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

My account with ( 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 ( MONTHS REPORTING LATE ) 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 XXXX XXXX ) Never Sent the periodic statement along with the disclosures from section XXXX ( 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: Debt collection

I received an suspicious alert about a charge on my account from Regional Acceptance ; I was told the charge was for a auto payment under an account for a vehicle that I do not own ; After much research I was able to track down the fraud department- This company has allowed their customer to fraudulently use my account to pay their auto payment. The merchant is aware of the customer and keeps referring me back and forth to the bank. My local bank also agreed that the charge is fraudulent and sent me back to the merchant to request a full refund of the charges. 
I do not have an account with this company I do not have a vehicle with this company I do not have a vehicle with any balances I own my own vehicle out right. 

I spoke to several reps and provided my name, my address, and the last four of the debit card that was used. The merchant were able to verify that I have no association or debt with this company and admitted they are aware another customer made the fraudulent charges using my debit visa card yet they have not done anything to resolve the issue and reverse the charges. I need this corrected. However, no one has been able to help me and I don't know who to speak to or what to do. All I know both the bank and the merchant agreed that these charges were fraudulent and not created by me. The police report ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) is already in process but it takes time to have the physical copy in hand. However, it should not take additional time to refund the money back to me especially if you have already admitted that this person committed fraud/identity theft. 

This needs to be resolved immediately. 
This person has depleted all funds in my account I am a single foster parent who fosters children and I am required to provide the highest level of care, food and shelter. 
This is not right. I've already cancelled the card. 

Charge Date XX/XX/2023 Charge Posted XX/XX/2023 Charge amount : {$660.00} Currently Cancelled Card Used : Last four of the card # XXXX
Product: Credit reporting, credit repair services, 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I have  XXXX  credit inquiries from  XXXX   XXXX   XXXX . I authorized the pulling of my report in  XXXX   2017 . I did not authorize the subsequent pulling of my credit report after  XXXX   2017 , yet there are  XXXX  more inquiries appearing on my credit report. I have asked  XXXX ,  XXXX  and Equifax to remove these inquiries and they have refused to do so even if I did not authorize it. None of the agencies can prove that I provided consent because I did not, but even so, they refuse to remove it from my credit report which adversely affected my credit score and ability to obtain a home mortgage.
Product: Mortgage

This is a second complaint I am filing about Dovenmuehle Mortgage Company. Previous complaints # XXXX. 
Instead of clearing the problem they created they have now sold my mortgage to another company. The XXXX XXXX  XXXX is issuing an refund to Dovenmuehle for taxes that they paid after I already did. 
I am still paying Dovenmuehle & now the new mortgage company XXXX XXXX over $ 3200 monthly till the payment is received from the XXXX XXXX XXXXXXXX to Dovenmuehle. Who will send to new mortgage company. It now becomes the new mortgage companys problem according to my last communications with Dovenmeuhle. I received mortgage transfer notice on XX/XX/XXXX which states XX/XX/XXXX is the transfer to XXXX XXXX. 
I have asked multiple times to remove escrow account which the mortgage never had. This is causing my monthly payment to over {$2200.00} extra these last 3 months. I then have to get my refund from the new company I was told today.
Product: Debt collection

This complaint is related to existing complaint # XXXX, and its a revision to complaint # XXXX. XXXX XXXXXXXX XXXX outsourced a debt collection to P & B capital on their behalf, I attached the original collection letter that was dated XX/XX/XXXX. 

I have listed the 3 problems below!

1. As you can see in the letter it has complete XXXX XXXX listed as the current creditor. Complete XXXX XXXX has never lended me credit, they are a debt collector not a credit lender. 

2. I have attached the debt verification letter that I sent back to P & B capital and XXXX XXXXXXXX XXXX on XX/XX/XXXX. NO VERIFICATION WAS EVER COMPLETED OR SENT by either company which is documented in the original complaint # XXXX. THE FAIR DEBT COLLECTION PRACTICES ACT 809 ( b ) clearly states after ignoring a written request to verify the debt which they have 30 days, they can no longer continue to try and collect on that debt.

3. THE FAIR DEBT COLLECTION PRACTICES ACT 809 ( b ) also states after receiving a written dispute the collector must stop collecting on the debt until verification is received. XXXX XXXXXXXX XXXX also violated this act by reporting a negative debt on my credit reports on XX/XX/XXXX. 

I spoke with a woman this morning XX/XX/XXXX from XXXX XXXXXXXX XXXX via phone call. She confirmed that they were using P & B capital to collect this alleged debt for them, this means the same rules and timeline that apply to P & B also apply to XXXX XXXXXXXX XXXX. P & B capital has still yet to respond to CFPB complaint XXXX regarding this matter, which they are legally obligated to. XXXX XXXXXXXX XXXX and their hired partner P & B capital have broken multiple rules and are continuing to act as if they are immune to the law.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation. These are the accounts I've marked as inaccurate : XXXX XXXX XXXX XXXX, XXXX XXXX XXXXk XXXX, multiple inquiries from XXXX XXXX
Product: Debt collection

They are trying to tell me I owe {$2500.00} and I dont XXXX XXXX was the original I worked there for 2 months and left for medical issue to where I couldnt drive anymore and they are trying to say I need to pay this amount because I didnt complete 6 months they are not giving me options or anything on it I dont owe it want it removed from my account
Product: Credit reporting or other personal consumer reports

I am writing to dispute and request an update to my personal information in your records. I recently obtained a copy of my credit report and discovered that some of the personal information listed is inaccurate or outdated. I kindly request that you investigate and make the necessary updates to ensure the accuracy and integrity of my credit profile. 

Please find below the specific details of the incorrect or outdated information : XXXX. Name : My current legal name is Name : XXXX XXXX XXXX. I request that my name be updated to reflect the correct information. 
XXXX. Also Known As : XXXX  XXXX. Date of Birth : XX/XX/year> Update this information. 
XXXX. Address : My current residential address isXXXX XXXXXXXX XXXX XXXX, OH XXXX. I request that my current address be updated accordingly. 
XXXX. Previous Address ( es ) : XXXX XXXX XXXX XXXXXXXX XXXX, OH XXXX XXXX. Employers : XXXX XXXX XXXX, be updated as my primary employer.
Product: Credit reporting or other personal consumer reports

Unauthorized inquiries on my consumer report, I do not recognize these transactions nor have I been supplied proof of signature of me giving any proof of these inquiry transactions, everything on the consumer report needs to be 100 % accurate. I demand these to immediately removed or I will use my consumer rights and file for {$1000.00} per violation 15 USC 1681n- Civil Liability For Willful Noncompliance!
Product: Credit card or prepaid card

In XX/XX/2018, I took an XXXX trip from XXXX XXXX XXXX to my home, and was charged {$130.00} instead of {$58.00}. The {$130.00} XXXX charge did not appear on my Bank of America credit card bill until 42 days later ; and it should have been only {$58.00}. The SAME DISTANCE, reverse trip, which occurred 1 week earlier, cost {$58.00} ; so there is no way that this trip should cost {$130.00}. I disputed the excess ( {$74.00} ) with Bank of America, and they resolved it by offering a courtesy credit of {$37.00}. Therefore, this dispute concerns the amount of {$37.00}, for which I should not have to pay Regards, XXXX
Product: Debt collection

Comenity Capital Bank threatened to and then did report debt causing multiple negative hits within one week to my credit report at multiple agencies while already accepting debt relief management for hardship program over a {$50.00} past due amount.
Product: Credit reporting, credit repair services, or other personal consumer reports

This should serve as a written notice to Chexsystems that XXXX XXXX XXXX wish to put a security freeze on any information on my account.
Product: Checking or savings account

In XXXX of 2023 Wells Fargo closed my bank accounts 2 checking, 1 savings account I am being told it is due to me being a risk for filing to many claims. However here we are in XXXX and I am receiving checks from Wells Fargo due to these claims settling in my favor. But yet Wells Fargo is informing me I am a risk. As my finical institution I tried to work the issue out with the 3rd party but was unsuccessful in doing so. As my financial institution to safe guard my funds and protect my assets I filed claims to have the bank step in and obtain my funds. According to my bank agreements etc I did no wrong doing. I previously filed a claim so I can open an account. I was informed from the executive office I am able to do so but have been unsuccessful in doing so. Also since the closure of my accounts with Wells Fargo I have been receiving numerous letters and checks stating after an account review they determined that an error on their end occurred with the claims.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act 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's also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Mortgage

Bank of America filed my neighbor 's mortgage against my property ( they input the wrong legal description ). 
I am now unable to sell my home because the title is not clear. We have been trying to clear this up since XXXX ( 3 months ago ). My neighbor has contacted the bank on numerous occasions. The realtor has contacted the bank numerous times. We have had a lawyer contact them. BOA claims that they are taking care of this, but we are not seeing any response. 
I already had one set of homebuyers back out on purchasing the house because of this and am about to lose a 2nd set of home buyers.

Please help!!!!!
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted and multiple FTC Reports regarding the account that do not belong to me. 


Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX  XXXX XXXX Account number:XXXX Account name : XXXX XXXX XXXX Account number:XXXX Account name : XXXX XXXX XXXX XXXX  Account number:XXXX Account name : XXXX Account numberXXXX
Product: Student loan

I can not get my payment low enough to be realistic no matter what type of repayment plan i select. I make just about XXXX a year and when I choose income driven plan they are expecting me to pay ~XXXX a month. This doesnt factor in my other types of loans. After taxes i take home about XXXX a month .. XXXX goes to rent. XXXX to car payment. XXXX to car insurance. Then I have to add in healthcare cost, utilities and just simply being able to FEED myself Ive bene struggling with these loans since I first graduated and no matter what I do they come back with some outrageous number they want me to pay a month that I simply can not afford. Their response to this is to suggest deferment .. which only ends up increasing the loan balance. They 've already wreaked havok on my credit score. I just really do not know what to do.
Product: Prepaid card

I was getting ready to travel to the XXXX for work and was told best thing to do was to get a prepaid card to travel with I then got an American Express serve card. Money was then deposited into account. I started receiving emails about transactions being made went online and ATM card was used a total of XXXX dollars gone. I called immediately and reported this I was told I would not be responsible for the charges and would be issued a credit within XXXX7 days of investigation within XXXX3 days I received an email stating my dispute was declined I was in XXXX with no funds and no help. I 'm not sure what type of investigation was done that fast. I then went online to look into reviews on this card and nothing but negative reviews. I will never use this card again and to be stuck in a foreign country with no help was the worst feeling
Product: Credit reporting or other personal consumer reports

I am formally disputing the following negative items on my credit report : XXXX XXXX XXXX XX/XX/year> {$250.00} XXXX XXXX XXXX XXXXXX/XX/year> {$530.00} These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming.

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.
Product: Credit reporting

This is the 2nd time I have filed a complaint against Transunion. As usual the first time they did NOTHING that I requested for dispute resolution when I contacted this agency. All I asked for a reset of the credit history, since I knew they were violating US law. 

They did NOTHING of the sort and I know they did n't check all of the disputed items You got played like a fool but hey whats that saying good enough for government work? They sure did n't delete, anything acknowledge anything, nor erase what I asked them to as a clean credit history.
Product: Debt collection

On XX/XX/31 I received a voice mail from a man that never stated what company he was with and threatened legal action. A few minutes later my father called and said my mother received the same voice mailx then the receptionist at work came in my office saying the same thing. I called the number back and the lady that answered would not give me a name of the company she was with. She stated my case was being processed to file suit against me on behalf of Ace Cash Express. She gave me an outrageous amount yet gave me an offer to settle out of court. 
She stated that once it was filed I " would be located and prosecuted ''. This intimidation and calling my family and work is beyond unacceptable.
Product: Credit reporting, credit repair services, or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX  XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX
Product: Credit card or prepaid card

I purchased 2 floor sweepers from XXXX XXXX XXXX for a total of {$2000.00} on XX/XX/2018. My credit card was charged immediately but I never received the sweepers. They were alledgedly shipped by XXXX XXXX and signed with a unreadable signature that the driver wrote in as XXXX  ; we have nobody of that name working here. The XXXX company was of very little help and said it was not their problem. After contacting both merchant and XXXX XXXX to no avail I contacted mu Citi Visa to dispute the charges. They came back and denied my dispute because they said someone signed for it. This is just not right on my part as they should at least standby me in a case like. That is why I am filing this complaint now against Citi visa to credit my account for merchandise that I never received. I will follow with more additional info attached.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cashapp ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution proce was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, I sent letters regarding inaccurate and unknown items on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate items within 30 days give reason to immediate remove these items from my credit report. It has been well over 30 days so the should be deleted promptly. I demand these accounts be deleted immediately or I will file litigation due to the stress you caused. My information was also impacted by Equifax data breach and may have got into the hands of the wrong person.
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 TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the fair credit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXXXXXX XXXX XXXX XXXXXXXX