23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I recently refinanced my mortgage with Quicken " rocket ''. Quicken repeatedly tried to charge me points for rate locks where ( 1 ) the cost was not disclosed prior to the charge being assessed ; and ( 2 ) no options were presented with regard to the length of the lock or the cost of various alternatives. I refused to pay and Quicken removed the charges but showed no remorse and apparently think there was nothing wrong with their behavior. I believe this practice is costing consumers many millions of dollars per year in needless charges that they are not astute enough to recognize or complain about. I would hope the CFPB would require fuller disclosure of rate lock costs and options. ( I am a XXXX, and had no idea this type of behavior was permissible ).
Product: Debt collection

On XX/XX/2023 i have recieved another email and another phone call from the company true accord in attempts to collect a debt that is no longer being handled by the company. This account does not belong to me. I am a victim of identity theft and fraud. I have tried to dispute this matter with no results only attempts to still collect. This company is in violation please investigate promptly. There also were several attempts to collects different amounts of this debt. See attachments, dates, and amounts listed on emails.
Product: Debt collection

Portfolio Recovery Associates, LLC purchased a debt from XXXXXXXX XXXX  via merchant XXXX XXXX and are now attempting to contact me via phone calls in regards to a collection account, which I've found on my recently acquired consumer credit reports. I do not owe anything to this debt collector and this collection account on my consumer credit report is unauthorized and in violation of my consumers rights [ TILA and FDCPA ], as well as purchasing any alleged debt from a alleged original creditor and not having my consent nor any authorization to do so. And with furnishing inaccurate and unauthorized information to the credit reporting agencies, and to make matters worse inaccuracies are throughout those three consumer credit reports and the one from XXXX has my social security number incorrect which constitutes fraud. Please see attachments.
Product: Vehicle loan or lease

We had a vehicle financed through Wells Fargo. In the early part of 2018, that vehicle was involved in an accident and totaled. We had full insurance coverage, plus gap coverage on the vehicle. We promptly file claims with both insurances, and settlement funds were issued to Wells Fargo promptly. We spoke with Wells Fargo several times after they received the insurance funds, and we were assured by them that the account was completely resolved. They said that we no longer had any liability with Wells Fargo. In XXXX, we discovered that Wells Fargo was still reporting that we had a balance owed for {$960.00}! In addition, they were still reporting that the account was active, as well as past due! We have disputing this issue with Wells Fargo for months now, but they refuse to correct our credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15 U.S.SC 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: Debt collection

I was victim XXXX XXXX and was take to hospital all expenses were part of a claim with NJ victim comp fund claim # XXXX this company did not submit bill in a timely fashion and claim is now closed I am not responsible for this bill
Product: Debt collection

Professional Credit Management has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
Product: Debt collection

XXXX sent payment history on account no other information then send a debt collection notice from Sergeant capital services immediately following request requesting payment. My original request for documents was sent on XX/XX/XXXX XXXX. I sent it through a new creditor XX/XX/XXXX. I have yet to receive proper documentation where I agreed to have my debt sold. I have yet to see where it was legally purchased.
Product: Credit reporting, credit repair services, or other personal consumer reports

This was paid in full by XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. The collection company Westlake Financil placed a new collection on my credit report as if I opened an account. This is deceptive trade practices, and I should be protected as a consumer against this fraudulent reporting on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I experienced problems logging in to my Experian account, preventing me from lifting the freeze on the account. 

That same day, I wrote to Experian to the address provided ( XXXX XXXX XXXXXXXX, XXXX, TX XXXX ) and requested they immediately contact me via telephone or email to assist me in resetting my username and password. Pursuant to Experian 's instructions, I enclosed the necessary background information. 

I did not hear back from Experian. 

On XX/XX/2022, I again wrote to Experian, this time to the address provided ( XXXX XXXX XXXX, XXXX, TX XXXX ), as well as the address provided by the Bureau of Consumer Credit Protection in the State of Maine, where I reside ( XXXX XXXX XXXX, XXXX, TX XXXX ). I repeated my request that they immediately contact me via telephone or email to assist me in resetting my username and password, and enclosed the necessary background information. 

I received a notice from Experian, dated XX/XX/2022, stating that they have permanently removed the security freeze from my personal credit report. Unfortunately, Experian failed to address the underlying problem and has yet to assist me in resetting my username and password. Without resetting my username and password, I am unable to access my Experian account and keep track of my credit score. 

I would appreciate your assistance in having Experian immediately contact me via telephone or email to assist me in resetting my username and password.
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter is a formal compliant that you are reporting and incomplete credit information. 
According to the Fair Credit Reporting Act section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see verifiable proof ( I.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. 
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my credit report with all three ( 3 ) bureaus ( XXXX, TransUnion and XXXX ). There is a public record listed on all three for a bankruptcy. I disputed this incorrect information with all three bureaus and received a response stating the information obtain in my credit report was " verified as accurate. '' I contacted the bureaus to ask how this information was verified ; however, I have not received a response to that question. I mailed a letter to the court listed in my file and received a response from the United States Bankruptcy Court stating they do not report information to or remove information from the credit bureaus. In addition, I also contacted XXXX XXXX a third party agency and they indicate a freeze has been on my account since XX/XX/XXXX, XXXX.How was this information obtained and who verified this inaccurate information since the US Bankruptcy Court state they do not report anything to the credit bureaus. The US Bankruptcy Court is the only entity that can verify if this information is true and correct, and they state they do not provide information. I have made several calls and written letters disputing this public record and I am frustrated as I am getting no where.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im am writing in reference to a released tax lien that is reporting on my Equifax credit report as The lien has been released as of XXXX 2014I have filed numerous disputes in having this public record removed both by phone and by mail. Most recently XX/XX/XXXX which Equifax stated they obtained public record items from local, state and federal courts through a third party vendor. Equifax also stated : they reviewed the lien information and verified the public record item is reporting correctly.They further instructed me. that if I have additional questions about this item please contact XXXX XXXX XXXX, XXXX XXXX XXXX XXXX GA. Under the new law effective XX/XX/XXXX any public record data must include name, address, social security number, date of birth in order to appear in your credit file.Equifax has not updated the information and per that law the released tax lien listed does not include all the required information and should be deleted from my credit file.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX disputed false inaccurate credit report on Acct # XXXX XXXXXXXX XXXX XXXX ). Investigation results verified as accurate. That's false I submitted payment receipt and is being denied the right to have this deleted and updated. 
On XX/XX/XXXX XXXX XXXX XXXX electronically took my payment {$340.00} for the month of XX/XX/XXXX and early XX/XX/XXXX payment. Payment date are from the XXXX of each month. 
I open acct XX/XX/XXXX never missed a payment just XX/XX/XXXX and paid it on XX/XX/XXXX. 
Please see receipt and letterhead from bank saying cleared by XXXX XXXX XXXX
Product: Debt collection

Debt validation request was delivered on XX/XX/XXXX and I have not received the requested information within a timely manner.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account name : XXXX XXXX XXXX acct # XXXX, XXXX XXXX XXXX acct # XXXX file number XXXX, XXXX  Acct # XXXX, XXXX  Acct # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A states I have 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 1681-2 ( 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 accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credence Resource Management XX/XX/2021
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2023 Hello I am filing a report regarding my credit file on all 3 bureaus.

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for their reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately. 


Name of Account | Account Number | Provide Physical Verification XXXX XXXX XXXX XXXX | XXXX | Unverified Account XXXX | XXXX | Unverified Account XXXX XXXX | XXXX | Unverified Account XXXX  XXXX | XXXX | Unverified Account * Please remove all non-account holding inquiries over 30 days old. 
* Please add a Promotional Suppression to my credit file. 
Thank You,
Product: Credit card or prepaid card

I received a notification from XXXX XXXX on XX/XX/2022 that a credit card had been opened in my name at Raymour & Flanigan. I have never purchased anything from them either online or in the store. I called the company to see what was going on, and their customer service rep was very rude & unhelpful ( named XXXX XXXX. I asked her to close the account and told her it was fraudulent. She said it " seemed like a fraudulent purchase '' but She also told me that I was responsible for the payments or it will ruin my credit!! This fraud person opened an XXXX XXXX credit card and spent XXXX XXXX the same day. I disputed the charges on that day. XXXX would not tell me where these goods were shipped. She told me the purchase was made online and the credit card was opened online. A week later I received a store credit card from Raymour and Flanigan in the mail at my house! That means this fraud person knows my home address!! Now fast forward a few weeks and Raymour & Flanigan is now claiming that these charges are MY RESPONSIBILITY and refusing to drop the charge. This is questionable business practices. I want to know HOW they came up with this conclusion, and what information they have on the fraudulent charges. Also I filed a police report with my local police and I will give you the cc # upon request.
Product: Vehicle loan or lease

The payment received exceeds the total lease amount ( XXXX XXXX XXXX ) as well as the total price of the vehicle. 

Please mail title and excess payment in a check payable to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I began to get alerts notifying me that someone was applying for credit using my social security number. I have not applied for nothing. These companies reviewed my credit without my permission.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX, 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

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 Bankruptcy Account Number : XXXX Account Name : XXXX  XXXX Bankruptcy Account Number : XXXX Account Name : XXXX XXXX Bankruptcy Account Number : XXXX Account Name : XXXX  XXXX Bankruptcy Account Number : XXXX Account Name : XXXX  XXXX Bankruptcy Account Number : XXXX Account Name : XXXX  XXXX Bankruptcy Account Number : XXXX Account Name : XXXX  XXXX Bankruptcy Account Number : XXXX Account Name : XXXX  XXXX Bankruptcy Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or 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 reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau ( CFPB ), I am writing to urgently request your assistance in rectifying a significant error on my credit report that has severely impacted my financial standing and ability to pursue homeownership. 

On XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX reported a 30-day late payment to major credit bureaus, which has resulted in a derogatory mark on my credit history. However, this late payment was reported in error and does not accurately reflect my payment history with XXXX. 

I want to emphasize that I have consistently maintained timely payments on my accounts with XXXX. Despite this, I did not receive any communication from XXXX regarding late activity on my account. There were no text messages, emails, or phone calls alerting me to any issues, leading to confusion and surprise upon discovering the reported late payment. 

Additionally, my account with XXXX is linked directly to my XXXX XXXX bank account, which consistently maintains sufficient funds for all transactions. At the time the payment was due, my XXXX XXXX account had a balance of {$1500.00}, more than enough to cover the required payment of {$260.00}. In fact, I regularly made payments of {$350.00} per month, well above the minimum requirement. 

Given these circumstances, there was no valid reason for the payment to be missed, and ample resources were available to ensure timely payment of the account. 

The consequences of this misreported late payment are severe, as it has dramatically impacted my credit score and ability to secure financing for a home purchase. Therefore, I urgently request that the erroneous 30-day late payment be deleted from my credit report. 

I implore the Consumer Financial Protection Bureau ( CFPB ) to investigate this matter thoroughly and ensure that XXXX complies with all relevant credit reporting laws. Additionally, I ask for your assistance in facilitating the removal of this erroneous late payment from my credit report as soon as possible. 

Please find attached documentation supporting my complaint, including copies of my credit report highlighting the inaccuracies. 

Thank you for your prompt attention to this matter. I eagerly await your response and swift resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been in an ongoing dispute with Experian over the past 12 months. They have have left MANY unverified accounts on my credit profile which is tarnishing my credit worthiness. I have asked them specifically to tell me 3 things. 1- What is the name of the person in their company that verified the accounts? 2- What documents did he/she use to verify them and where are they? 3- What is that person 's business address and telephone number? I have a right to know what they used in their supposed investigation to verify these erroneous accounts and they have not once provided me with this information. I've attached a copy of page 2 that I sent them on several occasions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have inquiries on my report that have been giving me problems for almost 2 years now.It is from Capital One XX/XX/2017 and XX/XX/2017.This is a duplicate along with others from companies that have been getting me denied for lines of credit.
Product: Credit card

I paid off over {$7000.00} in credit card debt with USAA Federal Savings bank. However, the bank has placed a ten business day hold on the payment. I was not informed of this prior to making the payment, and in the past payments have never taken more than three days to process. Now I am deprived of liquidity for over two weeks and several expected payments will be missed. USAA claims that they have no power to change the hold period which is strange considering that they created it This is just another way to profit by holding onto funds for an excessively long period. This payment could be processed nearly instantaneously if the bank wished it so. Although the possibility of a payment hold is disclosed in the card agreement, it is buried in fine print and has never been applied in this way before. Had I known in advance, I would have retained some cash on hand.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Zelle XXXX Early Warning Services , LLC, ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Zelle 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 and 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 inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I currently have 2 other lease accounts with BMW Financial, that are on automatic withdrawal for payments. Both current and up to date accounts, are up for auto lease returns and I fully intend to replace them with 2 brand new auto leases. I have been a loyal and upstanding customer for years. 
The above disputed account was a lease return that had a mileage balance. BMW gave me 365 days to pay this account in full, since this was during Covid. I humbly accepted the opportunity. In XX/XX/XXXX, I made a second last payment through my BMW financial services online portal, in the amount of {$490.00}. The last payment of {$500.00} was called in and was scheduled to be processed on XX/XX/XXXX.Why this could not be entered in auto pay is shocking. BMW did not process this payment request and I did not notice it was not processed since I have never had this problem. I assumed BMW would process the payment since it was scheduled. I have no Idea what went wrong when I followed all the necessary steps. I was given no notice via mail - email or courtesy call that it was going to collections. This has significantly affected my credit! It went down 125 points from having a 773, I now have a XXXX. PLEASE remove the delinquent credit report immediately, as I in good faith scheduled the payment with your representative on the phone but it was not processed for unknown reasons BUT I promptly made full payment when I noticed it on my credit report today. The account balance is XXXX.