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

I have been in regular contact with my previous mortgage company about their reporting of my account on my credit report. They have agreed to remove late payment and account entirely from my credit report and have not done so. The account is paid in full and they have not yet removed nor will they submit to me a statement of removal, even after disputes through credit agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX ( All Accounts ) 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 furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX. 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 XXXX ( b ) of this title is mailed or delivered to the consumer not later than XXXX days before the payment due date. 


XXXX XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section XXXX ( b ). 


I have requested proof that this information was mailed or delivered XXXX days before the payment due date and this information was requested in good faith pursuant rule XXXX 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: Debt collection

I AM THE NATURAL PERSON AND CONSUMER AND THIS IS NOT A CREDIT REPAIR COMPANY. According to XXXX6 CFR 433.1 I the affiant has reason to believe and do so believe a purchase money loan, cash advance was given to US DEPT OF ED as the creditor from the U.S. Treasury for a finance charge and the consumer credit was to be forwarded to the consumer or natural person, I the affiant, in this transaction for household, goods, and services in exchange for disclosed, limited and authorized use of the negotiable instrument, social security number or credit card and signature I have provided, which are all properties which belong to I, the affiant, so be it. Pursuant to 16 CFR 433.2 In connection with any sale or lease to a consumer, such as I, the affiant am aware, a contract must include the provision described in 16 CFR 433.2 ( a ) otherwise this contract would be known to be an unfair or deceptive act or form. In connection with this provision, I am invoking my right as the debtor to assert all claims and defenses against US DEPT OF ED in connection with this transaction and or negotiable instrument and any other possible derivatives in order to recovery any amounts paid and its proceeds. I have claim to the interest and the proceeds of each trade and instrument in accordance with UCC 3-306 with the possessory right to both the instruments and the property. I'm also aware in accordance with 16 C.F.R. 433.3 US DEPT OF ED is not exempt from any claims or defenses as described in 16 C.F.R. 433.2 ( a ) as I, the affiant, may invoke, his rights as the debtor in this consumer credit contract againstUS DEPT OF ED for the unfair and deceptive practices as no contract after the date of XX/XX/1977 is exempt from 16 C.F.R. 433.XXXX. A Promissory note is a negotiable instrument. US DEPT OF ED has committed aggravated Identity theft and is still benefiting from my intellectual property. My vehicle was illegally repossessed and I now can not get to work and pay for everyday necessities. I was never informed full material disclosure pursuant to Truth In Lending Act. I have requested several times documentary evidence showing I owe this alleged debt and nothing was ever produced.
Product: Checking or savings account

I have been a square checking account and user for 7+ months now and I've used the deposit check feature many times since opening as it's a free option for my customers and I for accepting payments. Recently square decided that I did not have enough history with them and they removed the feature to deposit checks into my checking account and only left the option of using the 3.5 % processing fees. They took away my free option after 7+ months of using the service.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX with XXXX XXXX XXXX XXXX  pulled my XXXX   credit report without my consent. I contacted the XXXX XXXX and they said that they have made the appropriate updates and have notified the XXXX  of the changes that need to be made to my credit report. They said that the hard inquiry would go away.However, the hard inquiry has never removed from my XXXX credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent Experian a letter on XX/XX/2020 disputing wrong addresses, phone numbers and employment information. I have attached a file that shows the U.S. Postal Certified Mail receipt as proof and they did not remove the inaccurate information. The following incorrect personal information is listed below : Addresses : XXXX XXXX XXXX XXXX XXXX, WISCONSIN XXXX XXXX XXXX XXXX XXXX XXXX, WISCONSIN XXXX Employment : XXXX XXXX XXXX Phone Numbers : XXXX XXXX I request that Experian remove the inaccurate addresses, phone numbers and employment information listed above, being that I have no association with this information.
Product: Credit reporting or other personal consumer reports

RE : TRAFFICKING BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of trafficking. The information listed below, that is currently listed on my credit report is a result of that trafficking. Listed below are the Personal Information that are being challenged Incorrect Name : - XXXX A XXXX Incorrect Previous Address : - XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Incorrect DOB : - XXXX Listed below are the Accounts that are being challenged XXXX XXXXXXXX XXXX XXXXXXXX - XXXX XXXX XXXX - XXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN XXXX BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF TRAFFICKING IN PERSONS. IF THE CONSUMER HAS PROVIDED TRAFFICKING DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. CFPB-2022-0023 ] RIN 3170-AB12 PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF XXXX XXXX  ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TOTHISMATTER!!
Product: Money transfer, virtual currency, or money service

( Block, Inc. ) due to inadequate customer service and unfair protection, which violate the customer financial protection act ( CFPA ). Specifically, Cash app failed to take timely and effective measures to prevent an address for on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error, resolution requirements under the electronic fund transfer act. ( EFTA ) and regulation E these action have caused significant inconvenience and financial loss and I seek appropriate redress for these violations.
Product: Credit card or prepaid card

On XX/XX/XXXX, after I pulled my credit report, I found out multiple accounts that I did not recognize. I was told to file a Identity Theft Police Report which I did. After that, I submitted my disputes to the credit bureaus with the account : BEST BUY/CBNA alleged opened on XX/XX/XXXX with an alleged balance of {$3700.00} # XXXX, still show on my credit report. I contacted the company on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I spoke with XXXX, XXXX, XXXX, XXXX and XXXX at Best Buy City Bank Fraud Department and Security Operations at XXXX, XXXX and XXXX and the problem was not resolved.
Product: Debt collection

I have attempted to obtain backup from XXXX and their debt collections agencies to no avail. The only information I have for an account with XXXX shows they owed me money when I closed my account. They have not provided any documention otherwise and continue to harass me for an account I do not believe is mine.
Product: Credit reporting or other personal consumer reports

I have been calling and filing dispute to equifax about the balance on my account being incorrect i have file several dispute and they seem to be ignoring me there was also the balance on my westlake account but they have since fix that now the problem is my credit card and they refuse to fix it i have even got the bank to send me a doc to prove that the balance is incorrect the bank told me they sent over the information since XX/XX/XXXX and they still have not update the information due to this my score is being affected and its not reflecting the correct information. 

I have called them and can't seem to get them to understand the improtantance of updating my information in a timely manner they have also encourage me to buy there service in order to see the most updated information and there is still no change i feel like Equifax has scam me and don't really care how this affects me and moving my future forward due to there in ability to keep my information accurate its costing me to be stuck bank won't loan me and i need a car living in the city im in i have to have a car to move around and i have been trying to finance one but have no luck due to this inaccurate information on my file..

15 U.S.C 1681It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy i think this code which is law is being violated.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE ACCOUNT BEING DISPUTED DOES NOT BELONG TO ME, I AM NOT RESPONSIBLE FOR THIS ACCOUNT TO BE REPORTED ON MY CREDIT REPORT. PLEASE HAVE THIS ACCOUNT REMOVED OFF MY FILE FOR I HAD NO KNOWLEDGE OF IT BEING ON MY CREDIT UNTIL I RECENTLY UPDATED THE REPORT.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. On XX/XX/2019, XXXX XXXX  XXXX add a hard inquiry on my credit report per XXXX. On XX/XX/2019, M & T BANK DIRECT add a hard inquiry on my credit report per XXXX. On XX/XX/2019, XXXX XXXX XXXX  add a hard inquiry on my credit report per XXXX. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I discovered several erroneous entries. The Equifax credit bureaus are legally obligated to validate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is completely unacceptable to treat this reporting accounts as unverifiable without providing proof within the required legal timeframe. I demand that you investigate the unverifiable accounts listed below in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). 
XXXX XXXX Balance : {$260.00} XXXX XXXX Balance : {$680.00}
Product: Checking or savings account

On XX/XX/2019 I opened a account with Navy Federal Credit Union ( NFCU ) I qualified for the membership through a roommate who was a government contracter. NFCU after requesting numerous pieces of documents my drivers license as well as proof of residency opened my account for a checking and savings account and I made a {$50.00} initial deposit using my credit card.After about 10 days I encountered a representative on the phone who stated they could not understand my XXXX and immediately after that I noticed while trying to log into my account that my account was blocked. I met all qualifying criteria for membership however I felt because my XXXX was not as fluent as the representative wanted she had my account blocked for additional documents.This I believe is a unfair practice and should definitely stop.
Product: Credit card

Upon receiving my first bill from chase bank for my southwest credit card I endorsed and filled out the bill in accordance with bill of exchange act, I included a letter of instructions to tender my account, as well as Federal Reserve Act 16 and a durable power of attorney.

After 5 days a second letter of instructions was sent to chase for an opportunity to cure their non performance of fiduciary duties. I also included another endorsed and filled out bill as well as Federal Reserve Act 29 ( Civil money penalty ) to inform them of the punishment by law for non performance of fiduciary duties. 

After 5 days a final notice letter of instructions was sent as a default judgement for non performance of fiduciary duties. I also included another endorsed bill filled out in accordance with Bill of Exchange Act, a document with 18 U.S.C 8 ( Obligations or other security of the United States defined ) and 12 U.S.C 1431 Powers and Duties of the banks, Federal Reserve Act 29 and an intent to file Federal lawsuit for breech of contract.
Product: Credit reporting or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 
XXXX XXXXXXXX XXXX XXXX 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

Hi ... 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. 

XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX, all 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 an 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, credit repair services, or other personal consumer reports

The company was asked to investigate and validate the accounts that are being reported to the credit reporting agencies. They failed to do so within the guidelines of the FRCA and FDCPA federal laws. I have been reaching out for months with no to minimal responses that were delayed and avoiding sending any information that has been requested. The information currently listed is inaccurate and has yet to be validated to provide accuracy. It is affecting my overall financial stability due to my credit score showing false reporting. Please see the attachments to this comment.
Product: Debt collection

This was a joint account ( ex-husband ). When he left ; this was included in my bankruptcy. Should be removed from file. I have attached the document. Page 14
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a credit card though XXXX with the sole purpose of receiving and up to date and accurate credit score. I was approved. I waited for the paperwork to come in the mail to provide me with score and relevant information they received in which this decision was made. It was not included. I downloaded the app and searched all communication- it was not available. I called and was transferred 4 times. Finally, the data analyst said they dont have access to this information nor could the provide it. I asked that it be mailed to me, assuming security wouldnt allow them to give it over the phone. She stated she could not. I was escalated to a supervisor who said if we had to disclose that information, we would have and recommended I check XXXX XXXX. 
I believe I am entitled to the information which was used in determining my eligibility for a credit card, including the score at time of application and approval.
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please remove these items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$9600.00} XXXX XXXX XXXX : {$4100.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$120.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1700.00} XXXX XXXX Balance : {$12000.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX : {$9600.00} XXXX XXXX Balance : {$4100.00} XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$120.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$1700.00} XXXX XXXX Balance : {$12000.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$9600.00} XXXX XXXX Balance : {$4100.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$120.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX A ) XXXX Balance XXXX {$530.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1700.00} XXXX XXXX Balance : {$12000.00} XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

On my credit report it states that the original credit is XXXX  XXXX XXXX and was opened in XXXX. But it also shows an open balance as of XX/XX/XXXX. I have never done business with this company so do not know if this debt is mine or what it is in reference to.
Product: Credit reporting or other personal consumer reports

On my XXXX report I dont have any collections, 8 closed accounts and 0 open accounts. On my XXXX and Experian there are different numbers of closed, open and collections accounts. 
Please verify, accounts should be removed for inaccurate 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 CFBP 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 transactions was unfeasible. The CFPBs findings indicate that Zelle not only has neglected to protect consumers but has also allowed repeated 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: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit file, incorrect information was found in my reports. The 3 Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX : XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

Midland Credit Management , Inc has damaged me being NEGLIGENT AND UNFAIR. Your company has committed the following damages {$10000.00} : failure to get mortgage, paying higher rates on loans, failure to secure funding, psychological hardship and suffering through loss of sleep and anxiety. 

This was a XXXX XXXX account. It was a business debt, XXXXXXXX XXXX never produced a signed contract, it was not labile. Also, the account is being re-aged. I DEMAND : THE DEBT BE FORGIVEN AND THAT MIDLAND SENDS A RELEASE OF LIABILITY TO MY EMAIL. 

Account information below : Account number : XXXX, date Opened : XX/XX/2020, credit Limit : {$2000.00}, original creditor : XXXX XXXX XXXX XXXX XXXX 

I have made my research and your company is committing multiple violations to the CCRA. Please read them carefully. I need you to take this matter seriously : Re-aging account Reporting account without a signed contract with original creditor. Negligence Unfair business practices Based on all the damages and violations that I have been through I demand to get the account removed from my records. I give you a deadline of 30 days to delete the account from my reports and a release of liability.
Product: Checking or savings account

Regions bank surprises customers with a " transfer '' fee to code a Traditional or Roth IRA CD transfer [ check ] to another financial institution. They don't charge for a IRA CD withdrawal ( rollover ) but they do for a " transfer '' even though both processes are basically identical in effort. 

Their branches don't know about this fee OR they hold this knowledge back and spring it on you when you come in to do the " transfer ''. 

They try to take the " fee '' out of the IRA funds, which in Georgia, is illegal.