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

In XX/XX/XXXX, I received a response from XXXX XXXX XXXX XXXX 's credit dispute process refusing to correct the payment history reported to the Credit Bureaus showing that this account 's XXXX payment was made 30 days late. 

This account has been opened for more than 3 years with no late payment history since the inception of the loan. In XXXX ( approximate ), XXXX XXXX XXXX XXXX ( XXXX ) was acquired by another bank. Prior to this acquisition, the monthly payment was made by us to XXXX via wire transfer from our bank directly to the HELOC account. XXXX acquisition, a change in process occurred whereby XXXX would accept payment ONLY by a direct debit ( by XXXX ) from the checking account which was required by XXXX  to have in order to have obtained the HELOC. 

At issue is that this direct debit from XXXX occurs at midnight on the XXXX of the month and only on XXXX of the month at midnight. It does not appear that XXXX verifies the funds are available in the required checking account within the stated grace period and before reporting a late payment to the credit bureaus. 

Between XX/XX/XXXX and XX/XX/XXXX the full payment amount was wired into the XXXX checking account and available to the bank to withdraw for payment. Unbeknownst to me- nor should the burden be entirely mine to ensure XXXX pulls money available to them to cure the owed payment before reporting a damaging 30 day late payment to the credit bureaus. 

I provided to XXXX credit dispute department confirmation that the wire was sent and received by XXXX within the first five business days of the due month.

I believe the bank failed to act responsibly by : 1 ) verifying if the payment was available in the designated account before the end of the grace period ; 2 ) verifying the payment was available in the designated account before the end of the month or time period before reporting a missed payment to the credit bureaus. XXXX 's practice of limiting the timeframe by which they verify payment is made to midnight of the first business day of the month and does not appear to verify within a reasonable amount of time the payment is available creates a harming situation for a customer who is making their payment ; making their payment in the manner designated by the bank ; and made within the stipulated grace period and within the time frame allowable before a negative payment is reported to the bureaus. 

The XXXX actions are now creating secondary harm through increased interest rates and higher costs for purchases relying on our credit bureau score. 

I am requesting that XXXX correct the late payment report to the credit bureaus. I also encourage, as a matter of public policy, to review this practice by XXXX. 

Thank you.
Product: Checking or savings account

I opened a business account with Truist bank XXXX, 2023. I deposited {$100.00} and did not touch the funds until XX/XX/XXXX. I withdrew {$60.00} from ATM on XXXX and {$20.00} on XXXX for my business needs. There was a fee from the Atm and a fee from Truist totaling {$6.00}. This would have left an account balance of {$18.00}. The next day, XXXX I swiped the debit card in a store for the first time. I checked my balance each time before using card and it showed positive. Two weeks later I go to deposit funds and see that Truist charged me excessive overdraft fees. Five separate overdraft fees, totaling {$180.00} for two days of usage. When I called in to inquire, I was informed I had swiped my card before I went to the Atm, which I did not and have screen shots attached showing an overdraft fee added while account was positive, causing all the other fees. Even my last statement from XXXX shows a posted balance of {$45.00}. I was also told they do not have a way of turning off the option to overdraft. They waived one fee and explained their system only waives one fee every 24 months over the phone but referred me to the branch location. I went to the branch and got the same feedback. This is unacceptable banking.
Product: Money transfer, virtual currency, or money service

Some one hacked my identity from XXXX to XXXX, to other social media i already went to the police
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 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX BANK XXXX XXXX Open Date XX/XX/XXXX Balance : {$130.00}, XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$12000.00}, XXXX XXXXXXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$0.00}, and XXXX XXXX XXXXXXXX Open Date XX/XX/XXXX Balance : {$0.00}.
Product: Debt collection

I cancelled my service with   XXXX   2 months ago and paid my outstanding balance. The clerk on the phone verified everything was balanced. Now I 've recieved a collections letter from Convergent Outsourcing asking for {$160.00} on the behalf of  XXXX . I have never missed a payment for the 3 years I was with them. I never recieved a notice of any kind from   XXXX   that I owed them more money, so I did n't even get an opportunity to dispute or enquire about the charges before my account was sent to collection. Is n't that an illegal practice? So far I have sent a letter to Convergent in response to this matter. Apparently   XXXX   is doing this to many consumers, which unfairly affects people 's credit scores. I have done research, (   XXXX   BBB and CTW for  XXXX  complaints ), that verifies many complaints about   XXXX   billing and collection practices. For anyone dealing with  XXXX  or thinking about doing so, beware. I encourage anyone to  XXXX  complaints for this company as the in formation is very informative. How do they get away with this?!
Product: Mortgage

Ditech is trying to keep my XXXX in escrow after paying off my loan
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. 
So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 


This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 
I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts : XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Vystar Credit Unuin 's website and mobile banking have been down for over 2 weeks. Not having direct access without having to go to a branch has crippled my ability to manage my personal and business finances.
Product: Debt collection

PINNACLE CREDIT SERVICESXXXX XXXX XXXX, XXXX ( XXXX ) XXXX ( collection for XXXX XXXX XXXX ) Has been reporting a collection balance of $ XXXXThis account is included in a Chapter XXXX Bankruptcy and has been discharged. 
Pinnacle Credit continues to report the account as UNPAID
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to Equifax, XXXX and XXXX on XX/XX/2022, XX/XX/2022, XX/XX/2022 about inaccurate and unverifiable items on my credit report. It has been over 60 days and I have not received a response from anyone. I feel like my dispute letters are being ignored and that it does not matter and that I am being taken advantage of. In section 611 ( a ), it plainly says that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Since it has been over 60 days these items should be deleted immediately. I demand these accounts be deleted immediately or I will file for litigation due to the stress this is causing me.
Product: Consumer Loan

I applied for a CareCredit card to pay for XXXX. I picked up a pamphlet from my dentist 's office and applied online, with the understanding that it was a standard revolving loan. I was unaware there was a promotion wherein I would unknowingly be accruing interest to be tacked on at the end of the promotional period if the full balance of the loan was not paid off. I made payments on my loan and in XXXX 2016, I received a bill with $ XXXX dollars in accrued interest. Additionally, the accrued interest put my balance over my credit limit, which caused me to incur more fees. CareCredit has deceptive advertising and application processes and preys on people who are facing dental and/or health issues and need to find a way to pay for the procedures. I never received CareCredit 's required disclosures in the mail and was not provided adequate guidance regarding the loan 's terms during the application process.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts are not mine Ive been incarcerated since XXXX  I have recently been to release all the listed accounts and inquiries are fraudulent Heres a list of accounts : XXXX XXXX acct  XXXX, XXXX XXXX, XXXX acct XXXX, XXXX XXXX acct  XXXX, XXXX XXXX XXXX ( XXXX ) XXXX, XXXX acct XXXX,. inquiry XXXX XXXX,. All the above accounts and inquiry is and are fraudulent and according to The Court FCRA these accounts violated my rights in many ways these accounts is pass the statutory limit what the law required under statute 15 USC 1681 B, 15 USC 1681u 1681 Section 602 Alpha which states I have a right to privacy, 15 USC 1681 604 Alpha Section 2 Which states a consumer reporting agency can not furnish a account without my written instructions or consent, 15 USC 1666 Bravo which states A creditor may not treat a payment on a consumer credit card plan as a late payment for any reason the accounts must be removed These accounts is violating my rights and must be removed immediately thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not received any response from these accounts I submitted for disputes : XXXX  CARD Account # : XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX  Account # : XXXX
Product: Mortgage

I had a loan with Specialized Loan Servicing, never missed nor was late on any payment, my bank was on auto-pay when I paid the final payment I went online to check my status and my account was closed so I figured all good, when I looked at my bank statement I saw they only withdrew half of the final payment, so I called, I should say I finally got through to a person, I kept being put on hold sometimes I waited 30 minutes before hanging up, they told me I needed to call back the next day, when I did they told me I was supposed to call on my last payment for the correct amount. I purposely overpaid on the final payment just incase, and that more than covered the XXXX, I asked them if they were going to report this as a late payment, they said NO, and I never heard nor received any notifications, not even the usual monthly statement, can you please remedy this for me, thank you, PS. Ive never had a late payment for the life of this loan and the last payment after " Im guessing '' 10 years I decide to not pay??
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/2022 Federal Trade Commission Number : XXXX Re : Unauthorized Credit Inquiries To Whom It May Concern, I recently received a copy of my credit report. The credit report showed multiply credit inquiries by your company that I do not recall authorizing. I understand that you shouldnt be allowed to put an inquiry on my credit file unless I have authorized it. Please have this inquiry removed from my credit file immediately because it is making it very difficult for me to acquire credit. I have sent this letter certified mail because I need your prompt response to this issue. Please be so kind as to forward me documentation that youve had the unauthorized inquiry removed. If you find that I am remiss, and you do have my authorization to inquire into my credit report, then please send me proof of this. Otherwise, please note that I am reserving the right to take civil action if necessary. 

XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXXXXXX XXXX XXXX XXXX XXXX  XX/XX/2022 XXXX XX/XX/2022 Thank you, XXXX XXXX XXXX
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, myXX/XX/XXXX 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 safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  account # 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 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX  XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XXXX XX/XX/2021
Product: Credit card or prepaid card

XX/XX/XXXX, I went to PNC Bank branch to make a {$2000.00} withdraw from my checking account. 

XX/XX/XXXX, I went back to the same PNC Bank Branch to speak to XXXX XXXX after finding out from PNC Bank main headquarters that XXXX XXXX bank teller she was the one that opened a credit card application without my knowledge and without my permission. XXXX XXXX told me she did n't open an application, I told XXXX XXXX that the credit card application bares her name on it, she went into a frenzy and went on the computer and she stopped talking to me. 

I believe that I was single out because I 'm a senior citizen, my age and national origin. THIS MATTER IS N'T AN MISUNDERSTANDING IT WAS AN INTENSION AND DELIBERATE ACT TO COMMIT FRAUD FOR FINANCIAL GAINS.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus stated that my account was properly investigated XXXX XXXX XXXX XXXX Account number XXXX ). I dont understand how that could be true when I have found multiple inconsistencies. The balance updated date is inaccurate, the number of months is incorrect, the last pay date is inaccurate as well as the account type. All of these are inaccuracies and by law is grounds for removal, my rights under 15 USC 1681 Section 602 A. States I have the right to privacy.

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

The credit bureaus have been negligent and have taken over 30 days to complete my investigation. They have also been closing the investigation without a response.
Product: Credit reporting or other personal consumer reports

My XXXX XXXX account XXXX is reporting that in XX/XX/XXXX i was late which i never was. They removed the late payment then put the late payment back on my credit report which is a violation of my rights. Also XX/XX/XXXX & XX/XX/XXXX i was on time and they are reporting it as late. They are not providing proof as far as who confirmed this was late? What is the name of the person that reported this incorrectly? THIS IS PAID PLEASE UPDATE THIS ACCOUNT TO POSITIVE AND MAKE ALL information reporting is accurate as required by FCRA 623 ( a ) ( 2 } ( B ). We keep going thru this over and over and it makes no sense. I dont understand how you delete a payment then months later add it back on to your report after you deleted it? That is a violation of my rights. You guys are suppose to not let this happen at all
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 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 information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per XXXX and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 

XXXX XXXX XXXX XXXX Balance {$7700.00} XXXX XXXX XXXX Balance : {$4600.00} XXXX XXXX XXXX  XXXX Balance : {$250.00}
Product: Student loan

On multiple occasions, I asked MOHELA customer service representatives if shifting payments of a lump sum payment would change the effectiveness date or if I should request a refund. I was told shifting the effectiveness date of the lump sum payment was fine. Now MOHELA is saying : " While your payment of {$8000.00} made effective XX/XX/XXXX, was reapplied to fully satisfy bills that would have been due through XX/XX/XXXX, your full payment retains its original effective date. Our records indicate that no payments were made to your account following your effective date of forgiveness. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of XXXX. As soon as the pandemic started in late 2019, I was XXXX  and was unable to work. I have a total of 2 missed payments from XXXX and XXXX of 2019. I have sent multiple goodwill letters asking for forgiveness as I am a victim who suffered from this pandemic. The company nor the credit bureaus have taken any action. I have made consistent on-time payments before and after the late payments occurred. I would like them to be removed because I am a victim of Covid-19.
Product: Debt collection

To whom it XXXX concern, On XX/XX/2023 XXXX XXXX XXXX contacted my family member and shared my legally protected information with them. Here is their company information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX United States ( XXXX ) XXXX A representative of their company called my XXXX XXXX XXXX on his cell phone at ( XXXX ) XXXX and asked for me. He confirmed they had the wrong number and his identity, they then proceeded to share with him that I owed a dept to them which is protected information under Federal law. 

I have provided XXXX XXXX XXXX with a cease and desist request asking that they do not contact my family or friends or anyone else by phone. 

I also wish to bring awareness to the appropriate government agency that they are not in compliance with applicable laws regarding the sharing of personal information related to any alleged debt with anyone other than myself. 

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

( XXXX ) XXXX ( XXXX ) XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX {$4800.00} XXXX XXXX XXXX XXXX {$810.00} XXXX XXXX XXXX {$13000.00} XXXX XXXX XXXX  XXXX XXXX {$10000.00} FRAUDULENT APPLICATIONS SUBMITTED IN MY NAME AND MY IDENTITY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY OR EVENING XXXX. Remove inaccurate, incomplete, unverifiable, unauthorized, or fraudulent negative items from my credit report.
Product: Debt collection

According to the f.c.r.a these unauthorized & unverified items must be removed .15usc 1681b & 18 u.s. code 1028A
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report.

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX