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

I applied for a checking account with both XXXX and XXXX XXXX XXXX on XX/XX/XXXX and was denied due to incorrect reporting of a fraudulent account that was proven to be fraud by XXXX Police Department. The police report number is XXXX. I disputed the information with XXXX XXXX XXXXXXXX but they have yet to delete the fraudulent account from my credit. I have a pending lawsuit against XXXX XXXX XXXXXXXX for incorrect credit reporting. 

The report sent to XXXX XXXX XXXXXXXX on both XX/XX/XXXX and XX/XX/XXXX : I stored my personal items at a friend 's house because I was XXXX for a few months prior to relocating to college in XXXX, XXXX. I went to XXXX XXXX XXXX on XX/XX/XXXX in XXXX, XXXX to be added to my aunt 's checking account as an authorized user and was told there was an account on my XXXX report from XXXX XXXX XXXXXXXX that was reporting fraudulent activity at an address I have never lived at ( XXXX XXXX, XXXX, XXXX ). I filed a police report in XXXX, FL, where I currently reside, because I suspect the tenant, XXXX XXXX of XXXX, GA, stole my identity, then used my information to open an account without my permission. The account was opened in XX/XX/XXXX, according to XXXX report. I attached my IG with my Georgia address, the only address I've ever lived. XXXX XXXX XXXXXXXX Replied stating they would not remove the account and expected payment because an individual walked into the bank on XX/XX/XXXX and opened an account with my ID. My ID and SSN card was stolen, as I stated above, and even after I provided XXXX XXXX with the identity theft criminal report case number from XXXX Police ( XXXX PD Criminal Report # : XXXX ) upon request, the account still has not been removed.
Product: Vehicle loan or lease

I was in a XXXX XXXXXXXX at the time this loan was obtained. With permission from my trustee. 
Exeter granted loan but would not provide any info, they said because I was in a XXXX. Although they were not any of the creditors involved. 
I had to file complaints to get any info. I prefer to email rather than call because they talk over me and push my buttons. I was told when the XXXX was discharged I would have access to my account. it was XXXX XX/XX/2021. 
My husband passed the end of XXXX and I requested a payment history and a pay off amount. 
Which after emailing XXXX XXXX - XXXX XXXX and filing a complaint with the Texas XXXXi got my info. 
Also, they lifted the restrictions on my account which I was unaware of, until I got a statement. 
I was behind because I had been trying since XXXX to get information. Next thing I know I. Getting nasty collections calls. 
A payment was payment to bring account current. But they wouldnt let me explain. 


Now Id like to refinance this car and getaway from this shady finance company, I cant because this loan is not reported to any credit bureaus. 

Is that legal to hide a loan?
Product: Vehicle loan or lease

I am having an issue with car hop/ universal aceptance. I have called the number but no one can find my accounts. My account that they say i havent paid keeps getting sold. Why are they still reporting on my credit after 7 and 9 year??? These items were open in XX/XX/XXXX and XX/XX/XXXX. Per regulations i seen with fair credit it should be off. Even though the company has sold the account these are old accounts!
Product: Credit reporting or other personal consumer reports

Ive noticed several unfamiliar items on my credit report that suggest my identity may have been stolen, as I did not authorize these accounts. I've raised this issue before, and Im now requesting the prompt removal of these accounts from my report. Their presence is causing me significant stress, as they misrepresent my true credit history and financial behavior. This situation has been challenging to navigate. If we can not resolve this issue quickly, I am prepared to take legal action to protect my rights and seek a solution. These inaccuracies are hindering my ability to achieve important financial goals, such as buying a house and supporting my family. I hope we can address this matter swiftly.
Product: Credit card

I've consistently made sure that payments on this account are made on time, never allowing them to become overdue. I'm uncertain about the reasons for reports of late payment remarks on my accounts. According to 15 USC 1666b - Billing Error should be corrected.
Product: Payday loan, title loan, or personal loan

FCRA 604 Permissible Purpose FCRA 609 Disclosures to consumers AD Astra Recovery is not licensed as a collection company in VA or MD
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive been a Barclays customer for several years ; this card is one that I no longer even have in my possession. 
A few months ago, when I called Barclays to get an updated card issued, they couldnt even look up my account. 
Then recently, Barclays charged me an annual fee and ended up marking me late when that fee was not paid. 
There has been no activity by me on this card. I had been travelling and did not have access to my mail. 
I had no ideal Barclays was going to put this annual fee on there. 
Upon returning I paid this fee off, but Barclays failed to remove the late payment. 
I was also not sent any notice of adverse reporting as required by law. 
I am requesting Barclays remove the XXXX late arising from this annual fee issue
Product: Credit reporting, credit repair services, or other personal consumer reports

My concern is incorrect information being reported regarding the following. 
Tradelines. According to 15 USC 1681 section 609 states the CRA can not provide incoreect or erroneous information. 

I have the right to privacy. 

15 USC 1681b permissible purpose section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without written instructions According to the statutes listed the first violation is privacy my transactions should not reported or furnished without my wrutten concent. 

1. DEPTOFEDXXXX ACCT NUMBER XXXX Last Activity XXXX XX/XX/2023 Experian XX/XX/2023 XXXX XXXX XX/XX/2023 Date Open XXXX XXXX Experian XXXX XXXX. XXXX Creditor type XXXX Miscellaneous Education Experian XXXX XXXX XXXX. Miscellaneous Finance
Product: Debt collection

Portfolio Recovery Associates, LLC began calling repeatedly demanding payment for a debt they claim I owe to them. I sent a demand for validation. I requested to see proof of contract between myself and this company. In response they sent information regarding XXXX XXXX. To the best of my knowledge I have not had any relations with XXXX XXXX. I am not sure if Portfolio Recovery Associates, LLC is trying to work with XXXX XXXX or if they are trying to pull a scam on me stating they are part of XXXX XXXX. Either way there is no contract between myself and this company.
Product: Credit card or prepaid card

I need your assistance regarding issue/problem with my credit card purchase on XX/XX/XXXX in which I disputed with my Citicard XXXX on XX/XX/XXXX. 

I am very dissatisfied with my credit card purchase on XX/XX/XXXX with XXXX XXXX XXXX. This purchased was made in my home state, Nevada. I purchased my home warranty in good faith for 6 years term and paid {$2300.00} up front. On XX/XX/XXXX, I called XXXX XXXX XXXX to cancel my policy. The reason for cancelling my policy is due to their inability to fulfill terms of their contract by not being able to find an authorized technician for a claim I reported on XX/XX/XXXX. XXXX XXXX XXXX is the worst Company I've ever dealt with. XXXX XXXX XXXX sent me an email dated, XX/XX/XXXX, confirming my policy was cancelled and on their email it stated, '' an applicable credit of fees will be issued to you within 15-30 days ''. 

On XX/XX/XXXX, I called Citicard XXXX  to dispute the transaction with XXXX XXXX XXXX for {$2300.00}. I called and sent numerous emails to Citicard billing dispute department requesting for a call back so we can discuss their outcome and findings and my concerns and no one is responding to my request. I have evidence that are compelling enough to reevaluate my case. The key to any business is communication and common understanding. 

I have tried in good faith to correct the problem and requested my refund with my Merchant ( Citicard ) and XXXX XXXX XXXX since XX/XX/XXXX but as of today XX/XX/XXXX, they are unwilling to issue a credit to my account. I have exhausted all resources available to me in resolving this problem with my XXXX and XXXX XXXX XXXX in which I have been repeatedly bounced back and forth. This frustration is causing much XXXX and time Your assistance is greatly appreciated.
Product: Credit card or prepaid card

I pay several hundred dollars a month for the Card Security benefit from Synchrony Bank. I lost my full-time job, and filed a claim for benefits. The terms say they pay your first 3 minimum payments every month and then cancel out your full balance. I have sent Synchrony Bank all of the information requested, and even applied for unemployment ( despite being knowingly ineligible due to school status and unemployment they insisted I file a claim anyway.It has been 130 days ( or 4 months, 7 days excluding the end date ) since my benefit initiation date and I am still unemployed. Despite numerous requests for my benefit to be processed I remain asking them to make a payment and cancel out any of my balance. I paid very high premiums every month on my retail balance and now they are disregarding my claim and refusing to settle it.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I told the XXXX, XXXX, and Equifax to reinvestigate these accounts : XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXXXXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

Also they aren't even in compliance with XXXX XXXX credit reporting. I have evidence to prove my case
Product: Credit reporting, credit repair services, or other personal consumer reports

An account from XXXX XXXX XX/XX/XXXXreported on my credit report without my knowledge from the credit bureaus. This ground for removal they also violated my rights under 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

How can RealPage/LeasingDesk deny my application for approval due to Fraud alert?

I thought Fraud alert meant you had your identity stolen .And nothing to do with getting credit approval. They are not following the law. Secondly they did not call me to see if it was me or an imposter. Again, not following the law. These people not obeying the law.

And XXXX has not corrected any of my credit report.

I dispute my credit report with Experian and they haven't correct. So XXXX is still using incorrect information from them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone has stole my identity and purchased a 2018 XXXX XXXX with Classic XXXX XXXX in XXXX, TX. The used Bank of America as their autoloan on XXXX XX/XX/2018 in the amount of {$50000.00}. 

I called the Bank of America on XXXX XXXX to dispute this action and they have no done any investigation on this yet. It was said they were going to report this higher and that they will give me a call 48 hrs later on their findings. 

I called the XXXX XXXX XXXX and they have confirmed that this was an identity theft when someone called in their store around a week ago of a person trying to sell this vehicle to them, but they notice that the name of the seller and name of person who owned the vehicle did not match. 

I have taken the steps in FTC to try and resolve these credit issues and fraud attempts. 

XXXX XXXX, I have filed a report to the XXXX Police Department on this. Report # XXXX
Product: Credit reporting or other personal consumer reports

XXXX has failed to fulfill its legal obligation under the fair Credit Report Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX has neither corrected nor removed disputed the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX 's inaction violates federal law and my rights as a consumer.
Product: Credit card

Received a email from Avant stating Your payment of {$150.00} scheduled for XX/XX/year> was canceled because of an issue with your bank account ending in Given this issue, we will not attempt future debits from this account unless you provide new bank account information by logging into your account online. 
Update Bank Account Made another payment and went through. Then I received this email Dear Avant Customer, You recently received an email with the subject Update Your Bank Account Today. This email was sent in error. Please disregard the email that indicated an issue with your external bank account being " bad ''. We apologize for any confusion or inconvenience this may have caused. 

Next Steps : -If you have already scheduled a new payment : No action is required on your part. We will not attempt to re-process your original payment. Your newly scheduled payment will proceed as planned. 
-If you have not scheduled a new payment : No action is required on your part. We will attempt to reprocess your original payment automatically. 

We apologize for any inconvenience this may have caused. Thank you for being a valued customer. 

Regards, The Avant Team XXXX XXXX They still made the payment asked them to stop one of the payments. They said too late. They can email the complete department
Product: Debt collection

XXXX XXXX  are currently handling my private student loans from Citibank. I recently became concerned with their service when they began requesting payment while I was still attending XXXX school. Based on citibank 's policy, All payments are deferred while in school. XXXX claimed there was a time limit regarding deferment but could not provide a written document supporting this. It was clear that this policy could not be substantiated. XX/XX/2020, I requested to have my promissory notes from all three loans currently being handled by XXXX XXXX in order to verify if the deferment policy was listed on my signed documents. I only received two documents and was told that one was a mastery note ( that regarded three loan pay outs ) and the other was for only one. However, later I was informed in a phone call ( XX/XX/2020 ) that three promissory notes existed and would be sent immediately. This would prove to be false and I was sent only the two promissory notes again. Upon reviewing the notes, I found that I had checked a box that stated 'MAKE NO PAYMENT WHILE IN SCHOOL '. Also, I saw that there was a discrepancy between loan amounts on promissory note and what was being charged by Citibank based on XXXX 's records. I believe I have been charged for an amount that I did not fully receive and therefore also charged interest based on a wrong principle amount ( original loan balance ). I will be attaching both promissory notes that I have a received and letter from XXXX that shows what principle ( or what should be original loan amount ) and interest they have on file.
Product: Money transfer, virtual currency, or money service

Logged into my account I have had for years ( since 2017 ) asking me to " validate my business ''. I have provided the information to them via the app, I have called " customer service '' countless times only to be hung up on by agents that do not fluently speak or understand English, and I have even reached out to their social media direct messaging with NO RESOLVE. This company lacks common sense. Any XXXX can XXXX  my business name and see we have a website. Or go to the XXXX XXXX XXXX site and do a simple search to validate the business. What makes matters worse, I have explained I have an existing loan with them and they can easily validate the same in their system. So someone please explain to me how you can not validate my account but I have an existing loan with you UNDER THE SAME BUSINESS. Consumers are so sick and tired of having to beg and plead for simple common sense to be used, all because companies want to outsource to XXXX XXXX XXXX call centers that are of no real use. This is ridiculous and rather annoying that I have spent hours trying to resolve something that is so trivial. Their XXXX  option for support is useless. When you call they are useless saying they will open a ticket but no one follows up.
Product: Debt collection

Hello, Upon reviewing my credit report I realized that THE CHILDREN 'S PLACE is being reported as a closed/charged off account. This is considered cancelled debt and can not be reported on my report. This company has filed this debt on their taxes and its still being reported. I never received a 1099C from THE CHILDREN 'S PLACE. This is a violation of 15 USC 1681eb. I demand that this inaccurate information be removed from all 3 credit reports.
Product: Mortgage

I XXXX XXXX is using the Consumer Financial Protection Bureau to file a notice with my mortgage servicing agent that I have a plan to pay off my mortgage in full by XX/XX/2020. I personally have experienced several financial set backs over the past year due to my employment issues. Even though those issues are now resolved, I have decided to sell my home and move out of the state of California altogether. Therefore, even though I am a few months behind in my mortgage, I request an additional six-months forbearance on mortgage payments, so that I can list my home for sale, make cosmetic improvements, and sell my home. Since my home has over {$200000.00} in equity, I do not see any problem getting it sold. Accordingly, I respectfully request the necessary documents to be emailed to me by Shellpoint Mortgage Servicing to complete the forbearance request as quickly as possible. I will list my property with a local realtor by the end of XX/XX/2020 to start fulfilling my obligation to close out my mortgage.
Product: Credit reporting or other personal consumer reports

My account with XX/XX/XXXX was never late! I have had exceptional payment history witH XX/XX/XXXXXXXX and all payments were placed on XXXX. 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 XXXX XXXX XXXX. 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 XXXXXX/XX/XXXX 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 XX/XX/XXXXof this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX Never Sent the periodic statement along with the disclosures from section XXXX ( 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 XXXX 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, credit repair services, or other personal consumer reports

On XX/XX/2021 Your company checked my credit report and put a inquiry on my report without my consent i never authorized your company to check my credit report without my knowledge. Please remove the inquiry i did not give you permisson to check my credit report. I dont have a account with your company. I wrote letters to you in XX/XX/2021 asking you to remove the inquiries i have not heard anything from you and wrote letters to XXXX XXXX and XXXX credit bureaus.
Product: Debt collection

The dates displayed in the open columns on the XXXX  & XXXX credit reports do not reflect the actual opening dates. Additionally, the 2 accounts listed under XXXX XXXX XXXX are listed as joint accounts when they are in fact individual accounts. The actual opening dates are much older than what is reflected on the reports. Despite disputing the dates previously with the credit bureaus, the only change has been newer opening dates. This is incorrect reporting. According to the Fair Credit Reporting Act of 1970, inaccurate reporting should be removed immediately. 

Regarding Experian credit report, the data recorded is both vague and confusing. Accounts are listed as closed with no payments or further status updates, accounts are also listed as closed with unknown payment status, and missing dates & balances. The dates listed are incorrect and many are listed as more than seven years old. According to the Fair Credit Reporting Act of 1970, inaccurate reporting should be removed immediately. 

Overall, all three bureaus are reporting accounts closed that are well over 7 years old,  with inaccurate balances or payment information missing. According to the Fair Credit Reporting Act of 1970, these items should be removed immediately.
Product: Money transfer, virtual currency, or money service

Iam writing to state my concerns regarding Zelles way of managing disputes. Since theres been a recent CFPB lawsuit stating significant issues with Zelle. I had used Zelle for a few years and Zelle failed to investigate my claims correctly.
Product: Credit reporting 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. 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 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 XX/XX/2023