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

XXXXXXXX XXXX XXXX has erroneously reported my credit information to all three major credit bureaus. This inaccurate reporting stems from an error originating within XXXX XXXX XXXX itself. Despite consistently making payments as per my billing statements, XXXX XXXX XXXX continues to report erroneous account information, including an inaccurate balance. 

Furthermore, the personal information associated with the account is incorrect. My name on the account is XXXX XXXX XXXX which I have consistently communicated to XXXX XXXX XXXX from the outset. This incorrect name has caused significant issues, including a prolonged period where I did not receive my account statements. This is particularly problematic as three individuals in my household share the same initials. This issue has not been resolved despite repeated attempts to bring it to XXXX XXXX XXXX XXXX attention. 

XXXX XXXX XXXX  continues to send monthly statements to my address, indicating an outstanding balance. However, they simultaneously claim my account has been charged off. This creates a significant discrepancy. If the account is indeed charged off, who is receiving the payments I consistently make through their mobile app? Moreover, the balance reported to the credit bureaus is steadily declining. This apparent decrease in the reported balance directly contradicts the claim that the account has been charged off. 

I have attached screenshots as evidence to support my claim. The screenshots include : XXXX. A photo of my last XXXX payments made through the XXXX XXXX XXXX app. 
XXXX. A screenshot of my current balance displayed on the XXXXXXXX XXXX XXXX app. 

This evidence clearly demonstrates a discrepancy between the information reported by XXXX XXXXXXXX XXXX  to the credit bureaus and the actual account activity as reflected on their own app. The attached screenshots serve as irrefutable proof of my consistent payment history and the accurate balance as of today.
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 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 that are reported 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 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 card or prepaid card

On XX/XX/2020, I lost my cell phone, and apparently, some credit cards that I carried in a tote bag, and someone used my card unauthorized and charged {$190.00} to my account. I did not realize it because I do not normally carry the Capital One card around, I thought it was at home. It was not. I called Capital One to file a dispute, they did, within one week the dispute was closed. I found this out yesterday, XX/XX/2020, I spoke with 3 different reps, the last being XXXX, ID # XXXX from fraud. I was told by XXXX that I did not have any proof the card was stolen or lost. HOW would I have proof? It is the job of the card company to reach out to the merchant to dispute the charge, this process typically takes 30-90 days. XXXX told me no such thing was done in this case and that the case was closed. I was on the phone for over 2 hours before I even got to XXXX. I was tossed around the companies call center queue and got no answers, 3 reps, and nothing resolved. I requested the documents be mailed to me, as it is my right. If/when a company does a dispute and a consumer requests the documents used to make their determination they must send it. XXXX in Capital One Fraud advised me that there is nothing he could educate me on, share with me, or send to me. I want this case reopened, and an actual dispute processed with XXXX  the merchant, and my {$190.00} put back on my card.
Product: Checking or savings account

On XX/XX/XXXX I logged into my online checking account to pay some bills. I noticed that there were two transactions that I had not been aware of -- a transfer of {$5000.00} on XX/XX/XXXX and another {$5000.00} transfer on XX/XX/XXXX. It was about XXXX and the bank branch was closed so I immediately called online banking to report the transactions as fraudulent and that I had not requested them. I am always very cautious with my credentials and have never had anything like this happen before. I have called the U.S. Bank Fraud center Ph. XXXX numerous times waiting on the phone line for extended periods of time prior to being connected with a representative. I also went into the Branch at XXXX XXXX XXXX, XXXX XXXX, IL to expedite resolution and open a new checking account since the original on had been closed. On XX/XX/XXXX I received the two attached letters stating that the transitions were posted as requested and that my claim was denied. I called the Fraud center and they said that the claim filed on 8/4 used the wrong from and they refiled both claims on XX/XX/XXXX. The XXXX claim was filed by telephone and I had nothing to do with choosing the form nor did I see the claim. I called the fraud center again today as I do about every day and was told that the claims refiled on XX/XX/XXXX were both denied but I have received nothing from the bank. Additionally, when I was speaking with people about the issue the week of XXXX, I learned my email address for account alerts was XXXX not Comcast.net and because of this I had not received and alerts of account activity. I did not request this change. If the bank had acted on this issued immediately after reported the incident it on XXXX it seems to me that it should have been simple to recover the funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXX  is not my account, so I sent a letter off on ( XX/XX/2022 ). According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), The credit bureaus are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. The credit bureaus failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed. XXXX XXXX # XXXX. 

This is not my account.
Product: Debt collection

Machol & Johannes , LLC put a levy against my bank account without serving me on the suit. I was never once contacted by them, even though they claim the attempted to serve me multiple times. I travel for work and between that and other obligations I am rarely home. They claimed I received the papers on XX/XX/XXXX but I never once spoke to a person, received notice or even mail from them. 

They have frozen the funds in my bank account ( {$1900.00} ) all of the money I have to pay my bills and live. 

They email they had given me is returning as blocked, when I was trying to reach out to the company to provide all the documentation and paperwork.
Product: Checking or savings account

I have been a member with Navy Federal credit Union for many years now due to some financial hardships with me my spouse. We both have Navy Federal accounts. I have called in the past to see if I could overdraft my account until my check which was pending at the time would be posted. I was allotted a one time overdraft fee to overdraft my account up to {$500.00} since then I have gone into the the rear my paycheck, which would not show as pending deposit would be deposited and prior transactions that shouldve deducted before my check was deposited would be subtracted from my paycheck after it is posted.being with XXXX from my direct deposit after the fact and not before the check was posted causing my account to go overdraft and then receive overdraft fees per transaction. I am enrolled in the overdraft protection program and I have required over the draft amount fees several times and theres nothing that they can do about it. It shows differently on their end when I called and ask about why my account is overdrawn. Ive asked to be credited which that has happened once but other than that if I am in the overdraft protection program, then Im not sure why I am getting charged {$20.00} for each transaction that deducted from my account
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Im writing to you today to inform you I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any accounts listed on an id theft report. Please find the required documents to assist in blocking the erroneous information which is being posted to my report. According to FCRA Section 605B ( a ) Experian shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt. 


XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

All three credit bureaus and Best Egg are reporting the balance at least {$1000.00} HIGHER than what is showed, PLUS it being OVER the limit. 

So far, XXXX and XXXX have maliciously and fraudulently ignoted my attempt to correct it. 

This is effecting BOTH XXXX XXXX and XXXX XXXX credit reports and scores. This is exceptionally bad due to the fact that we are immediately attempting to purchase a house. PLEASE urgently force them to fix this massive problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 I submitted a dispute via certified mail through usps in which I asked Experian to remove addresses, phone numbers, social security numbers, as well as names and employers that doesnt belong to me. I included a bank statement, drivers license, and check stub from my current employer to validate information. I also provided the correct spelling of my name, my correct address and my phone number. I asked for all other information to be deleted. I also asked for them to remove bankruptcies on my account or send proof of validation in which they never sent. I also asked them to remove a closed account from upgrade that I showed was opened through fraud. I submitted a copy of a fraud report to them and they have yet to remove the account. Experian has yet to update credit card balances in which were paid off and is still reporting old balances. I am so tired of Experian dragging their feet on removing items off of my credit report and updating my report in a timely fashion. Experian continues to hurt my reputation and credit by reporting old credit card balances and bankruptcies as well as by giving thieves access to my credit file by keeping addresses on file from which I do not reside, social security numbers that do not belong to me, employers in which i do not work for, phone numbers that I do not have, and names that are not mind on file. All of those things listed has allowed fraudsters access to my credit file in the past. An example of this very situation is an address listed on my current credit file has been used to obtain credit fraudulently. I have disputed this address numerous times and Experian continues to keep this address associated with my credit file.
Product: Credit reporting or other personal consumer reports

Account Name : XXXX XXXX XXXX Account Number : XXXX This debt collector has no contract with me. I HAVE NOT SUPPLIED PROOF UNDER THE DOCTRINE OF ESTOPPEL BY SILENCE, ENGELHARDT V. GRAVENS ( MO ) 281 SW 715.719. 

I PRESUME THAT NO PROOF OF THE ALLEGED DEBT, NOR THEREFORE ANY SUCH DEBT, IN FACT THEREFORE EXISTS PURSUANT TO 18 USC 8, I OWE NO DEBT, THIS COMPANY IS VIOLATING MY CONSUMER RIGHT TO PRIVACY PURSUANT TO 15 USC 1681-B2 COMPANY HAS NO PERMISSION TO REPORT MY INFORMATION PER 15 USC 1681. 

I am putting you on notice that I the consumer refuse to pay this debt under the fdcpa : ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except **Violation of FDCPA : ** The notice fails to provide verification of the debt as required by 15 U.S.C . 1692g. I have not received any validation or verification of this debt despite previous requests. 

**Misleading or Deceptive Practices : ** The language used in the collection notice could be perceived as misleading or deceptive under 15 U.S.C. 1692e. It does not clearly state my rights to dispute the debt or request verification. 

Under the FDCPA, I am entitled to verification of this debt and to dispute its validity. Therefore, I request that you provide me with the following information promptly : - Verification of the debt, including proof of the amount owed and the original creditor. 
- Documentation showing that your agency is authorized to collect this debt. 

Please note that until proper verification is provided, I dispute the validity of this debt and request that you cease all collection activities, as required by 15 U.S.C. 1692g ( b ). Any further collection efforts without providing the requested verification will be considered a violation of the FDCPA.

Please respond to this dispute within 30 days from the date of this letter. Your failure to comply with the FDCPA may result in legal action being pursued against your agency. 

WHY IS THE BALANCE {$67.00} WHY IS THERE A DATE OPENED OF XX/XX/year>? BUT YOU ARE BARELY REPORTING THIS ACCOUNT ON MY CONSUMER REPORT? 
THIS HAS ALREADY BEEN DISPUTED AND REMOVED YOU ARE NOW REAGGING THIS ACCOUNT BY RE INSERTING THIS ON MY CONSUMER REPORTS WITHOUT NOTIFYING ME OF SUCH ACTION. DELETE IMMEDIATELY AND PAY MONETARY RELIEF FOR YOUR VIOLATIONS UNDER THE FCRA AND FDCPA
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's 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 that tracking these transactions was unfeasible. The CFPB 's 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. this lack of accountability and transparency is unacceptable and raises serious concerns about consumers saftey
Product: Credit reporting or other personal consumer reports

FCRA 605B, I believe, mandates the removal of any erroneous accounts from my credit report. Can you verify the documents? Some of the accounts listed contain inaccuracies in reporting, including incorrect amounts and dates.
Product: Debt collection

Portfolio Recovery calls my family members, including XXXX year old child with a non published number. They say that they are trying to reach me before they issue a warrant for my arrest and that if my family member would like they can pay the amount to prevent me from going to jail.I have called the number back and requested debt validation.I never receive anything, no calls for a couple of months, then it starts all over again.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed serval inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that the credit bureaus will investigate this account for me to ensure accuracy Here is the account I am asking you to verify as accurate : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I called to guys to resolve a resolution the issue one of your representatives transferred me to XXXX XXXX XXXX I talked with them but your company the bureau inc is still showing on my credit report and should be revived removed or updated so if I decided to pay or come time a a agreement what will that do for me I dont want to see no documentation I want to see some further steps
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a check by mail from a company/business as a payment to wrap my car with XXXX Ad, I deposited the check to my account thru the mobile app, few days later when I call to check if check has cleared I was informed check was fraudulent and my account was closed and reported to the ChexSystems, but I think I was a Victim of Fraud, I filed a dispute with ChexSystems and provided copy of all the email messages I had with the company that had mailed me the check.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had 2 tax Liens that fell off my report and only gained 4 points. Each negatively reporting tax lien is worth 30 points each my score should have risen by 60 points. Nothing else on my report changed but that so it should have increased. Also my second complaint is they removed a positive tradeline without me requesting it. The company is Transunion and the 2 tax lien were  removed betweenXX/XX/XXXX & XX/XX/XXXX My score before the removal via XXXX XXXX  was XXXX after the removal my score went to XXXX with no other negative changes. I believe I didn't receive all the points I should have received. The second issue they also removed a positive tradeline which was XXXX XXXX XXXX betweenXX/XX/XXXX -XX/XX/XXXX causing my score to drop to XXXX. 

Tax Lien account # XXXX Tax Lien account # XXXX Please see screenshot attachments
Product: Debt collection

1. Consumer contacted on XXXX XXXX for a billing which was rendered less than XXXX days ago XXXX XXXX, 2015. 2. Customer paid half the billing without even allowed to review it. Address change and move to new address happened on XXXX XXXX, 2015. 3. Agency was given new address and consumer still has not received billing. Agency refused to identify its license number or forward calls to upper management or give email address for complaint and resolution. Credit Management Associates advised that the invoicing would be stayed for XXXX days and this has not happened as of XXXX, Full name of all management personnel refused access. Violation of and inappropriate contact for a {$68.00} with which {$34.00} was paid pending receipt of invoice. Collection Personnel not allowing access or refusing to take message is XXXX XXXX. Mgr who does not take calls are XXXX XXXX and president who does not answer or take calls is XXXX XXXX.
Product: Student loan

I am the cosigner on three Sallie Mae loans with my son, XXXX XXXX : Sallie Mae Smart Option Loan # XXXX ( current balance {$54000.00} ) Sallie Mae Smart Option Loan # XXXX ( current balance {$53000.00} ) Sallie Mae Smart Option Loan # XXXX ( current balance {$23000.00} ) These loans are currently in forbearance as my son can not make the monthly payments which are {$570.00}, {$630.00} and {$250.00} respectively. While the loans are in forbearance ( which will end XX/XX/XXXX ) I attempted to contact Sallie Mae to work out a payment plan. Sallie Mae refuses to discuss ANY type of payment plan until the loans are in default. Obviously these loans going into default will have a strong negative effect on both mine and XXXX ' credit standing. I have tried to be proactive and attempt to work with Sallie Mae to make payments that are affordable. I can not understand why Sallie Mae refuses to even discuss any type of affordable payment plan until the loans are in default. This makes no sense either for them or for the consumer. Why are they so unwilling to work with a client who genuinely wants to be responsible and get the loans paid and NOT default?
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX SAYS THEY ARE MY SERVICE PROVIDER I UNDERSTAND THAT THEY ARE THE SERVICER SINCE XXXX. THATS A LIE. I BELIEVE THE MORTGAGE HOLDER IS. XXXX XXXX XXXXXXXX XXXX. XXXX XXXX FILED 3 FORECLOSURES ON MY HOME. THEY ARE A CORRUPT DEMOCRAT COMPANY. I AM CURRENTLY IN COURT WITH XXXX XXXX BANK. THEY KEEP CHANGING THE LAWYERS AND SERVICERS. DEFAMATION LAW WILL BE FILED SOON
Product: Credit reporting, credit repair services, or other personal consumer reports

I accordance with the Fair Credit Reporting act XXXX the following Account numbers have violated my rights : XXXX XXXX XXXX XXXX - Account # XXXX XXXX XXXX XXXX XXXX - Account # XXXX U.S. Department of Education - Account # XXXX DEPT OF ED / XXXX  - Account # XXXX XXXX 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 an account without my written instructions.
Product: Checking or savings account

XX/XX/XXXX I got a notice that my card was declined due to low funds.. 3 hours later I got a email saying my account was negative.. so they took the money out of my account and now I'm negative {$80.00} don't have other dates but will say this is not the first time this has happened, im low income as it is. But have to pay out for fees I don't have the money for. Card endingXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX ] [ XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX [ XXXX XXXX ], [ MI ] [ XXXX ] SSN : [ XXXX ] | DOB : [ XX/XX/XXXX ] [ all 3 credit bureaus ] Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : Account Name : [ XXXX XXXX Account Number : [ XXXX Reason : [ NEED ACCOUNT REMOVED HAVE NO CLUE OF THIS, REMOVE HISTORY. ] By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX XXXX ]