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

According to 15 use 1681eb Everything must be 100 percent max accurate The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 
According to 15 use 1681 ( 5 ) The credit bureaus said everything was complete and accurate and I asked them how if the open date is wrong. 
Then I ask them to provide me description of the investigation according to 15 USC 1681 ( 7 ) and they never did. I have proof of my letter for that. 
Also according to 15 USC 1681 s-2 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. 
This is violation after violation after violation. This is causing me stress because I have no hope with this system
Product: Debt collection

I consumer XXXX XXXX sent CAPITAL ONE a cease and desist and they refused to stop contacting me about debt that is not mine and already paid off. CAPITAL ONE is using abusive tactics in order to coerce payment. CAPITAL ONE has not validated any debt that belongs to me. I am the consumer and I'm not obligated to pay ANY debt under the provisions of the Fair Debt Collection Practices Act. 18 usc 8 is responsible for all consumers. My federally protected rights are being violated by CAPITAL ONE. I asked CAPITAL ONE to show a documentary trail of alleged debt that they gave my money from their account. I am the consumer that extended CAPITAL ONE CREDIT. CAPITAL ONE has closed my account in which violates my consumer rights as well. CAPITAL ONE can not close my account under 15 usc 1691. CAPITAL ONE has showed false statements every month in a positive balance. This is false and misleading. CAPITAL ONE is civilly liable.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/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 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 XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

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

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

I demand the late payment reported in XXXX XXXX, XXXX, AND XXXX to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information requi
red by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Account Number XXXX, XXXX XXXX XXXX Account Number XXXXXXXX XXXX XXXX XXXX Account Number XXXX, XXXX  Account Number XXXXXXXX XXXX Account Number 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 an account without my written instructions.
Product: Credit reporting or other personal consumer reports

Please help me... Back on XX/XX/ i obtained my credit report and noticed i had some inaccurate items being illegally reported on my credit report. I sent off dispute letters to the 3 credit bureaus asking them to do a thorough investigation and verify these items were mine. That responded a little over a month later saying after their investigation that the items very accurate. I sent off another letter XX/XX/XXXX XXXX XXXX  asking them to priovide me with what METHOD OF VERIFICATION did they use to obtain this information and verify that these items are mine. I ask them to provide me with the contracts with my signatures showing proof that these items were mine and that if they couldnt provide me with what method of verification, contracts and my written signatures, to please delete the inaccurate items that are being reported on my credit report.. 
To this day, XX/XX/ they have yet to not only reply to my request for what METHOD OF VERIFICATION they used to determine that these items are mine, but also have failed in the timely matter according to the FCRA to respond and provide me with the appropriate documents. Please check into this. They have made my life a living XXXX. I have been denied credit because of the inaccurate repoortings on my report.Because they have failed in the appropriate time frame to provide me with the METHOD OF VERIFICATION they used in their investigation and copies of my signatures and contracts, i recommend these items be deleted immediately. Thank you. XXXX XXXX
Product: Credit reporting or other personal consumer reports

please remove these UNAUTHORIZED Inquiries from my report. 

XXXX. XXXX XXXX XXXX  - XX/XX/2023 XXXX. XXXX XXXX XXXX XXXX XX/XX/2023 XXXX. XXXX XXXX XXXX  - XX/XX/2023 XXXX. XXXX XXXX XXXX - XX/XX/2023 XXXX. XXXX XXXX XXXX - XX/XX/2023
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified accounts indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Good Morning, I checked my credit report as I am buying a house. XXXX XXXX XXXX   has made a late payment reporting 3 times since XX/XX/2019. Per my conversation with them they did not have my correct address and at no time have sent me notification via : mail, email, phone, etc. My current credit history is perfect with all payments made on time. 
They told me that they call and mail as a courtesy but are not required too. There has been no means of contact by this company
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 
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
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act Convergent Accounts # s below have 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 : I would like all accounts DELETED FROM MY CREDIT REPORTING AGENCY THESE HAVE NOW DAMAGED MY CREDIT 3 TIME I HAVE REQUESTED XXXX XXXX XXXX XXXXXXXX {$450.00} Account Information Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone ( XXXX ) XXXX Date Opened XX/XX/XXXX Responsibility Individual Account Account Type Revolving Account Loan Type CREDIT CARD Date Updated XX/XX/XXXX Last Payment Made XX/XX/XXXX Pay Status >Charge-off< Terms Paid Monthly Date Closed XX/XX/XXXX Remarks CLOSED BY CREDIT GRANTOR ; UNPAID BALANCE CHARGED OFF XXXXXXXX XXXX XXXX  XXXX {$2000.00} Account Information Address XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX ( XXXX ) XXXX Date Opened XX/XX/XXXX Responsibility Individual Account Account Type Revolving Account Loan Type CREDIT CARD Date Updated XX/XX/XXXX Last Payment Made XX/XX/XXXX High Balance {$3400.00} Credit Limit {$3200.00} Past Due {$2000.00} Pay Status >Charge-off< Terms Paid Monthly Date Closed XX/XX/XXXX Estimated month and year this item will be removed XX/XX/XXXX Remarks CLOSED BY XXXX XXXX ; UNPAID BALANCE CHARGED OFF XXXX XXXX XXXX {$2500.00} Account Information Address XXXX XXXX XXXX XXXX, XXXX  XXXX Phone ( XXXX ) XXXX XXXX Opened XX/XX/XXXX Responsibility Individual Account Account Type Revolving Account Loan Type CHARGE ACCOUNT Date Updated XX/XX/XXXX Payment Received {$100.00} Last Payment Made XX/XX/XXXX Pay Status >Charge-off< Terms Paid Monthly Date Closed XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX, {$12000.00}, showing closed since XXXX hasn't been deleted its over credit statue limitations Department of Ed/XXXX, XXXX, showing closed since XXXX hasn't been deleted its over credit statue limitations Department of EdXXXXXXXX, showing closed since XXXX hasn't been deleted its over credit statue limitations US Department of EdXXXX XXXXXXXX, showing closed since XXXX hasn't been deleted its over credit statue limitations credit collecting serv, XXXX, derogatory / XXXX XXXX XXXX XXXX XXXX, derogatory/ all incorrect I should nothing but two credit cards XXXX XXXX and XXXX XXXX XXXX  only with good standing
Product: Debt or credit management

I had a call today from Midland credit MCM, I felt uncomfortable with the representative threatening me to pay off debt in same day, I was currently at work when she called, but she was adamant about me paying and threatening me if I dont I will have to pay court cost etc.
Product: Debt collection

Security credit Services opened a collection account on XXXX XXXX this account is the result of identity theft. Security Credit Services has been attempting to collect a debt since it allegedly opened. This is the result of identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a mortgage with XXXX XXXX. They are refusing to report this mortgage that I have kept up with on payments, to the credit bureaus. I spoke with agents from XXXX XXXXXXXX XXXX XXXX on XX/XX/2022, XX/XX/2022 and XX/XX/2022. Each time they told me that since I filed for bankruptcy and even though I reaffirmed my mortgage in the bankruptcy process, that they would not report it to the credit bureaus unless I refinance my mortgage with them. My rate is XXXX. The rate will go up if I refinance the mortgage. I am not going to refinance the mortgage. I spoke with XXXX  this morning and they told me that they can see the mortgage but it is suppressed by the lender 's request.
Product: Consumer Loan

CHASE AUTO HAS PUT XXXX INQUIRES ON MY CREDIT REPORT AND THEY ARE UNKNOWN I HAVE NEVER TRY TO GET ANYTHING FROM CHASE AUTO
Product: Credit reporting or other personal consumer reports

I submit this complaint as I am scheduled to update my credit reports within the next 15 days. I am determined to ensure the removal of the following items from my credit reports : -- -- -- -- -- 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 XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX  TRANSUNION : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX It is imperative to reiterate, in accordance with FCRA Section 605b, Credit Reporting Agencies are obligated to remove any items listed on an identity theft report. For your reference, I am re-attaching my FTC report with the reference number # XXXX. Furthermore, the Fair Credit Reporting Act mandates Credit Reporting Agencies to eliminate any items in the consumer 's file identified by the consumer as information resulting from an alleged identity theft within four business days of receipt.
Product: Money transfer, virtual currency, or money service

I set up bill past with Bank of America for a number of my accounts, I deposit the money to cover each bill. Soon after my creditors started calling asking for payments. One of the biggest creditors stated that they received no money ( or check ). I described the amount and date of the payment they were suppose to receive -They stated they did not received the payment. 

The amount of money which the merchant was suppose to receive f {$100.00} was never returned to my checking account. I asked Banko of America what happened to the payment money Since the merchant was not paid the {$100.00} should have goone back to my account. 

I was told by Bank Of America Reps that the money was never taken from my account?? My amount has steadily gone down. The same thing happened with another of my creditors for {$39.00}. I called to confirm that they had gotten paid. They stated that they had not when the account in my bill pay was showing it was paid. 

I had set up about 7 accounts for payment only 5 got paid. I want Bank of America to find and replace the {$140.00} - ( {$100.00} payment & a {$39.00} ) - which was not paid as well- taken from my bank totaling {$140.00} These are not all the issues I have had with this bank, MY small business account had been swarmed with over draft charges, More than once causing me to close it. 

1 would like my monies replaced immediately. or I will be forced to take legal action. Thank You.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have called company on numerous occasions to take off the inaccuracies of my credit report and every time I'm giving the same answer that it is correct but I'm a victim of identity theft and my name was in three or more data breaches and I've been having problems with my credit since 2004 but I have not been able to get it resolved my credit is shot due to the identity theft and I can't get an apartment I can't get credit I can't do anything without these inaccuracies fix
Product: Student loan

After first consolidating all of my loads with Fedloan Servicing, I have been attempting to get on the Income Based Repayment program since I received my new federal government job and my income increased and I qualify for the 10 year loan forgiveness repayment program. I submitted my documents twice. Every month they say they will calculate and notify me of my new payment but every month all they do is send me the same bill with the same INCORRECT amount due. This has been happening since XX/XX/XXXX and it is now XX/XX/XXXX, and I am really frustrated. I just want to repay the amount I owe, not have to call and re-explain everything every month.
Product: Debt collection

I was sent a collection notice by XXXX XXXX XXXX for creditor XXXX on XX/XX/XXXX. XXXX showed a debt of {$570.00}. This charge was for final payment on XXXX account for services, plus an additional amount of {$200.00} for the phone and {$27.00} for a lease charge cancel fee. On XX/XX/XXXX, I went to the XXXX store located at XXXX XXXX XXXX XXXX in XXXX, Nevada. I was assisted by XXXX XXXX, a XXXX employee. I returned the phone at that time. XXXX XXXX accepted the phone and reduced the bill in the amount of {$220.00}. I paid the remainder of the bill {$340.00} and was assured that my account was settled. On XX/XX/XXXX, I received a collection notice from Receivables Performance Management , LLC, ( RPM ) on behalf of XXXX, in the amount of {$200.00}. Prior to this action, I had received no notice of intent, no revised billing and no other acknowledgement or communication from XXXX that any amount was still owed prior to the collection notice. On XX/XX/XXXX, I contacted XXXX via telephone. I was advised that I needed to provide either a PIN or give the name of my elementary school for personal identification. I gave the name of my school, as I had not set a PIN. I was advised that the school name I gave was incorrect. I only went to ONE elementary school, and I remember the name clearly. I was not given any information as I could not " prove '' who I was, even though I provided all my details including account number. I was advised to go to a XXXX store and provide 2 forms of ID. XXXX area XXXX stores average a 1 to 2 hour wait. I have advised RPM that I 'm disputing this debt. However, this collection will destroy my credit, with a home purchase planned in less than 2 months. I 'm asking for any and all assistance in resolving this issue. Thank you.
Product: Bank account or service

This also concerns an earlier complaint that is still unresolved, # XXXX. Since then, another unauthorized transaction has occurred. On XXXX XXXX, 2015. XXXX XXXX - XXXX deposited XXXX check into my savings account. Check XXXX in the amount of {$540.00} and check XXXX in the amount of {$220.00}. Despite previous warnings and flags attached to my Bank of America accounts that were in place to prevent this from happening, it happened again. XXXX XXXX XXXX had previously deposited checks into an account unknown to her. The XXXX XXXX Branch of B of A allowed XXXX XXXX to deposit these check into that account ( XXXX XXXX and when XXXX checks were returned to her she now had the complete account number of my savings account. Or maybe B of A just provided her with this information at that time. On XXXX XXXX, 2015 she used my name, not her own name when making this deposit ( as evidenced by the attached " counter credit '' ). I would like to know who these checks were make out to and who 's signature is on the back of these checks?
Product: Checking or savings account

Ive tried calling USAA to get into my account thats locked. I called XXXX  times on XX/XX/year> and got a few different answers. I have concerns about someone calling me back because Ive had to repeat the online verification after getting paid. They give me the option of a phone number that was mistyped with no real other way to access my XXXX in savings. No one has called me back yet and I still cant get into my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX i sent a letter requesting validation of a debt to XXXX XXXX XXXX through certified mail. I dispute the mark on my report throughXX/XX/XXXX XX/XX/XXXX, andXX/XX/XXXX. XXXX never sent a validation letter but reported to transunion that the debt was valid. I called XXXX stating the debt is n't valid without proof and it is also passed the statue of limitations law in the state of Louisiana for them to even collect. The young lady hung up in my face. I re disputed the account and contacted the BBB and XXXX. I will not stop until this mark is off of my credit report and will seek IMMEDIATE legal action
Product: Debt collection

At the time I was contacted about the debt by the collection agency, I told them that the balance is incorrect and that there is a court order for exactly what the balance is. I told them that I wanted them to look into so we can move forward. They said they only go by what is given to them and that the landlord is not cooperating with them any further for more information so they will continue to pursue the the amount that the landlord wants.
Product: Debt collection

I got a letter threatening me with a lawsuit on XX/XX/XXXX from Pterson Nykamp LLC and have received multiple phone calls to my phone and job asking to pay back a debt from XXXX the statue of limitations in Utah is 4 years. i have tried calling them and told them to cease & desist these harassments tactics. in the letter they say that if i don't call or write to them by XXXX XXXX XXXX  they will assume this debt is mine. this debt is not mine the last time i had XXXX XXXX  was in XXXX way past the statue of limitations in the state of Utah. i want them to stop mailing and calling me and my job threatening me with collecting a debt that is not mine.
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 most recent CFPB lawsuit highlighting significant issues 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 CFPB 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 scams. This lack accountability and transparency is unacceptable and raises serious concerns about consumer safety.