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

I value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still many items to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent you a letter last XX/XX/ but I haven't got any response from you and according to the FCRA you are required to response within 30 days.
Product: Payday loan, title loan, or personal loan

They asked for all of my personal information and my bank info. I uploaded all the required documents. I received an email saying I was declined because they couldnt verify my income. This is blatantly false. I uploaded my pay stubs ( more than required ) and have worked at a major big ten university since 2008. I then called and told them my complaint and they said, despite asking for all my personal information AGAIN that they couldnt discuss it and I should check my email. Which was the reason I called. This business is fraudulent and now has all of my information. I want them shut down for predatory lending, false information, and refusing to state the reason for denial.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM WRITING TO DELETE THE FOLLOWING INFORMATION IN MY FILE. THE ITEMS I NEED DELTED ARE LISTED IN THIS REPORT. I AM A VICTIM OF IDENTITY THEFT & I DEMAND THAT YALL REMOVE THESE ITEMS TO CORRECT MY CREDIT REPORT IMMEDIATELY! I HAVE REPORTED THIS TO THE FEDERAL TRADE COMMISSION AFFIDAVIT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to express my ongoing concern about incorrect late payment entries on my credit report. Despite multiple requests for resolution, this matter remains unaddressed. It is essential to emphasize that these late payment entries are inaccurately documented, and I have provided substantial evidence verifying my consistent and timely payments to WELLS FARGO CARD SERVICES XXXX. Despite my prior efforts to rectify this issue and the supporting documentation I have submitted, the erroneous late payment entries persist on my credit report. I kindly request that you take the necessary actions to rectify and remove these inaccurate late payment entries from my credit report. Please ensure that this account is corrected.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle handling of disputes, particularly in the 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 recovering lost funds was impossible and tracking these transactions was unfeasible. The CFPB findings indicates that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted ALLY FINANCIAL regarding an old account that is reporting on my credit report. ALLY FINANCIAL stated that they could not verify my information. I contacted the credit reporting agencies XXXX, XXXX, and XXXX regarding the old account. All 3 credit reporting agencies responded that the information was correct and up to date and that they verified the information with the creditor. ALLY FINANCIAL has violated my consumer rights by providing false information to the credit reporting agencies. This account is reporting past the 7 year allowance. According to the FDCPA, ALLY FINANCIAL is in violation of 15 USC 1692j ( a ).
Product: Credit reporting or other personal consumer reports

I recently discovered multiple errors in my Equifax credit report that need immediate correction. My address is wrongly listed as " XXXX XXXX XXXX XXXX XXXX, XXXX, NJ XXXX, '' while the accurate address is " XXXX XXXX XXXX, XXXX, NJ XXXX. '' Also, my employer is inaccurately reported as " XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX '' but the correct employer is " XXXX  XXXX XXXX. '' These inaccuracies violate the Fair Credit Reporting Act ( 15 USC 1681e ( b ) ), which requires credit reporting agencies to ensure information is accurate. I am requesting these errors be corrected immediately, with written confirmation that my report has been updated.
Product: Credit reporting or other personal consumer reports

On XX/XX/2024 and XX/XX/2024 I disputed unauthorized inquiries and an account associated with identity theft with Equifax. I informed them I was a victim of identity theft and had not authorized any inquiries or account openings. The account in question was removed previously for identity theft and was sold to a debt collector who has now put it back on my report. I asked for these fraudulent inquiries to be blocked and removed, less than XXXX hours later Equifax stated they had verified the inquiries as factual. This however is impossible as I have not applied for any credit or loans. Equifax is violating my consumer rights and I am demanding a proper investigation and block/removal of these unauthorized inquiries. 


Inquiries : 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 Original creditor
Product: Payday loan, title loan, personal loan, or advance loan

I paid off a previous {$500.00} loan with this company in XXXX of XXXX. On XX/XX/XXXX, I logged in to ensure that it was showing as paid off. At that time there was a {$2000.00} loan showing as pending. I did not request that loan and it was showing as going into a bank account that was not owned by me. I immediately emailed the company to inform them that I did not request that loan and that it was not my banking information. The company has since repeatedly contacted me about paying off the loan and I have repeatedly informed them that I did not request or receive the loan. I send bank statements on XX/XX/XXXX and XX/XX/XXXX to prove that I had not received the loan. They have continued to harass me and I have continued to remind them that I never requested nor received that loan and remind them that I have already submitted all the documentation they have requested and that I did inform them if the fraudulent loan in time for them to correct it. On XX/XX/XXXX, the company attempted to submit unauthorized XXXX checks through my bank account for a total of over {$600.00}. I contacted my bank account and stopped payment before they went through. On XX/XX/XXXX, they tried to submit XXXX more unauthorized checks for a total of over {$1200.00}. I again stopped them.
Product: Mortgage

I PURCHASED A HOME IN XXXX XXXX FOR XXXX AND SINCE THEN HAVE HURT MYSELF AT WORK ( XXXX XXXX AND HAVE REQUESTED HELP IN XXXX FOR A MODIFICATION ON MY MORTGAGE BECAUSE MY PAY IS NOT REGULAR PAY ANYMORE AND THEY WILL NOW HELP AND I PAID THEM {$500.00} A MONTH AND THEY DID NOT TELL ME IT DIDNT COUNT TOWARD MY MTG, SINCE THEN I HAVE BEEN BACK AND FORTH TO WORK BECAUSE OF MY INJURIES AND HAVE APPLIED FOR HELP TWICE AND THIS TIME I CAN NOT GET ASSISATACE AND THE WANT ME TO PAY XXXX A MONTH BUT THEY HAVE SENT ME AN APPRAISAL TO ME TWICE THAT MY HOUSE IS ONLY WORTH {$30000.00} I FEEL USED BECAUSE IF THEY FORCE ME TO MOVE THEY WILL NOT EVEN GET XXXX FOR THIS HOUSE I NEED A ROOF AND HAVE PLUMBING ISSUES BUT STILL WILLING TO PAY SOMETHING FOR THIS HOUSE AT LEAST WHAT IT IS WORTH, I AM CURRENTLY BACK AT WORK NOW BUT STILL HAVE XXXX I HAVE TO HAVE SO IM WORKING 24HRS A WEEK AND GET PAID THE REST FOR OFFICE OF WORKMANS COMPENSATION WHICH IS WAY LESS THAN WHAT MY PAY WOULD BE IF I WAS WORKING MY REGULAR JOB 40HRS A WEEK. PLEASE HELP
Product: Credit reporting or other personal consumer reports

I have been a XXXX owner for the last 12 years, with multiple vehicles. When I first purchased my newest vehicle, the salesperson was supposed to enroll me in automatic payments, but he forgot to and when it came time to make a payment, it was never made and even though I made the late payment on the XXXX day, they said that they require payment be made on the XXXX day, XXXX day before all other loan companies in the united states include the XXXX day, before sending credit agencies a 30 day late payment inquiry. XXXX is the only company in the United States that doesnt allow the XXXX day of the month to be included as a non late credit inquiry. If you make a payment on the day your payment is due, is it still considered a late payment. You must make your payment 1 day before your due date to be considered on time. This is against every credit agency I have ever dealth with in my life. Also, If you make a payment on day XXXX, they dont take the payment out of your checking account, until 5-7 days after your payment was made. When someone allocates money to an account for payment, taking the payment 7 days later XXXX cause an account not to have sufficient funds since other payments from the account are taken automatically, and because of this I reciveed another 30 day late for the month of XXXX. Finally, Today, XX/XX/XXXX, I tried to make XXXX Online payments, XXXX payment I made on XX/XX/XXXX, but they didnt take the payment out until XX/XX/XXXX, and there was insufficient funds on that day because my mortgage gets taken out on the XXXX, and for a second payment for the current month, but the online service is not accepting my payments, and either is their phone system, and they are closed at XXXX pacific standard time on Friday XX/XX/XXXX. There is no possible way I can make my payments on time, Since monday is the XXXX of the month, the day my payment is due, they will consider this another late payment and affect my credit score again since paying on the day of my due date is considered late! Our cost of living has doubled in the last 3 years, and our income has stayed the same, they should have a little empathy for US citizens, but this company is the epitome of a socialist dictatorial entity, not capitalism. They should be banned from the united states of America. I will never purchase another vehicle from this company again even though I love their cars.
Product: Credit reporting or other personal consumer reports

To whom it may concern, I am inquiring about my account with the name of Capital One. The account number is unknown.

Please provide my consumer disclosure file under FCRA Section 609 ( a ) ( 1 ). I am also requesting the date of first delinquency, as well as the FCRA compliance date, along with the name of the party who reported the date of first delinquency. According to my credit report and what you are reporting the account was open in 2014 ( 10 years ago ). It appears this debt was re-aged, and needs to be deleted immediately.

My rights dictate my ability to obtain this information.
Product: Credit reporting or other personal consumer reports

On XXXX XXXX, 2024, I filed a report of XXXX XXXX and fraud to XXXX. My XXXX credit report shows that I have an account with Citizens Bank with {$20000.00} of debt. This debt showed up on the credit report on XXXX XXXX, 2024. I do not nor have I ever had an account with Citizens Bank. The fraud is still showing on my report. I called XXXX today, XX/XX/XXXX, and was told my case was closed and no fraud was found because they had contacted Citizens Bank and were informed that I do have an account with Citizens Bank and the charges are accurate. This is false. I followed up with a call to Citizens Bank, who confirmed that I do NOT have an account nor any debt with them. This fraudulent account on my report has lowered my credit score over XXXX points so I need this matter to be resolved immediately. All other credit reporting bureaus resolved this issue within less than a week of me reporting it.
Product: Checking or savings account

I paid a transaction with my last paycheck for XXXX and it was withdrawn. I ended up getting paid the following week and my deposit was significantly lower than what it shouldve been. I was told I was charged for the same transaction that had been covered. I spoke to XXXX supervisors and was over talked and hung up on.
Product: Credit card or prepaid card

I have been having an issue where bills post far too late into a cycle for my own comfort. While the due date is always the XXXX of each month, and payment made after the due date and before the bill is posted gets reflected to the previous month so there have been occasions where I have been " late '' because I paid too early. This is problematic because I shouldn't be considered late because I pay before they want me to. 

As best as I can gather, they generate the bill on the XXXX of each month which I then can see by the XXXX of each month. Even if I always saw it on the XXXX though this date is not always legal. 

" Under federal law, a credit card issuer must establish procedures to ensure that statements are mailed to cardholders at least 21 days before a payment is due.However, sometimes there may be a delay in mail delivery, resulting in your statement arriving later than usual. '' In practice this means that on the date that the bill is posted to the account the bill must be due in 22 days or more since " 21 days before the due date '' is the same as saying that the due date is in 22 days. 

On a month with 31 days, having the bill post on the XXXX means that I will have 23 days. Scummy, but legal. On a month with 30 days I will have 22 days, but since I don't always get to see this when I check on the XXXX ( possibly because of the time they post it? ) this isn't always legal since the law isn't about when they generate the bill, but when they SEND the bill, and since these bills are sent electronically there is no allowance for a time delay like they'd get with a printed bill. 

Of course, on a month like XXXX which has XXXX or XXXX  days they are always in violation. If the bill posts on the XXXX of XXXX I will only have XXXX or XXXX  days to pay ( depending on what year it is ) which in either case is less than XXXX  days and is therefore illegal. 

I tried reaching out to them to request that they make my date post earlier in the cycle mentioning that I know people whose bill posts a few days earlier which would always be legally compliant, but I couldn't get anywhere. 

I tried their secure message system, but aside from only having a limit of 500 characters I am unable to send any messages to them ( whereas I can through XXXX 's system ). I just get the error, " There is a problem with the information you provided. Please go back and try again. '' no matter which browser I use. 

I tried their chat system as well. First I encountered a bot with only 6 available responses and would only ever say : " Oops! My wires got crossed for a second. I may have missed something. Can you please try again? '' But eventually it transferred me to what I thought was a real person, but half of what I said would get cut off and the AI would again say : " Oops! My wires got crossed for a second. I may have missed something. Can you please try again? '' Which indicated, to me, that I was still talking to an AI. I had to copy and paste repeatedly to get anything to go through and in the end the bot couldn't help me anyway.
Product: Credit reporting, credit repair services, or other personal consumer reports

i noticed on XXXX of XXXX a late payment on my credit report, when I contact Nissan Motor Corporation customer service that I never got a bill or statement the representative confirmed with me that their it was a mistake in the system and the bills was sent to a wrong address - XXXX XXXX XXXX when in fact my address is XXXX XXXX XXXX and the representative fixed the mistake, since then my payments were all in time. The time of my call to Nissan Motor Corporation was on XXXX XXXX, XXXX. 
please check your notes on your system and you will see the record of my call conversation, I confirmed the above again on XX/XX/XXXX of XXXX with representative # XXXX and she also saw the notes on the system. She advised me I should send in all this information to their credit department to investigate the issue and remove the late payment from XX/XX/XXXX since the bill was sent to wrong address. i send a letter to XXXX credit department on XXXX XXXX XXXX and XXXX didn't respond to my letter.
Product: Credit card or prepaid card

My Chase credit card was closed by Chase with no explanation. When I called to ask, they would not let me know why they closed my account. I would like the following : 1 ) An explanation of why my account was closed, and 2 ) Credit of the {$95.00} annual fee that I paid and now do not have use of this card. 

Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

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 an account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpo
se.
Product: Checking or savings account

I got a promotion offer to open a new checking account with HSBC in XXXX, 2018. I have met all requirements of the offer for more than 6 months. I have contacted HSBC more than 5 times for the {$350.00} promotion but no any response has been provided to date. Therefore, I am filing the complaint to request HSBC honor its promotion offer.
Product: Credit reporting, credit repair services, or other personal consumer reports

File # XXXX I filed a dispute because the new law shows it should be removed. However I called and the XXXX stated they have n't received the law that would remove this item. They informed me it would stay on my report for 10 years but the New Law is 7 years I. Which it has been 8 years in my report. Please help. I applied for a car loan and it was not approved then I was offered a high interest rate. They also stated in an email that the Court reported to them I called the Court and they stated they had not received and do n't call.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have lived with groups of friends in XXXX XXXX and XXXX  XXXX  and I been seeing debts on my credit report that doesnt belong to me. Hard inquiries And I have tried filed disputes and still nothing seems to work.
Product: Credit reporting, credit repair services, or other personal consumer reports

please delete these company off of my credit XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX mtg XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( IDENTITYTHEFT, GOV ) FTC Report Number : XXXX
Product: Checking or savings account

On XXXX XXXX I lost my debit card. I called chase to file it lost and instead of closing my card completely they froze my account which is not proper procedure. The same day there was a unauthorized withdrawal of {$9500.00}. I filed a claim stating this was unauthorized. It was denied because they said I didnt report my card lost. I tried to refile the claim because I did report it. I called the same day I lost it but the person who helped me made a mistake and didnt close my card. They asked me to provide further evidence so I gave them the police report from when I lost my card. It was still denied.
Product: Student loan

This is my second complaint, since the first was closed due to the company responding. The representative at Bank of America miscommunicatrd with me the outcome of the investigation of my missing loan payments. XXXX XXXX from the regulatory compliance department informed me that she would be sending me back all my documents that was submitted for payment to bank of America for my paid in full loan payment, stating that I do not have a loan with bank of America and I should be sending the payment to XXXX, the servicer. I was expecting to receive all my documents when XXXX XXXX sent these documents back via XXXX. Immediately upon review on XXXX, I called XXXX XXXX informing her that documents are missing and i demand a call back immediately. It 's been 4 days and I have not called back again because XXXX called me back to back when she thought this investigation was coming to an end and she was helping me but now there is a problem again, I have n't received a return call. The value of this instrument is XXXX and I want to be credited for this payment immediately, I have followed all administrative procedures in contacting them and informing them of my intention to sue if I do not receive proper credit for this loan. Now she told me I do n't have a loan with them, although XXXX uses bank of America for payment processing, but yet they never sent my original payment back, that i not only walked intp a local branch to submit, but had to pay a {$XXXX} processing fee for it to be sent to the processing department because im not a bank of America XXXX XXXX next step will be to sue with the bankers at my local branch being named as defendants along with XXXX XXXX XXXX XXXX. I refuse to believe this document has been lost. It was accepted on XXXX XXXX and received my processing on XXXX XXXX. I still have not received any acknowledgement that my account has been paid In full.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX 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 XXXX 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, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Balance : {$730.00} XXXX XXXX XXXXXXXX Balance : {$16000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$120000.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$21000.00}