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

XXXX you replied that the alleged transactions that you identified as late is verfied. The following accounts are : XXXX XXXX : Account XXXX XXXXXXXX XXXX XXXXXXXX : Account # XXXXXXXX XXXX XXXX Account XXXX XXXX You have no proof that this alleged transaction was late. 15 U.S. Code 1666b - Timing of payments ( 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. In order for any creditor to treat a payment as late you must prove that : 1 ) The information required under 15 USC 1637 ( b ) of this title was mailed out or delivered 21 Days before the payment due date please provide the proof that this information was mailed out or delivered 21 days before the statement date. 2 ) 15 USC 1637 ( b ) is very specific on all required information needed or that must be mailed or delivered to the consumer! You have 10 days to send me all the required information. XXXX your reply to my dispute is Verified, have you verified what the requirements are for a creditor to treat a payment as late? The fact that you verified the information means that you are in possession of the information that was sent or mailed 21 Days before the statement date, and you are in possession of a copy of all information from 15 USC 1637 ( b ) and the Certified mail tracking number that proved the delivery of said information for you to verify this item as late! I am requesting a copy of the information pursuant 15 USC 1637 ( b ) and the tracking number that was used to prove delivery of said information to me the consumer 21 days before my statement date regarding this account. 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( 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 that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Product: Consumer Loan

I had a leased vehicle from XXXX-XXXX and turned it in early because there were some miscommunications and I was put in a low mileage lease that was XXXX a year when I travel XXXX miles per day for work, There was a change made without my knowledge.
Product: Money transfer, virtual currency, or money service

My money two orders were stolen and the person that stole it deposited it at a local XXXX XXXX. The {$1000.00} Money order number XXXX & {$140.00} Money order number XXXX, were stolen, cashed at the local XXXXXXXX XXXX XXXX. I went to the XXXX XXXX  and they won't reissue my money and told me to go to MoneyGram. I then went to MoneyGram and they said its the bank 's responsibility and won't reissue me another money order or refund me my money. Both XXXX XXXX and MoneyGram tell me to go to the other to collect. I just want my money, since the money order should not have been cashed, which is the bank 's risk when cashing money orders.
Product: Credit reporting or other personal consumer reports

Per the FCRA as a federally protected consumer I XXXX XXXX XXXX am OPTING OUT of any and all authorizations I the consumer may have given you written, non written verbal and non verbal PER 15 USC 6802, EFFECTIVE IMMEDIATELY INDEFINITELY. The law also states its illegal to report Transactions History.Title 12 Also states anything dealing with a securities is and automatic Federal Court Case.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've called XXXX XXXX multiple times, faxed three ( 3 ) and wrote to them four ( 4 ) times including the request for Validation Letters that I'd sent to the reporting Vendor. 
I've asked that they verify Per the Fair Credit Reporting Act, 15 U.S.C. 1681. To please PHYSICALLY verify and VALIDATE as required under the FCRA all of the following data on all the below accounts : ALL DATES, FULL ACCOUNT NUMBER, ACCOUNT STATUS, PAYMENT STATUS, ACCOUNT BALANCE, HIGH BALANCE, TYPE OF ACCOUNT, CREDIT LIMIT, DATE OPENED, MONTHLY PAYMENT AMOUNT, PAST DUE AMOUNT, ORIGINAL AMOUNT OF TRANSACTION/LOAN, DATE OF LAST PAYMENT, DATE OF LAST ACTIVITY, AND REMARKS regarding a collection that they have been reporting on my report since XX/XX/2021. 

I've written to EQUAFAX requesting VERIFICATION on XX/XX/2021, XX/XX/2021, XX/XX/XXXX, XX/XX/XXXX. 

They have yet to provide the required data.
Product: Credit reporting or other personal consumer reports

Despite of my previous request, I had found out that there were still erroneous accounts on my credit file that seems to be inaccurate. For that, I am submitting again this complaint to espress my dissatisfaction as I saw my credit report again. I want some investigation regarding these matters. I am asking that you notify such informations. In addition, I want you to take immediate actions to avoid the repeated erroneousness on my account. This should include improving the quality control process and conducting regular audits to ensure the accuracy of the information reported. The account needs to investigate and be corrected on my file : XXXX  XXXX - Please check the status of this account. It is entirely wrong, to begin with. I was never late on this account. My record shows that this account was Paid as Agreed and I never missed a payment. Please update it immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened a XXXX  account in error. Payments were made on time before I closed it.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX acct. # XXXX is reporting incorrectly. This ongoing and continuous violation of the Fair Credit Reporting Act is causing me undue stress and a defamation of my character.
Product: Credit reporting, credit repair services, or other personal consumer reports

Submitted an initial request here with assistance from my attorney but realized my social is wrong. These items on my credit do not belong to me and I'm submitted request for these items to be removed. Thank you.
Product: Mortgage

PHH Mortgage of XXXX. XXXX, NJ had stated that they sent a check for an escrow overage. I never received the check from PHH. I contacted PHH a few weeks after I did not receive the check and they stated they would have a new check issued. I waited another 14 days and contacted PHH again. At that time PHH told me my loan was paid off, it was not paid off as my loan was just opened a year ago. I told PHH that my loan was still open and that I wanted my escrow disbursement. PHH then told me that the check sent for the escrow overage was " cashed. '' I stated that I did not cash the check. PHH then told me they would send me a copy of the cashed check in 7-10 days. After not received the supposed  cashed check I contacted PHH again. PHH again stated that they would send the cashed check. I have not received the cashed check or the check that was not cashed. They have been a nightmare to work with.
Product: Mortgage

I have IRMA damage to my home in XXXX County Florida. I had to sue my insurance company to get coverage. While I'm waiting on the lawsuit to end I fix the house with SBA money and my own money. Insurance company settled in XXXX. In XX/XX/2019 I received 50 % of my monies from LoanCare ( mortgage servicing company ) on XX/XX/2019 I received a 100 % inspection but LoanCare will not release the remaining funds. I've called them countless times and they keep telling me I need additional paperwork. LoanCare has all of the required paperwork. They just will not release my remaining funds because I did some of the work myself and they don't know how to handle that.
Product: Credit reporting or other personal consumer reports

I am submitting a complaint against Curacao. They have been causing so much damage to my credit report with the way they report their credit limit. One month they will report I have a credit limit of {$1700.00}, the next they will report my credit limit is {$720.00}. Causing my debt to ratio to fluctuate. I have submitted several complaints with XXXX but they never do anything. My actual credit limit is {$720.00}. I have attached the screenshot I took on XX/XX/year> & I have also attached a screenshot of the credit limit they reported to XXXX. This has been an ongoing issue. They need to go ahead and start reporting accurate information because once again they are going to cause my credit report to go back down next month. They either increase my XXXX credit limit to {$1700.00} or stop reporting that it's {$1700.00}. This is exactly why I paid them off as quick as I could to have a {$0.00} balance and even then they still went ahead and reported my limit at {$1700.00} with 0 % debt owed.
Product: Credit card or prepaid card

I have been on vacation XXXX today XXXX and received information from XXXX app that a XXXX Bank for XXXX PayPal credit card account in the amount of {$700.00} was opened during that time period of my vacation ( went to XXXX XXXX XXXX and in XXXX, GA from XXXX and XXXX ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Account Name : XXXX XXXX Date Opened : XX/XX/2017 Amount : {$1000.00} Account Type : Charge Off This company has failed on multiple occasions in the past 10 months to comply to the laws. They have failed to investigate my dispute properly, FAILED TO RESPOND to my disputes, failed to prove investigations, failed TO PROVE OWNERSHIP, failed to legally verify and prove willful negligence. 

I, XXXX XXXX XXXX, have gathered all this information for litigation.
Product: Credit reporting or other personal consumer reports

I have submitted this complaint multiple times to emphasize the urgency of the matter. It has come to my attention that several accounts were opened in my name without my explicit consent. Given the severity of identity theft, 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
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  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and 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 XXXX 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, credit repair services, or other personal consumer reports

I have requested several times for the bureaus to remove these inquiries but they refuse to. I am requesting written proof they belong to me!
Product: Debt collection

I have disputed this account from lvnv funding XX/XX/XXXX  it was deleted from my account but it's still showing on my credit report and they still send me emails trying to collect a debt can you please make sure this is removed from all of my credit thank you.the amount is XXXX Your Account Dispute has been updated. 

XX/XX/XXXX  The dispute for the account with LVNV FUNDING LLC that starts with XXXX has been removed from your credit report. 

Source XXXX  Date Submitted : XX/XX/2023 Report Number : XXXX Account Number : XXXX Company : LVNV FUNDING LLC Address : C/o Resurgent Capital Lc XXXX XXXX XXXX XXXXXXXX, SC XXXX
Product: Debt collection

I have received repeated calls and letters regarding this debt. I have requested validation of the debt and was told that the debt is mine however, how can the debt be properly validated if you don't know the services that were completed and if it is accurate. I personally don't remember ever receiving services here and especially not for this amount. In order to properly validate the debt, the bill would have to indicate what services were performed and doing so would be a HIPPA violation. Please delete this erroneous debt.
Product: Credit reporting or other personal consumer reports

My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concern regarding Zelle handling of disputes, particularly in light of recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting the discrepancies, my financial institution and Zelle failed to investigate my claims adequately. I was informed that recovering the funds would be impossible and that tracking them would be infeasible. The CFPB findings indicate that Zelle has neglected to protect consumers and allowed repeat offenders to exploit the system.
Product: Credit reporting or other personal consumer reports

n 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  XXXX ) XXXX XXXX XXXX, ( XXXX ) Account # XXXX ( XXXX XXXX XXXX ) ( Transunion ) Account # XXXX ( XXXX XXXX XXXX, Account # XXXX ( 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, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. Chapter 7 Bankruptcy XXXX
Product: Vehicle loan or lease

Traded my car in for a new loan in which the existing loan was paid off at rhe signing of new loan in XX/XX/year>. Theres no way I could possibly be late in XXXX on an old loan that was paid off before XXXX.
Product: Debt collection

My name is ( XXXX XXXX ), a federally protected consumer, and I am making this complaint against ( AD Astra Recovery Service ) for committing identity theft. I have never given ( AD Astra Recovery Service ) any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am aware that the that in accordance with Article 9, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 U.S. Code 1692e ( 12 ).

I have never received any documentation requesting validation from ( AD Astra Recovery Service ) before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report including but not limited to 15 U.S. Code 1692d ( 4 ) which the FTC defines as debt parking. If ( AD Astra Recovery Service ) can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation.

I am legally refusing to pay this debt pursuant to 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until ( AD Astra Recovery Services ) can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and ( AD Astra Recovery Service ) continues its collection efforts, I will file for litigation for actual damages caused and ( AD Astra Recovery Service ) will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.
Product: Credit card or prepaid card

By correspondence, dated XXXX XXXX, 2021 XXXX precise date not revealed to avoid identification of XXXX XXXX, XXXX received notice by American Express that states, " We're writing to let you know that about XXXX XXXX XXXX an error that occurred on your account listed above. Making sure you know about any mistakes we find is important, so we'd like to explain what happened and what we've done to make it right. '' " Due to a 'system issue, ' the incorrect Plan Fee ( Fixed Finance Charge ) was reflected on the XXXX Agreement we sent you. '' XXXX internal quotation added XXXX. 

After consulting with an American Express customer service agent, XXXX was informed that the " error '' was caused by the marketing team -- not a system issue. Despite the language used by American Express that they were conveying good news to a cardmember, the proposed new XXXX Agreement included : an increase from 1.00 % to 1.33 % Plan Fee ; AMEX removed the ability to the possibility of balance transfers out of the Plan, thereby requiring this Cardmember and presumably others to pay 1.33 % with no ability to transfer ; finally, AMEX modified the agreement to define cash advance to include the purchase of precious metals coins or bullion and digital precious metals products. 

AMEX has instituted their new XXXX XXXX effective immediately. This is a violation of the Truth in Lending Regulations, specifically XXXX Determination of Annual Percentage Rate, which states, in pertinent part : a )... An error in disclosure of the annual percentage rate or finance charge shall not, in itself, be considered a violation of this part if : XXXX XXXX XXXX The error resulted from a corresponding error in a calculation tool used in good faith by the creditor ; and ( XXXX ) Upon discovery of the error, the creditor promptly discontinues use of that calculation tool for disclosure purposes, and notifies the XXXX in writing of the error in the calculation tool. 

As stated, XXXX, the XXXX was informed by AMEX that the error was caused by the marketing team, and not due to a 'system tool ' error ( whatever that XXXX be ). Secondly, if the 'system tool ' was really a calculation tool, AMEX XXXX promptly discontinue use of that calculation tool for disclosure purposes, and notify the XXXX XXXX writing of the error in the calculation tool. Id. 

In addition, pursuant to this XXXX 's regulations, AMEX was required to provide XXXX ' notice of any proposed *permissible* changes to a cardmember 's agreement, however AMEX have notice of a non-permissible change and failed to give the requisite XXXX ' notice. Moreover, upon information and belief, AMEX did not notify the XXXX that it had immediately ceased usage of that certain 'system tool ' or provide the required written notice to this XXXX of the error in that tool, whether it be a calculating-tool or a evasive synonym of 'system tool. ' By engaging in these acts, without excluding the possibility of other unlawful acts not listed herein, AMEX has violated the Truth in Lending Act to the harm and detriment of its affected cardmembers, including XXXX.
Product: Checking or savings account

On XX/XX/XXXX I had deposited {$500.00} into my spending account. This is all of my money and I planned to use it for living expenses and food. Robinhood restricted my account sending me an email saying my account was restricted due to unusual activity and because they were unable to reach me. I contacted them uploaded my ID to identify myself and submitted bank statements that they requested, and I confirmed all the activity on the account is mine. They verified me, confirmed there is no unauthorized activity and they have not removed the restriction on my account. I called them everyday to tell them I need access to my own money but everyday the only response I get back is that they are reviewing my account still. My account does not even have that much activity to review, I told them they can review as much as they want while my account is unrestricted also. But it has been 2 days and my account is still restricted. I am hungry and cant even buy food because they wont let me use my own money. They wont even let me close my account to get my money back. They are harming me and withholding my money unreasonably.
Product: Credit reporting, credit repair services, or other personal consumer reports

This problem is with XXXX and Equifax. My information appears to have been mixed with someone whose SSN is one different from mine. I can not speak with a representative to get more information because while my information is listed on the report as the " previous name, '' my correct name is not the primary on the report. My score dropped by more than XXXX points because of this.
Product: Credit reporting or other personal consumer reports

I believe FCRA 605B mandates the elimination of any erroneous entries from my credit history. Would you mind examining the paperwork? Several of the cited accounts exhibit inaccuracies in their reporting.
Product: Debt collection

The recovery solutions group llc has sent many threatening emails. They have said that they will take property, they have contacted relatives even when they were asked to not contact. They are giving my information out to relatives. Most recently XX/XX/2020. 
This company has more so harassed me about a debt. They send threatening emails that they will go through all my bank accounts. They have even threatened me that I better hope I have all legal documentation for my company and Im not illegal. I have asked them to stop over and over and they wont. They are still contacting my family.