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

Best Buy / CIti is reporting late payments from 2018. I had originally became XXXX in 2018. When i call nest buy they say they have no record of me being late. Citi says otherwise from 2018. If you can see through my payment record history. i have never been late or have ever missed a payment. I need this to be removed immediately. It is heavily affecting my score that i have month after month keep in great standing.
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 name : XXXX XXXX XXXX Account # 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 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
Product: Checking or savings account

Capital One app popped up mentioning a transaction of {$150.00} from XXXX XXXX was approved at XXXX XXXX on XX/XX/year>. I didn't make any transactions whatsoever. Contacted Capital One in the morning to dispute the transaction and get a new card. The rep and supervisor mentioned I MUST ALLOW the pending transaction to go through and dispute it once posted! I tried to close the account and was denied until transaction goes through. I then called XXXX XXXX to see if they can cancel the fraudulent transaction. They mention that they can't see any transaction with the last 4 digits if my card because it's still pending or cancel pending transaction unless I have order number or email address of the order number, which obviously I do not have!
Product: Mortgage

Found for deeds put on my mortgage from the time I got my loan they stated I will have a VA loan. The loan was sold two days later and it was sold two more times to different lenders. My problem is they took my equity ahead of my home payments they were made, they cant account for I found the other loan number, but they couldnt find either which is all my credit report with XXXX will have my loan down as adjustable rate and as always been a VA loan from the beginning XXXX dated XXXX XXXX ended end XXXX and that was the loan that Wells Fargo said they didnt know anything about but Im looking at my credit report. They have it there on also in public records. They have four deeds on my loan from XX/XX/XXXX from my military VA loan he transferred that in two days and XX/XX/XXXX got three on that going back to back constantly taking my equity from my home
Product: Mortgage

I am seeking a Release of Mortgage. 

I have a XXXX old second mortgage made through XXXX XXXX XXXX XXXX It was my understanding through numerous discussions with XXXX  XXXX XXXX that this loan was bailed-out during the mortgage crisis beginning in 2008. Subsequent phone calls to XXXX legal dept, I was told it was " written off. '' I made a previous complaint through this application to XXXX  XXXX XXXX to provide information about this second mortgage. Through this CFPB process, XXXX  XXXX XXXX provided that they had service-released this mortgage to Carrington Mortgage . 

Carrington Mortgage stated on the phone during conference calls on XXXX different occasions- with XXXX, XXXX XXXX ; XXXX XXXX, XXXX XXXX ; XXXX XXXX XXXX, XXXX XXXX, that the did NOT have this second mortgage, never had this loan, have no information on this loan.. 

I can not find a way to solve this XXXX problem. This old second mortgage is still on my official records of XXXX XXXX, Florida. It has not been assigned, it has not been transferred through MERS, it does not show up on my credit report ( never has ). 

I want to get this mortgage released off my record. I need to see if XXXX can help me. They provided a Satisfaction of Mortgage a couple of years ago when I paid off my first mortgage. 

I am a XXXX yr old woman who has serious health problems. I want to get this resolved so this mortgage disaster caused by XXXX et al, does not pass through to my kids. They don't have the legal, real estate and mortgage education and background that I have. I want to solve this problem before I die.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm having difficulty accepting this issue and it's affecting my ability to sleep. I urge you to update my account immediately as I have always made timely payments, and this is causing me a lot of XXXX
Product: Debt collection

I had a storage with XXXX  XXXX  I gave him a notice and I moved out half a month earlier and my closing statement and everything was paid for and I was never late with them I dont know why they have sent me to collections Now this shows on my credit report and Im having difficulties renting an apartment
Product: Credit reporting or other personal consumer reports

COMPANIES ARE REPORTING INACCURATE AND/ OR FRAUDULENT INFORMATION AND CLAIMING THAT THE INFORMATION IS VERIFIABLE. I HAVE DISPUTED THESE ACCOUNTS AND/OR INQUIRIES NUMEROUS TIMES AND VERIFIED THAT THEY DO NOT BELONG TO ME
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX was never late! I have had exceptional payment history with XXXX 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 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 that are reported 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 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: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle filed 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 consumers safety.
Product: Vehicle loan or lease

On XX/XX/2023, I visited PNC BANK to extend credit in relations of purchasing an automobile. I informed the teller that I wanted to first deliver my disclosures, and to exercise my Rights under 15 USC 6802 ( b ) before completing the credit application. I explained that I was opting out from having all non personal information of mine being shared with any non-affiliated third parties. The teller then informed me that I would not be able to complete this transaction because its company policy that my non personal information will be shared with non-affiliated third party 's. The teller informed me that it is company policy to share my non personal information to the consumer reporting agency 's, which are non-affiliated third parties to this transaction. At the conclusion of this conversation, I Informed the teller that it is my federal Right to opt out from having my non personal information disclosed and I should not be denied the opportunity to do business with this financial institution because I have exercise this Right. The teller stated that he is sorry, but he must uphold and follow company 's policy first. I then informed him that company policy is not law, nor does company policy trump/supersede federal law. I was then asked to leave the facility by the teller and I was escorted outside by the security guards. CFPB, please assist me in this matter, I was denied services because I chose to exercise a federal Right under law. A consumer should not be denied service because they're choosing to exercise their Rights, this is discrimination. Please help assist, Thank you.
Product: Debt collection

I consumer XXXX is filing a complaint against company Financial Data Systems for reporting two alleged debts on my consumer report that I have no idea about. Financial Data Systems did not send me the consumer any communications regarding these alleged debts before reporting such negative remarks on my consumer report. Furthermore, the company Financial Data Systems has not validated this alleged debt pursuant to 15 USC 1692g. These alleged debts has damaged my consumer report where I am not able to get approve for a business loan for my business. My business i say family 's livelihood and Financial Data Systems putting my family at risk. I am demanding that Financial Data Systems delete these negative remarks from my consumer reports emediately.
Product: Credit reporting or other personal consumer reports

You are reporting this collection as an OPEN ACCOUNT which is not under FCRA compliance. This is inaccurate reporting and needs to be removed immediately. Please send me a copy of my credit report when the above deletion has been removed.
Product: Credit reporting or other personal consumer reports

On XX/XX/2024, I submitted/ mailed and a letter to these companies letting them know they were reporting inaccuracies/inaccurate information concerning late payments, I also requested validation of the late payments, and how they verified these late payments, over the past the past year I have made subsequent attempts to have these late payments reasonably investigated in accordance with both the Fair Credit Reporting Act and Fair Debt Collection Practices Act.
Product: Debt collection

Ive received a bill from XXXX XXXXXXXX dated XX/XX/XXXX regarding a day clinic treatment at XXXX XXXX XXXX XXXX XXXX during XXXX on XX/XX/XXXX. At the time I was covered by a medical insurance. Although that I told the doctor in the clinic that I dont have much money and Im not in a position to financially afford a large bill, he run all the possible test to make as much money possible out of me. The cost of treatment for the visit mounted up to {$2700.00}, and after adjustments {$920.00}. When I provided the hospital with my insurance the bill went down to just above {$300.00} of which I paid XXXX installments of {$30.00}. However, after a while I received a letter from debt collectors because I stopped paying. I made the outstanding balance. This was over a year ago. Over a week ago I received the bill with original amount of {$920.00}. So, the hospital is asking to pay the same bill twice. The Hospital visit Account # XXXX.
Product: Checking or savings account

I WILL BE SUBMITTING THIS COMPLAINT TO XXXX, XXXX, AND USAA. THIS IS SO ALL PARTIES ARE AWARE AND HAVE MY PERMISSION TO RESOLVE THE ISSUE. It has been XXXX years and XXXX/XXXX  have not properly investigated the problem they have requesting funds from my bank account. I have multiple XXXX  accounts that have no issues receiving payments, so I thoroughly believe that the problem lies with XXXX. The problem is that the XXXX funds are held by XXXX, so they continue to blame each other. I had made a compromise four years ago in order to make my payments and have done so on time until XXXX changed their system. This permanently removed my account an ability to make the payment online. I do not receive a paper bill for this account. I have made payments over the phone, but those also get rejected by the XXXX system. I have asked to use my debit card as a form of payment, but they only allow that once. Most recently XXXX made a change in their system so I could have my bank account linked. I did so and made a payment. They claim my bank informed that I implemented a stop payment. I DID NOT.! This is the problem. The request NEVER MAKES IT TO MY BANK! The following is the response from USAA from XXXX. It indicates that their isn't a problem with my account and XXXXXXXX  would not provide the documentation requsted to resolve the issue. Date of response : XX/XX/XXXX We are responding to the concerns about the USAA Federal Savings Bank ( FSB ) which you outlined in your correspondence to the Consumer Financial Protection Bureau, regarding XXXX debits from your checking account. Per our records, Petty Officer  XXXX contacted us on XX/XX/XXXX, stating that the FSB rejected XXXX XXXX XXXX House debits from the checking account ending in XXXX. A Member Service Representative explained that there were no rejected debits in the recent account activity, and the matter was closed. On XX/XX/XXXX, you advised that the payments were returned between XX/XX/XXXX and XX/XX/XXXX, and your concerns were escalated for further review. XXXX XXXX, of our staff, conducted a thorough evaluation of the account history between XX/XX/XXXX and XX/XX/XXXX. She found no restrictions on the account that would cause returned payments, no non-sufficient funds fees indicative of returned payments, and no negative balance ; therefore, she concurred that there were no records of returned payments to XXXX XXXX. XXXX XXXX contacted XXXX XXXX  to obtain supporting documentation from them for the alleged returned payments. XXXX XXXX, currently the FSB does not have enough information to pursue a resolution, as we are awaiting additional information and documentation from XXXX   XXXX. If you have additional questions, XXXX XXXX remains available to assist you. Thank you for this opportunity to respond to your concerns.
Product: Debt collection

I have notified credit systems international, a debt collector of XXXX XXXX XXXX, as well as XXXX XXXX XXXX directly, regarding an account they opened for an individual ( s ) that fraudulently obtained and used my personal information that I do not know and have never known. I have filed a police report and sent the fraud packet they requested to them via mail and never heard back. I have disputed the debt repeatedly on my credit report and they continue to report negatively on my credit and call and harass me for the debt that I never authorized, and they did not validate properly. I am at my witts end with this company. I had perfect credit before this identity fraud and am now unable to purchase a home with my husband for a fair rate that I deserve because they refuse to do the right thing and remove the reporting from my credit. On top of that, I have been denied credit with many financial institutions due to the impact of this collection, which I should not be held responsible for. I believe the company should be made whole for this debt, but they should purse the individuals at the addresses they offered services to in another city, and not me. I will never do business with them in the future due to the way they have treated me throughout this process, an innocent XXXX party of this debt.
Product: Debt collection

Southwest Recovery is trying to collect on XXXX debit that is due to identity theft. They claim I opened an account on XX/XX/2020 and have collections for {$5000.00} they have not provided me with anything when I called and told them I am a victim of identity theft. They have shown gross negligence when handling the issue. They have not provided me with anything. 

The information needs to be more accurately reported and listed. The collection agency has never once provided me with any information regarding this debt, its origin, or another history. I received nothing via mail, nothing from an attorney, or any other mailed document regarding this item. I am disputing under the grounds of inaccurately reported information as outlined in the Fair Debt Collection Practices Act specifically to information illegally listed without documentation. I have disputed the information on those grounds. I am asking this agency to place this complaint on the record and to assist in overseeing the collection agency in fulfilling its compliance with my request. I am prepared to seek legal redress for this activity and respectfully request that this complaint be placed on the record.
Product: Credit card

I have consistently ensured my payments are made on time, with no instances of being late. It is entirely unacceptable to see late payments noted on my account, and I vehemently request that you promptly correct this mistake. Please take immediate action to rectify my account and guarantee its accurate reflection of my payment history.
Product: Vehicle loan or lease

Regarding Complaint # XXXX Company has failed to refund down payment XXXX {$2000.00} as stated and promised on XX/XX/2023 through the complaint request form on CFPB website.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # 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 also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Bank account or service

I had an account with Bank of America between XXXX and XXXX. I closed my account in XXXX. As background : In XXXX, Bank of America unilaterally re-opened my account without my consent or knowledge, accepted EFT transfers from my previous employer ( who had sent them to BofA in error ) and then reactivated my auto bill-pay settings and disbursed money from my account - all without my knowledge. 

I have not had an account with Bank of America since then. This week ( XXXX XXXX ) I received a customer email from Bank of America advising me about new services for account holders. I just called Bank of America today to ask why I 'm receiving emails. The customer support representative informed me that BofA never fully closed my account. 

I have not had access to any BofA account for years. I have not used their services for years. No BofA account appears on my credit reports - but somehow, BofA is continuing to operate an account in my name. Please advise if there is a way to force a bank to close an account.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXXXXXX XXXX .... 
Balance : {$0.00} ; XXXX XXXXXXXX XXXX .... Balance : {$2400.00} ; XXXX XXXX  XXXX XXXX .... Balance : {$1200.00} ; XXXX XXXX XXXX XXXX XXXX .... Balance : {$510.00} ; XXXX XXXX XXXX XXXX XXXX .... Balance : {$570.00} ; XXXX XXXX XXXX ( Original Creditor Name EXXXX XXXX ) XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$100.00} ; XXXX XXXX XXXX ( Original Creditor Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$150.00} ; XXXX XXXX XXXX ( Original Creditor Name XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$190.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$520.00} ; XXXX XXXX Balance {$0.00} ; XXXX ( Original creditor XXXX XXXX XXXX XXXX XXXX XXXX Balance {$71.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX, XXXX ; XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX Date of request XX/XX/XXXX ; XXXX XXXX XXXXXXXX Date of request XX/XX/XXXX ; XXXX XXXX XXXX request XX/XX/XXXX ; XXXXXXXX XXXX Date of request XX/XX/XXXX ; XXXX XXXX XXXX Date of request XX/XX/XXXX ; XXXX Date of request XX/XX/XXXX ; XXXX XXXX, XXXX XXXX on XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX  Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX XXXXnquired on XX/XX/XXXX ; XXXX  Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX of 2022, I sent a letter to the courthouse asking do the report bankruptcies to the credit bureaus and I got a letter stating They do not report any bankruptcies to anybody. So if thats the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

They also violated my rights numerous times. 

The credit bureaus violated my given rights under 15 USC 1681.

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

According to : 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 According to : 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.