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

I am a victim of XXXX The information listed below, which appears on my credit report, is the result of that XXXX 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 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 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: Checking or savings account

Also I wanted to supply all information they have been given numerous times about my checking being used fraudulently. If this would have been taken care of like they say. They fight for you on identity theft accounts. I feel their lack of help and making bill pays on a closed account shows how much they don't care. It is being cleared up with every fraudulant account accept navy federal.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone in Experian and XXXX  credit bureaus keeps changing my address without my consent. I deposited the information 22 times. I filed two police reports. XXXX XXXX  XXXX, XXXX  XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, gave me two letters of release stating the debt wasn't mine Experian and XXXX keep putting these fraudulent accounts back on my credit. These accounts called the credit bureaus with me but they said they can't do third party calls and hung upon us. This is how my identity is stolen 12 times in the last 20 years through Experian. 


My correct address is XXXX XXXX XXXX My name is XXXX XXXX XXXX My phone number is XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite my persistent efforts to address the presence of fraudulent, inaccurate, and misleading items on my consumer report, the issue remains unresolved. The inclusion of these items has had a significant and detrimental impact on my life, causing immense XXXX XXXX XXXX I want to emphasize that I did not authorize any of this information to be associated with my name, as I have been a victim of identity theft.
Product: Credit reporting or other personal consumer reports

DEPT OF ED XXXX XXXX Company is unresponsive. This isn't my debt as I have never taken out a student loan. This seems to be an error or fraud. I have made several attempts to contact the credit bureau but they all insist I file a complaint directly with the company. This is inaccurate information and needs to be resolved immediately as It is affecting my credibility
Product: Credit reporting or other personal consumer reports

I have made multiple attempts to rectify this issue directly with Apple Card / GS, and have received no satisfactory resolution. I kindly request the following actions to be taken, investigate the inaccurate charge-off listing on my consumer report, considering the violation of IRS income exclusion regulation. Pursuant 15 USC 1681 furnishers of information must provide accurate and complete information ; Income does not get reported on consumer report according to the IRS, they filed a 1099C, cancellation of debt and income is excluded from the consumer report, so this account is inaccurate.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. 
Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations. Best Regards, XXXX.
Product: Mortgage

On XX/XX/XXXX, I received a call at XXXX from telephone number XXXX. The woman calling offered to refinance my mortgage at a lower rate. I informed her that I just refinanced in XX/XX/XXXX and, therefore, had no intentions of refinancing again. I requested she take me off the call list. 
On XX/XX/XXXX at XXXX, I received another call from telephone number XXXX. This time, a woman named XXXX offered to refinance my mortgage at a lower rate. I explained to XXXX that I received the same phone call yesterday, told the previous caller that I recently refinanced, had no intentions of refinancing again, and had requested she take me off the call list. Furthermore, I did tell XXXX that I was being nice now but that I wouldn't be nice in the future if the calls continued. XXXX quipped back with, " Well, you didn't talk to me so you have no reason to be anything but nice to me, " and then proceeded to hang up. 
I immediately called the number back and was hung up on again. I then called back a second time. The man that answered asked for me. I explained to him that I wanted taken off the call list. He then hung up on me. 
Finally, I reached a telemarketer that transferred me to a supervisor named XXXX. I asked XXXX for the name of the company. He told me, " Resource Marketing Corporation. '' I asked XXXX if they were in Georgia as they were calling from a Georgia area code. He informed me that they were located in New York. I informed XXXX of the incidents and informed him that the number they were calling was registered with the National Do Not Call Registry. ( This was verified with an email - the number has been registered since XX/XX/XXXX ) XXXX was apologetic and assured me that he would reprimand XXXX for her actions.
Product: Credit reporting or other personal consumer reports

Please remove this information from my credit report, this affects me a lot, I don't want to have it. 
DEPT OF ED/XXXX  - XXXX DEPT OF ED/XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX  - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The companies response is that I hired a credit repair company. I sent in the FTC reports and XXXX  data breach paper work myself. Letters went out because I sent them on my own I did my research as stated in the XXXX  data breach paper works and I am very aware that this is a stall tactic that is used to slow down the process of my investigation. Please remove these inaccurate items from my credit report. The items are all FCRA violations and they go against my consumer rights. My information was breached in the XXXX  data breach and I stated that as well. I am trying to buy a home to keep custody of my children and these items that are reporting unauthorized and inaccurate are holding me back and is causing a great deal of stress. Please investigate thoroughly and update this incorrect information.
Product: Checking or savings account

This is in reference to unauthorized purchases made at a XXXX in XXXX XXXX and a unknown location in XXXX XXXX ; the cases as seen in the attached rejection letters ; firstly, these cases were handled unprofessional from the start as the employee at the bank who opened the original cases should have deduced that they are related due to the fact that they took place half an hour apart and Im disputing both ; then issued one case number or at least make a notation that they ae related so as not waste time and allow a proper investigation. Anyway, a few day later I noticed I received a temporary credit for the lesser amount of {$100.00} but not the other for {$1800.00} ; I spoke to an agent about this and was told that the claim for the {$1800.00} was rejected for three reasons she saw listed ; which I wrote down and wrote a reply to, please see attached document titled reply to first rejection. I called the bank for a third time and ask why I was given a temporary credit for the {$100.00} and was told that my pin was entered wrong before the correct one was entered, to which I explained that the same should be considered for the transaction for {$1800.00} as it had to be the same person ( s ) I was then told that a representative from the bank would call me to discuss this further. 
When I received the call from the bank ; I appears to be more of a personality test rather than for clarity or additional information as I told her that both cases are related and a previous told me that there was a failed pin attempt on the smaller amount and so it should be applied to the other ; she then checked and said she did not see that in her records and in that case they will have to reverse the temporary credit for the {$100.00} as well, its as if she didnt even know about the smaller amount and someone had deleted some information and she made a split second decision to take back that credit. I then further told her that I had replied to the reasons stated for the first rejection, she then told me that is not necessary as her main concern was how did they guessed my pin number? To which I replied I dont know. I further told her that I am going to get a police report for them to pull the camera footage of the purchases and she told me that at this time a police report may not help, so after submitting that said report case number my claim was again rejected for the third time. Please see police report cards both on one page in the attached files. 
Furthermore, the last time I went to the bank one of the employee told me that perhaps one of the reasons they might be giving me such a hard time is that I have quite a number of claims before, but these are not related as they are purchases I made from XXXX XXXX related to goods I did not received or damage good, also some of the temporary credit issued to me from those disputes were reversed as they claimed they wrote and called me but I did not answer ; this however was due to the fact that I did not receive the letters and me being busy at work, so by the time they had reversed the credit it was too late to re-open the case.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attached an FTC report with fraudulent inquires
Product: Credit reporting, credit repair services, or other personal consumer reports

on my loan with XXXX XXXX they reported me late 30 days for XX/XX/2020 they told me verbally on phone it would NOT be reported due to Covid I was a little late NEVER have been before I was waiting for unemployment to kick in I have never been late and was told they will not report they did and it took my score down on ALL # credit reports.
Product: Credit reporting

My Equifax credit report says I have a delinquency on my student loan in 2012. That is a mistake. I have never been without a deferment Furthermore, I am in the third and final year of the having that loan forgiven.
Product: Checking or savings account

I open a business account from chase bank on XXXX and deposit {$40000.00}, until XXXX, there is total XXXX unknown online wire transactions during thus XXXX years ( yellow highlights from documents ) and my account is only have {$5.00} right now. The bank open a case and admitted that someone hacked into my account but the claim department doesnt authorized because under their policy its more than 2 month to claim the transaction. However, I didnt receive any text alert or security phone call to verify all of these transaction, how can I know my account is been stolen? I need to be treated fairly and get my money back.
Product: Credit reporting or other personal consumer reports

Since the month of XX/XX/2024, I have contacted all of the three credit bureaus about duplicate accounts that are for the same collections. All three credit bureaus have allowed XXXX XXXX and XXXX XXXX to stay on my credit report even after I disputed that I did not recognize that the information as the XXXX XXXX XXXX was more than the original amount that I should have owed. Once I paid to settle the collection, XXXX put duplicates of the XXXX account as a new collection TWICE. I am currently again having to dispute the information with the bureaus on a debt I paid almost two months ago.

I am being harmed by the people who basically have our lives in their hands.
Product: Payday loan, title loan, personal loan, or advance loan

In XX/XX/XXXX, my husband and I purchased closet organization from " XXXX XXXX XXXX ''. They were promoting interest free financing. The term was for 18 months. Wells Fargo Home Projects provided the financing. Each month I sent them {$150.00} paying extra each month towards the charge of {$4500.00}. My credit limit given is {$5600.00}. I had {$150.00} left to pay of the {$4500.00} when I received my bill 2 days ago. The bill states that I now owe {$1000.00} of which {$900.00} is an interest charge. I thought there must be some mistake so I called Wells Fargo Home Projects. The representative stated that the promotion period ended and therefore I would be charged the entire 18 months interest because I did not pay it off by XX/XX/XXXX which was 7 days ago. I asked for additional assistance and the rep transferred me to a supervisor who offered a 25 % discount off the large lump sum interest charge. I don't feel it is appropriate to charge someone {$900.00} or even {$680.00} for 7 days past XX/XX/XXXX. This is a terrible product and the fact that they are taking advantage of consumers by tacking on all this interest no matter what balance is owed. It is unethical and should be illegal. Consumers should be protected from these types of financing programs and terms.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. 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 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. 

XXXX XXXX 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 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 or other personal consumer reports

I am writing to submit a formal dispute regarding inaccurate information on my credit report, as governed by the Fair Credit Reporting Act ( FCRA ). On XX/XX/XXXX, I contacted Experian to address the following inaccuracies in my credit report. To date, Experian has not responded. I am providing details of the inaccuracies and the necessary corrections required : The following account was never late : XXXX XXXX ( Account # : XXXX ) Date Opened : XX/XX/XXXX High Credit : {$560.00} Please correct/update this inaccurate information on my credit report. 

The following account was never late : XXXX XXXX  ( Account # : XXXX ) Date Opened : XX/XX/XXXX Balance : {$1900.00} Please correct/update this inaccurate information on my credit report. 

The following account is not mine : XXXX ( Account Number : XXXX ) Date Opened : XX/XX/XXXX Balance : {$0.00} Please remove it from my credit report. 

I require that you verify the account identified as XXXX XXXX : Date Opened : XX/XX/XXXX Balance : {$25.00} Your reporting represents the information incorrectly. The reported balance of {$25.00} is inaccurate ; I believe it should be a lower amount. Furthermore, the Past Due amount should not be reported, as this account is closed and charged-off. Please mark this account as disputed while I resolve my dispute with the creditor. I also request verification of the Date Opened, Date of Status, and First Reported. 

The following account is not mine : COLLECTION ( Account Number : XXXX ) Date Opened : XX/XX/XXXX Balance : {$8300.00} Original Creditor : XXXX Please remove it from my credit report. 

The following account is not mine : XXXX ( Account # : XXXX ) Date Opened : XX/XX/XXXX Balance : {$740.00} Please remove it from my credit report. 

The following account is not mine : XXXX ( Account Number : XXXX ) Date Opened : XX/XX/XXXX Balance : {$340.00} Please remove it from my credit report. 

The following account is not mine : XXXX XXXX  ( Account # : XXXX ) Date Opened : XX/XX/XXXX Balance : {$1700.00} Please remove it from my credit report.
Product: Debt collection

I was sued in small claims court by Midland Funding LLC., XX/XX/2019. 

I had reciepts that showed that XXXX XXXX XXXX balance transfer paid off XXXX Bank {$4700.00} XXXX XXXX XXXX, in the summons, swears in an affidavit by XXXX XXXX, full-time employee of Midland Cedit Management, that i owe XXXX The matter was not resolved, but continues back in small claims court XX/XX/2019. 
I agreed to send XXXX XXXX Firm copies of my reciepts.
Product: Bank account or service

I had a personal account that had a returned deposit because of fraud committed against me in 2015. I provided proof of this fraud which was also used to open accounts with other banks. Bank of America stated they removed me off of XXXX and XXXX, which was already done the year prior. I had a business account with them in good and regular standing that was recently closed after I was approved for Merchant services and upgraded my account. Which apparently triggered a hotfile attached to me. This hot file was caused by someone stealing money from another account I wrote a check transferring funds out of town. When I got back I immediately made the account positive. They removed negative reporting but placed me on a hotfile. They closed my corporate account with no notice, one that I am a signor on costing my company thousands of dollars. They will not let me withdraw my funds, they will not be accommodating in any way shape or form and they refuse to act in good faith. I want to be removed off of the hotfile. I want an apology, and I want to be assured this issue is resolved. Bank of America has blatantly not allowed me to solve this issue. They have been abusive, they have never responded to my request. I sent a packet to their internal group 4 times. They have been extremely abusive.
Product: Vehicle loan or lease

I paid off my auto loan with Capital One in XXXX XXXX of XXXX. 
After paying off my loan in XXXX, I requested that Capital One mail me an updated copy of the title report for my car to the address I had on file with them. 
It is now the end of XX/XX/XXXX, and Capital One refuses to mail me the updated title report for my car. 

From XXXX XXXX of XXXX, Ive called Capital One more then 15 times to request that they mail me the updated title report for my fully paid off car. 

Each time I call Capital One, the customer service agent I talk to tells me that they are working on correcting the issues and that I should receive the update title report soon. 

The title for my car is very important provides evidence that I own that specific property. On my most recent call on XX/XX/XXXX, the agent said that they cant to do anything and that I should figure it out on my own and provided no resolution to my complaint/ request.
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am writing to file an urgent complaint regarding multiple billing errors that I have identified on my credit report, which constitute violations of the United States Code Law, specifically TILA 15 U.S. Code 1666 ( b ) - billing error. 

Violations Identified : Time to Make Payments : As per Section 15 U.S. Code 1666 ( b ) ( a ), a creditor must ensure that each periodic statement is mailed or delivered to the consumer not later than 21 days before the payment due date. My creditor failed to comply with this requirement, resulting in erroneous late payment notations on my credit report. 

Failure to Reflect Payments Properly : Under Section 15 U.S. Code 1666 ( b ) ( 4 ), the creditor did not accurately reflect a payment made by me on the statement. 

Computation Errors : According to Section 15 U.S. Code 1666 ( b ) ( 5 ), there are computational or similar accounting errors on the statement issued by the creditor. 
Given that the creditor did not notify me 21 days prior with a statement, there should be no late payments recorded on this account. I demand solid proof from the creditor 's bank account records demonstrating that I failed to make the payment and was consequently marked late. This situation clearly constitutes a billing error.
Product: Credit reporting or other personal consumer reports

Hello, Im in the process of trying to secure a home loan. My mortgage counselor pulled my credit report from all three credit bureaus, but my Equifax credit report will not come up. I called to see what the issue was and they stated my birthdate was incorrect. My actual birthday is XX/XX/XXXX, Equifax has it listed as XX/XX/XXXX. I have sent my personal documents including my social security card, ID, W2 by mail on XXXX XXXX. They never received nor updated my information so I opened an online dispute on XXXX XXXX my confirmation number is XXXX and uploaded a pic of my id and passport showing my correct date of birth. They let me know my email that they received my dispute and will update my birthdate on XX/XX/XXXX. I have called in multiple times and they have not updated my information nor given me the correct information on my dispute.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies my financial institution and zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and track my these transactions was unfeasable. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams.