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

I want to express my concern regarding the reporting of late payments on my credit report. Despite sending multiple letters to dispute these accounts, the late payment accounts are still present on my file. I have contacted the respective creditor regarding these late payments, and they have acknowledged the inaccuracies in reporting. They have agreed to remove these late payments from my credit report. 
I urge you to take immediate action to remove these late payments from my credit report, as they are inaccurate and are causing significant harm to my credit score. The accounts in question are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite my three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly. Who verified the accounts? How did they verify? You still have not provided me with the name of the individual, business address and telephone number of the person or business contacted during your re-investigation. You have NOT provided me with a copy of ANY original documentation ( a consumer contract with my name on it ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA- you are required to ... promptly DELETE all information which can not be verified. 

* Dept of EdXXXX XXXX - XX/XX/XXXX * Dept of EdXXXX  XXXX - XX/XX/XXXX * Dept of EdXXXX XXXXXXXX - XX/XX/XXXX * Dept of EdXXXX  XXXX - XX/XX/XXXX * Dept of Ed/XXXX XXXX - XX/XX/XXXX * Dept of EdXXXX XXXXXXXX - XX/XX/XXXX
Product: Credit card

XXXXard was opened on XX/XX/year> for Frontier Airlines. Attempted access a week later when card arrived, unable to locate acct. Multiple attempts made, unable to access acct. Finally got someone in the US and found out the DOB did not match. Security had acct flagged rendering it unable to be accessed. How does a company process a credit application and approve with information that is incorrect? Finally got resolved and access granted to find there are late charges and a credit hit on the account. In my line of work, this affects state licensing. Barclays is uncooperative in resolving regardless whether or not they are the party at fault. Not allowing consumers access to accounts and then charging lates fees and submitting late payments to the credit bureaus is not only usurious but fraudulent. In no case is this acceptable from an credit organization. Organization will also not remove credit hit due to their mistake and deflects to the credit bureaus. It is time CFPB holds credit card companies and their employees to the same standards as the rest of credit grantors. XXXX XXXX, manager collections was latest representative spoken with
Product: Mortgage

On XX/XX/2022 my mortgage was 2 years seasoned and by any reasonable metric surpassed the LTV ratio required to remove PMI. On XX/XX/2022 I requested PMI be removed seven days later I received a letter from Freedom Mortgage denying the request because " all insurance premiums due within 30 days must be paid prior to removal '' and " the LTV radio must be above 80 % ''. The first statement is patently false. Regarding the second : they provided no reasoning or data/metrics for how they determined the LTV ratio or even what they determined that LTV ratio to be. After several follow up calls and messages via the Freedom Mortgage website I received a letter saying on XX/XX/XXXX stating " an AVM is not available '' and that further research is required. Freedom Mortgage is not acting in good faith. By delaying the removal of PMI they are breaking the law, denying people their rights and taking money from hard working people by burying them in form letters and procrastinating.
Product: Money transfer, virtual currency, or money service

I am writing to express my concern regarding Zelle 's handling with disputes, especially in light of the recent lawsuit with CFPB highlighting alot of the issues with the platform. Despite using Zelle numerous times and reporting its discrepancies, my financial institution and Zelle failed to investigate my claims. They informed me that recovering lost funds was not possible and that tracking the transactions wasn't an option. The CFPB has found that not only has Zelle failed to protect its consumers but has also allowed repeat offenders to continue to use its platform and has been an open space for scammers to do their job. It's very unsafe and the lack of accountability and transparency is very unacceptable and raises serious concerns.
Product: Checking or savings account

I deposited XXXX dollars into my savings account via ATM at 53rd bank on XXXX and XXXX XXXX in XXXX Mi. I also transferred XXXX dollars into my savings account to pay my aunt for my mortgage. The ATM ate the XXXX dollars and only posted the XXXX transfer that was second. When speaking with XXXX  the manager of the branch I was the XXXX person who had problem last night I was XXXX in line and this ATM is having weekly problems and it steals money with no receipts and the branch outsources the machine and can't open it and I have to wait until someone comes out. They were called Monday for the exact same problem and still haven't been out and they have left this atm open to continue to defraud customers.
Product: Credit reporting or other personal consumer reports

This is my last hope, I have attached supporting documents.
Product: Checking or savings account

On XX/XX/2018 I used an ATM what is apparently a non-coop ATM. The ATM charged a {$3.00} fee. I accepted the Fee as the Navy Federal bank account I have states I have ATM fee reimbursement up to {$10.00} per month. However, later that day I noticed an additional fee from Navy Federal which prompted me to call and ask about the fees. At that time I was told only the fee from Navy Federal would be refunded and not the fee from the ATM. I feel this is a violation of UDAAP as the Navy Federal advert does not make a distinction between Navy Federal ATM fees and other ATM fees. Also, the Navy Federal fee sheet only states that " The owner of a non-Navy Federal ATM may charge a fee. '' The fact that none of the information provided states that fees from non-Navy Federal ATMs will not be refunded is deceptive. I contacted Navy Federal about this issue and they referred me to the fee sheet attached, which still does not differentiate between Navy Federal ATM fees and other bank ATM Fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

N accordance with the Fair Credit Reporting act Accounts XXXX XXXX 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX HAS VIOLATED MY RIGHTS!!!!!!! 

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 account without my written instructions.
Product: Credit card

AMERICAN EXPRESS SHOWED THE CARD AS A LATE PAYMENT WHEN INFACT THERE WAS NOT A LATE PAYMENT.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the late payment on this WFDS XXXX for months. XXXX and XXXX have reversed them but Experian is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. Under the FCRA ( Fair Credit Reporting Act ), a lender, financial-institution and/or credit card company cant treat a payment as late if it was received by XXXX XXXX on the day that it was due. If the due date was not a day on which the card company receives or accepts mail ( for example, Sunday or a holiday ), the card company can not treat a mailed payment as late if it was received by XXXX XXXX on the next business day. CFPB please step up and fix this ASAP please Im looking to purchase a home.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently sent letters over 45 days ago to the credit bureaus and they are disregarding a regular consumer dispute. I am stressed and have been sending letters before this and i still have not received no response. 

Today XX/XX/2020 i am reaching out to the bureaus again but this time i am also filing a complaint with you guys since i have not got any correspondence back from them. Hopefully you can help me get this matter under control. This is blocking me from opportunities. I just want everything that is an error to be corrected. i will greatly appreciate your help with this matter. 

I have accounts such as XXXX, inquires from banks that i did not authorize etc. Hope to hear from somebody soon so that we can get this under control and figured out. Thanks in advance.
Product: Credit reporting or other personal consumer reports

I sent correspondence in XXXX. I attached 2021 document. I have no account with XXXX XXXX XXXX. Experian never responded back about this account but deleted the others mentioned in my letter. It could have been an oversight but according to report # XXXX it still remains. I request this account be deleted.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year>
Product: Money transfer, virtual currency, or money service

XXXX  refuses to properly communicate. I receive form emails that do not address the issue. I have asked them to call me but they refuse. 

XXXX  has facilitated unauthorized transactions from my business checking account. They refuse to provide transaction history.
Product: Credit reporting, credit repair services, or other personal consumer reports

While reviewing my credit reports from XXXX, I found several inquiries not authorized by me. As such, I filed an FTC Identity Theft Report and want these inquiries promptly removed. 

XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX 2021
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing Experian credit bureaus. According to account XXXX XXXX continues to furnish a series of accounts which includes negative reporting in continuation of depleting creditworthiness along with possibilities of extending lines of credit. Accounts display no payment history, nor updated information.
Product: Debt collection

I noticed that I had a collection on all my credit reports. I sent the company a debt validation letter in the beginning of XX/XX/XXXX. I have called them to see what the status. They keep telling me they are working on it. These people need to remove this entry from my credit reports ASAP.
Product: Debt collection

I have been contacted by this company for years and have told them the debt did not belong to me someone illegally used my information and that if it did then the company can provide ( Wet signature proof from original creditor ) but was denied that information. Also was told by manager that they are not removing collection claim so in result of that I will be needing to sue for false claims and a violation to my rights.
Product: Debt collection

While attempting to re-enroll at XXXX XXXX Colleges I was told I could not register for classes unless I paid an alleged debt to the collection agency TSI. The original debt was only {$420.00}. But TSI said I had to pay {$970.00}. TSI told me that was the {$420.00} plus an {$82.00} fee and interest. But, TSI could not explain why they were entitled to the {$82.00} fee or interest. I did not owe the debt and no law or agreement I am aware of allows TSI to add fees or interest anyway. I had to unfairly borrow money to pay the full {$970.00} so I could enroll an attend school in time under protest.
Product: Credit reporting, credit repair services, or other personal consumer reports

hello I was checking my credit report through CreditKarama.com and I saw a hard inquiry from a source that I do not recognize, and the report gave me the following address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX and that was XXXX XX/XX/2018XX/XX/2018
Product: Debt collection

XXXX XXXX  first contacted me about a month ago regarding a debt owed to a company called Zebit from XXXX to XX/XX/XXXX. They claim to be a debt collector and have provided me with no proof that they own or were sold the debt or evidence that I consented to Zebit to provide them with my information. I know for a fact that they do not own the debt as the debt does not exist for the following reasons. 

I purchased a XXXX '' XXXX XXXX from Zebit on what was basically a lease to own basis. When I received the product it did not work, and after about thirty days of attempting to exchange the product or have it refunded, the company refunded what I had paid to that point and advised that I could " recycle it at your discretion ''. 

Zebit attempted to contact me once again in XXXX and I had to remind them that they cancelled the order and refunded me, and now we are having this issue again. The email communication that I received today stated that " XXXX XXXX-Zebit, LLC '' would be added as a collection account to my credit report in 26 days. I would also like to point this out as further proof that the debt collector has no authority to collect the debt. 

I have attached the email correspondence from XXXX to this complaint in both a text file that is mostly in order as well as the original emails from the company. 

For reference XXXX XXXX XXXXI Reference Number : XXXX Zebit Account : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 I emailed XXXX XXXX XXXX  regarding two accounts reporting incorrectly on my credit reports ( XXXX, XXXX, XXXX ). I informed them there were inconsistencies between the three bureaus and asked for these accounts to be removed from my credit report. In the email ( screenshots attached ) I addressed myself under my legal name, XXXX XXXX. On XX/XX/2019 XXXX XXXX XXXX responded with 3 letters per account which did not address my concerns with the inaccurateinvalid information reporting on my credit reports. In addition to not addressing my concerns, the company referred to me under an incorrect name. Despite me giving them the name XXXX XXXX in my request they addressed the letter to a XXXX XXXX. This additional inaccuracy is proof this debt needs to be removed from my credit reports.
Product: Debt collection

On XX/XX/year>, a collections account was added to my account. Multiple numbers and information wasnt consistent with each other so I disputed it multiple times. In between disputes, I gave then a call and Disputed a debt, they are now claiming it is valid, without giving me proof of the validity of the debt. I can prove the debt is invalid per my lease ( Legal document pertaining to the property ) I can prove the debt is invalid per XXXX XXXX ( XXXX ), since the landlord failed to provide an itemized statement within 30 days of lease termination. I have been offered lower debt amounts multiple times but no answers to my requests for information. They change dates and amounts after every dispute but havent matched. Called them over 6 times and they threaten me multiple times saying they could make this difficult for me later on in life and it would be better if I didnt questions. Unable to get a resolution from them, I resolved to file a complaint.
Product: Credit card or prepaid card

an online order was made XX/XX/21. the charge was {$94.00}. on or about XX/XX/21 one item was returned to the store. NO receipt was given for {$47.00} as i was told the store could not generate a receipt for an online order. i was also told other customers had problems with online orders during this time frame. on or about XX/XX/21 the other item was returned to the store. now the balance should be {$0.00}. for the XX/XX/21 purchase. again, NO receipt could be generated at the store for an online order. on or about XX/XX/21 the monthly bill was received due on XX/XX/21. this bill showed that i was XXXX charged for my order of XX/XX/21, both charges showing the same order number. the bill had NO credit for my return of my items. i now owed {$180.00}. on or about XX/XX/21 i returned to the store for the 3rd time to try and see what was going on with this problem that had NOT been rectified. all 3 times the associate had to get on the phone to customer service which said they were doing something but in the end were doing nothing. on or about XXXX due XX/XX/21, i received my new bill showing that i owed {$110.00}. the 1st charge of {$94.00} of the double charge had been removed but NOT the 2nd charge of {$94.00} which still remained on the bill PLUS {$27.00} late fee AND {$1.00} interest charge. on or about XX/XX/21 i called customer service and spoke to 3 different people to explain the problem and give them identifying info and the 3rd person guaranteed the problem was resolved. on XX/XX/21 i received a notice that there was a request to review disputed transactions on the account. and, once the investigation is complete, IF the resolution is found in my favor, i will be notified and all charges will be credited to my account within 60 days. i have spent over 6 hours with their associates and traveled a total of 120 miles to try to get this resolved and it still has not happened. i'm done with this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the E oscar system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 



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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Through multiple requests it is nearly impossible to get a mortgage payoff statement from Seterus in order to close on the sale of my home. I requested 2 months in advance and again a week before.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I woke up and saw that my credit score went down by 2 points.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I disputed accounts with XXXX XXXX Equifax with supporting documentation attached. I was then sent an email stating my identity could not be verified. I proceeded to upload my ID, SSN & Utility Bill. I also contacted them same day to notify them of my upload. These accounts were supposed to be removed within 4 business days per 15 U.S.C 1681 c-2 section 605b. Unfortunately, XXXX XXXX Equifax failed to comply causing significant damage to my score thus hindering me from obtaining credit. I have spoken with multiple agents who insist the job will be done and I should receive an alert of the updated results once completed in 4 business days. I have not received that information. Upon checking my XXXX, I came upon and added that was added but then immediately removed. I reached out to XXXX and to my alarming surprise was told that the address had came from the dark web and that my information had been exposed. Prior to, I uploaded proof that my information was exposed in an Equifax data breach as well as a XXXX data breach XXXX was entitled to compensation. I am aware that I am also entitled to a fair, accurate and complete credit report under the FCRA and wish to exercise my rights. I have attached my XXXX report to reflect what accounts should be on my report including how my personal information should be viewed.