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

Date of Report : XX/XX/year> Description of Issue : I am writing to report errors and violations by XXXX and associated parties related to my credit report. 
Violations : Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ) : XXXX and associated parties failed to ensure the accuracy of my credit report, incorrectly reporting 35 late/missed payments. 
FCRA, 15 U.S.C. 1681i : XXXX and associated parties failed to promptly correct errors after I disputed them. 
XXXX XXXX XXXX : XXXX and associated parties failed to comply with XXXX XXXX requirements for reporting, specifically regarding : Incorrect payment history. 
Failure to update account status. 
FCRA, 15 U.S.C. 1681g : XXXX and associated parties failed to provide me with a complete and accurate credit report. 
FCRA, 15 U.S.C. 1681c : XXXX and associated parties failed to comply with requirements for reporting obsolete information. 
12 CFR 1022.43 : XXXX and associated parties failed to maintain reasonable procedures to ensure accuracy. 
Desired Resolution : I request that XXXX and associated parties Immediately remove the incorrect late/missed payment entries. 
Provide an updated credit report reflecting the corrections. 
Take steps to prevent similar errors in the future. 
Conduct an investigation and provide a written response regarding the violations.

These action are leading to denial of credit, loans, and suitable livability. These companies are giving the impression that there are 37 MISSED PAYMENTS and the alleged debt is being CHARGED OFF every month of every year.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an Inquiry on my credit report from SYNCB/XXXX XXXX on XX/XX/2018 that I did not authorize nor received a credit card from. I contacted the company & they stated that a card was applied for using my social security number therefor they did not have remove the inquiry. I did NOT authorize nor receive any credit from this company. Please have them remove the inquiry from my credit report.
Product: Credit card

There were several charges on my account for purchases I did not make. I disputed them and was given a new account number. I no longer have online access to the prior statements so I do not have specific details. The charges were added to my new account and I am expected to make payments based on the new higher amount. I have requested written proof of these purchases.
Product: Credit reporting or other personal consumer reports

please check the information concerning the Equifax data breach below in attachments.
Product: Credit reporting or other personal consumer reports

As per 15 USC 1611 XXXX TransUnion and XXXX is criminally obligated. They are affably obligated for twofold the measure of the money charge as per 15 USC 1640. Furthermore, they are at risk for each FDCPA infringement as per USC1692k. I'm requesting they eliminate the supposed obligation from my shopper reports, transmit installments to me for infringement. A supposed obligation being outfitted on your " credit '' report is an infringement of 15 USC 16922b ( 2 ) it is likewise publicizing to certain installment. Which is illicit. I'm requesting that you eliminate these Transactions from my report promptly as they are an infringement of my privileges as a governmentally protected purchaser under title 15 section 41. Concerning the records recorded underneath as a customer I'm requesting a cancellation of these records. Cc Consumer Financial Protection Bureau. Cc XXXX XXXX XXXX. Cc State Senate. Cc Federal Deposit Insurance Corporation. Cc Comptroller of the Currency. Cc Federal Reserve System. Cc Credit and Insurance. Cc Federal Trade Commission. Cc State Regulatory Agency
Product: Debt collection

In XX/XX/ 2023 I reviewed a copy of my credit report and noticed an account from this company that i do not recognize. They are alleging i owe them money but yet have not provided me with any type of proof that this debt actually belongs to me, there is absolutely no contract between me and this company. In addition they are reporting to my consumer report without my authorization, and this erroneous account is affecting my credit worthiness and ability to obtain a home loan. I am devastated because I need to be able to purchase a home so that my ill XXXX mother can move in with me, I am the only person she has left. This company has not proven this debt belongs to me which is a direct violation of the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b }. They are defaming my character and violating 15 U.S. Code 1692d - Harassment or abuse : A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. You are harming my reputation with the alleged debt. Also 15 U.S. Code 1692j - Furnishing certain deceptive forms. Because of these violation i reserve the right to pursue legal action as outlined in 15 U.S. Code 1692k - Civil liability. I do not recognize this account and believe this to be an error, this company needs to remove from my credit report or provide me with proper validation as outlined in the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b }.
Product: Credit reporting or other personal consumer reports

I am the author of this complaint and I have attached a copy of my driver 's license, social security card, and an identity theft report to verify my identity. 

I recently applied for a loan and was denied. I checked my credit report and noticed some accounts that are fraudulently on my credit report without my consent or authorization. 

These debt collectors are claiming that I owe them and are reporting negative information which is damaging my credit worthiness. They have not validated the debt to show any contract between them and I, to justify their claims that I owe them, and when I contacted them, they sent me frivolous automated responses that did not address my concern. 

Also, the credit bureaus are not conducting a reasonable investigation and are allowing the reporting of this fraudulent information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  )
Product: Mortgage

PLEASE FORWARD TO OCWEN LOAN SERVICING LLC. 

I truly wish to resolve my mortgage issues, and my modification was rejected because at Ocwen stated that I was too far behind on payments. This is truly discriminatory and I now have an attorney representing my wishes. I deserve a modification as my son has agreed to join me on payments and he also has an excellent income.
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened a XXXX, Bath & XXXX credit card to begin repairing my credit after a disastrous divorce that ruined my credit. Since I travel extensively, I have a PMB where my paper mail is delivered. When I opened the XXXX & XXXX account, I chose the " paperless invoice '' so that I could pay the bill electronically. I only have my mail forwarded once a month so unless the invoices I receive are paperless, I may receive the invoice late. ALL MY BILLS ARE PAPERLESS AND I HAVE NEVER HAD AN ISSUE WITH RECEIVING AN ELECTRONIC STATEMENT. The first month ( XX/XX/XXXX ), I didn't receive an electronic notice, but I DID receive a paper bill to my PMB. It was in time so I paid the payment online. I called the credit card company ( Comenity ) and spoke to a nice representative who assured me I WAS enrolled in paperless billing and was not sure why I had received a paper bill and not an electronic one. She had me check all spam folders, verify the email it was to be sent to, etc., but there was no issues. She believed, since the account was new, it had just not been sent electronic due to the new start date. She assured me it would be sent electronically the next month. In XXXX and XXXX the exact same thing happened. I received a paper bill and no electronic bill. I contacted XXXX customer service. Assurances I WAS enrolled in paperless, no idea why I was getting paper bills. ( I have XXXX paper bills to prove this ) In XXXX, I found out they had reported me late because I had called them late to find out why I was STILL not getting an electronic bill. I spoke to a supervisor and shut down the account immediately to avoid any additional late reports to the credit bureaus. I want this late notice removed!!! 
( Details : https : XXXX, Account under XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX Expires XX/XX/XXXX XXXX XXXX, Password XXXX ) XX/XX/XXXX : Address updated XXXX XXXX PMB so no delays in mail, email updated to XXXX - thinking they were having an issue with XXXX XX/XX/XXXX : Called Comenity when no paperless invoice came. Paid the rep so wouldn't be late XX/XX/XXXX : Called Comenity when no paperless invoice came. 
XX/XX/XXXX : Paid off since could not get an electronic invoice and they had reported me late. Spoke to XXXX - Account supervisor
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : 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
Product: Money transfer, virtual currency, or money service

Zelle hasnt been able to refund me unauthorized Zelle transactions
Product: Mortgage

XX/XX/19 I received a call regarding the escrow on my mortgage, that had a debit balance on my account. 

The caller demanded that I go to XXXX and wire {$980.00} before 6 p.m. that day to avoid foreclosure, and could only be done that day only. 

I requested evidence and his manager, he responded that that was not possible. it was in his control now. 

I suspected a Scam and called my Mortgage Co. the next day and confirmed the call was bogus. 

He identified himself as XXXX XXXX of the mortgage co. @ XXXX in Texas. 

Foreign accent possibly XXXX or XXXX. 

The killer was the phone number appeared as my contact person at the mortgage co.! 

She is in Florida
Product: Vehicle loan or lease

On XX/XX/year> I noticed XXXX payments were sent from my checking acct to Carmax in error. I called Carmax to get a refund. The manager, XXXX, of the Resolution Group dept advised me that XXXX refund checks of XXXX each were mailed to the wrong address. No one called me to confirm my mailing address. They mailed it to the wrong address. He also advised me that he would submit a request to overnight me a refund to the Corporate Accounting dept by XX/XX/year>. On XX/XX/year> I called him back bc I had not received it. He said neither he nor I could find out what the hold up was or what the refund process or ETA was.
Product: Student loan

Receive calls from Navient about 2 to 3 times a year indicating one payment in the rears. Loan payments are automatic and each time they call account indicates XXXX payments due. These people are EXTREMELY rude and never look for discrepancy between what account indicates and what they are seeing due. Moved up payment date twice for good faith effort to rectify situation.
Product: Debt collection

XXXX XXXX claiming I owe a past due amount from 2010 for a XXXX XXXX sports club I never enrolled or attended. XXXX XXXX is now owned by XXXX.
Product: Debt collection

I have contacted the creditorXXXXcompany many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was infeasible. 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 vulnerable to abuse/scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting or other personal consumer reports

Someone online started a personal loan using my current bank account to start a personal loan and it was approved for XXXX. The funds were deposited into another bank account and the scammers used the funds to buy XXXX Two purchases of XXXX, total of XXXX. The bank sent a letter via post office and it was for me to contact immediately if I did not ask for the loan. The personal loan was approved on XX/XX/year>, I have go to the police department and I currently have a police report, case number XXXX.
Product: Consumer Loan

My wife and I bought furniture at XXXX/Ashley Furniture XXXX on XXXX XXXX, 2014. We agreed to a 20 month promotion with which we misunderstood the " no interest '' aspect for an initial total of {$10000.00}. We made a payment every month of at least the minimum required, including a {$5000.00} payment last week. It was the interest charged line item on our last bill of {$3700.00} that is the reason for this complaint. Yes, shame on us for not scrutinizing the fine print on the initial paperwork and the monthly bills, but, in our defense, we have never had a transaction like this. I can not believe that it is legal for XXXX/Ashley Furniture/XXXX to charge 28.99 % interest in accordance with their convoluted Finance Disclosure Form concerning Deferred Interest with Payments. We are in our XXXX worked as professionals all of our adult lives ( I am still working full time XXXX ) and feel that we have been taken advantage of because we are busy. This type of promotion is deceptive and fits the definition of usury.
Product: Debt collection

For the last few weeks I have been receiving calls from the Focus Receivables regarding 'a debt '. None of the calls ( always an automated recording ) provide any details. I 'm not aware of any debts.
Product: Credit reporting or other personal consumer reports

I DISPUTED A NAME ON MY CREDIT REPORT WITH EXPERIAN AS " XXXX XXXX '' IS NOT MY NAME. EXPERIAN CLAIMS THEY OPENED AN INVESTIGATION WHICH ALL OF A SUDDEN NOW THE COMPANY HAS ONE OF MY ALIAS " XXXX XXXX XXXX '' I KNOW I DIDNT OPEN MY NAME WITH THAT ACCOUNT EXPERIAN AND THE COMPANY JUST PUT IT BECAUSE I HAVE AN ACCOUNT WITH MY BANK USING MY FULL NAME. I CONTACTED THE COMPANY ASKING FOR A COPY OF THE APPLICATION AS I KNOW THE EXPERIAN INVESTIGATION WAS NOT CONDUCTED CORRECTLY. THEY REFUSED SAYING THEY DO NOT HAVE THAT INFORMATION. THEREFORE THEY CAN NOT VALIDATE THE DEBT. THEN WHEN IM ALSO LOOKING AT EXPERIAN THE DEBT SAYS WRITTEN OFF BUT COMPANY SAYS NO EXPERIAN DOESNT HAVE THE INFORMATION RIGHT. WELL THE INFORMATION THE HAVE WOULD BE WHAT THE COMPANY PROVIDED. I WOULD LIKE THIS REMOVED FROM MY CREDIT AS THERE ARE TOO MANY INACCURARIES AND THEY CAN NOT PROVIDE THE APPLICATION. I DO HAVE A SCREENSHOT OF THE INACCURACY
Product: Credit reporting or other personal consumer reports

NAME : XXXX XXXX Address : XXXX XXXX XXXX XXXXXXXX XXXX NY XXXX Email Address : XXXX You are In Direct Violation of The Fair Credit Reporting Act ( XXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX ), has violated several of my rights. 
15 U.S.C 1681 section 602. A. Clearly states that 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.

15 U.S.C 1666B : A creditor may not treat a payment on a account under an open-end consumer credit plan as late for any purpose.

Remove these late payment and update & REMOVE this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

There are items on my credit report that have resulted from fraud to which I never benefitted from. My credit report has been pulled up by these companies and applications were done in my name, I don't recognize these fraudulent inquiries nor have authorized them. I have reported them to the federal trade commission but they are not removed from my report it is adding unnecessary stress in my life.
Product: Credit reporting or other personal consumer reports

I was the victim of credit/identity/bank fraud on more than one occasion. XXXX XXXX put multiple freezes on my account and ultimately closed the account and issued me a new account number. I've NEVER paid an obligation late. I am on auto-pay with all creditors. XXXX of my creditors reported me late. I've sent them letters and included police reports, bank letters and other supporting documentation, yet they refuse to correct their incorrect derogatory information.
Product: Vehicle loan or lease

I purchased a vehicle with financing from Capital One in XX/XX/XXXX. My loan term was for 72 months. I have had issues with the company not honoring payment plans, repossessing my vehicle multiple times with payment plans in place, and calling me more times than the allotted amount in the past just to give me an automated computer and have me on hold for over XXXX minutes when I do. A few years ago capital one purposefully took my vehicle on my birthday weekend/thanksgiving with a payment plan in place. I only qualified for XXXX payment extensions during this time period despite having a medical record of extensive surgeries. My current loan terms say that I am on an 82 month loan term. With extensions I should only be at XXXX. I have my original loan documentation from the dealership. 

I also have paid over {$36000.00} to capital one on a {$24000.00} loan and am still quoted almost {$16000.00} to pay the account off now. My original paperwork states that my total pay off to capital one was less than {$45000.00}. I am being overcharged interest, late payments, and repossession fees purposefully to stay in debt to capital one. My loan term should be over XX/XX/XXXX, but is now XX/XX/XXXX. Capital one is performing predatory actions against consumers. If I wasnt paying for this car I would not still be in possession of it 5 years later. My account is currently current and being reported as late. They are over charging me!!!!!
Product: Money transfer, virtual currency, or money service

I am filling a compliant against Cash App ( Block , Inc. ) due to instrument customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

This Company XXXX XXXX XXXX is stating that I owe them money for a loan I have never received, however trying to contact them they are stating that this loan belongs to me. I will like them removed asap
Product: Payday loan, title loan, or personal loan

Company added an extremely large interest rate to double the payoff amount. 
A loan that was suppose to be paid off in a year, turned into double that extended to 5 years.
Product: Credit card

I have a Citibank credit card with an autopay date of the XXXX of each month. I have been using autopay and pay my balance in full every month for a number of years. For the month of XXXX, I was expecting the full statement balance to paid and withdrawn from my XXXX XXXX  account on the XXXX of the month. Much to my surprise, on the XXXX, the payment of {$9300.00} was deducted from my XXXX account. I called Citi and they said this is something they have " seen happen since their most recent update ''. They said that sometimes autopayments were pre-authorizing 2 days in advance, causing the money to be withdrawn early. When I asked for the solution, they said I should cancel my autopayment setup. I left the call unresolved an believe it's illegal for Citibank to authorize a withdrawal from my account prior to our agreed upon autopay date. Furthermore, telling customers to cancel autopay, increasing chances of a missed payment and incurring fees seems unethical.
Product: Student loan

Navient has been continuously calling me on my cell phone regarding my loans using a robotic voicemail. I have received an extreme amount of calls. I am having difficulty repaying my loans, and tried to solve this with the company, but was denied. They even call from different numbers, coming up as different states. These calls come in after business hours as well, and do include Saturdays.   XXXX  Just to list a few of the calls and times -  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 , and  XXXX   XXXX  @  XXXX   XXXX  @  XXXX   XXXX  @  XXXX   XXXX  @  XXXX   XXXX  @  XXXX   XXXX  @  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  refuses to remove an inquiry even though they have been notified by the creditor that it is a case of fraud. Someone applied for a XXXX XXXX XXXX credit card with my information. Comenity Bank notified the three credit reporting agencies that the inquiry was not mine, and all but XXXX  removed the inquiry from my credit report. Comenity Bank says that they have done all they can and that it is XXXX. XXXX  says that they verified the account and that they are not removing it. I am stuck between a rock and a hard place, as it appears that it will take the Consumer Financial Protection Agency to get the account removed from my credit file.