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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX Phoenix Financial Services, LLC XXXX XXXX XXXX XXXX, IN XXXX Via U.S.P.S. Certified Mail/Return Receipt # XXXX Re Alleged Original Creditor : XXXX XXXXXXXX XXXX XXXX Alleged Original Creditor Account number : XXXX Debt collectors Name : Phoenix financial services, LLC Debt collectors account number :XXXX Alleged Debt Amount or Balance : {$210.00} Dear Phoenix financial services , LL I recently received communication from you to collect the above-listed alleged debt. 
Your initial communication to me in attempt to collect the alleged debt was within 30 days ago. Please be advised that I hereby dispute the validity of the alleged debt listed above in its entirety. Further, I request verification of the alleged debt, specifically, a copy of a contract or agreement. Said contract or agreement must be with the original creditor and signed by all parties involved. You are illegally attempting to collect the above-listed alleged debt and money that I do not owe. Cease and desist all collection activity, including all reporting to consumer reporting agencies. If you comply with my deletion request within 14 days, then you are excused from verification. Send me a letter confirming your request to CRAS to delete your reporting of the alleged debt. This letter and evidence may be provided to the Consumer Financial Protection Bureau ( CFPB ). The CFPB is authorized to investigate this fully matter and receive any related Information herein. Be advised, if you fail to comply with this demand letter, I may turn the matter Over to an attorney. 

Sincerely, XXXX XXXX XXXX S.S. N. XXXX DOB : XX/XX/XXXX CC : Consumer Financial Protection Bureau via fax and or email @ XXXX
Product: Credit reporting or other personal consumer reports

I have on several occasions ask XXXX, and Transunion to add the following statement. 

My bankruptcy was due to a XXXX XXXX, and XXXX.
Product: Money transfer, virtual currency, or money service

On XXXX, I got an e-mail from PayPal that I would no longer be able to do business with them and that my account would be " Permanently Limited '' - this means no payments can be made or received through their service. I have been a customer since 2006 and have monthly transactions ( mostly paying for goods and services ). I called their support line within an hour of this e-mail and was read a script that told me my account was limited and to seek out other payment services. They said I would be updated on what happened, but in the meantime I am unable to remove my credit card information or bank details from their system- if I had a balanced stored, it would be unable to be withdrawn for 180 days ( I did not have a balance, luckily ). I work for XXXX XXXX XXXX ( ie. XXXX ) so I'm rather familiar with the Dodd-Frank act , and freezing an account for 180 days without providing immediate ( or at least within a reasonable timeframe, for a service used daily by many people ) means for resolution seems to be a UDAAP issue. While I'm not heavily impacted, I do know many others have been in the past and this seems like something that might need to be addressed.
Product: Credit card

in XXXX, I closed my business due to business needs falling through. XXXX to XXXX was unpaid due to not being able to make partial payments, set up a payment plan in XXXX. haven't be late on the payment plan at all since. I went to go apply on a house loan and found out that American Express has hit my personal credit score for collections notice and 4 90-day late payments.
Product: Credit reporting or other personal consumer reports

I reviewed my XXXX Report and noticed that i had XXXX late payment on an account that i was never late for XXXX XXXX XXXX have assumed a vital roll and a have a responsability to report XXXX information to the best of their ability with maximum accuracy. i have never been late on payments fot he account : XXXX XXXX XXXX Account number : XXXX, please investigate and provide proof with statements showings that this payment was late. if proof can't be provide i demand this payment be updated on time as they should be as i was NEVER late. thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/18 I spoke with XXXX XXXX XXXX regarding 3 consecutive months ( XXXX, XXXX, and XX/XX/2018 ) of delinquent mortgage payments that appears on both my XX/XX/2018 mortgage statement ( see attached ) and negatively reported on my credit report ( see attached ). The representative then went on to say that I am not delinquent but it is just the way the process works ; she then told me the reason for the delinquencies is because of the 3 month trial payments ( XXXX, XXXX, and XX/XX/2018 ) related to the loan modification ( that was approved ) there is nothing they could do to correct the credit report that impacted both me and my wife because that is the XXXX XXXX Process. All payments were made on time during the 3 month trial period and XXXX XXXX agreed that they were made on time but still reported the payments as delinquent. This has to be corrected immediately. 

The reason for calling XXXX XXXX bank was because I applied for a business loan for my company and I was denied the loan because of the negative reporting by XXXX XXXX. Instead I was offered an extremely high interest rate cash advance loan with a rate of almost 50 %. Because of the negative reporting by XXXX XXXX, this has caused a hardship on me and my family and the business as well. 

I told the representative that I needed my credit corrected because I was applying for a business loan and she did not care because she was following the banks policy. Then I asked her if she could give me a letter confirming that I am not delinquent so that I can show it to the lender for my business loan and she told me they can not email customers. 

It is hard for me to believe that a bank/mortgage company works this way by damaging a customers credit report especially when they know the payments were made on time and now as a result I am in a hardship for my business including jeopardizing making my mortgage payments because my income from my business will drop substantially since the working capital loan was not approved. 

It is unconscionable that XXXX XXXX did not foresee that this could impact a persons finances. I have tried everything that I could think of to get XXXX XXXX   to fix this including asking for a letter that I can send to my lender for the business loan and they did nothing to try and remedy the situation. The damage to me personally, my family and my business has been done. I had no other choice but to file a complaint with the CFPB and I am shocked that this is their policy.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX Subject : Dispute of Debt under XXXX XXXX XXXX XXXX Dear CFPB I am writing to formally dispute the validity of the debt referenced in your communication received on [ insert date of communication ]. Under the Fair Debt Collection Practices Act, specifically XXXX XXXX XXXX XXXX I request verification of this debt. 
Please provide me with the following information : The original creditor 's name and address. 
The amount of the debt. 
A detailed statement verifying that I am obligated to pay this debt. 
Copies of any documents that substantiate your claim. 

I request that you cease all collection activities until this debt has been validated. Please note that if you do not provide the requested information, I expect you to cease contacting me regarding this debt. 
Thank you for your attention to this matter. I look forward to your prompt response. 
Sincerely, XXXX XXXX Account Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  Original Creditor : XXXX AT T MOBILITY ) Account Number : XXXX XX/XX/XXXX Account Name : XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX ) Account Number : XXXX XX/XX/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. 

Account name : XXXX XXXX XXXX Bank # XXXX, Account name : XXXX XXXX # XXXX, 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 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 or other personal consumer reports

My account with those creditors was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on 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 USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in those account to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent my letter off on XX/XX/XXXX and XX/XX/XXXX. I told Experian to investigate every piece of information on the accounts I listed below. I attached both letters from said dates. I am also attaching my most recent letter I sent out on XX/XX/XXXX. I sent all letters certified mail and have proof they received. According to the FRCA The term investigate consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtain through personal interviews with neighbors, friends or associates of the consumer reported on or with others with whom he is acquainted or have knowledge concerning any such items of information. 
They stated my account was verified but how is that possible if they did not do a proper investigation according to the law. They also have not sent me copies of the documents or items they use to verify these accounts. I also stated I do not consent to e-Oscar or any means of automated verification. They keep disregarding and using e-Oscar. Also, every piece of information on these accounts are still not reporting 100 % accurate and according to the FRCA 15 USC 1681 everything has to be 100 % accurate. 


Listed Accounts : 1. XXXX XXXX XXXX XXXX Account 2. XXXX XXXX XXXX XXXX Account 3. XXXX XXXX XXXXXXXX Unverified Account 4. XXXX XXXX XXXX Account 5. XXXX XXXX XXXX  XXXX Unverified Account 6. XXXX XXXX XXXX XXXX XXXX Unverified Account
Product: Credit reporting

Someone has stolen my son years ago and had several accounts in my name. Here name is XXXX XXXX and she lives in XXXX, XXXX. I have NEVER lived outside of XXXX XXXX so all other addresses elsewhere like XXXX, XXXX are not mines. I tried to file a police report but they could never find her cause she kept changing addresses so PLEASE remove any address other than XXXX XXXX XXXX and any collections outside of that address because it IS NOT ME AND IT 'S NOT FAIR!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I just got a notification of a hard inquiry dated XX/XX/23 for THD/CBNA. I looked it up and its for Home Depot through Citi Bank. I did NOT apply for this. We dont even have a Home Depot store here. I do have a Citi credit card which I opened last year.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violates the Consumer Financial Protection Act ( CFPA ). Specifically Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E.

These actions have caused significant inconveniences and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently reviewed my credit report and found several unauthorized inquiries. I did not give written authorization or verbal consent to any of these inquiries and would like them deleted immediately. 

XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I submitted a complaint against these Bureaus a month ago, yet the erroneous information on my report persists. To my surprise, I have not received any communication from XXXX XXXX, and they have already closed my complaint. Could you clarify the rationale behind closing my complaint without addressing the issue? Have they acknowledged or verified my dispute? I require confirmation that they have thoroughly investigated the inaccuracies on my report and validated the accounts. Additionally, can you provide information on the verification methods employed? This situation is exceedingly frustrating, as it has been over 30 days since I filed the complaint, and I anticipated updates to these accounts by now. If they are not rectified promptly, I will be compelled to pursue legal action due to the significant stress this has caused. Furthermore, I am also worried about the security of my personal data, which was compromised in the Equifax, Experian, and XXXX data breach.
Product: Credit reporting, credit repair services, or other personal consumer reports

Corelogic illegal pulled and supplied innacurrate credit information in a illegal pull of my credit.
Product: Credit card or prepaid card

During the summer of 2020 I was experiencing a temporary shortfall of cash due to Covid-19 related shutdowns. I took out the following cash advances on my Chase credit card at a Chase branch bank : XX/XX/XXXX - {$500.00}, XX/XX/XXXX - {$1500.00}, XX/XX/XXXX - {$1500.00}. I was told at the time by the branch teller that if I paid it off right away that I would avoid the interest. I paid {$2000.00} of on XX/XX/XXXX and an additional {$1500.00} on XX/XX/XXXX. They did not apply any of that money to the high interest cash advance. I tried to resolve it through Chase Credit Card Customer Service twice. The last time I spoke to supervisor XXXX XXXX and was informed that I paid it too early - it had not registered in the system yet despite the fact that I was given contrary information from the teller. She informed me there was nothing she could do. I have paid approximately {$600.00} in cash advance fees - because I tried to do the responsible thing, in the height of COVID-19 economic crisis. 

I have attached a record of the advances, the interest paid on the advances and the payments I made to pay them off. 

Thank You.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX  XXXX XXXX XXXX {$4600.00} XX/XX/XXXX XXXX  XXXX XXXX XXXX {$4100.00} XX/XX/XXXX XXXX  XXXX XXXX {$1900.00} XX/XX/XXXX XXXX  XXXX XXXX {$690.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX {$60.00} XX/XX/XXXX XXXX XXXX XXXXXXXX {$970.00} XX/XX/XXXX NAMES NOT RECOGNIZED XXXX INQUIRIES NOT RECOGNIZED XXXX XXXX  XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XX/XX/XXXX 15 U.S.C, 1681section 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 XXXX years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Product: Credit card

Synchrony Bank has failed to handle my automatic payments for my XXXX XXXX XXXX XXXXXXXX on a timely manner due to their own faulty payments systems and broken website. Every month since I made the initial purchase in XX/XX/2023, they have failed to auto-debit my bank account for my monthly payment and have sent collection notices stating that I'm past due. I have had to call Synchrony directly every month to make the manual payments due to broken email links and the inability to log into my account at XXXX XXXX XXXX Every customer service person I've talked to has insisted my bank details must have been wrongly entered and that it's my fault that payments are being received late. This is despite having a Synchrony account representative manually enter the bank and routing number directly back in XXXX and receiving assurances from him that I would no longer have any issues after he confirmed my bank information and a payment finally went through.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and notice I had fraudulent accounts on my credit report. Please remove these accounts from my credit report, they are hurting my ability to obtain credit.
Product: Debt collection

I never had a contractual relationship with Radius Global Solutions. I believe the original creditor, XXXX XXXX, sold my account without proper notification. This constitutes a clear violation of FCRA 611 regarding the reporting of inaccurate information on my credit report.
Product: Credit reporting or other personal consumer reports

XXXX, Experian XXXX XXXX continue to report incorrect information on my consumer that is causing me harm and damages. Under federal law each consumer agency is required by the enactment known as the Fair Credit Reporting Act to report correct information or face penalties and fines for violations. There are several name variations and address that are not mine and should be immediately deleted or what they consumer agencies are doing is engaging is fraud. Because they are selling consumer information to various agencies it must maintain fairness. 

My name is XXXX XXXX there should be no other name on my report and or variations. Remove the other names immediately. My address is XXXX XXXX XXXX XXXX, CA XXXX there should be no other addresses listed on my report. 

XXXX XXXX XXXX XXXX Experian XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX U.S. Code Title 15 CHAPTER 41 SUBCHAPTER III 1681 Quick search by citation : Title Section 15 U.S. Code 1681 - Congressional findings and statement of purpose U.S. Code Notes prev | next ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

( b ) Reasonable procedures It 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, and proper utilization of such information in accordance with the requirements of this subchapter.
Product: Bank account or service

So they are back at it!!! I spoke with a employee at my sons bank to understand how my son cashed a check I wrote to him could be presented on XXXX XXXX when I clearly gave him the check Saturday XXXX XXXX,2015 I saw the copy and realized I dated the check incorrect I thought Saturday was XXXX XXXX instead of XXXX XXXX ... Wells Fargo saw the date on the check and hit me with a {$35.00} overdraft fee!! The check was cashed on XXXX XXXX!! The funds were avalible on XXXX XXXX!!! I am disgusted with these sneaky tactics!!! And when I tried to click on the check image the Well Fargo site wo n't allow me to view the image