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

My account with XXXX XXXX XXXX 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 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, and 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 or other personal consumer reports

I am formally disputing the following negative items on my credit report : Current Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/2024 Employers : XXXX XXXX These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.
Product: Credit reporting, credit repair services, or other personal consumer reports

On the XXXX of XXXX I sent Equifax a series of documents relating to identity theft. These documents were sent USPS certified mail with return receipt. The post office showed that this information was received by Equifax on Wednesday XX/XX/2019 at approximately XXXX. 

After trying to fix my information with Equifax for months information has surfaced supporting the previous disputes made with the credit reporting agencies that I am a victim of identity theft. 

Pursuant to FCRA section 605B, once a consumer notifies the credit report agency that they are a victim of identity theft along with sending the credit report agency 1. A notarized statement 2. A FTC identity theft affidavit 3. A police report 4. Utility bill or bank statement containing address information and 5. Drivers license with other identification ( my ssn ) the credit reporting agency must block the accounts/trade lines in question from the consumers file NO MORE than 4 days from receiving.

Today is day 5, I have not received any corespondents from Equifax of them blocking this information. This is a violation.

I sent ALL requested documents and affidavits notarized. The credit reporting agencies DO NOT have jurisdiction to over look nor over ride federal law. 

This complaint serves as notice that if these accounts in question are not block and deleted from my credit report within 15 days per this complaint, I will file a willful non-complaint lawsuit against Equifax. 

**see affidavits attached**
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.

15 usc 1681 section 602 A states I have a right to privacy.

15 usc 1681 section 604 A section 2 states a consumer reporting agency can not furnish an account on a consumer report without the consumers consent.
Product: Credit reporting or other personal consumer reports

Some one at XXXX XXXX, has submitted a 1099-C form to the IRS for an account that was charged off in XXXX, they submitted it as if this same account was open again in XX/XX/XXXX, that I had no knowledge of. I do have several accounts open now with this same bank with a few credit cards. The first amount was charged off for XXXX in XXXX, and it's about to come off my credit report in XX/XX/XXXX, and when I called to speak about the new amount of XXXX that they reported to IRS on XX/XX/XXXX for the same account, the man was like oh you don't have to pay it the amount with out the interest and I told him, that this is about to fall off my credit report and that he can't charge off an account twice and that, I would be contacting the IRS and let them know what this account was charged off in XXXX. I feel as if someone is committing fraud. I don't want this XXXX to show up on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 several inquiries were done on my credit report from various financing companies for the purpose of an online vehicle purchase. One of the inquiries was done by XXXX XXXX, also know as XXXX XXXX XXXX located in XXXX XXXX XXXX XXXX XXXX. XXXX, TN XXXX XXXX. # XXXX. I call the dealership in the month of XXXX a few times leaving messages for the manager. I have not received a call back after leaving messages. These were fraudulent inquiries, as I never tried to buy car online or had any of these companies run my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, After reviewing my credit reports I noticed that your company are alleging that the following account XXXX XXXX  are negative without furnishing any proof of verification of this debt or that your company followed all laws and regulations to report therefore your company must remove all negative and adverse remaks. 

XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX ( XXXX ) XXXX As your company know it is against the law to report any information not proven accurate. 

I demand that you provide me with concrete evidence of my obligation to said account. 

Please be aware all negative remarks found on my credit report is a violation of the FCRA and FDCPA when your company can not furnish the validity of the remark. 

I am not in dispute of the ownership of the account XXXX XXXX but if your company are unable to provide the full reports of how you validated, verified, and how your company in compliance then you must remove the account XXXX XXXX from my credit report.
Product: Mortgage

Loan is with Lakeview Loan Servicing - Loan number XXXX. 

I have requested multiple times to delete escrow on a VA loan and pay taxes and insurance out of my own accounts. I have asked to delete escrow altogether. 

Twice, this request was submitted in writing formally, and denied after lengthy periods with no explanation. My understanding is that a VA loan requires no escrow withholding. This company tells me I simply do not qualify as " 80 % of home is still owed ''. 

In addition, after I documented at length through phone calls that I would be paying my own insurance and taxes, this mortgage company still paid my taxes and put me into an escrow deficiency. I have asked for a manager to call me, and no call back was ever received for an entire business week. 

I now have made an additional payment of {$3500.00} directly to escrow to avoid a mortgage increase, and this payment will occur on XX/XX/2023. This payment is scheduled directly for escrow, and prior to any rate or payment increase. I do not want another mortgage increase, and no further escrow analysis has been done prior to this payment being made. In short, this payment should pre-empt any change and keep my mortgage how it is structured. 

Last, I plan to submit additional mortgage deletion requests in writing because I do not want this predatory practice to " manipulate my escrow '' to continue.
Product: Debt collection

On XX/XX/2024 to Cease and Desist all forms of communication via phone, text, mail, email, voicemail, and all consumer reporting agencies.
Product: Checking or savings account

XXXX XXXX, XXXX XXXX, 2024 I opened a credit builder account and I also used the XXXX  and XXXX  features. I DID use my XXXX XXXX  ( which was {$200.00} ) with a {$14.00} fee for XXXX transactions from that feature. That advance breaks up your advance amount into intervals. Now, what I dont understand is where another {$120.00} went. They said it went to credit builder, but regardless if it did, it still didnt add up to {$40.00}. 

Chime took {$36.00} ( 5 times ), {$39.00} ( 3 times ), {$25.00} ( one time ), and {$14.00} ( one time for the instant deposit fee ). 

If you need me to answer any questions or need more details. Please give me a call. 
( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

I did not give expressed written consent to or authorize any third party consumer reporting agency to furnish data on the following accounts and I have the right to privacy, please be reminded, no consent is identity theft : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please promptly remove this data within 4 business days pursuant to 15 USC 1681-c-2 to avoid any further legal proceedings. In accordance with the Fair Credit Reporting act. The List of accounts above has violated my federally protected consumer right to privacy and confidentiality under 15 USC 1681. please see the above accounts 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. Thank you for your timely compliance!
Product: Money transfer, virtual currency, or money service

I found 2 dogs online that I wanted to buy from a person and spoke with her over the course of a few days. Once everything was settled and agreed upon ( {$500.00} each plus shipping of {$180.00} ) she said she was going to ship the dog to me as I live in Texas and she was in Georgia. I asked how that process worked as Im not comfortable with shipping animals and even though its a long drive I would prefer that. She said that the dogs are always shipped with vets that handle their care until I get them and they are never unattended. So I begrudgingly agree. When she takes the dogs to the shipment vet company she sends me an update stating they will be contacting me for a {$1000.00} deposit to rent a crate for transport that is standard and I will get it back once theyre delivered. Halfway through the shipment I get a call from the company stating that they need  insurance papers documenting the orders of transfer/transport and its {$2000.00} to get those papers but it will be refunded once the delivery is confirmed. I didnt accept this one lightly. I argued with them over that but they convincingly made it seem insistent so I did it. I was at work and unable to really focus on the gravity of the how much this screamed scam as I was distracted trying to get end of the day work  completed while also dealing with this nonsense. Afterward they say that the office is closed but theyll get the papers the next morning first thing. As that is taking place I ask what airline they are using as well as flight number and their response was that it was a private plane. The next day I realize how much of a scam Ive been taken for and I call my bank to file a claim. I get another notice as Im talking with my  bank that they are held up in XXXX and need another {$2500.00} for something else and I said that I was on to them and they werent Getting another ounce from me. They threatened animal abuse and neglect charges to scare me into another payment and I said that it contradicted what they said before and how so much of what theyve said has been contradictory. My bank has done nothing to help me and Im out {$4100.00} Im just now finding out that XXXX has no buyer protection - I thought it was like XXXX but since it was backed with my bank it would be safer. Now I feel scammed not just by this XXXX but also my bank. I Have a substantial amount of emails that are too large to attach but can be sent at any time.
Product: Checking or savings account

I would like to file a complaint against Chase for their lax security practices that allowed the following cosigner checking account overdraft scam to take place. If they had proper security checks in place, such as requiring the verification of photo-identification in person within a Chase branch, then this situation I have been faced with would not be possible. 

On XXXX XX/XX/2022 I attempted to login to my Chase account via the app on my XXXX and was presented with an error message to say my account is blocked due to suspicious activity. I called Chase and they said I had been added as a cosigner on a checking account opened a month ago, in the name of XXXX XXXX, someone I had never heard of. 

Somehow the fraudster was able to add me as the cosigner ( I assume either online or with fake ID ) on their checking account, thereby enabling them to leverage my credit rating to get an overdraft on the account. They were then able to withdraw 3 amounts, each just shy of $ XXXX, at 3 different Chase branches, resulting in the account going into a negative balance of {$29000.00}. I have filed police report and a claim with Chase to have myself removed as the cosigner on this fraudulent account.
Product: Student loan

Around XX/XX/year>, I had received physical mail from Student Assist Plus about consolidating my loans into an IDR, income-driven repayment plan, with forgiveness after 20 years of payments. They did get me enrolled in this program over 8 years ago, and did submit my paperwork as required, but they lied about saying I absolutely had to have their paper submission service in order to get this XXXX loan, requiring a $ XXXX payment, which I have paid for almost 9 years. The deception was that my loan would be ended if I did not do this monthly charge during the life of the loan, I mean they were adamant on this part. So, I just discovered since my XXXX loan was transferred over to XXXX, which really are part of the federal loan repayment programs, a small notice got me thinking something wasn't right and that I can submit my papers for free and it will not effect my XXXX plan if I stop this service. So about {$3200.00} over XXXX yrs wasted, I have blocked them from my account and told them I was reporting them to CFPB and to the Federal Trade Commission XXXX which I did. I requested my money, and to stop me from their program and no response at this point yet. 

Another thing is when I started with them, they set me up with a lawyer to 'help ' me with my private loan, which I did. I figured out after 4 years or so that it was a crooked lawyer, and I was sending same payments for loan to her. We have a lawyer in the family who helped with that case, and she was disbarred by CA as a lawyer and after another few years, I finally received back over {$5000.00} of the money I wasted there, and multiple borrowers wete on that lawsuit case. I had a lot of trouble however because of that situation with a lot of distress and difficulty. We just realized it was Student Access Plus that set me up with that as well. I was under the impression it was through the federal government and did not realize I was being deceived and robbed. Please investigate and bring this group down. They are very sneaky and manipulative, and I am done with the grief and financial trouble they have given me. I hope others can be warned against them and they can be stopped. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have repeatedly asked for them to remove incorrect phone numbers off my fraud alerts that is hindering my credit applications
Product: Debt collection

I HAVE NOTICED I HAVE MANY INSTANCES OF MISINFORMATION REPORTED ABOUT ME, EITHER THE MISINFORMATION STEMS FROM INACCURATE REPORTING, REPORTING OF UNVERIFIABLE INFORMATION, REPORTING OF INVALID INFORMATION, FRAUDULENT REPORTING OF INFORMATION, OR REPORTING THE INFORMATION I BELIEVE IS IDENTITY THEFT. I HAVE NO KNOWLEDGE OF HOW THE MISINFORMATION STEMMING FROM THE ABOVE CAME ABOUT. I HAVE NOT AUTHORIZED ANYONE TO MISUSE OF MY PERSONAL OR FINANCIAL INFORMATION. PLEASE PHYSICALLY VERIFY ALL ACCOUNTS, DATES, NOTATIONS, BALANCES, CALCULATIONS, ACCOUNTING RECORD, WHETHER RECORDED OR NOT TO INCLUDE XXXX XXXXXXXX XXXX STATEMENT, 5 PART PERSONAL IDENTIFIERS AND ALPHA NUMERIC AND ALPHA NUMERIC SOURCE CODES AND DELETE/BLOCK PERMANENTLY THE REPORTING OF ANY.
Product: Credit card

Confirmed the attached non-solicited email Explorer Credit Card from Chase was legitimate with Chase Customer Service. Completed the VISA credit card application and received the new Credit Card. I satisfied all of the offer requirements and expected to receive XXXX bonus XXXX XXXX miles for my XXXX XXXX ID. I have only received XXXX. I called Chase CardMember Services in XXXX, XXXX to verify that I have successfully completed all requirements for the XXXX miles. The service representative confirmed that I had and escalated the incident ticket to get the additional XXXX miles. 

I receive by mail notification from Chase Cardmember services on XX/XX/XXXX, dated XX/XX/XXXX that I am not eligible for XXXX miles with " Promotional offers are only available for select credit cards and aren't transferable between accounts. '' This is an inaccurate statement. As the attached email offer shows, the account targeted was my own XXXX XXXX account and the offer clearly identifies XXXX bonus miles. Nothing has been " transferred ''. Chase is simply trying to fraudulently change the terms of their contract without XXXX.
Product: Credit reporting or other personal consumer reports

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records 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 alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX XX/XX/XXXXXXXX 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, credit repair services, or other personal consumer reports

I was notified that on XX/XX/2021, some unknown person applied for a credit card from XXXX. They used my correct name and phone number. 
it was not me, I do not/did not use XXXX ever, and did not apply for credit at all. 
I have attempted to contact Experian for two days for help and no one answers the phone and their site refused to allow me to dispute this hard inquiry online. 

I want to notify Experian that is not me, it needs to be noted as fraud, and put a fraud alert on my credit report, and also remove this hard inquiry from my credit report. 

Experian never answers the phone, and does not allow disputes to be filed online, they only want to sell monitoring products, which I have, and it still won't let me report this fraudulent activity to them. 

I need help
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of 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 was unfeasible. The CFPB 's findings indicate that zelle has not only neglected to protect consumers but also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumers safety.
Product: Debt collection

On XX/XX/XXXX i have made a complaint to CFPB about a collection Debt Recovery Placing previously deleted accounts on my credit file. 
On XX/XX/XXXX The company Debt Recovery has replied and closed the complaint stating they will remove the previously deleted accounts they have placed on my report. 
Today is XX/XX/XXXX. The accounts have not been removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

A computer glitch that was  Trans Union  's problem not mine caused my inquiries to be deleted from my credit report twice.  Trans Union later added them back on my credit report without giving me the legally required written notice five days  prior to re-adding them. I have contacted  Trans Union  in good faith to remove the inquiries that they had illegally re-added. I have called a total  of three t imes and spoke with different agents who refused to remove the inquiries. I recently spoke with a supervisor name via on  XX/XX/XXXX who stated they will not remove the inquiries. The inquiries have added a hardship and my rights were violated by  Trans Union .
Product: Credit reporting or other personal consumer reports

This is my second request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 
XX/XX/XXXX, GA XXXX ; XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX, GA XXXXXX/XX/XXXX ( Original Creditor : XX/XX/XXXX ) XXXX {$4800.00} ; XX/XX/XXXX XX/XX/XXXX ; XX/XX/XXXXXX/XX/XXXX