23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I was charged a late fee by XXXX XXXX XXXX XXXX. I provided proof that the payment was sent on the XXXX of the month with a guaranteed delivery by XX/XX/XXXX. They did not process the payment until XX/XX/XXXX, and stated that I had to prove that they received the payment before XX/XX/XXXX to get a late fee waiver. This is not only unethical, it is impossible. I can not prove to them that they misplaced or delayed the processing of the payment, only that I made the payment on time.
Product: Debt collection

XXXX XXXX XXXX XXXX sends letters saying I owe {$230.00} I disputed it based on identity theft. It was not my credit card, someone opened it in my name.
Product: Credit reporting or other personal consumer reports

TransUnion, XXXX, and XXXX continue to report a balance on the account XXXX XXXX XXXX that is inaccurate. The account has been paid in full and should reflect as such. TransUnion, XXXX, and XXXX are violating federal law by willingly reporting this account inaccurate and in a manner that is not consistent with the law. I have equitable interest in my estate and making such allegations without verifiable proof that I am indebted to this alleged financial institution is causing me damages and preventing me from participating in interstate commerce which is my unalienable right.
Product: Money transfer, virtual currency, or money service

Zelle is a popular digital payment platform that allows quick money transfers between bank accounts. However, users XXXX face several issues leading to disputes. After many years of not giving any warning again unauthorized transfers recently Zelle has now made a warning in regards to any money set without authorization and its nearly impossible to get your money reversed. 

XXXX XXXX with Zelle XXXX. **Unauthorized Transactions** : Funds XXXX be sent without the user 's consent due to hacking or input errors. 

XXXX. **Mistaken Payments** : Users might accidentally send money to the wrong person or enter incorrect amounts. Zelle transactions are generally irreversible, making recovery difficult. 

XXXX. **Delayed Transfers** : Although designed for instant payments, delays can occur, causing frustration when funds are needed urgently. 

XXXX. **Account Issues** : Problems with linking accounts or service restrictions can prevent successful transactions. 

In conclusion, while Zelle offers convenience, users should be prepared to handle potential disputes effectively.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 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 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
Product: Credit card or prepaid card

I had my credit card stolen on XX/XX/19 and someone used my card to purchase {$2000.00} worth of merchandise. Called it in same day, was given a temporary credit. A few weeks later I get a call from Citi asking me to send in my I.D . within 3 days, do that, a few weeks pass and I login to my account to find out my temporary credits have been reversed. I make a CFPB and XXXX complaint about it. Someone from the Citi executive office called me and informed me that Citi never received my I.D . even though I sent it in via their secure messaging system and received a conformation email that it sent. A quick XXXX search on my behave revealed that Citi 's secure messaging system doesn't actually work which I find to be insane that the third largest bank in the U.S. doesn't even care enough to do some upkeep on their online services. So I send it in again and I get a call again today from a Citi executive to let me know that the request for credit has been denied because the issue date on my I.D . was before the date my credit card was stolen. I'm sorry Citi but my I.D . wasn't stolen, just my credit card. So the executive told me that she will try again to get it approved and will call me back.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have previously disputed this account. This is a new dispute with new information. This account is now too old to be reported on my credit report. This account has been " re-aged '' and is violating FCRA bylines by continuing to be reported. 

Account : XXXX XXXX Balance : {$640.00}
Product: Credit card

Gap credit card is mistakenly billing my credit cad account for a returned that I made.
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 XXXXXXXX XXXX Balance Owed : {$160.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$12000.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$310.00} XXXX XXXX XXXX Balance Owed : {$160.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$12000.00} XXXX XXXX  XXXX XXXX Balance Owed : {$310.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

The 3 major credit bureaus ignored my request to provide me with the documents to verify the disputed accounts. As a result, this means that the items have NOT been verified or you can not verify any of these accounts under Section 611 ( 5 ) ( A ) of the FCRA. The unverified items still remain on my credit report in violation of Federal Law. The credit bureaus are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified these items as being reported correctly, yet no information has been provided to me. I have asked to be provided with the name of the individual, their business address, and telephone number of the individuals that were contacted to verify my accounts. The original letters were mailed out by certified mail on XX/XX/2019 and was delivered on XX/XX/2019 at XXXX for XXXX. The original letter was mailed out by certified mail on XX/XX/2019 and was delivered on XX/XX/2019 at XXXX for Equifax. The original letter was mailed out by certified mail on XX/XX/2019 and was delivered on XX/XX/2019 at XXXX for XXXX. The credit bureaus had 15 days to get me the information I requested so the information MUST promptly DELETED since it was not verified.
Product: Credit reporting or other personal consumer reports

A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( XXXX ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct the following accounts : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. These companies have refused to do work on disputes even though they're required by the law to do so. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

I am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this request. 

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

I HAVE AS OF LATELY HAVEN'T BEEN ABLE TO OPEN UP A NEW BANK ACCOUNT FOR THE PAST YEAR. 
I HAD A BANKING RELATIONSHIP WITH XXXX XXXX XXXX UP UNTIL XXXX. 
I LOOKED UP AND INQUIRED WITH CHEXSYSTEMS AND THEY TOLD ME THAT SOMEONE TRIED TO DEPOSIT A CHECK INTO MY ACCOUNT WITH MY NAME ON IT. BUT IT WAS DOCTORED. 
I DIDNT DO THAT. 
SO NOW CHEXSYSTEMS IS STATING AND BLACKBALLING ME WITH EVERY BANK IN THE COUNTRY!
Product: Debt collection

Professional Debt Mediation , Inc., is sending me to collections for the sum of {$5300.00} account number XXXX for an apartment that I did not lease. I have attached a copy of the Final account statement dated XX/XX/2018 from XXXX at XXXX XXXX. The lease agreement shows an eviction for non-payment of rent for Unit XXXX. The name of the persons this Final account statement was addressed to is : XXXX, XXXX and XXXX, XXXX. My name is XXXX XXXX XXXX, not XXXX XXXX XXXX. In the past, I leased apartment number XXXX. I witnessed the apartment complex manager physically remove my name associated with any issues concerning Unit XXXX, however, I am receiving collection notices from Professional Debt Mediation , Inc. XXXX XXXX was born in XXXX, XXXX. I was born in XXXX, XXXX. I have been in communication with XXXX XXXX at XXXX at XXXX XXXX to help resolve this issue. Her direct number is XXXX ext XXXX. This is clearly an issue of mistaken identity. This debt is not mine ; I do not owe this, and this collection needs to be reversed. I have contacted XXXX at XXXX XXXX directly to fix this however, I have not been successful.
Product: Credit reporting or other personal consumer reports

My credit report with all bureaus are reflectig inaccurate addresses that are no longer applicable or have ever been applicable.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Credit Breau XXXX Credit Reporting Breau Experian Credit Reporting Breau I have made numerous attempts since 2018 to have Fradulet information removed from the credit Breaus I have sent certified identity theft reports I have sent certified police reports they have not followed the law An block these items from my report They place them into dispute to keep a long process going iam in the process of speaking to a lawyer now for damages, time wasted! an to hold them accountable for not following the FCRA
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted multiple disputes to this creditor asking for bank statements to show when they did not recieve my payments. I have never been late on my mortgage payment. It has always been paid on time. They have me being late in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XXXX, and XX/XX/XXXX. My account is auto draft and the funds were always available
Product: Debt collection

We came to a settlement to pay XXXX XXXX down and XXXX payments after to close the account and have it dropped off my credit however i have made all payments now and there still trying to take another XXXX on XX/XX/XXXX i spoke to them and the lady said i made a total of XXXX payments which is more than agreed and was supposed to have emailed there supervisor to have it closed since she seen i made a total of XXXX payments to equal the full amount in stead of the settled amount that was around {$120.00} less i have screen shot of all payments on top of when it was taken out of my bank on my app. It started XX/XX/2020 with {$50.00} down then another payment of {$62.00} on XX/XX/XXXX and again XX/XX/XXXX and XX/XX/XXXX XX/XX/XXXX now they are trying to take another payment for XX/XX/XXXX!
Product: Credit reporting, credit repair services, or other personal consumer reports

It was announced that starting in XXXX, medical collections tradelines less than {$500.00} will no longer be reported on consumer credit reports. Currently, I have ( 4 ) medical bills ( 2 Paid and 2 I'm Disputing ) each under {$500.00} ( amounts outlined below ). The three items marked as collections are critically harming my credit score. I have disputed these amounts with each bureau however they still remain as a roadblock. Can someone please assist me with this as I attempt to regain control of my score and rebuild after being heavily impacted by such reporting. 

XXXX. Date : XX/XX/XXXX, XXXX : {$480.00} XXXX. Date : XX/XX/XXXX, XXXX : {$2.00} ( Paid still showing on XXXX ) XXXX. Date : XX/XX/XXXX, XXXX : {$260.00} XXXX. Date : XX/XX/XXXX, XXXX : {$170.00} ( Paid still showing on all credit bureaus )
Product: Credit reporting, credit repair services, or other personal consumer reports

I've obtained a copy of my consumer credit report the major three credit bureaus and making sure the information was accurate according to USC title 15 168 ( 5 ) I've waited 30 days to receive the investigation results which everything was still reporting the exact same as the previous month. The credit agencies XXXX, XXXX and Transunion did not complete and modify or remove items on my credit report. 

The primary information being reported are not correct such as the open date, date last active, date of payment history. 

These are violations of the Fair Credit Reporting Act, which is harming me from purchasing a home for my family. 

These accts are : XXXX XXXX # XXXX, {$670.00}, {$240.00} and XXXX XXXX XXXX # XXXX {$32000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been fighting with these bureaus since XXXX of last year to remove fraudulent information that keeps coming up on my report. They have provided no proof that it is mine, but have claimed the information was verified. At this point I'm ready to sue if this information isn't removed promptly!
Product: Credit reporting 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 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 XXXXXXXX and list of Inquiries 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 card

I was taken advantage of because I have a learning XXXX and a physical XXXX and now have to speak to this phone to write that someone has stolen and use my card to multiple place and I do not know who. Some people come to help me out sometimes to clean and to general help me out. I didnt never use this card and all of the charges are not mine this is the second time and Wells Fargo is discriminating against me because of my learning XXXX and XXXX by refuse to help me. Please just help me. Im tired of people taken advantage of me. I didnt never authorize nobody too. My authorize user didnt never not use no card because I didnt even give it to he.
Product: Credit reporting or other personal consumer reports

I received a copy of my experian, XXXX, TransUnion credit report, and noticed late payments that need to be deleted. It is as follows : Creditor Name : XXXX XXXX  Account number : XXXX Creditor Name : XXXX XXXX XXXX  Account number : XXXX Your agency has violated my consumer rights and violated federal law ; I have proof in 15 USC 1681b ( 2 ) of the Fair Credit Reporting Act, which is noted below.

15 USC 1681b ( 2 ) - permissible purpose of consumer reports. THE LAW CLEARLY STATES : IN GENERAL SUBJECT TO SUBSECTION ( C ), ANY CONSUMER REPORTING AGENCY MAY FURNISH A CONSUMER REPORT UNDER THE FOLLOWING CIRCUMSTANCES AND NO OTHER : ( 2 ) In accordance with the written instruction of the consumer to whom it relates.

I did NOT give your agency written authorization or written instructions to report this information.

You have not only violated the Fair Credit Reporting Act, but your agency has committed aggravated identity theft and I've sustained defamation of my character, just to name a couple damages should this matter escalate to court. 

XXXX, XXXX, and TransUnion have violated my consumer rights as well, which is noted below. 

15 U.S. Code 1666b - Timing of payments ( 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.

This reported information is not only a violation of federal law, but just like your agency, they have damaged me in the form of defamation of my character and they have committed aggravated identity theft, because I did not give them written permission to report this information. Which is a violation of 15 USC 1666b.

15 U.S Code 1681a ( 2 ) ( a ) ( i ) Definition ; rules of construction ( 2 ) Exclusions ( a ) ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; You're not following federal laws and that's a violation. It clearly states that with this law as well, I am demanding you to delete the above late payments from my consumer report. 

Remove the remaining of the late payments on these accounts and remove all remarks defaming my name, XXXX XXXX  services has to be deleted since its a taxable income 1099-c to be exact. XXXX XXXX XXXX  SHALL change the status to paid and closed like it says on all the other bureaus. Since that's another violation according to 15 USC 1681 S-2 if the other bureaus reported status say paid and closed with no late payments you have to follow the same protocol, all 3 bureaus are getting the same information so your agency is knowingly reporting false information. 

You have 7 days to respond upon receipt of this letter to delete the referenced items and send me a new letter notifying me that the information has been deleted from all consumer reporting agencies and also mail me a new copy of my report or I will be seeking legal action against your agency for these damages. 

Best regards, XXXX XXXX
Product: Vehicle loan or lease

XXXX ) My online account access was shut down when I missed a payment in XX/XX/year>, meaning I could only make payments via mail, with no access or visibility into my account status, balance, etc. Over the course of the next 6 months, apparently one check bounced and another was never cashed. 

XXXX ) ( Biggest Complaint ) - The first time I received any notice was on XX/XX/XXXX... I came home from work at night and the notice said I had until XX/XX/XXXX to bring the account to current or it was going to be repossessed. So I had literally XXXX opportunity to bring the account current between the time I was notified and the time it was sent to the repo company. 

XXXX ) I called XXXX XXXX on XX/XX/XXXX and their phone lines were down all day, so I called Nissan several times and was told there was nothing they could do, and that I had to deal with XXXX  XXXX. I called multiple times and was disconnected/ hung up on, and unable to make any progress in between my work day. 

XXXX ) My car was taken at XXXX on XXXX and I am being told by Nissan the only way to get it back is to pay the full loan payoff amount ( ~ $ XXXX ). 

I just want my car back and to continue making payments.
Product: Money transfer, virtual currency, or money service

To Whom It May Concern, On XX/XX/2022, I received a phone call from someone who claimed to be from the utility company XXXX. The person was stating that XXXX would shut down all electrical power to our business if our balance was not paid immediately. The scammer then proceeded to ask me to make a " test run '' payment through XXXX in the amount of {$2400.00}. After this transaction, I quickly realized that this was a fraud and contacted my bank. My bank XXXX Bank of America ) assisted me on that day and stated that they would investigate this case and contact me within 30 days. On XX/XX/2022, I received a statement from the bank stating that they were unable to approve my claim. 
This is deeply saddening turn of events that has affected my personal and business financial stability. Please help me and thank you to all the great people at CFPB.
Product: Credit reporting or other personal consumer reports

I am requesting that the accounts that have no veirification of the proof of the debt must be blocked the information was never blocked and then transunion XXXX and XXXX never responded to my request take it up with the creditor when I call the creditor they have no departments that handle the issue and they say take it with the beuros