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

My account with XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX 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 my 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 60 days to be removed. 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. XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 8
Product: Checking or savings account

After a great deal of effort and time, I opened a new accout with US Bank on XX/XX/XXXX. My new account met requirements, as explained by the banker in-person, to receive a {$600.00} signing bonus : deposit {$6000.00} by wire transfer within 60 days, done on XX/XX/XXXX, and the bonus would be paid after 60 days. I followed up on their XXXX tel # on XX/XX/XXXX. They confirmed I met the requirements and would settle in XXXX days. Nothing. I called on XX/XX/XXXX. They told me I would recive the bonus by the end of XXXX XXXX. Nothing. I called on XX/XX/XXXX, they needed another 30 days to sort it out. Frustrated, I made an in-person appt with the banker who opened the account. NO bonus because I am not employed, I am retired and one of the wire transfers is from my trading account. The banker was as surprised as me. I thought cash was cash. What possible business reason for this fine print? I have not had this experience with other banks. I wasted at least {$600.00} of their time! No wonder they were down-graded. Closing account asap.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax did not remove fraudulent accounts from my credit report. I have submitted identity theft report, along with required identification. I also can not access my credit report online. I am XXXX and sometimes can not make it to my mailbox so I prefer online reports which I am denied access to. 
I put in first dispute on XX/XX/2023. I submitted all required documents. I re sent dispute certified mail which was delivered XX/XX/2023. Someone viewed my documents that same day because they cleared my inquiries that I disputed in the letter but failed to remove other fraudulent accounts. Equifax HAVE INCORRECT BIRTHDAY LISTED FOR ME AFTER I CALLED MULTIPLE TIMES AND SUMBITTED IDENTIFICATION. THEY WILL NOT FIX INCORRECT INFORMATION. I could not open gas and electric services for more than 7+ weeks because no company can pull my report to verify my identity because Equifax has it locked even after I sent in identification multiple times.

Equifax violated FCRA 605B ( 15 U.S.C. 1681c-2 ) - ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt 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.
Product: Money transfer, virtual currency, or money service

Tam writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant with the platform. Despite of using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering the lost funds was impossible and that tracking these transactions was infeasible the CFPB 'S finding 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.

D
Product: Money transfer, virtual currency, or money service

First I received the money in my Paypal account Total sum of XXXX GBP + {$88.00} USD which in the XXXX Rupee converts into XXXX and PayPal held it for more than 21 days considering me as a New Seller. 

After that on XXXX when the fund release time was near I received an email that my account has been permanently Limited by PayPal and I can no longer use their services, also they'll hold my Entire Balance for 180Days. 
All of this without giving me a single reason why my account access was limited and I'm unable to withdraw my money. After that Email, I contacted PayPal on XXXX and asked for their Support Email and tried to resolve the issue myself but they weren't willing to help. 
I tried calling their phone but they disconnect it as soon as I verify my account identity. 
My account goes by the Email- XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and remove them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021
Product: Debt collection

I was recently alerted, by XXXX XXXX, to a reporting of a medical debt. The debt was reported by Credit Control Corporation located at XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, VA XXXX. 

However, the debt is not mine. According to the report, the charges originate from services provided at the XXXX XXXX XXXX XXXX and by XXXX XXXX of XXXX. However, these establishments are located in XXXX  XXXX - somewhere I've never resided or visited and occured during times that I lived elsewhere. Further, I am fortunate to be fully insured. If I have to visit a medical facility, I'm covered. The impact of this likely clerical error to my near perfect credit has been detrimental ( a loss of XXXX points on XXXX  ).
Product: Credit card or prepaid card

On XX/XX/2021 someone withdrew {$800.00} from my bank account. I took the steps I needed to take such as filing a claim with Bank of America and verifying my identification with EDD. My identity has been verified but for weeks Bank of America has not sent me any communication about my stolen funds. Since this incident, I have been put into debt because Bank of America does not give me the credit that is due to me. I have called the bank multiple times but they offer no help. They have frozen my account and I have not received my {$800.00} that was stolen from me.
Product: Consumer Loan

I had a personal loan with Best Egg that I originated online and paid automatically on a monthly basis through my checking account. About one year into the 36-month term of the loan, we refinanced our home, and the lender added a condition that the Best Egg loan balance must be paid out of escrow funds before our refinance would close. 

On the day the refi was funded - XX/XX/2016 - the escrow agent called Best Egg and attempted to make a payment. He offered to do a wire transfer and was told that it would not be acceptable. He offered to do an ACH payment and was told it would not be acceptable. He even offered - with my blessing - to log into my Best Egg account and initiate a payoff from there. He was then told that all of these options would be unacceptable, and the only way that Best Egg would accept a payoff was via check, mailed to their address. 

Here 's what Best Egg did not say : They charge daily interest, so every day that goes by without receiving my payoff, they charge me more money. Each day, almost {$10.00} - I believe it was {$9.00} to be exact - was added to the loan balance. So they did n't receive and credit my payoff until XX/XX/2016, resulting in {$39.00} in extra charges to me. I feel that this is unacceptable and almost fraudulent - they engineered a process by which they could tack on a few extra days ' interest to every single loan payoff, and did n't even have the courtesy to tell the escrow agent that this is what would happen. As a result, they never considered my account paid off - rather, they now consider it to be delinquent with this minor and ever-increasing interest balance. 

I contacted Best Egg this morning, XX/XX/2016 and spoke with " XXXX. '' XXXX informed me that they are unwilling or unable to adjust the interest charges, and this is just how their process works. Despite being fully able to take electronic payments on a monthly basis from my checking account, electronic payoffs just are n't allowed because - XXXX 's words - " our systems just ca n't handle it. '' So apparently I 'm supposed to pay this extra interest, based on a payoff date of XX/XX/XXXX, even though my agent was on the phone XXXX days earlier offering up numerous electronic payment options? I think this is outrageous.
Product: Vehicle loan or lease

I am getting no assistance between strike acceptance and XXXX XXXX XXXX XXXX. I was sold a car with a faulty transmission and was force to pay out of pocket for a brand new transmission ton a car I had less than 30 days. 
I asked XXXX XXXX and both strike acceptance if there is anything they could do to help out with the payment plan. I am only XXXX payment behind the first payment and that is due to being stranded in XXXX GA with a XXXX XXXX XXXX ( traveling from XXXX ) I have had to pay for multiple train rides as well as hauling services due to the lack of assistance. XXXX XXXX has had the car impounded. Strike acceptance has advised that I must pay the total of the car off to obtain the vehicle. I am a single mother who has been utterly abused and mistreated as well as I feel I was truly given the poorest customer service. I have came out almost {$2500.00} to fix the car and safely get my family back to XXXX XXXXa all for them to take it away once I finally got it back to XXXX XXXX XXXX I even visited the XXXX XXXX XXXX XXXX this day to return a rented vehicle. 

Because of this hardship I was late on my first payment for XX/XX/XXXX. I was not able to pick up my car from XXXX until XX/XX/XXXX. 
My car was towed/repossessed on XXXX. 
The bank sent a letter advising my vehicle would not be sold until XX/XX/XXXX, however sold the car back to dealership on XX/XX/XXXX. 
XXXX XXXX advised they had no idea whats was going on with the car and attempted to run my credit to place by me I. A different car. 
I explain to them that strike has advised the car was release to the dealership but XXXX kept denying this statement. ( they did not want to put me I. The same car ) after all the trout XXXX I had faced to get the car fixed. My car was not sold as is and was under warranty. We also found that the dealership did not fix the recall on the transmission before selling me the vehicle ultimately factoring into the transmission failing on me. 

This hardship has set my family back completely. I traded in a car for a lemon and feel completely robbed and scammed. 
If the dealership would have taken the responsibility of fixing the car, I could have successfully made my first payment on time. 

Because the bank went outside of the agreement via the letter ( not selling the car until XX/XX/XXXX ) they agreed to remove the trade line from my credit profile. While I do appreciate this I feel both the bank and XXXX XXXX should be held accountable for the lack of protection against the consumer as well as not allowing me the time to pay for the car before selling the vehicle. 
Also the trade line still shows on my credit after strike informed the better business bureau of deletion.
Product: Credit reporting or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.
Product: Credit reporting or other personal consumer reports

As of today this company get reporting me to XXXX XXXX  of a closed acct of being late. This acct has been close for over a year. And this company continue to charge late charges and report this acct as if it is an active acct. balances of this closed acct continue to rise because this company is fraudulently and continues to report late payments and late fees knowing this acct has been closed.
Product: Credit reporting or other personal consumer reports

Equifax credit bureau refuses to acknowledge a blatant flaw in their password reset system and when asked give computer generated responses Their password reset system on Myequifax will allow any email address and phone number and doesn't check to make sure its what the consumer has put on file. This makes its entire system vulnerable to hackers.

Whats worse is Equifax sells XXXX and systems in other countries have these features. This needs to be addressed pronto. 

I will be starting an online petition slash riot to encourage people to flood the cfpb with this complaint until its addressed. The American people deserve security
Product: Checking or savings account

Wells Fargo blocked my accounts due to fraud. They will not close the accounts or let me withdraw my money. It has been XXXX  days. I have had meetings with bakers XXXX  times and been on the phone with the loss prevention department daily and am getting no help.
Product: Credit reporting

equifax was correctly reporting an account-american honda fiinance from XX/XX/XXXX to around XX/XX/XXXX on their report @ XXXX this account was reported correctly as included in chapter XXXX bankruptcy, but around XX/XX/XXXX, they removed the included in bankruptcy and they started showing current late or missed payments, when i disputed the item i included a copy of the bankruptcy listing american honda finance but the result of their investgation claims that XXXX claims that they are reporting the item correctly and they informed me that it does not make any difference what i provided to them as they do not make an changes based on any documents that i provide but only in what the company reports, i have spoken to XXXX XXXX and they indicated that they are reporting correctly to all credit reporting agencies and that is " included in bankruptcy '' and they do not know why is equifax reporting something different, note that transunion and experian are reporting the item correctly as " included in bankruptcy. i asked equifax to provide the document from XXXX XXXX showing late current payments so i can provide tham to XXXX XXXX but they would not provided it. 
i am in the process of purchasing a home and score from equifax went down XXXX points in XX/XX/XXXX after they made the change to my credit file.
Product: Mortgage

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX VA XXXX BANK OF AMERICA BANK OF AMERICA credit on my XXXX Credit report This letter is your formal notice to cease your unauthorized hard inquiries into my credit report and, a formal demand that you immediately contact the credit reporting agencies and credit bureaus XXXX, where your organization has made inquiries into my credit history, to have your illegal inquiries removed. Be advised that I will be checking my reports to ensure you have had the following unauthorized inquiries removed : BANK OF AMERICA XX/XX/XXXX To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer. 

If you are in possession of any document that you believe authorizes you or your organization to make inquires into my credit report, I respectfully request a copy of this document be sent to my address listed above so that I may verify its validity. Given the amount of identity theft, I 'm sure you 'll agree that verifying your information is in your best interest. 

Finally, assuming you do not posses inquiry authorization, I request that, after removing your unauthorized inquires from my credit profiles, you also remove all of my personal information from your records and send me confirmation that you have complied with my requests. 

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

In accordance with the Fair Credit Reporting act XXXX, PAYPAL, SYNCB/AMAZON PLCC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 can not furnish a account without my written instructions.
Product: Vehicle loan or lease

This involves a car loan ( XXXX ). The first issue I have is that the credit union was misleading in omitting to inform me of fees associated with the payment of the loan. In this case, now that I paid off the loan is when I learned there is " {$35.00} '' fee for the credit union recording a lien with WI 's DMV. 

Second, I have been in contact with the credit union since XXXX.17 about my issues and have requested several times proof that the credit union paid this fee and that the matter be escalated to someone with authority to dig deeper into my request. So far, nothing. They claim the paid it, but that there is no invoice/documentation for it. What if the fee was actually {$5.00}? {$0.00}?
Product: Debt collection

XX/XX/2018 -I called XXXX XXXX that was listed on my credit report to resolve my debt and have it removed from my credit. I obtained the account number and the total amount owed along with where to send the payment. 
A few months later I saw the debt still on my credit report but it was taken from my bank account electronically and delivered to Resurgent Capital which is whom I was told to make the payment to. I called back to XXXX XXXX  that was told that I needed to call my bank that it was my banks issue. My bank told me the funds were delivered and that there was no issue on my end. I continue to receive calls to collect this debt. I faxed proof from the bank account that this debt was paid from my account back in XX/XX/XXXX. A company called XXXX has now began calling me to collect on this debt that I already paid. They stated that Resurgent Capital still holds the debt and that they are making the calls on their behalf. I explained my situation and they were to look into the matter. I recently have gotten in the mail a package of old statements from the original creditor that says this is proof that this is your debt. I never disputed that it WAS my debt. My issue is that on XX/XX/2018 the payment to pay this debt was delivered in full. I called resurgent capital on XX/XX/18 and was told that the proof that I sent from my bank showing payment was illegible. No one ever called me back in XXXX when I sent this to tell me or try to resolve the matter. No one has tried helping me at all. I just continue to receive harassing and threatening phone calls that this will be sent to lawyers no matter how much I tell them it was paid and try and help them see the payment. I called back a second time to Resurgent Capital and spoke with a lady who stated her name was XXXX. I tried explaining the issue and she became VERY rude and told me to stop talking. She would not allow me to finish anything that I had to say. I am reaching out for help to this company and keep getting passed around, meanwhile this debt still sits negatively on my credit even though I paid this months ago with my own initiative. I don't know who else to reach out to or what else to do. I just need this matter resolved and I can't resolve something when every time I call I am being told this is an attempt to collect a debt and people are so rude and don't want to hear that I paid this but just tell me that I need to make a payment. I am at a loss on how to proceed with this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

the credit bureaus credit won't let me dispute online or over the phone the following accounts are not mine account name XXXX {$2000.00} Account number XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX {$1300.00} Account number XXXX
Product: Checking or savings account

My wallet was stolen and informed bank of unauthorized charges and they kept the charges on my account
Product: Credit reporting, credit repair services, 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. 

XXXX XXXX : XXXXXXXX XXXX XXXXXXXX ( Original Creditor : Medical : XXXX, XXXX XXXX XXXX : XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX : XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX : 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.