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

Be clear on this request I'm not asking but informing the credit reporting agencies EQUIFAX, XXXX and XXXX that they are not abiding by laws in place for improperly and inaccurately reporting information to my XXXX XXXX XX/XX/XXXX I disputed the validity of a late payment with XXXX XXXX XXXX parties above have responded that it was validated by XXXX so at this point XXXX would like to know the ID # ' of persons that contacted creditor and who they spoke with along with contract I originally signed, payment Ledger and what my form of payment was and dates. Also date they spoke with representative from XXXX if this can't be provided within 15 days I will be requesting this matter to be handled legally ( ADR ) this matter had caused a lot of headache and works against my crefit worthiness.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX has on my credit late fee 's, the account in question was open on XX/XX/XXXX with a limit of {$1000.00}. The account is now closed. XXXX XXXX reported some late payment which has affected my ability to obtain new lines of credit. Date reported late payments : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  RE : Acct : XXXX To Whom It May Concern : This letter is regarding account # XXXX, which you claim I owe {$200.00} as of XXXX XXXX also you claim LATE PAYMENTS ON XXXX XXXX 30 DAYS LATE, XXXX XXXX 60 DAYS LATE, XXXX XXXX 90 DAYS LATE, XXXX XXXX XXXX DAYS, XXXX XXXX 150 AND THERE ON. This is a formal notice that your claim is disputed. I am request validation, made pursuant to Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, 2 showing that I have ( or ever had ) some contractual obligation to pay you. Please also be aware that any negative mark found on my credit reports ( including Experian, XXXX and XXXX ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit report. Failure to respond within 30 days of receipt of this certified letter may result in small claims legal action against your company at my local venue. I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as XXXX evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. 

P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : Cc : Consumer Financial Protection Bureau Cc : Attorney Generals Office Cc : XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On   XXXX    XXXX , 2017 I received an email from   XXXX   saying that they could not approve my application. The fact is I never submitted an application with them. They also said that SageStreamLLC provided them with my credit report. I never authorize   XXXX   to pull my credit and I did not authorize this SageStream, the credit reporting agency to provide my information to them. I feel that I should be compensated for this unfair invasion of privacy
Product: Checking or savings account

I have been charged for over draft fees that hit my account several days after the transaction was placed. These dates date back to XX/XX/XXXX to XX/XX/XXXX. They were all {$20.00} overdraft fees
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I contacted XXXX XXXX XXXX XXXX regarding a debt that I did not believe belonged to me for XXXX. Despite my concerns, they advised me that the debt would not be removed from my credit report. 

Understanding the impact of this debt on my credit score, I negotiated with XXXX, asking if making a payment would result in its removal. A representative named XXXX XXXX assured me that upon payment, the debt would be completely removed from my credit report if i made a payment of {$1000.00}. 

To solidify this agreement, I received a letter from XXXX, dated XX/XX/XXXX, signed by XXXX XXXX, confirming that upon payment, they would request the removal of the debt from my credit report. 

On the same day, I made the payment as instructed by XXXX and received confirmation that the payment was processed. 

Following this, I verified my credit reports with all three major credit bureaus ( XXXX, XXXX, Equifax ). While XXXX and XXXX promptly removed the debt, I noticed that Equifax did not. 

In an attempt to rectify this, on XX/XX/XXXX, I sent a certified letter to Equifax detailing the situation and included the assurance letter from XXXX. 

Despite my efforts, on XX/XX/XXXX, I received notification that the investigation with Equifax was closed without further explanation. Upon contacting Equifax on XX/XX/XXXX for clarification, I was informed that the investigation was closed due to an alleged inability to validate my identity. 

Speaking with Equifax supervisor XXXX on the same day, I confirmed that my identity was indeed validated. However, despite this confirmation, Equifax informed me that they could not assist further and suggested contacting XXXX again. They stated XXXX comment was they updated the balance to {$0.00} even though they agreed in writing to remove it from my credit report. 

In conclusion, despite my diligent efforts and adherence to instructions, XXXX XXXX XXXX XXXX did not fulfill their promise to remove the debt from my Equifax report & equifax has not aided me even with all the documents i sent. This unresolved issue has had a significant impact on my credit report and financial well-being. 

Thank you for your attention to this matter
Product: Credit reporting or other personal consumer reports

I contacted all three credit bureaus advising them I was a victim of identity theft. I asked for a freeze to be place on the account with XXXX, I left the freeze on for 6 months. I needed financing for a home, and needed the freeze remove. I called and they stated they was unable to remove my freeze. I needed to log on to the system XXXX complete the transaction. I was unable to complete that because the site had issues and was unable to locate my information. I spoke to a representative and stated the freeze was lifted for thirty days. I applied for the home and was denied, they never released the freeze.
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I discovered several inquiries that I did not authorize or recognize. These inquiries have adversely affected my credit score and financial standing.

Below are the details of the unauthorized hard inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

On XX/XX/scrub> 2023, I sent XXXX separate payments ( {$1500.00} and {$2000.00} ) to XXXX XXXX and it was wrong person. Then when I requested cancel the payment, Cash App charged me {$35.00} and I never gotten my payment back which is total {$3500.00}. 
Cash App doesn't offer a real customer care to talk to solve this matter.
Product: Money transfer, virtual currency, or money service

I am writing to formally raise my concerns regarding Zelle 's dispute resolution process, particularly in light of the recent CFPB lawsuit that highlights significant shortcomings with the platform. Despite using Zelle frequently and reporting discrepancies, my financial institution and Zelle failed to conduct a thorough investigation of my claims. I was informed that recovering the lost funds was not possible and that tracking these transactions was unfeasible. The CFPB 's findings reveal that Zelle has not only failed to protect consumers but has also enabled repeat offenders to exploit the platform, leaving users vulnerable to scams. This lack of accountability and transparency is deeply troubling and raises serious questions about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion has charged me {$24.00} when I was online browsing and look for my credit score. They never said they would charge me any money, after I put in my credit card information I was charged the monthly fee that I did not agree to.
Product: Credit reporting, credit repair services, 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 USC1681.

these accounts 15 U.S.C 1681 section 602 A. States i have the right to privacy.

15 U.S.C 1681 section 604 A section2 : It also states that a consumer reporting agency can not furnish 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 iteams of information Any other adverse item of information, other then records of convictions of crime which antedates the report by more then seven years.

15 U.S.C 1681s-2 ( a ) ( 1 ) A person shaqll not furnish any information relating to any consumer reporting agency if the person knows or has resonable cause to believe that the information is inaccurate.

15 U.S.C 1681i-5- reinvestigate
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention a matter of urgent concern regarding fraudulent items on my credit report. It has come to my attention that unauthorized entries have been listed, severely impacting my financial standing. This complaint serves as a formal request for the swift removal of these fraudulent items from my credit report. 

Upon discovering these unauthorized entries, I took immediate action to dispute them through the appropriate channels outlined by Credit Bureaus. I provided all necessary documentation, including police reports and affidavits, to support my claim of identity theft and fraudulent activity. 

Given the gravity of the situation and the potential consequences for my financial well-being, I urge you to expedite the investigation and removal of these fraudulent items from my credit report. Timely action is crucial to mitigate any further damage to my creditworthiness and restore the integrity of my credit history. 

I request the following actions be taken without delay : Immediate removal of all fraudulent items from my credit report.

Written confirmation of the removal, along with updated credit reports reflecting the correction.

Assurance of ongoing monitoring and protection against future instances of fraud or identity theft.

I emphasize the urgency of this matter and urge you to prioritize its resolution accordingly. Failure to address this issue promptly will compel me to escalate my complaint to relevant regulatory authorities and pursue legal recourse to seek redress. 

I trust that you will treat this complaint with the urgency and seriousness it demands. I am asking for your assisstance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX  Balance : {$10000.00} XXXX XXXX Balance : {$0.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$3100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

On XX/XX/XXXX, I received a letter from Professional Account Management on behalf of the XXXX XXXX  and XXXX XXXX to collect a delinquent debt of XXXX. The letter stated that I had a toll violation on XX/XX/XXXX. When I contacted Professional Account Management the first customer representative placed me on hold and hung up. I then called back and spoke to XXXX who informed me that I had XXXX debits with the XXXX XXXX and XXXX XXXX for not paying a toll balance. I explained to him the error with my transponder and informed him that the error had been cleared up with the XXXX. I also explained to him that a payment in the amount of {$18.00} was mailed to them on XX/XX/XXXX. I then requested to dispute the debt and requested validation of the debt. XXXX refused and stated that he did not have to send the debt back and demanded payment. I referenced the Consumer Protection Laws, but he still refused to assist me. I informed him that I was filing a complaint with the CFPB and at time he changes his tone. I am not sure if they will validate the debt and worried about a false debt being placed on my credit report.
Product: Vehicle loan or lease

I bought this vehicle from XXXX on XX/XX/XXXX I was XXXX and went to XXXX  XX/XX/XXXX and got out XX/XX/XXXX I contacted the bank immediately and tried to make payment arrangements they said that they wrote off the debt as bad there and that I could no longer make payments on the loan. I know there was no right to cure sent to my address I have Usps informed delivery and I have went though every day looking for it. 
The car was eventually repoed since they refused to work with me and again I did not get any notice of intent to sale or right to fix transactions. 
When I called about the car they said they sent a certified letter of intent to sale to XXXX XXXX XXXX XXXX XXXX Iowa. This is my grandmothers house and she has received no mail for me she has lived there for 50 years and gets her mail daily. 
lastly the vehicle was sold for XXXX thats a rough figure I just seen that amount drop on the balance on my credit report. According to XXXX the cars value was well over XXXX to XXXX and if you take into the damage on the door it would take it to XXXX to XXXX so they also didnt get fair market value by XXXX to XXXX. I paid XXXX So we have several violations of Iowa state law. 
No right to cure was sent. I can prove that by proving Usps mail emails. 

No notice of intent to sale the vehicle was sent. I can prove this with my grandmothers affidavit when I asked for the tracking number for the certified letter she couldnt find it. 

Lastly the vehicle was not sold in a reasonable matter. Way under value. 

Also Im still waiting on the bill of sale and my property which I requested from the vehicle.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has reported false and inaccurate information to my consumer report that has harmed my reputation as a consumer and defamation of character. consumer reporting agencies are suppose to conduct there own personal investigation /interviews for a report to be accurate. due to experian lack of there duties my reputation has since then be ruined and is embarrassing. I have disputed the false accounts and they have since been removed as of XX/XX/2023 but the account should have never been reported if it was never proof of verification.
Product: Credit reporting or other personal consumer reports

Experian Information Solutions , Inc . 
XXXX XXXX XXXX XXXX, TX XXXX Subject : Formal Request for Deletion of XXXX XXXX XXXX XXXX Account Dear Experian XXXX Department, I am writing to formally request the removal of the following account from my Experian credit report : Account Details : Creditor Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX Account Type : Auto Loan Date Opened : XX/XX/XXXX Balance : {$50000.00} Status : Open, {$990.00} past due as of XX/XX/XXXX Original Balance : {$49000.00} Comments : Completed investigation of FCRA dispute consumer disagrees This account is inaccurately reported and does not reflect my current financial obligations. I am requesting its immediate removal in accordance with the Fair Credit Reporting Act ( FCRA ), which mandates that credit bureaus must report accurate and verifiable information. 

Additionally, the recent CFPB lawsuit against Experian ( filed XX/XX/XXXX ) emphasizes the legal requirement for Experian to properly handle disputes and ensure the accuracy of consumer credit reports. 

Requested Action : 1.  Delete the XXXX XXXX XXXX XXXX account from my Experian credit report. 
2. Provide me with an updated copy of my credit report reflecting this change.

3. Cease reporting this account to any third parties. 

Please conduct a proper reinvestigation and correct this issue. If this request is not honored, I am prepared to file a complaint with the Consumer Financial Protection Bureau ( CFPB ) and other regulatory agencies. 

I expect a written response within XXXX days, as required by the FCRA. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX
Product: Credit card

I contacted Capital One on XXXX to request a lower APR for my business credit card & regular credit card. The agent ensured me that negotiating a new APR is not something that the company does. I then asked if they were able to match the interest rate for a competing credit card company. The agent told me I was stuck with the high interest rate that I have.
Product: Credit reporting or other personal consumer reports

On XX/XX/2024, I wrote to you, seeking an investigation into material that I felt to be fraudulent, erroneous, or improperly reported. To date, the only response I have received is a computer-generated letter claiming that you have discontinued review of my credit reports because you believe I employed a third-party credit repair firm. Not only do I believe this is a stall tactic on your behalf to allow you an extra 30 days to comply with my original request, but I also believe it is a clear violation of the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

Date of Transaction : XX/XX/XXXX Problem Date : XX/XX/XXXX Amount of Dispute : {$2200.00} I am not liable for this debt with XXXX XXXX XXXX and I don't have a contract with them and they never provided me an original contract like I asked. 

I have made several attempts to call XXXX XXXX XXXX XXXX and I have not received a response back.
Product: Checking or savings account

Capital one has not deposited my paycheck into my account. After hours on the phone we have no answers and they did not notify customers in a timely manner. Instead hid it from customers until XX/XX/year>2025 and still no resolution.
Product: Credit card or prepaid card

On Sunday XX/XX/XXXX there was a fraudulent charge of {$430.00} on my credit builder account which I did not make nor have any idea what it is for. Company is called XXXX XXXX and when I looked them up on internet there is numerous fraud cases with this company. I disputed the transaction with chime while the charge was still pending and they did nothing but send me a email saying my dispute was denied. This money was basically stolen from my account and my old banks like XXXX XXXX XXXX and XXXX XXXX would have credited me the money same day but chime has still not credited me for this stolen money as of yet after I disputed it and appealed the dispute and I will continue to appeal or do anything and everything to get the money back that was stolen from this fraud company.
Product: Mortgage

Overall closing went well for me, however during the transfer to another mortgage lender the company refused to take my payment before the servicing was transferred and then proceeded to expedite my transfer, thus terminating my account and canceling my payment. 

On XX/XX/XXXX I received a letter that the servicing of my mortgage load is being transferred and would be effective coming XX/XX/2021. And that I was to pay the the other company starting on XXXX XXXX. The letter clearly states " First Community Mortgage , Inc. ( " Present Servicer '' ), is now collecting your payments and will stop accepting payments received from you after XX/XX/2021. Y '' which is then followed by " ... ( " New Servicer '' ), and will begin accepting payments on or after XX/XX/2021. '' This would indicate that I could pay my bill early this month through FCM ( First Community Mortgage ) and not have to deal with the hassle of trying to pay a bill on the day that my service is transferred over on the XXXX of XXXX to the new mortgage company. 

I attempted to pay my bill on the on the XXXX of XXXX. I received a confirmation email that the one time draft activation had occurred. However I received a call from a restricted number on the afternoon of the XXXX of XXXX from a man who said his name was XXXX that my payment did not go through. I asked what the reason was and he wouldn't really give me an answer of what happened but did let me know that he would put in the comments of the tracking of this payment that I had been called. I checked with my bank and I had the appropriate funds for the payment so I went back to the FCM dashboard to see that " Loan removed due to release '' had occurred on the XXXX of XXXX. This is a full 13 days early to the transfer that was listed on the letter I received on the XXXX of XXXX. I attempted to call the customer service line and the person I spoke to was very kind but unable to do anything and said there was no history of my attempted payment and that I had already been transferred. I voiced my concerns there however there is nothing they were able to do. 

This complete negligence regarding abiding to transfer dates they previously provided consumers is deplorable and unacceptable business practice for any company.