23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts are fraudulent and should not be reporting on my credit report. Also, BY LAW I should have received a 1099 for the following accounts. These accounts are improperly reporting on my report. I believe my information may have been compromised. 

XXXX XXXX XXXX XXXX Account Ending XXXX XXXX  on XX/XX/XXXX XXXXXXXX XXXX Account Ending XXXX XXXXXXXX on XX/XX/XXXX XXXX Account Ending XXXX XXXXXXXX on XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Account Ending XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  Account Ending XXXX XXXXXXXX on XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Subject : Request for Immediate Correction of Inaccurate Late Payment Reporting Dear XXXX XXXX XXXX XXXX Department, I am writing to formally dispute the inaccurate reporting of late payments on my auto loan account. All payments have been made on time, yet my credit report reflects negative marks, which is both incorrect and damaging to my creditworthiness. 

Additionally, I received notice that your system experienced errors, which may have prevented my timely payments from being properly applied. Given this information, I request that you provide concrete proof of any alleged late payments and confirm that this discrepancy is not due to a system error on your part. 

I demand an immediate investigation into this matter and a correction of my payment history to reflect a current and accurate status. Please notify me promptly when this issue has been resolved. 

Thank you for your prompt attention to this matter. 
ALL OF MY 2024 payments were received on time!! Update this immediately
Product: Credit reporting or other personal consumer reports

Disputes made through Experian. Several issues were items reappear. Experian not doing proper investigations for disputed items. 

List of items : XXXX XXXX  {$1000.00} XXXX {$990.00} paid and closed Possible : {$300.00} XXXX XXXX {$3300.00} The retails merchant association. {$1300.00} These items have not been properly investigated and I haves asked the company to remove numerous of times
Product: Debt collection

My father was contacted my Radius Global Debt collection agency. My suffix is XXXX And his is XXXX. Once they verified his name ( only ), they said he owned an amount of {$52.00}. XXXX. He said he didnt owe anything. So they provided the name of the medical facility that provided services, the date, and asked if his address was my address by calling it out as well as my birthday. After hearing the information my dad offered to pay the amount owed and she would not take the payment. My privacy rights were violated.
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 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. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer 's safety.
Product: Credit card or prepaid card

Refer to previous complaint XXXX Once again today XX/XX/XXXX I am not able to access my account to make early payment. The same issue occurs : Go to sign in ... signs in.

Then displays message " We are having trouble reaching you, please provide email '' Enter email ( that I get correspondences for them OK now ) Error message : " That email address is not valid, please enter a valid email address '' Email has never changed, we seem to have this problem when trying to pay more than one payment a month. They are prohibiting me from paying off my card and lower interest charged.

Hit or miss on access, but I always have to enter email due to " unable to reach you '' stuff ( every sign on ). Sometimes it works.

Today the access is denied. I have a 27 min wait time currently ( on hold waiting ) to pay by phone. I have to return to work, unable to pay bill.

Please assist.
Product: Debt collection

Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested.

This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence, such as a trilateral contract, that I have any legal obligation to pay you. 
I will need this documentary evidence to insure that your office isnt using unlawful extortionate means, as defined by 18 U.S. Code 891, with forethought and malice to bring harm to me or my financial reputation by making any false claims of securities, causing a tax liability. This documentation showing my legal obligation to pay you would insure me that there isnt any unlawful theft by deception, bank fraud, and creation of false and deceptive forms is in the act of taking place to a federally protected consumer, beneficiary, debtor, and holder in due course pursuant to UCC 3-306.

If your offices can provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will file for suit. This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated. 
If your office fails to respond to this validation request within 30 days from the date of your receipt, all references to these accounts must be deleted and completely removed from my credit file, if applicable, and a copy of such deletion request shall be sent to me immediately.
Product: Credit reporting or other personal consumer reports

The items listed below are reported on my personal credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regard to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX Balance {$0.00} XX/XX/XXXX XXXX Balance {$0.00XX/XX/XXXXXXXX Balance {$0.00} XX/XX/XXXXXXXX Balance {$0.00} XX/XX/XXXXXXXX Balance {$1900.00XX/XX/XXXXXXXX Balance {$660.00} XX/XX/XXXXXXXX XXXX Balance {$750.00} XXXX XXXX XXXX Balance {$2600.00}XX/XX/XXXXXXXX Balance {$2600.00} XX/XX/XXXXXXXX Balance {$0.00} XX/XX/XXXXXXXX Balance {$1500.00} XXXX XX/XX/scrub>XX/XX/XXXXXX/XX/year>
Product: Mortgage

I have regularly paid additional money to my mortgage but the balance does not reflect this. I requested every transaction back in XX/XX/2020 but they never sent it. I called again today and spoke with agent XXXX # XXXX and he assured me that this time it will be sent. My loan service was sold by them to a new financial agency which is occurring very shortly ( end of 2020 ) and now I am concerned that this issue won't get resolved. In addition I am concerned about how they raised the price every single year, due to " escrow shortage. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Equifax In reviewing my credit report from Equifax, I found unauthorized addresses. I made numerous attempts to resolve this matter via Equifax automated service, however I had no success by phone. The following inquires are unauthorized. 1. XXXX XXXX XXXX XXXX GA XXXX 2. XXXX XXXX XXXX XXXX GA XXXX 3. XXXX XXXX XXXX XXXX GA XXXX 4. XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX 5. XXXX XXXX XXXX XXXX GA XXXX 6. XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of inaccurate or Unverifiable Information ( A ) In general. If, 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
Product: Checking or savings account

As a minor I had a Checking Account at USAA Bank which I continued to maintain after turning 18 years old. In XX/XX/XXXX, I closed my USAA account. Bank confirmed via email and SMS message that account was closed. 

On XX/XX/XXXX, my former employer, XXXX XXXX, sent my paycheck to my old USAA account. The paycheck was in the amount of {$250.00} As of this date USAA Bank has not sent the {$250.00} to me. On XX/XX/XXXX, I wrote to USAA, via certified mail, inquiring about my XXXX XXXX paycheck. There has been no response whatsoever from USAA.
Product: Checking or savings account

I usually receive my direct deposit on Wednesday. It has been XXXX  days and still do not have access to my direct deposit. I have been notified about Capital One having technical issues on XX/XX/XXXX the day after the fact. My employer has sent the direct deposit on Tuesday and I have the evidence to prove it. This also put me behind on bills due this situation.
Product: Debt collection

Hello, I spoke to the original debt collector about removing this inaccurate information they sent to Aldous & Associates. Aldous & Associates have not responded nor do they answer the phone pertaining to debts.
Product: Credit reporting or other personal consumer reports

XXXX  Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Experian regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX XXXX XXXX Account Number : XXXX Dates of Late Payments : XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XX/XX/XXXX Nature of Complaint : I submitted a dispute to Experian disputing a late payment reported by XXXX XXXX XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment Made on Time : I made the payment before the due date. The payment was processed late due to a clerical error on the part of the creditor, which is documented in the enclosed bank statements and payment confirmations.

System Error : There appears to have been a system delay with the creditor processing my payment, which should not have resulted in a late payment being reported.

Evidence Provided : I have attached payment confirmations and bank statements as evidence showing that the payment was made within the required time frame, and it was processed late due to an internal delay.

Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Experian has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report.

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being.

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act.

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX
Product: Debt collection

I am writing to dispute and demand the immediate removal of inaccurate information from my credit report. Despite my efforts, the banks have been unable to provide supporting records. In a recent conversation, they verbally committed to rectifying the inaccuracies and removing the accounts from my credit file. 
Account Details in Dispute : XXXX XXXX XXXX XXXX XXXX
Product: Credit card

Opened American Express XXXX card with XXXX branding around XX/XX/year>. Both the American Express and XXXX websites state that clients with more than {$250000.00} in qualifying accounts will receive a {$100.00} statement credit annually to offset the annual fee of the credit card. I have not received the {$100.00} card statement credit owed to me for having greater than {$250000.00} in qualifying holding accounts with XXXX. On XX/XX/year>, I contacted XXXX and they sent me to American Express. I then contacted American Express and they referred me back to XXXX. Neither party is taking ownership and keeps sending me back and forth to determine who is responsible for triggering the XXXX Appreciation Bonus on my XXXX card account with American Express.
Product: Checking or savings account

Initiated transfer with my primary brokerage account ( XXXX ), to transfer money in from the Robinhood brokerage account. There was no disclosure that fees valuing 10 % of the total account value would be extracted from my XXXX account, by Robinhood. No disclosure given, no opportunity to opt out and perform the transfer manually myself. Attempted to follow up with Robinhood " Customer Service '' to resolve issue. They only provide service by verbal interaction, nothing written and no paper trail at all ( the XXXX of any XXXX XXXX  ), and are only authorized to " speak '' in " English '' despite not knowing at all how to speak or understand basics of the English language at all. They repeatedly demand all sensitive identifying information ( PII ) and refuse to assist unless you pay the ransom. It's sabotage by Robinhood to make the entire process as painful as possible, to disincentivize support requests.
Product: Debt collection

On XX/XX/2024 on a recorded line XXXX XXXX called and spoke to me about a debt. When I told him he was calling my place of employment and to stop he became upset. I asked him multiple times to send me a copy of the bill as I had made payments to the original creditor and I wanted to make sure that was reflected. He then told me he already had a judgement for my husband 's medical debt ( which was a completely different bill and to which my husband had be paying on ) and told me he'd take my paycheck through garnishment. I asked is he was threatening me and he continued to do so. He refused to answer my questions and was very angry. He did file for garnishment on {$500.00} here at my place of employment for the debt my husband was paying on. 

The same day he called I sent a signed letter which I will attach asking him to validate the debt and to not contact me at work again. 

I've since been making regular payments through XXXX to the collection agency. Today on XX/XX/XXXX at XXXX XXXX XXXX called my place of employment, asked for me, gave his name, and then hung up before I could pick up the call. This was also on a recorded line.
Product: Money transfer, virtual currency, or money service

I have been locked out of my own paypal account and am unable to pay Bill 's and do my small businesses My email is XXXX XXXX XXXX
Product: Credit card or prepaid card

During XXXX of 2020 XXXX  delivered two unauthorized boxes to my home from Amazon. I did not order or request these two packages. They are still sitting in my garage unopened. I immediately called Amazon to inquire about these packages. All they told me was that they would investigate the case. They put charges totaling around {$250.00} on my amazon credit card. I called the Fraud Department at Amazon  back in XXXX of 2020 to report and dispute this scam. Amazon  removed these charges back in XXXX and XXXX to resolve the issue. They closed that specific credit and they wanted to send me a new card. I TOLD THEM TO NEVER SEND ME ANOTHER CARD FROM AMAZON. I DO NOT DO BUSINESS WITH CREDIT CARD COMPANIES WHO ENGAGE IN DECEPTIVE BUSINESS PRACTICES. During this same time period Chase credit card put an erroneous {$100.00} charge on my account for some unknown transaction. Keep in mind that I have had these cards for over 30 years and I have never experienced this kind of dishonest activity. Anyway, the Fraud department removed this fraudulent charge of {$100.00} from the Chase card. AGAIN, I TOLD THEM TO CLOSE BOTH ACOOUNTS AND TO NEVER SEND ME ANOTHER CREDIT CARD FROM AMAZON OR CHASE. I cut up and threw both cards in the trash as I was finished with them and this issue had been resolved. Here it is four months later, and Amazon/Chase has rebilled me for {$100.00}. When I called the Fraud Department about this, I spoke to a XXXXXXXX XXXX. All she did was talk over me and refuse to listen. She did not listen to me and she ended up hanging up on me. I have an excellent credit rating and I do not want to ruin my credit. The bill is due XX/XX/XXXX and I definitely do not plan to pay it as I do not owe them anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

I hope this letter finds you well. I am writing to formally request the removal of charged-off accounts from my consumer report maintained by your credit bureau . I believe that these accounts are no longer accurate or valid representations of my credit history and their presence is unfairly impacting my creditworthiness. 

I have recently reviewed my consumer report and identified several charged-off accounts that are being reported. I understand that charged-off accounts indicate a significant past delinquency, but I am requesting their removal based on the following grounds : Outdated Information : The charged-off accounts in question have surpassed the applicable time limits for reporting under the Fair Credit Reporting Act ( FCRA ). As such, their continued presence on my consumer report is in violation of the FCRA guidelines. 

Inaccurate Reporting : I have reason to believe that some of the charged-off accounts may contain inaccuracies, including incorrect balances or erroneous reporting of the delinquency. This misreporting negatively affects my creditworthiness and does not provide an accurate reflection of my credit history. 

I kindly request the following actions be taken : Investigation : Conduct a thorough investigation into the charged-off accounts in question to verify the accuracy and compliance of their reporting.

Verification : Provide verification of the charged-off accounts, including details such as the account balances, dates of delinquency, and any supporting documentation from the original creditors, if available. 

Removal : Remove the charged-off accounts from my consumer report if it is determined that they are inaccurate, outdated, or in violation of the FCRA guidelines XXXX 

Communication : Keep me informed throughout the investigation and resolution process, providing updates on the status of my request and any actions taken to address the charged-off accounts. 

I understand that the removal of charged-off accounts may impact my credit report and scores. However, I believe that the continued reporting of inaccurate or outdated information unfairly penalizes my creditworthiness. I trust that your credit bureau will handle this matter with the utmost care and in accordance with the applicable laws and regulations. 

I kindly request a written response within 5 business days to acknowledge the receipt of this letter and outline the steps taken to investigate and address the charged-off accounts. Please include any relevant findings or documentation supporting the actions taken. 

Thank you for your attention to this matter. I look forward to a prompt resolution that ensures the accuracy and integrity of my consumer report. Should you require any further information or documentation from me, please do not hesitate to contact me using the contact details provided above.
Product: Mortgage

At the beginning of the recession in XXXX, I was struggled to make my mortgage payment like everybody in this country. 
I called Wells Fargo and the Representative told me that nothing they can do if my mortgage payments were up to date. 
They could work doing a loan modification if my mortgage was in default. 
That is what I did. 
I stopped paying the mortgage for 3 months then my nightmare started. 
For multiple years I tried to work with Well Fargo to get a loan modification. 
My property was underwater the same as almost all the properties in this country. 
I tried at least 11 times the loan modification with proof and capacity to be approved.

One of the times I had been approved for a loan modification and exactly 3 days later they backed up and disapproved.

Also, I have been approved for a forbearance.

After I made the 3 months payment they want I kind of contribution that I was unable to compromise but no explanation for why I had to make that kind of contribution.

After some investigation on my loan, we discovered some inconstancies that I fight in NJ Courts but at the end of the day, my property had been foreclosure.
Product: Credit reporting or other personal consumer reports

I sent the letter to Experian for investigation I was looking over my report and I noticed these accounts listed below are not ensuring maximum possible accuracy according to the FCRA. Delete accounts listed below for violation of the fair credit reporting act. 
XXXX XXXX - This account is not showing maximum possible accuracy according to 15 USC 1681e ( b ) , the open date, date last active is not accurate. - Delete Account Immediately for violation of 15 USC 1681e ( b ) XXXX XXXX XXXX This account is not showing maximum possible accuracy according to 15 USC 1681e ( b ), the open date, date last active is not accurate. - Delete Account Immediately for violation of 15 USC 1681e ( b ) XXXX XXXX XXXX XXXX XXXX- This account is not showing maximum possible accuracy according to 15 USC 1681e ( b ), the open date, date last active is not accurate. - Delete Account Immediately for violation of 15 USC 1681e ( b ) XXXX XXXX XXXX XXXX XXXX- This account is not showing maximum possible accuracy according to 15 USC 1681e ( b ), the open date, date last active is not accurate. - Delete Account Immediately for violation of 15 USC 1681e ( b ) XXXX XXXX XXXX- This account is not showing maximum possible accuracy according to 15 USC 1681e ( b ), the open date, date last active is not accurate. - Delete Account Immediately for violation of 15 USC 1681e ( b )
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently accessed my credit report because Im in the market for a house and I see two fraudulent accounts on credit report. The following accounts are to be removed immediately ; XXXX XXXX XXXX and XXXX XXXX. Never had either of those accounts they are an act of fraud.