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

XXXX XXXX violated my consumer rights. 

15 USC 1666b : timing of payments says, a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose so XXXX XXXX has violated this law because this late payment is reporting on XXXX, TransUnion and XXXX. 

15 USC 1681a ( 4 ) says, There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy so XXXX XXXX  has violated this law because this late payment reporting on XXXX, TransUnion and XXXX is a violation of my right to privacy because I didnt give them permission to report it publicly. 

15 USC 1681a ( 2 ) ( a ) ( i ) says, The term consumer report does not include transactions or experiences between the consumer and the person making the report so XXXX XXXX  has violated this law because they furnished this EXPERIENCE to XXXX, TransUnion and XXXX and I didnt give them permission to do so.
Product: Credit reporting or other personal consumer reports

i recently review a copy of my credit report and noticed that incorrect accounts on my report please remove these accounts from my report they are hurting my ability to to obtain credit
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX, and Transunion are reporting the following inquiries that I did not authorize! According to the FCRA Section 1681e - Reasonable procedures to ensure accuracy : This section requires credit reporting agencies to maintain reasonable procedures to ensure the accuracy of consumer credit information they collect, maintain, and disseminate. This includes procedures to verify the accuracy of information reported by creditors, and to correct or delete inaccurate information. 
Section 1681i - Reinvestigations : This section gives consumers the right to dispute inaccurate or incomplete information in their credit reports. Credit reporting agencies must investigate any dispute and, if necessary, modify or delete inaccurate information. The agency must also notify the creditor or information furnisher who provided the disputed information about the dispute. Please help me dispute the following inquiries : XXXX XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/2022 XXXX ) XXXX XXXX Inquiry Date : XX/XX/2022 XXXX ) XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/2022 XXXX ) XXXX XXXX  Inquiry Date : XX/XX/2022 XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/2022 XXXX ) XXXX XXXX XXXX Inquiry Date : XX/XX/2022 XXXX ) XXXXXXXX XXXX XXXXXXXX XXXX Inquiry Date XXXX XX/XX/2022 XXXX ) XXXX  Inquiry Date : XX/XX/2022 XXXX ) XXXX  Inquiry Date : XX/XX/2022 XXXX ) XXXX Inquiry Date : XX/XX/2022 XXXX ) XXXX XXXX. Inquiry Date : XX/XX/2022 XXXX ) XXXX XXXX Inquiry Date : XX/XX/2022
Product: Debt collection

On XX/XX/2021, I mailed via USPS a certified Cease and Desist letter which was received by their office on XX/XX/2021, to Tice Associates Inc. located on XXXX XXXX XXXX XXXX, NY XXXX. In the letter, I REQUESTED they ( Tice Associates Inc ) provide a DETAILED AND COMPLETE AUDIT TRAIL of their alleged debit, I REQUESTED they zero out the balance and remove ANY AND ALL INFORMATION pertaining to this ALLEGED DEBIT from all consumer reporting agencies. 

They DID NOT Reply to the Cease and Desist letter, which is a violation under 15 U.S. Code 1692g and USC 1692c ( c ) nor did they remove the information from CRAs. INSTEAD, THEY HAVE RE-AGED THIS ALLEGED DEBIT ON MY CREDIT REPORT on XX/XX/2021, almost 2 weeks after receiving my Cease and Desist letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX I saw this appear on my credit report. I mailed request for validation by mail ( with tracking number, it was delivered ). They never responded. After the time had past, I contacted XXXX, experian and XXXX, with a certified letter ( with tracking number, it was delivered ) explaining I had requested validation of the debt, as I had no idea what is was, and that the company had not responded. XXXX removed the item, but XXXX  and XXXX still have it on my report. They are in violation of the law. 

I want this removed off my credit report on all credit reporting agencies immediately and also a letter from XXXX XXXX XXXX saying I have no debt with them. If they ca n't show me a signature page, or and itemized statement, they have to remove this.
Product: Debt collection

I sent letters to all three major bureaus the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means XXXX Credit Bureaus has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. Below are the accounts that are still reporting on my credit report : PORTFOLIO RC ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  ) XXXX Balance {$840.00} PORTFOLIO RC ( Original Creditor : XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX ) XXXX Balance {$840.00} PORTFOLIO XXXX-XXXX Balance : {$840.00}
Product: Credit reporting or other personal consumer reports

My account with EQUIFAX XXXX XXXX was never late! I have had exceptional payment history 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 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. 


EQUIFAX 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! 


Update the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

My information was leaked in Equifax XXXX  XXXX XXXX. Upon learning of the breach, I submitted documentation to the agency disputing several accounts. In my request, I asked this reporting agency to look into accounts from XXXX  through today, but they have not provided proper evidence of an investigation. I have a credit monitoring account with XXXX, and you can request to dispute inaccurate information through their app. On several occasions, both on the free and paid app I requested disputes and information that never matriculated the information requested. I was seeking proof that these accounts were mine as I did not affix my signature to most accounts on my report. I provided a typed letter with copies of my ID and SS # to all three reporting agencies to look into inquiries that were popping up out of nowhere to accounts, anything and everything that looked suspicious on my report. In addition to this failure to utilize professional objectivity and integrity, I the consumer have had adverse responses due to the negligence of these reporting agencies to secure my consumer information and diligently investigate to the fullest capacity to protect my creditworthiness.
Product: Bank account or service

see attached. I am sending all info for this section and large amount of documentation that substantiates my complaint. This info contains different times and different ways I have tried to get info and answers. It demonstrates a lot of the other problems I had with Key Bank XXXX loans.
Product: Money transfer, virtual currency, or money service

i have been trying to verify my id and it will not accept any photo no matter how clear it is.
Product: Credit reporting or other personal consumer reports

I am demanding immediate clarification regarding the method of verification your bureau uses to confirm the accuracy of disputed items on my credit report.

Under the Fair Credit Reporting Act ( FCRA ), I have the right to know exactly how disputed items are verified. I expect you to provide me with complete transparency about the following : The exact process or method your bureau uses to verify disputed items.

The identity of the entity/entities responsible for carrying out this verification.

Any documentation or evidence used to support the accuracy of the disputed items.

I am fully aware of my rights under the FCRA, and I expect full compliance with this request. If you can not provide verifiable proof for these items.
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT XXXX as XXXX supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within XXXX business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. XXXX credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through XXXX mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. 
XXXX OF XXXX Account Number : XXXX
Product: Debt collection

They continually call me and I have always paid my monthly payment with them and they call several times a day I have told them I always pay you every month you do not need to call everyday several times a day
Product: Credit reporting or other personal consumer reports

" Your agency is in violation! 
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. 
Delete this at once! '' LIST OF ACCOUNTS BEING CHALLENGED ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' Equifax and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information 15 USC 1681 section 604 a section 2 says " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates.the financial institution and the Consumer reporting agencies Equifax, and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to Equifax, and XXXX, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. Equifax and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021
Product: Checking or savings account

On the morning of XXXX, I deposited {$400.00} of cash into an M & T bank ATM. I received the attached receipt with all corresponding information.

The funds were not made available in my account nor could I see a pending transaction.

I reached out to customer service and the local branch and my transaction could not be found.

I was also refused any provisional credit.

This error on the bank 's end is causing me to miss paying bill and my cell phone service has been interrupted.
Product: Mortgage

Mortgage service company Wells Fargo has not sent a form XXXX. They send paper statements monthly but apparently I need to access form XXXX electronically. I went to access the account online as I have done periodically. They have made changes to the online access and I am not able to access the account. In trying to resolve the issue, I have done all the various routines, including forgot username, forgot password, set up electronic access, and called them. When I called, they told me to enter my username as all caps and they would then require me to create a new password. This also did not work. They told me to use XXXX XXXX which I also tried and this did not work. There was no resolution. 

I have also tried to simply enroll using my SSN and the mortgage account number from a statement but it says it does not recognize my information. 

I don't know the situation as to the online access being disabled. I speculate it was related to the access through XXXX being transitioned to another mortgage servicer " XXXX '' provider. In any case, this lack of ability to access my account or get it resolved, and lack of access to my XXXX is unacceptable.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act the following inquiries XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXXXXXX XXXXk XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX has violated my rights.

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

15 U.S.C. 1681 Section A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Debt collection

Unifund has not informed me. They only informed me of a lawsuit now that they reported to the CFPB. They come up with one letter that they tried to notify me that there was a debt. They have not clarified this debt they have not shown this debt is owed by me. They have not shown original purchase agreement that shows mileage, legal legally owned this debt by my original creditor of XXXX XXXX XXXX, I also request copies and statements from open to close from this account. I want to see proof that they are legally debt collector in my state. I want to see a copy of the bond that shows they legally registered in my state. Want to see a wet signature of XXXX XXXX  contract this debt was insured and paid off by XXXX XXXX  this debt is closed. Furthermore, XXXX XXXX  has arbitration. You can also be paid with notes in negotiable instruments. Simply stating a name and address and a phone number is not clarification of ownership of a debt show me a wet signature that will be clarification by law. Thank you.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the reinsertion of a previously deleted item in my credit report. This reinsertion violates the Fair Credit Reporting Act ( FCRA ) Section 611 ( a ) ( 5 ) ( B ) ( ii ) ( iii ). 
The information about XXXX XXXX - XXXXwas deleted on or around XX/XX/2024.
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 failed 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. They need to be held accountable.
Product: Credit card or prepaid card

On XX/XX/2022 there was a {$6000.00} XXXX  transaction made using my Capital One credit card for a total charge of {$6100.00} I got a text from XXXX asking if i authorize this transaction and i replied no. I then immediately called capital one and closed the card number that was used and informed them of this charge, since capital one authorized the charge even though it was for more than my limit on the card. 

When i contacted capital one of the charge it was still pending and had not been processed yet. Capital one still allowed the charge to go through. Then they said thus was an authorized transaction and i was responsible because i had previously sent money by XXXX. 

I don't understand why capital one couldn't have just cancelled the transaction while it was pending instead of letting it process.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered illegal unauthorized accounts on my profile report. I'm concerned that you've included the following information in my credit profile and that you've neglected to follow reasonable procedures to ensure the most extreme possible accuracy in the credit reports you distribute. Credit reporting laws require agencies to report only accurate credit data. Each step should be taken to ensure that the data detailed is completely accurate and correct. The accompanying data should be researched in this manner. After carefully pulling my credit report from your agency, I am having significant difficulty locating inaccurate/invalidated accounts. I am unaware of these items or inaccurate information because my personal information was impacted by the XXXX data breach and may have ended up in the wrong hands. You are filing reports negligently and inaccurately, in violation of the FRCA. I am aware that you lack legal standing as a federally protected consumer, and that you can not retain an attorney to represent you against me. 
I will seek a default judgment and bring a class action lawsuit against the corporation for violations, stress, and menstrual anguish on behalf of at least 1 % of the corporation, pursuant to TILA 1640, OR ANY OTHER AMOUNT OF DAMAGES UNDER 1692K.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent certified letters to Experion start date wasXX/XX/XXXX, then againXX/XX/XXXX, after I seen nothing was done or any response, they didnt even initiate consumer dispute on any inguiries that were done without my knowledge as was said in the letters I sent, I now am done with asking for Experion for help that they are supposed to give me by law, ..Inquiry dates start withXXXX XXXX XX/XX/XXXX ... XXXX XXXX XXXX XX/XX/XXXX,,, XXXX XX/XX/XXXX,,, XXXX ...XX/XX/XXXX XXXX  XXXX..XX/XX/XXXX ....
Product: Credit reporting or other personal consumer reports

I have been a victim of identity theft. My personal information has been used to use goods and service. I did contacted Equifax and told them this inquires are fradulent and provided proof, even though they told me that this inquires were verifed. Please dispute and remove this fradulent information from my credir report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX