received by XXXX on XX/XX/XXXX ( XXXX Tracking Number XXXX ). XXXX is now reporting the lease as delinquent. 

I called XXXX on XX/XX/XXXX after I became aware of the status of the lease. XXXX indicated that they are experiencing a delay in processing the end of the lease. XXXX stated it is taking them about XXXX  days to complete the lease end process. I emphasized to XXXX that the information on my credit report was incorrect. XXXX offered to e-mail a letter stating that the lease has been paid as agreed. XXXX stated the letter would be sent via e-mail within the next XXXX hours. No letter has been received. The status of the lease is still being misreported.
Product: Money transfer, virtual currency, or money service

Square told me last Tuesday my funds should be sent to my account within 48 hours and its been nearly over a week now and I still havent gotten the deposit this is the second time I contacted CFPB about the issue
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX {$30.00} inaccurate and was suppose to be deleted since XXXX. 

NelNet Student Loans Invalid Dates need to be removed off report. 

XXXX XXXX XXXX been inaccurate for over XXXX years account closed already. Please delete. 

Update credit card balances Total Debt is wrong. Please verify and correct.
Product: Debt collection

I have spoken on the phone with this company many times in which they stated that they are trying to help me in resolving the debt so that adverse reaction would occur on my credit report and help me to avoid future legal actions
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX there were several accounts opened in my name and I contacted all five of the creditors. Three of them closed the accounts immediately and removed them from the tri merge credit report. 2 of them both XXXX XXXX refused and they still show charged off accounts I did not open. On XX/XX/XXXX I was falsely XXXX on XXXX XXXX XXXX which was dismissed in XXXX. However, I was under the order of the court not to go back to my home until the case was settled. From XX/XX/XXXX to XX/XX/XXXX I was living in XXXXXXXX XXXX and various hotels throughout my of XXXX  and XXXX. In XXXX of XXXX an account was opened with XXXX XXXX in my name. I was not allowed to go to my home but an account was opened in my name. I have all the court documentation. This year on XX/XX/XXXX an account was opened in my name with XXXX XXXX XXXX  which I had no idea of until XXXX of this year. This account was paid by someone 3 times and then went delinquent. 

I disputed all of these accounts with XXXX and but a consumer statement on my account in XXXX to contact me before extending credit and only one car loan company has followed my request. Now my credit score is drastically lower than the XXXX  in the XXXX  when this card was opened. That is not right or fair. The creditors were notified that these are not my accounts but continue to list them on my report. Please Help!