23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I attempted to switch my television/internet/phone services to  XXXX  around  XXXX   2014 . I had  XXXX  working phone lines in my in which were not ported over, so I was left without working phone and internet services. I also experienced technical issues with my television services as well. I stayed in constant communication with  XXXX  as I did not have properly working services and I was always bounced to my previous provider of  XXXX  to handle the issue, in which they could not because my services were taken over by  XXXX . I spoke numerous times with  XXXX  technical support and porting services and to no avail services were not fixed and I switched back to  XXXX . I was informed that due to the trouble that I experienced, I would not owe a bill, it would be settled and now I have a bill reported in Collection, which I received no notice of prior to reporting to the credit bureaus. I spoke with  XXXX  customer relation a couple of months ago to have this matter taken care and I basically informed that I owed the bill.
Product: Debt collection

I recently reviewed a copy of my credit report to notice I was a victim of identity fraud. These account are negatively affecting my families ability to obtain new credit. Please remove these items immediately.
Product: Credit reporting

Equifax is showing negative information that is over 7 years old on my credit report for XXXX accounts. 
1 ) XXXX loan # XXXX shows late payments starting XX/XX/2010 that are over 7 years old. All negative notations should be removed. 

2 ) XXXX loan # XXXX shows under " Type '' 90 Day Late Payment. This is over 7 years old and detail has already been removed. The entire account should be deleted.
Product: Vehicle loan or lease

The contract that I signed with XXXX XXXX Dealership for the Capital One Auto Finance loan on XX/XX/year>. When I did the math by multiplying the APR ( XXXX ), the length in days of the loan ( XXXX ), and the finance charge ( {>= $1,000,000} ) and divide all them by the days in a year ( XXXX ), the total finance charge is suppose to be {$26000.00} and it is not that number according to the contract. This is an overstated finance charge by {$1300.00}. The XXXX was found by dividing the XXXX ( {$27000.00} ) with the amount financed ( 49,111.68 ), and it equals 0.56. Then, dividing the number of days in a year ( 365 ) by the length in days of the loan ( 2,283 ) equals 0.15. Multiple the 0.56 by the 0.15 equals an APR of 0.084 multiple that by 100, and you get 8.4 %, The APR is 6.8 % overstated. This institution is in clear violation of the Truth In Lending Act on overstated finance charge as well as the APR. They have a job to check each and every contract to make sure the numbers are correctly in line with the TILA.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im accordance with the fair credit act XXXX XXXX Transunion has violated my rights. The following address needs to be removed from my credit profile.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Section 602A states I have the right to privacy. 15 U.S.C. 1681 section 604A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently did an investigation on my credit report which caused severe depression upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. 

DEPT OF EDXXXX Account Number : XXXX XXXX  XXXX XXXX  Account Number : XXXX XXXX  XXXX  XXXX  Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX  XXXX XXXX  XXXX Account Number : XXXX DEPT OF EDXXXX Account Number : XXXX U S DEPT OF EDXXXXXXXX Account Number : XXXX U S DEPT OF EDXXXXXXXX Account Number : XXXX Also, In accordance with the Fair Credit Reporting Act, the list of accounts above have violated my federally protected consumer rights privacy and confidentiality under 15 U.S.C. 1681.

15 U.S.C. 1681 Section 602 A. States that I have the right to privacy.

15 U.S.C. 1681 Section 604 A, Section 2 States a consumer reporting agency can not furnish an account without my written instructions.

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 reason to believe that the information is inaccurate.

15 U.S.C. 1681c ( a ) ( 5 ) Section states no consumer reporting agency can make any consumer report containing any of the following items of information Any other adverse item of information, other that records of conviction of crimes which antedates the report by more than 7 years.
Product: Credit reporting or other personal consumer reports

XXXX. I have XXXX ( XXXX ) closed student loan accounts named XXXX XXXX XXXX XXXX # XXXX that are XXXX ( XXXX ) and XXXX ( XXXX ) years old each. 

XXXX. I have XXXX ( XXXX ) closes student loan account named XXXX XXXX XXXX XXXX # XXXX that is sixteen ( XXXX ) years aold anf XXXX ( XXXX ) months. 

XXXX. I have XXXX ( XXXX ) closed student loan account named XXXX XXXX XXXX XXXX # XXXX that is XXXX ( XXXX ) years old and XXXX ( XXXX ) months. 

According to Equifax, closed accounts that are XXXX ( XXXX ) years old will be removed. These accounts are over XXXX ( XXXX ) years old and continues to appean on my credit report. It is negligent that equifax which represents XXXX of the XXXX ( XXXX ) credit bureaus, continues to display these closed accounts on my credit report. These accounts has caused my credit score not move and my purchase of buying a house. It is believable that the government continues to hold the people of the United States in bondage with this antiquated system. Please delete these accounts from my credit account immeidately.
Product: Debt collection

Debt is only {$590.00} they unfair raised the price and keep switching collection agency and raising the fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and remove them immediately in my report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
1. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX 2. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
3. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
4. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
5. The inquiry was not authorized XXXX  XXXX Date of inquiry : XX/XX/XXXX 6. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
7. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
8. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX 9. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX XXXX, IL 10. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, IL XXXX 11. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX 12. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX XXXX XXXX, XXXX, XXXX 13. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, WI XXXX 14. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, WI XXXX
Product: Credit card or prepaid card

I submitted a dispute on XX/XX/2020 for an issue I was having with an order made through XXXX which still had not been completed at the time. I mailed and faxed this and did receive a receipt. On XX/XX/2020 Bank of America requested additional details regarding the transaction. In which I again reiterated that I was disputing the charge in full as I had ordered a closet installation and provided the dates in which I reached out to them and confirmed what the issue at hand was. Bank of America requested no other information from me but on XX/XX/XXXX, stated my claim was denied because I did not provide the amount that was being disputed, what it was for, or my attempts to resolve. However, all of that was both faxed and physically mailed to them. First on XX/XX/XXXX when I filed the dispute and on XX/XX/XXXX. There was no reason the dispute should have been closed and this charge billed back to me and oddly enough they opted to do so right on the closing date of the billing period so that they could tack on additional interest, then again, all of the details they said were not provided - were provided and after my submission on XX/XX/XXXX there was no contact from Bank of America stating that details provided were not enough or requesting clarification. It was simply closed for no reason. It is predatory and entirely incorrect because again, the details they asked for were previously provided twice and they never reached out to me stating otherwise.
Product: Credit reporting or other personal consumer reports

I am filing this complaint to EXPERIAN for allowing the fraudulent accounts on my credit report. I filed an FTC report with the identity theft report number XXXX. As I checked my credit report these fraudulent accounts are still reflected on my credit reports. I was expecting that I can count on them to protect my information and to provide accurate credit reports. There are multiple inaccurate information on my credit report the balances, date of late payments, payment status, date of last payment, and violation under FCRA policy. I have attached the FTC report together with my driver 's license and proof of address.
Product: Student loan

After graduating I had family issues and was n't able to start paying on my loans. Then I had XXXX and was out of work. I was told to go in forbearance every time I could n't afford to pay and after my forbearance ran out I was told to defer my loans. However, no one ever asked if I could afford to pay something that I was able to at that time. I now have all of this accrued interest which is insane. I get another call from Navient telling me my loan is past due. NOW they are willing to do an IDR?????
Product: Mortgage

Dear Carrington Mortgage Services, I am writing to formally dispute an inaccurate late payment report reflected on my credit report for XX/XX/year>. Upon reviewing my credit history with my loan officer, I was alarmed to discover a late payment notation for that month. I need to clarify that this report is erroneous. 

In XXXXXXXX XXXX, I sold my property, which was subsequently paid off in full. Given that the mortgage was fully settled before that month, there should be no record of a late payment for XX/XX/year>. Furthermore, I did not receive any statements during that time, potentially contributing to a misapplication of payments or a delay in processing. 

It is crucial to note that during this period, I was facing a significant medical emergency, which led to hospitalization. While I did my utmost to ensure all financial obligations were met, the medical situation may have impacted my ability to manage paperwork and payments directly. Nevertheless, this does not alter the fact that the mortgage was paid off as agreed. 

The erroneous late payment report is causing severe repercussions, including denials of credit extensions, which is unjust given my adherence to the payment schedule and the fact that the loan was entirely satisfied.
Product: Credit card or prepaid card

Paid off full amount ( with balance transfer ) and after balance and was paid BOA charged me interest fee {$74.00}. I am unemployed from XXXX of 2020 and I am not receiving unemployment either. BOA is creating hardship at the same time when our government is putting huge efforts to help us keep our kids fed. Also BOA released statement on XX/XX/XXXX of 2020 that they will help people during pandemic and dismiss charges like this one. Even with all difficulties we are facing and running broke we still decided to pay this of while we are just buying time and accumulating fees for balance transfers.
Product: Credit reporting or other personal consumer reports

I am writing to address the ongoing issue of fraudulent, inaccurate, and misleading information on my consumer report, which remains unresolved despite my repeated efforts to rectify it. The presence of these unauthorized items has caused me considerable distress and anxiety, significantly impacting my daily life. I must emphasize that I never gave permission for this information to be associated with my name, as I have been a victim of identity theft.
Product: Debt collection

A few years back I was involved in a XXXX accident where a driver in a vehicle hit me head on. Thus, I was in a difficult situation where I could not pay my bills. Now that I am back to work full time, I desire to avoid filing for bankruptcy. Therefore, I am sending requests to my creditors, debt buyers and collection agencies the following criteria : 1 ) Your financial institution, collection agency or debt buyer will not make calls to me either on my personal cell lines or at my employment.

2 ) That all correspondence take place in written form only.

3 ) That your office will accept a settlement offer of 25 % of the charge off balance as payment in full, and upon such acceptance I will agree to make said payoffs within a very short and reasonable time period.

4 ) Your office will mail all correspondence to my home address or my email at XXXX. 
Thank you for your consideration in this matter. 

XXXX XXXX
Product: Mortgage

Back in XX/XX/2020, My HOA did NOT SEND the renewal of flood insurance to Flagstar and they force imposed a flood policy. I submitted the renewal and was assured that the mortgage was in good good standing and the imposed flood policy would be removed. Since then, my mortgage statements show me past due. I have called and talked with supervisors several times and they have promised to find out what is wrong, but no one has ever resolved it, nor has anyone called me back. I have made EVERY mortgage payment ON TIME through bill pay from my bank. I don't know how to get someone to resolve this. They just don't care. Now my credit could be affected. 

XXXX XXXX
Product: Checking or savings account

I am writing to file a complaint against Nacy Federal Credit Union regarding multiple overdraft fees I incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagging posting of charges and credits. This issue aligns with recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Money transfer, virtual currency, or money service

To whom it my concern, on XX/XX/XXXX. 2022 I never received {$1000.00} to my XXXX account from my cousin, who wire money via Zelle XXXX XXXX XXXX ). We have exchange money back and forth frequently around same time frame ( XXXX Zelle ). approximately on XX/XX/XXXX. 2022 I noticed someone tried to wire {$5000.00} from my account without my knowledge, I immediately called chase and we started investigation. I have learned that my account at chase was hacked and all my personal information was changed and rearranged with in the account like primary phone number and E-mail address and very suspicious activities were happening. Shortly after, with extreme difficulty and many investigations from XXXX XXXX and XXXX we got to learned that my money end up at XXXX  XXXX XXXX at unknown account to us. My problem is that no-one taking responsibility and my XXXX dollars are gone without further logical and fair explanation. Zelle, XXXX, and XXXX  XXXX XXXX keep pointing fingers at each other. not sure if you'll help either, but I'm exercising all my options at this point. Please advise. Thank you.
Product: Credit reporting or other personal consumer reports

I do not have a contract with I C SYSTEM INC, they did not provide me with the original contract as I requested.

I find it concerning that I C Systems is not complying with legal request. Are they even registered with the state and county?

I request I C Systems INC collection agency provide proof they sent debt validation, as is my legal right.

If I C Systems INC can not provide proof, I demand this account be removed from my credit reports, as is my legal right per FCRA section 623. ( a ) ( i ). 

According to XXXX XXXX XXXX 1997 IC Systems Inc is suppose to ensure " maximum '' possible " accuracy ''. 

This account violates : 15 USC 1681i, 15 USC 1681s2, 15 USC 1681i5, 15 USC 1681eb. 
Delete this account! 

I already have a complaint in with the XXXX, and IC Systems INC refuses to abide by my legal request and is continuing their violations of the FCRA 623 ( a ) ( i ) For your records, this XXXX complaint was assigned ID XXXX in the XXXX  system. 
XXXX  contact below XXXX XXXX Dispute Resolution Specialist XXXX Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, I recently checked my credit report XX/XX/XXXX and there were a few errors on my credit account that I was told would be removed from my credit report but yet Is still reporting. I am just trying to get everything accurate. Due to everything going on In this world with the Corona-Virus, I have had more time to look at my report and notice these errors. 

Late Removal XXXX XX/XX/XXXX ( I was told by there customer service. I would be given a goodwill adjustment and that this was going to be removed from my report report ) Hard Inquiry XXXX  XX/XX/XXXX XXXX XX/XX/XXXX ( When I found out about these 2 accounts I closed them right away as I never opened them and they were not authorized by me. If anyone can show any validation of me going to there stores signing anything. Never happened. They had agreed to remove these hard pulls from my account since I never authorized the card. The way the Customer Service rep explained was these cards will be removed from credit report all together since I owed no money and gone from Inquires since I never applied for them ) XXXX  XXXX  XX/XX/XXXX not authorized by me ( I believe this to be fraud ) XXXX XXXX  XX/XX/XXXX not authorized by me ( I believe this to be fraud )
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concern regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with that platform. Despite using Zelle numerous times and reporting discrepancies, financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds are impossible and that tracking these funds were unfeasible. The CFPB 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

XX/XX/XXXX a fraudulent unauthorized closed account and account number # XXXX reappeared on my credit report. My information was leaked in the XXXX XXXX data breach and was also leaked in the capital one data breach.
Product: Credit card

I am re submit my complaint with Capital one Bank I have not had a Capital one Bank card. I had request copy of validation debit and the only thing I have receive statement and payment made at gram money for this o account. Until now I have never receive any paperwork or statement from this Company, My personal information has been used without my permission. I had send over multiple police and letter and fill out affidavit. I also send copy from my back account showing when I dispute an unauthorized transaction from this company. I I am sending all my paperwork also to CFPB
Product: Credit reporting or other personal consumer reports

I have sent multiple dispute letters to Transunion disputing XXXX chargeoffs on my file that are being reported inaccurately!! Both chargeoffs, one from XXXX card and one from XXXX XXXX are reporting different balances, last date of activity and account open date from XXXX!!! XXXX has removed both these accounts for the exact reason!! This is a violation of the FCRA, information should be the same on all 3 bureaus .... I demand another investigation and for the accounts to be removed for inaccuracy