23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

Sun coast credit union committed insurance fraud. I was late on payments and my vehicle was out for repossession. Upon being notified I reached out and paid owed balance and repossession fees bringing the loan status to current. After this I continued making the monthly payment when XXXX contacted me stating the bike is out for repossession again by them. Sun coast credit union claimed a total loss on the motorcycle and took a payout leaving me to pay the difference of {$2800.00} which is still on my credit report. After talking to XXXX XXXXXXXX numerous times they are unwilling to do anything in the matter except take a settlement. This is just wrong.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX, XXXX XX/XX/XXXXXXXX, AND XX/XX/XXXX was never late! I have had exceptional payment history witH XX/XX/XXXXXXXX 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 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 XX/XX/XXXXXXXX, AND 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: Debt collection

Veros credit has reported to the credit bureaus, the same account three times with different amounts.Each has the same account number listed. The amounts are XXXX, XXXX, & XXXX. These are false statements.
Product: Debt collection

I have no affiliation to this company. This company has called multiple times throughout the day and late into the day. I want to get this removed.
Product: Credit card

On almost every occasion that I fly and use United  ( and this is in multiple airports, including XXXX XXXX and XXXX on multiple occasions in each place ), United has a sign that one-time pass holders are not able to enter their lounges. I receive 2 one-time passes a year from United because I have their Mileage Plus Explorer card, which I pay an annual fee for. Part of the reason I signed up for the credit card and agreed to pay the annual fee is because of the value of the lounge passes. However, almost every year since Ive had the card, Ive never even been able to use the passes because United wont let me into the lounge. Theres no advance notice or way to tell if a lounge is going to accept one-time passes other than physically walking to the lounge and seeing the sign. This is total misrepresentation of the value of the card because I would not have signed up for a card with an annual fee if the lounge passes hadnt been a perk. They are a perk in name only because they are virtually unusable. 

The feedback button on the United app is also broken. I tried to submit feedback that way but there was no functionality.
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year>
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Tx. XXXX DOB : XX/XX/year> SSN : XXXX Letter to remove inaccurate reporting of CREDIT INFORMATION TO WHOM IT MAY CONCERN : I received a copy of my credit report and found the following items to be error. Here as follows are items being report as ( CHARGE OFF ) in error : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX This debt is considered a charge off However XXXX this actually considered income because I should have received a 1099c in order to account for this as income. This is not charged off. Im requesting that this is removed because it is not debt. This is considered income according to the IRS canceled debt income and INCOME SHOULD NOT BE REPORTING ON MY CREDIT REPORT.
Product: Debt collection

Asked for verification of debt ( have been asking since 2016 ) nothing has been sent and company has called my job and gave false information to the Bureau XXXX, XXXX and XXXX.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX # XXXX XXXX # XXXX XXXX XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 of 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

For over 3 yrs and 3 months now. This company has been harassing me, as well as making a major delinquency red flag on my credit. XX/XX/2019. Started with the harassment phone calls, threatening. So I spent days, which than turned into weeks and months. Just trying to communicate with them civilly yet was tossed aside. Due to the fact that I went and got the proper medical documentation and proof of the account being fully paid off by my insurance. I mailed them in my documents of proof. They mailed it right back claiming it was the wrong address sent to. Durning those weeks and months. They were gradually adding on fees and lowering my score every single time tremendously. I than reached out to XXXX XXXX many times about how all of this is wrong. Every investigation has come back as the account is stil open and I owe. I reached out to my attorney generals office about this. They have told me that this company has been reported for their legally wrongful acts once or twice before. So it being over 3 yrs now Im over this fraud they are committing.
Product: Checking or savings account

I wrote a check to my land lord for the month of XXXX XXXX XXXX for {$570.00} and it was cashed. It was not cashed by my land lord but by a Construction Company illegally. 
I had to write XXXX to replace XXXX for {$570.00} to my land lord and it was cashed correctly ; by my land lord. *At the same time this was happening in the month of XXXX, my land lord was calling looking for XXXX rent, I had already issued out my rent check for the month of XXXX, which was XXXX for {$570.00}. At that time he indicated that my rent was being raised to {$600.00} a month because of this. I supplied the cashed check showing it was cashed illegally by the Construction Company. Didn't matter so I had to issue XXXX for {$600.00} for the month of XXXX. On XXXX/XXXX/21 a deposit was issued into my acct. for {$570.00} and XXXX/XXXX/21 for {$570.00}. On XXXX/XXXX/21 {$570.00} was removed from my account as a debit by PNC. Now I am being told that my land lord has the extra {$570.00} that I am owed and I can't get something in writing explaining what happened. My land lord believes he has no extra money and expects XXXX rent. Today 's explanation was that even though the Construction Co cashed the check it still came out of my account. The {$570.00} that was removed XX/XX/21 is my actual money. 1. this should of never impacted my account in the first place. 2. I want an detailed explanation for my records & to supply my land lord who will try to evict me over this. 3. I'm not sure how I'm chasing down my money 4. they shouldn't be able to go into accounts pulling money without issuing something in writing regardless, especially when it was their errors in the first place.
Product: Checking or savings account

On XX/XX/year> I initiated XXXX transactions with my Sofi debit card at an XXXX ATM  XXXX ID XXXX, located at XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX The first transactions failed to dispense the {$XXXX} I requested. The second transaction dispensed the {$XXXX} I requested. My Sofi bank account was debited for both transactions. I called the number listed on the ATM ( XXXX  ) and was given case number XXXX to give to my bank ( SOFI ) for the failed ATM transaction. The agent stated that funds of {$XXXX} had been credited back to Sofi Bank and that Sofi Bank would need to credit my account. The same day, I made a transfer of {$XXXX} from my XXXX account to my XXXX account to cover the {$XXXX} ATM failed transaction. XXXX XXXX completed at XXXX XXXX  on XX/XX/year>. ID XXXX. On XX/XX/year> XXXX returned a {$XXXX} payment to XXXX that I had initiated on XX/XX/year> on XXXX 's payment website. XXXX charged me a {$XXXX} insufficient funds fee and a {$XXXX} late payment fee. On XX/XX/year> XXXX processed the XXXX transfer I made on XX/XX/year> and I filed claim dispute # XXXX with Sofi Bank for the failed ATM transaction of {$XXXX}. On XX/XX/year> I Initiated a new payment of {$XXXX} to XXXX XXXX and XXXX processed the payment on XX/XX/year>. On XX/XX/year> at XXXX XXXX  I Chat with XXXX agent online and request {$XXXX} fees be reimbursement to me for XXXX fees charged. XXXX declines my request and ends chat. On XX/XX/year> I received a provisional credit of {$XXXX} from Sofi Bank. On XX/XX/year> I receive an email from Sofi Bank with a denial letter of claim and notice of funds being debited for {$XXXX} on XX/XX/year> for the provisional credit issued on XX/XX/year>. I filed a XXXX on XX/XX/year> with XXXX for the {$XXXX} failed ATM transaction. On XX/XX/year> I received an email from XXXX with a denial letter of claim. On XX/XX/year> at XXXX am, I started a chat online with Sofi bank to request claim denial supporting documents for the claim filed XX/XX/year> and to find out the dates the XXXX claims would be closed out on the network. They confirmed that claim XXXX closed on XX/XX/year> and claim XXXX closed on XX/XX/year>. Supporting documents are emailed to me and they reference an account that is not mine with an ATM transaction of {$XXXX} in addition to the XXXX transactions of {$XXXX} each that I initiated on XX/XX/year>. I've gone through XXXX escalated case process to try to recover the {$XXXX} failed atm transaction, but they denied the claim because XXXX still has open chargebacks on the network.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding XXXX 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using XXXX numerous times and reporting discrepancies, my financial institution and XXXX 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 XXXX 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 consumer safety. 
I want the
Product: Credit reporting, credit repair services, or other personal consumer reports

I received an email stating i applied for a card from verizon.
Product: Credit reporting or other personal consumer reports

Since XX/XX/XXXX  till XX/XX/, XXXX on behalf of XXXX XXXX have been checking my XXXX. Not sure why or how to make this stop but it is negatively effecting my credit and ability to open a bank account. Please make this stop!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023, I disputed credit report inaccuracies with several furnishers. Despite the FCRA, they didn't inform credit bureaus about my disputes. My updated credit reports still show the wrong information, impacting my credit score. 

On XX/XX/2023, I disputed federal student loan inaccuracies with DEPTEDXXXX as I'm eligible for CARES Act relief. They wrongly reported late or missed payments, creating financial hardship and preventing me from buying a home. 

I request CFPB 's help in investigating these furnishers and XXXX  for non-compliance with the FCRA and CARES Act, and to resolve these credit report issues.DEPTEDXXXX  - XXXX - Under 15 US CODE 1681s2 ( F ) Reporting Information During Covid19 Pandemic - Update to paid as agree and remove late payments from payment history. 

DEPTEDXXXX - XXXX - Under 15 US CODE 1681s2 ( F ) Reporting Information During Covid19 Pandemic - Update to paid as agreed, never late. Remove the inaccurate late payment from my report. 

DEPTEDXXXX  - XXXX - Under 15 US CODE 1681s2 ( F ) Reporting Information During Covid19 Pandemic - Update to paid as agree and remove late payments from payment history. 

XXXX - XXXX - Under 15 U.S.C 1681e ( b ) Compliance Procedures Maximum Possible Accuracy - Delete this account immediately XXXX XXXX XXXX - Under 15 U.S.C 1681e ( b ) Compliance Procedures Maximum Possible Accuracy- Please Remove This From My Credit Report Immediately XXXX XXXX XXXX XXXX - Under 15 U.S.C 1681b Permissible Purposes Of Consumer Reports- Please delete this from my credit report immediately XXXX - XXXX - 15 U.S.C. Section 1681i Paragraph 5 Treatment of Inaccurate or Unverifiable Information. - Please delete immediately XXXX - XXXX - Under 15 U.S.C 1681e ( b ) Compliance Procedures Maximum Possible Accuracy - Delete this account immediately XXXX  - XXXX - Under 15 US CODE 1681s2 - Responsibilities Of Furnishers Of Information To Consumer Reporting Agencies ( a ) Duty Of Furnishers To Provide Accurate Information - Delete this account immediately. 

XXXX XXXX - XXXX - Under 15 US CODE 1681s2 Responsibilities Of Furnishers Of Information To Consumer Reporting Agencies ( A ) Duty Of Furnishers To Provide Accurate Information. Payment Status Is Inaccurate. - Delete this account immediately. 

Incorrect Name - XXXX XXXX  Incorrect Address - XXXX XXXX XXXX XXXX, XXXX, FL, XXXX Incorrect Address XXXX XXXX XXXX  XXXX, XXXX, FL, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently applied for a XXXX XXXX XXXX, XXXX World Mastercard card. I was denied the card based on outdated information used by XXXX XXXX XXXX. My current credit history shows no judgements, they are basing the denial on outdated accounts, an information that has been deleted from my credit report.                  My current credit scores with the major 3 reporting agencies shows my scores are all over 800. I currently earn an income of over $XXXX  dollars.  I feel this in violation of the Federal laws, also I have been a customer of XXXX XXXX XXXX since XXXX. I am a retired military veteran (XXXX).                  I feel this is a discrimination, based on my age, and ethnicity, the wording of the rejection insults my intelligence and shatters my belief in the american dream, that if you work hard, acknowledge your mistakes you can achieve your financial dreams in America. I would not have filed this complaint if my credit scores and my savings were not good. But to deny me this credit card based on old information and not my current credit score is just wrong. I am hoping your office can get XXXX XXXX XXXX to recant this decision or explain their interpitation of federal law. I am attaching a copy of the rejection letter for your review.Very sincerelyXXXX XXXX. XXXX
Product: Mortgage

On XXXX separate occasions Nationstar Mortgage failed to send me statements and XXXX notify me by email or phone that payments were not received. 
On XXXX Nationstar failed to send a statement on account XXXX. 
I mailed in the payment to them and wrote the account number in the memosection of the check. They either did not process the payment or did notreceive it. In any case they made no attempt to reach out in any anyway, either by email or phone call. they did the exact same thing onaccount number XXXX on XXXX. No statement, no call, no emails. 
After 57 years Nationstar is the only negative report I have EVER hadposted to my credit report. I find their practices unethical and believethey should make and attempt to notify the customer so the customer haschance to correct it before it is reported!!
Product: Credit reporting or other personal consumer reports

Equifax XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, GA XXXX Dear Equifax, I am writing to request a letter to verifying my identity for the verification process. 

Please find below the details verifying my identity : I kindly request that this letter be addressed to the appropriate party. 

Removal of any blocks placed on my credit file. 


Thank you for your prompt attention to this matter. Should you require any further information or verification, please do not hesitate to contact me at XXXX Sincerely, already mailed identity verification certificated mail
Product: Debt collection

I started an account with XXXX for a cell phone. Even after i paid the bill and my son transferred the account to his name, they still tried to come after me for almost {$720.00} dollars. Now they have sent the account to collections and a debt collector is coming after me for this debt I do not owe.
Product: Credit reporting, credit repair services, or other personal consumer reports

I used XXXX XXXX XXXX to get a settlement of a credit card debt, ( 1 ) the settlement resulted in a debt reduction of {$7200.00} was agreed to and all the balance ( {$6100.00} ) payment made in 12 monthly payments, until paid in full. Upon completion of settled payoff XXXX Sold the Reduction amount of {$7200.00} to XXXX XXXX  XXXX, XXXX. as unpaid debt. Now XXXX XXXX  XXXX, XXXX are Seeking payment in full for the amount of {$7200.00} as a debt owed to their company and notified all Credit Bureaus of lack of payment in the debt collection progress.
Product: Credit card or prepaid card

NetSpend card was assigned credit load value, now isn't working. 

ATM provides balance, though card isn't working at XXXX or ATM or otherwise. 

As I described this with NetSpend customer service, they seemed to help but nothing was solved. They would be asking my account identifying information multiple times.
Product: Debt collection

I have contacted this company so many time and I was told to send in paperwork that I have sent in over  5 times an d never gotten a response the account was opened up fraudulently in my name I gave them everything they asked for and heard nothing called so many times no was able to tell me anything until I received something in mail saying they are closing the case because they have n't received papers I know that it 's not the case because a rep said they received it over the phone and I had to wait to do the investigation this company is jerking me around only to find out that this business is not even licensed to do business in my state they have a corporation service company in California but that is it no rights to collect a debt in California they are breaking the law I found this out when I went to the courthouse in my state of California
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my credit profile as of XX/XX/2023 there had been 2 discrepancies reporting on my credit report from Rent Recovery Solutions holding an open balance of XXXX. These accounts are negatively hurting my credit profile and I ask for them to be removed immediately. 
15 USC 1681 section 604 states any consumer reporting agency may furnish a consumer report under the following circumstances, in response to the court order having jurisdiction to issue such an order or subpoena. Or in accordance with the written consent of the consumer. If this is true indeed my debt please send the following documents with my written consent. If not please remove all accounts on all 3 bureaus that is negatively affecting my credit profile.