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

On XX/XX/2020 I sent letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XX/XX/XXXX data breach and may have got into the hands of the wrong person.
Product: Credit reporting or other personal consumer reports

Per 15 USC 6809 ( 4 ) ( A ), non-public personally identifiable financial information such as name, address, social security, income, credit score, and bank account information should not be reported to third party agencies. Charge offs or certificates of indebtedness, are considered income which can not be reported according to 15 USC 1681. Consumer requested these third party reporting agencies remove according to law, but they have refused.
Product: Debt collection

I am writing to provide a complaint that was created on my credit file on behalf of Enhanced Recovery, regarding Account Number : XXXX. The item identified is inaccurate/incomplete because 1 ) I never received any mailing notification that of owing any monies to this creditor and therefore not responsible for this debt and should have not been reported in my credit file, 2 ) This account was purposely re-aged by Enhance Recovery. On XXXX XXXX I noticed this debt had been placed on my credit report as having an opened date of XX/XX/2019 with status update past due as of XX/XX/2019. Enhanced Recovery re-aged this account to appear as a new debt rather then owned by a new creditor. 

Below is summary of letter sent to creditor On XX/XX/XXXX : I noticed this debt had been placed on my credit report. I am disputing the above referenced debt. Please verify this debt as required by the Fair Debt Collection Practices ( FDCPA ) ( section 1692g ) and Floridas Consumer Collection Practices Act ( FCCPA ) whose provisions require all debt collectors to send specific written documentation verifying the debt amongst other statutory provisions. Under section 559 of the Rules/Definitions of the Florida Consumer Collection Practices Act, verification requires all the following : Proof of my agreement to pay the original creditor A copy of the final account statement issued by the original creditor ; A breakdown of the total amount due, showing principal, interest, and other charges ; and For all other charges, the date of and the basis for each charge. 
Provide proof that the State of Limitations has not expired on the alleged debt, or ; Provide proof that the alleged debt/account has not be re-aged as a result of unscrupulous practices I dispute this charge because I do not recognize this debt and I do not owe any money to this creditor.Because I am disputing this debt, you should not report it to the credit reporting agencies. If you have already reported it, please notify the credit reporting agencies that the debt is disputed and/or delete the trade line from my credit report. Reporting information that you know to be inaccurate, or failing to report information correctly, violates the FDPCA and their Fair Credit Reporting Act.
Product: Payday loan, title loan, or personal loan

I applied for a loan and did not see the terms when I applied and signed electronically and did not realize the company was a predatory lender. I borrowed {$1500.00} and when they continued to withdraw money to the amount of {$2600.00}, far beyond what I had borrowed, I called the company and was told the interest is 730 % and the interest on the loan is {$6500.00} and still owed {$5300.00}. I thought this kind of predatory lending was against the law. After finally receiving the terms it states the lender is a XXXX XXXX  and doesn't have to adhere to Federal laws. 
I can't imagine it is legal for XXXX XXXX  to do this. What is my recourse? 

The Date of the loan : XX/XX/23 Applied for loan Loan amount : {$1500.00} Interest rate : 730 % Total Interest : {$6500.00}
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigaie my disputes regarding inaccuracies in my credit report.

Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 

These are the accounts that are inaccurate ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

I have received numerous letters from Portfolio Recovery regarding charges on a XXXX Credit card. I have never had a XXXX credit card. I requested information about this. They have sent me payments made and most of the payments have been reversed. XXXX made on XXXX XXXX,2022 for {$360.00} was made from XXXX, Georgia. Also statements were mailed to XXXX, XXXX where I have never lived. Someone has used part of my social security card. I have to file a police report in order for XXXX XXXX to continue to find out who is responsible. I know I never opened up an account. Your help would be greatly appreciated. The original creditor was XXXX XXXX Bank, Seller then was XXXX Bank and it is now Portfolio Recovery.
Product: Credit reporting or other personal consumer reports

I have always maintained an impeccable payment record with the company, with all my payments set up on XXXX This reported late payment is due to a system error on their part during payment processing. 

This billing error by the company does not reflect my payment history and violates USC Code 1681eb. This mistake has severely impacted my reputation, character, lifestyle, and my family.

I insist that the late payment listed in the MONTHS REPORTING LATE be removed immediately.

The company is not complying with 15 USC 1666b, which outlines the standards for treating a payment as late. They incorrectly reported my payment as late without following the law.

15 USC 1666b ( a ) specifies that a creditor can not consider a payment late unless reasonable procedures ensure that the periodic statement, with required information per section 1637 ( b ), is mailed or delivered to the consumer at least 21 days before the payment due date.

The company failed to send the periodic statement and disclosures as required by section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the due date in good faith under rule 1002, but it has never been provided. 

This situation is unfair, illegal, fraudulent, and unjust to me as a consumer. 

I demand the removal of the late payments from my consumer reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this due to non-compliance with the (Equifax, XXXX  ,XXXX). They have failed to remove information that was affiliated with personal details that were challenged in the past . I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.
Product: Credit reporting or other personal consumer reports

My information was apart of the data breach. Please remove these accounts immediately.

FCRA 605B ( 15 U.S.C. 1681c-2 ) ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information. in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 days.
Product: Credit reporting or other personal consumer reports

I am writing to address a pressing issue regarding inaccuracies on my credit report. Upon a recent review, I discovered late payments incorrectly listed on my accounts. I kindly request your prompt assistance in correcting or removing this information from my credit report. 
Maintaining an accurate credit history is crucial, and the reported late payments do not accurately reflect my financial responsibility. This discrepancy is due to an error and seek your immediate intervention to rectify it. 

Moreover, other credit bureaus have already corrected the status of the accounts stated above .Also, I contact the bank thru a phone call and they said to fix these. Please conduct a thorough investigation into the reported late payments on my accounts and take the necessary steps to correct or remove these information from my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

This is in relation of the case which was just closed with Bank of America. I believe that Bank of America has submitted fabricated information to the CFPB and has taken advantage of the death of XXXX XXXX to take money out of my checking account. They never told me that I needed to set up more payments after a specific date. Furthermore, when the payments stopped, I assumed the debt was payed off, as would anyone else. In the attached screenshot from the information Bank of America submitted, the underlined text shows the information that Bank of America has fabricated. This is not the first time they did this. Bank of America has been caught in deceptive marketing tactics, https : //www.consumerfinance.gov/policy-compliance/enforcement/actions/bank-america-fia-card-services/ and this action has forced Bank of America to pay out over {$720.00} XXXX in relief to affected clients. Bank of America is back to its old practices again. I feel I need to be compensated with damages. I plan pursue this further. I am in contact with my congressman and I am also planning to contact media and attorneys who were involved in suites against Bank of America. I am not letting this issue go until Bank of America either compensates me in damages, returns the funds or is forced to close its doors. On top of that, I find it shameful that a bank would take advantage of the hardship of its clients. When I noticed there were insufficient funds, I had called Bank of America and went out of my way to deposit money in the account and that the could redebit my account. They never did. I also explained that my mother ( XXXX XXXX ) was ill and I was caring for her so I could not work as before. Then the nerve of Bank of America to default on XX/XX/2019, the day I was burying XXXX XXXX, who passed away on XX/XX/2019. This is a terrible and cowardly thing Bank of America has done, considering they " claim '' to have records of our conversations. In those records they should have brought up the fact that there were hardships involved. Bank of America is shameful and I don't know how its employees can sleep at night knowing that they are working for a cold-hearted institution.
Product: Mortgage

As noted last year in my compliant - XXXX The same issues are occurring. 



Wells Fargo continues to have deceptive practices. 
Two separate incidents in the past month : 1 ) Requested refinance. Noted goal of reducing monthly payments. NO discussion about putting it in escrow ( note current mortgage is not in escrow ). Paperwork comes WITH escrow. This increases ( versus decreases ) monthly payment. As noted in my complaint last year, there was NEVER any discussion or request for an escrow account. Note I opted to not refi, and Wells Fargo did regenerate the loan paperwork without escrow, but it is very deceptive to add it to the loan paperwork with no discussion, not to mention it does not address the request to lower monthly payments.

Even more concerning is the 2nd incident : 2 ) Yesterday I received a notification in mail from Wells Fargo noting I was delinquent on XXXX property taxes. This makes no sense as XXXX is not even due yet. Nonetheless, the paperwork included a form for me to fax in requesting property taxes be put into escrow. I spent over XXXX minutes reviewing the letter, logging into XXXX XXXX site to verify payment, looking at prior statements, confirming my check for XXXX were applied, long wait time with Wells Fargo only to be told that the letter was " mailed in error ''. This shows complete lack of control by Wells Fargo for incorrect information to be sent to me as a customer, and questionably deceptive to get me to put my account back into escrow. Letter dated XX/XX/year> with subject " Past-due real estate taxes ''.
Product: Credit reporting or other personal consumer reports

I am writing to formally file a complaint against the three major credit reporting agenciesEquifax, Experian, and TransUnionfor their failure to maintain accurate credit reporting and to properly investigate and correct errors on my credit reports.
Product: Debt collection

Jefferson Capital Systems , LLC is reporting to all 3 credit bureaus. I have asked for validation numerous times from this company. They have failed to comply with the 30 day turnaround also failed to comply with furnishing information that they are licensed and bonded to collect in my state of South Carolina. They have violated my rights by fraudulently accessing any consumer file and invaded my privacy. I have never signed a contract with this company. I have asked for not only a signed contract from by a signed contract and signature from the original debtor whom they claim to be or supposedly collecting on behalf. And nothing, no avail, no response, no resolution.
Product: Mortgage

On XX/XX/2020, we applied for a home mortgage loan through Navy Federal, and we were supposed to close on XX/XX/2020. XXXX XXXX, our mortgage processor, failed to acknowledge our final purchase price, which was given to her by our builder seller in several email communications. We didn't get closed in time, nor did she communicate efficiently to keep us in the loop. We didn't know we could not close until the day of closing and after which the closing time would have taken place. We were told by XXXX XXXX that our home 's final sale price was not taking into consideration for the appraisal, which would cause a ripple effect of us being upside down in the down payment and closing cost. Meaning we would have to bring an additional {$27000.00} to closing. Which is insanity and totally irresponsible as doing business. By not closing within the contract agreement signed by us and acknowledge by our mortgage processor and officer. We were charged late fees and daily charges by our builder XXXX XXXX for not closing specifically by XX/XX/2020. 


XXXX stated it would be only 2-3 business days. It has been weeks and months later, and we never did get a response from Ms.XXXX  to get and determination of the reconsideration of our appraisal from the appraiser. As the buyers, this process was longer than expected It has been past 60 days to date since our application has been submitted. We had to pay the late fees and more money because we applied with a different lender. With all the loan processing and duration, we would not have made it in by the deadline with our contract to close with our builder XXXX  XXXX  ; a financially binding contract that we had with the sellers. In which we couldn't afford to lose because we had five percent down. And, we feel the financial institution Navy Federal, whom we bank with, didn't care! As the buyers, we feel that someone from Navy Federal could have more clarity!

From mishaps, switching processors in the midst of our loan, to very little or no communication from our financial institution, unless we call in several times a day, or unless we incinerate the email communication. Navy Federal has not been very much proactive or honest and clear from a lending standpoint. 

Also, the Navy Mortgage team not acknowledging purchase prices in the beginning stages of our loan on new construction to final prices. Not transferring information over to those who need it. Many back and forth with our closers on sent over already gathered information multiple times from the seller, and gathering info from ( us ) as the buyers. Sending information over at the end of the business day after XXXX XXXX Est. Mainly on Fridays. 

And to top it off, the day of closing, two hours after our initial setup time of closing, we get a first-time call ever from our processor XXXX XXXX, that we will not be closing after we have taken off from work and had set up pre-scheduled movers. We find this all very unprofessional on Navy Federal part! 

We digress in the way this whole experience has been! It has not been pleasant and is very much stressful!
Product: Money transfer, virtual currency, or money service

I am writing 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 and Zelle failed to investigate my claims adequately.They informed me that recovering lost funds was impossible and that tracking these transactions was infeasible.They informed me CFPBS finding 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 informed me lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 14th request to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX Balance : {$1100.00}, XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1100.00}XXXX XXXX XXXX  Bankruptcy Reference # XXXX Filed/Reported : XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXXXXXX XXXX XXXXXX/XX/XXXX, XXXX XX/XX/XXXX, XXXXL XXXX XX/XX/XXXX, XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX  XXXX XX/XX/XXXX
Product: Debt collection

I have not been notified of the debt in writing at any point. I initially noticed the debt when it appeared on my credit in XX/XX/2016. The collection agarncy stayed that it was for emergency room services that I received. I disputed with the collection agency and gave my insurance information as my insurance has paid out all my bills and I have not owed any balance. The collection reappeared on my credit. I did not receive any information regarding the status of the dispute or any other communication. Ive contacted the ocollection agaency and they were rude and could not help me. I told them that this could not be for a visit from me and I believe t was for my son. They said that this was a bill for me being serviced and not my son. Ive sent debt validation letters with no change. Ive contacted he emergency room and hey have no open bills for me. Ive contacted the original debitor XXXX XXXX XXXX and they confirmed that this was a bill for my son. They said they requested information from the client and if that was true they would remove it from my credit If the correct information would have been given to the collection agency this could have been resolved as me and my son have separate insurance information. I asked could they give this information to they collection agency and they gave me the run around and told me to call the emergency room and fax those record to the collection agency. I then called the collection agency to get them this documentation and they refused iy saying that the client XXXX XXXX XXXX   needed to contact them and they could not accept any supporting documents from me. The collection agaency is receivable management p in XXXX Michigan. They would not let me speak to a manager and was beyond rude. I called XXXX XXXX XXXX to let them know what I was dealing with and that I am trying to resolve the debt. If the collection agaency had given me the correct information this could have been settled. They would not help or transfer me to a manager.
Product: Credit reporting

I contacted all three credit rating agencies regarding an item appearing on all three reports. XXXX and XXXX both removed the item as it had been on my credit report for 7 years. Equifax shows it with a deletion date of XX/XX/2016 while the other agencies had it with a date of XX/XX/2016. Item is an XXXX XXXX item in the amount of {$1100.00}. Acct # on Equifax is XXXX Clearing these items is critical to a house purchase we want to make and this item is impacting my score. Requested they remove as XXXX and Experian had done. They simply sent back notice saying that Consumer Disputes This Account and took no further action. Equifax records should be in sync with XXXX and XXXX. Please request Equifax remove this item from my credit report.
Product: Money transfer, virtual currency, or money service

I normally sell goods on XXXX, but I don't know why my money was taken away by PayPal .I am a legal American citizen .I did not sell any illegal products. 
PayPal - negative {$6800.00} XX/XX/XXXX Transfer Loading transaction details for PayPal - negative {$6800.00} XX/XX/XXXX Transfer You reported a problem with this transaction. See the status of your case in the Resolution Center. 
Paid with Balance {$6800.00} Transaction ID XXXX Seller info PayPal Note {$6800.00} USD ; PayPal Posting Date : XX/XX/2019 ; Payment to : Paypal ; PayPal 's damages caused by Acceptable Use Policy violation