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

THIS COMPLAINT IS TO SHOW THE CONSUMER FINANCIAL PROTECTION BUREAU OF MY NOTICE TO BANK OF AMERICA OF THEIR UNLAWFUL FURNISHING OF MY PRIVATE TRANSACTIONAL INFORMATION THAT CONGRESS DEMANDS BE EXCLUDED FROM A CONSUMER REPORT UNDER 15 USC 1681a (2) (ii)  AND 16 CFR 313 WHICH IS ALSO A VIOLATION OF MY PRIVACY PER THE PRIVACY ACT OF 1974 AND THEIR DUTIES UNDER 15 USC 6802.------------------------------------------------------------------------------------------------------------------------------------------------------------------------------NOONE CAN FORCE OR ASSUME CONSENT!----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------THIS NOTICE IS TO MAKE THE CFPB AWARE THAT BANK OF AMERICA  HAS BEEN MADE AWARE OF THEIR FRIVILOUS ACTS AND HAS BEEN DEMANDED TO CORRECT THEIR ACTIONS-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------SEE ATTACHED LETTER-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------ALL FUTURE COMMUNICATIONS AND ANY REFUSALS TO DO WHAT IS RIGHT WILL BE KEPT AND RECORDED FOR EXHIBIT PURPOSES TO PROOVE WILLFUL NEGLEGENCE AND HARM TO THE CONSUMER AS WELL TO PROOVE AND SHOW A TOTAL DISREGARD OF THE CFPB AND AND DISREGARD OF BANK OF AMERICA OBLIGATIONS UNDER 15 USC 6801
Product: Vehicle loan or lease

This started XX/XX/XXXX, unable to make my XXXX payment due {$290.00}, after talking to them the autobill pay would be stop and I would let them know when to resume. By the time the money was returned to me, I contacted them, since it was close to the next payment, I ask could I just pay XXXX and XXXX together, they said OK and stated to me there would not be a late charge or fee as long as it was paid by XX/XX/XXXX. So, on XX/XX/XXXX. I walk into the Bank and paid with cash. What was done when they processed the payment they took the first {$290.00} and applied {$190.00} interest, {$100.00} to principle, and the second payment of {$290.00} was all applied to interest. which is not correct. Note autopay had not been restarted as far as I knew. at that point they have XXXX payment total. So I notified my bank, show what was going on. they reversed the charge of {$290.00} to me. which made the account current and they would not get any more than they were supposed to. Before my next payment became due for XXXX I received a notice about and additional {$20.00} added to my account because a payment was reversed back to me from my bank. Which made my balance due for XXXX $ XXXXThey stated to me I did not verbally tell them to totally stop the auto-pay. I was also told that once I paying the {$290.00} plus the {$20.00} late fee, which total {$310.00} any other fee would be removed and I would be current I then can resume my regular payment. that did not happen Between XXXX and XXXX the fees were applied back to my account. I received phone call from their collection department. I put in several disputes where management I have been charged {$20.00} per month late fee totaling over {$120.00} up this point. after I constantly stated, '' Im not paying any late fee or extra fee on this account. I paying my regular car payment each month. Another collection agent XX/XX/XXXX told me to go into my branch have them put in a internal reversal of the {$590.00} and then applied it properly and remove all the fee. They did a reversal but the payment is not applied properly. ( that number is on the activity sheet dated XX/XX/XXXX. this is in their handwriting from the bank. Some of my payment disappeared you can see 2 months in a row on the account activity sheets. Last Wednesday I have been referred to their escalation department and spoke to and individual by the name of XXXX who stated to me that she request the fees to be removed and it would show almost immediately, that did not happen. Looking on their website Last payment paid on XX/XX/XXXX which is my XXXX payment and my payment due by XXXX XXXX is {$410.00}. I also made a complaint to the XXXX XXXX of XXXX XXXX for assistance, they have tried several time to contact them with no response back, I now referred to you for assistance, Thank You
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and not ced several accuracies on my account. This account is nurting my ability to obtain cred titis ity understanding tat you Wil investigate these items for me to ensure accuracy. 
Here is the item l am asking vou to venty as accurate XXXX account XXXX XXXX # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion has not sent my report because they say they need proof of address. However, I have not moved since I mailed my proof of address along with my request to XXXX XXXX XXXX for my credit report in the first week of XX/XX/2021. 

XXXX and XXXX didn't seem to have an issue sending my reports in response to my written request. 

Additionally, Transunion didn't seem to have an issue with sending my report in response to an adverse action taken in XX/XX/2021. I haven't moved since XX/XX/2021 either. 

See attached postcard from Transunion stating they needed proof of address as well as the first page of the credit report Transunion sent in XX/XX/2021.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I looked at my " updated credit report '' I noticed that There are still accounts and new inquiries that DO NOT belong to me but are affecting me negatively. The Unauthorized inquiry is from XXXX XXXX XXXX XXXXThe unauthorized accounts that I already reported to the credit bureau are XXXX XXXX XXXX {$10000.00} opened XX/XX/XXXX, XXXX opened XXXX {$110.00}, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$630.00}, XXXX XXXX XXXX {$1600.00}, XXXX {$530.00}, and XXXX XXXX bank opened XX/XX/XXXX {$10000.00}. These item are stopping me from being accepted inti the first time home buyers program and stopping me from being able to move into a saver neighborhood for my children. I have sent in my identity theft affidavit from The Federal Fair Trade commission. Please delete the items as soon as possible
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my tenth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. XXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXX ; XXXX XXXX  Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXXXX/XX/XXXX ; XXXXXXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

We have noticed unfamiliar accounts on our credit reports that are not ours. We believe these could be linked to identity theft or fraud.
Product: Debt collection

They tried contacting me via my cell phone number and I did not call back because right now I am trying to figure out how to tackle some of my student loan debts. Finally called my employer and told me that in order to settle the debt I would have to cash in my retirement fund. Gave me 3-4 days to look into it. Called me work again. I told them I would not be doing that and he proceeded to tell me that if I don't do that then I am refusing to pay the debt when I in turn told him that I would like to start paying on the debt via a payment plan. He would not give me that as an option. He kept insisting my only option was to borrow against my retirement and that me saying I wouldn't was me refusing to pay the debt when I was suggesting a payment plan. As it stands there is no resolution because the ONLY option they are giving me is to pay my debt in full with no other options. I have since gone to a financial counselor and they suggested to report this type of contact. It was VERY abrasive and insistent. I've since learned that you can tell them not to call your work which I did and they have stopped, but continue to call my cellphone, but I am hesitant to answer because he was very insistent that I only had ONE option to pay the debt off. I've never dealt with a debt collector like this before and it gave me major anxiety especially since they are giving me no other option. I would like to start paying on the loan via a payment plan.
Product: Credit reporting or other personal consumer reports

Dear XXXX, I am writing to dispute the accuracy of certain information in my credit report. I am aware of the recent lawsuit filed by the Consumer Financial Protection Bureau ( CFPB ) against XXXX, alleging violations of the Fair Credit Reporting Act ( FCRA ), including failures to properly investigate consumer disputes and the reinsertion of inaccurate information. 
I believe the following inaccuracies in my credit report may be reflective of the issues raised in this lawsuit. I kindly request that you investigate and correct the disputed items : XXXX. XXXX : a. AccountName : XXXX. 
XXXX : XXXX XXXX : Closed Payment Status : Seriously past due date/ assigned to attorney/collection agency. 
XXXX. XXXX : a. XXXXXXXX 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/year>
Product: Credit reporting or other personal consumer reports

I value your help in removing a portion of the data in my credit file that came about because of FRAUD yet I have an Items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXXXXXXXXXX XXXX ( XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX {$270.00} ; XXXX XX/XX/2022.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the Experian credit bureau to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : DEPT OF EDUCATIONXXXX XXXX Balance : {$10000.00} ; ' DEPT OF EDUCATIONXXXX XXXX Balance : {$9300.00} ; DEPT OF EDUCATIONXXXX XXXX Balance : {$1100.00} ; DEPT OF EDUCATIONXXXX XXXX Balance : {$3000.00} XXXX DEPT OF EDUCATIONXXXX XXXX Balance : {$1900.00} XXXX DEPT OF EDUCATIONXXXX XXXX Balance : {$5900.00} ; DEPT OF EDUCATIONXXXX XXXX Balance : {$5800.00} ; DEPT OF EDUCATION/XXXX XXXX Balance : {$3900.00} ; DEPT OF EDUCATIONXXXX XXXX Balance XXXX {$350.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute to Equifax on XX/XX/2021 because multiple accounts should have aged out. Both XXXX and XXXX have acknowledged that and removed the items from my report. Yet, Equifax swears that the dates they have are accurate. If they were accurate, why would these accounts come off of the two other credit bureau reports? I don't trust that the report they sent me on XX/XX/2021 ( the dispute results ) and would like them to either remove the aged out accounts or provide better 'proof ' that they verified the dates. Or are they implying that they know better than both the other bureaus?
Product: Credit reporting, credit repair services, or other personal consumer reports

I have this account that is not mine and i want it to be removed from my credit asap. 

1. Identity Theft REGIONS BK/XXXX XXXX Account Number : XXXX This is not mine.
Product: Money transfer, virtual currency, or money service

I made a payment of {$45.00} XX/XX/2023 on cash ap which I believe was a scam. After I made the payment the person stopped responding, so I contacted cash app support through the app and by phone and no one is assisting me
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit reporting agency in violation of FDCPA, FCRA, STATE AND FEDERAL laws.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY. XXXX XXXX XXXX XX/XX/XXXX Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX Washington, DC XXXX Subject : Request for Removal of Negative Reporting from Credit Bureaus Dear CFPB Team, I hope this letter finds you well. I am writing to formally request your assistance regarding negative reporting on my credit report that I believe is unjust and detrimental to my financial well-being. 

My name is XXXX XXXX XXXX, and my Social Security Number is XXXX, last four digits : XXXX. I have been monitoring my credit reports from the XXXX XXXX credit bureausExperian, XXXX, and XXXX have identified negative entries that should be removed. 

I am upset due to the XXXX negative reports on my credit from all XXXX reporting agencies. For example, I have a Collection/Charge off from XXXX XXXX XXXX for the month of [ XXXX, XXXX ], which I believe is inaccurate due to 15 USC 1681b I have taken steps to resolve this issue directly with the creditors involved, including multiple letters and calls. Despite my efforts, the negative reporting remains on my credit file, adversely affecting my credit score and ability to secure loans. 

According to the Fair Credit Reporting Act ( FCRA ), I can dispute inaccurate or incomplete information in my credit report. I kindly ask for your guidance and intervention in this matter to facilitate the removal of these negative entries from my credit reports. 

I appreciate your attention to this matter and look forward to your prompt response. Please contact me at XXXX or email me at XXXX if you require any additional information. 

Thank you for your assistance. 

Sincerely, XXXX XXXX XXXX
Product: Vehicle loan or lease

I have two vechile on my credit report that been on car accidents that the cars are total out. One car was payed off. The other car was not payed off.
Product: Debt collection

I have attempted to obtain validation of the debt the creditor is attempting to collect. The company has failed to respond.
Product: Vehicle loan or lease

Wells Fargo repossessed my XXXX XXXX truck and I had to pay to get it back.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted multiple request for XXXX to validate/verify a XXXX auto repossession appearing on my credit reports. I have advised the bank my identity was stolen while traveling. Additionally, I have provided documentation to support my claim i.e police reports, identify theft reports, leases, utility bills, etc. I've also mailed multiple request for All Executed Contracts and Documents on this account to validate/verify this debt and confirm the balance. Demanding that the bank either forward the requested documentation or immediately cease collection and remove this account from my credit file. 

To Date, I have received conflicting notices from both XXXX ( notice of repossession on XX/XX/XXXXXXXX  ) and XXXX ( notice of insurance claim on XX/XX/XXXX ). These notices/documents suggest the vehicle was repossessed and involved in an accident on the same day. The notice from XXXX indicates an insurance claim was filed, as a result I received an incident report form requesting information. The notice from XXXX advised of the repo and the right to retrieve personal items. I have sent correspondence to both companies requesting all executed contracts/documentation to validate both accounts - vehicle and insurance. Yet, I have not received a response from XXXX. However, XXXX continues to forward generic letters assuring me the debt is valid without sending any of the requested documents to support their claim. Additionally, XXXX has sent XXXX identity theft forms that require MN XXXX. I DO NOT LIVE IN MN. Therefore, i am unable to have the forms notarized. 

Finally, the XXXX letter indicates the vehicle was repossessed XX/XX/XXXX. It is now XX/XX/XXXX was the vehicle sold? why is the debt still reporting at XXXX. Is this the deficiency balance? How much was the original debt? Simply - This companys practices are fishy!!! I have escalated these request to the governing authorities XXXX, 3 Major Credit Bureaus, MN Dept of Commerce, and NCUA. Unfortunately, XXXX continues to validate the debt with each agency with out providing me the requested documentation.
Product: Credit reporting, credit repair services, or other personal consumer reports

As you can see from the enclosed credit report, it shows a late/missed payment of {$0.00} on XX/XX/2018. This is a mistake because I have been enrolled in Auto Pay since XX/XX/2018. 

I spoke to Citibank and after being and after being on hold for over an hour they asked me to call them back after 30 days.
Product: Money transfer, virtual currency, or money service

I am writing to express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately.They informed me that recovering lost funds impossible and that tracking these transactions was infeasible.The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeated offenders to exploit the system, leaving users 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

In accordance with the fair credit reporting act Convergent Account # XXXX, has vbiolated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

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

15USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Debt collection

On or around XX/XX/XXXX I received a call from Immediate Credit Recovery advising that they were initiating wage garnishment and recently mailed a letter to my home address ; I advised the agent that I was willing to make voluntary payments to avoid garnishment and ask the agent what address the letter was mailed to as the letter was not received. She confirmed the letter was mailed to my home address, when I ask if she could resend ( so I can understand the letter content and what options, if any are available to me ) she indicated that XXXX had fulfilled their obligation by mailing it and that they are not responsible for USPS. The agent proceeded to collect personal and financial information - after approx. 20 minutes on the call I had to leave, as I was at work. The agent indicated that her office hours were M-F, XXXXEDT ( which are the same as mine ). I request the agent provide her contact information ( XXXX ) and callback at XXXX to finish the call - I did not receive a callback, nor was I able to reach the agent when I attempted to return the call. I have since made multiple attempts between XXXX and XXXX and also leaving voicemails for the agent. If my recollection of my conversation in XX/XX/XXXX is that I have 30 days to take action - I am unable to take action without the letter and if my voicemails have not been returned. I am not disputing the debt however I find it frustrating that I continue to have issues with this agency - in a prior complaint the agent the agent erroneously advised that voluntary payments were not an option, since this complaint ( to my knowledge ) there have been no additional attempts to contact me by phone or in writing. I understand that my loan is defaulted, I am willing to pay however it seems unfair to impose deadlines when I am at the mercy of the agent answering the phone/responding or at the mercy of the USPS.
Product: Vehicle loan or lease

I had a $ XXXX car loan with Santander for 5 years which started in XX/XX/2017 and the principle balance only decreased $ XXXX. The company did not properly explain the high interest and fees along with loan deferrals and apparently did not apply my payments correctly if my principle did not decrease much with each payment that I made. This resulted in the car being repossessed because my payments were not making a dent in my loan. 

My credit history with Santander with all credit bureaus have inconsistent data across the board. How is that possible if the information should be coming from the same place? Every instance that I've attempted to correct issues have been met with my credit standing worsening and this is in violation of the Fair Credit Reporting Act. 

I attached the article on " XXXX XXXX XXXX Settles with Santander Consumer USA Inc. for Credit Reporting Violations in Connection with Its Auto Loans '' that outlines the predatory lending practices of Santander which have negatively impacted my credit and my family 's livelihood.
Product: Credit card or prepaid card

My furnaces became non functional and unsafe on  XXXX   XXXX    XXXX    XXXX  so out of desperation I accepted the first deal that I thought made sense. I have had trouble getting in contact with a customer service agent and even logging to make a payment. I was able to login today and make a payment and I plan to pay this off by the interest deferment deadline. However, right sizing the account has been a chore. And has lead to late fees and pre interest compounding. Can someone please contact me and consider the reversal of the late charges and finance charges that I have accumulated inadvertently? Please help me right sze this sinking ship.
Product: Credit reporting, credit repair services, or other personal consumer reports

These are private loans that XXXX credit services has Been trying to collect, they sent a promissory note with the wrong drivers license, not with my full name, and on the signature part my name is typed. These private student loans that this company is trying to collect on I fraudulent, they were deemed fraudulent by the department of education, they have been removed from my credit bureau XXXX XXXX, this company has failed to validate this debt. I need it removed, besides all the information is wrong, this loan is fraudulent, it is out of the statue of limitations.