23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

I am filing a complaint with Transunion. I have been disputing incorrect information on my credit report. They sent back a report showing that all information was verified. Based on the FCRA an original contract under Section 609 ( a ) ( 1 ) ( A ) with my signature showing was supposed to had been received. I have received no such information from transunion. All they said was the information has verified. According to 611 ( a ) ( 7 ) they have failed to provide the method of verification. Now the FCRA states under Section 611 ( a ) ( 7 ) and under 611 ( 5 ) ( A ) they are required to promptly delete all information which can not be verified.
Product: Credit reporting

XXXX XXXX XXXX XXXX, XXXX - Address : XXXX XXXX XXXX XXXX, MI XXXX was sent by XXXX XXXX to collect a measly debt from me which was really unauthorized in the first. I agreed to their offer to pay {$34.00} and then they went and put it on my credit report costing me an extra quarter point on my home mortgage. They offered the settlement. I would never have agreed had I known they would do this. At this point I 'd be willing to pay the bill in full if they will remove the negative report. My other option is to go to small claims court.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have many incorrect inquiries on my credit report that I have never affiliated with. Even some of the names and addresses on my report are wrong. I do not understand how these things are tied to my name but I have nothing to do with this. 
XXXX XXXX XXXX CARD XX/XX/XXXX {$5300.00} XXXX XX/XX/XXXX {$620.00} XXXX XXXX XXXX XX/XX/XXXX {$24000.00} XXXX XXXX XXXX XXXX  XX/XX/XXXX {$18000.00} XXXX XXXX XXXX   XXXX XX/XX/XXXX {$20000.00}
Product: Credit reporting or other personal consumer reports

My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed/updated. 
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.

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!
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax mishandled my information and did not properly secure our information from malicious users which puts me and 143 million other people ( according to : XXXX XXXX XXXX ) at risk with our SSNs in jeopardy. 

These SSNs stick with us for our entire lives and they want to provide a measly 1-year credit monitoring ( which requires you to waive your rights ) as if malicious users ca n't wreck havoc on our credit after a year. I am listed as a potential victim according to their equifaxsecurity2017.com website, and would like a resolution.
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 Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and 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 or other personal consumer reports

Last month I submitted a valid police report and identity theft report detailing how the accounts on my profiles are erroneous and inaccurate and they still have not removed the information after numerous times and mailings.
Product: Credit reporting or other personal consumer reports

I recently received and reviewed a copy of my updated credit report and I still have seen inaccurate and misleading information being reported. These mistakes that you are reporting are affecting my character and reputation as a consumer. 

The accounts that I am referring to are the following : 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: Credit card

Chase Bank enrolled both my Debit Card from my checking account and my main credit card into a digital wallet for a third party company, XXXX, without first securing my permission. This is different from the XXXX payment service operated by the same company, XXXX XXXX XXXX ( XXXX ). When I signed up for XXXX I had to activate the service and give my consent to do so. With XXXX I was not consulted, Chase just put my cards into the digital wallet and sent me an email saying that if I wanted to remove them I had to do so online or via their mobile app. I did not want Chase to make this move and would have said no if asked. I tried to remove the credit card on the mobile app as directed but was unable to do so. I kept getting error messages. It took me an hour on the phone to remove both items from the digital wallet. 

I believe that Chase violated PCI and PII regulations. My personal information was exposed to a third party company ( XXXX ) without my consent. While I do use XXXX, that pulls funds directly from my checking account. Neither my debit card nor my credit card was shared in this process. It would be hard to credit that the terms and conditions of XXXX would extend to any other entity that XXXX XXXX XXXX would choose to create so I am not sure what their justification is for this action.
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  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and 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: Mortgage

XXXX XXXX transferred our account to PHH, but in the transfer, they lost a payment of {$1200.00} that we made on XX/XX/XXXX. When we contacted PHH on XX/XX/XXXX, they told us we would have to speak to XXXX, and when we called XXXX on XX/XX/XXXX, they told us that they couldn't access the information and that we would have to speak with PHH. In other words, between the two companies, they either lost, misplaced, or stole our payment of {$1200.00}.
Product: Credit card or prepaid card

ACCOUNT NAME/ XXXX XXXX CREDIT CARD/ XXXX  Mastercard It's ridiculous any company employees would keep a customer on the phone so long they become ill. I've never in all of my years dealt with any company that penalize customers for paying off a credit card. This credit card company called XXXX does just that penalize you for paying your card off not only that they'll hold your payment when you pay with a debit card. Clearly this credit card company XXXX   would rather customers stay in debt and keep a balance instead of paying their balance off each month. Once this complaint is over and it may take a hit on my credit score but i'll surely be closing this account. 

OnXX/XX/2019 i made a payment for {$460.00} to my credit card. I made the payment well before XXXX XXXX CST/XXXX XXXX EST   so my payment should've posted at midnight yet it didn't. When i called in on XX/XX/2019 to see why my payment had not posted. I was then told by a representative name XXXX it would be on hold for 3 days. I asked him why and he continued to put the phone down when i asked. He provoked me to the point yes i became irate and asked for a supervisor. I sat on hold for 20 minutes because XXXX LIED and said i dod n't ask for one when i did. He finally got a supervisor who's name was XXXX as well. I asked this XXXX why my payment didn't post and he told me because i paid more than 50 % of my credit limit which my credit limit is {$700.00}. Then he tells me it didn't post but it will in 4 business days which this information IS NOT on their website, it's not in their terms and conditions, nor is it anywhere on their app that they will with-hold your payment if you pay too much or if you pay 50 % of your credit Limit. This makes no sense and the only time i've known for a company to with-hold a payment is when you pay by check NOT by debit card which are suppose to automatically post. Then the supervisor stated my payment didn't post because i haven't had my account opened long. This is very deceptive to customers to not have this anywhere the customers can read it or see it. 

I've included 2 screenshots. One shows the text message stating my payment had posted. The other screenshot shows the time frame for a payment to post which DOES NOT state if you pay too much they'll with-hold your payments.
Product: Credit reporting or other personal consumer reports

You are out of your window to fix the issue : Attached is proof from XXXX stating I did have options and in my other dispute as well as from the bank you will see I utilized them. I was told if I set up the deferment it will change my due dates not making me late. 

I showd you all of this plus my new agreement and you guys didn't update my account I told XXXX and they didn't respond for 2 months now. Between you two someone within 30 days was to update MY account to NO LATE PAYMENTS DUE TO DISASTER or remove the account according to law see attached On top of that this is a loan showing as a car/auto not personal. You guys said you updated and validated over 90 days then 30 days ago but even the TYPE of account is incorrect which within itsself is grounds from removal. Because to whom when and how did you validate anything if even the type is wrong still If I'm wrong please prove to me how.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, XXXX XX/XX/XXXX -Reporting in my consumer report XXXX XXXX XXXX XXXX XX/XX/XXXX -Reporting in my consumer report XXXX XXXX XXXX XX/XX/XXXX -Reporting in my consumer report DEPT OF EDXXXX MA XX/XX/XXXX -Reporting in my consumer report XXXX XXXX  XX/XX/XXXX -Reporting in my consumer report CXXXX XXXX XXXX  XX/XX/XXXX -Reporting in my consumer report XXXX XXXX XX/XX/XXXX -Reporting in my consumer report
Product: Debt collection

I sent dispute letters for the inaccurate accounts to be removed from my credit report on XX/XX/2019, XX/XX/2019, XX/XX/2019, XX/XX/2019, and XX/XX/2019. However they never sent me documents to show me how they verified the accounts but per " 15 U.S.C. 1681g '' and it should have been deleted per Section 611 ( a ) ( 5 ) ( A ) ( i ). I also sent a letter with Section 609 ( a ) ( 1 ) ( A ) to show me the physical documents and they have not.
Product: Debt collection

In XXXX I applied for and received a GE Money Bank Credit Card with the understanding that I would start payment in 6 months but billing started immediately. I tried unsuccessfully to change the terms with GE Money Bank based on what I felt was a BAIT & SWITCH Scheme. GE Money Bank did not agree but they stopped billing me. The item was placed in collections and has since been on my credit report. AT THAT TIME I WAS UNAWARE THAT IT COULD HAVE BEEN DISPUTED. I eventually disputed it in XXXX and was informed that it would be in XX/XX/XXXX but GE Money Bank sold the account to XXXX XXXX and created what appears to be a recent collections item. XXXX XXXX has placed the item on my credit report, significantly reducing my credit score by 26 points for a debt that is over 7 years old and one that they have not yet billed me for. I have disputed the matter with XXXX and XXXX XXXX and they both confirmed that the debt would be removed in XXXX but I believe because of the mitigating circumstances, it should be removed immediately. Thank you for your consideration in helping me resolve this matter.
Product: Consumer Loan

We were in a pet store, wanting a {$2000.00} XXXX. We were told that we could apply for financing. We did, and they told us we were approved. I asked how much my interest rate and payment should be, and the salesman told me he was n't sure, but it should n't be much. The salesman took me around the store shopping for accessories while another store employee helped my husband load a cage into our car, and yet another salesman was assembling a pet carrier, that we also had to purchase, to place the bird in for travel. They kept us very busy. Finally after they had the cage loaded and the bird in the assembled pet carrier, they called me into the office, to " sign '' the contract. The contract was on a computer, and they scrolled through telling me where to click. I never got to see and touch any paperwork to really look over it. After it was all said and done, I later found out my payment that " should n't be very much '' according to XXXX salesman was {$180.00} per month and my interest rate that " should n't be very much '' according to previously mentioned salesman, was 59.99 %. I was in total shock over that interest rate and knew I could n't afford that kind of payment. I 've made calls to the store, I 've made calls to the finance company AFTER I got a bill from them. I go to their website, and there 's not even a way to review my contract terms. I can not get any help at all. I 've shared their website with a few people and I 've asked people about the interest rate, and everyone thinks the website is bogus and the interest rate is illegal. I need help figuring all of this out. I am very upset with the pet store for how they handled everything, and they wo n't take the bird back. It has been 3 months now, but I was willing to return the bird as soon as I realized all of this. Here is a link to their website : XXXXThe pet store is XXXX in XXXX XXXX , Kansas and the finance company is XXXX. When I went to the XXXX to try to submit a complaint, I put in XXXX of the addresses on the statement sent to me by the finance company and it was n't a legitimate address. I reentered it thinking I 'd made a mistake, and I still got an error. So, I used the other address on the statement, and it did take that. The address that I am supposed to submit payment to, is the one that I kept getting an error on.
Product: Vehicle loan or lease

I got the car end of XX/XX/2021. I filled out paperwork for auto draft that was sent to me in the mail. I mailed the form along with check and nothing was taken out of my account until early XXXX. The car is placed under repossession XX/XX/XXXX and paid back by owner. I found out through my own research the dealership made a fraudulent deal with me saying I put down XXXX when I only put down XXXX and did a trade in. Because the dealership is not factory owned, by law they can not match my down payment just to get a sale. They had no choice but to buy the car back once westlake found out but they said the reason was a late payment. I have not made any late payments and they have not reported any late payment history on my report
Product: Credit reporting or other personal consumer reports

I have attached the information with my opt-out notice to XXXX XXXX XXXX . I have followed the proceedings in 16 CFR 313.7 to opt out of non-public personal information to a nonaffiliated third party including Experian, XXXX, and XXXX. XXXX XXXX XXXXXXXX has not responded in a timely matter as this was sent out on XX/XX/2023, and it is now XX/XX/2023. This unauthorized information as stated in 15 USC 6802 must be removed permanently from Experian, XXXX, and XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is reporting us as having two late payments for XXXX/XXXX  of this year and that is incorrect I have my bank statements to prove it. They no longer own my mortgage. I paid them in a cashiers check one of those months, they claimed they lost it. A couple of weeks later after I paid them again online they cashed the missing check. This company is unprofessional and are ruining peoples lives. The amount is displayed as XXXX.
Product: Mortgage

PHH cashed a check for the wrong amount, it was {$1400.00} and they input {$1000.00} on XX/XX/2018. Then then sent us in default, charged late fees, and never even credited the {$1000.00} to our account!! I have called, they refuse to let you speak to anyone in the accounting department, they said that that department doesn't take phone calls. They also refuse to respond to emails. I asked how this would be resolved and the customer service rep said that they would look into it when they get a chance and would eventually withdraw the money from our account. He didn't know why we weren't credited for the {$1000.00} that they took and didn't know if or when they would be able to correct it so now we show that we have a missed payment!!! 

I asked over and over to speak to someone in a department who can help me and they simply refuse. I am so frustrated with this company. I would honestly refinance just to get rid of them but interest rates are higher now than when we got our loan. I don't know how else i can contact them every number published leads to the same outsources call center.
Product: Credit reporting, credit repair services, or other personal consumer reports

It's been quite a few years about 4 to be exact when I first started noticing having problems with certain things like me getting confused with another person at first I thought it was just me I was just random then I started noticing certain charges certain accounts open and my name certainly mail coming to my address that I never knew what was going on I started contacting the appropriate places nothing ever got done I ended up getting XXXX for a driving XXXX later to find out when I asked for discovery I seen multiple things on there that I didn't recognize when I got out I pursued complaints with the FTC I thought that's where I was supposed to complain I never heard anything back XXXX never heard anything back my concern is I recently started looking into my credit because I needed to get an emergency loan for medical XXXX and now I've been denied by every place you could imagine when I just need to have XXXX done and I need legal help and I've reached out to banks loan companies everywhere to try to get a loan to get emergencies taken care of my credit report showed things on there that were inaccurate and when I disputed them immediately they told me that they would delete them and I even have screenshots of showing they're supposed to be deleted yet when I go on TransUnion or XXXX TransUnion still has them on there as if they're still new but XXXX site has them deleted and then I contacted XXXX XXXX told me I was part of some data breach so I signed up to be in part of the settlement I don't even know if that's true or not The bottom line is all I've tried to do was get credit fixed all I've tried to do is get in to have XXXX done I don't have money to do it I'm in the middle of a bunch of complaints with medical departments because I'm pursuing a lawsuit because I'm going XXXX I'm on a time limit and no matter what I keep running into this where I can't get a loan from any place and it's due to these inaccurate things in my credit report some of them are mine and I will have tell you which are mine and which are not But most of these I have either settled or I was insurance or I have recordings of talking to the places where they told me a different prices were supposed to be paid The whole thing is it's so inaccurate I don't know what to do anymore I need a loan and no place will help me because of this no one will talk to me because I can't communicate on the phone cuz I don't have the phone and I need someone to contact me or help me get a loan and I can't do it without this credit being fixed bottom line I don't have any credit I've never had a loan I've never applied for anything in my life and I need help I have a few days left to save my eye but I can't get anywhere unless I pay for the XXXX or get the help pursuing a legal action with these medical companies I have proof and documentation I need to know what to do
Product: Checking or savings account

Wells Fargo stole {$150.00} from my deceased mother 's savings account than charged her {$12.00} to allow them to steal her money. It is that simple. Plus they refuse to give back the original deposit so I can go to the issuer & get a replacement check. Now I have to reach back out to the issuer, which by the way these {$150.00} stolen funds were from XXXX XXXX CFPB settlement.

This is my joint account as the executor there was no notice that they will steal her money given.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in 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 reviving lost funds was impossible and that these transactions were infeasible. The lack of accountability and transparency is unacceptable and raises serious concerns.