23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Southwest Credit Systems continues to blatantly report an inaccurate, unverifiable entry on my credit reports. The entry on my reports reflect that Southwest Credit Systems reported this entry to my reports on XX/XX/2020, yet they did not provide any communication to me prior to inserting on my credit reports. No dunning letter was received from this company. I have never did any business with this company, nor have I ever heard of the company. Once I became aware of this negative entry on my credit report, I immediately began disputing. My first disputes were with each of the credit bureaus and the responses provided from each bureau reflected that the entry was verified by Southwest Credit Systems. To that end, I sent a letter to Southwest Credit Systems ( see attached ). None of my letters have been returned or undeliverable ; therefore, I know the company received my certified letters. To date, this company has not provided any documentation bearing my signature or proving the validity of the entry they are continuing to report. After numerous attempts seeking validation from Southwest Credit System, only to be ignored and/or proving they are unable to furnish the original terms and conditions agreed to as well as any and all terms and conditions that were enforced after the original terms as per the alleged original creditor, XXXX. Additionally, they did not respond with a summary of all account activities, including all payments made, late charges, interest, date of payments received, date of payment posted, charges made, and date of charges posted. In my correspondence to them I requested copies of all documents sent to me regarding this account ; again they did not oblige. Lastly, they did not prove the statute of limitations had not expired on this alleged debt. It is obvious that Southwest Credit Systems is not able to validate their allegation with documentation ; therefore, in the absence of them responding with any documentation to substantiate the alleged debt with signatures, this entry must be removed from my credit reports immediately. It has been long overdue for them to respond and they've not ; therefore, delete this entry immediately.
Product: Debt collection

In XXXX  I filed a police report after receiving mail from a debt collector regarding a XXXX account opened under my name. Ive never been a XXXX customer. I explained this to the police and they generated a police report to share with XXXX. The account should have been shut down, but I received a new piece of mail from a debt collector trying to secure payment for the XXXX account.
Product: Credit reporting, credit repair services, or other personal consumer reports

This makes the 4th time I have tried to get fraudulent information removed from my credit report. I have been victim of identity theft. Equifax refuses to remove the information from my credit report. Instead, they continue to give me the run around, instead of removing the information, they are requesting information regarding my address. I have provided them with this information several times. This is a stall tactic ; I have recently faxed over the requested documents, again. I want the fraudulent information, removed from my credit report and a fraud alert placed on my credit file. However Equifax, despite providing them with police reports and supporting documentation, refuses to remove the accounts, and refuses to place the alert on my credit file. Something that I had little to no problem getting accomplished with XXXX and XXXX.
Product: Checking or savings account

I deposited my paycheck today ( XX/XX/23 ) on my bank 's mobile app. The first time I tried to deposit it, the bank informed me there was an extended hold on my deposit in effect until Thursday ( XX/XX/23 ). I then cancelled my deposit on the app, and the app asked me very clearly, with the very particular verbiage : " Are you sure you want to cancel the deposit? '' I then selected the option for yes and tried again. The same thing happened, an extended hold on the paycheck until Thursday XX/XX/XXXX ( XX/XX/23 ). I spoke with the bank via customer service and was first informed that " the check was deposited multiple times '', which was clearly not the case. The Bank informed me that their system was trying to catch up to the mobile banking app, which is very clearly on the Bank, and not me the consumer. I explained that situation and reasoning with the Bank and I was then informed, " there was reasonable cause to believe the funds are uncollectible from the paying bank. '' I have deposited several paychecks from this job previously, so I'm not sure why this instance was an issue. In my entire time banking with Bank of America, I have only overdrawn my account one time to my knowledge, therefore removing that cause for the hold from the Bank. Like most Americans, I live paycheck to paycheck with very little, if any, savings to cushion me. I have bills that are coming due, and I need to pay them, but I can't pay them when I have {$150.00} in my bank account to last me until the XX/XX/23. At this point, Bank of America will have to reimburse me for any late fees or overdraft fees that are accrued due to them effectively picking and choosing when they apply a hold on paycheck being deposited. Also, under federal reserve guidelines, the first {$220.00} of the paycheck must be made available to me by the next business day, and Bank of America has never once followed this practice. At this point in time, I am heavily considering hiring legal counsel to see what, if any, recourse is available to me to ensure that this does not happen in the future.
Product: Mortgage

Second Filing. XXXX was done and not reviewed by the CFPB. 

I have contacted Mr. Cooper on several occassions. They are holding almost double the oustanding balance of the loan and have cost me substantially because I didn't have the money to pay a deposit for repairs. XXXX XXXX Loan Number XXXX Balance approximately {$72000.00} Holding insurance amount over {$120000.00} They will not send documentation as to what provision allows them to hold this money, they will not respond with written correspondence and they will not release the amount over the XXXX What law governs this as I would like to pursue legal action pro XXXX. I also want to formally file a complaint here against Mr. Cooper. They have also charged me late fees that were not late in the past.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently pulled my report and verify accounts that should not be reported as late payments since I always make sure that I am paying on time. I demand these accounts be updated and remove the Late Payment notice. Attached below are the accounts I am reporting : XXXX - XXXX XXXX XXXX  XXXX - XXXX XXXXXXXX XXXX XXXX  XXXX
Product: Checking or savings account

XX/XX/scrub> 2024 I received a XXXX retroactive payment from the military along with my regular monthly pay. This money was meant to be life changing but the security of USAA accounts then along with prior instances led to it being otherwise. Fake usaa representatives had previously contacted me from USAA numbers sending texts phone calls etc asking for information or getting it and I've contacted USAA about it. No biggie fast forward someone siphoned this money rather quickly and effortlessly from my USAA account. As I began to try to work with USAA to recover it there was no help. By the middle of XXXX I had my paychecks going elsewhere and asking the VA to help me recover the funds which they are still currently doing.
Product: Money transfer, virtual currency, or money service

I would like to bring your attention to a serious issue I have with Money Gram wires that first took place on XXXX of XX/XX/XXXX. 

I have been victimized by a multilayered scam operation orchestrated by XXXX XXXX - the fraudster. 
The funds were transferred utilizing Money Gram 's services in the total amount of XXXX USD! 
I would also like to point out that on XXXX of XX/XX/XXXX and on the XXXX of XXXX XXXX I filed a disputes with Money Gram.
Product: Credit card

XXXX XXXX and XXXX XXXX are XXXX liar agents at Bank of America who unilaterally closed my previous case without informing me. They acted dishonestly and deserve to be fired.
Product: Checking or savings account

Bank of America took XXXX dollars from my bank account because of over draft. I had money in my bank account and i try and get my money back and explain to them this was a mistake. Unfortunately they told me I can't get my XXXX dollars because I had to call before XXXX
Product: Credit reporting or other personal consumer reports

Dispute of Inaccurate Information on Credit Report and Detailed Description of Verification Methods Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint regarding the handling of my credit report dispute by XXXX XXXX, and Equifax. Despite my efforts to resolve inaccuracies on my credit report, I have encountered several issues that I believe warrant further investigation by the CFPB. 
Background : On XX/XX/year>, I submitted a dispute to XXXX XXXX, and Equifax regarding inaccurate information on my credit report. The items in question were not properly verified, yet the agency concluded that the information was accurate. I am concerned about the thoroughness and accuracy of their reinvestigation process. 
Details of the Complaint : 1. Inadequate Verification Process : Despite my detailed dispute, the credit reporting agency failed to verify the accuracy of the disputed information adequately. The verification process seems to lack transparency and thoroughness, which raises concerns about its compliance with the Fair Credit Reporting Act ( FCRA ).

2. Lack of Detailed Verification Methods : I requested a detailed description of the verification methods used by the credit reporting agency, including the specific procedures, sources consulted, documentation reviewed, and criteria for validation. However, this information has not been provided, despite multiple requests. 
3. Timeline of Investigation : There is a lack of clarity on the timeline of the investigation, including key dates and actions taken during the process. This lack of transparency hinders my ability to understand how the investigation was conducted and whether it adhered to FCRA requirements.
Product: Credit reporting or other personal consumer reports

My account with those creditors was never late! I have had exceptional payment history witH XXXX XXXXXXXX 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 those account 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.

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: Money transfer, virtual currency, or money service

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

I XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX from XXXX to XXXX. The recent Department of Education announcement to discharge all federal loans for students who attended this now-defunct for-profit college between XXXX and XXXX leaves my federal loan in a state of uncertainty. Although my enrollment overlaps with the discharge timeframe, it began before the XXXX cutoff. The same deceptive practices alleged to have been used on students XXXX were also employed on those of us who enrolled prior to the cutoff. 

I'm finding it difficult to understand why my situation is considered different. The same unethical tactics alleged to have been used after the XXXX cutoff were applied to students like me who started before XX/XX/XXXX. 

It seems I am being penalized simply because the deceit and misconduct from this unscrupulous school were directed at me before XX/XX/XXXX. I had to sign financial agreements every quarter, including the ones that fall within the DOE 's timeframe for forgiveness. 

Yet I'm still expected to pay in-full, while some of the very same people I shared a classroom with are having their loans discharged as we speak. It doesn't makes sense.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of a collection account from my credit report, as I am a victim of a data breach. Under the provisions of 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to request that accounts resulting from unauthorized activity be blocked and deleted from my credit file. 
The following unauthorized collection account should be blocked and deleted : Unauthorized Collection : Account Number : XXXX Date Reported : XX/XX/2024 Amount : {$71.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Trying to control an Equifax credit freeze. 

Equifax 's online account continually fails to allow logins, problem has persisted for more than a week. Website does not give reasons for the error. 

Website does not let me unfreeze my credit report. Phone validation takes far too long and does not work. They want my documentation faxed or mailed, which is wildly insecure or prohibitive in COVID lockdown. 

Therefore, Equifax are failing to provide me with an appropriate credit freeze service, and are limiting use of the service through artificial barriers. 

This is completely unacceptable when the other agencies have their XXXX together and can have my freeze handled in seconds. This is rank website and security incompetence. Equifax let me place a freeze, let me unfreeze it. 

Most recent interaction was XX/XX/XXXX
Product: Debt collection

STOP COMMUNICATION AND SENDING COLLECTION BILLS IMMEDIATELY. I WANT NO FURTHER CORRESPONDENCE FROM COLLECTION BUREAU OF AMERICA.
Product: Credit reporting or other personal consumer reports

This complaint serves as formal notice that you have not responded promptly to my previous dispute notice. You advised me to contact the creditors, which I have done. According to FDCPA 809b, you are required to update these accounts until they are validated. I have requested validation, but it has not been provided. Please update the accounts now : XXXX : XXXX Date Opened : XX/XX/XXXX XXXX Balance Owed : {$9800.00} DEPTEDXXXX Date Opened : XX/XX/XXXX XXXX Balance Owed : {$27000.00} XXXXEquifax : XXXX Date Opened : XX/XX/XXXX XXXX Balance Owed : {$10000.00} DEPTEDXXXX Date Opened : XX/XX/XXXX XXXX Balance Owed : {$27000.00} XXXX : XXXX  Date Opened : XX/XX/XXXX XXXX Balance Owed : {$9800.00}. As previously mentioned, under the provisions of the Fair Credit Reporting Act ( 15 U.S.C. Section 1681i ), please reinvestigate and update these disputed accounts. You have fifteen ( 15 ) days from the receipt of this letter to complete these actions, as stipulated by 15 U.S.C. Section 1681i ( 5 ) ( A ), unless you notify me otherwise. Failure to verify within this timeframe constitutes non-verification, and the accounts must be promptly updated in accordance with Section 1681i ( a ). In accordance with 15 U.S.C. Section 1681i ( d ) of the Fair Credit Reporting Act, please notify me once the accounts have been updated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 5 separate credit inquiries on my credit report from CAPITAL ONE. I did not authorize these inquiries. they are dated XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX.
Product: Credit card

Hello, So back in XXXX, with my chase sapphire reserve card I ordered an engagement ring for my fiance from XXXX  from a company called XXXX XXXXXXXX XXXX I was promised the ring would show up in XXXX, and for two months after that, never saw the ring. I was having issues communicating with them due to the timezone and they would never get back to me, so I made arragements with chase to get my {$2800.00} credited back to my account. At the time of the dispute, they claim they asked for more information and tried to call and email me, and I never receieved anything, nor did I get mail, so they reversed the credit. I did end up getting the ring, but it was not what the picture showed it to be, it did not fit and because it was international I could just return it for sizing and adjustments so I decided to return the ring. 

I returned the ring, and now when I call chase to get my money back AGAIN because they still won't credit me and I can't get ahold of the jeweler, chase tells me they can't reopen the case because I failed to respond to them the first time, but they never reached out to me. I even told them I could provide proof, documents, etc and got told no by two supervisors. I just want my XXXX dollar back and so should chase, it's their money.
Product: Credit reporting, credit repair services, or other personal consumer reports

After submitting a request to Validate my account, the company failed to update my Credit reports with the required Status under the comment section. As per FCRA section 623-a-3 -Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C 1681s-2 ]. 

( 3 ) " Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer '' ( B ) " Time of Notivce ( 1 ) THe notice required under subparagraph ( A ) shall be provided to the consumer prior to, or no later than 30 days after, furnishing the negative information to a consumer reporting agency described in section 603 ( p ). ''
Product: Mortgage

Village Capital opened a mortgage loan application on XX/XX/2020,  offering to refinance our current home mortgage loan at 2.5 %. I spoke to XXXX XXXX the loan officer and asked him to close the application, we were not interested in refinancing with them due to all the additional fees involved. However, they proceed with our mortgage application without our authorization. We did not close or sign any loan paperwork to accept a new mortgage loan, but it showed up on our credit report. We received a congratulations for the new mortgage loan  notice in the mail dated XX/XX/XXXX, then a mortgage statement dated XX/XX/XXXX. XXXX left me a voicemail on XX/XX/XXXX trying to set up a closing date. I called on XX/XX/XXXX, to find out more information, XXXX the receptionist, stated their systems were down and no additional information was available and refused to transfer to a manager. I completed a police report and a better business bureau report on XX/XX/XXXX. Finally, XXXX XXXX a compliance manager at Village Capital sent me a letter stating they will conduct an internal investigation. I received a past due notice for the mortgage dated XX/XX/2020 in the mail and forward that notice to her. XXXX said theyll cancel the loan out in their system.
Product: Credit reporting, credit repair services, or other personal consumer reports

Open Date XX/XX/2018 XXXX {$290.00} XXXX  Let a person open a account in my name and sent the credit card to a 8 year old XXXX XXXX that shoudive gave them a red flag u don't send a credit card to a XXXX XXXX u send a card to a fiscal address, this is wrong that XXXX XXXX  system is outdated what is open sky I just don't understand I am very upset, I have reported this to all 3 credit agences and the XXXX  and the cfpb.
Product: Credit reporting or other personal consumer reports

I discovered errors in my credit report related to late payments that dont match my usual payment pattern. Please address these mistakes and update my account. Thanks!