23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX 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 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 XXXX, XXXX, XXXX, XXXX 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 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: Checking or savings account

1. I booked a trip through XXXX XXXX on XX/XX/XXXX and paid a {$300.00} deposit via my XXXX account that is linked to my PNC checking account. The trip was to XXXX and scheduled for XX/XX/XXXX. The company is XXXX owned. 

2. On XX/XX/XXXX, I received an email from XXXX  XXXX  that the trip would be postponed until XX/XX/XXXX due to COVID 19 and I could either go on the XXXX trip, book a separate trip, or wait one year and request my money back. 

3. On XX/XX/XXXX, I received an email from XXXX XXXX indicating that the company was going into administration ( bankruptcy ) and given options on how to try to get the money back. 

4. I filed a dispute with XXXX on XX/XX/XXXX and received an email back indicating that the dispute would need to be worked out with the vendor because it was more than 180 days. I then called XXXX and was told to contact my bank, PNC 5. I called PNC and filed a dispute. I was told I would be given an opportunity to provide documentation and would receive information in the mail. I received a letter from PNC on XX/XX/XXXX rejecting the dispute. 

6. A contacted the vendor who told me to inform the bank of the XXXX XXXX XXXX to see if they would accept the dispute 7. I called PNC again, was told the money could not be refunded because the transaction was more than 60 days old, and was instructed to go to a branch. I scheduled an appointment with the branch on XX/XX/XXXX and brought my documentation. The woman at the branch called her colleagues and was told that the bank would not review my documentation and there was nothing they could do. 

8. I receive an email from XXXX XXXX providing additional information on how to make a claim through their insurance company XXXX XXXX. I submitted the claim. It was rejected on XX/XX/XXXX because I am not an XXXX or XXXX citizen. 

9. I reached out to the XXXX Administrator. There is an administration process but it only pays cents. She indicated in an email dated XX/XX/XXXX that a US Customer had success by filing with the CFPB.
Product: Credit reporting or other personal consumer reports

This is related to Equifax replacing these HARD inquiries back unto my credit report after they were removed in early XXXX alone with a police report for identity theft, as I have resubmitted a police report stating these grounds ( SEE ATTACHENT ) I have also attached dates starting XX/XX/XXXX, XX/XX/XXXX, where you clearly see that there wasn't any hard inquiries on my credit report, this was only done after I had submitted a dispute to Equifax regarding XXXX monitoring services showing these ( XXXX ) HARD inquiries on Equifax at that time that wasn't on my credit report which was on XX/XX/XXXX. From that day they had spoken with XXXX related to these issues, and XXXX change their mind set, and sway them to place these ( XXXX ) HARD inquiries back unto my credit report, which is not how the law works as for as consumer law where identity theft, and fraud had taken place. This is totally a spiteful move, as well as unethical wrong and need to be addressed. Equifax has now hindered my credit report to attain credit worthiness from lenders. Hard inquiries can't be removed, however, unless they're the result of identity theft.
Product: Mortgage

Property was recently determined to be in a special flood zone requiring flood insurance. It is XXXX loan and according to their servicing guide the insurance requirements are as follows. 
Coverage for XXXX MortgagesThe minimum amount of flood insurance required for most first mortgages secured by one- to four-unit properties, individual PUD units, and certain individual condo units ( such as those in detached condos, townhouses, or rowhouses ) is the lowest of : 100 % of the replacement cost of the insurable value of the improvements ; the maximum insurance available from the XXXX XXXX which is currently {$250000.00} per dwelling ; or the unpaid principal balance of the mortgage. 

Additional requirements for units in attached condo projects, co-op projects, and PUDs are detailed in Requirements for Project Developments below. 

For a HomeStyle Renovation Mortgage, the flood insurance coverage should be in an amount equal to the " as is '' value of the property. This coverage must be increased, if necessary, following completion of the renovation work to ensure that the coverage meets XXXX standard coverage requirements. 

The property is neither a condo or PUD. My mortgage servicer, CitiMortgage, is requiring flood insurance per Citi 's guideline which is 80 % replacement of value and as a result which costs nearly XXXX times as much as the insurance required by XXXX. Have called Citi several times to resolve but they insist on charging the higher amount. 
Payment is jumping nearly {$200.00} a month for this extra insurance. I thought there are controls in place to prevent this kind of payment shock.
Product: Credit reporting or other personal consumer reports

In referencing accounts on my credit profiles with Experian, XXXX XXXX and XXXX that either where not mine or l did not recognize l demanded that they be removed on both XX/XX/XXXX and XX/XX/XXXX based upon current FCRA Laws. To which ALL 3 respondents remain unresponsive. It should be noted that due to a recent credit reporting breach by ALL 3 Credit Bureaus my information was exposed.
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 a account without my written instructions.

15 USC 1666B : A creditor may not treat o payment on a credit card account under an open end consumer credit plan as late for Purpose
Product: Credit reporting or other personal consumer reports

XXXX is furnishing accounts on my consumer report that is a result of an alleged identity theft. The accounts are information that does not relate to any transaction by myself, and I did not benefit from the transactions. I sent XXXX written correspondence which included my proof of identity, an identity theft report, identification of such information, and a statement as the law requires. They are required to block and delete these accounts within XXXX business days of receiving my notice.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, mortgage servicer for FNMA, reported late payments to all three credit bureaus while I was on a national declared disaster ( Hurricane Irma, Florida ) forbearance and then a mutually agreed mortgage modification with XXXX. They directly reported a 150 day late on XX/XX/XXXX and reported as ND ( Not Due ) on every other month from XX/XX/XXXX thru XX/XX/XXXX. The 150 day late reported by XXXX on XX/XX/XXXX should also be reported as ND ( Not Due ) as I was on their forbearance and modification agreements, as attached. 
XXXX is involved in a number of law suits for reporting erroneous mortgage information and was subsequently forced by FNMA to transfer all servicing to XXXX XXXX which is now my FNMA servicer.
Product: Credit card or prepaid card

I am a victim of Identity theft because XXXX XXXX data breach. It happened at XX/XX/2022, My cell phone number was swapped out by criminals to their device, they used my info. and phone number to withdraw money from my bank accounts and applied credit cards. 
I noticed those abnormal activities on XX/XX/2022 and called all financial institutes to block all the frauds. And also the criminals called USPS to forward my mails to their address which I found out weeks later. I had the police reports/ FITC reports/credit bureaus reports ready around XX/XX/2022. I called Capital one customer services at least XXXX time between XXXX about this fraud and all their agents assured me the fraud card has been cancelled and I should be no worries. After a month, my credit bureaus notify me that I am in debt with Capital one credit card. I started the long nightmares with Capital one disputes. They insist I should be responsible for the credit card fraud and reported to credit bureaus, my credit score went from XXXX to XXXX in XXXX months. And After over 100 hours calling and dealing with their customer service, they said I should be responsible for this fraud since the credit card opened under my home address and cell phone number. COME ON! It is an identity stolen, they forwarded my mail address and swapped my cell phone number out, how is that the evidence I should pay for? I need Capital one start investigation with me together, I have all the proves that the mailing address was forwarded and cell number swapped out. And withdraw the false credit reports right away.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the reporting of a collection account on my Experian Credit report. The account in question, from XXXX XXXXXXXX XXXX XXXX which was sent to collections but has since been paid in full on XX/XX/year>, and closed. 
As per the Fair Credit Reporting Act ( FCRA ), I am requesting that this paid and closed collection account be removed from my credit report. The account has been fully resolved, and its continued presence on my report is inaccurate and detrimental to my credit standing. 
I have enclosed documentation verifying that the account was paid in full on XX/XX/year>, and closed. Therefore, I respectfully request that Experian remove this account from my credit report.
Product: Credit reporting or other personal consumer reports

I disputed XXXX XXXX XXXX twice already. I demanded a collection removal because the account on my report says it was opened on XX/XX/year>2024. I explained that I was NOT living in the United States XX/XX/year>2024. So therefore, I did NOT open an account on XX/XX/year>2024. Instead of the credit bureaus deleting the account, they simply closed it. I showed multiple proof of my residence in XXXX, therefore they are choosing to ignore the facts, and chose not to delete the false information. I have attached my leasing document from XXXX. Ive even gone as far as taking a picture of my visa stamps in my passport to show that was not in the United States when these accounts was opened.
Product: Checking or savings account

I have been using an overdraft protection app, and my bank PNC has blocked this app from linking to my account. My bank also rearranges my bill pay, and or large purchases to fall off so other smaller bills will come through, such as XXXX or XXXX XXXX monthly fees, ( these types of bills if the money is not there, the service is disconnected it does not cause an overdraft ) so by dropping off a large payment and letting these smaller bills go through, and then posting the large bill or purchase will cause an overdraft. I use these apps for this purpose, and now they have blocked this app. This is not legal, and PNC has class action lawsuits for this, apparently they have not stopped, please help me with this issue. Thank You
Product: Credit reporting or other personal consumer reports

After the dispute, the company responded as verified with no proof. I request all information pursuant to Rule 1002 on 15 USC 1666b. To which I have received no response. This request was not made frivolously.

I AM ENFORCING MY RIGHT of 15 USC 6802 ( b ) and CFPB 1016.7 TO BLOCK ALL REPORTINGS. Please DELETE NOW or produce PROOF of your legitimate AUTHORITY to retain much less report without infringing on my rights.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I Sent A Payment Through Moneygram To Pay For My Boyfriends License Restoration Fees to the DMV. I Sent {$120.00} Plus A {$6.00} Processing Fee. After I sent The payment I Realized I May Have Put In The Wrong " Customer ID Number '' Which Was His Driver License/ State ID Number. 

So I Called To Cancel, Literally 5 Minutes After I realized It. They Imformed Me They Would Not Cancel It or Change The Id Number To The Correct Number. So Thinking That Was Not Ok I Immediately Filed A Dispute With My Bank. 

Since He Needed This Done Immediately, After I Filed The Dispute I Waited Until XXXX XXXX. and Paid For The Services Again With The Correct Information.At this point he realized that they closed his moneygram account and wasnt able to login anymore. So im assuming they blocked his account because i filed a claim with the bank. ( I Have Screenshots Of Both Online Confirmations from moneygram And Reference Numbers Showing I Paid Them. Twice! 

Once On XXXX XXXX 2020 And Once On XXXX XXXX. 2020 I understand their policy about incorrect information for the " first '' transaction. But I have not been refunded for the second transaction and when my boyfriend calls to the dmv to see if they recieved a payment today XXXX XXXX XXXX ) the dmv tells him they never recieved anything from money gram even though all the information was correct the second time i paid them the {$120.00} ... My bank has denied both claims. saying that I dont have enough evidence and i even recorded him today on the phone with the dmv through a voice recording app. 

Is there anyway i can get at least the second payment {$120.00} either refunded to me or sent to the dmv like it was supposed to be in the first place.
Product: Student loan

UNITED STUDENT AID ( USA ) FUNDS- was paid in full XX/XX/2016. The balance shows XXXX  which is correct but I am requesting the status be changed from Accounts With a Negative Pay Status-Derogatory to paid in full positive status.
Product: Debt collection

First week of XX/XX/2021, after reviewing my credit reports & noticed a collection item that I do not fully recall. The alleged debt is being reported by Capstone Credit Services, for XXXX XXXX XXXX XXXX in the amount of {$3600.00}. As I understand, I have the right to validate the debt with the collection company. It has been over a month & I have yet to receive and validation from Capstone Credit Services. I specifically asked to cease any and all collection activity until this debt is validated. About a week after sending out the letter to Capstone Credit Services, a representative called me & she was very rude as well as unprofessional. Yelling at me that this debt is mine, and I better take care of it. I do not appreciate being treated this way.
Product: Debt collection

The hospital & my insurance company has reach out to them and they spoke to them also but they have not pulled this out if collection saying give them 30 to 45 days I do not believe I should have to wait that long when the hospital has clarified that it was never sent and that this is not my bill because I do have insurance on file and that it was a mishap on their part!! Why should they still allow my credit to be tarnish after 2 years of harassment not one letter stating I could had the right to dispute but just forceful calls demanding pay when I tried explaining my insurance situation servals times. I call the hospital after my last argument with this company and to my avail I sure did not owe abd Im being turned down on homeowners ship due to this the other collection agency has removed theirs already and both was reached at the same time with the same information they just want to drag me and my homeowners ship process along which is not fair by law my rights has been violated from this company
Product: Debt collection

I do not know of any debt with Avante USA, I have no knowledge of any debt with this company or the original creditor. 

I have not received written notification to dispute the validity of this debt I am requesting that this debt is removed from all credit reporting bureaus.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding XXXX 's handling of disputes. Particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using XXXX numerous times and reporting discrepancies my finical institution and XXXX failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that XXXX has not only neglected to protect 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 serious concerns about consumer safety
Product: Credit reporting, credit repair services, or other personal consumer reports

To Equifax Escalation Department : I have contacted the following companies reporting to my credit file and according to them, there has been no communication noted from Equifax regarding these items. Out of an abundance of caution and in accordance with the Fair Credit Reporting Act I request the following : 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] paragraph ( 6 ) ( B ) ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; I am CLEARLY requesting the Method of Verification used to contact the furnishers and the specific name and number ( please include extension if applicable ) of the person contacted ( An employee looking at their computer screen and matching a name listed in their database is NOT verification or validation of any alleged debt ) ( Previous request not honored ). And as the following items can not be verified, please delete them from the credit file ( hoping that this is clear ). Your lack of meaningful response seems to be an obstructionist tactic : ACCOUNTS US DEPT OF EDUCATIO XXXX not mine How is Equifax able to verify these items when other agencies can not?

621. Administrative enforcement [ 15 U.S.C. 1681s ] ( a ) Enforcement by Federal Trade Commission.

( 2 ) Penalties ( A ) Knowing Violations. Except as otherwise provided by subtitle B of the Consumer Financial Protection Act of 2010, in the event of a knowing violation, which constitutes a pattern or practice of violations of this title, the Federal Trade Commission may commence a ci
vil action to recover a civil penalty in a district court of the United States against any person that violates this title. In such action, such person shall be liable for a civil penalty of not more than {$2500.00} per violation.

Identification already on file. Please send a complete updated copy of my credit report. Additionally, DO NOT place a fraud alert or promotional block etc. on my file without my expressed permission.
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and deletion due to inaccurate reporting in my file. 
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 looked at my report back on XX/XX/XXXX, and noticed some things are incomplete and not accurate. I sent a letter to XXXX on XX/XX/XXXX  and asked them to investigate the completeness and accuracy. I received the results and noticed they did not fix nothing. There are breaking Federal law According to 15 USC 1681e ( b ) it states this ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

According to 15 USC 1681 ( 5 ) it states this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( * ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

According to 15 USC 1681s-2 it states this. ( A ) Reporting information with actual knowledge of errors 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

This is unfair and if they are doing this to me imagine who else they are doing this too.

Please fix
Product: Debt collection

I entered into a consumer credit transaction with Wellsfargo bank on XX/XX/XXXX. I extended credit through my social security card, my credit card. XXXX XXXX XXXX XXXX XXXX, XXXX. was attained by wellsfargo to collect a debt that is not mine. They have also violated several other of my consumer rights which I have noted in my affidavit. They are claiming I owe an alleged debt of XXXX in a positive amount. A letter was sent to me on XX/XX/XXXX claiming I owed an alleged debt and also threat of legal action if I didnt respond. XXXX XXXX XXXX XXXX XXXX, XXXX. Then filed legal action against me on XX/XX/XXXX. I responded with the following attached affidavit and sent it to them on XX/XX/XXXX. Usps XXXX and hand delivered with signature acceptance. I am demanding the debt collectors cease communication on this alleged debt that is not mine. And also stop all legal action against me for it is unlawful.