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

I opened a dispute against Upstart Network regarding the violation of my federally protected consumer protected rights and the requirements of the FCRA, that the company failed to comply with. 

As per the company 's own arbitration agreement, in instances where a dispute arises, this must be handled through binding arbitration, the company did not do such a thing. 

As per the company 's own terms and conditions, they will not sell my information to any third parties, which they did when they sold my information to the various consumer reporting agencies, without my written consent. I did not receive the XXXX XXXX XXXX XXXX disclosure, as necessary by XXXX XXXX. 

I requested all accounting history related to this account, from account opening until account was closed.
Product: Money transfer, virtual currency, or money service

Zelle is refusing to refund a substantial amount of money from a person I dont know at all. Clearly fraud. Im demanding a total refund.
Product: Mortgage

1. I closed my loan with Loandepot on XXXX XX/XX/2019. I had talked to XXXX XXXX about refinances and they gave me a better loan rate. I sent a e-mail to Loandepot on XX/XX/2019 telling them that I wanted to cancel my loan application by e-mail. I mailed the notice of right to cancel on XXXX XX/XX/2019, by US Mail, on XXXX XXXX I checked the tracking number and it had arrived before the midnight deadline. Loandepot claim they did not receive the e-mail or the letter, that the post office stated that it was had been delivered when I checked the tracking on XXXX XX/XX/2019. They claimed that they did not receive either. XXXX XXXX pnone XXXX, Was the one that started my loan, Lendind Officer wasXXXX XXXX XXXX account Mgr. XXXX XXXX XXXX Account Manager. The first time I found out that they had paid the balance of my account off was when I logged on to XXXX site.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX chime open a credit builder account and begin reporting to all 3 credit bureau. I was also able to connect XXXX XXXX XXXX within the chime app. 

Around mid XX/XX/XXXXXXXX XXXX XXXX XXXX  was disconnected from chime and I was never able to reconnect it, then Chime credit reporting was removed from XXXX. That resulted in my credit score taking a nose dive back to XXXX XXXX I have been trying for months to resolve this manner and both parties Chime and XXXX are pointing fingers. When I call chime they say that they are accurately reporting to all 3 bureaus and I can say that XXXX and XXXX is still being reported not XXXX. 

The failure of XXXX  to try to resolve this manner and I dont know what else to do. I am a XXXX  mom who is experiencing homelessness with a child that is XXXX  and many the rental use XXXX to run their reports. 

I have contacted XXXX  on XXXX, XXXX, XX/XX/XXXX, XXXX to come to a resolution and so far nothing. I was giving a case # XXXX. 
I dont know what to do when both parties chime and XXXX  feels its not their issue and I am stuck in the middle trying to resolve the issue and cant seem to do so because merit parties want to accept responsibility and resolve the manner. 

Chime saying they ate reporting and XXXX says they are not reporting and when I asked them how is it that I saw it on my report and then its not on their. My only mistake was not capturing a screenshot of it. 

I have attached screenshots of what my XXXX score looked like when XXXX was reporting and what it looks like since chime builder been removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, XXXXXXXX XXXX  Account # XXXX and XXXXXXXX XXXX XXXX  XXXX XXXX # XXXX have violated my rights. 

15 U.S.C 1681 section 602 A : States that I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : Also states that a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

XXXX ncb is reporting a time barred debt opened on XX/XX/year> this should not be on credit please delete and update my information to report accurate information which is my right under fcra.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5- -1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the informatin requested from the list of acceptable itms which only XXXX are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Product: Credit reporting or other personal consumer reports

Delete hard inquiries below off my credit profile immediately XXXX Inquired on XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX TRANS UNION Inquired on XX/XX/XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX  Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquired XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Wells Fargo attempted to charge an account that I did not ask them to charge and that had been closed for over XXXX years. On XX/XX/XXXX I made an online payment of {$500.00} from my XXXX XXXX checking account ( XXXX ) to my Wells Fargo credit card. On XX/XX/XXXX Wells Fargo sent that {$500.00} back to XXXX XXXX ( " adjusted payments '' ) and they charged me a {$29.00} fee for a " returned check. '' I got an alert from Wells Fargo that same day that they had received information that my XXXX XXXX account was no longer active. They showed the account number ( XXXX ) that account had been closed since XX/XX/XXXX. My XXXX XXXX account shows confirmation that I sent the {$500.00} from my currently open checking account. I complained to Wells Fargo, they said they will return the {$29.00}. XXXX XXXX has provided me documentation to show that the account was closed in XXXX and I have taken screenshots to show that my open account was used to send the payment. Wells Fargo said that they opened an investigation into the issue. Due to Wells Fargo not properly processing my {$500.00} payment, I went over my credit limit. 

While I spoke with Wells Fargo representatives, they repeatedly suggested that I had typed the wrong account number.
Product: Credit reporting or other personal consumer reports

After recently reviewing my credit reports. from the following credit reporting agencies Equifax, XXXX, and XXXX I noticed unauthorized credit inquiries. I did NOT authorize the following inquiries listed below. These were not obtained with my consent. Please delete immediately.This is a violation of my rights as consumer as well as identity theft.according to The Privacy Act of XXXX prevents federal agencies from releasing records that contain personally identifiable information without the individual 's written consent. and 15 U.S. Code 1681b - Permissible purposes of consumer reports ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
And i did not give any written consent XXXX XXXX ; inquiry date ; XX/XX/XXXX XXXX XXXX XXXX XXXX  ; XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX This is a violation of the privacy act of XXXX as well as my rights as a consumer
Product: Credit reporting or other personal consumer reports

Dispute Of Inaccurate Reporting of Late Payment on my credit report relate to the following account : XXXX XXXX ACCT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Request for Incorrect Late Payments under the FCRA, specifically 15 USC 1681.

I am writing to dispute an incorrect late payment report on my credit report, specifically in regards to the accounts referenced with XXXX XXXX XXXX XXXX XXXX 
Upon thorough review of my credit report, I have identified discrepancies in the reporting of these accounts. To the best of my knowledge and records, I have consistently paid these accounts on time and in accordance with the agreed-upon terms.

Violation of the Fair Credit Reporting Act ( FCRA ) : Under 15 U.S.C. 1681 ( a ) ( 2 ) ( A ) ( i ), my consumer report should not contain information solely as to transactions or experiences between myself and your company. Payment history, particularly late payments, negatively impacts my consumer report and constitutes a part of such transactions and experiences.

Additionally, under 15 U.S.C. 1666 ( b ), I request documentation of the reasonable procedures you have in place to ensure that periodic statements are mailed to me no later than 21 days before the payment due date. This documentation should include all information required by 15 U.S.C. 1637 ( b ) regarding the contents of such statements.

Reference to PAANL ( Paid As Agreed Never Late ) : The terms of our agreement have consistently been adhered to. Therefore, the account should be reported with a status of " Paid As Agreed Never Late '' to accurately reflect my timely payments. Any deviation from this status misrepresents my financial responsibility and commitment to fulfilling my payment obligations.

Request for Proof : To validate the reporting of late payments on these accounts, I request the following : Documented proof supporting the claims of late payments, including dates, amounts, and any relevant communication.

In the absence of valid proof, I demand that these accounts be promptly updated to reflect their accurate status as " Paid As Agreed Never Late. '' Request for Timely Investigation : In accordance with the ( FCRA ), I request a thorough investigation of this matter and a written response within 30 days of your receipt of this letter. Failure to adhere to this timeline will be considered a violation of the ( FCRA ).

Please treat this as a formal dispute under the ( FCRA ). If the inaccurate reporting is not corrected or a satisfactory resolution is not provided, I may escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) or take legal action to ensure compliance.

Thank you for your prompt attention to this matter. Please confirm receipt of this letter and provide a written response with the results of your investigation. If you require additional information, I can be reached at XXXX Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Experian had a data breach under law 15USC1681 Right to Privacy Act I am able to delete my credit report. I was on a fraud alert for XXXX year due to someone trying to open a credit account in my name. The are still many accounts that I no longer have due to XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute with XXXX  XX/XX/XXXX Report # XXXX in reference to my car loan with PNC bank. I filed bankruptcy XXXX and signed a reaffirmation for repayment. My payments are current and up to date. PNC bank refuses to report my payments to the credit bureaus. I provided my payment history and a copy of the reaffirmation to XXXX. XXXX  reached out to the lender which they confirmed the information is correct but still no changes made to my credit report. I even spoke to a Supervisor at XXXX  who explained to me that if a creditor doesn't report it, they can't make them regardless if they're taking my payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

there is a fraudulent account on my credit report and i will like it deleted immediately, find attached the FTC Report. 
Thanks
Product: Student loan

I contacted Earnest, the loan company that current holds my private loans taken out for my education at the now defunct XXXX XXXX XXXX XXXX XXXX. I attended from XXXX. My Federal loans have been XXXXischarged due to flagrant, persistent and malicious misconduct by the school in question. I reached out to Earnest, because I do not believe I should have to repay my student loans taken out privately when the Federal government has determined their loans should not have to be repaid. The response from Earnest was laughable and pathetic : " Our records show that you refinanced with Earnest in XX/XX/2019. The payoff information from your original loan shows that it was a Private Loan that was serviced by XXXX XXXX. Unfortunately, your loan would not be eligible for consideration for discharge through Earnest given that it is a private refinance loan and not a loan directly for attendance for a school that may have engaged in misconduct. You may wish to consult an attorney about any rights you may have to loan forgiveness or other relief programs. '' Essentially they are saying that since it was a private loan, and I can not show it was used for my education at school, they are not obligated to even discuss discharge options with me. It would be incredibly easy given modern technology to prove what the funds were used for and when. I am extremely unsatisfied with their answer and I wish to pursue this further. I do not believe I should have to repay my loans for this schooling when the Federal government has publicly stated they are discharging loans for fraudulent and malicious behavior. As well, I am post class in the XXXX XXXX vs. California settlement, where a judge ruled in favor of the students who attended many for profit colleges ( including mine ), and were intentionally misled about the education they would receive and the loans they had to take out to complete it. 
The fact that Earnest won't even attempt to back track and see what the funds were used for ( oh and by the way, my loans used to be held by XXXX, Earnests parent company!! ) is ridiculous. I would like to discuss my options with someone to see what can be done moving forward. I have the litigation to back up my reasoning, and I'm not sure how to apply it to the situation in a meaningful way. Help would be incredibly appreciated! 

Thank you, -XX/XX/XXXX
Product: Debt collection

I humbly ask that under the new law passed XX/XX/2022 concerning medical debt under {$500.00} that my collections debt of {$130.00} account # XXXX from Wakefield & associates be removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

The consumer is here to dispute any alleged claims that you are now listing as a consumer debt on the consumer 's credit report as a federally protected consumer.

In accordance with the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ), the Consumer is asking you for validation ( FDCPA ).
Product: Credit reporting or other personal consumer reports

RE : XXXX  Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 



XXXX. XXXX XXXX  XXXX - XXXX XXXX. XXXX XXXX - XXXX XXXX. XXXX - XXXX XXXX. XXXX XXXX XXXXXXXX - XXXX XXXX. XXXX XXXX - XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/2023 Please block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter.
Product: Credit card or prepaid card

This is my second time to contact the CFPB over a disputed charge with my Citibank credit card. The first time I made a complaint with CFPB, it was because for months, I was disputing a charge of of {$1800.00} while Citi was investigating a totally different and unrelated charge and maintaining that the unrelated charge was valid. I messaged Citibank repeatedly, and it was as if they were not even reading my messages. I would get back form-letter emails saying some other unrelated charge was valid. Only after contacting the CFPB and getting assistance, did Citibank finally even address the actual charge I was disputing. 

That being said, addressed might be the wrong word. Again, it's as if they do not even read the messages I write to them. Their replies never address or acknowledge anything I have written them about. 

As it stands, I am being charged {$1800.00}. This charge ended up on my credit card on XX/XX/2019 when I visited XXXX XXXX XXXX in XXXX. Currently, Citibank claims the charge is valid because they have a " signed receipt. '' Additionally, they tell me the the card was physically present for the charge. 

I am attaching a copy of the " signed '' receipt provided to me by Citibank. The signature is not mine. It is an absolute forgery, just a bunch of squiggles at the top of the paper. Also, there are two sheets provided, and they seem to show different dates. This seems odd to me. I noted it too on the attached file. 

Citibank says that my card which has a chip on it was present for the charge. My best guess is that I was taken advantage of, perhaps by an employee or some person in on a scam, by running my actual card without my knowledge. I am certain that this is a scam of some sort by the fact that it is not my signature at the top of the receipt given to my by Citibank. 

I don't know what to do at this point. I have gone back and forth with Citibank for months, and their total incompetence at researching something wholly unrelated was only resolved after contacting CFPB. Now, Citi tells me the charge is valid and when I reply to Citi that the signature they provided is a forgery, they don't even acknowledge it. It is as if they are simply not even reading my messages. History has shown they surely do not. 

One more thing I find strange. As a matter of general practice, I checked my credit card online before leaving XXXX and saw no major pending purchases. It wasn't until I got home that I saw this charge appear, as if it were delayed on purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/XXXX, but I never received a response from them. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Mortgage

MrCooper XXXX XXXX XXXX XXXX XXXX, XXXX CA XXXX XXXX XXXX This short sale has been open in XXXX since XX/XX/XXXX over 2.5 months ago. On XX/XX/XXXX we received a counter offer from MrCooper. On XX/XX/XXXX we sent a HUD and addendum showing the buyers agreed to the counter offer from MrCooper. 

Since then MrCooper HAS DONE NOTHING. No one will respond to us in XXXX We are being IGNORED by the negotiator and management. Today we finally found out that THE BUYERS ACCEPTANCE OF THE COUNTER HAS NOT EVEN BEEN SUBMITTED FOR APPROVAL. 

*************ITS BEEN TWO WEEKS AND NOTHING HAS BEEN DONE!!!!!!!!!!!!!!!! 

This is NOT Acceptable. The rep we spoke to today said something about restructuring and it is clear MrCooper is UNDERSTAFFED AND MrCooper is NOT ABLE TO SERVICE THEIR LOANS. 


I want an immediate status of the approval letter, without further delay or paltry excuses.
Product: Vehicle loan or lease

I leased a new car through GM Financial about 2 years ago. I planned to make payments by auto pay from my checking account as I always do for repetitious payments. In order to set up auto pay, other companies have always asked me to send them a voided check. GM did not work that way and instead asked me to read to their representative the routing and account numbers from the bottom of my checks. Because I am not knowledgeable about the banking system, I mistakenly read ALL the numbers, INCLUDING THE CHECK NUMBER. The GM rep did not point out any error, I concluded the auto pay setup and the call. I assumed that all was set up and that my payments were being taken from my account monthly. Several months later, I received a late payment notice with late fees and an invoice for several months rental. I called and spoke with another GM rep and gave that person my check numbers again, and the same sequence of events occurred. This scenario continued throughout my entire 2 year lease. None of the reps mentioned that I had read them too many numbers or the fact that the last 4 digits were different each time I read them out ( since they were the check numbers ). The outcome of all of this is that GM sent a poor credit report to  XXXX that lowered my credit score by about 300 points.  I have always taken great pride in my high credit score and complained to GM that their poor report was not warranted because my intent was always to pay on time. The only problem, which should have been caught by the GM reps, was my lack of knowledge of the banking system and their refusal to take a voided check. When I appealed, they responded like robots, saying that, because they did not make an error, they would not withdraw the poor credit rating they had sent out.
Product: Credit reporting or other personal consumer reports

I

see this account is still not remove. Please delete.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 an account without my written instructions. These accounts are identity theft. Please delete.
Product: Debt collection

Accounts : Radius global XX/XX/XXXX {$160.00} Inquiries : XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX These inquiries and account are in violation of 15 usc 1692g under section 5 ( b ). The account and inquiries are a result of fraud and identity theft and by law must be removed since they can not be legally validated. As the consumer and original creditor I do not validate or own these fraudulent items on my credit report. I have contacted XXXX  about reporting these items on my credit report and they were vague and dismissive.