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

Across my credit report I have several companies who have reported late payments on my reports that were never late. As a general rule I do not make late payments. I have disputed these and to no end have not gotten any results. This needs to be corrected. I have not been 30 nor 60 nor 90 days late or late at all all the following accounts.

DELETE ALL LATE PAYMENTS ON THE FOLLOWING ACCTS : XXXX XXXX XXXX XXXX XXXX {$500.00} XX/XX/XXXX SHOWS NO DATA YET PICKS UP WITH LATE PAYS IN XX/XX/XXXX XXXX XXXX 30 DAYS XXXX XXXX  30 DAYS XXXX XXXX 30 DAYS XX/XX/XXXX SHOWS NO DATA YET PICKS UP WITH LATE PAYS IN XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX SHOWS NO DATA BUT CARD WAS OPEN AND IN GOOD STANDING 2. XXXX XXXX POTENTIALLY NEGATIVE DISPUTE LATE PAYS Account Name XXXX XXXX Account Number XXXX Account Type Credit Card Responsibility Individual Date Opened XX/XX/XXXX Status Open. 
Status Updated XX/XX/XXXX Balance {$51.00} Balance Updated XX/XX/XXXX Recent Payment {$74.00} as of XX/XX/XXXX Monthly Payment {$0.00} XXXX XXXX {$500.00} Highest Balance {$1500.00} XXXX XXXX  30 DAYS 3. XXXX XXXX XXXX XXXX XX/XX/XXXX {$1000.00} XXXX XXXX 30 DAYS XXXX XXXX  30 DAYS XXXX XXXX  30 DAYS XXXX XXXX 30 DAYS 4. XXXX XXXX DISPUTE LATE PAY- THIS ACCT WAS CLOSED BY THE COMPANY IN XX/XX/XXXX HOW WAS I LATE IN XXXX AND XXXX? 
XXXX XX/XX/XXXX {$1600.00} XXXX XXXX 30 DAYS XXXX XXXX 30 DAYS XXXX XXXX 30 DAYS XXXX XXXX 60 DAYS XXXX XXXX 60 DAYS XXXX XXXX 60 DAYS
Product: Credit reporting, credit repair services, or other personal consumer reports

There has never been a XXXX XXXX card or account that is a fact.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account showed XXXX payments late so I contacted XXXX XXXX XXXX XXXX and disputed the charges and late fees as fraud. I received a letter in XXXX XXXX XXXX stating that they found the charges to be fraudulent and would remove them. They did but they didn't remove the late charges. I contacted them an XXXX XXXX and they said they would remove those too. My XXXX showed a drop of XXXX points. I filed a dispute and included the letter from them. The results of the investigation as of XXXX said it contacted them and the debts were mine. This is wrong please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE DISPUTED ACCOUNTS HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THESE ACCOUNTS REMOVE OFF MY CREDIT. THE ACCOUNTS ARE CLOSED AND HAS BEEN PAID FOR IN FULL. FOR YOUR CONVENIENCE, I HAVE ATTACHED A LETTER SHOWING PROOF OF THE AGREEMENT.
Product: Credit reporting or other personal consumer reports

In XXXXXXXX XXXX XXXX, I wrote several letters to the three credit bureaus, XXXX and the Bankruptcy Court requesting that a Public Record be removed from my credit report. I did not give permission to any of these sources to furnish any unverifiable information. The Bankruptcy Court do not report to any credit bureau. Experian, TransUnion and Equifax, are in violation of 15 U.S. Code 1681b - Permissible purposes of consumer reports.

The three credit bureaus improperly reported an alleged Public Record to the credit report that is clearly in noncompliance with recognized METRO2 Reporting Requisites per the CRGG as well as the FCRA and thus damaging my credit. Without being certifiably compliant with METRO2 reporting standards, they are in violation of the required permission to report a single aspect or notation of any alleged accounts, much less a public record that was not even reported to you by alleged Court of Record. I formally contest the reportability of the alleged Public Record.
Product: Credit card or prepaid card

I purchased HVAC systems for {$3300.00} from XXXX XXXX XXXX XXXX on XX/XX/XXXX. During the next few months, I reported malfunction and multiple issues to the vendor but they refused to allow me to return items and issue a refund. I was forced to report to credit card companies : JPMorgan Chase on XX/XX/XXXX for {$3000.00} charged on United Visa card and to XXXX on XX/XX/XXXX for {$310.00} charged to a XXXX Credit Card. After XXXX XXXX full investigation, they resolved the dispute and issued {$310.00} credit on XX/XX/XXXX. JPMorgan Chase continued to deny the dispute after we presented them with a professional inspection and testing report that shows the HVAC systems made by XXXX XXXX XXXX XXXX  do not meet standard heating requirements. We also provided the return tracking and bill of lading that shows the defective HVAC systems were returned and accepted by XXXX XXXX XXXX XXXX. On XX/XX/XXXX, we faxed all supporting documents to JPMorgan Chase United Credit Card dispute department, and on XX/XX/XXXX, a dispute supervisor in their Texas office informed me that JPMorgan Chase continues to deny the dispute and refuses to issue {$3000.00} credit for the returned and defected HVAC  systems. That left me no other choice but to find protection with Consumer Financial Protection Bureau.
Product: Credit card or prepaid card

On XXXX I purchased a XXXX cruise thru Travel agency XXXX. Within two hours I notified XXXX that we were unable to fly to XXXX because of XXXX XXXX restrictions. 

I'm requesting your help settling this matter with a refund or credit. 

On XXXX I purchased a {$1400.00} XXXX cruise ( booking number XXXX ) and Insurance {$160.00} from XXXX 's XXXX XXXX ( XXXX ; XXXX ) for later that month. Within two hours, thru the XXXX website, I learned that my wife and my two covid shots ( 2 each ) were over nine months old and we were considered " unvaccinated " by the XXXX government and thus we were not allowed entry. That same afternoon I notified XXXX XXXX that we were unable to fly to the cruise due to COVID restrictions. After multiple communications with XXXX, XXXX, and XXXX ; no credit or refund. 

I have purchased three previous XXXX cruises with my family and loved our experience. 

I'm requesting your help settling this matter with a refund or credit. 

Timeline and additional details below. 

Thank you XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Timeline & details : XXXX XXXX purchased XXXX cruise, booking number XXXX, for 7 day XXXX with insurance. 
XXXX XXXX our vaccine status doesn't allow XXXX flight reservation. 
XXXX requested refund from XXXX. Advised that XXXX denied refund. 
XXXX Requested insurance refundapproved. 

Requested refund from XXXX cardapproved and then denied. 

Prior to the cruise date upon receipt of confirmation email from XXXX. Called XXXX XXXX to notify them that we are unable to purchase airline tickets to XXXX due to vaccination status. XXXX rep made a note in my record. 

XXXX rejected my request for refund for the second time. 

XXXX XXXX promised refund in two billing cyclesXXXX Service Request # XXXX n't happen. 

XXXX XXXX  rep directed me to only communicate thru XXXX. 
XXXX XXXX XXXX email XXXX promised refund in two bill cycles. Didn't happen. 

XXXX. Email to XXXX XXXX XXXX of XXXX looking into it XXXX. Email XXXX from XXXX XXXX checking with XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : My mortgage company reported that I was 30 days late for my XXXX payment. There were issues with my bank as I was using a new account. The payment had been submitted twice and I was told that it was received ; however, three days later, I received an email ( each time ) stating that the payment wasn't processed. 
After the second attempt I submitted a payment via another bank and the payment was processed on XXXX. I called my mortgage company ( as I have been told that I am a valued customer and I have not had any late payments in over a year ) and ask them to rescind the late notice as my credit score dropped almost XXXX points and they refused. 
I also mailed the request in writing. 

Thank you
Product: Credit reporting or other personal consumer reports

my social was stolen and has been used to apply for infomation i have unathorized inquiries on my account that do not belong to me and and accounts that have NEVER been mine and are reporting on my credit profile I have a brand new are not mine INQUIRIES - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - WAS NEVER MINE
Product: Credit reporting or other personal consumer reports

I am a victim of Identity theft and debt bondages and would like for all listed accounts to be deleted from XXXX XXXX. XXXX, XX/XX/year>, XXXX XXXX.
Product: Credit reporting or other personal consumer reports

The Fair Credit Reporting Act states that the only permissible purpose for pulling one 's credit report is for : Firm Offer of Credit , Insurance, Employment, Court Order I have not authorized any of these companies to get a copy of my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX By allowing this inaccurate information to be reported is a clear VIOLATION of the Fair Credit Reporting Act Section 1681b ( c ) : Transactions Not Initiated by Consumer. If the original creditor can not PRODUCE evidence to contradict my suspicion that FCRA 1681b ( e ) was violated then it will clearly indicate that said creditor was not LEGALLY authorized to view my consumer credit file. I am confident that if METRO 2 COMPLIANT EVIDENCE is not produced, that any court as well as the FTC and CFPB will see this violation a just that, a VIOLATION of the Fair Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

" Someone and some financial agencies are trying to access my credit data. I am reaching out to kindly request the processing of my opt-out request as soon as possible with XXXX XXXX XXXX Please prioritize this matter for prompt action. I have tried to email them, at Innovis Consumer Assistance XXXX XXXX XXXX XXXX, GA XXXX But I am not getting any response or completion of my request. I ahve also submitted the Innovis Credit Report Request Online form and NO SUCCESS. 
"
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern XXXX XXXXXXXX. XXXX XXXX XXXX, CA XXXX Experian XXXX. XXXX XXXX XXXX, TX XXXX XXXX XXXXXXXX. XXXX  XXXX XXXX, GA XXXX PLEASE UPDATE MY PHONE NUMBER TO MY CREDIT REPORT : XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX To Whom It May Concern : This letter is a formal request to correct inaccurate information contained in my Credit Reports. The item ( s ) listed below are as follow : Please update to the correct address XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXXI HAVE BEEN LIVING THERE SINCE XX/XX/XXXX Have enclosed a copy of two bills PLEASE UPDATE MY CURENT ADRESS ADDRESS : XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX Requested Correction : please update all info to my correct info I have sent all evidence to support your claim ] In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, correct ] any and all the item.

Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes.

Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months.

Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. Failure to do so will result in a complaint being filed with the Federal Trade Commission I have also enclosed a bill with my Name and current address. 


XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed and called to remove this accounts that I had no knowledge of and that are still on my credit
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concern regarding Zelle. In particular the recent cfpb lawsuit highlighting significant issues with the company
Product: Mortgage

On XX/XX/2020, California XXXX XXXX XXXX issued a shelter-in-place order to fight the spread of XXXX. 

On XX/XX/2020, XXXX  XXXX XXXX announced a Major Financial Relief Package : 90-Day Mortgage Payment Relief During COVID-19 crisis. 

On XX/XX/2020, I called Bayview Loan Servicing LLC notifying the servicer that California was placed on a statewide shelter-in-place order effective immediately as of XX/XX/2020. Therefore, as a self-employed individual who is NOT classified as a essential service provider I can not work. Since, I can not continue to be gainfully employed and earn a wage and do not have the luxury of working from home. I NEED ASSISTANCE ... My business requires in-person contact and can not be performed remotely. I specifically asked for 90-day mortgage payment relief during the shelter-in-place order from the XXXX of California. I was assured by the customer service representative that I would be placed in the forbearance program agreed to by Bayview Loan Servicing and the State of California. The Bayview customer service representative also read and confirmed that the 90-day grace period for mortgage payments was being offered to me. Secondly, no negative credit impact would result from this relief. Third, I would not be pressured to make payments and late fees during this time will not be incurred. Fourth, that there would be NO notice of default, initiate any foreclosure proceeding against my property. Finally, I was told that there would be NO fees or charges incurred from this program. 

On XX/XX/2020, I called Bayview Loan Servicing to follow-up on the forbearance request. No response. 

On XX/XX/2020, I called Bayview Loan Servicing to follow-up on the forbearance request. Office closed for the weekend. 

On XX/XX/2020, I called Bayview Loan Servicing to follow-up on the forbearance request. Spoke with Customer Service representative named XXXX. I asked for confirmation that I was placed on the forbearance program. She was more concerned with contact information for collections. I requested multiple time for verification that I was being placed on the forbearance program and that Bayview Loan Servicing will not attempt to file a Notice of Default ( NOD ) or proceed with any foreclosure procedures. After listening to C/S XXXX delayed and scripted responses, she told me that she would look for any documentation that could be provided to me as borrower. The documentation that I requested was confirmation that I was included on the forbearance program. I was placed on hold for approximately 30 minutes to an hour. She eventually came back online but hung-up immediately without speaking or providing the information requested. 

On XX/XX/2020 I received three ( 3 ) calls from Bayview Loan Servicing demanding payment and late fees because payment was past due for the month of XXXX. 

Based on the agreement secured by California XXXX XXXX  with several financial institutions and Bayview Loan Servicing 's decision to participate in the program, I should be included in the forbearance program, and NOT receiving harassing collection calls from Bayview Loan Servicing.
Product: Checking or savings account

I have called and contacted navy federal numerous times. They closed my account but never gave me any information why. They said it was due to fraud which I have no idea how when I got my account access number from my sister. I opened my account and had it for months before navy federal all of a sudden with no notification closed my account and when I call they will not give me any information on the details of why my account was closed. They still send me monthly statements of my account balance but will not let me into my account
Product: Debt collection

Diversified Adjustment Service , INC . 
XXXX XXXX XXXX XXXX. 
XXXX XXXX, MN XXXX XXXX I received an email alert from XXXX XXXX that a company named, Diversified Adjustment Service , INC. had reported a debt from XXXX. 

On XX/XX/2019 I called the company and explained that the my phone was returned and paid in full. On XX/XX/2019 @ XXXX XXXX I sent an e-mail to a representative of Diversified Adjustment Service, INC. giving them proof of my paid receipt from XXXX. 

At the end of XX/XX/2019 I called Diversified back because it was still on my credit report. The representative said XXXX had not responded back yet. I called back towards end of XX/XX/2019, and the representative said the same thing. 

I have my original paid in full receipt from XXXX, which I emailed to them. I would like help in resolving this because Diversified is not removing it from my credit report even though it has been over 60 days since they notified XXXX with no response from XXXX.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( 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 ar address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution proces 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 card or prepaid card

Hello I was accepted to unemployment a month-and-a-half ago this card was sent to me through usbank I activated the card I seen days later that there was a balance of XXXX as of today I have tried to use the car online I've tried to use the card at the ATM at the bank and all it keeps telling me is I need to contact customer service I spent a total of six and a half hours on hold with usbank and I'm still not getting an answer not even through email nothing! So that is my only source of income at the moment and I've not been able to touch {$1.00} of it and no excuse as to why I have no food I have no money I have sold my vehicle to get by for the last 2 weeks and these people obviously don't care there's no excuse why I can not get my funds out of that account I was accepted I was approved it's my money I can't even transfer it they've locked me out of the account totally saying that I put in wrong passwords or emails I did not put in the wrong password to emails I've been very organized about this please
Product: Debt collection

Wells fargo continues to send the same response not answering any questions se ding valid proof of accounting records and book keeping. They remain in default and will remain in void untill litigation occurs. Your contract is null and void, and you have been paid for the account 5 times with tenders of payment and refuses to accept form of payment. They are committing fraud as described in the affidavit of truth please send this correspondence to your legal department I won't no further communication with Wells Fargo complaint department. Also please send over the lawyer contact information so he can be forwarded the legal documents
Product: Credit reporting, credit repair services, or other personal consumer reports

Checking a credit report that's supposed to be associated with me and my personal business. I come across some hard inquries that TRANSUNION refuse to remove with my oral and written consent per 15 USC 1681 d ( 1 ) & ( 2 ) and request serveral times. I gave the bureau applical evidence and findings. 

PERMISSIBLE PURPOSE MEANS : EMPLOYMENT INSURANCE COURT ORDER FIRM OFFER OF CREDIT *** THIS IS STRAIGHT FROM TRANSUNION WEBSITE*** & FCRA Permissible Purpose Compliance Notifications Permissible purpose is defined in Section 604 of the Fair Credit Reporting Act ( FCRA ). [ 15 U.S.C. 1681b ] In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury.

In accordance with the written instructions of the consumer to whom it relates.

To a person which it has reason to believe intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer ; or intends to use the information for employment purposes ; or intends to use the information in connection with the underwriting of insurance involving the consumer ; or intends to use the information in connection with a determination of the consumer 's eligibility for a license or other benefit granted by a governmental instrumentality required by law to consider an applicant 's financial responsibility or status ; or intends to use the information, as a potential investor or servicer, or current insurer, in connection with a valuation of, or an assessment of the credit or prepayment risks associated with, an existing credit obligation ; or otherwise has a legitimate business need for the information in connection with a business transaction that is initiated by the consumer ; or to review an account to determine whether the consumer continues to meet the terms of the account.

I understand 15 USC 1681 ensures me These inquries have no permissible purpose to be in a credit profile that I dO NOT HAVE ANY ACCOUNTS WITH. 

1. XXXX  XXXX XXXX XX/XX/2022 2. XXXX XXXX XX/XX/2022 3. XXXX XXXX XXXX XX/XX/2022 *** XXXX FOUND NO RECORDS OF THESE ACOUNTS AND DELETED THE INQURIES. 

4. XXXX ACCOUNT # XXXX. UPDATED TO ''PAID AS AGREED '' LIKE XXXX XXXX XXXX XXXX SHOW YOUR PROOF OF ME NOT PAYING THIS ACCOUNT OFF.
Product: Credit reporting or other personal consumer reports

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