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

This account is fraudulent listed below XXXX XXXX XXXX  {$9700.00} XX/XX/2014
Product: Payday loan, title loan, or personal loan

I can't get in front of the interest payments and at the current rate, I will continue to overpay the loan approved. I have made payments for longer than a year and I still have a {$3900.00} balance on a {$4800.00} credit. I am not attempting to get out of any responsibility to pay, but the interest payment every month will never address the principal and I will be upside down unless I pay it off in full.
Product: Credit reporting or other personal consumer reports

I've contacted Equifax more than 3 times about information they are reporting that supposedly reflects a " serious delinquency '' on one of my accounts. I've examined my ENTIRE credit report multiple times but do not see ANY delinquency shown there. I do NOT have any delinquent accounts, nor should I have negative information on my credit report. This improper reporting of information is affecting my ability to secure low interest rates.
Product: Mortgage

On XX/XX/XXXX I discovered that my Mortgage Company never processed my XXXX XXXX payment. I have verification from the mortgage company app stating that the payment was scheduled for XX/XX/XXXX. Because of this error by the mortgage company, they have added late fees, and reported this to the credit agencies; resulting in a XXXX loss on my credit score. I faxed a letter to the mortgage company on XX/XX/XXXX explaining that this was no fault of mine, it's their fault. I have also NEVER been late on my mortgage payments in the past. Carrington Mortgage Company seems unwilling to work with me to make right of this situation. I also received a certified letter in the mail today stating that I am in default and if a payment is not received, they will start foreclosure proceedings. This is absolutely absurd that a hard working, tax paying, American citizen can be treated like this by a mortgage company. I would appreciate advise on how to proceed as soon as possible. 

XXXX XXXX XXXX Mortgage Company : Carrington Mortgage Services LLC XXXX XXXX XXXX XXXX, IN XXXX
Product: Debt collection

I tried to dispute the accounts/inquiries that are fraudulent with all three major credit bureaus ( XXXX, Equifax, and XXXX ) XXXX They would not remove some accounts. I filed a report for Identity Fraud which I didnt know was possible until I spoke to a local Police Officer. I have multiple accounts with varying amounts. One is a XXXX XXXX card that Is reporting {$1300.00}. Then there are two collection accounts that were removed from XXXX but not the others. Those are XXXX XXXX XXXX at {$120.00} and XXXX XXXX at {$140.00}. None of these accounts belong to me and yet they refuse to remove these ALONG with inquiries that were disputed.
Product: Credit reporting or other personal consumer reports

I mailed letters to TransUnion and XXXX showing them copies of incorrect information that is being reported through their companies. I received a letter from XXXX stating, " We received your request regarding your XXXX credit file. However, we are unable to locate a credit file for you for one of the following reasons : 1. You have not applied for credit recently.

2. You have not actively used credit in the past ten years, or 3. You have not lived in the United States or have not been issued a U.S. social security number. 
TransUnion simply stated " Re : Unable to locate credit report ''
Product: Debt collection

I keep getting a call from this number - XXXX. It comes up as spam on my cell phone. I blocked the number on Monday when it came up as spam. Somehow this number even though I have it blocked has called me repeatedly now for three days non stop. I don't know how it is getting through. I looked it up and see it belongs to RGS Financial. I never heard of this place, have never done business with this place, never signed any contracts with this place. Apparently they are scammers when their number comes up as spam. They have been hammering my phone calling with that number since Monday even though it is blocked on my phone. That in it's own right is illegal to do to circumvent the block.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's 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 recovering lost funds was impossible and that tracking these transaction was unfeasible. The CFPB 'S finding indicate that Zelle has not only neglected to 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 concerns about the consumer safety.
Product: Debt collection

On XX/XX/XXXX at XXXX I was contacted and told they were verifying my address so I could be sent a file about a lawsuit that was about to be filed against me. I was informed that the name of the company was XXXX XXXX. I contacted XXXX and was told that they are attempting collect on a outstanding debit I had with USBank. I informed them that my account with US bank was closed in XXXX or XXXX. They said I had a negative balance and they had purchased the account to collect and that the account was closed in XXXX. She stated that original balance was over {$800.00} and said it was more with interest and attorney fees would be added if they continued with the lawsuit. I told her I had not received anything in writing notifying me of the debit. She stated that had mailed out a letter 45 days ago. She also stated other addresses I lived at in the past claiming they had sent it there also. One of the addresses belongs to a family member and they did not receive anything either. I have not received anything. I have been at my current address since XXXX and had the same phone number since XXXX. This is the first time I have received anything concerning this. I asked her to send me the information to verify the debit. She stated she could but by the time I get it they would have already have sued me. She said if I am disputing it I will need to do that in court. I asked how can I validate the debit if I can not see what I owe. I said I had an account with USbank that closed in XXXX or XXXX but I do not know if that is what they are saying I owe on because they will not send me anything to show the debit. She stated I had until end of business tomorrow to contact them again and settle. I told her to email me the information on the account, and she said all they could do was email me the settlement offer. She gave my the account number attached to the collection and said I needed to do my research and get back in touch with them tomorrow. I contacted USbank and they informed that my account with them was closed in XXXX and charged off and sold in XXXX to XXXX XXXX XXXX. I asked for something in writing that could show my account was closed in XXXX and sold in XXXX and show what I owe and how I owe it. XXXX XXXX XXXX USbank said she could not because the debit was sold and I would need to contact XXXX XXXX XXXX. I attempted to do that and they are out of business because the owner was charged with fraud from forging documents, bribing bank officials and using misleading information to resell those debits. I am attempting to send a verification request to XXXX XXXX and they will not give me an address to send the request to without identify myself and case number. I can not find XXXX XXXX online and the phone number they gave me does not come up on any searches either. 

US bank will not give me something showing the account closed because they sold it to a collection agency that closed. I do not know where to go next.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX, XXXX XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX, XXXX 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 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 months that are reported late 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. 


XXXX XXXX, 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

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 account without my written instructions 15 USC1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for purpose 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. 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 or other personal consumer reports

I am writing to formally address a serious concern regarding the unauthorized access and/or furnishing of my credit information. It has come to my attention that my credit report has been accessed and/or shared without my written consent. 

According to 15 U.S.C. 1681b of the Fair Credit Reporting Act ( FCRA ), a consumer reporting agency must obtain written authorization before accessing or disclosing an individual 's credit information. I have not provided any such written consent.

In light of this, I am requesting the following actions : Detailed Disclosure : Please provide a detailed account of all entities that have accessed or furnished my credit information, including the dates and purposes of these actions.

Proof of Authorization : Furnish evidence of any written consent that authorizes the release or access of my credit information.

Deletion of Unauthorized Information : As my consent was not obtained, any information accessed or reported without my authorization must be removed from my credit file immediately. Under 15 U.S.C. 1681i, you are required to investigate and correct or remove any inaccurate or incomplete information. The presence of unauthorized information qualifies as such and must be deleted to comply with this requirement.
Product: Mortgage

I found out to late Ive been scammed because the collection companies never lower the debt after 13 years plus changed my collection company 3 times to find out they are scamming me from all the payments Ive made over 13 years and they are not my original creditor that I owe its not fair Im a senior XXXX XXXX XXXX XXXX since 2007 the original creditor was a financial company who never tryed to help me my income is XXXX $ a month Im having hardship even since I went to as I said didnt know they were debt XXXX I need help they are trying to for close on my loan that should have already been paid off my credit report shows I dont owe any one paid with a XXXX balance but this XXXX XXXX XXXX XXXX  XXXX says I owe this bill Im XXXX and didnt know that collections not from original creditor could keep harassing me plus invading my privacy with out even letting me know which my daughter and husband and me caught a lady starting to take pictures of my house yesterday the XXXX hidden behind my tree trying to take pictures of my home which invaded my privacy I talk to the law about it and her she told me she was from the XXXX XXXX XXXX  which she didnt notify me at all no police to excort her now Ive been harassed by this company called Fay servicing LLC which XXXX do not owe I need help Im a XXXX  who is XXXX  and has a XXXX XXXX and by law I shouldnt have to keep paying debt collectors for something I dont owe I had written them a letter asking for the proof of my original creditor the loan debt the proof they own this loan
Product: Prepaid card

My son gave me an American Express gift card on XX/XX/2023. It was in the amount of {$400.00}. I have only been able to use my gift card once. I used on it XXXX/XXXX/203 at the XXXX on XXXX XXXX XXXX in for {$42.00} and purchase went through. However from XXXX XXXX XXXX XXXX. I have been declined at XXXX XXXX, XXXX on line once and a gas station in XXXX XXXX  ( I went inside to make my purchase. I have also been declined at the same XXXX on XX/XX/XXXX where my purchase went through on XXXX day. I spoke with a customer service rep on XX/XX/XXXX and was told my card was declined to my to my safety and protection of my card and that I could try other merchants. I don't have time to go all over town and see if my card will work on a purchase. Their web site says the card can be used anywhere. This is a not true. I can't use my card. I want my money. Also I am reading on the web site XXXX and d this is happening to a lot of people. AMEX is stealing our money!
Product: Vehicle loan or lease

I bought a new XXXX XXXX XXXX XXXX XXXX XXXX. My previous car which was XXXX XXXX XXXX kept breaking down and on this day it broke down again with repairs more than I could afford. I had the tow truck driver take me to XXXX XXXX in XXXXXXXX XXXX  I was stuck over an hour away from home. I knew my credit wasnt great but it wasnt really terrible either. After hours of sitting there they said the only loan they could get approved for me was through Exeter Finance. They didnt even tell me the interest rate or payment until I was in their office to sign which was after XXXX. I was there since XXXX and was physically and emotionally exhausted. They charged me 26.6 % interest with a car payment of {$620.00}. That was 3 times the amount I was paying on my previous car. I felt backed into a corner so reluctantly I signed the papers hoping I could refinance at a lower rate in the near future. I was within a few months really having trouble making the payments but I decided to try to refinance. By then the car was already about {$4000.00} underwater. No one would refinance unless I paid down the extra money. I did not have it so I have been stuck trying to get out of this loan for XXXX  years. I have now made XXXX payments and the loan has only gone down by about {$3500.00}!!! I have paid {$24000.00} to this finance company for a {$22000.00} car and they said at this time my payoff is still {$19000.00}!! I am now XXXX  months behind on payments. I just dont know what to do at this point. This CAN NOT be legal!!! I am literally XXXX XXXX working XXXX jobs trying to make ends meet and I XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I need some relief but Exeter refuses to alter the initial terms at all to help me!
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, I reviewed my credit report and found grave errors that the company is reporting to my consumer report as late or missed payments, and because of this I am being discriminated against to extent my credit. The inaccurate consumer reporting is causing great harm to my reputation and injury to my character. This is a violation of FCRA 15 U.S.C 1681 ( 4 ) ( b ) These accounts where never late or missed a payment. I demand these accounts be Updated to its proper payment status of Pays / Paid as agreed. 
Again, I demand these accounts be Updated to its proper payment status of Pays / Paid as agreed within 30 days of the receipt of this letter. 
XXXX XX/XX/XXXX ( Not more than XXXX payments past due ) XX/XX/XXXX ( At least 120 days or more than four payments past due ) XX/XX/XXXX ( 30 days past due ) XX/XX/XXXX - XX/XX/XXXX ( 30 days past due ) XX/XX/XXXX ( Settlement accepted on this account paid collection ) TransUnion XX/XX/XXXX ( Payment after charge off / collection ) XX/XX/XXXX ( Not more than XXXX payments past due ) XX/XX/XXXX ( 120 days past due ) XX/XX/XXXX ( Settled ; less than full balance ) XX/XX/XXXX ( Payment after charge off / collection ) XXXX XX/XX/XXXX ( Paid, was past due 60 days ) XX/XX/XXXX ( Current, was past due 30 days ) XX/XX/XXXX ( 30 days past due )
Product: Debt collection

Upon reviewing my most recent credit report, I have found a third party medical collection account on my credit report with, XXXX, XXXX  and XXXX  with a company that does not have a surety bond with the Texas Secretary of State. According to Section 392.101 of the Texas Finance Code,  they are illegally attempting to collect this debt and are in violation of Chapter XXXX. I request that they stop reporting this debt and have it removed from my credit by notifying the said credit bureaus immediately. The company that this complaint is in regard to is stated below. 

XXXX XXXX XXXX XXXX XXXX XXXX, CA. XXXX XXXX Debt Amount- {$410.00} Opened on- XX/XX/2017
Product: Credit card

on XX/XX/year> my rewards from my citibank double cash card were returned back to my online account my old checking account is still in their old system and there is no way for me to update it online ive added my new checking account info in my payment account for both cards Citi bank refuses to have a supervisor call me regarding this issue the representative I spoke to tonight hung up on me im tired of the rude XXXX  customer service I believe this issue could have been resolved without filing a cfpb complaint.
Product: Credit card or prepaid card

Have filed multiple dispute complaints on fraudulent transactions and all disputes have been denied without providing no documentation as to the investigation or outcome of the decision
Product: Credit reporting or other personal consumer reports

I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that n
o consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.
Product: Credit reporting or other personal consumer reports

To whom it may concern, I am writing to inform you about a very alarming and important issue regarding the compromise of my social security number, which has resulted in me being a victim of a data breach and identity theft. To address this situation promptly, I have already contacted the Federal Trade Commission and filed an FTC Report which is enclosed with this correspondence. By 15 USC 1681c-2 c ( a ), it is imperative that you, as a credit reporting agency, take immediate action to block and remove all information associated with this identity theft from my credit report. This statute mandates that credit reporting agencies must promptly address such requests within four business days of receiving a complaint that includes the following information : XXXX XXXX I am writing to dispute this account on my credit report due to aggravated identity theft. These accounts were opened or made without my consent using my personal information. As this is a case of identity theft, I request that these items be removed from my credit report immediately. Please provide me with any documentation you have on these accounts to assist with my investigation and report to the appropriate authorities. 

XXXX I am writing to dispute this account on my credit report due to aggravated identity theft. These accounts were opened or made without my consent using my personal information. As this is a case of identity theft, I request that these items be removed from my credit report immediately. Please provide me with any documentation you have on these accounts to assist with my investigation and report to the appropriate authorities. 

XXXX XXXX XXXXXXXX I am writing to dispute this account on my credit report due to aggravated identity theft. These accounts were opened or made without my consent using my personal information. As this is a case of identity theft, I request that these items be removed from my credit report immediately. Please provide me with any documentation you have on these accounts to assist with my investigation and report to the appropriate authorities. 

XXXX - XXXX XXXX I am writing to dispute this account on my credit report due to aggravated identity theft. These accounts were opened or made without my consent using my personal information. As this is a case of identity theft, I request that these items be removed from my credit report immediately. Please provide me with any documentation you have on these accounts to assist with my investigation and report to the appropriate authorities. 

XXXX XXXX XXXX XXXXXXXX I am writing to dispute this account on my credit report due to aggravated identity theft. These accounts were opened or made without my consent using my personal information. As this is a case of identity theft, I request that these items be removed from my credit report immediately. Please provide me with any documentation you have on these accounts to assist with my investigation and report to the appropriate authorities.