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

I am writing in reference to my recent dispute regarding the inaccuracies in my credit report. Despite my previous request, I have not been provided with the specific name, address, and contact information of the data furnisher involved in the disputed item.

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to this information to ensure that I can address and resolve the inaccuracies in my credit report effectively. It is insufficient and non-compliant to merely direct me to contact the lender without providing the exact details of the data furnisher you consulted during your investigation.

Please provide the following information promptly : 1. The name, address, and phone number of the data furnisher ( s ) you contacted to verify the disputed information.

2. Detailed documentation and evidence of the investigation process, including the specific steps taken to verify the accuracy of the disputed item.

It is imperative that Experian complies with this request to facilitate a transparent and fair resolution of the dispute. Failure to provide this information may result in further action, including but not limited to filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal advice under the provisions of the FCRA.
Product: Credit reporting or other personal consumer reports

Credit Reports for collection of delinquent child support, judgments, fines and liens may no longer be permitted Federal courts recently have issued rulings about the use of consumer reports for the collection of an account under the Fair Credit Reporting Act ( FCRA ). 1 These cases note that certain definitions were added to the FCRA as part of the 2003 amendments ( FACT Act ). In particular, the word credit was defined. As a result of the new definition the position that is being advocated is that a collection of an account is a permissible purpose to obtain a consumer report only when the collection is in connection with a credit transaction.

The courts have specifically rejected prior case law and FTC guidance that a judgment creditor had permissible purpose, noting that those decisions pre-dated the FACT Act. These cases have held that a delinquent child support obligation, municipal fines arising from parking tickets, and a statutory debt resulting from the towing and impound of an illegally parked vehicle did not arise from a credit transaction. As a result, the courts found that collection of those accounts was not a valid permissible purpose to obtain a consumer report. 
If you use XXXX consumer report services in connection with the collection of an account, we advise you to promptly review the new case law with your regular attorney or compliance advisor. 
XXXX will be contacting each customer that is a third-party collector to discuss this issue. We expect to confirm with you that you are in compliance with this new interpretation. Until then, unless you advise otherwise, we are relying upon you to comply with your contract with XXXX and this new interpretation of the law. This means that you may obtain XXXX reports for collection purposes only when collecting on an obligation arising from a credit transaction, or where you have the written authorization of the consumer or a court order to obtain a consumer report. 
As an example, for collectors of delinquent child support debt, judgments, fines, or liens, you must have in hand : A court order authorizing a consumer reporting agency to provide a consumer report, A written authorization from the debtor to obtain a consumer report, or Some type of contractual agreement with the consumer that rises to the level of a credit transaction under law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX, Case XXXX, XX/XX/XXXX ( XXXX Illinois ) ; XXXX XXXXXXXX XXXX. XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ( XXXX Illinois ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XX/XX/XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX.
Product: Debt collection

The debt listed on my credit report is with the XXXX XXXX XXXX. I paid my last month and cancelled my policy going to a new insurer. This is completely and totally wrong, I dont owe this debt. My balance at closure was {$0.00}. They're saying I owe {$140.00} and I don't. I mailed a request for information on this account and I have not received anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, 2019 I paid {$1.00} for a free 7 day trial to receive -- All in 3 Credit Bureau Reporting from Experian, and after 7 days they would charge me approx. $ 28 monthly for the service. However, once I subscribed Experian said that they didn't have a FICO score for me nor did either of the other 2 credit bureaus. Yet, XXXX XXXX and XXXX XXXX XXXX product shows FICO scores. Experian is false advertising in order to get you to sign up for their trial and then keep you waiting to access your scores. 

Upon trying to cancel the subscription I couldn't find support or FAQs anywhere to do so. This is blatant deception on their part.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged XXXX  or XXXX. 
XXXX, XXXX, A ; XXXX A XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$3500.00} ; XXXX ( Original Creditor : XXXX XXXXXXXX XXXX ) XXXX Balance XXXX {$220.00}
Product: Debt collection

I had a {$36.00} balance in collections with EOS CCA from a XXXX XXXX XXXX account. First, I did not start receiving bills until XX/XX/XXXX when I lived in Texas and after several communications with EOS, it turned out that this was from an old Ohio address from XX/XX/XXXX. And at that point, I had spoken to XXXX XXXX in Texas and it was confirmed that we had a {$0.00} balance so I had thought this was taken care of. We were never notified that this was from Ohio. I then tried to dispute the {$36.00} with the credit bureau which was then unresolved. When working with a mortgage lender, I found that this account is impacting my credit score by more than 20 points. Finally on XX/XX/XXXX I called EOS and paid the {$36.00}. I now currently have a $ XXXX/closed account with EOS and XXXX XXXX. When speaking with EOS, I asked them that since the account was closed and paid in full and it is impacting my credit score so significantly, if they would delete the account from my credit report. They refused. I spoke with managers and associates more than 4 times in the past 3 weeks trying to resolve this because it is such a small account and there was so much confusion. I was never notified of the important details of this account from EOS, thus I do not feel that it should reflect on my credit report. If the {$36.00} was valid, I could have paid it years ago. I then spoke with XXXX XXXX directly on XX/XX/XXXX via Chat and via phone. This was the date that XXXX XXXX informed me the account was from XX/XX/XXXX. On this day, a woman from XXXX XXXX submitted a ticket to EOS asking them personally to remove the account from credit because she agreed that for this little balance, it needed to be removed all together. Then on XX/XX/XXXX, I called to check in on the ticket and was told by a gentleman that the ticket just asked for a {$0.00} balance when she has specifically agreed to submit a " Deletion '' request. So this gentleman then submitted a " Deletion '' request. He apologized as well, also agreed this was ridiculous and said he would do everything he could to help with EOS. After submitting THIS ticket ( I have this ticket number he provided to me ), I called EOS back. I asked EOS to review the XXXX XXXX ticket to get this deleted and they refused to even look at it and said " we do not delete and your account is closed ''. Bottom line, I am trying to get housing for my family and this {$36.00}, although paid in full, has been an ongoing issue that I really need help with getting resolved. Thank you for your time and assistance.
Product: Debt collection

It has been 30 days since this dispute was created and the company has not sent me any verification or validation of this debt. 
XXXX
Product: Debt collection

I have reviewed my credit report and see that the account that is being reported I did not open or do any business with this company. I do not owe this alleged debt. See attachment for complete details.
Product: Payday loan

THis is a third party contacting me, my family members etc. I have not had any payday loans in 6-7 years. They claim they are going to take me to court, etc. They scare my elderly parents. When I have called them back asking for a full detail in writing, they never follow through. This has got to stop. I have a job to do and can not do it when my family members call me upset all day.
Product: Debt collection

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX XXXXXXXX XXXX  Account Number : XXXX XXXX Account Number : XXXX XXXX  XXXX Account Number : XXXX
Product: Bank account or service

My complaint is the same as a previous complaint # XXXX. Bank of America indicated that they had made a notation on my account that I would be issued XXXX debit cards whenever I needed a replacement. When I called on or around XXXX/XXXX/16, I was told that I could only have XXXX card and that there was no notation on my account to provide me with an additional card. I am a XXXX vet and this is very XXXX to have to deal with this issue again. This type of aggravation seriously causes me XXXX.
Product: Credit card

Capital One XXXX charged me interest on my previous balance before the due date of my statement. My XXXX XXXX, 2016 statement balance was {$590.00} with a due date of XXXX XXXX, 2016. I paid the balance in full on XXXX XXXX, 2016 : 12 days before the due date. However, my statement dated XXXX XXXX, 2016 states that Capital One charged me interest in the amount of {$5.00}. This is the second time that Capital One has charged me interest when I paid the balance in full.
Product: Checking or savings account

On XX/XX/XXXX, I noticed a transaction on my bank account that I did not make. I called the bank ( TD Bank ) to dispute the charges and they opened an investigation. On XX/XX/XXXX, I received a letter from the bank stating that the " The transaction 'appeared ' to be authorized because you ( meaning me ) verified the transaction. No one from either the bank or the merchant ( XXXX XXXX ) contacted me regarding this matter, so how could I have verified it. I was informed they were going to reverse the provisional refund and charge additional fees. I then reached out to XXXX to find out what information they had that I had verified this transaction. I was informed I would have to reach out to their corporate office, however they could not provide me with a telephone number or email address. I then asked if they could provide me with whatever information they had regarding the matter and they emailed a copy of the itinerary and confirmation number for a flight from XXXX, XXXX  to XXXX, XXXX  for me and someone I do not know ( XXXX XXXX ). I relocated from XXXX to XXXX  in XXXX of XXXX and have not taken any flights or made reservations for any flights since that time. I have not left the State of XXXX. The information used to book this flight had my name and other information, but the wrong address. I tried to explain that to my bank and they only said they would file another investigation, but would still reverse the refund which has caused an overdraft in my account and I'm being charged overdraft fees of {$35.00} for every transaction. Even though I informed my bank in XXXX when I relocated of my new address, they didn't check to see that the information used to book this flight was incorrect. NO ONE CONTACTED ME ABOUT ANYTHING. I am so frustrated. I can not pay my bills because my account is now overdrawn. I reached out to indentitytheft.gov and filed a complaint. The reference number is XXXX. I have done all the due diligence I can at this point without the benefit of any information from either my bank or ability to contact XXXXXXXX XXXX corporate office to reach some resolution,. Thank you for any assistance you can provide.
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 XXXX regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes XXXX 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 XXXX 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 15usc1681c 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 XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX Owed : {$14000.00} XXXX XXXX XXXX XXXX Balance Owed : {$5200.00} XXXX XXXX XXXX XXXX XXXX XXXX {$16000.00} XXXX  XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00}
Product: Debt collection

XXXX XXXX XXXX is reporting a XXXX debt on my credit report. My social is XXXX date of birth is XX/XX/XXXX. I have requested verification and validation that this debt is mine and still this company can not provide but continues to report on my credit.
Product: Money transfer, virtual currency, or money service

Issue with Zelle & their disputes. In regard to CFPB lawsuit, important issues were similar.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 safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has been non-compliant with removing the unverified account USAA SVG BK which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that USAA SVG BK was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
Product: Credit reporting

I am XXXX I went to hearing and provided papers showing I have applied for social security XXXX but was waiting for a date for going to the Administrative Judge she made notes and put in file but yet still this happen and it should have not happen been trying since XXXX/XXXX/2010 XXXX XXXX XXXX XXXX XXXX # XXXX {$570.00} Credit Reporting Company Equifax
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX, XXXX, XXXX, XXXX XXXX , was never late! I have had exceptional payment history with XXXX XXXX, XXXX, XXXX, XXXX XXXX , and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX3 to be r

emoved. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 approximately XXXXXX/XX/XXXX EST. I transferred money from my XXXX express checking account to my XXXX mortgage account. A week or XXXX later my XXXX payment was reported to my credit as 30 days past due. I called XXXX bank who verified my payment was transferred on XX/XX/XXXX from my XXXX express checking to my XXXX mortgage via the XXXX online banking. However they stated since it was after XXXXXX/XX/XXXX EST it would not be reported as being transferred on the XXXX because the banks were closed it would be reported the next business day which was XX/XX/XXXX. XXXX will not reverse the 30 day late with the credit reporting agency even though they confirmed the electronic payment from my XXXX express to my XXXX mortgage was made and received on XX/XX/XXXX. The fact that XXXX clearly received funds prior to the 30 days and has record of it, but is unwilling to do the right thing and reverse the 30 day late is preventing us from getting refinanced. In addition to this, it shows on XXXX rules and regulations that internet banking cutoff time is XXXX : XX/XX/XXXX. I made the payment via electronic transfer from my XXXX account to my XXXX mortgage prior to 30 days. All I'm asking is for XXXX to do the right thing by supporting their customer and reverse the 30 days late for XX/XX/2021, so we can get refinancing. What happened to making my day a XXXX better? 
Please help me by doing the right thing. its clear the payment was made prior to 30 days. 
Sincerely XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is a terrible company I was included in the leak they had and selected to get free credit mentoring membership however my account with equiafax.com never worked once since i set it up. Every time i try to access my report online it says this We are temporarily unable to complete this request. When i try to access my report from XXXX it never allows me to access my report even though i have answered all security questions correctly. For years i have had issues trying to access my credit report online with equifax, XXXX is the only company whos website works I have the same problem with XXXX their website doesnt work and wont allow me to access my report, I call them to try to fix and nothing ever happens.
Product: Debt collection

They are calling my cell phone without permission attempting to collect on a debt that is past the statute of limitations. They have even sent me a notice stating that the have no ability to attempt legal action due to this, but continue to call. I received notice yesterday that I was part of a class action lawsuit against them for calling my cell phone without permission between XX/XX/XXXX and XX/XX/XXXX, which they deny doing anything wrong, but they continue to do so to this day! In fact, I just now received a call! They call 3-5 times a day, and I have blocked the numbers they call from, but they just keep using different numbers to get through.
Product: Mortgage

This is a follow up to Complaint # XXXX which was opened on XX/XX/XXXX and closed on XX/XX/XXXX. 

I refinanced my loan and the balance with Amerihome was paid in full on XX/XX/XXXX. An escrow refund in the amount of {$4700.00} was owed to me at this time. 

After months of nearly weekly calls with customer service consisting of conflicting information and no resolution, I mailed a notification of error to Amerihome on XX/XX/XXXX. It was received at Amerihome 's XXXX XXXX XXXX XX/XX/XXXX. I never received a response to this notification of error. 

On XX/XX/XXXX, I placed my initial complaint with CFPB, Complaint # XXXX. 
On XX/XX/XXXX, I received check # XXXX from Amerihome that was dated XX/XX/XXXX, but postmarked XX/XX/XXXX. 
On XX/XX/XXXX, I signed and deposited this check with my financial institution, XXXX XXXX XXXX. 
On XX/XX/XXXX, I was informed by XXXX of a stop payment placed on check # XXXX, the balance with immediately rescinded from my account, and a stop payment fee was charged to me. 
On XX/XX/XXXX, Amerihome responded to my initial CFPB complaint referencing check # XXXX. 

As of today 's date, XX/XX/XXXX, I have not received any funds from Amerihome for the escrow refund associated with Loan # XXXX in the amount of {$4700.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I initially reached out to XXXX for a potential auto loan refinancing. 

I noticed that they did hard inquiries, so I canceled the request. It shows canceled on their dashboard. 

16 days later, I received a notification that a hard inquiry was pulled on my from a company working with XXXX, the new company working with XXXX is called XXXX. 

I'm currently discussing the issue with the representative from XXXX assigned to my refinancing loan ; he has currently asked if I finished an application at XXXX this morning my time, to which I said no.