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 XXXX  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 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 months that are reported late 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 XXXX  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 XXXX  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

Almost two months ago, I opened an account with Skrill USA Inc. and funded the account using " virtual '' debit cards from another bank. About 10 days later, Skrill decided to suspend my account because they wanted to verify that it was me that opened and funded the account. They kept asking for driver 's license, selfies, bank statements, copies of the debit card, etc., to be sent to them to prove that it was me that opened the account. And I sent them all the documents that they asked for. But all documents I sent to them were getting rejected. My account has been frozen for over a month and I can not access my money. Skrill is holding {$9100.00} of my money. It's very difficult getting in touch with Skrill, not only they have limited hours ( closed on evenings and weekends ), but they never answer the phone when you call and when they do answer the phone, the call drops as if they're having phone problems. They suggest to contact them via chat but they only have a chatbot to answer questions which isn't very helpful. Another way to contact them is via email but sometimes it takes a week or more to get a reply. It's vey frustrating dealing with them, especially when they keep going at it for a month and a half to prove that it's me that opened the account.
Product: Credit reporting or other personal consumer reports

My information was sold and bought illegally because I was a victim of the XXXX data breach. I want these items Deleted from my credit reports effective immediately. I am attaching proof that XXXX has admitted that I was in fact a victim of, this data breach and XXXX has done nothing. Please help me delete these illegal accounts From my credit report Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Student loans
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of fraud. XXXX set up service at a location I lived at 14 years ago. They apparently did not ask for proof of identity. So today I find myself with problems because XXXX allowed me to become a victim of fraud. 

On or around XX/XX/XXXX, I received an email notice regarding a change in my credit report. I found that fraud has occurred and a derogatory item placed on my credit report.. After hours and hours and a few days, I discovered the charge was for XXXX. The only way I have discovered the facts of this case was actually through XXXX XXXX who placed this on my credit report on behalf of XXXX. ( XXXX ) and this is what I learned through XXXX XXXX AFTER filing a fraud complaint with XXXX as well as all 3 credit bureaus. 

I had a previous address of XXXX XXXX XXXX XXXX XXXX, XXXX, Tx. I moved from there, to XXXX XXXX, TX and I have not lived in XXXX since XXXX. That is currently 14 years ago.Someone moved into my previous address and connected XXXX in my name. The date of the fraud occurrence was XX/XX/XXXX. As I stated, I have not lived in XXXX since XXXX. XXXX set this up for someone without any proof of identity, and, they set it up under my name. I fault XXXX for inadequate procedures requiring proof of identification. 

Today, per instructions from XXXX, I contacted the police department in XXXX to file notice of fraud. I am also waiting for a fraud packet from XXXX. 

TransUnion has now notified me that my claim was denied and found to be valid. This is wrong. It is absolutely NOT valid as it is NOT my debt. It has taken me hours and hours to investigate this issue on my own. Had it not been for the info I received from XXXX XXXX, I would still be in the total dark over this issue. 

My credit score has fallen 43 point due to this action. This is not my debt and it is absolutely wrong to expect me to pay {$690.00} on behalf of a thief who has stolen my identity. Again, I state that I was not living there in XXXX, having moved in XXXX. I keep a close eye on my credit. I know who and what I owe at all times. 

The right outcome is to remove this from my credit report. This is the right thing to do. 

I remain hopeful that someone somewhere will help me with the correct resolution. This is not my debt. 

Thank you.
Product: Debt collection

My name is XXXX XXXX XXXX. I received a dark web alert from my XXXX credit report. The alert is a collection company Vance & Huffman , LLC stating that I opened a loan this year in XX/XX/2023 for {$2600.00}. The collection company stated the original creditor is XXXX XXXX. I did not open a loan with this company nor two or three years ago. The collection company is lying and committing fraud. This is the second time this collection company reported fraudulent information stating I opened an account. Could you please investigate this information? My current address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. My previous address is XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX XXXX Ca XXXX. Thank you.
Product: Payday loan, title loan, or personal loan

Possible finance has igorne my emails for days and wouldnt update my credit report and I cant wait until XX/XX/XXXX and I paid this XXXX loan off in XXXX the payment took too long to process and was paid off on XX/XX/XXXX I dont want ever want borrow from them because my credit score is worst and they wont do a XXXX thing about it
Product: Debt collection

upon trying to resolve this debt with this company that i dont know or signed any contract with they have been bothering me by mail and phone calls to collect over XXXX dollars that i do not owe them again i have never signed a contract with them in person or electronically for any reason neither any of there affilliates
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. Account name : Self Lender {$520.00} XXXX XXXX XXXX {$250.00} Late Payments 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 written instructions. 15 U.S.C 1681e. ( aX5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following terms of information. Any other adverse of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S C. 16818-2 ( AX1 ) 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 or prepaid card

Have had a XXXX XXXX account with XXXX XXXX for over 5 years. Was only 30 days late one time. Had a credit limit of XXXX originally was {$250.00} and due to good pay history etc have received regular credit line increases. My credit has actually improved in the past 24 months after going through a divorce in XX/XX/XXXX/XX/XX/XXXX. I found out for whatever reason XXXX did a credit review on my account on XX/XX/XXXX and lowered my credit line to {$150.00}! One, why was a review conducted? I have not been late, I did not ask for an increase and I have not purchased lately. Now it made my debt to income ratio closer to 100 %. I do not even understand why they did a credit review. I have other XXXX accounts that are ALL in good standing and I have NEVER missed a payment in almost 5 years. My credit score is actually better than it was when the account was opened. This extreme lowering of my credit line is going to adversely affect my credit score and debt to income ratio!
Product: Credit reporting, credit repair services, or other personal consumer reports

I received paper bill statements through the mail from TD Bank/Target and was changed to " electronic bills '' without my expressed consent or knowledge. I was in FL over a month with my XXXX ( XXXX XXXX  ) grandmother in XXXX 2018, my partner informed me of all received bills. Target wasn't one, so I was unaware there of a ~ {$40.00} balance and late fees along with locking the card because it was 2 days late. I called, was told the balance and paid immediately. The rep removed the late charge and told me it shouldn't be an issue after the explanation and since I had the card almost a decade with no issues. I received a notice stating I was reported to all 4 credit bureaus. I called and was told to write, which I did on XXXX XXXX, 2018. I received a response on XXXX XXXX, 2018 stating they investigated and are correct. I called on XX/XX/2018 and spoke with a supervisor at TD Bank and requested when the paperless billing was approved by me but he couldn't find a date. He stated there is nothing he can do. My credit score dropped from the XXXX by XXXX points due to TD Bank doing this.
Product: Credit card or prepaid card

XXXX and XXXX # XXXX failed to listen to understand each word of the needs to connect a credit account to a checking one after an hour call.
Product: Credit card or prepaid card

I purchased a sofa at a XXXX XXXX retail location. When I purchased the couch I was told that I could open up a store credit card account ( Comenity ) and receive 0 % interest fees for one year. I signed up for the credit card and made my purchase. After making my first few monthly payments I realized that I was being charged interest. I called XXXX XXXX, they said that it was a problem for the credit card servicer Comenity. I have now spent several weeks with Comenity but they refuse to refund the interest charges or put me on the 0 % interest plan that was advertised, they are saying that it was XXXX XXXX 's fault when the account was created. But when I call XXXX XXXX they say it's a Comenity Bank issue. Due to this neither one of them will take responsibility for the problem and fix it. I wanted to be refunded for the interest charges and put on the program I was promised.
Product: Checking or savings account

I asked to close my Huntington XXXX and Checking personal banking account four separate times starting in the end of XXXX. 

The reason for originally wanting to close my account was because of monthly maintenance fees that were never explained. 

XXXX XXXX at Huntington in XXXX XXXX XXXX XXXX told me over the phone I made enough income to comfortably pay the additional fees and why do you want to close an account with a local bank. 

I asked her to close all my accounts. She was extremely rude and told me I must do it in person. I needed to make a special trip back to the bank. I was assured it both accounts were closed. Come to find out weeks later they were still active. I went back to reclose it. I was assured again it was done and it will take a while. 

Went back a month later it was still active with more money in my account. Asked to close it again. 

Finally I went back today and it had deposits from a XXXX account. I pleaded again I wanted zero relationships With Huntington bank and to cancel all my accounts. 

It is still not finalized and I need help severing all ties with Huntington Bank. 

Thank you. 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.
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. 

Account : XXXX  XXXX # XXXX Account : XXXX  XXXX # XXXX Account : XXXX  XXXX # XXXX Account : XXXX # XXXX 15 USC 1681 section 602 A States I have the right to privacy. 

15 USC 1681 section 604 A Section 2. It also states a consumer reporting agency can not furnish an account without my written instructions. 

15 USC 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 USC 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 or prepaid card

I purchased XXXX cards from Incomm online more than 2 months ago. When the cards arrived, they had fraudulent transactions on them. I opened my case more than 2 months ago and they still have not reimbursed me for the fraudulent transactions. I ordered these cards to use them right away - not to wait more than 2 months.
Product: Credit reporting or other personal consumer reports

I did not authorized these inquiries on my Transunion report at all and it is there by fraud I have submitted an identity theft report to transunion as well and this matter has not been taken care of. These are the inquiries I did not authorize and I asked to be removed please. 
XXXX XXXX XXXX XXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

Constantly calling and and communicating to NO avail. I am believing that b/c I am Not a paying customer they report inaccurate info, even when they got all evidence from myself and consumer. When I called Experian THE AGENT WAS DOWN RIGHT RUDE, I HAD TO ADDRESS IT ON XX/XX/2018 AFTER CALLING 10-15 TIMES. I got online and complained about their communication tactics.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has reported to credit bureaus I was late more than XXXX date in XXXX and XXXX. And that is incorrect. I called and was told I can not speak to a dispute rep. And the supervisor seems it valid. Even though I made the payments. The XXXX month I was late was XXXX and thats not reported. Ive attached payments for both XXXX and XXXX shown less than 30 days in the billing period
Product: Credit reporting or other personal consumer reports

I noticed a hard inquiry on my credit report. It was from Consumer Portfolio Services. I have never heard of this company, I never contacted them, and I was not ( am still not ) in the market for a mortgage. This is very clearly a mistake. I have asked to have this inquiry removed and the letter was returned to sender. How can I possibly have requested a financial product from a company that doesn't even exist? See attached letter.
Product: Debt collection

Comenity that holds the XXXX Credit Card used aggressive techniques to attempt to collect funds. By calling multiple times through the day and including weekends. They call from an unknown number and then when answered they either dont respond or respond stating they are with the company. Which will be made in full on Thursday. This missed payment was an accident ; I have missed several before due to covid. This company was unwilling to help at that time during COVID. Id really like to stop doing business with Comenity due to their immoral practices and harassment. I called them today and the representative did absolutely nothing.
Product: Mortgage

Beginning on XX/XX/XXXX2020 we began the process of refinancing our home to lower our monthly payment. It was supposed to be a simple rate and term refinance. We received conditional approval on XX/XX/XXXX and were given what conditions needed to be met on XX/XX/XXXX. We began working immediately on getting the company the documents they requested but we had several questions about some of the documents being requested, and they told us not to worry about giving them those documents requested. The mortgage company then took 6 weeks to get back to us ( the end of XXXX ) just to tell us never mind we do need the documents that we told you not to worry about after all, as well as requesting several other documents that they had never requested. Within 3 business days I had all requested documents to them. Then we waited another 2 weeks just to be told that they needed even more documents ( due to COVID- I only discovered this after I reached out to a different lender about switching our refinance to them ). Then came time to close we signed the paperwork on XX/XX/XXXX2020 and closed, and the next morning after the closing documents were signed they came back and said we can't secure the financing because you now have 2 car payments. I was told in an email that if we paid off one of the car loans then we could close. So we paid off one of the car loans, and then the mortgage company took too long to process the paperwork and the appraisal on our house was no longer valid. They did not inform us with due time that the old appraisal was expiring nor did they look ahead with fore site to prevent this delay. It is now XX/XX/XXXX20 and the company is continuing to drag their feet on the closing of the refinance of our home. We have met and exceeded their requirements. I have spoken with numerous managers who say they are working on it but nothing is actually being done. I understand that their is high volume but closing on our house should be the easiest thing and they are twiddling their thumbs.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2023 i sent letters is a formal complaint that you have ignored my previous request and failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct.The information must be deleted from my report as soon as possible. The information is inaccurate and misleading and as such represents a very serious error in your reporting.

Under federal law, you have ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 30 ) days of the completion of your re-investigation15 U.S. Code 1692e - False or misleading representations
Product: Credit card or prepaid card

KOHLS DEPARTMENT STORE is showing me 30 days late in XXXX when they said they would not. They said that because it took kohls 2 months to get the card to me. It also took two months to get three bills each a different month and when I called and shared this they assured me they would not report me late to the credit bureaus. Well the reported me late in XXXX. 

Today XXXX I found out Kohls owed me money to the sum of {$40.00}. I had to fight to get the {$40.00} returned. Kohls will keep your money and lie about not reporting you being late account their fault. I was told my refund should take 10-14 days. 

Today XX/XX/2023 I instructed KOHLS TO CLOSE THEIR THIEVING STSTEM CALLED A STORE CREDIT CARD.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's 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 claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle 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 or other personal consumer reports

I have a student loan with duplicate amount and incorrect information that was sent to XXXX in the amount of {$150.00}, XXXX I contacted loan servicers who had refused to investigate the loan and to correct it but sending wrong information to my credit report 2 weeks ago, I received an alert from XXXX a student loan is in the amount of XXXX, XXXX. I contacted loan services ( ED finances they denied reporting such information and XXXX had refused to delete such information XX/XX/24 I received an alert from XXXX with a student loan debt in the amount of {$480000.00} today. I contacted Ed finances twice and was told they did not report this information to XXXX. spoke with XXXX who said they will not remove them unless ED told them. I have been playing like a yo-yo.