23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent a letter to the XXXX XXXX and they have failed to comply with my letter and has not replied. My letter stated the following : I am in total disagreement with your investigation response. The incorrect items listed below still appear on my credit report, even after your investigation. I would like these items immediately re-investigated and for good cause. These inaccuracies are highly injurious to my credit rating. 

In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, I demand that you provide actual proof the information was verified, not a computer generated confirmation.

Please provide : 1. The names and business addresses of each individual with whom you verified the information above, so that I may follow up.

2. The date you contacted the individual furnishers of information. 
3. The method of communication you used to verify the information I would also like to know if the furnisher provided you with my SSN, address or DOB. 
Please forward an updated credit report to me after you have completed your investigation and corrections. 
Your cooperation and prompt attention are required by law.
Product: Money transfer, virtual currency, or money service

I am willing to formally express my concerns regarding Zelles 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 failed to investigate my claims adequately.
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had one late payment on an account that I was never late for Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX XXXXXXXX : XXXX. Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided. I demand these payments be updated to on time as they should be as I was NEVER late. Thanks.
Product: Credit reporting or other personal consumer reports

After reviewing my credit report I noticed a fraudulent account my credit profile per following XXXX report DISCOVER BANK XXXX POTENTIALLY NEGATIVE MONTHS Credit usage 47 % Balance {$470.00} Balance updated XX/XX/2024 Credit limit XXXX credit report DISCOVER BANK XXXX POTENTIALLY NEGATIVE MONTHS Credit usage 47 % Balance {$470.00} Balance updated XX/XX/2024. 
XXXX credit report DISCOVERBANK Credit usage 47 % XXXX {$470.00} XXXX updated XX/XX/2024 2024
Product: Credit card or prepaid card

PenFed has violated the Dodd-Frank Wall Street Reform and Consumer Credit Protection Act. I emailed PenFed on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and asked for my account to be unblocked. I sent in my California Driver 's license, my birth certificate, my XXXX XXXX XXXX phone bill yet PenFed continues to block my account and not provide me with my statement. PenFed demanded that I provide a copy of my social security card and I told PenFed my social security card is for social security purposes and not identification purposes, in addition, I do not trust PenFed with a copy of my social security card and told them criminals can use it steal my identity, open bank accounts and credit cards or apply for a loan or carry out other illegal activities without my knowledge. I told them the documentation provided should have been enough to identify me. PenFed continues to block my account and not provide me with my statements. After my complaint about unfair and deceptive practices was submitted to everyone, I knew I would be retaliated against. I also signed up for automatic payments so that the minimum payment would be deducted from my XXXX account however PenFed cancelled the automatic payments without my authorization and without notifying me. I then emailed PenFed on the XX/XX/XXXX and told " Due to PenFeds unfair and deceptive practices, close my checking and credit cards ending XXXX and XXXX. You also purposefully kept my statements from me each month then stated I was late to the bureaus. I don't want to do business with a discriminatory, unjust company- close all my accounts with PenFed. ''
Product: Credit reporting or other personal consumer reports

My account was never late! I have had exceptional payment history all payments were placed on XXXX. 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 to be updated. 


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.

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! 


Update the late payments from my consumer reports
Product: Checking or savings account

I am on XXXX XXXX dollar contest XXXX XXXX is taking money out of my account is done this a couple of times once from XXXX XXXX store in XXXX Maryland and now from a place called XXXX XXXX he took {$88.00} from XXXX XXXX 7 different times then he took {$0.00} from XXXX on XX/XX/2020 and then he took {$42.00} from XXXX XXXX on XX/XX/2020 someone at m & t Bank in XXXX is working with him XXXX New York please go get into this for me
Product: Consumer Loan

Hello, I had a Vehicle loan with Ally Financial from XXXX until XXXX. In XXXX, I was suppose to receive a monetary check from them because of a discrimination lawsuit against them. I have contacted them multiple times because I have not received my check. I am in need of assistance to get them to send me my check.
Product: Debt collection

I.Q. Data International has been attempting to collect a debt in the State of New York, which they are not licensed in that state. When I asked for their registration, they refused to supply it despite them stating they are licensed/registered. Upon checking with The State of New York, it does not show anything for them. Furthermore, I have paid them thousands of dollars and they continue to add and accrue interest to the debt despite the fact they will not provide the agreement from the original company, which would allow them to do this. It is come to my understanding, in accordance with State and Federal laws they can not add interest to a debt unless it was stated in the original agreement. Furthermore, they can not attempt to collect a debt in the State of New York unless they are licensed/registered. The account representative, XXXX XXXX, advised me they do not have to provide any documentation or validation pertaining to the debt they are collecting. It is my understanding, it is my right as a consumer to request and obtain proper documentation from the debt collector to not only ensure the debt is mine but more, so they are attempting to collect the proper amount.
Product: Credit card

I took an offer for a balance transfer with Suntrust Bank that ended on the XXXX. 
At the closing date of XXXX/XXXX/16, I had a balance of {$1000.00} and I called Suntrust to check when they will begin to assess finance charges. I was told by the bank rep that as long as I paid off the balance by the next due date of XXXX/XXXX/16. I will not be assessed a finance charge, which I did. 
However, I was sent another promo offer with convenience checks, which I did apply for in XXXX 2016, and from then, I was being assessed finance charges, even though, the previous balance that ended on XXXX was paid off. The bank rep XXXX XXXX said that they had applied all XXXX payments that I had made from XXXX 2016 to the balance with the lowest APR, which was the recent balance transfer, and this is why they were charging me finance charge on the {$490.00} balance of the first balance transfer that should have been paid off with the XXXX payment of {$590.00}. 
I am looking for them Suntrust to credit my account back with all the finance charges starting in XXXX 2016 to recent and not to charge any finance charges on the current promotion that I have.
Product: Credit reporting or other personal consumer reports

Fraudulent inquiries on my credit reports violations of my rights.
Product: Debt collection

I have been trying to contact Convergent Outsourcing Inc for awhile regarding a fraud alert i received from XXXX listing Convergent Outsourcing inc as the creditors. There was never any attempts by this company or any other in writing or verbally to collect a debt from me in the past but i am being told that the debt was reported on my experian credit report. I have made multiple attempts to contact the company by telephone and in writing trying to verify this debt and get information about the original creaditor and receive no response or help. I have no memory of an open account for XXXX dollars in my credit past
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second time writing you to update my personal information. 

15 USC 1681 ( a ) ( 4 ) There is a need to ensure thatconsumerreporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for theconsumers right to privacy I demand the deletion of all personally identifiable information from my consumer credit report with the exception of : My Full Legal Name : First & Last Name XXXX XXXX XXXX Address : Address, City, State Zip XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the one above. 

My only Phone number is ( xxx ) xxx-xxxx Delete any and all other phone numbers. 

I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. 

Delete all information in the employer section. 



My true and only name is XXXX XXXX Remove any other reported names immediately!! 
My true and only address XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX any other reported address immediately!! 
My true and only Date of birth is XXXX add the full date and remove any other reported dates immediately!! 
My true and only SSN XXXX Remove any other numbers you may have on file!! 

Immediately delete this personal data below and delete any and all accounts attached to this inaccurate data! 

These items are reported inaccurately : NAMES : XXXX XXXX XXXX XXXX XXXX XXXX Prior Residency : XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX Current Residency XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX Date of Birth XXXX XX/XX/XXXX XXXX CURRENT EMPLOYMENT XX/XX/XXXX Current Position XX/XX/XXXX Prior Position XX/XX/XXXX SSN XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this CFPB complaint addressed the Credit Reporting Agencies to request the complete removal of the fraudulent information frommy Credit report. I have been sending countless letters requesting that the Credit Bureas remove the fraudulent items from my Credit Report and yet they have done nothing. Under rthe FCRA section 605b, the Credit Bureaus are required to remove any account and information that resulted due to identity theft. And provide copies of documents to serve as proof of verification wo support the Credit Bureaus claims that the items beling under my name. But despite all the lettets I have sent, the Credit Bureaus have not done nay of the actions. I am now submitting this CFPB complaint to inform the Credit Bureaus that if they do not comply with the Request and continue reporting without sending me copies of documents as proof of verification, please understand I will initiate legal action. I need the folowing items deleted as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed inaccurate names, addresses, and employment information. According to the Fair Credit Reporting Act, whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. NAMES : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX. ADDRESSES : XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. EMPLOYMENT INFORMATION : XXXX XXXX, XXXX XXXX, are all incorrect. Also, according to XXXX XXXX XXXX, 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 a victim of XXXX XXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted from the company XXXX XXXX, and Equifax for myself XXXX XXXX XXXX, last XXXX Social Security number is XXXX, XXXX : XX/XX/XXXX. Please delete the following accounts. Starting with XXXX Hard inquiries : XXXX XXXX  ( XX/XX/XXXX ) XXXX, XXXXXXXX XXXX ( XX/XX/XXXX ), XXXX XXXX  XXXX ( XX/XX/XXXX & XX/XX/XXXX ), XXXX XXXX XXXX ( XX/XX/XXXX, XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX & XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX & XX/XX/XXXX, XXXX XXXX  ( XX/XX/XXXX ), XXXXXXXX XXXX XXXX XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), XXXX XXXX  ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ), XXXX XXXX  ( XX/XX/XXXX ), XXXX XXXX XXXX  ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX  ( XX/XX/XXXX & XX/XX/XXXX ), XXXX XXXX  ( XX/XX/XXXX, XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX  ( XX/XX/XXXX ), XXXX XXXX  ( XX/XX/XXXX ). 
Also, collections account for both XXXX and Equifax : credit collections ( XX/XX/XXXX ), other closed accounts listed for both XXXX and Equifax : XXXX ( XX/XX/XXXX ), XXXX  ( XX/XX/XXXX ), XXXX  XXXX ( XX/XX/XXXX ). Address listed on both XXXX and Equifax : XXXX XXXX XXXX, XXXX XXXX NY XXXX, XXXX XXXX XXXX XXXX, XXXX NY XXXX, Employer : XXXX XXXX XXXX, XXXX. 
Equifax hard inquiries : XXXX XXXX  ( XX/XX/XXXX & XX/XX/XXXX ), XXXX  XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX XXXX  ( XX/XX/XXXX & XX/XX/XXXX ), XXXX XXXX XXXX XXXXXXXX ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX & XX/XX/XXXX ), XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXXXXXX XXXX XXXX ( XX/XX/XXXX ), XXXX  XXXX XXXX ( XX/XX/XXXX & XX/XX/XXXX ), XXXX XXXX  ( XX/XX/XXXX ). 
I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the LAW. Which I have provided all of my documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Product: Mortgage

I went through XXXX to remortgage at a lower interest rate. Before I even made one payment, XXXX sold my mortgage to Freedom Mortgage. My first mortgage statement from Freedom Mortgage was higher than my agreed payment with XXXX. I contacted Freedom Mortgage several times and was finally told the amount was higher until they did an escrow analysis. How can they just make your payment higher WITHOUT an analysis? My escrow amount and account were fine and after complaining, FM did change the amount back to what it was originally supposed to be. Also, when I called in a payment they took the account information incorrectly and then came back with a late fee and once they had the correct information ( I was monitoring my checking account ), they automatically took the PAYMENT and the LATE FEE. I called to complain ( again ) and was told that I had agreed to that amount over the phone which if I DID, I had NO intention of doing. I feel very manipulated and that I am not dealing with a company of integrity.They would not refund my money or put it toward my next payment and said they would put the late fee amount toward my principal amount. I had no say in this and did not appreciate their customer service.
Product: Credit reporting, credit repair services, or other personal consumer reports

In an attempt to collect an invalidated debt, XXXX, XXXX. Violated my consumer rights and furnished a false and deceptive form pursuant to 15 USC 1692j. Additionally, XXXX XXXX threatened me in regards to said invalidated debt and said that they would put a negative remark on my consumer report if the debt was not paid, which they have done. This is direct violation of 15 USC 1692d. There have been numerous attempts by XXXX to collect something that has not been validated and that I do not owe. I am fearful that XXXX will continue to make threats against me and harass me in relation to the alleged debt. I have sent XXXX, XXXX a cease and desist and validation of debt to bring an end to this matter immediately. I have also invoiced XXXX, XXXX for multiple consumer rights violations. Pursuant to 15 USC 1692k.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, I am in total disagreement with your investigation response. The incorrect items listed below still appear on my credit report, even after your investigation. I would like these items immediately re-investigated and for good cause. These inaccuracies are highly injurious to my credit rating. 

XXXX. The following personal information is incorrect Account Number : Current Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXXXXXX XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. The following account is not mine XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. The following account is not mine XXXX XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. The following account is not mine XXXXXXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX. The following account is not mine XXXX XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. The following account is not mine XXXX XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. The following personal information is incorrect Account Number : Current Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. The following personal information is incorrect Account Number : Current Address ( es ) : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The following personal information is incorrect Account Number : Current Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX