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

XXXX XXXX, XXXX, XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle handling of disputes, particularly in the light of the recent cfpb lawsuit highlighting significant issues with the plat form. 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 tracking these transactions was unfeasible. The cfpb findings indicate that Zelle has not only neglected to protect consumers but 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

Despite multiple written requests, the unverified accounts listed below continues to report on my credit report in violation of federal law. I sent a letter to the 3 credit bureaus but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate this account, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 


XXXX XX/XX/202XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Delete late payments I have read my credit report and I see an inaccurate and unlawful account. It has several late payments which are erroneous. The information listed is not aligned whit the other bureaus. This is a big violation of FCRA, please verify these late payments that you claim I did commit. SEND ME documents such as contracts, billing statements, signed agreements and the representatives you spoke whit who verified it WITH AN affidavit. If the requested documents are not met. Please remove these erroneous and unlawful late payments on my payment history like XXXX did. 

I DID MY RESEARCH AND HERE ARE THE LAWS YOU ARE VIOLATING : 15 U.S. Code ss 1681e ( b ), it's crucial that consumer reporting agencies take reasonable steps to ensure the highest possible accuracy of the information concerning an individual in their reports. 

15 U.S. Code ss 1681 e ( b ), it is stated that when a consumer reporting agency prepares a consumer report, it must follow reasonable procedures to ensure the highest possible accuracy of the information concerning the individual.

I am fully aware the under 15 U.S. Code ss 1681i ( 5 ), it is stipulated that if, after a reinvestigation, any disputed information is found to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must promptly delete or modify that information accordingly and notify the information furnisher of the changes. 

15 U.S. Code 1681s-2, specifically, the Responsibilities of furnishers of information to consumer reporting agencies, it is noted that within 30 days, you did not properly indicate that this account was under dispute, thereby resulting in a violation of this provision. 

15 U.S. Code 1682n ( b ) civil liability of a natural person I've been violated. 
My disputes are detailed and directly related to the accounts in question. A template response WILL NOT BE acceptable response. If, within 15 days after your investigation, you are unable to provide me with verifiable proof, you are obligated to remove erroneous and unlawful late payments on my payment history. Listed below These account should not reflect as negative : XXXX. XXXX XXXXXXXX XXXX XXXXXXXX YOU ARE NOT reporting 100 % correctly. You are violating FCRA. DELETE the late payments on my payment history ASAP. 

SEE PICTURES UPLOADED
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, my name is XXXX XXXX. 

These accounts are inaccurate and are in civil litigation. By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor did not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must Note that the collector has to stop all collection activities until it can provide all the evidence. Under the FDCPA Section 809, Validation of debts [ 15 USC 1692g ] I have the right to verify any alleged debt on my credit report and if the alleged debt is being disputed Inability to show the slightest evidence, the creditor must stop all collection activities and delete the collection account from my credit report. These accounts are in civil litigation against the credit bureaus for fraudulent and unauthorized deceptive practices being committed on their behalf. Here are the accounts listed below : XXXX XXXX  XXXX EquifaxXXXX-XXXX XXXX EquifaxXXXX XXXX EquifaxXXXX-XX/XX/2020EquifaxXXXX XXXX XXXX  XXXX  XXXX XXXX EquifaxXXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX  XXXX XXXX  XXXX  XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXXL and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

Upon recently checking my credit reports I found that there were fraudulent inquiries and accounts from companies that I dont recognize. These Inquiries are listed below XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Along with the insurmountable inquiries that was falsely reported to my credit account there were also several different accounts on my credit report they are listed below. 

XXXX XXXX XXXX {$580.00} Opened XX/XX/XXXX XXXX XXXX XXXX XXXX accounts XXXX with a balance of {$17000.00} Opened on XX/XX/XXXX Another opened XXXX XXXX {$13000.00} XXXXXXXX XXXX XXXX {$220.00} Opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  {$200.00} Opened XX/XX/XXXXXXXX XXXX XXXX XXXX {$31.00} Opened XXXX XXXX XXXX XXXX XXXX {$550.00} Opened XX/XX/XXXX XXXX XXXX XXXX account XXXX ) XXXX Opened XX/XX/XXXX XXXX ) XXXX Opened XX/XX/XXXX There is also a list of names and addresses on my credit profile that is incorrect the only names and addresses should be on my credit report is listed below XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX did not correct an erroneous credit reporting item from XXXX XXXX XXXX. I disputed the item with XXXX against XXXX XXXX XXXX on XX/XX/2021. I have spoken with XXXX XXXX XXXX mortgage department 11 times and every single time, I was assured that I was never late and the balance is XXXX. However, XXXX refuses to correct the error. 
The wrongdoing has caused my score being dropped to XXXX, preventing me from getting any credit during this very challenging time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX, a consumer, natural person, and the original creditor of an open end credit plan, received results back from TRANSUNION that were not in my favor. In TRANSUNION 's response to my CFPB complaint case number XXXX, TRANSUNION stated XXXX " XXXX XXXX XXXX XXXX  verified the account as reported. '' This let 's me know that TRANSUNION did not perform a proper investigation involving this matter. They received this information from a creditor and pursuant to 15 USC 1681a ( e ), factual information obtained directly from a creditor of the consumer shall not be reported on my consumer report. Since this statement let 's me know that their investigation is not valid, this information must be excluded from my consumer report. I've even provided TRANSUNION proof of my inaccurate credit report and a letter from XXXX XXXX XXXX XXXX to delete the late payments and TRANSUNION still chose to ignore this evidence. It is my belief that TRANSUNION has been using unlawful extortionate means, as defined by 18 U.S. Code 891, with forethought and malice to bring harm to me and my financial reputation. Transunion went over the XXXX days required by congress of an re-investigation to send me proof of their investigation and I never received this proof because this was submitted on XX/XX/2022 and I never received a response until XX/XX/2022.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with XXXX XXXX XXXX and XXXX XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, Equifax, XXXX XXXX XXXX and XXXX XXXX with no successful resolution. XXXX  and Equifax were reporting me late. There was definitely an error on their part. I was never 30 days late.
Product: Debt collection

XXXX continually calls me about a PayPal debt that was discharged in bankruptcy. Even after politely asking them 30 or so times at this point, they continually calls, write, and email.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXX XXXX XXXXA XX/XX/XXXX PXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXTA XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXXK XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like for the credit bureaus to remove all fraud alerts on my credit profile unless I call or send in any letters saying so. I am tired of being embarrass when I apply for new credit. It is ridiculous to always be denied and not instantl approved of credit because my fraud alerts. Please remove them now within 24 hours of receiving message. Also please remove any address, names, social securities. I also want to permanently opt out of any marketing advertising and please do n't sell any of my information to any creditors or any companies or you will face consequences in court against me. Remove any employer information that is on my credit report. Please send me a newly revised credit report from all 4 credit bureaus with updated information. I did n't give any consent for any inquiries on my credit report. Show me your verification process and how these inquiries were placed on my credit report? It 's so much XXXX that goes on with in credit and you guys try Remove them as well, all inquiries please XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX. Please prove your verification process please send me information on how you verify information please. I need step by step. I have filed complaints online and certified mail to FTC, XXXX County Courthouse, BBB, an Affidavit that will be sent over to you.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX  XXXX XXXX Innovis
Product: Credit reporting or other personal consumer reports

I went on my credit report with Experian and noticed a lot of hard inquiries on my account I didnt make!
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Reporting Agencies should not be able to charge an individual to freeze their credit. An individual 's credit should be frozen on default, including pre-screens, and only be unfrozen at the individual 's request.
Product: Payday loan, title loan, personal loan, or advance loan

On XX/XX/XXXX I applied for a Installment Loan for plumbing work on my rental property. In the amount of {$7300.00} monthly payments are {$300.00} no interest until after XX/XX/XXXX. I have expectational credit with a score in the high XXXX. The Loan was approved & the first payment was due on XX/XX/XXXX. On XXXX XXXX I made XX/XX/XXXX payment in the amount of {$300.00} check # XXXX From XXXX XXXX XXXX On XX/XX/XXXX I made a payment in the amount of {$350.00} this was ( XX/XX/XXXX Payment ) check # XXXX From XXXX XXXX XXXX. On XX/XX/XXXX I made a payment in the amount of {$350.00} this was ( XX/XX/XXXX Payment ) From XXXX XXXX XXXX check # XXXX On XX/XX/XXXX I made a payment in the amount of {$340.00} check # XXXX from XXXX XXXX XXXX ( this is XX/XX/XXXX payment. On XX/XX/XXXX I made a payment in the amount of {$890.00} from my XXXX XXXX Bank savings Acct. This paid the account up to XX/XX/XXXX XXXX on XX/XX/XXXX I got a notification from the Credit Bureau that one of my acct. was 30 days late. Which is a error on Green Sky. I contacted Green sky & spoke with XXXX, & I called XXXX XXXX bank & spoke with XXXX. XXXX XXXX bank said they deducted the money out of my acct & mailed the payments to Green Sky. The payments in the amount of {$300.00} from XX/XX/XXXX to XX/XX/XXXX would be due in the amount of {$1200.00} I have pd more then this amount In the month of XXXX. I have paid the grand total of money that has been deducted from my bank account is {$2200.00}. This acct has never been late in the 4 months. Green sky has reported inaccuracy outdate information to the credit bureaus this is a violation violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681ny and the credit reporting agency has reported this inaccurate information which is in violation of violated two FCRA provisions : 15 U.S.C. 1681e ( b ), which requires consumer reporting agencies like XXXX XXXX, XXXX, and XXXX to assure maximum possible accuracy of the information contained in credit reports, and 15 U.S.C 1681i ( a ) This needs to be corrected
Product: Consumer Loan

On XX/XX/XXXX, I was involved in a motor vehicle accident with my XX/XX/XXXX XXXX XXXX financed through Toyota Motor Credit/Toyota Financial Services. They are was deemed a total loss and my insurance carrier, XXXX, paid off the remainder of the loan and the title was signed over to XXXX by Toyota. I also had gap insurance. On my credit report, I am showing a charge off for a balance of {$700.00} on XX/XX/XXXX and late flags for XXXX, XXXX, XXXX, and XXXX. When I contacted Toyota to dispute this and get more information, I was informed that my account was closed and they were unable to access my account or help me in any way. This leaves me unable to dispute this with them and I have no where else to turn. The resolution I would like to see is the charge off removed from my credit report and that of my husband 's ( the joint account holder ) and the late flags removed for XXXX, XXXX, XXXX and XXXX on my credit report as the loan was satisfied and the title was released.
Product: Checking or savings account

XXXX I tried sending money via XXXX on Umpqua Bank website, I signed up for XXXX, the amount I needed to send was over limit according to Umpqua, which was {$500.00}. I decreased amount to {$400.00} and got the same reason. I then decreased amount to {$300.00} and the message I got was XXXX can not be completed. I completely logged out and went back into the Umpqua Bank website and tried doing it a total of 3 more times to no avail receiving the same message every time transaction could not be completed. On the evening of XXXX my husband and I went to get groceries and our debit cards were denied, having to leave our groceries behind. We then went ahead to Umpqua Bank ATM and got a receipt stating Card was reported Lost on my card and my husbands card. I went home and tried logging into my account and my account information is GONE! I called on XXXX and spoke with someone in the Fraud Department who proceeded to tell me that I have a restriction on my account because of the attempted XXXX transaction I tried on XXXX and there was nothing they could do for me until Monday when the investigative team is back. NO call was ever received from Umpqua Bank questioning or asking me about anything suspicious they just took my money and access
Product: Debt collection

I believe this was a result of XXXX XXXX in XXXX, California, I paig my bill in full, almost {$1500.00} before I left XXXX. This was paid off at the front desk in their office using a credit card. As for the dates, I have no idea but I left XXXX on XX/XX/2014. 
Now, I'm sick and tired of every credit bureau, every complaint department ALWAYS being in the right - this was paid off and I will not pay it again.

Rash Curtis bought an account that was not correct and that's their issue, NOT mine. It's XXXX  how everyone makes the consumer the responsible party to an issue that should not have gotten to this point. I'm fed up with this collection and I want the bogus complaint removed from my credit report TODAY
Product: Mortgage

Today I called Rocket Mortgage to make sure going forward to XX/XX/XXXX they mark my account to only put payments towards Principal since this I don't owe any monthly payments till then. This bank seems to collect money on interest that didn't happen yet. I have been paying $ XXXXweek automatic payment from my bank. Rocket Mortgage only has an option of paying monthly or biweekly so therefore in order to make sure my payment gets there I make sure to have in place an automatic withdrawal the day I am paid so I don't overspend. 
On multiple occasions I have called in to Rocket Mortgage and they have magically put in the computer to put all money sent to them into Principal only until I hit the date my mortgage is due which usually is several months in advance. Since inception I have paid weekly paying more than I need to pay each month. Instead of having the extra go towards principal they stick it towards the next payment. When doing so I have been paying months of payments ahead of schedule and the bank has been keeping the interest. If I don't owe a mortgage payment till XX/XX/XXXX why in XXXX did they collect interest on XXXX, XXXX, XXXX & XXXX BEFORE it has happened. These banks are collecting interest when all additional $ $ should be going towards principal. Because their app and website only has 2 week and monthly options people like me that get paid every week do not have the option of sending weekly unless they go thru their local bank. I am sure if you look back Rocket Mortgage has collected lots of interest they didn't earn. All previous occasions the bank was able to have all money go towards principal until now. Very upset banks get away with this. They should be held accountable for collecting interest and making money on us. If you look at my attached bank transactions I called to them on XX/XX/XXXX and asked that they make sure all payments go towards principal since I was ahead in payments until my next payment that was due XX/XX/XXXX and did it again on XX/XX/XXXX till I owed a payment on XX/XX/XXXX check my attachment I highlighed in yellow!
Product: Credit reporting or other personal consumer reports

in accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604a section 2 it also states that a consumer reporting agency can not furnish an account account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 
On XXXX, XXXX SBNASELFLNDR Reported to XXXX that I had a late payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

OnXX/XX/2020 I found several credit inquiries on my credit report that I have NO knowledge of. I followed the exact letter of the law and contacted the Credit Bureaus ( XX/XX/XXXXXX/XX/XXXX/XX/XX/XXXX/Equifax ) and disputed the validity of these Inquiries. I ALSO contacted the creditors directly. Several representatives informed me that the name as listed on the account did not match my name spelling or other identity indicators others could not provide me with any information about the alleged application because their firms DID NOT retain the information on this inquiry.
Product: Debt collection

I received this letter from Foster & Monroe , LLC SAYING I OWE XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX account number XXXX and they are asking me to send them XXXX by XX/XX/2022 and dont have no knowledge of these places
Product: Credit reporting, credit repair services, or other personal consumer reports

My Navy Federal Account is showing as closed when it is opened. The account has a {$35000.00} credit limit. I called they said the account should not be reporting as closed but they did not update it. Please help. I copied the proof from my report below Navy Federal Cu CLOSED XXXX XXXX XXXX Last Updated XX/XX/2020 XX/XX/2020 XX/XX/2020 Payment Status Pays account as agreed Paid or paying as agreed This is an account in good standing Worst Delinquency None Reported None Reported No update received Balance {$0.00} {$0.00} {$0.00} Credit Limit {$35000.00} {$35000.00} {$35000.00}