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

On XXXX XXXX I sent an official check to pay off my loan with Ally Financial. I sent the check certified mail and had it tracked, the payoff was dated through XX/XX/XXXX. The mailing service was delayed and the payment was recieved by Ally on XX/XX/XXXX with a receiving signature. On XXXX XXXX I recieved a past due notice from Ally. When I contacted Ally they said that they recieved the payoff check but the payoff was routed to the wrong address even though the correct address was on the mailed item. Ally said that no penalties would be assessed and that my credit would not be effected as this was their mistake. On XXXX XXXX I was informed that they didn't have the payoff check and that I would need to put a stop pay on the check and send a new one for the new payoff amount. I called on XX/XX/XXXX to check the balance on my Ally account and I was immediately routed to the collection department. I told them the situation and they said that they recieved a check but it was not enough to payoff my loan and as far as Ally was concerned, I was in default on my loan. They told me that they would not be able to remove the late payment but may be able to once the account was paid off and closed. They also stated that no one from Ally would have said that it would not effect my credit. The way that the collector spoke with me was demeaning and confrontational. Today, XX/XX/XXXX I spoke with XXXX at Ally in the payoff department. She stated that Ally was at fault and I would need to contact Ally customer service to file a dispute to remove the late payment from my credit and she stated that there is still money owed on the account. To which I responded- I am willing to pay the interest accrued from the stated payoff date of XX/XX/XXXX to XX/XX/XXXX when they recieved the payment but no more as this is their mistake. I filed disputes with all XXXX credit bureaus earlier today. I am requesting that the late payment be removed from my credit and that Ally update the balance reflected on my credit report of {$1300.00} to {$0.00} paid in full as the {$160.00} due in interest from XX/XX/XXXX to XX/XX/XXXX was paid on XX/XX/XXXX. Additionally, I am reporting that I do not believe Ally has been in compliance with the FDCPA, the FCRA- Fact Act in relation to my experience with them. They held my payoff check for at least XXXX weeks without negotiating it and refusing to take responsibility for their systemic issues. When I inquired after the delinquency notice that I recieved Ally admitted that this was their error but then continued to collect, accrue fees and interest and now they have damaged my credit. I would like Ally to be investigated for consumer lending violations and to raise awareness by submitting this dispute.
Product: Credit card

I have never been late on any payments with both Chase credit cards I have. The only thing that I ever did was recently ask for assistance because of the multiple hurricanes in Florida, which they did give me payment assistance of XXXX months without paying credit card payment shortly after I did this, they reduced my credit limit between both credit cards. When I called on XX/XX/year> I wanted an explanation to why they dropped my credit limit on both credit cards totaling approximately {$18000.00}. They stated I was delinquent on making payments which I have never been delinquent. It appears to me since I asked for help because of the XXXX hurricanes this is why they are doing it because I have never had an issue with either of my credit cards ever buy them decreasing that for reasons that are not true. That is why I am trying to file a complaint with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX/XXXX  XXXX, XXXX   XXXX/XXXX XXXX and XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

PLEASE BLOCKED AND REMOVED. 
Please remove this inaccurate entry from my credit report. I did not authorize or acknowledge this account. Enclosed are the relevant documents supporting my assertion.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im resubmitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX XXXX Balance : {$770.00} ; XXXX XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$6100.00} ; XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance to the fair credit reporting act XXXX Account Number : XXXX XXXX XXXX XXXX has violated my rights.

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late and for and purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN XXXX XXXX XXXX XXXX, TX XXXX RE ; YOUR RESPONSE ON XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX Fl. XXXX The above noted personal identifiers are the only requisite I authorize, please eradicate ALL OTHERS AS PREVIOUSLY REQUESTED ON XX/XX/XXXX. BLOCK any others from being reported, or demonstrate to me your regulatory right to retain as mandated by FCRA laws. I DO NOT AUTHORIZE you to retain ANY not MANDATED allegations versus me. 

I XXXX XXXX to Experian Consumer Reporting Service this is a request for your agency for an INDEPENDENT INVESTIGATION into each of the inquiries listed below. Your response to my first request to have UNAUTHORIZED INQUIRIES REMOVED makes no sense at all to me. ANY INFORMATION you retain, or report MUST be mandated, true, correct, complete, timely, proven mine, of my responsibility. UNAUTHORIZED and or possibly FRAUDULENT certainly unproven to be compliant with mandated proof of permissible purpose Credit Inquiries by Creditors on my Consumer Reports. I am requesting compliant proven permissible purpose that allows your agency to retain, report, and share lawfully the listed inquiries. 

Each inquiry listed below is ALLEGED NOT PROVEN COMPLIANT INQUIRY OF PERMISSIBLE PURPOSE PERMANENT IMMEDIATE DELETION IS DEMANDED. I COMPEL YOU TO DEMONSTRATE THE MANDATED PYSICAL VERFIABLE PROOF SENT TO ME. I REQUEST BOTH SOFT INQUIRIES SHOULD BE INVESTIGATED AT THIS TIME ALONG WITH HARD INQUIRIES. PHYSICAL PROOF REQUIRED FROM EACH. 


HARD INQUIRIES LISTED IN MY COMPLAINT THANKS FOR YOUR IMMEDIATE ATTENTION TO THIS MATTER EXPERIAN INQUIRIES XXXX CREDIT XXXX XXXX SALE XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX SOFT INQUIRY SHOULD ALSO BE INCLUDED IN THIS INVESTIGATION SOFT INQUIRIES FOLLOW THE SAME INVESTIGATIONS I REQUEST. 

( ( PLEASE PROVIDE ALL REQUESTED ITEMS BELOW AFTER INVESTIGATIONS ) ) MANDATED PHYSICAL VERIFIABLE PROOF I AUTHORIZED EACH INQUIRY WHAT PROCEDURES USED TO VERIFY PROTECTING MY IDENTITY AVCD- PLEASE PROVIDE FROZEN SCANS- PLEASE PROVIDE AUD- PLEASE PROVIDE I AM REQUESTING MY CONSUMER FILES AND CONSUMER REPORTS-BOTH ARE REQUESTED. 

I DEMAND YOU VALIDATE THIS INFORMATION WITH THESE ORIGINAL CREDITORS PROVIDE DOCUMENTATION BEARING MY SIGNATURE. 

MAKE ALL REQUEST TO RELIEVE YOUR AGENCY FROM YOUR FOUL POSITION OF NON-COMPLIANCE AND YOUR CONTINUED VIOLATIONS OF THE LAW THIS SHOULD ALL BE COMPLETE UNDER 30 DAYS AS YOU FAILED TO DO PROPER INVESTIGATIONS WHEN PREVIOUSLY REQUESTED. 
CURRENTLY YOU ARE IN VIOLATION OF THE FCRA AS PER USUAL. 

XXXX XXXX XXXX ( g ) XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am a Natural Person and In accordance with the Fair Credit Reporting Act, The Accounts listed below have Violated my Federally Protected Consumer Rights to Privacy and Confidentiality under 15 USC 1681. 

Bankruptcy XXXX  XXXX # XXXX XX/XX/XXXX, has violated my rights below XXXX XXXX XXXX # XXXX {$1300.00} XX/XX/XXXX, has violated my rights below XXXX XXXX  # XXXX {$1100.00} XX/XX/XXXX, has violated my rights below XXXX  XXXX XXXX XXXX # XXXX {$39000.00} XX/XX/XXXX, has violated my rights below XXXX XXXX XXXX XXXXXXXX {$2400.00} XX/XX/XXXX, has violated my rights below XXXX XXXX XXXXXXXX XX/XX/XXXX {$1100.00}, has violated my rights below XXXX XXXX {$1600.00} XX/XX/XXXX, has violated my rights below XXXX XXXX XXXX  XXXX {$570.00} XX/XX/XXXX, has violated my rights below 15 U.S.C 1681 section 602 A states I have a right to privacy.

I have been denied resources needed to sustain my livelihood and publicly humiliated as well as over inflated interest rates due to reporting by these Consumer reporting agencies.

15 U.S.C 1681 section 604 A section 2 ; also states a consumer reporting agency can not furnish a account without my written instruction.

I never gave any person or consumer reporting agency written nor verbal instruction to report or furnish anything!

15 U.S.C 1681c ( a ) ( 5 ) ( a ) Section states no consumer reporting agency may make any consumer report containing any of the following items of information ( 5 ) Records of arrest, indictment, or conviction of crime which, from date of disposition, release, or parole, antedate the report by more than seven years.

All information on these reports are reporting such.

15 U.S.C 1681s-2 ( a ) ( 1 ) ( A ) 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.

15 U.S.C 1681 ( b ) ( i ) ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; These accounts have been disputed and false responses were in reporting agencies responses and are inaccurate and are causing great harm to me and my family.
Product: Mortgage

I 'm making this formal complaint about the fairness and accuracy of the credit reporting based upon the misleading, unfair, irresponsible and predatory lending practices of Wells Fargo Bank. 

I am asking that all late payments be removed from all three of my credit reports as a result of Wells Fargo setting me up for failure at the beginning or our financial relationship. 


I have outstanding debt with Wells Fargo in the amount of XXXX. 


In the beginning I was razzed and dazzled by the loan officer ( XX/XX/XXXX ) as I was a First Time Home Buyer and I did not quite understand the confusing interest payments were going to make my payments so much more than what they said they would be initially. I was just so excited to own my first EVER home and to have a safe neighborhood for my XXXX impressionable children to thrive in. I was mislead by the loan officer. The talks as to the amount of the mortgage payments were irresponsibly misleading and the final payment that became due from Wells Fargo in the form of my mortgage payment was outside of my financial mean at the time. 


I did speak with several different loan officers during the closing process. The closing process was misleading and confusing since I was told a completely different and manageable total that I could handle at that time. I was mislead as to the final number as far as a mortgage payment that was expected of me on a monthly basis. Had these loan officers done their due diligence they would have been sure to inform me as to my exact mortgage payment, which was notably out of my means at the time.The amount that I would have to pay monthly was unclear and when the bill came I paid it for as long as I could. I depleted my savings until I could not pay this unexpected higher amount any longer. 


I am able body but lost my job in XX/XX/XXXX shortly after I closed on this home. 
I was open and honest with Wells Fargo in XX/XX/XXXX when I lost employment for several months. They were made aware at every turn of my struggle. I was harassed by their debt collection calls even though I was in talks with Wells Fargo to work out a refinanced interest payment for my home loan when I regained employment. I was on the " do not call list '', yet they continued to discriminate against me on an almost daily basis, based on my income, with their predatory practices. 

At this point I have a strong employment history but it was a long road to my financial recovery and I am not only willing but I am glad to pay my debt, as is evidenced by my refinancing the loan and having a direct withdraw being liked to my checking account to take place EVERY TWO WEEKS. It was n't easy for me to get here and Wells Fargo was unfair and predatory in their practices on my financial journey. 


I am in good standing with Wells Fargo and have been in good standing for almost four years now. I would like these late payments removed from all three credit bureaus. I would like to apply for a loan to send my first born to college in a few short years. This negative reporting only furthers Wells Fargo attempts to discriminate against me continuously. 





Thank you, XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my updated credit report, I realized that there are multiple errors in the listing that are damaging to me including balance, payment status, and date of last payment. Please update the accounts listed below for lawful accuracy. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have recently reviewed a copy of my creedit report and noticed the following information reporting regarding inaccurate inquiries on my report this month. I was also alerted of my personal information being in a leak and a breach. According to the Fair Credit Reporting Act Section 611 ( 5 ) ( A ) of the FCRA. I am requesting that you promptly delete all information that is inaccurate, incomplete, or which can not be verified. It is also my understanding that under the FCRA 15 U.S.C. & 1681i, every single one unproven, non-compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly removed.
Product: Student loan

Having problems have been charged for a loan that I never received and WILL NOT release the information to the loan company. Withholding loan money that was leaded to me and allowed me to be charged.
Product: Credit reporting or other personal consumer reports

I am writing to express my extreme frustration and concern regarding the ongoing issues with my credit report. Despite these attempts to correct these errors, old accounts continue to appear as delayed payments, and late closed and charge-off accounts remain inaccurately listed on my report. The persistent inaccuracies on my credit report are causing significant damage to my financial reputation and are hindering my ability to access credit and secure favorable financial terms. Despite providing comprehensive documentation and evidence to support the correction of these errors, they continue to negatively impact my credit history. Immediate action is imperative to rectify this matter. I expect a thorough investigation into why these inaccuracies persist on my credit report despite multiple requests for correction. Additionally, I demand transparency regarding the steps being taken to address these issues and a clear timeline for their resolution. Please help me correct the late open accounts and remove the late closed and charge off in my credit file immediately : 1. XXXX  XXXX XXXX Balance Owed : {$0.00} - It seems that the following information reported is incorrect : account number, payment status, and date open. Get it right immediately ; otherwise, update the account from my report. 2. XXXX XXXX Balance Owed : {$0.00} - Please investigate the account name, date of last activity, and account balance. This information seems to be misleading. This will need to be removed pronto. 3. XXXX XXXX Balance Owed : {$0.00} - Investigate the way this account is reporting the date of last activity, opening date, and the account name. I believe this information may be inaccurate. I need this account removed NOW. 4. XXXX XXXX Balance Owed : {$0.00} - I see things may be inaccurate. Start looking at the account name, opening date, and high balance. I believe this information may be inaccurate. Immediate removal of this item is necessary. 5. XXXX XXXX Balance Owed : {$0.00} - Investigate the way this account is reporting the date of last activity, account name, and opening date. I believe this information may be inaccurate. I need this removed now. 6. XXXX XXXX Balance Owed : {$0.00} - Please provide me with verifiable proof this account belongs to me. I request a signed contract which is the ONLY LEGAL authority that stipulates an agreement. Please fix it immediately. 7. XXXX  XXXX XXXX Balance Owed : {$710.00} - This company has illegally re-aged this account. Please investigate thoroughly and delete for lawful accuracy.
Product: Checking or savings account

XXXX a Bonus Offer from Chase Bank indicating XXXX Bonus upon opening Checking Acct and making a one time Direct Deposit ( no specified XXXX ) ; XXXX Bonus upon opening Savings Acct with $ XXXX Deposit and maintaining $ XXXX Balance for at least 90 days ; receive an addtl XXXX for fulfilling above criteria simutaneously and within 90 days. Both accts were opened XXXX simultaneously. $ XXXX Deposit was made to Savings acct and $ XXXX Balance was maintained for 90+ days, after which Savings acct recd XXXX Bonus from promo offer. 
Direct Deposit was made in the amount of XXXX on XXXX, but no XXXX Bonus was ever honored, nor was addtl XXXX Bonus. Contacted Chase Customer Support, but no resolution. Chase Support has only sent ticket to 'escalation team ' and various other 'tier teams ' none of which have explained why Bonuses were not honored. Also spoke in person with Local Branch Mgr and Asst Mgr, but was told they couldn't get anything resolved due to Support Ticket issues. Pls take steps to resolve this issue. Thank You.
Product: Payday loan

Mobiloans processes XXXX transactions from my account when only XXXX was authorized. 

When I contacted them to request refund the supervisor said she would have to review call and call me back. I said I would hold. She refused saying she has calls before me, despite being on the phone with me for 15 min. I told her I was contacting the CFPB to file a complaint. THEN she said " then I wo n't be able to contact you back if you are going to escalate it to anyone '' and hung up on me!!
Product: Credit reporting

My report was attained fraudulently and I disputed with Equifax. Equifax refuse to remove the injuries stating they are factual but have n't given me any description of the procedure used to determine the accuracy and completeness of the information.
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 tracking these transactions was unfeasible. 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 scams.
Product: Credit card

Dear American Express, I am disappointed to find out that you have changed the terms and condition on all of your cards to once-per-lifetime signup bonus. Having signed up for your XXXX XXXX card and XXXX XXXX card when it was only offering XXXX points, you have now increased the sign up bonus to XXXX during recent promotion. I contacted you by phone for a courtesy match for an adjustment of XXXX which was initially declined but was later offered XXXX instead. The points have not been posted yet and I kindly ask to please match the signup bonus by making a XXXX courtesy adjustments on both my personal and business XXXX card. I have been a long time customer with you and hopefully have put enough spend on the cards to earn such adjustment.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to file a complaint against the credit bureau, as they have failed to upgrade my credit score despite the fact that my bank has confirmed that a mistake was made and assured me that my score would be upgraded within three days. Despite this, my credit score has not been upgraded and I have proof from the bank to back up my claim.

This issue is causing me a significant financial loss as I am unable to close on certain deals due to my low credit score. I am requesting your assistance in resolving this issue as soon as possible. 

Thank you for your time and consideration. 

see attached the email that i received from the bank Sincerely, XXXX