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

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

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 reasonable cause to believe that the information is inaccurate.
Product: Student loan

Have been trying to call NelNet for weeks since my loan was transferred to them. I can not sign into my account online, recovering my username does not work, signing in with my social security number does not work, they keep telling me that my zip code is wrong. It's not. I think I know where I live. So if it's wrong in their system, then my personal information is incorrect with my lender which is insane. I have tried to call dozens of times and the hold times are always over an hour with no option to select a call back. This is sickening and unacceptable.
Product: Mortgage

My name is XXXX XXXX. I am the son of XXXX XXXX who was the owner of a property located at XXXX XXXX XXXXXXXX XXXX XXXX MO XXXX. My mother passed away in XXXX of XXXX and left her estate in a living trust. She executed a Beneficiary Deed to transfer the subject property in to her trust upon her death. I am the Successor Trustee of her Living Trust. I had her power of attorney when she was living, but upon her death, the POA was void and I am no longer considered an authorized third party on her mortgage loan with Select Portfolio Servicing. ( Loan # XXXX ). 
The company is speaking with me about the property, but since XXXX of this year, they have not accepted the Living Trust and Transfer deed documentation that should allow me as the Successor Trustee, to become the authorized party ( Successor-in-Interest ) of my mother 's home. 
I suffered an injury and was off work for almost two years. I was able to keep up with my mother 's house payment until XXXX of this year when I fell behind. I went to the state of Missouri Homeowner Assistance Fund to request assistance since my mother 's passing was XXXX related. They have told me they will assist me to reinstate the loan but the mortgage statement must be in my name. The lender keeps asking me for trust documents that do not exist. My mother 's estate attorney set up her trust in order to avoid a probate. I have consulted with three other attorneys, all of whom have assured me that the documents we have provided the lender are in order. They do not understand why the lender will not accept the documents. 
In the meantime. the lender has filed a Notice of Default to foreclose on the home and as time goes on without any contact or assistance from SPS, my family home is now in grave jeopardy of being foreclosed upon.
Product: Credit card

in XX/XX/XXXX I ordered my credit reports from the XXXX bureaus. from these reports I learned that there was an account in collections against me from HSBC bank. I contacted HSBC bank on the number listed on my credit report and was informed that this was a credit card debt. they explained to me that the credit card was opened in or around XX/XX/XXXX. at that time I explained to HSBC that I never had an account with them nor did I ever open a credit card from HSBC bank. They informed me that they would send my information and I would be contacted by their fraud department. after a period of time this did not happen I contacted HSBC again and was once again told that the fraud department would contact me. on XX/XX/XXXX I looked up the fraud department number and call them directly. I explained to a representative name XXXX my situation how I have never opened an HSBC Bank credit card and this was the result of identity theft. I explained to him that I had placed a fraud alert on all XXXX of my credit bureau reports.I explained to XXXX that I wanted this negative information removed from my credit report immediately that it was in fact a fraudulent account. XXXX explain to me that he could do nothing about it unless I filed a police report or contacted the Consumer Financial Protection Bureau. I contacted my local sheriff 's office about filing a police report however the local sheriff 's office said because of the age of the account it would not be worth investigating as most likely they could do nothing about it so a police report was not deemed necessary by them. I was informed by the sheriff 's office that it was not my right to have a report taken by them and that it was up to them to deem it necessary. I am now writing the Consumer Financial Protection Bureau to remove this fraudulent account from my credit report that was placed there by HSBC bank
Product: Mortgage

I bought my first home in 2005 with no money down. At the time I was unfamiliar with the process, but the lenders explained that I would just carry two mortgages. One would be the primary mortgage for the purchase of the home and that would be a traditional 30 Year mortgage and the 2nd would be a 15 year mortgage for the down payment of the home. At the time I thought it was a really good deal. Both mortgages were with XXXX XXXX XXXX. Shortly after I closed the 2nd Mortgage was sold to HFBC who then became HFC Beneficial which is whothe 2nd mortgage is currently with. After I was notified of the sale of the 2nd mortgage I started going over the Amoritzation of the loan and realized that the 2nd loan is actually a Balloon payment. At the end of the 15 years my final payment is the same amount as the original Loan amount.
Product: Credit reporting or other personal consumer reports

I have sent multiple letters by certified mail asking for the alleged debt validation and the method on how they continues to validate this fraudulent and questionable items on my credit report. And have not received anything with validation of these clearly inaccurate and fraudulent accounts. This credit bureau is disregarding the law and taken advantage of me as a consumer and this has effected my life tremendously. The most recent certified letter was sent on XX/XX/2023 and they received it on XX/XX/2023. However the company update the reinvestigation status as verified. I have attached a copy of the XXXX XXXX XXXX  verifying that they have no sign contract with I. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

XXXX  Account # XXXX XXXX XXXX has violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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 reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

My information was sold and bought illegally because I was a victim of the XXXX data breach. I want these items Deleted from my credit reports effective immediately. lam attaching proof that XXXX has admitted that'l was in fact a victim of this data breach and XXXX has done nothing.Please help me delete these illegal accounts from my credit reports.
Product: Checking or savings account

Bank of America continues, to harass me & deny me any account w/ them. They said they banned me from any anything to do with them. Ive tried to solve this matter like 6 times. And they tell me nothing on why they banned me. Id really appreciate a investigation into this thank u. XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

For multiple months at a time, I have disputed, submitted, faxed, mailed letters, police reports and court documents to Equifax in order to remove unauthorized accounts and inaccurate information. I have also placed a fraud and freeze alert on my account. Many times of which the dispute results returned within a couple of hours with zero changes or updates. This has been a very tedious process without any help. I feel violated, very compromised and devalued as a consumer. These companies are suppose to be in place to help the consumers, not hinder. I would greatly appreciate any help received to resolve this situation. 

Inquiries : police report provided to Equifax XXXX XXXX XXXX XXXX XXXX, 2020 XXXX XXXX XXXX XXXX, 2020 XXXX XXXX XXXX XXXX  XXXX XXXX 2020 XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 2020 XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX, 2020 XXXX XXXX XXXX XXXX  2020 XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX, 2020 XXXX XXXX XXXX XXXX XXXX 2020 XXXX XXXX XXXX XXXX  XXXX XXXX, 2020 Accounts : XXXX XXXX XXXXcourt documents provided to Equifax XXXX XXXXXXXX XXXX XXXXXXXX XXXX
Product: Money transfer, virtual currency, or money service

I am filing complaint against cash app ( block , inc ) due to adequate customer service and unfair practices, which violates the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and regulations E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit card or prepaid card

This happened a couple years ago during the COVID times, I had unemployment and so I had bank of America prepaid account, on probably about a dozen times my card and account would get locked up which always seemed to happen at the worse possible times it would not allow me to make online purchases and we were limited to 3 ATM withdrawals in a 24 hour period. I can't remember how many times I was charged fees that I would just pay because we were getting good money when it first started. I don't know how to go about getting any of those statements and letters from them. I would never deal with bank of America again because of this experience.
Product: Mortgage

ocwen is attempting to foreclosure on my home with an assignment that clearly fraudulent. the assignment was created showing ocwen as the lender. the company that i originated the loan with is out of business and XXXX conveyed. i dispute the validity of this debt with ocwen. i sent a qwr and they have not responded to. the assignment to gmac is also fraudulent. XXXX XXXX, Va XXXX are well known robo signers both are the assignments filed in XXXX CO are fraudulent.
Product: Credit reporting or other personal consumer reports

In accordance with the fair Credit Report act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX ), has Violated my rights. 

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

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

Between XX/XX/XXXX and XX/XX/XXXX, XXXX XXXX XXXX placed a collections account on my credit report for all three credit bureaus in the amount of {$330.00} account ending in XXXX. I immediately contacted XXXX XXXX XXXX to obtain additional information on this debt because I was not notified by them prior to it being added to my credit reports. They informed me that it was a debt they collected from capital one bank and that I needed to pay it. I informed the representative that I was going to dispute the debt because I have no knowledge of a capital one account from XX/XX/XXXX and it was incorrect. I also asked why I wasn't notified by them prior to action being taken by their company, so I could address it prior to it hurting my score. I am currently in the process of finalizing my mortgage loan and this inaccurate account detrimentally affected my ability to obtain credit. She stated that they were not obligated to notify me of the debt because the original creditor already did in the past. XXXX XXXX XXXX has not provided me with any written notice of my debt or written notice of my ability to dispute the debt since my phone call which is in violation of several debt reporting laws. According to the law they have 5 days to provide me with a written notice stating this information. I want this account removed immediately due to their illegal debt collection practices.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX, Texas, XXXX XX/XX/year>2025 Equifax XXXX XXXX XXXX XXXX, GA XXXX Subject : Request for Investigation and Account Deletion Under the FCRA Dear Sir or Madam, I am writing to you regarding the account [ XXXX ] reported in my credit history. Following a dispute with XXXX, this account has been removed from their report because the information was found to be inaccurate or unverifiable. Attached to this letter is the confirmation of deletion provided by the other credit bureau, further demonstrating that the data provided by the information furnisher does not meet the accuracy standards required under the Fair Credit Reporting Act ( FCRA ). 

During their investigation process, the other credit bureau reviewed the details of the debt and determined that the information could not be verified as accurate. As a result, they removed the account from their records. I expect the same level of diligence and adherence to the FCRA 's requirements in your investigation. 

Pursuant to 15 U.S.C. 1681e ( b ), you are required to maintain reasonable procedures to ensure maximum possible accuracy in the information contained in my report. Since this information has already been removed by another credit bureau, I request that you review this account and remove it from my report to reflect the same level of accuracy.

Furthermore, under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), I demand that you conduct a reasonable and thorough investigation of this dispute. The removal of this account by another credit bureau strongly suggests that this information can not be verified. Additionally, under 15 U.S.C. 1681s-2 ( b ), the information furnisher is obligated to correct or remove inaccurate data across all credit bureaus with which they operate. I request that you contact the information furnisher to confirm that this information should be removed from your files.

Finally, please note that failure to comply with your obligations under the FCRA may result in civil liability under 15 U.S.C. 1681n and 1681o. I look forward to a prompt resolution of this matter and request confirmation of your receipt of this dispute, as well as the removal of this account, within the 30-day timeframe required by law. 

Sincerely, XXXX XXXX XXXX
Product: Credit card

Late fees have been added to my account for the last XXXX ( XXXX ) months ; one shows credit given than added back into the account summary. I called the company trying to point it out questioning the accounting and they flimflammed me. So I terminated the call. 
The second late fee charge is related to the first too. Enclosed are documents showing the dates when my check was written with ample time to be received in both cases. It doesn't take 5-7 days to mail a XXXX class letter to Illinois. 
Thank you
Product: Credit reporting or other personal consumer reports

To : Consumer Financial Protection Bureau Subject : Request to Address Erroneous Credit Reporting and Non-Compliance with Tax Regulations Dear CFPB, I am writing to formally dispute and request investigation into the reporting of balances on my credit report for the following accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts have been written off by the creditors as profit and loss deductions for tax purposes, yet they continue to reflect balances on my credit report. To my knowledge, creditors are required to issue a Form XXXX ( Cancellation of Debt ) to debtors for any written-off debts exceeding {$600.00}, as specified under the Internal Revenue Code ( IRC ) XXXX. I have not received these forms. 

Case Law Supporting My Claim : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX. XXXX ) : This case emphasized that inaccurate reporting or attempts to collect on debts that have been XXXX or written off can violate the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

XXXX v. XXXX XXXX, XXXX, XXXX. XXXX ( XXXX Cir. XXXX ) : The court ruled that continuing to report balances on written-off debts as " due '' or collectible could constitute deceptive practices under federal law. 

IRS XXXX Ruling XXXX : Clarifies that issuing a Form XXXX signifies a discharge of debt. Once a creditor writes off a debt and claims a tax deduction, the debt is effectively canceled for accounting purposes and can not remain reported as due. 


Thank you for your attention to this important matter. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

capital one recently reported my account as 90 days late to XXXX, XXXX, and XXXX. The account has been closed for more than 2 years, and was included in my bankruptcy.
Product: Credit reporting or other personal consumer reports

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XX/XX/2023
Product: Credit card or prepaid card

I have/ had a Gap credit with Synchrony Bank I paid off the balance on XXXX. 
See attached cashed check. 
Synchrony Bank at the end of XX/XX/ XXXX transferred all their Gap  credit accounts to XXXX. 
My payment was never posted to either account. 
Synchrony says it not their account anymore and to deal with it thru XXXX. 
I have made multiple calls to both Synchrony and XXXX. 
I have sent copies of the canceled check to XXXX twice along with account info. 
Neither company will fix this problem. 
I have XXXX that went to pay off this account and never got posted. 
If you look at the front of the check the account # is hand written twice. 
My handwriting with my name next to it and above that someone elses writing and the last 4 digits of the account # are wrong. 
At this point my XXXX has never been posted to my account. 
XXXX has my account 3 months past due and are charging me 28 % interest. 
I wont pay it because they actually owe me money. 
It had lowered my credit score ( which was XXXX ) I do I fix this??? 
XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

Received a phone call today from rise never opened a rise account they were calling to collect payment I informed them that it wasnt my account that I would be falling filing a fraud with a police report they would not give me account number or an address that they had listed for me but yet they wanted money for me
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, I am writing to request information about the account XXXX XXXX, on my credit reports XXXX, XXXX, TRANSUNION. As per Section 609 of the Fair Credit Reporting Act, I am entitled to see any sources or documents you have on record regarding this account, including the original contract with my signature and the credit application.
Product: Payday loan, title loan, or personal loan

I opened up an account on XX/XX/2018 and it is only one account an they have have it listed as two synchrony bank accounts, I have attached a copy of my credit report and XXXX  is showing this, I want this corrected thank you.
Product: Money transfer, virtual currency, or money service

On XX/XX/year>, I sold XXXX watches from XXXX XXXX ( face to face transaction ) to XXXX XXXX. Transaction done using XXXX XXXX. 
After 2 days, XXXX contacted me saying that XXXX watches were fake ( at the same time he inspected this items himself ). XXXX item was in the original box and fully authenticated ( purchased from the store several years ago ), the second one purchased through XXXX and went through full authentication process as well. 
XXXX told me that he is re-seller and looks like after the purchase, he decided to pull back so, I told him to provide me documentation for each manufacturer of the watches ( XXXX and XXXX ). I never got that documentation. 
XXXX month later we got notified by XXXX  that the buyer opened a case and locked all money from this transaction by his credit card. We contacted XXXX and send them All proofs on items authenticity, receipts, communication, everything The buyer ended up getting all his money back plus all my items. 
XXXX  now trying to put us through collection agency ( there is around {$900.00} for this transaction ). 
We complained several times and tried to escalate it to XXXX but got no luck. The buyer got our watches and money back and we need to pay back!!? 
WE need your help please. 

Please see last communication from XXXX : XXXX regarding request # XXXX Outcome : XXXX, We sincerely apologize for the inconvenience caused. 

As you know, we received chargeback XXXX & XXXX. We disputed this chargeback on your behalf, but the credit card company, not XXXX, decided the final outcome. 

Unfortunately, XXXX did not win the dispute of the chargeback with your senders credit card company, and we are unable to dispute this further on your behalf. 

We're sorry you experienced a problem with this transaction, and we encourage you to contact the sender directly to reach an amicable resolution. For the Terms and Conditions of XXXX XXXXXXXX XXXX, click Terms at the bottom of any XXXX webpage. 

Thank you, XXXX XXXX
Product: Credit card or prepaid card

I have contacted Bank of America at least a dozen times I have filed a report with FTC I have filed a police report I can not resolve and it started in XX/XX/XXXX and is still on going and I'm frustrated The identity theft started in XX/XX/XXXX and it's up to over XXXX I notified bank of America when it started and I forwarded all the fraudulent e mail notices back to the abuse e mails ( e mail you can forward but no response or reply ) - I have mailed at least 5 times all the supporting documentation all the e mail etc all the proof charges are fraud and its over 250 pages and i don't even get a common courtesy of a response - In XX/XX/XXXX my account balance was XXXX so I thought the fraud was finally reversed but to no avail because the next month XX/XX/XXXX the balance was again over XXXX. Also a checking account was fraudulently opened in my name and was overdrawn and then boa charged the credit card an additional XXXX dollars My account is locked and there are auto payments from XXXX of XXXX a month then auto payment changed to XXXX a month in XXXX of XXXX and i can't even stop the autopay on an account that is suppose to be XXXX ...