23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I am XXXX XXXX, and I'm submitting this complaint myself, and there is NO THIRD PARTY INVOLVED. 
I, XXXX XXXX, consumer, and natural person, have been a victim of identity theft pursuant to 15 USC 1681a ( Q ) ( 3 ) under the FCRA. I have filed an identity theft report pursuant to 15 USC 1681a ( Q ) ( 4 ). Just an FYI : I understand pursuant to 15 USC 1681c-2 ( c ) that you have the Authority to Decline or Rescind. I assure you the information that I am presenting to you was not blocked in error. No material misrepresentation of the fact has taken place. If you believe that I obtained possession of goods and services, I need a senior Executive member of this company to put it on an affidavit signed under the penalty of perjury notarized. Certified Mail # : XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX was never late! I have had exceptional payment history witH 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 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 those account 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. 


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

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Again, I was a victim of identity theft and this is another request to block or remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts not later than 4 business days after the XX/XX/XXXX. Ive already included this report in my previous letter & I am including it again. Also, the information you provided on some accounts are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. XXXX XXXX XXXX XXXX, NY XXXX, AMEX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$8100.00} This complaint is to notify you if you do not BLOCK OR REMOVE the listed accounts on my report, I will be filing a lawsuit. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good evening, To whom it may concern, I paid XXXX XXXX XXXX double mortgage payment for the month of XXXX. My account was recently transferred and my previous company sent XXXX  XXXX a paid mortgage payment on their end and I paid a full payment in my end as well. When I spoke to a representative, they mentioned that the payment was in the principle account and would be transferred for my XXXX or XXXX payment. I was a new transfer to XXXX  XXXX and received minimal assistance with my double mortgage payment issue. The representative mentioned that due to current COVID-19 policies, they would not report any late payments, especially since I already have the payment in the principle. They took a long time to transfer the payment and after numerous calls, the mentioned they there were delayed with servicing everyone. The late reporting on my credit report should have never occurred. I am disputing to have the report removed from my credit. XXXX XXXX has rendered the worst customer service since my mortgage was transferred to them. They were very slow to assist but reported a late payment after I was told that they would not have under COVID-19. My credit has dropped 80 points and I would really appreciate the assistance.
Product: Credit card or prepaid card

On XX/XX/2023 I received a notification from XXXX XXXX  that I had a hard inquiry from Capital One Bank. I did not request or try to open up any new account. I am a victim of identity theft and because of this action my credit score dropped XXXX Points. I am writing this letter to get that false inquiry removed from my credit report and to get my points back that I worked very hard to achieve.
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. 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: Debt collection

XXXX XXXX XXXX had a door to door salesman sell me a security contract and equipment. This is after I told them I was already in a contract with XXXX XXXX. Yet they still installed equipment and signed me up for a contract. Without my signature and a proper copy of the contract when the work was finished. Instead they gave me a free month of service and tried to buy out XXXX XXXX. I was told i didn't submit paperwork in time and they couldn't buy me out of the XXXX XXXX loan. They gave me XXXX dollars and have suspended my payments to the back end of the contract year. Instead of letting me break the contract without having to pay the next 6 months of the contract. I am an elderly widowed woman on a fixed income who was taken advantage of by the XXXX XXXX XXXX sales team. They failed to provide me with contracts with my signature on them and dates that are inconsistent. I am worried about my home security but shouldn't have to be worried about being robbed XXXX by a security company. I have already payed XXXX and Citizen Bank for the half the year {$1500.00}. I would willingly give back the XXXX dollars for a void in the rest of the loan and termination of XXXX contract {$1400.00}. I already pay XXXX XXXX and have payed XXXX for half the year two companies to do the same job. Again I was taken advantage of by the sales team for XXXX XXXX XXXX and not provided with adequate information. I will gladly pay back the {$200.00} I owe but find it hard to continue to spend my money on a company that clearly does not have my best interest at heart. PLEASE HELP!
Product: Credit reporting or other personal consumer reports

I was beyond disappointed when I noticed inaccurate accounts appearing on my credit report today. Im not sure what went wrong, but I never expected to see this. I check my report regularly, and today was the first time there were discrepancies. I even tried refreshing the browser, hoping it was a glitch, but the accounts didnt go away. This has been really stressful for me, and Im requesting that the documents I've sent be reviewed carefully so this issue is resolved once and for all.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, 2021, I submitted a letter asking XXXX  and Transunion, to remove the accounts that were identified as a result of identity theft. 

They responded with a letter that verified all of the accounts. How can you verify accounts that are result of identity theft? 

on XX/XX/2021, I filed my FTC report to identify items that are reporting on my credit file as a result of identity theft. 

XXXX  has blocked me out of using the online function of view the completed disputed, and disputing through the online function. But they also verified the accounts again. 

XXXX  and Transunion, has been operating in violation of the consumer rights because the accounts that were listed on the FTC report should have been blocked from my credit file in 5 business days. I have submitted numerous disputes identifying the errors in their system in regards to the accounts listed and yet the accounts still remain.
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. 


I told XXXX, XXXX, and Equifax to reinvestigate these accounts : Account name : XXXX Account name : XXXX XXXX XXXX XXXX, Account name : XXXX XXXX, Account name : XXXX XXXX XXXX XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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. Also 42 USC 408 states that asking for anyone 's social security number on any loan is fraud and a violation of XXXX for double dipping.
Product: Money transfer, virtual currency, or money service

On XX/XX/2020 I tried by all means to withdraw from the coinbase.com wallet the value of {$110.00} in bitcoins, which have been impossible to withdraw, because a legend appears that my account is already restricted. On no previous occasion I had problems, but now the account is restricted so I can't withdraw my money. 
I have communicated with the official support, and they told me that there is no support for the area where I live, I just have to solve they problem all by myself. Then they sent me another email telling me that the case was closed, and I still can't withdraw my money from the wallet. 
To be clear, I have all my documents verified by the company, and I am enabled to deposit and withdraw cryptocurrencies in my wallet. I have all the verifications in 2 steps, code by mail, code by phone number and fingerprint, and still I can not withdraw my money. 
I will be thankful if you can help me with this problem.
Product: Credit reporting or other personal consumer reports

I am writing to complaint to EXPERIAN about the reported data on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified. My address is XXXX XXXX XXXX XXXX XXXX, AL XXXX, and my name is XXXX XXXX XXXX. My birthdate is XXXX. The FTC report numbers related with this complaint are XXXX, XXXX, XXXX.I have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to delete them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Auto Financing Companies Inquiry date :XX/XX/2019
Product: Money transfer, virtual currency, or money service

I have a PayPal account that Ive only used once. Suddenly, I started getting emails and texts that my account was compromised and being used suspiciously. I messaged with customer service, and they said they hadnt sent texts or emails, so I requested they close the account. In order to do so, they told me I needed to upload a copy of my drivers license and a bank statement. I told them I would not do that as it exposes me to fraud. They wouldnt tell me what the fraudulent activity was either. I told them I would not upload those documents, and they claim they cant close the account without them. Now theyre telling me I dont have to upload a bank statement just a drivers license. I once again said I wouldnt upload that, and they refuse to close the account without it. If there is suspected fraud on the account it needs to be closed - but they refuse to without my uploading sensitive information. This feels like a scam.
Product: Credit card

I sent in my payment on XXXX. It was due in XX/XX/XXXX. They posted it on XX/XX/XXXX then charged me 2 late fees ( 2different cards ) Looks like even though they got it way before it was due, they can do what ever they want and then bill me. Company is Citibank
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XX/XX/2020 XXXX XXXX XXXXXXXX XXXX XXXX, Ga. XXXX Dear XXXX representative, Step 1 : What is this complaint about? 
The complaint is about the fact that when I asked Equifax about how they verified the bankruptcy that they are reporting on my credit report, by writing a certified letter to Equifax, Equifax says that the courts verified the bankruptcy and when I contacted the courts and the courts just do not report any bankruptcies to the credit bureau at all. 

Step 2 : What type of problem are you having? 
Equifax is sending me the same letter over and over saying that the bankruptcy that they are reporting on me is from XXXX a third party they claim verified the bankruptcy and that the courts verified the bankruptcy too. However, attached is a copy of the letter that the courts sent to me saying that they do not report bankruptcies or give personal sensitive information out because they do not verify personal information. Also, Equifax says that they got the bankruptcy information from a third party called XXXX XXXX. 

Step 3 : What happened? 

When I contacted XXXX XXXX, they have removed the bankruptcies that they were reporting on my credit report. See attached letter please where XXXX XXXX has removed the bankruptcy. Also, Equifax is sending me duplicate letters saying the same thing that XXXX and the courts verified the bankruptcy, when it fact neither take responsibility for verifying a the bankruptcy that Equifax is reporting on my credit report. 

Step 4 : What company is this complaint about?

So, Equifax needs to remove the bankruptcy that they are reporting on my credit report because when I wrote them 3 certified letters asking to remove and delete the bankruptcy ( since they did not verify the bankruptcy ) but keep sending me the same letters 3 in all saying the same thing ; the courts verify which the courts say they do not and they keep saying that the XXXX did not in infact removed the bankruptcy that they had on my credit report. 

Step 5 : Who are the people involved? 

Equifax contends that the third party named XXXX XXXX gave the bankruptcy Information to Equifax, but XXXX XXXX has removed the Bankruptcy. Please see the letter that XXXX XXXX sent to me stating that they have removed the bankruptcy that they were reporting on me Please assist me in this very important matter and demand that Equifax remove the bankruptcy from my credit report according to the 609 fair credit reporting laws. 

Thank you in advance. 

Sincerely, XXXX XXXX
Product: Credit reporting 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 items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXXXXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of multiple written requests, the unverified account listed below are still reporting on my credit report in violation of federal law. The 3 Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 U.S. Code 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statues. Please update this account completely from my credit reports. XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I went into AutoNation XXXX XXXX on XXXX, XXXX  to purchase a XXXXXXXX XXXX  XXXX I originally had a letter already from XXXX  XXXX for pre-approved amount, so it was no need for them to run my credit. Then the salesman came out and asked me to sign some paperwork and unlock my credit file to finish the deal. Then I started getting alerts that my credit was being processed and I called him and I was furious, I asked for the manager and I told him I didnt tell yall to run my credit. I explained that someone should have came and had a conversation with me and he apologized and thats when the manager XXXX XXXX said he would make sure it was removed.The whole time they just wanted me to finance with them, and the rest was to make it look good. I called for weeks and no resolution, so I started calling the companies and of course they said it was nothing they could do.They ran it through XXXX companies thats a big hit on my credit, and then they promised me a warranty on my car and I called and emailed for a month and they never followed through. Im paying an outside company for a warranty on my car because they didnt follow through on anything and I have the email and text messages for that as well. I truly regret doing business with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Due to 15 U.S. Code 1692g - Validation of debts ( a ) Notice of debt ; contents Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumers written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor.

( b ) Disputed debts If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor.

I am also a victim of identity theft in 2020 and a victim of identity theft in 2020.
Product: Credit reporting or other personal consumer reports

I am writing to formally address ongoing inaccuracies on my credit report, which remain unresolved despite previous attempts to dispute them. These errors are significantly impacting my ability to obtain credit, and I am entitled to compensation under 15 U.S. Code 1681i ( 6 ), which mandates that consumer reporting agencies notify consumers of the results of reinvestigations within five business days after completion. Your failure to correct these inaccuracies indicates noncompliance with both the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

Violations : Failure to verify disputed items As per 15 U.S. Code 1681i ( FCRA ), if disputed items can not be verified, they must be removed from my credit report.

Civil liability for noncompliance Under 15 U.S. Code 1681n ( willful noncompliance ) and 15 U.S. Code 1681o ( negligent noncompliance ), your agency may be held liable for failing to comply with federal law.

Debt collection violations Under 15 U.S. Code 1692k, your agency may be accountable for violations related to debt collection practices. 
Continued failure to address these inaccuracies will compel me to take further legal action, including seeking compensation for any violations.

Specific Discrepancies : Charge-Off Accounts Listed below must be deleted immediately due to violations of FDCPA Section 807 ( False and Misleading Representations ) and FCRA 605B ( Identity Theft Claims ). These accounts are falsely reported as charge-offs.

Collection Accounts The collection accounts listed below are in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be deleted immediately from my report.

Unauthorized Inquiries The inquiries listed below were made without my consent, in violation of 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be removed immediately.