23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

I contacted Equifax regarding an outdated listing on my credit report. I advised them that " The listing for " XXXX '' is outdated. Please note the following The " Date of XXXX Delinquency '' is XX/XX/XXXX The account " Date Closed '' is XXXX XX/XX/XXXXEither date is beyond the seven year provision that adverse information is listed in credit files. These listed dates reflects the timeline that you should apply to determine when this account should have been deleted from my credit file. Again this merchant listing should have been deleted from my file during XX/XX/XXXX ''. 

Equifax did a slipshod investigation and refreshed the dates on the account and deemed it an investigation. The information was not removed as required by the Fair Credit Reporting Act ( FCRA ).
Product: Credit reporting or other personal consumer reports

The complainant ( " the Consumer '' ) brings this complaint and seeks non-monetary relief from XXXX XXXX XXXX XXXX ( XXXX ), XXXX XXXX XXXX XXXX XXXX ( XXXX ), TransUnion, LLC, ( TransUnion ), and XXXX XXXX XXXX ( XXXX ) under the FCRA ( 15 U.S.C. 1681, et. seq. ). The Consumer is a natural person and is a person and consumer as defined by the FCRA at 15 U.S.C. 1681a ( b ) and ( c ). At all times material hereto, the Consumer had at least one disability as defined under the ADA at 42 U.S.C. 12102. From XXXX XX/XX/XXXX to XXXX XX/XX/XXXX, the consumer sent XXXX, XXXX, and TransUnion detailed notices disputing the accuracy of his credit reports with respect to XXXX credit card debt. Specifically, the Consumer disputed the patently false date of first delinquency and inaccurate payment history. Upon receiving the Consumers initial CFPB complaints, each of the CRAs, XXXX, XXXX, and TransUnion, transferred the complaints to their respective consumer credit file dispute units1, and communicated the Consumers dispute notices to XXXX. Initially, neither XXXX, nor XXXX, nor TransUnion, nor XXXX conducted a reasonable timely investigation after receiving the consumers dispute notices, resulting in the continued reporting of false and misleading derogatory information on the consumers credit reports with respect to Discovers debt. After receiving dispute responses from XXXX, XXXX, and TransUnion that continued to contain false and inaccurate derogatory information with respect to XXXX debt, the Consumer again sent XXXX, XXXX, and TransUnion detailed notices disputing the accuracy of his credit reports. XXXX, XXXX, and TransUnion again communicated the XXXX 's dispute notices to XXXX. XXXX and XXXX and TransUnion continued thereafter to report false and inaccurate derogatory information on the consumers credit reports with respect to Discovers debt, alleging XXXX verified the accuracy of the information reported. Responding on XXXX XX/XX/XXXX to a CFPB XXXX XXXX asked the Consumer to understand that XXXX is responsible for providing [ the information for account ending XXXX ] to the credit reporting agencies ; [ but ] the credit reporting agencies have their own policy for reporting the information that is displayed. The Consumer continues to be a XXXX and thus remains exceptionally vulnerable to the conduct of XXXX, XXXX, TransUnion, and XXXX. As a result of the conduct of XXXX, XXXX, TransUnion, and XXXX  as alleged above from XXXX XX/XX/XXXX to XX/XX/XXXX, the Consumer has suffered severe ongoing emotional harm including and not limited to frustration, stress, XXXX, worry, damage to reputation, and economic losses including and not limited to damage to his credit, lower credit scores, and lost opportunities to receive credit. He has also failed to obtain stable housing on account of the false and/or inaccurate information furnished by XXXX and persisted in his credit files by the three major CRAs. ( the full complaint and documentation is attached )
Product: Mortgage

This complaint is regarding the undue hardship I have been experiencing as it relates to completion of a credit assumption of my mortgage loan after undergoing a divorce from my spouse. 

On XX/XX/year>, I had emailed Shellpoint mortgage servicing the General Judgement of Dissolution detailing that I had been awarded the property following divorce from my spouse. I had also requested to start the credit qualification assumption process to which they stated I would be able to pursue. 

On XX/XX/year>, I received confirmation from USPS that Shellpoint mortgage servicing had received my completed assumption package. This was later confirmed by XX/XX/year> by their assumptions department that they had received my completed assumption package and that a loan officer would be reaching out in the next 10-14 business days. 

Since that time, I have regularly emailed them for updates regarding the status of my credit assumption request. I have sent them a total of 5 requests for updates, with an average response time from them of 9 days. It has been 95 total days since they have received my completed assumption package, and I have yet to receive a response from one of their loan officers. On their website, it states it may take 60-90 days for a credit assumption request to be completed ( due to divorce ) upon receipt of the completed assumption package. I have exceeded this timeframe and have yet to hear back from a loan officer. 

Thus, I am submitting this complaint due to their lack of transparency and because of the undue emotional hardship I have been experiencing throughout this process.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle handling of disputes particularly in the light of recent CFPB lawsuit significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies my financial institution and Zelle failed to investigate my claims adequately. They informed me recovery lost funds is impossible. The CFPB finding indicate that zelle has not only neglected to protect consumers but has also allowed repeated offenders to exploit the system leaving users vulnerable to scam.
Product: Debt collection

This debt collector keeps calling my work even though I have asked them on a recorded line not to.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed hard inquiries on my credit report that I did not authorize and did not receive a response or correction from neither of the Credit Agencies. 

XXXX hard inquiries are XXXX XXXX XXXX -- -- - Dispute letter was sent out XXXX XXXX, XXXX Inquiry date : XXXX XXXX, XXXX DT Credit. -- -- -- -- - Dispute letter was sent out XXXX XXXX, XXXX Inquiry date : XXXX XXXX, XXXX XXXX XXXX XXXX -- -- - Dispute letter was sent out XXXX XXXX, XXXX Inquiry date : XXXX XXXX, XXXX XXXX -- -- - Dispute letters were sent out XXXX XXXX, XXXX, XXXX XXXX, XXXX, and XXXX XXXX, XXXX. 

Inquiry date : XXXX XXXX, XXXX XXXX hard Inquiries are XXXX XXXX -- -- -- -- - Dispute letters were sent out on XXXX XXXX, XXXX and XXXX XXXX XXXX. I received a notice from " XXXX XXXX '' saying that there is no account-related inquiries or application on file but yet they have not deleted this inquiry on my credit report. 
Inquiry date : XXXX XXXX, XXXX Net Credit -- -- -- -- - Dispute letter was sent out XXXX XXXX, XXXX Inquiry date : XXXX XXXX, XXXX XXXX
Product: Checking or savings account

There was an unauthorized charge to my credit karma account. I reached out to them to dispute the charge. As seen below they they blocked the charge from competing this time and multiple times after that point. On XX/XX/XXXX they allowed the charge to clear. I emailed them to dispute the charge again. After multiple back and forth, they told me to reach out to the merchant. I again explained to them they stopped this charge before and they refused to reverse it. I then asked them to have a supervisor to contact me. At this point they deactivated my card with out my knowledge. 

I then started a deposit into my account from my XXXX earnings from the weekend so that I could get dinner. After the deposit, I went to my account too nice dinner if the cash to my savings account and saw that my card was deactivated and the money I was trying to deposit was not in my account. 

I immediately called Credit Karma and was told they deactivated my card because it was lost ( Which it wasn't ) and they could not reactivate the card. I've tried too reach a supervisor and I have been on hold for 30 mins. And they refuse to reactivate my card
Product: Credit reporting or other personal consumer reports

XX/XX/year> Subject : Complaint Regarding Inaccurate Late Payments on Credit Report Complaint Details : I am submitting this complaint regarding inaccurate late payments reported on my credit file maintained by Experian for the following account : Account Information Account Name : XXXX XXXX Account Number : XXXX I believe these late payments are erroneous and do not accurately reflect my payment history. I have consistently made my payments on time, as this account was enrolled in autopay. 
Nature of the Complaint : Inaccurate Reporting : The late payment history for this account is inaccurate, with a single late payment entry on my XXXX, Experian, and XXXX files that does not align with my actual payment records. 
Violation of the Fair Credit Reporting Act ( FCRA ) : This inaccurate reporting violates my rights under the FCRA ( 15 USC 1666 ( b ) ), as it misrepresents my creditworthiness. 
Potential Violation of Fair Debt Collections Practices Act ( FDCPA ) : The reporting of false late payments may also constitute a violation of the FDCPA, which prohibits misrepresentation of account information.

Truth in Lending Act ( TILA ) Violation : The reporting practices fail to meet TILA 's requirements for accurate credit reporting.

Additionally, the FCRA, specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure maximum accuracy. 
Under FCRA articles 616 and 617 ( 15 U.S.C. 1681n and 1681o ), there is civil liability for willful and negligent noncompliance, which includes actual damages, attorneys fees, and possible punitive damages. 
Requested Resolution : I request that Experian conduct a thorough investigation into this matter and remove the inaccurate late payments from my credit report. I ask that these entries be updated to reflect my true payment history, which shows 100 % on-time payments. Please confirm the removal of these inaccuracies within 30 days of receiving this complaint. 
Attachments : Copy of ID Social Security Relevant documents related to the account, including payment records demonstrating on-time payments. 
Thank you for your immediate attention to this matter. 
Sincerely, XXXX XXXX XXXX
Product: Checking or savings account

Relay bank has frozen my account after receiving wire transfers from a company I do business with, and is demanding copies of my contract with this business before they will release my funds. This is a massive overreach and outside of their scope. I provided other requested documentation, such as my identification and XXXX XXXX, as well as my most recent XXXX  payout statement, which was already pushing the line. They have been slow to respond and will not give me a timeline as to when I can access the funds in order to leave their bank for another.
Product: Credit card or prepaid card

I applied for a Barclays credit card on XX/XX/XXXX. They requested I send in additional documents, which I did ( so that Barclays can not fabricate when they receive my documents I have a tracking number - [ USPS TRACKING # - XXXX XXXX XXXX XXXX XXXX XXXX ] )
Product: Credit card

I was fraudulently charged on my XXXX card. XXXX reversed the charge. The provider, XXXX, converted the XXXX to Barclaycard. Several months after the reversal, Barclaycard added the fraudulent charge back to my account. I provided them with evidence that the charge was fraudulent, but they left it on my card anyway. They did not provide any invoice or receipt from the merchant to support the fraudulent charge. The only business I conducted with the merchant was paid by checks, NOT by credit card. I provided the invoice from the merchant and copies of the checks that paid the invoice. 

The credit card company claims there was some other charge by the merchant, but the charge to my credit card was fraudulent, as XXXX confirmed when they reversed the charge! There is no other invoice or any other service provided by the merchant that would justify charging my card. 

I have attempted to contact the merchant numerous times over the past several months to no avail. Barclaycard has not addressed any of the issues with their response and seem to be just intent on keeping my money for this fraudulent charge.
Product: Credit reporting, credit repair services, or other personal consumer reports

please remove all the information FCRA violations : See ATTACHMENTS : XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family MR- XXXX XXXX XXXX XXXX XXXX TX , TX XXXX Resident type - XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Resident type Multifamily XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Resident type Apartment complex XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. {$610.00} written off. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. {$13000.00} written off. 
XXXX Potentially negative Date opened XX/XX/XXXX Balance {$10000.00} Status Account charged off. {$9600.00} written off. {$3300.00} past due as of XX/XX/XXXX. 
XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$5300.00} Status Account charged off. {$4900.00} written off. {$1700.00} past due as of XX/XX/XXXX. 
XXXX Potentially negative Date opened XX/XX/XXXX Balance {$8000.00} Status Account charged off. {$7800.00} written off. {$4800.00} past due as of XX/XX/XXXX. 
XXXX XXXX ASSOCIATE Potentially negative Date opened XX/XX/XXXX Balance {$1800.00} Status Collection account. {$1800.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$780.00} Status Collection account. {$780.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative
Product: Credit reporting or other personal consumer reports

My account with XXXX  XXXX, XXXX, AND 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 payment reported 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, AND 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: Vehicle loan or lease

My vehicle was unfairly XXXX from CNAC I tried to do everything possible to get it back and they wouldn't allow it and they sent me a letter stating that I had XXXX  days to come collect my things from inside the vehicle and that they would be selling it and however much they sold it for would come off of my remaining balance on the vehicle. However they did not follow that. I recieved a paper stating that they sold the vehicle for {$0.00} and that I still owed the full amount! I know they sold the vehicle for {$2900.00} because I seen it at XXXX XXXX XXXX and ensured that it was the same vehicle by checking the vin and I was told how much they purchased it for, not to mention all of this is free to lookup online! So I want this removed from my credit report bc they fraudulently reported it and have hurt my credit score long enough. They weren't at all fair in the entire process of buying the vehicle in the first place. And I have disputed it several times online and nothing has been done! Even when I submit the proof.
Product: Credit reporting, credit repair services, or other personal consumer reports

On or about XX/XX/2023 I submitted a consumer credit application to XXXX in XXXX nc for services and they stated that due to information that was being reported on my consumer credit profile by Experian that a deposit was required but I explain to them that I never gave Experian Written consent to report anything on my consumer credit profile which is a violation of not only my consumer right to privacy pursuit to 15 USC 1681 section 602 A as well as 15 USC 1681 section 604 A.
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 XXXXXXXX Account Number XXXX, XXXXXXXX XXXX Account XXXX XXXX, XXXX XXXX XXXX  XXXX Account Number XXXXXXXX XXXX XXXXXXXX XXXX Account XXXX XXXX, XXXX XXXX  Account Number 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 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, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Act XXXX XXXX XXXX XXXXXXXX has violated my rights. 

15 U.S.C 1681 section 602 A states I have the right top privacy.

15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

I settled my account XXXX XXXXXXXX XXXX XXXXXXXX XXXX account with XXXX XXXX XXXX On XX/XX/2023 with the understanding that account will be deleted from my credit report. I have tried to do this with the bureaus but they just don't do anything
Product: Credit reporting or other personal consumer reports

According to my credit report on XX/XX/XXXX, I discovered that there are unauthorized and fraudulent activities being reported to my credit file. This is due to multiple data breaches that I have been involved in regarding my Name, Address, D.O.B, Soc Sec #, Phone number, and email addresses since XXXX. 
The following are the data breaches that have leaked my data : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX There are a few more, and I will update the new information after verification. I disputed this a few times and was ignored by the XXXX major credit bureaus. I'm seeking help to rectify this situation. 
Here are the un-authorized accounts that I had no knowledge of : XXXX XX/XX/XXXX ACCT # XXXX XXXX  - XX/XX/XXXX ACCT # XXXX XXXX - XX/XX/XXXX ACCT # XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ACCT XXXX XXXX XXXX XXXX ACCT # XXXX Any questions, please contact me at XXXX or the address I provided on this report. 

Sincerely, XXXX XXXX XXXX SS # XXXX I am willing to prosecute.
Product: Credit reporting or other personal consumer reports

My account with 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 payment reported in XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year> and XX/XX/year> to be removed. 

They are not in compliance with the following law. XXXX5 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports