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

Upon reviewing my credit file, incorrect information were found in my reports. The TransUnion, XXXX, and XXXX 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 XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX on XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX XXXX XXXX on XXXX XXXX, XXXX XXXX. XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX. XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX on XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX XXXX  Inquired on XXXX XXXX, XXXX XXXX. XXXX XXXX Inquired on XX/XX/XXXX XXXX. XXXX Inquired XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX
Product: Mortgage

At the beginning of my loan i set up Bi Weekly payments and asked my lender to apply any payments as soon as received. XXXX XXXX XXXX/ Dovenmuehle Mortgage INC.
 Then i filled out the form that came by mail with first time home buyer consumer info. 
XXXX  Bi-Weekly Administration. ID # XXXX.  Referance I.D. XXXX XXXX
 And i make sure funds are there weekly as if Bi-Weekly is good Weekly should be better.
 After wondering why my Loan completion date has not changed or Amount owed i inquired and have been told by XXXX XXXX that they hold the payments and apply as soon as the amount due arrives. I inquired into why and she told me thats the way they do it. Then a teller tells me that any amount i pay can be applied at any time. Well i thought i was apply $XXXX per week for 6 years and the money comes out of my account every  week why is it not being applied.
The forms for the Bi weekly were filled out prior to XX/XX/2014 and money comes out of my wifes account weekly.
Product: Credit reporting

I filed a complaint and did not receive any response from the credit bureau. It has been over 30 days.
Product: Mortgage

My name is XXXX XXXX Contact : XXXX Phone : ( XXXX ) XXXX I have been working with Citizens Bank on a Mortgage loan ( FHA case # XXXX XXXX ) Lender loan No. XXXX Mortgage XXXX The closing date was originally XX/XX/XXXX to XX/XX/XXXX However, per Citizens Bank Request , the date was moved to XX/XX/XXXX. 
Citizens Bank stated needs more time to process since they found that a new FHA/Covid regulation disqualified me to obtain a mortgage. I was advised to pay my car loan in full. I used around {$7000.00} from my savings account to eliminate this barrier. 
On XXXX was informed I was unable to do the closing. Citizens requested all of my documents to be re-submitted. Besides requesting all documents citizens stated that they were waiting on a document from the Department of Education since they were not sure of my student loan status. Loan student status was clear. Clsong date was changed to XX/XX/XXXX. 
On XXXX-Citizens stated they realized the appraisal for my home was not under my name. Therefore, they had to work on it and date was changed to XX/XX/XXXX. 
On XX/XX/XXXX they stated I did not had enough funds for closing. An offer to waive the right of a home tilltle and to increase my percentage. I declined since I did had the funds and provided proper documentation. However, I have not received any response but from my attorney stating the day went by and Citizens did not send the closing package. 
I believe all of the last-minute inconveniences were 100 % preventable since Citizens was provided with all of the documents with time in advance. I resubmitted all of the required documents within minutes of their requests. However, the closing has not happened and today I am homeless with my family since my lease with my current landlord expired. I had taken unnecessary vacation days from my employment and the situation affected third parties not to mention the financial and emotional distress this caused to my family. Through this process, I have been sending emails to XXXX XXXX ( XXXXXXXX XXXX Supervisor ) who has been ignoring my emails. I also contacted Customer Service who were not able to provide me with anyone who can help this time solve my situation before the seller pulls out and I lose my deposit. I believe the madness of the transaction is unusual and hope Citizens Bank can solve this situation. Hopefully, someone reach out and provide me with a satisfying explanation. Thanks.
Product: Credit reporting or other personal consumer reports

This letter serves as a formal and urgent demand for the removal of an auto charge off/repo account appearing on my credit report under account number XXXX, as it is in violation of federal law and lacks sufficient proof of verification. Despite multiple requests for evidence, your failure to provide adequate documentation demonstrating the methods taken to verify the legitimacy of this account constitutes a breach of my rights under the Fair Credit Reporting Act ( FCRA ).

Specifically, pursuant to 15 U.S.C. 1681i ( a ) ( 2 ), the credit reporting agency is obligated to conduct a reasonable investigation upon being notified of a dispute. This includes providing documentation that verifies the accuracy of the reported information. 
Your failure to comply with this law, by failing to supply proper documentation within the prescribed timeline, is a serious infraction. As such, the continued reporting of this account is unwarranted and harmful to my financial standing The absence of such documentation confirms that this auto charge off/repo account is unverifiable, inaccurate, and in violation of my rights. Therefore, I demand immediate removal of this entry from my credit report. Failure to comply within 15 days from the receipt of this letter will result in further action, including but not limited to formal complaints to the Consumer Financial Protection Bureau ( CFPB ) and potential legal proceedings. 
To expedite the resolution of this matter, please respond in writing confirming the removal of the erroneous entry from my credit report. 
I expect prompt action regarding this demand and look forward to your timely confirmation please and thank you.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns using Zelles handling of disputes particularly in the light of the recent CFPB Lawsuit highlighting significant issues with there 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 the tracking these funds was unfeasaible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeate offenders to exploit the system leaving users vulnerable to scams. This lack of accountability and transparency raises serious concerns about consumers safety.
Product: Money transfer, virtual currency, or money service

You have taken on an enormous job to protect the consumers and ensure that laws are not broken. I dont want to be like a pricking mosquito ; however, Binance.us keeps violating all of my consumer rights. And if they are doing it to me, they are doing it to other small-time consumers. Today, Binance.us sold my crypto without permission, which is totally against the law. I have contacted them repeatedly to release my account so that I can leave their platform. They went ahead and sold my crypto without my permission, and now when I try to send the money back to my account, I get a message that says insufficient funds. I tried to transfer the remainder of my crypto to another platform, and it says my account is disabled even though they have sent an email today telling me that my account is actives and ready to function. Please help as I have no other recourse. What Binance.us has done is illegal, and they should be held to the law like any other company. I am asking your office to protect me, the individual, against this giant XXXX company that thinks it is above American laws. This company is taunting and toying with my emotions. It is causing me to lose money every day and it is making me an emotional wreck. I am anxious and can no longer sleep. This company is causing undue stress and anxiety. I am asking for your help. This is the 3rd complaint I make against Binance.us. I have all the emails to prove all of my complaints to your office. 
Thank you for your consideration in this matter. This situation has become as annoying for me as it is for your office. Please accept my apologies and also my appreciation.
Product: Debt collection

On XX/XX/XXXX, I traded my old vehicle in to the XXXX XXXX XXXX dealership for a new car. The old car was a XXXX XXXX XXXX. XXXX XXXX took the old vehicle and paid it off to XXXX XXXX XXXX ( car payment company for the old vehicle ). 
A few months later, I receive a bill from Westlake Financial stating that I owe payments for the remainder of my auto installment loan for the XXXX. I called XXXX XXXX XXXX and told them that I traded this car in and that I do not own this debt. 
XXXX XXXX XXXX told me that they were aware of the situation. Westlake Financial was now affiliated with XXXX XXXX. I asked the representative why I didn't receive any information about the new affiliation. XXXX XXXX XXXX stated that the payment from the dealership was sent to them when it should have been sent to Westlake. 
The representative also stated that they were working on solving the issue and that Westlake Financial should have received the payment from the original dealership. 
I called back about 3 weeks later and nothing has been solved. The debt still shows that I owe Westlake Financial for the auto installment loan. I call Westlake Financial several times to speak with a supervisor and each time they tell me that the supervisor is either unavailable or gone for the day. 
I was also told that XXXX XXXX and Westlake Financial have been in contact with each other about solving the issue with the debt. 
After all this, I end up with a debt showing on my credit report for an installment loan that I do not own. The car was traded in and paid off from the dealership and sent to the car payment company. Due to the lack of communication and predatory collections tactics, I am a victim of false predatory credit reporting from Westlake Financial. 
On XX/XX/XXXX, I receive a Release of Interest Letter from Westlake Portfolio Management with my Installment Sales Contract stamped PAID. 
Now, I am left with a false credit report on my credit from Westlake Financial with proof that they receive payment from XXXX XXXX XXXX. I am currently working on building my credit back up. It has dropped XXXX points since the false report from Westlake.

Westlake Financial had the payment the whole time but ignored my concerns and waited long enough so they could report a " past due balance '' to my credit. I believe I have been a victim to false credit reporting by predatory credit agencies.
Product: Debt collection

I received a letter froma debit collector ( Revco Solutions ) stating that I owed XXXX XXXX XXXX {$1900.00}. Said that I had a financial account with this credit union. I have never heard of the company. I did receive a debit card the end on XX/XX/2024 but since I get credit card offers from time to time I didn't do anything with it. I still have the card, still attached to the letter with the activation information but I never tried using it. I called XXXX to dispute the amount and since I couldn't get a code to the email or phone number they had on file I couldn't be verified. They had all my personal information. My address, birthdate and social security number. Told me that they couldn't do anything about it and to reach out to a credt bureau to try to resolve this. I did go on the internet and froze my credit but I am still afraid they are going to come after me with wanting this money.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is listed my credit reports as 120 days late. This account has never been late. This account is in forbearance status. I have attached the appropriate documents.
Product: Checking or savings account

PNC made changes that don't allow accessing of accounts. XXXX  integration broken!!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is telling XXXX the account was closed on XX/XX/XXXX but telling Transunion it was closed on XX/XX/XXXX. XXXX is reporting to XXXX that I made payment in XXXX, XXXX, and XXXX of 2020 and then says I was 60 days late in XXXX. 

How did XXXX close my account on 2 separate days? 
How can I make payment 3 straight months and then the following month be 60 days late?
Product: Credit reporting or other personal consumer reports

NOTICE TO AGENT IS NOTICE TO PRINCIPLE NOTICE PRINCIPLE IS NOTICE TO AGENT I am writing to inform you of my dispute regarding the account listed on my credit report maintained by your company. I assert that your company is subject to the arbitration agreement as stated on your company 's website, as well as the arbitration procedures provided by XXXX 
I am fully aware of the financial implications associated with initiating arbitration proceedings, and I am extending you XXXX opportunity to resolve this matter amicably. My settlement demand is as follows : Payment of {$6000.00} to compensate for the mental distress, XXXX emotional distress, and financial hardship that your actions have caused me. 
Deletion of the trade-in entry from all credit reporting agencies where it is currently listed. 
I want to emphasize that the costs associated with initiating arbitration proceedings, including filing fees, arbitration initiation fees, arbitration deposits, and any legal costs incurred throughout the arbitration process, will be significant. As per the arbitration procedures outlined on the XXXX website, you will be responsible for covering these costs, which could amount to tens of thousands of dollars. 
Failure to comply with my demands will result in the initiation of arbitration proceedings. I want to remind you that your continued collection activities may constitute a violation of the Fair Debt Collection Practices Act ( 15 USC 1692c ( c ) ), which prohibits communication through mediums other than mail upon request. 
I expect a prompt response within 15 DAYS, confirming your acceptance of my settlement terms and detailing the steps you will take to comply. If I do not receive a satisfactory response within this timeframe, I will proceed with arbitration without further notice. 
Please send all correspondence related to this matter to the address listed above.
Product: Credit reporting or other personal consumer reports

On XXXX, XX/XX/XXXX, I attempted to change my password with Transunion while logged into my account and using the Change Password screen. I received an error that my current password was not correct. I checked to make sure I was using the correct original password and got the same error. 

I chatted with their support team, who instructed me to log out and change my password using the " Forgot Password '' link. This worked. I also asked them to notify their website security team of this potential vulnerability ; in response to that request, I was asked to email XXXX with the details. 

I received a response from XXXX at XXXX on XX/XX/XXXX informing me that they would not be able to help, and redirecting me back to their general customer service contact. I let XXXX know that I already discussed with them, but have not received a response.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts. Actually I am not sure that the account is even mine though your company claims to have verified these. Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, Equifax, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the XXXX system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

XXXX BANK XXXX, XXXX XXXX CARD SER XXXX
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 USC 1681.. 


XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX + XXXX XXXX XXXX  Inquiry : XX/XX/XXXX + XXXX XXXX XXXX XXXX : XX/XX/XXXX + XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX Inquiry : XX/XX/XXXXXXXX XXXX XXXX  Inqiry : XXXX. XXXX, XXXX XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXXXXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX  XXXX Inquiry : XXXX XXXX, XXXX + XXXX XXXX Inquiry : XX/XX/XXXX 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 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 rep 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 person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

Capital One is refusing Arbitration under the Federal Arbitration Act regarding the Pending Dispute with XXXX.
Product: Debt collection

I recently received alert through Experian that my score dropped due to a medical data bill that Im unaware. I disputed a bill with XXXX XXXX months back because I received charges from a medical source in which we can not verify because the debtor has three different names theyve reimbursed my money for that & reported it to fraud. Now weeks later I receive a derogatory account on my file for medical data system a different name.
Product: Mortgage

Please see all documents Mortgage Statements XXXX XXXX See all Escrow Statements from XXXX Please see email- The mortgage company XXXX have violated right that relate to FHA borrows, CARES XXXX XXXX the XXXX XXXX XXXX XXXX these XXXX support prior case number. XXXX. Please note payments have been made through this program and it appears that XXXX Mortgage payment processing center did not apply funds correctly. Please note it appears they are compressing unapplied funds and placing these funds in other account structures within XXXX Mortgage XXXX note that payments and refund payments was made by U.S. Trustee and those payments are not applied correctly. Please note that the Bankruptcy Payment was canceled in order to qualify for XXXX XXXX XXXX XXXX. Please note the borrow had made payments and those funds was not applied to account correctly. Please investigate these concerns. Please note extra charges and fees may have been applied to the account unfairly. See supporting article from CFPB. Please not due to the miss account and payment processing wrong information may have been reported to the ALL CREDIT RERPORT AGENCIES including XXXX XXXX. PLEASE NOTE : ON numerous times contacted the XXXX XXXX  about these issues. Additionally, I have requested that all correspondents be mailed to me via postal mail. XXXX XXXX  keeps sending emails to my accounts. Please see consumer protection rights under the federal and state code. Please note my age and race may have been violatehttps : XXXX  # : ~ : XXXX % XXXX % XXXX % XXXX % XXXX % XXXX % XXXX under the federal civil rights code.
Product: Credit reporting, credit repair services, or other personal consumer reports

See attatched USAA # XXXX Credit Reporting ( IS A PARTIAL ACCOUNT NUMBER?? ) What is a partial account number? What is the FULL account number? WHY IS THERE A PARTIAL ACCOUNT? Partial Accounts MUST BE IN VIOLATION OF FEDERAL FAIR CREDIT ACT LAW. I DID NOT OPEN THIS PARTIAL ACCOUNT Futhermore : USAA made A COLLECTION Unauthorized Payment XX/XX/2020 in Violation of Social Security Act SECTION 207.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on this account though your company claims to have verified this. 

Depending solely on your flawed XXXX system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in Cushman v TransUnion, Stevenson v. TRW ( Experian ), and Richardson v. Fleet, Equifax, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditorXXXX in question. Sending out a generic form letter through the XXXX  system that does not even contain my reasons for the dispute is by no ones measure reasonable. 
XXXX XXXX
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an XXXX XXXX  helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -51002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of XXXX XXXXXXXX XXXX XXXX XXXX and would like for all listed accounts to be blocked and deleted company information Transunion. 

INQUIRIES : XXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX