23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX ACCOUNT NUMBER-XXXX To Whom It May Concern, I am in total disagreement with your investigation response. The incorrect items listed above 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. 

Furthermore, 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 with above, so that I may follow up.

2. The date you contacted the individual funishers 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: Credit reporting or other personal consumer reports

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

My account with ( CREDITOR NAME ) was never late! I have had exceptional payment history witH XXXX XXXX and 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 reported in those account 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.

( CREDITOR NAME ) 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: Checking or savings account

Spoken with Chase representatives the night of XXXX, They asked me if I would like a new card I declined stating that the issue has been handled and that they should not make any actions on my account. On the morning of XXXX I was informed that Chase has went against my request and deleted my accounts and card information in the process of doing so they are currently garnishing funds from the state and my job and isn't allowing me to have access to my fund or distributing these fund to me at all. I am currently going through financial hardship and have made they knowledgable about this months prior.
Product: Credit reporting or other personal consumer reports

They have received the affidavit listing all of the legal violations of the Fair credit report act which are {$1000.00} per violation per their laws. They at this point have chose to default and not adhere to the legal statue and codes refusing me the legal remedy Im entitled to as a consumer Section 604 ( f ) prohibits any person from obtaining a consumer report form a consumer reporting agency ( CRA ) unless the person has certified to the CRA the permissible purpose ( s ) for which the report is being obtained and certifies that he report will not be used for any other purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. I have filed a police report and filed a complaint through the ftc. In the year of XXXX I misplaced my purse at XXXX with my dl & social security cards, debit card for me and my children. The following items are appearing on my credit report as a result of me being victimized I am requesting that these be removed immediately as it is destroying my credit reputation. I had no knowledge of these accounts until a year ago ( XXXX ) and tried disputing directly with credit companies. Please help me with this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to all three credit bureaus on XX/XX/2022 and again on XX/XX/2022 to investigate errors on my credit report. These errors include the reporting of a bankruptcy XXXX  XXXX. They failed to respond as well as remove this inaccurate information as stated under 15 U.S.C. Sec.1681i ( a ).
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX XXXX Account Number : XXXX XXXX  XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX and so on
Product: Credit card or prepaid card

Talked to XXXX of card member services @ XXXX XX/XX/18 and XXXX XXXX XXXX XXXX @ XXXX XX/XX/18 regarding my credit card which they closed and regarding the increase in interest rate. XXXX stated that I should have gotten a separate letter stating my promotion ended on my credit card. I was never notified of this therefore shouldnt have to pay the increased interest rate.
Product: Debt collection

I HAVE TRIED TO DISPUTE THIS DEBT NUMEROUS TIMES PER : Title IV of the Consumer Credit Protection Act. Section 401.
Product: Credit card or prepaid card

The payment system and deceptive billing practices used by XXXX  seem to intentionally cause customers to default, or have late payments.

For example, if a person makes a payment on the due date. XXXX  will not process the payment until a few days later and post the payment on the day they processed the payment ( not the day it was made ). Therefore, the customer incurs a late fee for a late payment.

A second scenario, a customer makes a payment 3 days prior to the due date. XXXX  still processes the payment after the due date and post the payment to their customers account after the due date. The customer still incurs a late payment fee, because XXXX  did not process the payment until after the due date, although the payment was made before the due date.

The payment system used does not seem stable and has had issues processing payments. Also, causing customers to keep trying to make a payment online and sometimes will cause the customer to be late. Or force the customer to submit a payment in an alternative method ( mail ) which will also cause the customer to incur late fees and a late payment.

XXXX also reports an account as " Closed '' to the three Credit Agencies, even though the account is truly not closed by XXXX or the customer.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX  XXXX has violated my rights. Under 15 U.S.C 1692 b ( 2 ) ; Under 15 U.S.C 1692 b ( 5 ) and Under 15 U.S.C 1692 c ( a ). Also 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 an account without my written instructions.

Transunion Credit bureau is currently reporting inaccurate information on my report such as multiple inaccurate names and addresses that are not mine, account status shows Date Opened inaccurate, Last reported date is inaccurate, Date of Last Activity is inaccurate, missing data and a Charge-off reporting a balance. It is my understanding that the creditor reports the same information to all credit bureaus as expected under FCRA. Transunion is not practicing Metro 2 Compliance? These are clear FCRA violation and is grounds for immediate deletion. 
Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA they are required to " promptly DELETE all inaccurate information. '' 1. Please DELETE inaccurate or fraudulent names off my credit report below XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX. I have been a homeowner for over 20 years. Please remove all incorrect or fraudulent ( X ) addresses off my report, as they are not deliverable to me by the U.S. Post Office, and they are not reportable as per the FCRA, since they are inaccurate
Product: Checking or savings account

This is an on-going problem ONLY with Bank of America Business Checking account. I have similar accounts with XXXX XXXX and XXXX and never had this problem. 

The scenario that I would describe occurs every time I use my business debit card to purchase fuel from any gas station. Every time the purchase is made that day, I would check my account online and would see that gas purchase marked PROCESSING and the amount debited from the balance that evening. In a day or two, that line item transaction DISAPPEARS and RE-POST three days after the original purchase date. Each morning, I depend on BOA to send me a phone notification of my current balance so I can make the decision how much I can use the debit card each day. Since there is a FLAW in that BOA removes the line item gas purchase displayed on the first day purchase, each morning the phone notification I received is INACCURATE and USELESS for me to keep track. Because of inaccurate balance notification on my phone, several times the account would charge an OVERDRAFT FEE because the gas purchase that originally was " PROCESSING '' three days ago would RE-APPEAR to POST on the third day after I made other purchases that would create a shortfall of funds. 

The main problem here is that gas purchase originally purchase today and would show PROCESSING today would DISAPPEAR in two days from the line item online transactions and REAPPEAR three days later to POST the charge, hence the balance notification becomes USELESS and INACCURATE to depend on. Again, this is an on-going problem and I can recreate the problem with an investigation staff or would ask other consumers if they have similar problems.
Product: Money transfer, virtual currency, or money service

I am writing to formally express concerns regarding the handling of disputes by Zelle, particularly in the light of the CFPB lawsuit which highlights significant issues with the platform using XXXX  XXXX. Despite using Zelle multiple times my financial institution and Zelle failed to investigate my claims. I was informed that recovering lost funds would be impossible and that tracking these transactions were unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system leaving users like me vulnerable to scams.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the information through the credit bureaus and the company Capital One has stated the information is correct although it is not. The account has been sent to another company and is no longer with Capital One. The credit card account is showing that an amount of {$480.00} is owed to Capital One. When I contacted them to resolve the matter they informed me that they no longer have the account. 

If the account is no longer with them and has been bought by another company then it is only right that they report the balance is XXXX with them which they are not. I would like this issue to be resolved immediately because I am in the process of purchasing a house and this is a blemish on my credit file that can be easily resolved with reporting correctly. 

Due to this error I would like to have this information removed from all three credit bureaus. The company 's investigation proved not to resolve the issue at hand.
Product: Checking or savings account

I'm moving to XXXX for employment and they offer HSA through Optum Bank. Both XXXX and Optum Bank say the other party should be providing me with a full and complete schedule of fees.
Product: Mortgage

I had an FHA mortgage with Roundpoint Mortgage Servicing Corporation ( RMSC ) and I refinanced with another lender on XX/XX/XXXX. The payoff sent to RMSC was short. I was never contacted to say my loan was not paid off. I found out in XXXX when I looked at my online account. After 13 phone calls, I could not get an answer as to how to resolved the problem. On XX/XX/XXXX, with the help of my new lender calling several times as well as myself, I was able to get a breakdown on a spreadsheet of how my payoff funds were applied and the shortage amount from the XX/XX/XXXX closing. I contacted RMSC several times to ask how to send the shortage amount. On XX/XX/XXXX I spoke to customer service. They took my shortage amount payment over the phone using a debit card and said I would receive a letter stating my loan was now paid off along with an apology because of the " back and forth for so many months. '' Those documents never arrived. I checked my online account on XX/XX/XXXX and found the money they collected over the phone was labeled as suspense/unapplied funds. When I called, I was told I needed to pay more to settle the account because the " payoff '' had increased since XX/XX/XXXX. I was also told that their cashiering department did not know how to apply the original shortage amount I paid on XX/XX/XXXX. RMSC is still making escrow disbursements even though I notified them of the situation and spoke to them several times since XX/XX/XXXX. I got their Consumer Ombudsman involved however she was not able to help me reach a resolution. I have also been reported late to the credit bureaus by RMSC for the last two months because they are saying that I haven't paid my regular payment due XX/XX/XXXX and I'm now reported as late 60+ days. I was told by several reps that my account would not be reported late because it was " on hold '' or " frozen ''. I have since been declined a vehicle loan because of this specific negative credit account and my score has decreased 53 points since XX/XX/XXXX. RMSC has the shortage money but they will not apply it to my payoff and close this matter after nearly 5 months and over 20 phone calls and 30 emails. I have also filed a complaint with my state 's attorney general 's office and asked for assistance from a HUD Counselor.
Product: Money transfer, virtual currency, or money service

I am writing to express my concerns regarding Zelles handling of disputes, especially in light of the recent CFPB lawsuit highlighting significant platform issues. Despite using Zelle frequently and reporting discrepancies, my financial institution and Zelle failed to adequately investigate my claims, stating that recovering or tracking the lost funds was impossible. The CFPBs findings reveal Zelles failure to protect consumers, allowing repeat offenders to exploit the system and leaving users vulnerable to scams. This lack of transparency and accountability is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

NUMEROUS TIMES I HAVE REACHED OUT TO YOU AND ALSO TO XXXX  AND THE 2 CREDITOR ON MY CREDIT REPORT. BUT I GET NO RESULTS, SINCE EVERYONE SITTING IN THEIR NICE OFFICES ARE COMING TO SOME CONCLUSIONS. THIS ACCOUNTS WERE OPENED WITHOUT MY CONSENT, MY PERSONAL INFORMATION WAS STOLEN, MY EAIL, MY MAILBOX WHY IS IT SO HARD FOR YOU GUYS TO UNDERSTAND THIS, AND I HONESTLY BELIEVE THIS IS I AM NOT THE ONLY PERSON WHO HAS THIS ISSUE, I BELIEVE UNTIL THIS HAPPENS TO ONE OF YOU YOU WILL NOT UNDERSTAND HOW DIFFICULT IT IS TO PROOVE YOUR INNOCENCE. I HOPE THIS NEVER HAPPENS TO ANYONE BECAUSE NOT ONLY YOU HAVE TO DEAL WITH PEOPLE LIKE YOU WHO DOESN OT BELIEVE AND YOU HAVE TO CHANGE EVERYTHING WITH THE POST OFFICE FOR ME I HAD TO CLOSE MY BANK ACCOUNT AND GO TO COMPLETELY DIFFERENT BANKING INSTITUTION, I AM VICTIM OF AN IDENTITY THEFT, I NEED THESE FRAUDULENT ACCOUNTS TO BE REMOVED FROM MY CREDIT REPORT.
Product: Credit reporting or other personal consumer reports

I am writing to bring your attention to a fraudulent inquiry on my credit report that I have no knowledge of. This inquiry is unauthorized, and I did not give permission for it to be made.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account shows several incorrect amounts of late payments. XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 
Account is over 8 years old.
Product: Credit reporting or other personal consumer reports

**Consumer Financial Protection Bureau*XXXX XXXX XXXX XXXX XXXX, IA XXXX **Subject : Opting Out of Credit Reporting and Violations of the Fair Credit Reporting Act and the Privacy Act of 1974** **Account : XXXX XXXX XXXX* To whom it may concern, I am writing to formally opt out of any credit reporting on my consumer credit reports and to address violations of my rights under the Fair Credit Reporting Act ( FCRA ), 15 USC 1681, and the Privacy Act of 1974 ( 5 USC 552a ).

As a federally protected consumer, I assert my right to privacy as outlined in the FCRA, 15 USC 1681a, and invoke my right to opt out of any reporting on my credit reports. Reporting my transaction history without my explicit consent is illegal and violates my rights under the FCRA.

According to 15 USC 1681b, I have never given written authorization to report personal information on my credit reports. Furthermore, P.L. 90-321 ( 82 Stat. 146 ) specifies that any agency can only access my report in response to a request by the head of a state or local child support enforcement agency.

In addition, 15 USC 1681c states that no consumer reporting agency may make any consumer report containing adverse items of information other than records of convictions of crimes older than seven years. Any derogatory mark on my report is a violation of this section.

According to 15 USC 1681n, civil liability for willful noncompliance allows for damages of not less than {$100.00} and not more than {$1000.00} per violation. I can prove willful violations and am entitled to compensation.

The Privacy Act of 1974 ( 5 USC 552a ), subsection ( b ), states that no agency shall disclose any record without prior written consent. I have never authorized such disclosures.

Per 12 CFR 1016.1 ( Regulation P ), I have the right to opt out of disclosures to nonaffiliated third parties. Companies must provide a privacy notice and comply with opt-out requests promptly, as per 12 CFR 1016.4 and 1016.7. I have not been given the opportunity to opt out of any reporting. Additionally, 15 USC 6802 requires opt-out notices for any information added to my consumer reports. 
Given these violations, I request the removal and deletion of the XXXX XXXX XXXX account reporting on my credit reports. This is an opt-out notice and removal request, not a validation or verification of debt. 
Thank you for your prompt attention to this matter.
Product: Credit card or prepaid card

I 've had my Capital One Master Card for over 10 years, I got it during college to build my credit. My credit has substantially improved and for the past 5 years or so I called capital one and tried to cancel and they would waive the {$49.00} membership fee to keep me as a customer. Last year I called to try to have to fee removed for good, and the rep stated that could not be done. He did once again offer to waive it because I 've been a long time customer. He also stated if I call every year around this time I could get it waived, I agreed to keep the card because of this. I also told him to notate my account that he stated that. Today I called capital one and was told they could not remove the fee because their policy recently changed. I escalated to the supervisor and told him the rep last year said I could get it waived this year which is why I chose to keep the card. He reinforced the new policy and stated that if everyone got fees waived capital one would not make money. I told him I was misled into keeping this card, his answer remained unchanged.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Time has already passed but up until now, I havent heard any kind of response from the 3 Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX Balance : {$0.00XXXX XXXX XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a veteran who is trying to use my Va Loan XXXX XXXX. XX/XX/XXXX amount XXXX settlepaid in full still show I own them when I do not. They say the report weekly but have not done anything yet. I will also like to get this account deleted. XXXX  XXXX. XX/XX/1991 dollars and XXXX dollarspaid in full for XXXX  XXXX XXXX paid in full would like to get this account deletes XXXX  XXXX. XXXX dollarswould like to get this account deleted paid in full. XXXX XXXX. XXXX dollarswould like to get all this account deleted. These accounts is blocking my way of home ownership with using my va loan. I am asking for this accounts to be deleted off of All three credit bureau Equifax XXXX XXXX credit reports
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a lease with XXXX that was completed over a year ago. Infiniti Financial Services keeps reporting a balance on my credit report even though this lease was completed over a year ago. This is affecting my credit score and they are in violation for the inaccuracies they are reporting on my credit report. My attorney has advised me to make a final attempt to have them correct this before moving towards litigation.