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

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items. It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to investigate, corrected and deleted for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, IN XXXX XXXX XXXX XXXX, IN XXXX XXXX XXXX CT XXXX, IN XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$460.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$2900.00} XXXX XXXX XXXXXXXX Balance Owed : {$2400.00} XXXX XXXX XXXXXXXX Balance Owed : {$6500.00} XXXX XXXX XXXX Balance Owed : {$830.00} XXXX XXXXXXXX Balance Owed : {$900.00} XXXX XXXX Bankruptcy Reference # XXXX XXXX  XXXX Bankruptcy Reference # XXXXXXXX XXXX XXXX Inquiry Date XX/XX/year>
Product: Credit reporting or other personal consumer reports

There are numerous un-authorized inquiries on my credit report that I did not give consent to nor benefit from.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair credit Reporting Act, XXXX  Account # XXXXXXXX XXXX XXXX violated my rights 15 U.S.C. 1681 Section ( 602 ) states that I have the right to privacy 15 U.S.C. 1681 Section 604 ( A ) Section 2 a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello I'm reaching back out because I have again tried to use my credit and was not approved because of things on my credit that is not mine. I contacted the FTC and my local police. There are even several bankruptcies on there that are not mine. I we.s advised by the Bankruptcy Court  that do not verify bankruptcy and advised me to contact another company called XXXX XXXX. I spoke with them and they also verified that I do not have any bankruptcy. The other accounts on there that is not is Chapter XXXX and XXXX Bankruptcy, XXXX  XXXX and XXXX XXXX XXXX.
Product: Credit card or prepaid card

In XXXX, during the XXXX pandemic, I received my unemployment benefits card in which Bank of America was the bank used. I was receiving the monthly stipend to my card however BOA cancelled the card without informing me and I was unable to receive ANY of my funds.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's 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 was impossible and that tracking these transactions was unfeasible. The CFPB 's finding 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. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting or other personal consumer reports

XXXX XXXX code XXXX ( i ) - re inserted an item and never notified me within the timeframe. penalty {$1000.00} per item. 

XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

The XXXX  information appearing on my report is incorrect, as I have never filed for XXXX. kindly request that you investigate this matter as required under the Fair Credit Reporting Act ( FCRA ). Please verify the accuracy of this record with the source and provide the results of your investigation. If you find the information to be inaccurate or unverifiable, I request that you promptly remove this XXXX from my credit report and send me an updated copy of the report for my records.
Product: Debt collection

SUPERLATIVE RM is harassing me with letters, emails and phone calls about some Unknown account. They claim that they bought some unproven, unverified and untrue debt from another Company that I have no contract with. I have no contract with SUPERLATIVE RM. I have never heard of this Company, and they have no legal right to contact me about any unverified, unproven and untrue debt. SUPERLATIVE RM is in violation of 15 USC 1692. ( c ) ( a ) of the FTC fair debt collection practices. This Company needs to stop harassing me immediately.!
Product: Vehicle loan or lease

Ally Auto Financing has had a repossession agent by the name of XXXX XXXX, call people from my social media accounts. XXXX XXXX called me through XXXX to tell me, XXXX XXXX, and a few others. XXXX acted as if she was a family member looking for me and was concerned. Others have said she told them I owed a debt and it was in serious stages of collections. WOW! 
These people were not listed on my reference sheet nor are they friends close enough to me to know my private business. I know that they have been calling these people from my social media accounts since I made the last payment, which is behind due to the XXXX XXXX which caused a loss of wages. My significant other and I have been in contact with other agents from the same department, excessively. However, XXXX XXXX, a new agent obviously, says she could not get us on the phone. This is a misunderstanding. We talk to everyone from Ally. Why she was unsuccessful is beyond me. She has brought embarrassment to me and has violated my privacy act. The Fair Credit Reporting Acts under articles within the 600 codes prevent any debt collector from privacy violations that were not  approved by me with my original signature during the initiation period of the agreement.
Product: Mortgage

We are a attempting a short sale with Loancare. This process has been going on for over 8 months, the past 2 months I have been calling in about 2 times a week to get a status on the short sale approval letter. Every time I call in they tell me to call back next week and we will have a decision. The last 3 weeks I have been calling on every day and speaking to a manager, each manager I speak with says the file has been escalated and we will have a decision in 48 hours. 2 weeks ago the manager said I will receive the short sale approval letter the next week. XXXX the manager Im speaking with now wont give me his last name. XXXX just told me the file has net been reviewed for a short sale. Can someone help Loancare follow short sale guidelines
Product: Debt collection

XXXX XXXX never sent notification of a debt owed. The first communication received was from Biehl & Biehl, a debt collector. The amonut owed was outrageous and was fraudulent. There was a discounted rate on the original shipment that they did not honor when it was rebilled UPS freight was contacted and I was referred to the billing department who was supposed to correct this and forward me a bill in the correct amount. The case with Biehl & Biehl should have been closed by XXXX XXXX.
Product: Debt collection

I have so far received 3 phone calls at my work from " GC Services '' while the numbers have been different each time the latest number they called me on was " XXXX ''. Every number has been a XXXX XXXX area code. Every call has been asking to verify my name. I do NOT owe any money or have had any traffic violations. I have confirmed with the XXXX DMV that this is true as well as have received 0 letters in the mail regarding any past due payments so I know that I am okay. Please find a log of the inappropriate phone calls below : 1. A week ago, time not known, first call, Ladys Voice I answered my work phone, was asked if this was NAME, said yes, who is this. They said they were calling for " personal business matters and if i verified my social I could receive more info ''. I asked how they got this number and they said " from my HR rep '', I asked what was that name and they gave me a incorrect name. I told them that was not correct and asked again what this was regarding. They told me " Something to do with withheld admin wages and i need to verify who i am before they say more ''. I told them I would not verify anything and asked again how they got this number. They told me " my social was active in the area and if I gave them more info they could help ''. I told them no, they asked if my bday was XXXX XXXX, XXXX ( WAY WRONG ). I said do n't call here again and hung up. 

2. XXXX/XXXX/XXXX, XXXX XXXX, Second Call, Mens Voice I answered the phone and was immediately asked if " NAME '' was employed there. I said I was not allowed to disclose that information. I was asked again if NAME works there because they needed to reach them regarding a " personal payment matter ''. I said take this number off your call list and do n't call again. 

3. XXXX, XXXX XXXX, Third Call, Mans Voice I answered the phone and was again asked if NAME worked there. I asked the man what this was regarding and where he was calling from. He told me he needed information before he could disclose that and that is was regarding Credit Card payments. I said this is the wrong number and hung up but noted down the number and called back on a different phone number and found it was a company called " G.C. Services ''. 

I have now been called 3 times at my place of work. Every time has been for a " different reason '' but all with the same goal of getting information from me. This is embarrassing to have happen in front of my coworkers and boss when I have done nothing wrong. Please stop this harassment immediately.
Product: Debt collection

I would like to file a complaint against Capital Accounts and XXXX XXXX XXXX ( Dental Office ). I had XXXX at XXXX office from XXXX XXXX to XXXX XXXX. I paid all my outstanding balance before my final procedure. In the month of XXXX XXXX, I received a call from Capital Accounts that my account is outstanding in the amount of {$720.00} and XXXX XXXX is attempting to collect this payment. This was the first time I was informed of any outstanding due as I never received any communication from XXXX office - no statement or a phone call informing me of the same. I called XXXX office and found that my address was never updated in their system. I specifically remember I provided my new address to them prior to the start of the dental services in XXXX XXXX as I moved to my current address in XXXX XXXX. The office manager XXXX accepted their mistake and told me it is not the office policy to call patients regarding an outstanding payment. I told them to put my account on hold until I gather information from my dental insurance regarding the dues. However, my accout was reported to the credit bureas and my credit score significantly declined. XXXX XXXX 's office failed to communicate to me, failed to update the address and without making effort to contact me submitted my account to collections. My credit score has declined significantly due the failure on XXXX office to follow due procedure. I received threating calls from Capital Accounts every day even after informing them that I am working with the dental office to setlle this issue. I asked them to note that I am working with the dental office however, Capital Accounts informed me that they do not have any instructions from XXXX office. XXXX office on the other hand told me my account was put on hold when it was not done and was reported to the national credit agencies. My credit score has been hurt and my credit score has went down from Excellent to Fair in just 2 months.
Product: Credit reporting, credit repair services, or other personal consumer reports

There was inquires from Suntrust Auto Dealer on XX/XX/2017 on my credit that I never authorized. I do not know these people and have never been in contact with them. Tried reaching out but got no help
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX and XXXX credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law.It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and delete from erroneous reporting in my file are listed on my credit report : WELLS FARGO HM MORGAGE XXXX
Product: Checking or savings account

XXXX XXXX XXXX CD 's are impossible to close on maturity until the day it matures- not before. So my CD is maturing on XX/XX/2024, and I have to wait until that day, a Saturday, to close it either by going into a branch or calling. I am in the operating room that day as I am an anesthesiologist. All other banks allow calling withing a few weeks of the maturation date to set up a closure and disbersement. They are just creating another obstacle so the money stays in the CD for another term. They are perfectly capable of setting up disbursement, like other banks.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are supposed to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

Negligence of this law within the FCRA activates your company to be liable for damages sited in 15 USC 1681n and 15 USC 1681o. 

Please UPDATE to Paid as Agreed XXXX XXXX XXXX  from my credit report because of multiple violations of the Fair Credit Reporting Act!
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Credit Reporting Agency, I am writing to dispute the negative items on my credit report. Upon reviewing my credit report, I have noticed that there are several inaccurate and outdated items that require your immediate attention. 

Firstly, regarding the inquiries made by XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, I would like to inform you that inquiries have reached the statute of limitations and should be removed from my credit report. 

Secondly, with respect to the account number XXXX associated with XXXX XXXX, I demand that the late payment information be removed from this account. The same incorrect information is still being reported and nothing has been updated. You must remove these incorrect late payments from this account ASAP. 

Thirdly, for the account number XXXX associated with XXXX XXXX XXXX, I request that the incorrect late payment information be removed from this account as well. You can not report this account as updated when nothing has been changed! 

Fourthly, for the account number XXXX associated with XXXX XXXX XXXXXXXX XXXX XXXX request that you verify the payment status, balance, comments, payment history, and account number as they might be incorrect. Fix or delete this account from my report completely. 

Lastly, for the account numbers XXXX and XXXX associated with XXXX XXXX XXXX XXXXXXXX and XXXXXXXX XXXX respectively, I request that the same incorrect late payments be removed from these accounts as well. You can not report these accounts as updated when nothing has been changed! 

I would like to request that you investigate and correct these inaccuracies as soon as possible. Your cooperation in this matter is greatly appreciated. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

I had a cash rewards Visa credit card issued by U.S. Bancorp, which gave 2 % back on general daily spending. And I had accumulated about {$100.00} rewards dollars on this Visa credit card as of XX/XX/2019. While in XX/XX/2019, I received a letter from U.S. Bancorp stating my Visa credit card had been closed because of inactivity. I called U.S. Bancorp to see how they would deal with my {$100.00} rewards dollars. According to them, because of account closure, they would not be able to redeem rewards dollars for me. But the issue is, before they made the decision to close my dormant account, they never informed me in advance. Therefore I had no chance to redeem the rewards dollars before the closure. It is unfair to me as I didn't violate any terms & conditions of this Visa credit card and I didn't request to close this account. The action of U.S. Bancorp is fraudulent as it is not reasonable to decline my request to redeem my rewards dollars.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/2020 ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX/201 ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$75.00} ; XXXX XXXX XXXX XXXX XXXX XXXX {$800.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX XXXX XXXX {$780.00} ; XXXXXXXX XXXX XXXX Balance : {$110.00} ; XXXX XXXX XXXXXXXX Balance : {$340.00} ; XXXX XXXX XXXXXXXX Balance : {$8.00} ; XXXX XXXX XXXXXXXX Balance : {$130.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$20.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$11.00}.
Product: Mortgage

Atlantic Bay is continuing to have erroneous comments reappear on my credit report that Im disputing my account with credit reporting when I am in fact not. This is erroneous and Atlantic Bay needs to stop doing this.
Product: Credit card or prepaid card

I applied for a Lowe 's credit card and received instant credit with a {$1000.00} limit. After about 6 months after my account was already at {$380.00}, I was informed that they had reduced my credit limit to {$380.00}. Then after being around eight days after the due date of the XXXX, I got my bill and realized they didn't give a ten day grace period which is normal with all of my credit accounts. I then tried calling several times trying to talk to someone about changing the due date so it would correspond with when I get paid as I have been having it hard financially since my XXXX benefits were stopped unlawfully by XXXX. I was unable to reach a live person. Instead of adding interest for a late or missed payment, Lowe 's doubles the amount of the payment making it even harder on someone to maintain their account. They then closed my account a couple of months ago but keep adding the payment amount of {$40.00} each month, then doubling it, etc. This is a very unfair practice of a credit card company. When I called this morning to try to work this situation out, the man kept avoiding the issue at hand and kept claiming my account # wasn't correct even though I read it first off the card. He said I needed to read it off the statement, so when I got one he claimed it still wasn't correct. He kept avoiding the unfair practice of Lowe 's. I ended the call at that point.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted over 49 letters to the credit bureau and nothing has happened I feel humiliated and frustrated now the lender ( XXXX XXXX XXXXXXXX ) I would like have XXXX XXXX XXXXXXXX blocked and removed from my file i request the removal and so do I of the account immediately! I have attached proof this is me XXXX XXXX not a third party This is account. This should not be reporting on my account. I have no knowledge of this. Please remove immediately. 

I have attached drivers license, Social Security, card, and proof of address
Product: Credit reporting or other personal consumer reports

I requested that the inaccurate, unauthorized information be validated by providing to me the following ; 1.Copy of the original contract bearing my original signature that i signed for this debt.

2. Payment history from the original creditor clearly showing my payment with them 3.Name and address of the original creditor 4.Proof of ownership that they have been asign this debt. 

It has been since XXXX XXXX and the correct and accurate requested information has not been provided yet.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to file my taxes and I was told by my consultant that my identity has been stolen because someone had already filed under my social security. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknown, suspicious items I am familiar with. Please remove these items from my report. XXXX XXXX {$2800.00} XXXX XXXX {$8800.00} XXXX XXXX {$520.00} XXXX XXXX {$3800.00} XXXX XXXX {$19000.00} XXXX XXXX {$4000.00} XXXX XXXX $ XXXX XXXX {$4000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXXt Account # XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have a right to privacy. 

15 U.S.C 1681 Section604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.