23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to the credit bureaus XX/XX/2023 informing them of an inaccurate account on my credit report. I do not believe an investigation was done because the account XXXX XXXX XXXX XXXXXXXX is still reporting. As stated in my letter, I was a victim of the XXXX data breach and I think my information was compromised because I do not recall opening an account with this creditor. I contacted the creditor by mail, and they have failed to respond or validate this information so why is it reporting on my credit report? Also, how can there be different years listed in the date of last activity for each bureau when all data furnished should be the same? This is the date that stipulates when my account will naturally fall off. This is a violation of the FCRA. I will attach the XXXX data breach claim as well as the inaccurate credit report. I am demanding that this account be removed within 15 days since this is not my first time reporting this account.
Product: Mortgage

Going through a divorce I learned that Rocket Mortgage offers release of liability. I had to - pay off a HUD deferment ( over {$19000.00} ) - send 6 months of bank statements showing payments were made - proof of legal separation I paid off the HUD, sent the statements and wrote a letter stating we were legally separated. All this was done per the advice of Rocket Mortgage. 
I had to go through several rounds of sending in documentation because the requirement kept changing ( not the right paragraph with regards to legal separation, being notarized, screenshots of my bank info etc ). 
I have now learned that there is no legal process for separation in XXXX  ( XXXX of only XXXX states that does not recognize legal separation ). 
Rocket Mortgage is discriminating against XXXX  as we are not able to get proof of legal separation and have to wait until the divorce is final. This is unacceptable and- this puts undue pressure on my family specifically my children - I didn't have an extra {$19000.00} lying around so I had to borrow money Not to mention this is extremely bad customer service.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. XXXX XXXX XXXX Inquiry : XXXX. XXXX, 2020, XXXX XXXX XXXX Inquiry : XXXX. XXXX, 2020, CITI CARDS/CITIBANK Inquired on XX/XX/2020. But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.
Product: Credit reporting or other personal consumer reports

I was in an XXXX   and hurt my knee but didn't require emergency services. The Trooper said he would give me a ride to get checked out after the tow truck got there but after having to stand for nearly 3 hours I was exhausted and requested an ambulance to take me the 19 miles. When they arrived I explained only my knee was hurting. When I got to the hospital it would be another two hours wait so decided to leave and walked down the street for a hotel. Later I received the bill totaling over XXXX XXXX dollars for a 19 mile ambulance ride. They State the reason for the heightened charge was life saving medical attention was provided. I'm not a medical professional and nothing was explained to me of what they were doing. I was very clear in stating my knee hurt and they said we need to check your vitals. Yet they are claiming that because they put some sticky receptors on me they were providing life saving medical help which is fraud and malicious in every sense of the word. Taking advantage of people who don't know what they're doing. I have no issues paying for the ambulance transport if anything remains after the amount my insurance has already paid but I will not pay for the medical overbilling fraud. Because of this they reported it to collections and have put it on my credit snowballing into a increased fees and massive drop in credit worthless with far reaching ramifications. I have asked over and over for it to be removed. As I understand it, they are also violating several HIPPA laws in the process. There has to be something that protects people from these people throwing their weight around and blackmailing people to pay or else. I want to seek legal action for violating my rights but will settle for them removing this from my credit. As it stands both TransUnion and Equifax have stated that they did a thorough investigation and found these charges to be verified. I have asked over and over for the process they used and proof of the results they claim to be valid but my requests have fallen on deaf ears. I'm at wits end on whatelse to do as they just ignore my requests for proof. Please advise what I can do to protect myself from this abuse of power.
Product: Mortgage

Loan care continues to report me late on my mortgage and I have emailed them several times to no avail. Who can I talk to about resolutions? 

They also reported me XXXX and continue to tell XXXX that I am XXXX. My mother XXXX and by them reporting me XXXX is bringing up XXXX, making it hard to switch services. I asked them to remove it but they refuse. It was the companies responsibility to make sure when I made the payment on XX/XX/XXXX to make sure I was paid up. 

Here is a copy of one of the emails I sent them : First you report me XXXX to the credit bureaus, and AFTER I paid the past two payments of more than $ XXXX, you still report he with past due. It is your RESPONSIBILITY to make sure that when I made the payment of more than $ XXXX to INCLUDE ALL LATE FEES, which you failed to do. I am current with my payments and expect ALL of my statements to REFLECT as such. I am putting this in writing because I need a paper trail in case of further inquests. Below are the payments I made : XX/XX/XXXX LOANCARE SERV XXXX : MTG PYMT ID:XXXX XXXX : XXXX ID:XXXX,XXXX XX/XX/XXXX LOANCARE SERV XXXX : MTG PYMT IDXXXX XXXX : XXXX ID:XXXX,XXXX XX/XX/XXXX LOANCARE SERV XXXX : MTG PYMT ID:XXXX XXXX : XXXX ID:XXXX WEB XXXX XX/XX/XXXX Show additional information for activity type other payment XXXX LOANCARE SERV XXXX : MTG PYMT ID : XXXX XXXX : XXXX ID : XXXX WEB activity type other payment status type icon cleared Cleared. Select to mark activity type other payment XXXX LOANCARE SERV XXXX : MTG PYMT ID : XXXX XXXX : XXXX ID : XXXX WEB as Reconciled XXXX
Product: Bank account or service

i tried to apply for a loan and was told i had a returned check for {$25.00}. i applied at the only bank i use and they know ive never had a returned check so we are both cconfused as to why this is on my report? i also contacted the supposed place i had the returned check and they looked into their records for this time frame and they have no record of any returned checks. this is an obvious error.
Product: Credit reporting or other personal consumer reports

Following the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681, the accounts below have violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : A consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information or 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 ) ( a ) 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. 

Please delete the accounts listed below : - Creditor name : XXXX XXXX Date of the inquiry : XX/XX/XXXX. 
- Creditor name : XXXX XXXX. Date of the inquiry : XX/XX/XXXX. 
- Creditor name : XXXX. Date of the inquiry : XX/XX/XXXX. 
- Creditor name : XXXX XXXX XXXX. Date of the inquiry : XX/XX/XXXX. 
- Creditor name XXXX XXXX XXXX. Date of the inquiry : XX/XX/XXXX. 
- Creditor name : XXXXXXXX XXXX XXXXXXXX. Date of the inquiry : XX/XX/XXXX. 
- Creditor name : XXXXXXXX XXXX XXXX Date of the inquiry : XX/XX/XXXX. 
- Creditor name : XXXX XXXX XXXX XXXX Date of the inquiry : XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late.

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Product: Vehicle loan or lease

XXXX XXXX, XXXX RE : Swindling consumers selling broken cars just to take consumers money To Whom it May Concern : I need help from being abused-threaten as a customer buying a used vehicle on XXXX/XXXX/XXXX. This dealer, XXXX XXXX -Concorde Auto loan, promised my XXXX XXXX XXXX XXXX 2yrs warranty or 20000 miles or so for repairs or anything go wrong with the vehicle. 
When I actually took the vehicle home and drove this car, then dashboard warning lights come on ; such as check engine, service escape, motor lock warning, traction light, as well vehicle was hesitant to start up and go ; steering wheel hard to turn doing such a time. So, I first taken the vehicle to XXXX XXXX for repair on more than one occasion. They did not make any repairs each time keeping me 4-6 hours at their place of business to check the vehicle. Only later on claiming they were not able to fine anything wrong with the car. The staff then told me to take the vehicle and get a diagnostic check ran on it. Now I believed that was why I brought the vehicle to them the last time. I continue to make regular monthly payment. 
The XXXX continue to frighten me to a point of fear of being stranded. So, I had to take off work or spend all day as well as go on Saturday for them to not help or fix the car. When I complaint to them they told me again to take the vehicle for diagnostic, just let them know before hand. I gone as long as I tolerated this all the way up thru less than 6 months of owning this vehicle, while paying the car payment ; then I took the XXXX to XXXX XXXX. During this time I spent nearly totaling XXXX in repairs to get this vehicle running under 6 months owner. Okay, I got the diagnostic done and still paid car note and for repairs out of pocket. Originally I paid XXXX or so for the first part of the repairs needed. The staff at Concorde then moved a payment for me to the back of my note. The vehicle started to stale on me so I had to take it back to XXXX XXXX where I paid another XXXX or so for repairs. I can not afford to pay that kind of money for car repair and the car payment. I have vehicle insurance that do not cover this type of vehicle problem. I need the car to perform my job. I feel it only fair for Concorde to take off funds that I spent to fix the car from my note. I spoke with Concorde manager, who told me they moved a payment once and that they were not able to do it anymore for this XXXX car note payment. 
I can not afford to fix a car that I just recently bought and pay a car payment as well. I told them this and I let Concorde staff know that I would talk to my lawyer about selling me a lemon car and wanting me to pay for the car note and pay to have repairs fixed in such a short time of owning the vehicle. Please help me Please see the attached paperwork of this matter. XXXX/XXXX/XXXX recd threaten letter to accelerate debit owed. 
Confused=Mistreated consumer XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Allied Collections Services has repeatedly ignored my requests to send out a pending balance letter. I can not confirm the amount owed with the vendor either as my bank ledger shows how much I have paid to the original vendor and to the collection 's agency and neither could verify the amount paid to them. Vendor is : Allied Collection Services ( on behalf of XXXX XXXX ) XXXX Phone number ( XXXX ) XXXX Get Directions XXXX XXXX XXXX XXXX , XXXX XXXX, NV XXXX
Product: Credit reporting or other personal consumer reports

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance XXXX {$0.00} ; XXXX XXXX XXXX XXXX XXXX {$46000.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX  XXXX Balance : {$0.00}.
Product: Credit card

The advertising around the rewards program for the Alliant Cashback Visa Signature Credit Card is misleading and deceptive, and Alliant is not properly administering and applying the qualifying events and rewards program as advertised : https : //www.alliantcreditunion.org/bank/visa-signature-card
Product: Credit card or prepaid card

I was charged interest of {$20.00} on my Chase credit card for the XXXX bill that was due on XX/XX/14 total due was {$1900.00}. I paid {$1900.00} and and redeemed {$26.00} for the total payment {$1900.00}. This was paid on XX/XX/14 At XXXX XXXX. I was short by XXXX cents. That was a mistake on my behalf. 
I'm being charged interest of {$36.00} on XXXX billing due on XX/XX/14. I emailed them about it and was told to accept it. Was told my payment was late. It was not.
Product: Credit card

On XXXX XXXX 2016 a charge was made on my Citi Card for {$930.00} with XXXX XXXX for a XXXX game in XXXX. I neither made the charge myself or authorized it. I immediately called Citi Card and was connected to security in XXXX and was assured they would credit my account and cancel my credit card while issuing me a new one. I took this personally so I called XXXX XXXX and XXXX XXXX to advise the tickets were purchased with a stolen credit card. XXXX assured me the order would be cancelled. 
I received a letter fro Citi Card dated XXXX XXXX, 2016 advising me I had been issued a permanent credit. it was a form letter from Customer Service with no signature or phone number. 
I received a letter dated XXXX XXXX, 2016 telling me that there was documentation showing I had the tickets mailed to my home and they were reversing the credit. Their own documentation from XXXX show the tickets were printed off the Internet so this is not true. The tickets purchased were for a basketball game that evening so it never came by mail. I called Citi Card security on XXXX XXXX and the person in the XXXX put me on hold for over an hour. He could not help me. I called Citi Card Customer service on XXXX XXXX and they could not help me. I reiterated I did not purchase those tickets and needed to speak to someone in the United States. They could not do that so I got security in the XXXX after being on hold for over 45 minutes. He took my information and said he was going to forward it to the United States to the Recovery unit. He could not give me a name or number. I asked about timeframe for resolution and he really did not know but said 2 days. It has now been 3. 
I mailed a letter on XXXX XXXX, 2016 to Customer Service in XXXX XXXX since that is where the letter came from. 
Citi Card claims that one of the benefits with the card is {$0.00} liability if someone uses the card without my consent. I feel as if I am being called a liar and a crook. I am a XXXX year old on Social Security and did not purchase these tickets. I feel as if Citi Card cares more about the vendor then their customer.
Product: Credit reporting, credit repair services, or other personal consumer reports

theses are hard inquiries on my report.That needed to be removed.      XXXX   XXXX   XXXX   XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX, Consumer and natural person am a victim of Identity theft. XXXX, XXXX and Experian have used and furnished my consumer report without my consent, authorization or written instruction. They allowed companies to share my nonpublic personal information without consulting me and used that information to furnish. Congress makes it clear that the consumer has a RIGHT TO PRIVACY! XXXX, XXXX and Experian have violated my federally protected right to privacy by failing to meet the needs of congress by ensuring that the exercise their grave responsibility with respect of the confidentiality of my personal information. The Fair Credit Reporting Act was intended to ensure that consumer reporting agencies exercise their responsibility with fairness, impartiality, and respect to the CONSUMERS RIGHT TO PRIVACY! XXXX, XXXX and Experian are in direct violation of the FCRA and Gamm Leach Bliliey Act of XXXX
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling 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. I was informed that the return of funds would be impossible to retrieve and that these transactions were infeasible. The CFPB findings indicate that Zelle has not neglected to protect consumers but allowed repeated offenders to exploit the systems leaving users vulnerable to scams. The lacks of accountability and transparency is unacceptable and raises major concerns about consumers safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

it has been more then 35 days since I ' ve sent my letters to the 3 credit reporting agency and i still haven't received any responds. Brady v. U.S., 397 U.S., 742 at 748. Waivers of Constitutional Rights must not only be done voluntarily, they must be knowingly intelligent acts done with sufficient awareness of the relevant circumstances and consequences. I am not a debtor. I am a Secured Party Creditor that DISCHARGES ALL DEBTS PURSUANT TO 73RD CONGRESS. SESS 1. CHS. 48 49. JUNE 5, 6, 1933 HJR 192 HR 1491 PUBLIC LAW 1 48 STAT 1 PUBLIC LAW 10 CHAPTER 48 STAT 112 PUBLIC LAW 73-10 40 STAT 411 TRADING WITH THE ENEMY ACT ( TWEA ) OCT 6, 1917. I told the 3 credit reporting that I am an identity theft victim and I have absolutely no knowledge of the alleged debts listed on their website. I am an eyewitness the information is incorrect and I demand the validation of all debts alleged to be mine listed on your website. I have attached a copy of an identity theft report filed with the Federal Trade Center and demand you cease and desist from the presentment of all information alleged to be mine in order to avoid any possible liable for the identity theft or data breach of personal information. I require a fraud alert on my account and all visible information completely blocked and deleted upon forwarding of the identity theft report and this affidavit of truth to any alleged creditor. Please Block this information from my credit report, pursuant to section 605B of the fair credit reporting Act, and send the required notifications to all furnishers of this information. I AM A VICTIM OF FRAUD, IDENTITY THEFT, and or BOTH and I HAVE IDENTITIFIED this ACCOUNT and its derogatoriness as being associated with the above-mentioned unfair circumstance. As is my consumer right to do so, I here now DEMAND BLOCKAGE of this claims reporting and additionally demand ERADICATION of claims debt ( s ), if any, should the alleged data furnisher fail to timely and adequately validate the claim in whole in writ document form undoubtable. I FURTHER DEMAND that any associated events and or accounts and or inquiries and or reported data be as well fully eradicate and permanently so. FRAUDULENT events OR those resulting from identity theft can NOT be adequately compliant in its report-ability NOR its adequate ethical collectability and the DEMAND is that either is to cease immediately and permanently.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to Equifax XXXX XXXX XXXX to request access to my credit report because I have not be able to gain access in over 2 years. I called them and when I gave them information to verify who I am they told me that's not the information they have on file. I have only ever used 2 addresses and only one name, my legal birth name. They refuse to accept any identification I send them to update my file so I can get access to my report and score. I have send letters after letters requesting an investigation be completed and they refuse to do so saying the letters are not valid. I am ready to file a petition against Equifax for withholding my credit file and not allowing me to challenge items on my file.
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 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 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 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