23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently, I did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifiable, inaccurate, and questionable items that the credit agencies didn't make sure it was reporting 100 % correctly The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report?
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX TRANSUNION was never late! I have had exceptional payment history 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 to be updated.

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 TRANSUNION 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! 


Update the late payments from my consumer reports
Product: Debt collection

This debt buyer PARKED a collection on my credit reports without my knowledge and in doing so, they are in violation the FDCPA 809 ( a ) Collection Practice of placing a collection account on my credit reports without sending a dunning letter to me. XXXX XXXX XXXX also failed to follow FDCPA 809 ( a ) by not sending a letter giving the consumer time to dispute or validate the alleged debt within the allowed 30-day time frame that is allowed by law. 

Upon reading my credit reports a collection for this alleged debt has already been added, and removed by another debt buyer ( Enhanced Recovery ) and by them! The collections were removed by XXXX on XXXX XXXX, XXXX and was removed by ( ERC ) on XXXX XXXX, XXXX, reinserted and then removed again on XXXX XXXX XXXX. 

I request that they verify the following information. 
XXXX. Registration/License Number that allows them to collect in the state of Louisiana! 
1. Full original Account Number 2. Date original Account was opened 3. Any written agreements between myself and the original creditor stating this debt is owed 4. Full account summary and itemized calculation of alleged debt 5. Date of the first delinquency 6. Dates and times of any phone calls made and to what number in attempt to contact me concerning the alleged debt before it was reported to an agency, and so proving that these calls were made in the times governed by FDCPA law.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), " You are Required by Federal Law to Verify through physical Verification of the Original Signed Certified Consumer Contract of Any and All Accounts You request to be reported on any Credit Report '' ... Please verify and remove the inaccurate accounts below. 
I have already disputed the items with the bureaus on XX/XX/2022 but the bureaus did not remove them, nor prove validation. 
Under Sec. 602 FCRA " I have a right to privacy '' XXXXXX/XX/XXXX Account # XXXX XX/XX/XXXX Account # XXXX
Product: Credit reporting or other personal consumer reports

Subject : Urgent Action Required : Cease Unauthorized Credit Reporting - XXXX XXXX FCRA Identity Theft Fraud Laws Dear WELLS FARGO CARD SER, I am writing to address a serious violation concerning the unauthorized reporting of information to my credit report, as mandated by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), the XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX, in conjunction with XXXX XXXX FCRA identity theft fraud laws, particularly XXXX XXXX XXXXXXXX XXXX XXXX XXXX .

It has come to my attention that WELLS FARGO CARD SER has reported information to my credit profile without obtaining my explicit consent, a clear infringement upon my rights as outlined in federal law. The FCRA unequivocally requires consumer consent for such reporting activities under Section 1681b ( a ) ( 2 ). 

Furthermore, XXXX XXXX state law, notably Section XXXX of the XXXX XXXX Finance Code, emphasizes the necessity of consumer consent for credit reporting, while Section XXXX establishes specific guidelines for fair reporting practices. Additionally, XXXX XXXX identity fraud laws, such as XXXX XXXX Penal Code Section XXXX, highlight the severity of unauthorized access and misuse of personal data. 

I want to make it explicitly clear that I have not granted consent for WELLS FARGO CARD SER to report any information to my credit profile. This lack of explicit authorization constitutes a serious violation of my rights and could potentially harm my creditworthiness. 

I demand immediate cessation of any further reporting of information to my credit profile without obtaining my explicit consent, as required by Section 1681b ( a ) ( 2 ) of the FCRA and Sections 392.301 and 392.305 of the XXXX XXXX Finance Code, as well as XXXX XXXX FCRA identity theft fraud laws. Failure to comply within XXXX  days will be considered willful noncompliance, subject to penalties under applicable laws, including identity fraud laws. 

Obtaining consent is not a discretionary choice but a legal obligation under these statutes. This is not negotiable ; it is a demand for compliance with federal and state regulations aimed at protecting consumers like myself from unauthorized credit reporting.

I expect prompt attention to this matter and swift rectification of these violations, respecting my rights under federal and state laws.
Product: Credit reporting or other personal consumer reports

Experian is showing an XXXX Account, acct # XXXX and another XXXX account for wireless, acct # XXXX and i have never had an account with them in my life.
Product: Credit card or prepaid card

I returned an item to seller and asked my bank to refund my money and my bank denied my request. I gave my bank tracking information proving the item has been returned to seller
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting that my account is late. It can not be late because its been closed and paid in full for over 4 years. XXXX reported to XXXX, XXXX. XXXX this account is open and late dated XX/XX/2020. This is inaccurate and fraudulent and hurts my credit growth. This must be stopped and my credit report must be updated correctly.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is simply not providing me with a " XXXX '' score. As a result, I am not able to obtain any credit, let alone credit with fair and reasonable terms. According to their site, reasons for not having a score do not apply to me. For instance, not having a credit history, or being deceased. Also, I have a score with XXXX  and XXXX, therefore Experian 's act is unconscionable to say the least.
Product: Checking or savings account

On XX/XX/2018 I received a letter from my financial institution stating that both of my business checking accounts are being closed. I am a legitimate business owner and have never done anything wrong or received any warning of any wrong doing.
Product: Vehicle loan or lease

I noticed unauthorized inquiries on my report & noticed someone had applied for something in my name. according to the FCRA ( Fair Credit Reporting Act ), legally these unverified & unauthorized items MUST be removed. 
Company -- -- -- -- -- -- -- Date -- -- -- -- -- -- Authorized/Unauthorized -- -- -- -- -- XXXX. XXXX XXXX XXXX unauthorized XXXX. XXXX XXXX ( Bank ) XXXX XXXX  unauthorized 3. XXXX XXXX XXXX XXXXXXXX ( XXXX ) unauthorized XXXX. XXXX XXXX ( Bank ) XXXX unauthorized XXXX. XXXXXXXX XXXX XXXXXXXX XXXX XXXX Bank XXXX XXXX unauthorized XXXX Bank ( Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX unauthorized XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX unauthorized XXXX. XXXX XXXX ( XXXX ) XXXX unauthorized XXXX XXXX ( XXXX ) XXXX unauthorized XXXX. XXXX XXXX XXXX unauthorized XXXXXXXX XXXX XXXX XXXXXXXX unauthorized XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX unauthorized XXXX XXXX XXXX XXXX unauthorized XXXX XXXX XXXXXXXX XXXX  XXXX XXXX unauthorized XXXX. XXXX XXXX XXXX XXXX unauthorized XXXX. XXXXXXXX XXXX XXXXXXXX unauthorized XXXX. XXXX XXXX XXXX unauthorized XXXX. XXXX XXXX XXXX XXXX unauthorized XXXXXXXX XXXX XXXX XXXXXXXX unauthorized
Product: Student loan

I have been working with Fedloan.org to certify my employment ( which has been the same since 2006, with the State of Michigan ). Now that I am getting closer to meeting the requirement to have my student loans forgiven, all of a sudden they can not accept my employment certification. This is causing more that a year of months not to count toward the XXXX. Their reason for not accepting the employment certification is that they saying it is not a valid signature from HR present. That that signature is 'typed ' and not a 'wet signature '. When I contacted HR for the State of Michigan, the indicate that what they have provided to me meets the 'wet ' signature requirements posted on the website at fedloan.org. In addition, they informed me that they complete hundreds of these form all of the time for employees and have never been told that they will not accept them. So I am not sure why mine is different. HR has completed two forms and fedloan.org will not accept them, which leads me to believe they are just looking for any reason to prevent me for qualifying for the XXXX. This is not fair. Please help.
Product: Debt collection

If a consumer notifies a debt collector that the consumer refuses to pay a debt the debt collector must cease all communications. 
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX  ) XXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.
Product: Credit card or prepaid card

My Visa card number was used fraudulently to make two purchases from an unidentified XXXX vendor on XX/XX/2021, and Bank of America has twice rejected my fraud claim. It will not reveal the address where the items or service supposedly were delivered, nor the name of the recipient. I have not shopped on XXXX in more than a decade, have received nothing from an XXXX vendor, nor ordered anything for a third partyyet have no way of proving something I didnt do. Meanwhile BOA wont supply any documentation of this transaction. Following is the chronology : XXXX XX/XX/2021 : Two separate fraudulent charges were made to an unidentified XXXX vendor using my Bank of America ( BOA ) Visa card. The first ( reference # XXXX ) totaled {$200.00}. The second ( reference # XXXX ) totaled XXXX. 

XXXX XX/XX/2021 : I noticed the fraudulent charges on my BOA statement and contacted the BOA representative identified as XXXX from Tennessee, who opened a fraud claim. 

XXXX XX/XX/2021 : BOA issued a letter stating it has not approved the claim, citing only that the merchant ( unidentified XXXX vendor ) provided documentation confirming that I received the merchandise or service. Perhaps due to postal service delays, the letter did not arrive for about 10 business days. 

XXXX XX/XX/2021 : After multiple transfers to the wrong department and long wait times at each, I spoke with the BOA representative identified as XXXX from Texas. As with all the other times I contacted BOA about these charges, I told him that I havent shopped with XXXX in a decade or more. XXXX looked at my transaction history and verified this is true ( disputed charges being the exception ) it does not match my shopping patterns. I told him Ive received nothing from an XXXX vendor as asserted by the BOA letter. I asked to whom the merchandise or service was addressed ; was it addressed to me? And I asked to which address the merchandise or service was deliveredwas it my residence? He said that neither he nor I can communicate with anyone in the investigations department and that he is not able to see the notes made in the investigation. He described the investigations department as a black box. Therefore he could not answer my questions. He offered to ask BOA to reopen the investigation and suggested I file a police report, then bring it to my local BOA branch, where an employee would fax it to the investigations department. I asked him to reopen the investigation, and I did file a police report. The police department did not make a copy available to me until late the afternoon of XX/XX/2021. Since the BOA branch was already closed, I brought it to the branch the next day, XX/XX/XXXX, and an employee said she would fax it to the investigations department. 

XXXX XX/XX/2021 : BOA issued a letter rejecting the claim a second time, again stating that the merchant provided documentation confirming I received the merchandise or service. BOA provided no additional information.
Product: Mortgage

Our family has been hit hard tremendously by XXXX XXXX. We have XXXX XXXX who had XXXX and one was in and out of the XXXX  and XXXX suffered long term long damage. In XXXX of 2021 my XXXX and I both XXXX  XXXX  with in a week of each other and we're hospitalized. I XXXX  my job ( a job that has still not reopened and had to take a job for a quarter of the pay ). I have sent my application for assistance in 2 times. Each time wells Fargo XXXX XXXX me applications I returned all my paperwork in the enclosed envelopes. The first time being told they didn't have it and you're do it. I did the paperwork again. Only for them to send our mortgage to a foreclosure attorney. The reason being is while we were on a deferral the mortgage " matured '' and we'd have to pay over XXXX dollars in a lump sum. Why would you continue to defer a mortgage and not notify us that by doing this and the mortgage maturing a large lump sum of money would be due. Since not hearing anything from Wells Fargo I have since applied for state help. Which Governor XXXX just opened up to the public on XX/XX/XXXX. How can you foreclose when the state I live in just started the application process for funds to be applied for for help?? Which my family is absolutely a candidate for as we are a family of 4 who earns way under XXXX dollars which is the amount needed to quality. If wells Fargo team our tax records which they requested they would see this. See we had a huge drop in income from previous years.
Product: Checking or savings account

On XX/XX/2023 Bank of America received a request for a dispute that I, myself did not make for a total of XXXX USD. 
One was for XXXX for XXXX XXXX XXXX The second was for XXXX also for XXXX XXXX XXXX. 
The third was for XXXX for XXXX XXXX XXXX XXXX The fourth was for XXXX for XXXX And finally a fifth for XXXX for XXXX 
They have charged my account causing it to go negative. Severely incovieneceing me and my family
Product: Vehicle loan or lease

I have a fraudulent auto loan reporting on my credit that I did not apply for nor give anyone else permission to do so. I have never conducted business with this particular company under no circumstances. Someone apparently has gotten a hold to my personal information and took it upon themselves to conduct frivolous activities. I have reason to believe that I am a victim of identity theft based on the evidence I have gathered.
Product: Credit reporting or other personal consumer reports

The address on file XXXX XXXX XXXX XXXX XXXX, DE XXXX is not my address and I would like to get it removed from my account immediately. 

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. It has been 30 days and you are in XXXX of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! These accounts should not be furnished on my consumer report as they are in XXXX!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( XXXX ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer lam demanding the deletion of the accounts listed IMMEDIATELY!
Product: Money transfer, virtual currency, or money service

In XX/XX/year> I submitted a claim for {$600.00} from my checkings account. Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was not possible and there was nothing they could to do help me with this problem.
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 imes and reporting discrepancies, my financial institution and Zelle failed to nvestigate my claims adequately. They nformed 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX, and upon checking my most recent credit report, I noticed that the Credit Bureau is continuously reporting accounts with erroneous information. This is a massive violation of the Fair Credit Reporting Act. I have already addressed them with regard to this issue and I have not received any response from them until this date. 
XXXX XXXX Balance : {$560.00} XXXXXXXX XXXX XXXXBalance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXBalance : {$0.00} US DEPT ED XXXX Balance : {$1300.00} US DEPT ED XXXXBalance : {$510.00} XXXX XXXXXXXXBalance : {$0.00} XXXX  XXXXBalance : {$0.00} XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX ) XXXX Balance XXXX {$1300.00} USDOE/XXXX XXXXXXXX Balance : {$0.00}
Product: Consumer Loan

My account was paid off and refinanced with a different finance company. The finance company overpaid what was owed on the account. I 'm being told that the over payment will be returned to me in 30-45 days from XXXX XXXX 2015 to make sure there are no liens and paperwork is taken care of. I honestly do n't believe that to be an acceptable time frame for this to happen.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following items continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these items must be verified ( A ). I will bring legal action against you if you do not verify these items. To help this situation be settled as quickly as possible, kindly uphold the law. 
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
Product: Credit card

On XX/XX/XXXX, I pre-purchased skiing lessons from a company called XXXX 'XXXX  XXXX XXXX XXXX. XXXX 'XXXX  XXXX XXXX then reached out to me on XX/XX/XXXX before the date of the lessons to tell me that they would not be open on the dates of my travel, and on XX/XX/XXXX the company told me they would refund my money. However, the company only refunded {$XXXX} out of the {$XXXX} that I paid for the lessons. I called USBank XX/XX/XXXX to dispute the remaining {$XXXX} that was still charged to my card. USBank initially reversed the remaining transaction, but on XX/XX/XXXX, I noticed my card was charged that {$XXXX} again. When I contacted USBank again by phone, I was told that I should have received some sort of affidavit to complete and return by mail, but I had not and the rep told me they would resend it and open an escalation. On XX/XX/XXXX, I called again because I still had not received any paperwork from them, and I was told to keep waiting for it to come in the mail. As of today, I still have not received any paperwork that to fill out, and USBank still has not corrected the charges because of that missing paperwork.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX  XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX Balance : {$450.00}
Product: Debt collection

I received a letter that had my husband name on it and I call EOS CCA and I told them I received a letter and found out it was for my step son ( they have the same name ) and I was told that I had to return the letter and they refused to make the address as a bad address and then I ask to be transferred to a supervisor and was hung up one