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

My account with ( XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) was never late! I have had exceptional payment history witH XXXX 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 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. 


( XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent admininistration proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation.XXXX has violated so many federal laws. I am requesting my money reissued and reimbursed and sent to my new address at XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ; My former address was XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXI never received my settlement funds and am requesting a reissue of my settlement.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  has been reporting  XXXX  balance accounts paid off by a loan consolidation as collection accounts impactin g my credit score  negatively.
Product: Debt collection

I got an alert with this agency on XX/XX/2017. CBE Group is a debt collection agency. I have a debt of XXXX dollars. CBE Group opened the debt XX/XX/XXXX with XXXX. On XX/XX/XXXX XXXX and XXXX. I moved around this time and have confirmation letter from the post office. The mail could have crossed in the mail, if CBE Group used standard mail, I wouldn't have gotten it anyway according to post office. Anyway I never received any correspondence or a letter stating that I owed this bill. I don't even know the account number. If I don't know the account number and CBE Group letter or bill, how would I know to even pay. I also printed the hassle free resolution, so you can look at an option to pay. Once again I don't know account number, but it says you can by social security lookup, I am not doing that over the internet.
Product: Money transfer, virtual currency, or money service

When I opened a new cash app account, the account told me that I had a previous account with money in it. I tried to follow the steps in the app to verify the account. However, it asked me to verify a debit card that I no longer have. At that point, the app told me to contact support, which I did. I have XXXX accounts : XXXX XXXX ( old account ) and XXXX XXXXXXXX ( new account ). I want to transfer any funds from XXXX XXXX to XXXX XXXXXXXX. They keep citing security reasons but I have the same phone number and email that I have had, for XXXX  years. They could verify me through those means. See attached convo with account rep. 

Footnote : I suspect the debit card that they are seeking was my XXXX debit card. I closed all my accounts at XXXX in XXXX  and cut up the cards.
Product: Credit reporting, credit repair services, or other personal consumer reports

A collection agency in which have never authorized or given consent to furnish my private source data contours to reach out to me and threaten via email to damage the consumer credit history to report false and fraudulently obtain information without authorization. Complete violation based off permissible purpose
Product: Credit card

Approximately XXXX billing cycles ago, I paid off my balances in full on my Wells Fargo credit card at over {$4000.00}, {$400.00}, and {$150.00}. Each month following the payoffs, my statements showed accrued interest and cash advance fees for the balances that were paid off in full before the due date. When I checked the current charges against the last payments made, the total charges were not much more than {$400.00} ( at least 50 % less than what the bank was charging me of {$810.00} ). I called Wells Fargo for an explanation and was told they could not tell me why and that I needed to refer back to my Terms of Agreement. I froze my card to prevent any future charges and threatened to close the account after paying off the balance in full again. I believe that Wells Fargo has continued to access fees and interests unwarranted in an effort to defraud me as a consumer. Specifically, I am still paying cash advance fees when the total balance was paid off in full twice in the last 2 billing cycles.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am contacting you because you claimed to have completed a reasonable investigation with the furnisher of information and verified the account listed below as reporting 100 % accurate. However, this account is STILL inaccurate and your company is STILL continuing to report errors on my credit file, which is causing damage to my credit score. 
The complaints were sent to CFPB on XX/XX/2022 Complaint number XXXX And XX/XX/2022 complaint number XXXX These are the accounts still showing inaccurate XXXX ) Account Name : XXXXXXXX XXXX XXXX XXXX Account Number : XXXX XXXX ) Account Name XXXX XXXX Account Number : XXXX XXXX ) Account Name : XXXX XXXX XXXX XXXX Account Number XXXX XXXX 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( A ) Reporting information with actual knowledge of errors 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. You said you did a full investigation and that these items were XXXX person correct which looking at the report they are not correct. 

I have attached copies of credit report with inaccuracies highlighted in red and need these items removed immediately
Product: Mortgage

TO : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX CC : Wells Fargo Home Equity Solution XXXX # XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX I am XXXX XXXX XXXX natural person whom is seeking assistance with filing a complaint against Wells Fargo Bank of XXXX . This is about my primary Residence located at XXXX XXXX XXXX, XXXX XXXX XXXX. 

This notice is brought before you because a " debt collector '', has engaged in consumer debt collection activities within Wells Fargo Bank of XXXX, against me. 

Wells Fargo Bank is attempting to collect the debt in relation to a mortgage Note, which they are not the " original lender '' or " creditor '' to whom the debt was owed. XX/XX/2013, Wells Fargo Denied my request for permanent Modification of my qualifying loan under the Home Affordability Modification Program which was provided to me by Wachovia Bank of XXXX, my original lender. 

I have repeatedly provided Wells Fargo with all my financial information, including bank statements and cash flow analysis showing that the building is self sustaining in it 's ability to repay the Modified Loan Requested. But as of this time, they still refuse to help me save my primary residence. This is a self sustaining rental property, if I receive the Mortgage Modification. 

It is my belief that Wells Fargo is engaged in " Redlining '' for failure to assist me with my property, in XXXX, XXXX, that I believe qualifies for at least one of the many Federal Programs designed to help borrowers maintain the integrity of their neighborhoods as laid out by the Housing and Urban Development XXXX. Therefore I seek your assistance with filing a complaint under Section 5 ( a ) of the FTC Act, 15 U.S.C. 45 ( a ), which prohibits " unfair or deceptive acts or practices in or affecting commerce ''. 

I look forward to hearing back from you in an expeditious manner. 


Sincerely XXXX XXXX XXXX XXXXXXXXXXXX
Product: Debt collection

THIS IS RIDICULOUS!!! I am unaware of this account! Why does this appear on my credit report? I require verification of this account! There is no contract associated with this account. I will sue you for causing me anguish!
Product: Credit reporting, credit repair services, or other personal consumer reports

For the last several months, I've been trying to get XXXX to remove a bankruptcy that was verified through XXXX. XXXX has removed this bankruptcy from my report, however, it's still showing on my credit report.
Product: Credit card or prepaid card

I opened a prepaid XXXX card, i wanted to try it. The worst card there ever was. First of all, it took them over two months to set the card up, then I would charge something and pay the balance due, it took them a month to credit the funds back to the account. So, in XXXX of 2021 I told them to close out the account, I owed {$45.00}, I called to close out the account and I said I could make the payment, the agent said they would reduce the {$45.00} from the {$100.00} security deposit, i said fine. Here it is the end of XXXX, I called to see where my refund of {$54.00} and they said nope you don't receive that back. 
All I can say is fraud, simple as that. Never would I recommend anything prepaid, I thought it would be a good idea for my niece, XXXX no. Whoever created this card needs to be put out its misery.
Product: Credit reporting or other personal consumer reports

Subject : Unauthorized Reporting and Request for Correction of Credit Information Dear XXXX, I hope this letter finds you well. I am writing to express my concern regarding unauthorized reporting and the inclusion of a new address on my credit profile. I already have been seriously harmed due the fact that you did not follow my written instructions the last time I reached out to your Information Services Department. Upon reviewing my credit report recently, I noticed that you never removed obsolete addresses as demanded, you have added a new address without my explicit consent, and my new auto loan is being reported without proper authorization. I would like to draw your attention to the following legal references that support my request for rectification : 1. **15 USC 6801-6808 - Duty to Keep Financial Information Private and Opt Out of Reporting : ** This statute emphasizes the duty to maintain the privacy of financial information and the consumer 's right to opt out of certain information sharing practices. 2. **15 USC 1681 - Accuracy of Report : ** This section of the law pertains to the accuracy and fairness of credit reporting, emphasizing the responsibility of credit reporting agencies to ensure that information is reported accurately. 3. **Privacy Act of 1974 : ** This federal law establishes principles for the fair handling of personal information by federal agencies. I believe the unauthorized addition of an address and reporting of my auto loan may violate the privacy principles outlined in this act. Per the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 6802, I hereby notify you that I am opting out of any and all authorization, whether written, non-written, verbal, or non-verbal, that I may have given you as the consumer. I assert my right to control the dissemination of my financial information, as outlined in the aforementioned statutes. I kindly request your prompt investigation into this matter and the immediate correction of my credit information to reflect accurate and authorized details. I appreciate your attention to this issue and expect your timely response.
Product: Credit card or prepaid card

I called American Express because they are offering a financial relief program due to COVID. They offered to enroll me in the program, and noted that my monthly payment would be lowered and I would not accrue finance charges for the term of the program. They also explained that this would lower my credit limit and could affect my credit scores. Please note that I only enrolled in this program because I lost my contract income and am now accruing finance charges on my XXXX  Amex card ( I always make more than the minimum payment ). When I looked at my accounts, I saw they had enrolled a different card than the one I contacted them about, with a very low balance. I did not need any help with that card, but the credit limit has been lowered. But they did not enroll the card I contacted them about and agreed to the program for. I have now spoken to them multiple times, and they have stated that the program was supposed to enroll all my cards but there was a technical glitch and something went wrong. On their website, it states " If you enroll an eligible Card account / loan in the Financial Relief Program, all of your other eligible Card accounts / loans will be automatically enrolled. '' It has now been over a week, and they have no responses. When I called them now, they said they couldn't do anything because it was the job of the technical team, and they could take a very long time. They keep saying they know it is their fault but don't know how to give me a response. So essentially, Amex has lured me into signing up for a financial relief program, and then not really given me relief, and has instead lowered my credit limit on a different, affecting my credit scores for no reason.
Product: Credit reporting or other personal consumer reports

I have repeatedly asked you to verify and validate this account your willful non compliance and negligence has once again violated by consumer rights the following inaccuracy exist in this reporting after re-investigation : Repeatedly reporting C/O every month which is not legally permitted. Under FCRA regulations ( 15 U.S. Code 1681s2 ( a ) account name XXXX XXXX XXXX XXXX account Number : XXXX
Product: Credit reporting

I am in possession of a letter from XXXX XXXX XXXX showing that my home loan was paid in full on XXXX/XXXX/2008. This is being reported to the credit bureaus as un-satisfied and it is keeping me from purchasing another home and impacting me negatively. Can you assist me with getting this expunged from ( EFX - XXXX and XXXX ). Thank you in advance for your attention to this urgent matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

***EXPERIAN KEEPS CLOSING MY REQUEST FOR INVESTIGATION ON A MY CREDIT PROFILE THEY ARE COMPLYING OF ME**** I HAVE SUBMITTED MY PERSONAL IDENTIFICATION DOCUMENTS IN ALL INSTANCES. 

***EXPERIAN CAN NOT BE ALLOWED TO IGNORED MY REQUESTS ( 3 INSTANCES ; XX/XX/XXXX MAILED/XX/XX/XXXX ; XX/XX/XXXX CFPB ONLINE PORTAL ) TO START A DISPUTE ON THE MANY ISSUES WITH MY CREDIT REPORT THEY COMPILED ON ME***
Product: Credit reporting or other personal consumer reports

look at my credit report an inquires i never inquired for anything from these companies, ally XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/XXXX XX/XX/2018 a seller that has an online website only called XXXX had emailed me through her email which is listed on that site under XXXX that she had already refunded my money or XXXX. 
Barclays and XXXX will not help in this matter even though they see the email from the seller. Its now XX/XX/XXXX and both Barclays and XXXX know I didnt receive anything and are still stalling but Barclays admits they tried for two weeks to contact the seller. XXXX said Barclays should be handling it. 
Both institutions have proof from the seller that she would credit -they both wont credit. Office of the president at Barclays with a XXXX XXXX is useless wont send correspondence via my residence I assume Bc she doesnt want anything in writing and will tape my calls but wont allow her calls to be taped which I find off. 
They allow a fraudulent seller to get away with this and keep dragging it out. They wont even respond to the bbb case was done last month number XXXX for Barclays. XXXX wont Respond Bc that means in writing to my residence or a taped call both ways which she wont do. So because of this they wont credit the XXXX when they have proof from The seller that she was going to refund and never did.
Product: Credit reporting, credit repair services, or other personal consumer reports

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 XXXXXXXX Congressional findings and statement of purpose [ 15 U.S.C. 1681 ] ( a ) Accuracy and fairness of credit reporting. The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

( b ) Reasonable procedures. It is the purpose of this title to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this title.

15 USC 1681s-2 : Responsibilities of furnishers of information to consumer reporting 15 U.S. Code 1681c ( a ) ( 5 ) - Requirements relating to information contained in consumer reports 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) Responsibilities of furnishers of information to consumer reporting agencies 1681s2. Responsibilities of furnishers of information to consumer reporting agencies 1681s2. Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or consciously avoids knowing that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

Dear whom this letter may contain, There is information on my consumer report that is a result of identity theft. I did not provide written instructions or permission for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be updated to " paid as agreed ''. My request is not being made in error, nor is my request being made on the basis of a material misrepresentation of fact by me relevant to the request to update the identified transactions. The identified transactions are not information related to any transaction by me as the consumer.
Product: Checking or savings account

Direct deposit Social Security payment shown as part of available balance in my single owner savings account, 2 days " early. '' I transferred some funds to another account. The next day, WF showed my account overdrawn. No overdraft fee was changed, but a monthly service fee was charged because the overdraft brought the balance below the daily minimum balance of {$300.00}. Because the balance was already below the daily minimum on XX/XX/XXXX, WF will charge me a monthly service fee for XX/XX/XXXX. 

I would never have been required to pay a monthly service if WF had not shown the SS deposit as a vailable funds when it was not actually available. WF sanitized the account documents to reflect the direct deposit date, so I have no document showing what WF did. WF blamed the Social Security Administration for this problem.
Product: Credit reporting or other personal consumer reports

Upon thorough examination of my credit report, I have identified hard inquiries that are unfamiliar to me. Subsequently, I have initiated contact with all three Credit Reporting Agencies, requesting either their removal or a thorough investigation into these inquiries. Enclosed herewith is an FTC report detailing the unauthorized inquiries, inclusive of those delineated in the personal Statement section, which warrant expeditious removal from my credit profile.

15 USC 1681b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) Information regarding inquires, Except as provided in section 15 USC 1681g ( a ) 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with credit or insurance transaction that is not initiated by a consumer XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. ACCT Name : XXXX BANK XXXX XXXXXXXX .... 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 seven 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.