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

My account with XXXX was never late! I have had exceptional payment history with capital XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in 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 Never Sent the periodic statement along with the disclosures from section XXXX ( 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 XXXX and It was never provided. 

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

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

Reports show open account when recent XXXX XXXX should close all accounts. 
All education accounts should show IN GOOD STANDING.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, Particularly in 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 that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but also has allowed repeat offenders to exploit the systems, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA XXXX ( XXXX U.S.C. XX/XX/XXXX CREDIT BUREAUS are required to remove any items not later than XXXX business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XX/XX/XXXXXX/XX/year> XXXX XXXX XXXX XX/XX/year>
Product: Checking or savings account

My company had a glitch with direct deposit, so I was issued a paper check. I have deposited several paper checks from this exact same payer before, the funds were all made available to me the next day. I deposited my paycheck, dated XX/XX/19 in the amount of {$2600.00} via mobile deposit. I was informed by the app that my funds would be available next day, as usual. I then received a message from the bank, informing me that my check would be held for 5 days ... no explanation why. I called Simple bank customer support and they were unable to help me, they were unable to stop the deposit process, deny the deposit, close the acount, anything. Every option they gave me involved waiting several days for processing. Both associates were cold, unhelpful and aloof. I asked to speak to someone with the ability to override this and stop my deposit, so that I could make alternate arrangements with my money. They don't allow their leadership to speak to customers and they give their associates incredibly limited abilities and resources to solve problems.
Product: Checking or savings account

On XX/XX/2023 I received a letter in the mail from FNBO that was dated XX/XX/2023 The letter is addressed to me a name, saying that some recent account activity has been put on hold until I called them, and I will not be able to withdraw funds in the account. I called the XXXX number and talk to a young lady I did not open this account. I do not bank with them. She advised me to call credit XXXX XXXX XXXX XXXX and XXXX XXXX and then also go on ftc.gov and report fraud
Product: Mortgage

In XX/XX/XXXX I went into financial and physical hardship. I hired an attorney from advice from my realtor XXXX XXXX ; realtor license : XXXX and was directed to XXXX XXXX ; CA Bar License # XXXX, XXXX XXXX ; CA Bar License # XXXX, which I paid them {$5000.00} XX/XX/XXXX to represent me in my fight to get a loan modification. My first loan was with XXXX XXXX  for {$450000.00} Loan Number XXXX and second loan with XXXX Loan Number XXXX for {$43000.00}. I went through all the necessary steps and GMAC approved and we entered the Loan Modification Agreement on XX/XX/XXXX. We were in agreement to make 3 consecutive months payments at {$2300.00}. After making XX/XX/XXXXand XX/XX/XXXXpayments, a representative from GMAC named XXXX, informed me that I didnt need to pay the third month since I honored the first two payments. Subsequently, GMAC without my authorization nor knowledge, paid my property taxes which I was not in default. Soon after, GMAC changed the terms and required me to make a {$4200.00} payment which will cover the tax payments they made on my behalf. Unfortunately, I didnt have the financial ability to make that payment due to my hardship. XX/XX/XXXX my property went into default and into foreclosure. XXXX XXXX and XXXX XXXX then forced me into a short sale, in addition to making me pay 3 % ( {$8300.00} ) for the closing costs. XX/XX/XXXX my home was sold in a short sale. Complaints ; 1.Breach of contract, loan modification agreement. 2.Violation of civil cod Section 2923.5. 3. Breach of the Implied covenant of Good Faith and Fair Dealing to Honor Loan Modification Agreement. 4. Promissory Estoppel from denying loan modification. 5. Violation of Civil Code Section 17200. 6. Declaratory Relief of Loan Modification Agreement.

I believe I was discriminated against based on my ethnicity, skin color and socioeconomic background, in addition the transactions and the course of action that took place throughout this process. The attorney 's I hired to help save my home, took advantage of my financial hardship and sold my home in a short sale. I don't understand how I was approved for a loan modification, then I " didn't qualify '' and soon after, my attorney 's sold my house in a short sale. I gave all necessary information, including all paperwork for the HOPE and HARP program for loan modification.
Product: Debt collection

Repeated calls for my ex husband 's wife. We have been divorced for over twenty years. I have not talked nor laid eyes on these people in twenty years. The repeated calls are upsetting me and my family.
Product: Student loan

After graduating XXXX, the loan payments became astonomically unaffordable. they offered income based repayment plans but it made the balance and principal constantly grow to where payements were not going towards principal or interest. it 's impossible to pay this loan off on their terms.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to formally file a complaint regarding the inaccurate, unverified, and outdated information currently being reported on my credit reports by various creditors and collection agencies. As a consumer, I have the right to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ), and I believe the information outlined below violates these rights. 

Addresses and Employers : There are multiple discrepancies and outdated information regarding my previous addresses and employers that need to be corrected or removed : Addresses : 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 These entries are either incorrect or outdated and need immediate correction or removal from my credit reports. 

Negative Credit Information : The following accounts are being reported inaccurately or without proper verification : Charge-Offs : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I have reason to believe that the creditors and collection agencies reporting these accounts have failed to verify the accuracy of the information, as required under FCRA XXXXection 609 ( a ) ( 1 ) and Section 611. Additionally, I have not been provided with proper documentation to substantiate the validity of these debts. 

Request for Relief : I am requesting that the CFPB intervene and investigate these matters. Specifically, I ask for the following : An investigation into whether the creditors and collection agencies have complied with their obligations under the FCRA. 

Verification of all disputed information or its removal from my credit reports if verification can not be provided. 

Correction or deletion of outdated and inaccurate personal information, including addresses and employers. 

Please let me know if additional documentation is required to proceed with this complaint. I am prepared to provide any further information needed to support my claims. 

Thank you for your attention to this matter. I trust that the CFPB will act to ensure that my rights as a consumer are protected. I look forward to a prompt resolution of these issues. 

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

I have been disputing multiple accounts on my credit report and I haven't seen any responses from Experian or XXXX. It almost seems like they're not taking anything serious currently. I would just simply like them to remove these accounts that are not mine. It is going on six months of no responses from this, I will attach all my letters to this complaint to prove my struggles with them. I'm just trying to move forward with my life and these accounts are hindering me from getting a new home and new job opportunities.
Product: Consumer Loan

My vehicle was re-possessed without ANY prior communication. 

My information with CapitalOne has been the same since the day my loan originated ; phone number, and email, my address changed a year ago but I made sure they had everything correct. I had fallen behind on payments but called and was told that because I am once again employed and can make extra payments I was " fine. " " Fine '' apparently means " just kidding, we 're coming for your car. " I received no phone calls, no emails, no letters prior to my car being taken. This is a direct violation of my consumer rights. Additionally, the repo company that took possession of my car ransacked my belongings as well as the interior of the vehicle, they made me sign a form saying everything was returned to me in good condition before I was allowed to see any of it or enter my vehicle.
Product: Credit reporting, credit repair services, or other personal consumer reports

" " '' I have disputed this Charge Off on this XXXX XXXX for months.XXXX and XXXX have reversed them but Experian is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously.

I am a victim of identity theft.CFPB please step up and fix this ASAP, pursuant to section 605B of the Fair Credit Reporting Act. '' '' ''
Product: Money transfer, virtual currency, or money service

There were 2 small transactions on my account submitted on XX/XX/XXXX and i received a text message about fraudulent activity. I called the bank the agent cancelled my cards and ordered new ones on Monday XX/XX/XXXX i received a call from the fraud department following up on Saturday 's activity and to verify activity from that day. Believing that this was actually Wells Fargo, they did not ask for account information or anything, when denying any of the activity from that day, i pulled up my account, and dialed the number on another phone. The Wells Fargo automated message came on and i saw the transactions that they mentioned on my account. They indicated that they will send me a code a read back the number. Again, believing this is actually Wells Fargo, i gave the code. i literally watched the {$14000.00} disappear from my account instantly. The next day I went to local branch, they cancelled all cards and changed all accounts. I received a letter today stating that Wells Fargo was not responsible because someone used my username and password to send the Wire transfer. Neith of which i gave out. They already had account information and everything. They never asked for anything other than the code. I feel that this is a gross injustice and due to their lack of security proctecion on my account is why it was compromised. They have the information of where the wire was sent, email from the XXXX account they were trying to get additional funds from. Noone contacted me to ask for anything. I have all of the codes that were sent. They could be used for investigation. I have the email from the person that took my inquiry that Saturday. My prior account history and movements should have caused reason to question all activity. There is also an article published by XXXX that speaks to this very scam. I need your help as $ XXXX is alot of money and all i have. I was hoping to get reimbursed by now to pay my bills for XX/XX/2023. The money taken cause my mortgage and car not to not be paid so i know will have to unpaid notes and i have not ever missed any. PLEASE HELP ME< I AM DESPERATE AND BROKE
Product: Credit reporting or other personal consumer reports

I tried signing up for Experian to place a freeze on my credit. They froze my credit but stated they could not verify my identity to create an account and offered no solutions to it. I am now trying to unfreeze my credit with Experian so I can apply for a credit card. They continue to state they can not verify my identity on the account so will not take any further action. I have tried calling 2 separate customer service numbers ( the only ones I can find on the website ) and they are automated systems that will not connect me to a representative or resolve the issue as I do not have a pin number ( I never received one from Experian ). I have attempted to verify my information online with Experian and have heard nothing back. I attempted to download the app to try to access/ verify my account. It says my phone number is correct but will not send me a verification code to access my account. I have no idea what else to do or who else to contact to get my credit unfrozen.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, several hard inquiries were made to my credit that I did not initiate. 

1 ) CapitalOne - XXXX Capital One XXXXXXXX XXXX XXXX XXXX, XXXX, VA XXXX ( There are also several soft inquiries made to my account under Capital One 's name ) 2 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH, XXXX Upon calling Capital One to inquire about this inquiry and to report it as fraud, they informed me that there were not any accounts that currently appeared under my name and that I should send a letter detailing the issues to them. I have initiated a dispute through XXXX to these inquiries and will do so on other reports.
Product: Payday loan

I received a phone call from a company called frontier financial group, and they claimed they were collecting for an unpaid payday loan. I have been making payments to them since XX/XX/XXXX. I paid XXXX dollars a month, then in XX/XX/XXXX, I paid XXXX dollars, then was going to pay remainder in XXXX. I tried to contact them to talk about my payment, and I could not reach them by phone at all. I tried about XXXX times that day, XX/XX/XXXX, different times of the day, and always got hung up on. I did some calling around, and even XXXX said they could n't find anything on this company, but when she researched it, found nothing but information about them being a scam. I have paid a total of XXXX dollars to them, and would llike my money back if possible. 
thank you, XXXX XXXX
Product: Debt collection

Disputed derogatory in writing to XXXX who failed to comply with Fair Credit Reporting Act and Fair Debt Collection Practices Act, 15 USC 1692g Sec 809 validating Jefferson Capital Systems in excess of 90 days.
Product: Credit reporting or other personal consumer reports

Dear EQUIFAX As a Federally protected consumer, I have noticed several violations to my rights Also several of my accounts are inaccurate. Several of my nonpublic information has been exposed, I have been a victim of identity theft before and information being broadcasted in the manner you have I am now susceptible to being a victim once again.My XXXX account & my XXXX XXXX  accounts gives an great amount of in depth information, such as the amount I paid and the exact date etc. that information violations 16 CFR 313.3 Definitions ( n ) ( 1 ) Nonpublic personal information means : ( i ) Personally identifiable financial information; and ( ii ) Any list, description, or other grouping of consumers ( and publicly available information pertaining to them ) that is derived using any personally identifiable financial information that is not publicly available. 
The exact amount, dates & current status of the account is only information that can be obtained by using my non public information .Also that particular information isnt public hence to why you have to call and give certain information to access those details. 
( XXXX ) Nonpublic personal information does not include : ( i ) Publicly available information, except as included on a list described in paragraph ( XXXX ) ( XXXX ) ( ii ) of this section; or ( ii ) Any list, description, or other grouping of consumers ( and publicly available information pertaining to them ) that is derived without using any personally identifiable financial information that is not publicly available
Product: Credit reporting or other personal consumer reports

I recently perused a copy of my credit report. It stated that the source of the credit inquiry was the credit inquiries listed below. However, these inquiries were not approved by me. Please remove these questions from my credit report since they make it harder for me to apply for loans and get credit. Kindly forward any supplementary materials you possess about this inquiry. 
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
Product: Credit reporting or other personal consumer reports

My information was exposed during the data breach.Experian has allowed this company to fraudulent put this account on my credit report without during a real investigation. 

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I was never late on this account. Please check the status on this account. 

Inquiry XXXX This inquiry was not authorized
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX company is reporting an account on my credit report that I never opened! currently this account is in collections, I have reach out to them and they have done nothing! Still reporting as a collection on my credit report.
Product: Mortgage

Fay Servicing is my new mortgage company that took over from my last mortgage company. ( XXXX XXXX ) The mortgage payment was fixed at being XXXX per month for the life of the loan and the amount owed was XXXX which I paid biweekly. However the payment is close to XXXX in now paying XXXX dollars every two weeks and the whole amount owed is XXXX where did the extra XXXX come from. No clear answer for this.
Product: Credit reporting or other personal consumer reports

MY truck was totaled, sitting in a junk yard while waiting for XXXX XXXX XXXX to pay it off. However, it is listed on my credit report as late and written off which is a complete lie. XXXX XXXX payed the entire balance.
Product: Mortgage

Ref Complaint # XXXX Attaching all existing materials, adding the XXXX XXXX XXXX XXXX Truist claimed the complaint was sent by an unauthorized person, I am fully authorized by my mother to act as an advocate on her behalf and this approval is in the files at Truist. 
__________________________________ Truist as a XXXX XXXX  servicer purchased my home loan and failed to pay the flood insurance causing it's cancellation. A new policy is XXXX XXXX more expensive. This will be financially devastating for our family and force the sale of our family home. The prior mortgage servicer XXXX, they also purchased the loan and made all necessary escrow payments in XXXX without issue.In XXXX, SunTrust now Truist failed to pay, the insurance was cancelled in XX/XX/XXXX. A new policy is required by XXXX XXXX the policy will be at a XXXXXXXX XXXX increase to {$5000.00} up from the prior XXXX {$500.00} due to this escrow processing failure. XXXX XXXX had the address on fi XXXX as Truist XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, which was provided by the servicers agent. They assure us they billed the address provided. Truist has acknowledged the error but has been unable to reinstate the policy at the prior rate which was a grandfathered rate. Truist had the fl ood policy number in their system, I believe they knew it was a XXXX XXXX ( aka XXXX ) underwritten policy. They contacted the wrong insurance company to gain information.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX and I am submitting this CFPB Complaint demanding to dispute the fraudulent items listed on my credit report. I recently received a copy of my credit report and was shocked to find that there are several accounts and Information that I did not open and have no knowledge of. The items in question are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX, XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Unpaid Balance {$0.00} XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 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 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 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  XX/XX/XXXX XXXX XX/XX/XXXX . I can assure you that I did not open these accounts or authorize anyone else to do so on my behalf. I believe that this is a case of identity theft and I am taking steps to report this to the authorities. I understand that the Fair Credit Reporting Act requires you to conduct a reasonable investigation into any disputes, and I am confident that you will find that these accounts are fraudulent and should not be listed on my credit report.