23daVinci/CFPB_Complaints huggingface dataset:
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 paymen t reported in 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 or other personal consumer reports

The following accounts continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these accounts must be verified ( A ). I will bring legal action against you if you do not verify these accounts. To help this situation be settled as quickly as possible, kindly uphold the law. 
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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

COMMUNITY LOAN SERVICE XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Date Open XX/XX/XXXX Status updated XX/XX/XXXX Balance {$250000.00} COMMUNITY LOAN SERVICE Has committed Securities Fraud and Identity Fraud. I have never consented to there mortgage. COMMUNITY LOAN SERVICE have taken my identity and take out Securities out in my name without my consent That is Securities FRAUD and Identity FRAUD.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian, XXXX, XXXX has all failed to remove inaccurate information from my credit file. I've reached out and tried to get this matter addressed. I'm a victim of ID Theft and have suffered as a result. I've reached out to the local police and credit bureaus. The following accounts are result of ID theft : 1. XXXX XXXX XXXX # XXXX 2. XXXX XXXX XXXX # XXXX 3.XXXX # XXXX 4. XXXX XXXX XXXX # XXXX 5. XXXX XXXX XXXX # XXXX # XXXX 6.XXXX XXXX XXXX XXXX XXXX 7.XXXX XXXX XXXX  XXXX # XXXX
Product: Credit card or prepaid card

XXXX, Ive followed the federal law procedures and requested clarification, including documentary evidence, because it's expected by law that both ( or all ) parties to an agreement have the reasoning capacity to understand exactly what it is they are agreeing to. Ive been denied access to these documents several times. As a loyal customer for several years, and a consumer whose rights are protected by federal law, I need your help. I believe your company truly strives to earn and maintain the public 's trust by constantly adhering to the highest ethical standards. 


Documentary Evidence required in accordance with 12 CFR 1026.13 ( 6 ) Please provide clarification, including documentary evidence, on the following : Any and All documents, correspondence, papers, and corporate records proving that " Adequate Notice '' was received and understood by the cardholder in accordance with 15 U.S. Code 1602 ( k ) for above-mentioned accounts ( XXXX & XXXX ) ; dates and times ; Any and All documents, correspondence, and papers of receipt and acknowledgment of reasoning capacity to understand what I what was agreed to ; Any and All documents, correspondence, papers, and corporate records of the XXXX published version of the Shop Your Way Mastercard Agreement with both parties ( or all involved parties ) signatures ; Any and All documents, correspondence, papers, and corporate records of the XXXX published version of the Costco Anywhere Visa Card Member Agreement; with both parties ( or all involved parties ) signatures ; Any and All documents, correspondence, papers, and corporate records of the Citibank, N.A., records and/or data retention policy guidelines ; Any and All documents, correspondence, papers, and corporate records proving that adequate notice of disclosure of personal information was given in accordance with 15 U.S. Code 6802 ; Any and All books of accounts, financial records, and corporate records about this consumer credit transaction, including how Citibank, N.A., funded the above-mentioned accounts ( XXXX & XXXX ) ; Any and All audit trails of the funding of the account transaction by which accounting, trade details, or other financial data can be traced to their source, i.e., from your accounts to the above-mentioned accounts ( XXXX & XXXX ) ; Any and All documents, correspondence, papers, and corporate records that fully disclose the details of the entire agreement, which is a requirement of a contract ; Provide the original agreement with the signatures of both parties ( or all involved parties ), signifying consensus ad idem, or a meeting of the minds, which binds both parties.
Product: Credit reporting, credit repair services, or other personal consumer reports

Navient XXXX, 2021 Listed 6 /90 day late Payments missed under the Cares act. 
It was my understanding that the student loan Payments were on pause. I quickly notified Navient when I seen the late payments. 
One loan, placed 6 times. 
During this time Iost my Daughter on XXXX day, I couldn't think straight for months. Finally looking into the student loans I got everything straightened out but it has put a black mark on my credit score. I never been late. I sent a letter to the credit agencies and disputed. They sent no proof. I then contacted Navient and they wanted a dispute letter. This is wrong during a national pandemic
Product: Checking or savings account

I filed a case : Complaint Number XXXX-XXXX. I have 3 letters from US Bank in response of that case. The letters indicate phone numbers I have to call to solve this dispute and 2 of them are not the department that I supposed to call. I have been transferred to different departments, all of them asking my account number, name, social security number, date of birth, case number ( issued by the Bank ) which I provided all to all of the agents I spoke with and none of them were able to solve this dispute. 
I feel that US Bank failed again to solve a problem that they caused to me. Again I was in the phone for over 1 hour and this entity showed that is not welling to solve this problem.
Product: Credit reporting or other personal consumer reports

I was reviewing my credit report and noticed some inquiries that do not belong to me. 

XXXX XXXX  - XX/XX/XXXX XXXX  XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXXXXXX XXXX Acct # XXXX, XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, have violated my rights. 

15 USC 1681 Section 602A, states I have the right to privacy.

15 USC 1681 604A Section 2, also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information were erroneous.The 3 credit bureaus are required to authenticate this accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting accounts 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 accounts below : XXXX XXXX XXXX Balance : {$2900.00XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$11000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has improperly handled credit report blockage under FCRA 605B. All of my data has been compromised because of your company ( Equifax ) breach. The accounts showing up on my credit file should be block due to fraud. I have filed a report with FTC several months ago and submitted this information to your company to have this issue resolved. The other two major credit bureaus have removed all fraudulent accounts. Equifax is the only company that will not comply with FCRA regulations. According to the Fair Credit Reporting Act ( FCRA ), a credit bureau must block the reporting of any information resulting from identity theft. 

I have attached Proof of Identity, residency, and FTC ID report.
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. 

Account : # XXXX XXXX XXXX In the amount of {$550.00} Account # XXXX XXXX XXXX XXXX  In the amount of {$2000.00} 15 U.S.C 2681 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 1681-2 ( 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: Payday loan

Trying to collect on a debt that I do n't recognize. Reason, I never opened up any accounts in XXXX. Will NOT give me any info, rather just selling this debit to other attorneys with amounts I have never heard of nor recognize.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to the 3 Credit Bureaus last month. And now we are in XX/XX/XXXX and still nothing from them. That means the bureaus have not complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. Remove these following accounts completely from my credit report : Capital One Bank Usa XXXX Balance {$9000.00} Open Date XX/XX/XXXX ; Capital One Bank Usa XXXX Balance {$0.00} Open Date XX/XX/XXXX
Product: Mortgage

When we originally got the loan the interest rate was only suppose to change once a year. Since ditech took over the loan the interest rate is different each month varying from ~3 % to ~5 %. I inquired about it last year and got no response.

I recently inquired again and still no response.

i do not think it is right that they can charge me any interest rate they desire on a month by month basis.

Also, on the original loan we paid for insurance to pay off the loan in case of death.

When they took over the loan that went away and finding appropriate insurance is no longer at a reasonable rate. 
I really don't know what recourse I have other than refinancing the loan. 
Thank you for your assistance.
Product: Money transfer, virtual currency, or money service

RE ; Merrill XXXX No. XXXX Merrill Lynch Has been blocking online accounts when the stocks tank and leave no way for client to protect there money. They make sure that every peony is lost while market goes down. When market falls and money is beyond margin, no new positions can be opened. However Merrill has a trick to make your remaining money disappear. I was bullied and blackmailed by XXXX XXXX by telling me that I am required to put {$100000.00} while I just paid {$120000.00}. When I showed him Merrill web page there was surplus of money while he was making his own numbers. He said the He does not trust web and don't know why it is like this. When company employees do not trust Merrill web site than who should. There could be a scam. It needs a federal Investigation, you will discover a lot and save USA citizens. I still want the financial reparation of XXXX XXXX  for loss of money, loss of time nd XXXX  I developed. Documents attached.
Product: Prepaid card

Woke up today around XXXX XXXX  to my account address being changed and debit card transfers being made without my consent or knowledge. i even locked my card and they still transferred money.i finally was able to change password but it was too late. please help. i need my money back
Product: Credit reporting, credit repair services, or other personal consumer reports

Southern Credit Recovery , INC reported a collection account on my credit report on XX/XX/2020, had no knowledge of the debt that was reported. Received a letter in the mail from Southern Credit Recovery dated XX/XX/2020. The collection was improperly and prematurely reported.
Product: Credit card

On XX/XX/2023, we placed an order through Afterpay, to the company XXXX XXXX, with an expected delivery date of XX/XX/2023. The order total cost was {$300.00}. The order was never delivered on the date above, prompting us to contact the merchant via email the next business day, XX/XX/2023, with no response from the merchant. Ove the next few weeks, we continued to contact the merchant, but was unsuccessful, until recently. After numerous attempts, we asked Afterpay to step in and assist us in the matter, but they refused, stating that they must direct us to contact the merchant directly. Afterpay then, they provided us details where they contacted the merchant and stated that the merchant provided them with tracking details and stated that the order was delivered and signed for. This is incorrect according to the postal service ; they provided us with sufficient proof that no order was delivered nor signed for, in fact after multiple attempts of searching, they could not locate the order. After several other attempts, we finally made contact with the merchant and provided them with all the necessary proof that supports our claim, only for them to deny our full refund and only offered to provide us with a {$20.00} refund. This order through Afterpay has now been sent to collections leaving us with the burden of trying to recover our funds. Afterpay closed the dispute, restricting us from creating a new one for this order.
Product: Credit reporting

I have XXXX medical collections showing on my credit report as " unknown '' creditor. I have notified Equifax on several occasions that these do not belong to me. I have n't been to a doctor or hospital in the past 9 years. Since the creditor is n't listed on my report I ca n't even dispute them with the creditor. This is totally unfair to me because I pay my bills on time and have excellent credit except for these erroneous accounts. It is making my insurance premiums higher, I ca n't apply for credit and it effects my job search.
Product: Money transfer, virtual currency, or money service

I am filing this complaint regarding Zelle 's involvement in unauthorized transactions and its lack of adequate consumer protections, which is highlighted in the ongoing lawsuit. Zelle has become a significant platform for peer-to-peer payments, but its practices fail to align with the safety standards consumers expect from financial institutions. 
This lack of accountability is unacceptable, and it puts consumers like me at significant financial risk. 
Zelle has not implemented effective measures to prevent unauthorized transactions or provide sufficient fraud protection, leaving us, consumers vulnerable to scams. 
When I reported unauthorized transactions, Zelle 's customer support denied liability, even in cases where clear evidence of fraud exists. We the victims are left without recourse to recover our funds. 
I urge the CFPB to investigate Zelle 's practices thoroughly and take action to ensure that the company implements stronger fraud protections and resolution mechanisms, complies with transparency requirements, and holds itself accountable for consumer losses.
Product: Credit reporting, credit repair services, or other personal consumer reports

As a federally protected consumer I am aware of my rights and i am constantly violated by XXXX, Equifax and XXXX. Ive called multiple times to remove these accounts from my credit repost if they can not verify these accounts they have violated 15 USC 1681i ( 5 ) ( A ) ( i ) if 30 days past and information isn't verified it must be removed. 
-Sent dispute letters XX/XX/XXXX and still have errors on my report. 

15 USC 1666b late payments from open ended credit plans cant be reported. 
-Dispute was to remove the late payment which wasn't late but still have not fixed it. 

15 USC 1681 ( B ) must have written permission to furnish on my behalf. 
-Reported multiple items without written request from me 15 USC 1692k ( a ) ( 1 ) allows for any action of damages.

-Have n't been able to purchase a house due to error on my consumer report.

15 USC 1681 ( a ) ( 4 ) right to privacy.

-Did not give consent to repost items to consumer report.

15 USC 1681 ( b ) must follow reasonable procedure s. 
-Sent out unfreeze letter to XXXX multiple times and still wont unfreeze my account. 

15 USC 1681a ( 2 ) ( B ) if transaction authorized by social it can not be reported.

-Items was reported that i used my social to obtain.

15 U.S.C 1681n ( a ) ( 1 ) ( A ) failure to comply will result in XXXX for each violation.
Product: Credit reporting or other personal consumer reports

AS A CONSUMER I AM SUBMITTING THIS REPORT TODAY, THE CREDIT REPORTING AGENCIES VIOLATED 18 USC 1028A, WHICH PROHIBITS AGGRAVATED IDENTITY THEFT. THIS VIOLATION OCCURED WHEN THESE ENTITIES FURNISHED INFORMATION WITHOUT MY CONSENT, INCLUDING THE REPORTS. ADDITIONALLY, THEY HAVE CONTRAVENED Account Name : 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Subject : Request for Immediate Deletion of Closed Accounts from Credit Report in Accordance with FCRA Laws To whom may concern, I am writing to formally request the immediate removal of closed accounts from my credit report, in accordance with the Fair Credit Reporting Act ( FCRA ). Upon reviewing my credit report, I have identified several closed accounts that are no longer accurate representations of my financial standing. These accounts have been fully paid off and are no longer active. 

Under the FCRA, credit reporting agencies are required to ensure the accuracy of the information contained in consumers ' credit reports. Section 611 ( a ) ( 5 ) ( A ) of the FCRA states that information that is inaccurate or can no longer be verified must be promptly corrected or deleted from the consumer 's file. 

Therefore, I request that you remove the following closed accounts from my credit report immediately : 1. XXXX XXXX XXXX Account Number : XXXX Date Closed : Reason for Closure : Terms met account is paid 2. XXXX XXXX XXXX Account Number : XXXX Reason for Closure : Terms met account is paid 3. XXXX XXXX XXXX Account Number : XXXX Reason for Closure : Terms met account is paid Enclosed with this letter are copies of relevant documents, including proof of payment for these closed accounts. I trust that this documentation will assist you in promptly processing my request. 

I am fully aware of my rights under the FCRA and expect the credit bureau to comply with its obligations to ensure the accuracy and fairness of my credit report. Failure to remove these inaccurate accounts may result in a violation of the FCRA. 

I kindly request that you provide written confirmation once these accounts have been deleted from my credit report. Additionally, I would appreciate any updates or information regarding the status of my request. 

Thank you for your attention to this matter. Should you require any further information or clarification, please do not hesitate to contact me at the above-listed contact information. 

Thank you so much for your time.