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

My account with XXXX XXXX and i 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 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 MONTHS REPORTING 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 21 days before the payment due date. This company 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!
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX XXXX XXXX  XXXX XXXX Opened XX/XX/XXXX Balance {$1700.00} XXXX XXXX XXXX XXXX XXXX, XXXX Balance {$12000.00}
Product: Credit card

Capital one changes how they allow you to make credit card payments without warning. They use to allow you to use your debit card as a way to make payments which was instant and hassle free however they got rid of the option of paying with a debit card without warning and now I have to wait 1-3 business days for payments to post which makes manage the money in my bank account annoying because I always have to remember I'm waiting for my payment to capital one to come out. I feel like they did this purely so they could get more interest payments out of me or so I'd have to deal with check bouncing fees associated if I forget I'm wait on the payments to come out my account. It'd be one thing if the payment went immediately into pending status on my bank account but it doesn't.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I sent the necessary documents in FEDERAL TRADE COMMISSION or https : //www.ftc.gov, So I am here to notify/complain to the 3 bureaus directly through this platform. Here are the items that are erroneous in my file and need investigation : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX WA XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Balance : {$880.00} XXXX XXXXXXXX Balance : - XXXX XXXX  ( Original Creditor Name XXXX XXXX XXXX XXXX XXXX  Balance {$810.00} XXXX XXXX ( Original Creditor Name XXXX XXXX XXXX ) XXXX  Balance : {$29.00} XXXX XXXX  ( Original Creditor Name XXXX XXXX XXXX XXXX XXXX Balance : {$560.00} XXXX XXXX  XXXX Original Creditor Name XXXX XXXX XXXX XXXX XXXX Balance {$630.00} XXXX XXXX ( Original Creditor Name XXXX XXXX XXXX XXXX XXXX Balance : {$190.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have XXXX along with XXXX at XXXX XXXX since XX/XX/XXXX at which day failed to provide me with information on the income based repayment program as well as Ombudsman group advise them to remove all credit reporting on payment history prior to my bankruptcy on XX/XX/XXXX and they still after 2 years of complaints have failed to do so which is causing a negative effect on my credit bureau as well as fifteen years now in late fees repayment for XXXX 's deferment they never once advised me of the option of income based repayment program which makes my account balance a XXXX amount owed every month due to the fact of being a single mom of XXXX children. So I want to file an official complaint against baby and in regards to never vitamin all information which could have assisted in repayment options for the last 15 years as well as increase balances of {$5000.00} in the last 15 years as well as late fees and they refused to advise me of the information in regards to trying to include myself in the mass litigation against XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was checking my credit report and I noticed a few inquiries on my credit that I did not authorize. I noticed the issues yesterday while checking my 3-bureau credit reports through XXXX. I also noticed an account that appears to have been paid off or dismissed, but it is not an account that I authorized to be open. 

Accounts : XXXX XXXX XXXX - acct # XXXX - date owned : XX/XX/XXXX Medical Business BureaXXXX acct # XXXX Date opened : XX/XX/XXXX Medical Business Burea- acct # XXXX Date opened : XX/XX/XXXX Inquiries : XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX US Sm Bus Admin XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There are accounts, addresses, names and inquiries that are not mine.
Product: Debt collection

I contacted company and requested a debt validation. Was immediately met with anger and disrespect. Mrs. XXXX abruptly ended call. 
Three weeks later she contacts my son concerning this same debt. 
Failed to provide requested information in full. Wrote company again but no response.
Product: Credit reporting, credit repair services, or other personal consumer reports

My social security number, drivers license and business ID was illegally used by my sister and husbands tax preparer for their personal gains. I paid him XXXX XXXX dollars on XX/XX/XXXX to help get me some type of aid and assistance that will help my business thrive without the stress of constantly working XXXX hrs a week. Throughout that process of waiting, my fiancs brother stole my wallet not even six months later, due to his lack of accountability in our friendship. I have XXXX growing sons that I work hard to keep out of the realms of the vanity that exist this world. Crazy thing is once I told him No for the first time he steals my wallet and piles onto the compile of defrauding the XXXX and other lenders for illicit. I finally checked my credit score and noticed an extreme amount of inquiries. Just received a business credit report just to see my tax were altered from XXXX til now. Help please.
Product: Bank account or service

We have a small business as a gallery for 55 years. Wells Fargo provides my merchant credit card services. Wells Fargo overcharge for the monthly interchange charge. I asked Wells Fargo to verify the formula they use and return the excess money charged. This was done in writing and they closed my case without resolution. I am XXXX years old. Please help.
Product: Debt collection

I checked my credit report via credit karma and credit karma showed a new creditor had been added on my report on XXXX XXXX that i owe money from an opened account on XXXX XXXX for XXXX $ by law office of mitchell D bluhm and reimbursement technologies when no such debt was made. I have not done any business with anyone to have generated this account. It must be removed immediately for it is in error
Product: Mortgage

I XXXX XXXX received a notice from XXXX around XXXX XXXX. 

This letter i docT XXXX an amended complaint to add Legal Trust BY US Bank Ntional Assocition Personal Representatives vs XXXX XXXX et al. 

I am the alleged investor where I own these investments as 3rd party beneficiary thorugh my ownership through XXXX, and my barcley shares and through XXXX XXXX XXXX and XXXX. 

What the problem is these investments are unsecured debt and that is supported with my claims with the IRS Criminal Division which are attached dated XXXX XXXX, XXXX. These assets were backdated and never funded the trust and would be subject to 100 % tax penalty and there are multiple servicers. 
That is supported with the XXXX XXXX letter dated XXXX XXXX, XXXX where XXXX is the servicer and another letter from XXXX XXXX dated XXXX XXXX, XXXX from XXXX XXXX where XXXX is the servicer. 

XXXX XXXX did assignment on XXXX/XXXX/XXXX where she backdated the assignment not complaint to the tax code to fund trust XXXX CFR XXXX XXXX REPORTING WHICH IS GOVERNED BY NY LAW AND FORM XXXX FROM ORGINATION OF TRUST TO THE TRANSFERS TO DATE FORM XXXX FILLED XXXX/XXXX/XXXX XXXX XXXX XXXX FORM XXXX FILLED XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX AL FORM XXXX FILLED XXXX/XXXX/XXXX XXXX FORM XXXX FILLED XXXX/XXXX/XXXX MERS THERE are multiple mortgages on this house unsecured debt and supported by the XXXX XXXX case. 

this matter is being disputed under the fdcpa i need complete history under qwr and diligent inquiry and any forced placed insurance and distued under sox act sec XXXX and other sttures ture act as me being an investor and the trustee indebture act and filling false and misleading states i also must point out i am the expert under rule XXXX and sincece where such assignments are not produced are admission of guilt under XXXX v. Texas. since a fiduary responsibility is required to file such tax forms and you now know these debts are unsecured qnd sending false and misleading information is allegedly mail or wire fraud. I also did receive credit offer from XXXX XXXX which is on file with the CFPB already. The amounts are false and misleading as well and possibly forced placed insurance.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is incorrectly reporting a collection account from XXXX XXXX XXXX on my credit report. I have disputed this account on numerous occasions and the company has yet to respond or produce any evidence to validate said debt. I sent a 609 letter to Experian on XX/XX/XXXX along with my ID in an attempt to get this matter resolved. The collection was not removed nor was any evidence produced to validate the debt. I called Experian on XX/XX/XXXX to once again, in an attempt to have this fraudulent and incorrect account removed from my credit report as I am in underwriting for a mortgage and i can not move forward with the process until this matter is resolved. I was then advised to make a claim with CFPB because the company would keep reporting the debt. Under FCRA 15 U.S.C 1681i, all unverified accounts must be promptly removed. They were unable to provide me with a copy of the verifiable proof that this was in fact a valid debt within 30 days of my request therefore they must remove XXXX XXXX XXXX acct # XXXX permanently and immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am interested in disputing all inaccuracies on my credit report with Transunion.
Product: Debt collection

Dear TransUnion, I am writing to dispute the fraudulent XXXX XXXX account currently appearing on my TransUnion credit report. 
This account is not mine and is the result of identity theft. I am invoking my rights under the Fair Credit Reporting Act ( FCRA ), specifically 605B ( 15 U.S.C. 1681c-2 ), which requires credit reporting agencies to block fraudulent information resulting from identity theft. 

Fraudulent Account Details : - Creditor : XXXX  XXXX - Reported Balance : {$500.00} - Credit Limit : {$300.00} - Utilization : XXXX XXXX  - Date Opened : XX/XX/year> - Reported As : Needs Attention I did not open this account and did not authorize its use. I believe my personal information was compromised during a data breach, possibly involving XXXX XXXX or another financial institution. 

XXXX Grounds : Per FCRA 605B, you are required to block this fraudulent account from my credit file within XXXX business days of receiving this notice along with supporting documentation. Additionally, under FCRA 623, furnishers ( XXXX XXXX ) are prohibited from reporting information that is inaccurate or known to result from identity theft. 

Demand : I formally demand the immediate removal and permanent blocking of this fraudulent XXXX XXXX account from my TransUnion credit report. 

Please provide written confirmation of the removal. 

Failure to comply will result in further complaints filed with the CFPB, FTC, and State Attorney General, as well as consideration of legal action.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX XXXX I lost my job, and XXXX  XXXX my car. I tried my best to have the car reinstated, but I was unsuccessful. This repossession on my credit report killed my scores tremendously and I was unsuccessful obtaining credit anywhere. In XXXX and XXXX, I started working hard to catch up on debt, and reestablish myself so that I may become credit worthy again. I reached out to XXXX multiple times to try to find out what happened to the car because I did not receive anything from them explaining to me what was going to/what happened to the car They not only denied me access of buying back the car, they also never gave me the chance to reinstate the car. In XXXX of XXXX, I pulled my credit report and saw that the car was still listed as open, and in repossession. And Every month it reported as being late. I disputed the account with XXXX and the credit bureaus and according to them the account is reporting correctly. But how is this so when the account is reporting different data to each furnisher? How is this so when the car was repossessed over 5 years ago? Was it sold, Shouldnt it be listed as a charge off? And if its a charge off, should it be listing late payments? When did the late occur? And why is the balance still the same, was the car not sold? Who was it sold to? Is the account charged off? If so, why is my credit reports stating different? Every month the credit bureaus are allowing this company, XXXX to report inaccurate, incomplete, unverifiable information. The open date is inaccurate, the close date is inaccurate, the status is inaccurate, the payment history is inaccurate the balance is incorrect, the date of last payment is incorrect and the date of last activity is inaccurate and each of these categories is reporting different data to each data furnisher month after month after month. For many years. This company is updating incomplete, unverifiable, and incorrect information every month. I have disputed these unverifiable inaccuracies in writing, on line, and by phone with Transunion, XXXX, XXXX, and the company ; but yet these data furnishes still allow this company to destroy my credit worthiness by intentionally reporting incomplete, unverified, and inaccurate information every month for XXXX. This company is intentionally destroying my credit worthiness by intentionally violating the FCRA requirements by intentionally reporting incomplete, inaccurate, and unverifiable information. 

PLEASE HELP BECAUSE I HAVE SUBMITTED MANY DISPUTES BUT THE COMPANY AND THE CREDIT BUREAUS CONTINUE TO '' UPDATE '' THE ACCOUNT WITH INACCURATE, UNVERIFIABLE INFORMATION ALTHOUGH THEY CLAIM TO HAVE INVESTIGATED.
Product: Debt collection

Convergent Outsourcing just reported a {$400.00} collection account on my credit report. Prior to this account appearing on my credit report, I did not received notice of my right to dispute. And this is important, because I contest the charges.
Product: Mortgage

When my mortgage loan was taken over by the new servicing bank ( Fifth Third Bank ), I immediately signed up for electronic notifications via e-mail for new statements. That was XX/XX/XXXX and since then, I have never received an e-mail, text, or phone app notification when my statements were ready for viewing. I've repeatedly reached out to the company for resolution but have yet to be provided with any. Furthermore, the statements are generated on a random cycle without change to the payment due date. This leads to an unreasonably short window of time to make the payment for the amount listed on the statement. Below is a history of statements.

- Statement generated onlineXX/XX/XXXX for a payment due date of XX/XX/XXXX - Statement generated online XX/XX/XXXX for a payment due date ofXX/XX/XXXX - Statement generated onlineXX/XX/XXXX for a payment due date of XX/XX/XXXX - Statement generated online XX/XX/XXXX for a payment due date of XX/XX/XXXX - Statement generated online XX/XX/XXXXfor a payment due date of XX/XX/XXXX - Statement generated online XX/XX/XXXX for a payment due date of XX/XX/XXXX - Statement generated online XX/XX/XXXX for a payment due date of XX/XX/XXXX- Statement generated online XX/XX/XXXX for a payment due date of XX/XX/XXXX.

- Statement note yet generated for a payment due date of XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to formally dispute and demand the immediate removal of the following fraudulent accounts and inquiries from my credit report due to identity theft. These accounts were opened without my consent, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) to have these items promptly removed. 
I am also writing to formally notify you that I am a victim of identity theft and request the immediate blocking and deletion of all fraudulent accounts or information related to the identity theft, as authorized by 15 U.S.C. 1681c-2 ( a ). I became aware of the breach of my personal information through the Equifax data breach, which has exposed my sensitive data to unauthorized individuals. 
The following fraudulent accounts and inquiries have been identified as a result of this breach : Inquiries XXXX XX/XX/XXXX Collections Accounts XXXXXXXX XXXX XX/XX/XXXX Data breach happened, per 15USC 1681c2 please block and delete this item within XXXX business days
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX Creditor : XXXX Amount : {$890.00} Collection Agency XXXX XXXX Letter sent to my parents home address in North Carolina. This is my US address and I moved to XXXX with my husband and family in XXXX Sent all documentation of proof of my XXXX address, Passport, Permanent Resident Card, Utility bills and followed XXXX  ID Theft Claim Process as was advised Called all three credit agencies and out a fraud alert account Spoke to someone at FTC, but was not able to file a report or police report due to be in XXXX and no idea who has my Social Security number I was given information that the address was used XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX for the months of XXXX XXXX ( I have lived in XXXX, XXXX, since XXXX and bought my home in XXXX ) XX/XX/XXXX spoke to XXXX and was told it was cleared up, however, it still appears on my credit agencies list of debts and is affecting my credit rating. 
XX/XX/XXXX Creditor : XXXX XXXX Amount : {$650.00} Collection AgencyXXXX XXXX Letter sent to my parents home address in North Carolina XXXX I called XXXX XXXX and explained the situation, they asked me to fax over proof of my address in XXXX and ID documents etc, which I did. I also sent the XXXX information. 
XXXX XXXX made me aware it was the same address in XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX I thought I had taken all steps to recify this situation. I was not able to file a police report. I do not live in the US. I live in XXXX and it has been Covid. I have no idea who is commiting these crimes. I called all three credit agencies and the FTC and put all alerts on. However, in XXXX of XXXX, I just recieved a new collection notice. 

XX/XX/XXXX Creditor : XXXX XXXX  Amount : XXXX Credit Agency : XXXX XXXX XXXX XXXX A letter was sent to my parents house in North Carolina in XXXX, XXXX addressed to me. 
I called XXXX and they made me aware this was the SAME address in XXXX ... this person is still using my Social Security Number for over 2 years to open accounts. 
They opened XXXX XXXX on XX/XX/XXXX, XXXX XX/XX/XXXX. 
The address is XXXX XXXX  XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX I called XXXX and let them know. 

Can you please help me?? This is severly affecting my XXXX XXXX. I want to cancel my Social Security number.
Product: Credit reporting or other personal consumer reports

XXXX, XXXX, & LVNV Funding LLC are reporting an allege debt that they state I owe a debt that I do not. Just because a contract is transferred and assigned does not give you a right to collect and you have not received any judgement from a federal court. I did not receive a notice of my right to dispute this debt before it was added to my consumer report.
Product: Credit card

In XX/XX/2022, I requested a new credit card and new number. The replacement card was exactly the same ; and although nothing seemed wrong at first, Ive been unable to log into my account to pay bills online. I have called and written to regain access to my account but I have no online access. Ive had to request statements by mail, which has been problematic because there has been a significant amount of theft and mail tampering in my building.
Product: Credit reporting or other personal consumer reports

I need your help with an incorrect account that is being reported on my credit file. This issue has caused harm to my reputation, and I need your assistance. The errors in my credit report have led to serious consequences, and its vital that you fix them so I can move forward with my family.
Product: Credit reporting or other personal consumer reports

I regret to inform you that I can not accept your decision to dismiss my identity theft claim as an error or misrepresentation of material fact. It is concerning that you have taken it upon yourself to determine what qualifies as a material fact, especially considering that you do not hold the authority of a judge. 

According to the guidelines outlined by the XXXX, when an XXXX identity theft report is filed with a law enforcement agency, it is imperative to comply with the law. 

Here are the details of the following accounts in question XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I am willing to give you XXXX final opportunity to process my request regarding my identity theft. Failure to do so will leave me with no choice but to seek legal recourse in the courtroom, where you will be held responsible for the damage inflicted upon my reputation, credit, and emotional well-being as a result of this issue. It is highly likely that the significance of the material facts will become abundantly clear, and you will be required to compensate me for your negligence.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling disputes, particularly in the 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 tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only had neglected to protect consumers but also allowed repeat offenders to exploit the system, leaving users vulnerable to scams.