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

My account with XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX 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 XXXXXXXX XXXX XXXX XXXX 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  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: Credit reporting, credit repair services, or other personal consumer reports

THIS IS NOT AND DUPLICATE!!!!!!!!!!!! 





In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally profected consumer rights to privacy and confidentiality under 15 USC 1681. I told the credit bureau XXXX, and Equifax to reinvestigate these accounts XXXX XXXX XXXX XXXX  Account number XXXX XXXX XXXX XXXX XXXX  Account number XXXX. 

However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681 ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 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.
Product: Credit card or prepaid card

I received a prequalified-to-apply mail from Citibank. On XXXX, I made a phone call to confirm that they will not ask for any type of citizenship or permanent residency documents, since I had heard from two other people that they have asked for those documents from foreign nationals with certain nationalities in the past. The operator replied to my inquiry as : " we will just ask about your nationality in your application and if not a citizen, a social security number, and a state ID or driving license would be fine in case we need to verify your identification. '' I submitted my online application the same day, and in a few days I received a letter from Citibank asking me to provide a US passport or a permanent residence card. When I called their customer service I've been told that for my case I have to visit a Citibank branch. Then the problem is that Citibank does not have any branches in the state of Hawaii, and the closest branch is XXXX miles away. They were only polite to say that we apologize if you called and you were mistakenly misinformed, and refused to remove the hard pull on my credit report. I also don't find it reasonable for a bank to advertise, sending mail offer, to the locations that they do not provide any local services.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding XXXX handling of my disputes, particularly in the light of 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 tracking these transactions are infeasible. The CFPB findings indicate that Zelle has not only neglected to protect consumers but has also repeat offenders to exploit the system leaving users vulnerable to scam. The lack of accountability and transparency is unacceptable and raises concerns at consumers safety.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX XXXX Account XXXX Account Name : XXXX  Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX XXXX  Account XXXX Account Name : XXXX XXXX  Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXXXXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXXXXXX XXXX Account XXXX has violated my rights. Or a list of inquiries : 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE DISPUTED BANKRUPTCY HAS BEEN DISMISSED AND NEEDS TO BE REMOVED OFF MY CREDIT REPORT. IT HAS BEEN CAUSING TREMENDOUS HARM TO MY CREDIT FILE AND HAS BEEN REPORTING WITHOUT MY KNOWLEDGE. PLEASE HAVE THIS ACCOUNT REMOVE.
Product: Credit reporting or other personal consumer reports

on XX/XX/XXXX I Discovered a fraudulent account on my credit profile From XXXX XXXXXXXX XXXX. The creditor that is reporting on my report is XXXX XXXX XXXX  for the amount due of {$1600.00} ( Account # XXXX ) On XX/XX/XXXX I filed an identity theft report and a police report with my local department. I also filed a dispute with XXXX and Equifax requesting this item be removed due to being fraudulently obtained in my name. This Dispute process has gone on way to long and i have yet to see any results being made. 

Today is XX/XX/XXXX Almost a year later and I am now reaching out to the CFPB to investigate more into this situation.
Product: Credit reporting or other personal consumer reports

I have recently noticed that my credit report contains incorrect personal information, which has led to the appearance of these unknown and inaccurate accounts. As a victim of identity theft, my personal information was used fraudulently, and now I am seeing accounts on my report that I have no connection to. Following TransUnion 's guidance, I filed an FTC Identity Theft Report and submitted it along with all necessary documentation. Despite these efforts, these fraudulent accounts remain on my report, which is completely unacceptable. 

Additionally, I am also submitting this complaint regarding an inaccurate and unauthorized collection account being reported on my credit file by TransUnion. I had previously requested that the debt collector responsible for this account cease all communications with me, as outlined in the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692c ( c ), which legally requires debt collectors to stop all forms of contact upon receiving a cease-and-desist request. However, despite this, the debt collector continues to report the account to the credit bureaus, which is a direct violation of my rights and is negatively affecting my credit score and financial stability. Furthermore, this reporting violates the Fair Credit Reporting Act ( FCRA ) as the information is inaccurate and remains on my credit report even after my formal dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

Today is XX/XX/2021. To Transunion and XXXX, your client XXXX  XXXX & XXXX XXXX XXXX XXXX has yet to answer ONE complaint out of more than 100 complaints. They simply list as duplicate eliminating any response from me and never supplying the request. You, as Credit Reporting Agencies, simply forward complaints to XXXX XXXX who you rely upon to verify for truth and accuracy. So truth and accuracy required by FCRA doesn't exist. After almost 4 years, I have yet to receive a copy of the valid permissible permission used to access my personal information that led to two fraudulent car purchases not to mention all the other damages when the theft received a copy of my credit report. XXXX XXXX doesn't want to admit because of liability and have made matters much worse like politicians do. Enough is Enough!!!!!!!!!!! Remove XXXX XXXX and XXXX XXXX XXXX XXXX from my report.
Product: Credit reporting or other personal consumer reports

I couldnt believe it when I saw unfamiliar accounts on my credit report today, and I have no idea how they got there. I check my credit report routinely, but this time there were unexpected inaccuracies that didnt go away even after I refreshed my browser, thinking it might be a simple error. To resolve this, I ask that my documents be carefully reviewed to put an end to this unsettling experience.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX has intentionally committed fraud by reporting fabricated account information to credit bureaus and refusing to correct it despite being confronted with disputes. The calculated false information suggests malicious intent to inflict financial harm. The supporting documentation exposes systemic racism and a violation of constitutional rights due to unsatisfactory business practices and racial discrimination. This has resulted in irreparable harm, including financial loss, emotional distress, damaged credit, missed work, and XXXXXXXX XXXX XXXX performed an unwarranted soft credit check on me in XXXXXXXX XXXX XXXX, which further supports my claims. 



Please see word document, CFPB XXXX, Experian, and XXXX dispute.
Product: Mortgage

I found the house I wanted on or around XX/XX/XXXX. Signed contracts to close XX/XX/XXXX. For a FHA 203 ( k ) loan. XXXX XXXX of Advisors mortgage group LLc was my mortgage officer. He told me that he could have everything ready in 60 days, that is why we set the date to XX/XX/XXXX. Within those 60 day I was to get the house inspected ( on my choosing ) and get a contractors estimate. In order for me to have the house inspecected I had to have the OK from HUD and turn the utilities on. Between the inspection, turning utilities on, and getting the ok from HUD it took about 2 weeks. After that I was to get a contractors estimate. The first contractor took a whil and I decided against him. The second XXXX was great and we decided to go with him. This whole process took ablit 40 days. Which would leave XXXX 20 days to finish the loan. Only problem is, he never started the loan itself. He did n't even have the application started. Now moving forward he said he. Needed another 60 days to do the loan. Which was {$370.00} for each 15 day extension. Coming down to the end of the process. He informs me I have to pay for another FHA inspection ( {$800.00} ) and an appraisal of the home ( completed value ) ( {$400.00} ). All of which I believe advisors should have paid for. The appraisal took a while to get in, and I was waiting on the value of the home to decide if I wanted to. Change the bathroom to add more value to it. After The appraisal came in I decided to ask XXXX if I could add {$10000.00} worth of work to the home he said that would be no problem. I added the work and finalizing contracts were to be signed. XXXX also faild to gather my employment history completely until the last minute they sent my employer a worksheet to fill out. Now the loan is suspended and I can not show sufficient funds in my account because I have been paying for all of these extensions ; while trying to pay my own rent and bills. I talked to the heads of ADVISORS MORTGAGE rehabilitation department and they also told me my qualifications were great and I should have no problems ( XXXX XXXX ). All of a sudden I have to make changes to the repairs I was told I could do. While being expected to pay for another extension. I knew buying my first house would not be a easy task, but this has been one of the worst experiences of my life. The stress and frustration that I have experienced from people who were supposed to be there to guide me and help me through this experience was the worst display of professionalism I have ever seen.
Product: Credit reporting or other personal consumer reports

I sent a letter to the Credit Bureaus again requesting to reinvestigate the disputed Account from my credit report as well as update the Account from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX XXXX : {$25.00}
Product: Credit reporting or other personal consumer reports

Please remove these fraudulent accounts from my credit report, as I did not open them and was unaware of their existence. According to XXXX XXXX, I request their deletion within 15 days. Enclosed are supporting documents.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Experian and XXXX are reporting a government overpayment as a collection with a balance of {$10000.00}. The account was included in my bankruptcy and was previously disputed as such. However, this should n't even be reported on my credit report as it is not a consumer loan/debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

While I was in the process of trying to rent an apartment. My credit report had to get pulled. I was denied due to several unknown items on report. I then printed out a copy of my report form XXXX XXXX to check the reason I was denied, and I realized that someone has been using my social security number to open up accounts I have never been aware of. These accounts do not belong to me. Please remove these items from my report. 

XXXX XXXX XXXX {$750.00} XXXX XXXX {$0.00} XXXX XXXX {$0.00} XXXX XXXX {$0.00} XXXX  XXXX {$16000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 7th Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove these items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX Date of inquiry XX/XX/2021 ; XXXX Date of inquiry XX/XX/2021 ; XXXX Date of Inquiry XX/XX/2021 ; XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX
Product: Checking or savings account

I did a mobile deposit on Saturday it cleared my bank on Monday. I get a email today said the {$20.00} I deposit on Saturday it on hold for 7 days it was only {$20.00} plus why put my check on hold if you going to cleared the check from my bank. It was a small deposit chase bank XXXX against me because Im XXXX I did it the right way and they still but my check on hold.
Product: Credit card or prepaid card

I notified Cash App on XXXX XX/XX/2022 that the twXXXX merchants XXXX XXXX issued me a refund of {$120.00} and I also provided Cash App the emails from XXXX XXXX of them verifying that they had already processed my refund. Cash App posted the refund to my account at XXXX EST but took it back and left the {$120.00} pending from the merchant after the merchant cancelled the pending authorization. I have provided cash app with the emails to verify. They have stop responding to me and closed my account because I reported them to the Consumer Financial Protection Bureau regarding fraudulent transactions that I filed disputes on but cash app failed to investigate, process chargebacks for the fraudulent amounts and then denied my claim. Cash app employees are beyond unethical and they do things to customers out of spite or when a customer reports them to a higher authority. Thats not good business. Thats not how companies and business in the United States treat their customers.Their support team lacks knowledge and they never have solid resolutions or answers for customers. They also hard posted the transaction from XXXX after they refunded me the {$270.00} on XXXX XX/XX/2022 because I sent them the email from XXXX XXXX well and it also stated that the transaction had been refunded and that it would be up to cash app on when they would release it to my acccount. Instead of them releasing it they settled it to my account AFTER I provided them the email stating it was refunded by XXXX. They also have failed to refund me on all the fraudulent transactions I reported and then close my account today after they received the complaint from the CFPB. Starting that I broke their terms and conditions. Thats an absolute flat out lie. This company needs to be investigated and shut down or laws should be put in place to hold them responsible for scamming customers and thinking they can just get away with this. They think that because the governement isnt letting them know what they are doing is wrong and they need to be fined for their unethical business practices. Its wrong! I will be taking them to small claims court. Also the supervisor XXXX emailed me and Im thinking she would resolve the issue and she even responded with some Computer generated message. I would be shocked if XXXX was an automated email reasonse that Cash App is putting off like a real human! This company needs to be banned because all they do is steal from customers and receive the credits from XXXX but never post them back to the cardholders accounts. Thats why theyre revenue is up the past few quarters. Because theyre stealing XXXX XXXX and the cardholders when XXXX issues the funds back to accounts during dispute process. They never provide any documentation. They act as if they dont wont to speak with customers after they deny claims. They even reply to customers from an email address that does not accept incoming emails. They bounce back. THIS COMPANY AND ITS WORKERS ARE A XXXX AND A BUNCH OF XXXX
Product: Checking or savings account

I was informed that capital one was not paying out the correct interest on my interest savings account I have with them.
Product: Checking or savings account

On XX/XX/XXXX funds in the amount of {$800.00} were fraudulently withdrawn from my account using a third party ATM machine. This withdrawal was not authorized by me and I notified Bank of America immediately. I had my debit card on me so the only way this could have happened is someone duplicated the card and stole my information. Being an account holder with Bank of America I trusted them with my personal information but records show sensitive client information has been breached and compromised before. On XXXX Bank of America provided a temporary credit adjustment while they " Investigated '' on XXXX Bank of America closed my claim XXXX not in my favor with the decision " Unable to pay '' I called them immediately and demanded answers and requested back-up/proof, evidence any substantiating documents to corroborate their decision and justify the claim determination. Since XX/XX/19 I haven't received anything in the mail or phone call providing me updated status. I spoke with XXXX XXXX XXXX XXXX XXXX who assured me this would be taken care of. I emphasized the importance of the required documents I needed to provide to my lawyer, but I haven't heard any follow up. We only spoke to confirm that it was actually me who filed the complaint with the CFPB. I have attached all the documents related to this complaint for your reference. Your immediate help and assistance in mediating and resolving this complaint would be tremendously appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

Reporting to credit report after court order to dismiss with prejudice.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attached a highlighted picture of an account that is reporting to my 3 credit bureaus incorrectly. Almost every single line is different on each bureau and this is a huge violation of the FCRA. I have highlighted all of the discrepancies
Product: Debt collection

I am writing to request the removal of late payment entries associated with my account. I understand the impact of accurate credit reporting on my financial standing and am seeking your assistance in rectifying the information on my credit report. XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXXXXXX XXXX XXXX, and XXXX XXXX XXXXXXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact me or their customer service representative. I recognize and take responsibility for the late payments. While I understand the importance of adhering to payment schedules, I believe that the removal of these late payments would better reflect my overall creditworthiness. I am aware that your company follows certain policies and procedures, and I am prepared to provide any necessary documentation or information to support my request. If there is a formal process for disputing or requesting the removal of late payments, please guide me on the steps required.
Product: Credit reporting or other personal consumer reports

I did not authorize these inquiries and have strong suspicions of their fraudulent nature. I urge you to conduct a thorough inquiry and swiftly remove them from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have already submitted a Complaint to XXXX, Equifax, and XXXX Credit Bureaus last XX/XX/XXXX requesting the verification and deletion of information on my credit file which I consider as fraudulent. Upon reviewing a copy of my updated credit report, most of the fraudulent items are still reporting on my credit report. I have been waiting for a response from the credit bureaus and yet I received nothing. The XXXX Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following items completely from my Credit Reports : XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX