23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

The Zelle CFPB suit highlights a concerning lack of responsibility in addressing scams on their platform. As someone affected, it was incredibly frustrating to see the companys inadequate protections and response, leaving users vulnerable to fraud. Their negligence in preventing scams and ensuring safe transactions has caused significant personal and financial stress.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I sent a letter regarding inaccurate and unknown things on my credit report, its been over 60 days later and I have not received a response back. This company have been taking advantage and ignoring all my disputes. According to Section 611 ( a ), it is stated that a failure to investigate all items within 30 days gives a reason to immediately remove the item from my credit report it has been over 60 days so this item late payment should be deleted immediately. I demand this late payment be deleted immediately or I will file for litigation due to the stress  you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX and i 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 MONTHS REPORTING LATE 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.

This company 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

My student loans with FedLoan Servicing were in Forbearance XXXX and XXXX. I have uploaded those documents.
Product: Debt collection

I checked my personal credit report, and I noticed that unauthorized inquiries have been made. I contacted the creditors who placed these inquiries, and asked them to remove them from my credit profile. I also asked them to cease their illegal activities immediately, but to date there have been no responses from their office. Since sending the letter more than 30 business days ago, they have failed to respond and honor my request. Therefore, I must request your help in resolving this matter. In accordance with the Fair Credit Reporting Act, I request you immediately initiate an investigation into this inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry from my credit report and send me an updated copy of my credit report at my address listed above. If you do find the inquiry referenced above to be valid, I request that you please send me a full description of the procedures used in your investigation
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report, I was shocked to learn that I have been a victim of Identity theft. I found numerous accounts on my credit report that were not open by me. That has been hurting me as I am in the process of buying a home for my family. Please remove the fraudulent accounts from my credit report as soon as possible.
Product: Debt collection

I received a notification through XXXX XXXX that there was a change to my credit report. When I checked I saw a collection on my report. I looked up the company that filed ( XXXX XXXX XXXX ) the collection on my report and since I had never heard of the original creditor, I called and asked them to email me the original creditors information. I told them I had never heard of VIP Loans before and this was not mine. They verified my email address said have a nice day and then hung up very fast. They didn't email me any of the information either. I need to get this off my credit report asap,
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried multiple times to resolve errors in reporting. XXXX XXXX has reported me 30+ days late 13 or more times on each of the 3 Credit bureaus. After my last request I have found dates that have been reported incorrectly XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX are all reporting 30days Late. After reviewing payment history with XXXX XXXX I have disagreed with their findings and have requested with support documentation that XXXX, XXXX and TransUnion correct my pay history to match the accurate information provided. 

I have tried on 3 different occasions to resolve this matter with XXXX, XXXX, TransUnion and XXXX XXXX my last request was mailed 45+ days ago
Product: Credit reporting or other personal consumer reports

I disputed an inaccurate reporting account in XX/XX/year> with XXXX and Experian. XXXX has found that the account was indeed inaccurately reporting which is a violation to my consumer rights and removed the account from reporting. Experian on the other hand never sent me a response or update from this account disputing. I recently just checked and the inaccurate account is reporting via Experian. Experian never held an investigation on their end and disregarded my dispute. XXXX removed and deleted account from reporting and to my understanding is that all 3 bureaus receive the same information on these accounts and should be reporting the same across all 3 bureaus. There is some discrepancies in this prior investigation with Experian.
Product: Credit reporting or other personal consumer reports

XXXX : Immediate Action Required : Dispute of Inaccurate Charge-Off and Late Payments XXXX Account # XXXX Dear Consumer Financial Protection Bureau XXXX CFPB XXXX XXXX I am writing to formally dispute the inaccurate charge-off and late payment entries reported by XXXX for my account ( Account XXXX : XXXX ), which currently reflects a balance of {$730.00}. These negative entries are erroneous and must be immediately removed from my credit report. 

This charge-off and associated late payments are unjustified. Despite multiple attempts to resolve this issue directly with XXXX, they have failed to correct the record and continue to report this damaging and false information. The charge-off and late payment entries do not reflect the true status of my account, and I demand that they be removed without delay. 

The incorrect reporting of this charge-off and late payments has caused substantial harm to my XXXX XXXX and financial reputation. The persistent refusal of XXXX to correct this error only exacerbates the damage, and I will not tolerate such blatant inaccuracies on my credit report. 

I am requesting that you investigate this issue immediately and take the necessary action to ensure that XXXX promptly removes both the charge-off and late payment entries from my credit file. The reporting of this incorrect information is a violation of my consumer rights, and I expect a full resolution within the required timeframe. 

Please confirm receipt of this dispute and provide a timeline for resolution. If necessary, I am prepared to escalate this matter legally, and I will hold all responsible parties accountable for any further damage caused to my credit. 

I trust that the CFPB will handle this matter with the urgency and seriousness it deserves. 

Sincerely, XXXX XXXX XXXX -- - This version is direct and firm, expressing urgency and demanding immediate action while stressing the harm caused by the inaccurate reporting. Make sure to attach any relevant documents supporting your claim.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have asked equifax several times to remove hard inquires that do not belong to me and they refuse. The ones that do n't belong to me are XXXX XXXX XXXX and XXXX XXXX XXXX XXXX dated XXXX17 and XXXX XXXX dated XXXX/17.
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 XXXX XXXX XXXX. XXXX : # XXXX, : XXXX # XXXX, XXXX # XXXX XXXX : # XXXX XXXX # XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) # XXXX XXXX  XXXX # XXXX XXXX # XXXX XXXX # XXXX XXXX  # XXXX XXXX # XXXX has violated my rights. 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

In XX/XX/XXXX, I called XXXXXXXX XXXX XXXX and enrolled my credit card in their Coronavirus Relief Program ( enrollment screenshot attached ). Enrolling in this program meant that I would not need to make a payment for two billing cycles. However, a late payment was reported in error to Experian regarding my XXXX XXXXXXXX XXXX credit card in XX/XX/XXXX. 

Ive disputed this late payment with XXXXXXXX XXXX XXXX and Experian multiple times in XXXX and XXXX. I sent my first dispute letter to Experian in XX/XX/XXXX. They investigated the dispute, but did not remove the late payment from my records. 

In XXXX of XXXX, I sent a dispute letter to XXXX XXXXXXXX XXXX and received a response dated XXXX XXXX ( response attached ). In their response, XXXX XXXXXXXX XXXX  stated that if I had an issue with how my account was being reported, that I could dispute the information directly with the consumer reporting agencies. 

I then mailed out more dispute letters to Experian in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ( USPS signature receipts for last two disputes attached ). These disputes resulted in one credit bureau correcting the late payment error ( XXXX ), but Experian still shows the incorrect information. 

My partner was diagnosed with, and passed away from, having XXXX at the end of XXXX. So, needless to say, I was not focused on disputing this error further in XXXX. However, I am now trying to correct this false information once again via this complaint. 

I feel that it is immoral that XXXX XXXXXXXX XXXX offered enrollment in a relief program during one of the toughest times weve experienced in recent history, and they are not honoring the parameters of that program. I also believe that Experian is being negligent in their refusal to remove the late payment error. This incorrectly reported information has, and continues to, affect me negatively. This is a violation of the Fair Credit Reporting Act, and this disputed item may not appear on my credit report.
Product: Mortgage

My mortgage was purchased from  Bayview Loan  servicing in  XX/XX/XXXX    while I was in a chapter  XXXX  BK. I completed the bankruptcy  XX/XX/XXXX . I have repeatedly tried to discuss my account with them in reference to them reporting to all credit bureau that my account was past due ( even though it was not and if it was they can not report while a person is in bankruptcy ) they were reporting the mortgage as closed and I was not receiving a monthly invoice. I also made multiple payment that they were putting in a suspense account instead of applying it to my mortgage and my escrow account that I was short. On numerous occasions I was advised they could not discuss my account because of they Bankruptcy status. I was asked to fax over proof the BK was  discharged which I  did but they said they never received. I called my attorney who sent over proof and then they stated they needed proof from the courts. After becoming irate and someone finally listening to me they sent my account to the escalation department last month (  XX/XX/XXXX   )  where I gave all my concerns to  XXXX . She informed me that she will research and get back to me. She did call me back and advise that the credit bureau has been corrected my account is in a current status. and I will start to receive monthly invoices. I just received my  1st i nvoice  XX/XX/XXXX  and to my surprise it shows I am past due {$1200.00}. I then called to get an explanation and was continually transferred to a generic voicemail for a  XXXX . But I hung up and call back 3 times and finally a  XXXX  answered I explained my concerns he advised I am current but when I question why did I receive a invoice showing the {$1200.00} past due he advised me that while I was in bankruptcy I was late or fee was accrued. I explain before my BK  was discharged the cou rts sent a letter stating if any fee or past due payments is due they need to respond because my BK was about to be discharged.He then became combative and said I need to fax in my dispute. I advised no I need to speak to  XXXX  in escalations because she assisted me last month. He then lied to me and said they do not talk to customers and I need to fax in my request.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I received a call from my mortgage officer that there was a fraudulent account reported by Capital One Bank on my credit report. I have no knowledge of this account, have never paid or received a bill. I was told that the account ends in XXXX. Now, Capital One is reporting to XXXX  that the account number is XXXX. This fraudulent account does NOT belong to me. I have never received a bill or paid a bill for a Capital One account ending with XXXX or XXXX. I immediately called the Capital One phone number XXXX, asked for Security, spoke to a rep ( XXXX ), who opened Case Number XXXX. She explained that their policy was to stop reporting this account to the three reporting agencies, conduct an investigation, and respond back in XXXX days. Received a blank Identity Fraud Information Form from Capital One on XX/XX/XXXX, completed and sent it to their fax number XXXX with my MD Drivers License photo and SSN card. I have placed calls to find out the status of my report with no response. I have called their Fraud Line XXXX every week and consistently get the run around that they are either working on it or that it is my account because someone stole my personal credentials. The account is still showing on two of the three reporting agencies. I have filed a dispute with XXXX XXXX, and XXXX. Only XXXX has resolved this issue. I have received XXXX Dispute Confirmation XXXX to find that Capital One has deceitfully switched the fraudulent account number to XXXX. I need to have this issue straightened out and am upset that I have continued to be a victim of Identity Theft. I believe that Capital One has not worked on this investigation properly and very irresponsible in not contacting me on the status or trying to resolve this issue. I am unable to understand why this bank runs media advertisements to present themselves as an outstanding company when they are unresponsive, disorganized, and dishonest. It is now XX/XX/XXXX and Im still unable to have them stop reporting this fraudulent account. XXXX XXXX
Product: Payday loan, title loan, or personal loan

I write you to request your assistance with the gross and intentional mishandling of my companys SBA Payroll Protection Program ( PPP ) application ( original letter dated XX/XX/2020 ). With the assistance of senior management at XXXX XXXX, where I received my most recent PPP loan application denial, I was connected to Ms. XXXX XXXX at the XXXX XXXX XXXX XXXX XXXX XXXX and Mr. XXXX XXXX at the SBA. Through the collective and concerted efforts of these individuals and their teams, I was urged to contact Citizens Business Bank ( CBB ) again, since all PPP applications after initial communication with CBB were denied by the SBA. 

I emailed CBB on Monday, XX/XX/XXXX to see if CBB had in fact submitted my loan packet to the SBA ( CBB states they never submitted our application - it was certainly never funded ). CBB did not reply. I  reached out to the SBA via XXXX provided contact information on XX/XX/XXXX also. Two days later on XX/XX/XXXX, I received an email from Mr. XXXX at the SBA informing me that CBB had an active loan assigned to my company and they cancelled it on XX/XX/XXXX one day after my inquiry and months after we applied. I was not provided even the professional courtesy of an email response or phone call from CBB. Their behaviors and attitude are worse than indifference and incompetence. My company and staff spent more than 80 hours on the PPP loan application process many of which was with CBB who subsequently told me to seek PPP financial assistance elsewhere. CBB then held our loan hostage for 3+ months ; this would appear to be willful and deceptive financial and business trade practices among other possible infractions of SBA lending covenants. As a trained financial and forensic  accountant, I think it close to impossible that mine is the only company in this situation. I not only request a response from you to this matter but an investigation of CBB and other small businesses put at risk of losing their company as a result of CBBs willful misconduct.
Product: Checking or savings account

Received a letter on XX/XX/year>, said XXXX XXXX decided to close all account under my name ( account numbers : XXXX, XXXX, XXXX, XXXX, including a custodian IRA account, my Roth IRA account, my checking account and a brokerage account ). No specific reason of account closure was given other than telling me to signup/transfer my asset to another financial institution by XX/XX/year>.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax did not properly secure my protected personal information from intrusion, such as through appropriate patching, 2-factor authentication at the point of service, segmentation of data, etc. As such, it appears my full name, Social Security numbers, birth date, addresses, and possibly driver license number is cross-matched to each other and in the hands of criminals who can use this data to breach any number of accounts in perpetuity such as my banking and financial data, medical data, legal complaints, political data, and any other number of sensitive accounts. 

Further, I am unable to secure these accounts because they ask for the very personal information that is breached in order to verify my identity and approve a change. 

Equifax is currently offering a limited credit monitoring service, which does n't even activate immediately. Even this had to be sought out by those who see the news reports, follow the news linksto the Equifax page, which in turn link to a shady third-party website asking for 2/3 of one 's social security number plus last name and a waiver of all class action recourse in order to discover if one is among the breached accounts, only changed to waive class action recourse from the third party site if  it too is breached with the sensitive data it is querying once the news of this spread. This is insufficient to the need created by their negligent protection of my information, which I did not give them myself, but which they curated as their business from other businesses.
Product: Credit reporting or other personal consumer reports

I have recently reviewed my credit report and noticed that your collection agency has reported this debt. It is my understanding that under the FCRA, a creditor or collection agency must have a permissible purpose to furnish information to consumer reporting agencies. The permissible purposes for such reporting include, but are not limited to, situations where the consumer has provided consent or when the reporting is related to a legitimate business transaction. I dispute the accuracy of the information you have reported and question whether your agency had a permissible purpose to furnish this information. If your agency did not have a permissible purpose as required by FCRA 604, I kindly request that you take immediate action to remove this entry from my consumer credit report. I also request that your agency provides written documentation of the permissible purpose under which this information was reported to the consumer reporting agencies, including any evidence of my consent or a legitimate business transaction between me and XXXX XXXX including the original contact between me and XXXX XXXX  within 15 days of receiving this dispute. Failure to comply with the FCRA 's requirements may result in legal action being pursued to protect my rights under the law. It is my expectation that your agency will conduct a thorough review of the permissible purpose and take the necessary steps to rectify this situation promptly.
Product: Money transfer, virtual currency, or money service

Dear Consumer Financial Protection Bureau, I am writing in reference to payment issue that I have been facing while receiving payments from XXXX. I am a developer who is based in XXXX and who was regularly receiving payments from XXXX until the issue took place. 

It has been over a month since my payment which is dated XX/XX/XXXX with XXXX number XXXX was not received. Before this, my payments were received successfully for several months. 

I have reached out to my bank support in XXXX, and they sent me a screenshot of the payment status, which I have attached to this letter. According to it, the payment is currently in XXXX of the transit banks in XXXX XXXX ( either Bank of America or XXXX XXXX  XXXX ). 

XXXX claims to have paid a finder 's fee and chargeback on XXXX of XXXX, but the situation has not improved since then. Despite my repeated requests, XXXX refuses to do any additional tracing. 

Please find the details of the account to which the payment should be sent : XXXX I would greatly appreciate your assistance in resolving this matter. 
Thank you for your time and consideration.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX PULLED MY CREDIT WITHOUT APPROVAL DATED XXXX/XXXX/XXXX
Product: Debt collection

Received communication from portfolio recovery company about a debt owed to THE home depot. First i never gave them permission to contact me. That is a direct violation of fdcpa. The account is not valid the card has been charged off. The alleged debt is for XXXX. I have never owed this amount, this is also another violation of the fdcpa. I request that the amount in question be validated with proof under the penalty of perjury by an man or a woman. if debt cant be validated it need to be deleted and no further harassment about the bill. Who is the original creditor of the bill?