23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

ENHANCED RECOVERY CO LLC refused to address my concern after I disputed the debt. The company violated my rights under FDCP by not clearly stating that the debt is disputed. 
I filed a dispute with XXXX that the company need to validate the debt and instead ENHANCED RECOVERY CO LLC told XXXX that the debt was verified. That is not what I disputed and how do you verified when it took less then 24 hours. There was no investigation and Both XXXX and ERC violated my right under Fair Debt collection act.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and removed from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C. 1681c-2 and to request that this information be blocked. I have attached a copy of my FTC Identity Theft Report ( FTC REPORT NUMBER : XXXX ) to support my fraud claim. 
According to 15 U.S.C. 1681c-2, when a consumer submits an identity theft or fraud report, credit reporting agencies are required to block and remove any information identified by the consumer as resulting from identity theft or fraud within four business days. 
The following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX As required by 15 U.S.C. 1681c-2, I request that this fraudulent information be blocked from my credit report immediately. This information should be blocked for a period of one year, after which I may request an extension of the block. During this period, this information must not be reported to any lender or agency as accurate or verified. 
I have contacted TransUnion several times regarding these fraudulent accounts on my report, and no solution has been provided. This situation is significantly affecting my ability to obtain financial opportunities, including housing for my family. These negative marks have been removed by other credit reporting agencies but continue to be inaccurately reported and unverified by your agency. 
Additionally, I have requested signed contracts or verification documents from the original creditor associated with these accounts, but I have not received a response within the legally required 60-day period. 
I respectfully request your immediate assistance in blocking and deleting these fraudulent accounts and inquiries from my credit report. I have included the FTC Identity Theft Report to support this request, and I hope you will make a fair and informed decision regarding this matter.
Product: Prepaid card

On XX/XX/year>, at XXXXXXXX XXXX, I purchased a {$25.00} American Express ( AMEX ) gift card from XXXX XXXX. I attempted to use this gift card to buy an item on XXXX, but the transaction did not go through. Following this, I tried adding the card to XXXX XXXX in hopes of using it that way ; however, the result was the samethe transaction failed again. Subsequently, I attempted to add the card to my XXXX account, but once more, the process did not succeed. 

Today, around XXXXXXXX XXXX, I contacted Customer Service regarding these issues. They advised me to simply try using the card with a " different merchant. '' When I requested a replacement card, they declined, stating that the outcome would remain unchanged. 

I received an American Express gift card and attempted to use it at XXXX, XXXX XXXX, and XXXX. American Express 's deceptive advertising materials say, " You can use your American Express eGift Card with any United States-based online, phone, or mail-order merchants wherever American Express Cards are accepted . '' This statement is false and misleading. Despite attempting to use the card at reputable merchants who claim to accept American Express gift cards, all transactions were declined. Each attempt was for amounts less than the card 's balance, and the card was active at the time of the attempts. 

When I reached out to American Express for clarification, they informed me that the transactions were declined to " protect customers. '' This explanation lacks transparency and is deceitful. By preventing the cards from being used where customers are most likely to need them, without informing either buyers or users until after valid purchases are declined, American Express causes significant inconvenience and potential financial harm to its users. Notably, when I called American Express to investigate why the card wasn't functioning, they left me on hold for an extended period, compounding the frustration and delay in resolving the issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, incorrect information is being reported to my personal credit file. The XXXX, Equifax and XXXX Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. XXXX, Equifax and XXXX have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I would like to dispute inaccurate and harmful information on my credit report that is negatively impacting my XXXX score. Below are the details of the accounts in question : XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/2023 a seller used a fake name and account to sell football tickets. Everything seemed legit until I sent the money. Once money was sent, I did not receive the tickets. I sent {$500.00}. I should have trusted my gut but have done these transactions in the past and they were fine. This one was not. 

I reported this to PayPal and they just said a complaint was filed. I am trying to stop the payment to the person. The email they provided is XXXX. Need to make sure they do nothing like this again.
Product: Money transfer, virtual currency, or money service

Im writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting the significant issues with the platform. Despite using Zelle numerous times and reporting issues, my financial institution and Zelle failed to pursue my claims adequately. I was informed that my lost funds were impossible to track and recover. The CFPB findings indicate that Zelle has not only neglected to protect consumers, but has also allowed repeat offenders to exploit their system, leaving me vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about financial safety.
Product: Consumer Loan

I had an automobile loan with Nissan Motor Acceptance. I madde timely payments for most of the life of the loan. well towards the end of the loan life i experienced financial difficulty. I called Nissan as I was unemployed foir an extended period of time over one year. I was told that i could defer payments for up to 4 months and request this separately for each month. i lost my job as i needed to go on XXXX leave. with a XXXX my job at the time let me go to avoid XXXX payment. in any event i needed to defer my payments. XXXX granted them however they repossessed my car during this deferment i had only XXXX payments of XXXX left before the car would have been paid off. they added repossession fees and interests and sent me to collections. at the time i was XXXX and finances and did not know how to dispute this. please investigate and resolve. my credit is ruined with the reposession and the car is gone and it was almost paid off.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and found this fraudulent account on my credit report. Please remove this fraudulent account from my credit report is hurting the ability to purchase a home for my family. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

This item is reporting late as reported in my 3 Credit Bureaus. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints.
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 consumers rights to privacy and confidentiality under 15 USC 1681. 

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

15 U.S.C 1681 section 604A section 2 : It also states a consumer reporting agency can not furnish a account with out 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I mailed to Experian a letter that I was requesting verification of negative items shown on my credit report. I received no valid response from Experian as the response they provided, did not have Written proof directly from a person at the source, pursuant to 15 USC Section 611 ( i ) ( 7 ) Section ( 6 ) ( I ) ( iii ) of FCRA. 

On XX/XX/XXXX I mailed a second request to Experian that I was re-opening the investigation and that I was requesting proof of verification of each item listed on the document. By proof, Experian was to provide ORIGINAL SIGNED CONTRACT/AGREEMENT WITH WET INK SIGNATURE from Alleged creditor as only legitimate proof over verification. Experian failed to provide this proof, but responded that items were verified. 

On XX/XX/XXXX I mailed to Experian Third written request & Final Warning requesting verification of negative items shown on my credit report and to identify with whom did they verify the alleged debt and what proof was given verify the alleged debt. 

As of today, I have not received a valid response from experian.
Product: Debt collection

XX/XX/year> open date for affirm last payment made was XX/XX/year> and by The Florida statute of limitations on debt collection for written contracts and promissory notes is five years. Oral contracts and open-ended accounts ( including credit cards ) Florida statute of limitations on debt collection is four years. They keep renewing and reporting for last 24 months which is illegal it well over 5 years and will hire a lawyer as to the statute of limitations. My question is if it has been written off how can they continue to report and destroy my credit?
Product: Credit card

I was offered a promotional APR of 0 % interest on balance transfers and convience checks that expired on XXXX XXXX, 2015. On XXXX XXXX, I called USAA customer service to process XXXX balance transfers and was told my account was locked and I would have to call back in 24hrs to process the transfers. I called back to USAA 's customer service to process XXXX balance transfers on XXXX XXXX and spoke to a represenitive about the offer and was told that that day XXXX XXXX was the last day to take advantage of the offer. I gave her my first account number to a XXXX and XXXX credit account. The represenitive was unable to get the account to be rcognized by the sysytem and suggested that I write a convience check to myself to cover the balance and pay the account myself. The XXXX account was recognized by the sysytem and was processed that day. I was asked if I had any other accounts and after declining, the call ended. On XXXX XXXX, I noticed a finance charge on my account for balance transfers. I called USAA on the next business day and was told that I was charged due to the balance transfer not posting to my account by the end of the promotion period. I was told the check that was written was under the promotion, but not the account that was processed on the XXXX as a balance transfer. I asked why the person I spoke with did not explain this to me and was told that they were unsure as to why. I then asked why the previous customer service rep. did not just advise me to write a check for the amount of XXXX transfers instead of the XXXX and received the same " Unsure '' response. I feel that I was mislead into believe that the balances I transfered over to USAA would be covered under the promotion offered to me, especially since I was speaking to a customer service agent from the company. I then inquired about just paying off the amount that was not under the promotion and was told, I could not do that without paying off the entire balance of the card. I do not understand why I can not specify what balance is paid after I make the minimum payment.
Product: Checking or savings account

Month of XXXX, XXXXXXXX XXXX. Money was sent on behalf of a friend, after I toold him not too. Approximately {$4000.00}?
Product: Credit reporting or other personal consumer reports

My account with was never late! I have had exceptional payment history witH XXXX XXXX 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 XXXX  days 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 XXXX  days before the payment due date.

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

I have requested proof that this information was mailed or delivered XXXX  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 XXXX
Product: Mortgage

After long consideration, I 've decided to file a second complaint against my former mortgage company, " Suntrust Mortgage. '' In my first complaint, I explained how, after my husband passed away, I contacted this mortgage company asking for help. At the time, I was assured they would work with me to refinance my house, so that I might be able to keep it. Because of this, I invested money into finishing the basement, repairing the roof, maintaining and adding to the yard, cleaning the carpets, etc.
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I sent in the initial paperwork, with all supporting documents, and was not contacted again. This was in the summer of 2013 and in   XXXX   of the same year, I called to check in on the status of my request. I was told a few documents were missing, so I resubmitted them. This happened again shortly after, and then again. Every time I resubmitted the documents and every time I called, they told me they were either missing or expired. Eventually I was told my adviser was no longer available and nobody else could help. I called several numbers, trying to get a hold of someone who could discuss my case, but it never worked out. The mailbox I was told to call was always full, so I could n't leave a message, and if I called another number, the people who answered were unable to help.
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My savings were, finally, exhausted and I could n't make the payments. I tried to sell my home, but a sale fell through. The foreclosure proceedings went forward. During this time, a real estate agent contacted me with clients willing to buy my house. I contacted Suntrust, who then referred me to their foreclosure lawyer. I received an email from the lawyer explaining how I am not a signer on the Note, therefore I have no legal rights to the house and can not sell it. I lost the buyers and that was when I filed the first complaint. As a result, Suntrust apologized and postponed the foreclosure for six months, but the damage was done -- the buyers were no longer interested.
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The house was sold through foreclosure without a single notification. They claimed I abandoned my house, but this is untrue. I paid utilities and checked up on everything until I discovered the locks had been changed without letting me know. It felt as if they stole my house from me. After this shock, I received another through the mail -- a notification to pay taxes on the loss of my home, the one that, according to their lawyers, was never legally mine.
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I deliberated on sending another complaint for a long time, but this last notification was the tipping point. Because of Suntrust Mortgage, I lost my home, savings, investments in the house, and the chance to sell it. Everything they did felt deliberate -- that they stalled and everything went in circles so that, ultimately, they could take my home away from me. With this, I hope I get at least financially reimbursed for the loss of my house, the investments, and the emotional distress. Losing a husband is difficult enough, but losing the home I shared with him was like getting punched on an already open wound.
Product: Checking or savings account

Capital One Rejected my XXXX XXXX Deposited Check on Friday XX/XX/2021 which is like money, relatives paid for it and It should have been processed properly. Capital One terrible checks scanning machine, please see all related attached documents, omitted my name from XXXX XXXX Check I deposited, teller did not follow the process, the machine did not scan my name and my money is not cleared yet. Capital One still rejects to clear or return the money. I emailed their CEO XXXX XXXX, so ironic his name is " XXXX '', emailed their Abuse Department, but nothing so far. I provided all the evidence needed the following day, on Saturday the XXXX of XX/XX/2021, after getting a message that the deposit was not being processed- as I mentioned above- again, manager by the name of XXXX XXXX at that branch in XXXX, Virginia, brought the deposited check with my name on it but still refused to clear or follow up. I offered everything I could to make it happen. Again, On Saturday XX/XX/2021, Capital One employee XXXX XXXX was so hostile, threatened to " dismiss '' me from your bank all because I was checking on my money. I was going to call the police, record the incident but I did not. Right now either Capital One clears the deposit or return the XXXX XXXX check to me, it is like Cash, it is my money and I need it, my relatives paid for it and sent it to me. Thank you.
Product: Credit reporting or other personal consumer reports

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update or correct the following inaccurate items in my report : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency XXXX XXXX information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX  XXXX on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX XXXX XXXX XX/XX/XXXX under the account number XXXX, a personal loan account opened at XXXX XXXX XXXX XXXX XX/XX/XXXX under the account number XXXX, and a collections account opened at XXXX XXXX XXXXon XX/XX/XXXX with a balance of {$6300.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting

While trying to check my credit report with Equifax they asked me questions about a mortgage loan, a car loan, a bank card and a department store card that were taken out in my name, I have no knowledge of any of them because I 've never gotten any type of loan or bank card as it seems I was too young and some where done last year
Product: Credit reporting, credit repair services, or other personal consumer reports

TranUnion is Past 60 days on there investigation I have mail them with a regestered letter and was unable to attach to CFPB profile case and attaching them again for the first time to CFPB azs well for the fourth time registered mail today SEE ATTACHED