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

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX  XXXX XXXX XXXX, OH XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX ; XXXX XXXX XXXX XXXX, OH XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX ; XXXX XXXX XXXX  XXXX XXXX, OH XXXX ; XXXX XXXX XXXX XXXX : {$2000.00} ; XXXX XXXX Balance : {$2400.00} ; XXXX XXXX Balance : {$390.00} ; XXXX  XXXX XXXX Balance : {$5400.00} ; XXXX XXXX Balance : {$1100.00} ; XXXX XXXX Balance : {$2300.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$3000.00} ; XXXX XXXX XXXX XXXX Balance : {$1800.00} ; XXXX  XXXX Bankruptcy Date XXXX XXXX XX/XX/XXXX Reference # : XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Product: Vehicle loan or lease

I was scheduled to pay off a debt with koalifi. When I called to make the final payment I was a few days late and they had quadrupled my debt
Product: Credit reporting or other personal consumer reports

My account with 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 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 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: Vehicle loan or lease

On XXXX XXXX, 2019 the car in question ( XXXX XXXX ) was reposed from a location in XXXX, Ca, by way of a tracking device ( installed in the car ). This location is not on file with car finance company ( Bridgecrest ). Representatives at Bridgecrest advised that the towing company took the car to a tow yard in XXXX, Ca. The balance to reinstate the loan on XXXX XXXX, 2019 was {$1700.00}. The loan was reinstated on XXXX XXXX, 2019 at XXXX ( XXXX ) in the amount of {$2000.00}. On XX/XX/, 2019 Bridgcrest representatives ( about 7 Reps ) advised the car would be delivered to Nevada for auction and owner would have to go to Nevada to retrieve the vehicle. A flight was taken from XXXX  to XXXX XXXX, NV on XXXX XXXX, 2019. On XXXX XXXX, 2019 at XXXX XXXX the auction company that is scheduled to receive the vehicle advises the vehicle has not made it and to call back in a few hours. On XXXX XXXX, 2019 at approximately XXXX XXXX   XXXX auction company advises vehicle is still not there. At approximately XXXX XXXX   Bridgecrest representatives advise the vehicle is still in California . Manager XXXX at Bridgecrest states that she will place an order to have vehicle sent to dealership owners choice and vehicle will be ready for pick up on XXXX XXXX, 2019. XXXX agrees to send car to : XXXX XXXX XXXX, XXXX ca, XXXX. In addition XXXX provides email address and fax number to arrange for reimbursement of flight and hotel expenses due to inconvenience and misinformation of Bridgecrest. On XXXX XXXX, 2019 at approximately XXXX XXXX XXXX, Bridgecrest informs that they are unable to locate car and can not provide a time for car retrieval. XXXX Manager at Bridgecrest advises they aren't able to reach their Transportation Company and is unaware of the location of all of Bridgecrest 's  fleet of cars including the XXXX XXXX that has been paid and reinstated. As of XXXX XXXX, 2019 3 business days since the car has been reinstated, the car has not been retrieved nor has the location of the vehicle been provided due to the negligence and uncooperation of Bridgecrest Financial. Attached you will find receipts for the flights, hotel and parking services as well as statements for taxi rides while in XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I am no longer listed as an authorized user on an account ( XXXX XXXX XXXX account XXXX XXXXXXXX ) since XXXX. I attempted to dispute it however the credit bureaus failed to remove it from my credit which is negatively affecting my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to login to the Equifax website without success. I called the customer service phone number for Equifax and verified my personal information twice. I was then informed I have to mail a copy of my SSN card and DL with a cover letter requesting to unfreeze my own credit file. After speaking with a supervisor I was not offered any resolution other than to mail a cover letter with my own information that the credit bureau already has access to. Because of their ineptitude my personal business is now being delayed when time is of the essence.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concern regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, 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: Debt collection

I saw this doctor in XX/XX/2011.My bill was paid in full. Now, six years later wtih no subsequent communication from the doctor this collection agency claims I OWE this bill. I asked for an itemized bill and clearly protested this bill saying I did not owe this money. They sent me a letter and " itemized '' bill. The bill is not on any letterhead that says where it is from. It says the amount is {$190.00} but at the bottom it says NO CURRENT PATIENT LIABILITY. 

The attached letter from the collection agency says the bill does not reflect my current charges and says the amount owed is XXXX. The letter also contains the following statement- '' the amount owed on the enclosed bill shows XXXX because your account has been charged off as a delinquent account. This does not mean that the amounts charged are not due, or that you have a XXXX balance. The amout due is reflected above in the current balance. This statement may not refect payments made either by you or any insurance comany after the service date. '' I do not owe the {$83.00} that Commonwealth Financial Systems says I owe. My credit report reflectss my 100 % ON TIME bill payment. They did not include anything from the physicians office with identifiers saying I owe this money. The bill they provided says clearly PATIENT HAS NO CURRENT LIABILITY. 

I am in the process of purchasing a home and this showed up on one of the credit reporiting agencies. 

They refuse to discuss this with me and will not listen when I tried to explain what the letter says. They say I owe this when I have nothing other than a letter from them saying I do.
Product: Credit reporting or other personal consumer reports

Capital One ( 3 late payments ) and XXXX XXXX Bank ( 4 late payments ) reported late payments on my credit cards during 2019 Coronavirus Pandemic under the Cares Act Law enacted by Congress there should have been some type of forbearance given and lenders should have refrained from doing so.
Product: Credit reporting or other personal consumer reports

I am writing once more to express my perplexity regarding your credit bureau 's handling of the investigation into the fraudulent account on my credit report. As you are aware, I have submitted the required FTC report to the Federal Trade Commission regarding this fraudulent account, and following this submission, XXXX and XXXX have removed this account from their records. I have also directly contacted the company associated with this account, and they have confirmed the removal of the account. Therefore, I am puzzled as to why this account is still being reported by your bureau. It is imperative to recognize that as a credit bureau, you are legally mandated to ensure the accuracy and timeliness of your records. Failing to remove this fraudulent account not only violates this obligation but also exposes me to further harm. 

XXXX XXXX XXXX XXXX XXXX
Product: Credit card

The self app like wont accept payments and is running up my late fees and tanking my credit. If I make a {$50.00} payment, theyll wain until I have XXXX in my bank and deny me.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, 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 CFPBs findings indicate that Zelle has not only neglected to protect customers 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: Vehicle loan or lease

I recently became XXXX and have tried to work out a lower payment and payment plan until my XXXX benefits kick in. The company agreed to a payment plan however one of their employees continually harasses me by phone and email demanding checking and credit card information. I have explained that I do NOT want to set up a payment date as it may lead to NSF charges and she continues to harass me about my checking and debit card info. I have asked that she NOT contact me any further and have even complained to her supervisor and she still continues to harass me.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am worn-out of sending dispute letters to XXXX requesting that they correct this mistaken accounts being stated on my Credit File because they have been doing nothing! This complaint is to follow up my prior protests and letters I submitted on XX/XX/2022 and to notify them that I am halfway of taking lawful action and litigate XXXX for their headstrong nonfulfillment of the FCRA statute. Only if they took time to update and correct the accounts on my Credit report, then I may halt filing proceedings against Credit reporting agencies. The accounts that should be adjusted are as follows : XXXX XXXX XXXXXXXX XXXX Date Opened:XXXX Balance : XXXX XXXX-Late/Open Late Date XXXXXXXX XXXX XXXX XXXXXXXX Date Opened:XXXX Balance : $ XXXXLat/Closed Late Dates XXXX
Product: Payday loan, title loan, or personal loan

I only borrowed XXXX from 1st Franklin Financial in XXXX Louisiana and they are making me pay back XXXX which is suppose to be insurance for a person which if they fall behind paying XXXX a month is expensive for me they told me it would help if I fall behind and then when I did they said something different if you lose your job that was not what I was told getting the insurance I was told if I fell behind now XXXX threatening me about taking my vehicle and asking me what I'm doing with my money I want to file a suit on them I have been worried, frustrated and humiliated I just want something to be done I would be surprised how they treat the other customers when they fall behind I even have tried talking to them it don't help please help
Product: Mortgage

my loan was forwarded to shell point mortgage servicing for XXXX. I was behind in payments, and made the payments on XX/XX/2016 in the amount of {$2600.00}, which was three months of payments. this payment should have covered the months of XX/XX/XXXX-XX/XX/2016. on XX/XX/XXXX I attempted to make a payment of XXXX, but the agent advised me that I could not make that amount that I need to make 4 payments, which comes to XXXX. She also advised me that I had XXXX in unapplied funds. then she advised me to send XXXX. I had advised her that I would not have that until next week, and she said I had thirty ( 30 ) days to make the 4 payments. I was not in foreclosure, but they could not take the three payments is what she had advised me. I told her that I wanted to dispute the other payments that she said was not paid. she said she was going to order a payment history from XXXX. on Monday I called to make the four payments and the agent told me that I would have to pay the XXXX because as of now I was in foreclosure. I told her that was n't so and I advised her what the other agent had advised me. I then requested for a manager to contact me, which I have n't had contact from the manager as of today. At the time I wanted to make the payment of XXXX I was only 3 payments past due. I am a victim of a wrongful foreclosure.
Product: Credit reporting or other personal consumer reports

I did not authorize the following accounts to be opened these accounts are on my credit report and they come from fraud and data breaches I have been notified of several data breaches from equifax XXXX and XXXX! I am looking to XXXX XXXX XXXX XXXX soon and these fraud accounts are preventing me from moving on in life! I HAVE FILED IDENTITY THEFT REPORTS ON THE FOLLOWING FRAUD ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late.

I recently reviewed my consumer report and noticed an incorrect late payment record on my GS BANK USA - XXXX. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX has sent me account documents that support I paid the account in full on XXXX XXXX, XXXX and the account was closed. Please see attached for the legal records. 

Equifax is reporting that XXXX XXXX XXXX reports that I was late paying the account in XXXX, XXXX, and XXXX of XXXX. This is not possible as the account was paid in full in XXXX XXXX and closed. Equifax is showing incorrect information on my credit report despite multiple attempts to get this information corrected. 

I am suffering quality of life issues given my credit score is severely reduced due to this reporting error that has no merit to be on my account.
Product: Checking or savings account

I opened a Citi Priority package with a {$500.00} promotional credit on XX/XX/2017. The promotion offer is a {$500.00} bonus as long as we satisfy some terms and conditions. However, Citibank refused to honor this offer even if I can prove that we have fulfilled all conditions. 

The terms of the promotional offer is : 1 ) Within thirty ( 30 ) days, 1 qualifying Direct Deposit must post to the new checking Account each month for 2 consecutive calendar months after opening the new checking account. 2 ) Maintain {$50000.00} in saving account more than 60 days.

According to my correspondence with Citibank customer service, the offer is not honor even I have fulfilled the requirements for the following reasons : 1. My previous account was closed within less than 60 days of the opening date of the current one.

2. This account was not enrolled in this promotional offer as it was opened.

However, we have documents/correspondence to prove the above two reasons are false.

1. My previous account was closed on XX/XX/2017, which is NOT within 60 days of the opening of the new account. 
2. When I opened the account at the XXXX ( CA ) branch, the banker clearly went through all the details about the promotion with me and signed me up. Also, one of the customer service did located the promotion ( XXXX ) when this account was opened. 
I believe the inconsistent information provided by the Citibank customer service has shown that they are dishonest during the whole process. 
1. In XX/XX/XXXX, I contacted customer service and they told me that my account satisfied the conditions and the bonus is expected in the following month or XX/XX/XXXX. 
2. Later in XX/XX/XXXX, another customer service said that, although theyve located the promotion, my previous closing account was less than 60 days ( reason # 1 ). 
3. Then I contacted them again to prove that the reason # 1 is incorrect. Yet another customer service told me that this account didnt enroll this promotion offer at the first place ( reason # 2 ). 
4. Now, I believe that they block our access to contact via customer service regarding this issue. 
As our correspondence reveals, Citibank keeps providing contradictory informations and refuses to address this issue by coming up new excuses. I shall attach our correspondences with Citibank with this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

Date XXXX XX/XX/XXXX company name - Carecredit Card/Synchrony Bank Since XXXX XX/XX/XXXX get the credit card The Company action : The reason ( s ) for decision " The number of dishonored payments '' my Explanation credit Limit {$3000.00} My credit payment {$2000.00} Current amount {$330.00} I paid {$1700.00} in 5 months even though I had one year to pay for it. I actually paid ahead so I deserve better. So Why my Account Close? 
I don't want this to cause a problem on my credit history so please change your decision.
Product: Checking or savings account

My issue is with Cash app who had me confirm all my identity just to tell me they cant allow me to access my account for security reasons. I said fine can my money that I have in my account be mailed to my address and they told me no. A check to my address can be a better identification then any. I need my money for my bills and they keep hanging up on me.
Product: Credit card

In XXXX, I paid balance in full on Home Depot account. On XXXX XXXX, I made a purchase in the amount of {$37.00}. Upon downloading my current billing, I noted that Home Depot applied a {$2.00} fee on XXXX XXXX for purchased made on XXXX XXXX. If I am not mistaken, I believe it is illegal to charge interest/fee on a purchase until it is billed.
Product: Debt collection

In the year 2000, my identity was stolen. Since then I have made several police reports and sent them to XXXX XXXX to dispute my debt. XXXX XXXX stated on my credit report that the loans were written off by the government but then they were bought by Navient and now they are continuing to contact me and charge me late fees and keep these loans on my credit report. I have also done the necessary fraud packets and submitted police reports to them as well and they refuse to take the loans off my name and continue to contact me about this loan
Product: Checking or savings account

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX RE : Wells Fargo Notice of disputed charge to Account # XXXX Claim # XXXX Dear CFPB, I am writing to dispute a charge of {$400.00} to our business checking account on XX/XX/2022. The charge is in error because a fraudulent service was performed on our lawn and we were a victim to a fraudulent scam. XXXX XXXX, the alleged landscaper, sprayed various chemicals on our lawn and killed our grass. We were told the lawn was properly fertilized and seeded. Instead, he sprayed toxic chemicals on our lawn, and covered the lawn with mulch and topsoil to cover the evidence. That weekend, it took two days to remove the thick mulch and topsoil on our grass to discover the lawn completely destroyed. It was yellow, brown, and black. Some spots were completely bare. 

We filed an immediate police report on XX/XX/2022 against XXXX XXXX with the XXXX XXXX Sherrif 's Department in XXXX XXXX, CA. XXXX XXXX scammed us by offering a fraudulent service as a professional landscaper. Other neighbors as well got conned and scammed. He has numerous police reports against him with the XXXX XXXX Sherrif 's Office between the dates of XXXX. My police case # XXXX. The XXXX assigned to my case is : XXXX XXXX # XXXX. I also filed a case with the Federal Trade Commission # XXXX. 

Unfortunately, we were victims of a fraud crime. This was a case of bad service, fraud, and services not rendered. We are requesting our payment to XXXX XXXX be refunded back to XXXX based on fraud. 

On XX/XX/2022, I filed a fraud case with our bank, Wells Fargo, within 10 days. Nobody from Wells Fargo called me, emailed me, texted me, or sent me a letter in the mail regarding my case. They did not know any details regarding my case. However, on XX/XX/2022, I was send a letter from Wells Fargo declining my fraud claim. Wells Fargo states on their website they research fraud claims. This was false in our case. We have been customers for over 25 years to Wells Fargo and have never filed one fraud case. We take fraud very seriously and would only file a fraudulent claim if it were 100 % true and accurate. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX