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

After reviewing my credit report I found that there were multiple late payments on my credit report that the creditor has been unable to verify them or provide documents proving I made late payments. Any reporting late payments or derogatory status is a direct violation of consumer law 15 USC 1681a ( d ) ( 1 ) this information is providing negative information it must be removed without validating these facts. 
Credit account XXXX XXXX XXXX XXXX I never gave written consent for these late payments to be reported under 15 US Code 1681b
Product: Credit card or prepaid card

This was a XXXX XXXX credit card with Synchrony Bank I signed up for around XXXXXXXX XXXX XXXX that offered zero interest for a year. I bought a laptop, set it on auto pay, called them to make the full payoff 10 months later. Just noticed recently that the full payoff was never made and it's been acrueing interest ever since the card was issued. Around {$2000.00} in interest they are charging me because they never closed the account despite them recording the call of me giving authorization to make the full payoff on that date years ago. Credit card companies record every single phone call, do I have any recourse of action to get them to own up to willfully not closing this account? Suing them into returning my money?
Product: Money transfer, virtual currency, or money service

I am wanting 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 failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeated offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
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 proce 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.
Product: Student loan

I fell into financial hardship after going thru a divorce and was not able to make my payments. I contacted the lender back in XXXX always reapplying for hardship and being granted. XXXX comes and they have intercepted my entire tax refund of close to {$8000.00} maybe more. I contacted the lender immediately asking what happened and why did they intercepted to which I was basically told that they didnt have the lean or garnishment placed so basically they dont know how it happened but didnt give the money back either. So fast forward a few years to XXXX I wanted to advance my degree so I went back to school thru a program that I was told and signed thru the XXXX  XXXX XXXX that as long as I graduated I would not be responsible for any debt. It would all be wiped clean, AS LONG AS I GRADUATED. I graduated with a XXXX gpa. Couple years later I go to buy a vehicle and when they ran my credit I was in default and hadnt made 1 single payment on a program I was told would not cost a XXXX as long as I graduated. I had XXXX pre teens and a XXXX year child I was also working full time kids and we were busy. Little by little the loans got paid down. Couple XXXX dollars or so per loan because after all their are 5 loans. Fast forward to XXXX I had to file for bankruptcy, a XXXX  XXXX. I had still always kept in communication with Naviant doing the yearly paperwork and when bankruptcy happened my attorney took over because they were listed as a creditor. Covid happened and we dont get to go to court until XXXX of XXXX. They removed the balance left owed from my credit report and all was done or so I thought. 6 or so months later I had my credit ran because we were moving and I got denied the house. Naviant had once again somehow took what showed a XXXX balance and added a debt back in to my credit so my credit dropped from almost XXXX to a XXXX. I didnt get the house and had to forfeit the deposit because I couldnt get things cleared up in a timely manner. When I finally was able to rent not buy but rent a house I had by then paid 12 application fees {$50.00} each and was charged 2 deposits plus 1st months rent because of the derogatory marks and low credit score. It didnt matter that I had the bankruptcy paperwork or that I was lied too or I was financially now ruined we had to have a home. My children had to have a home. This is now the end of XXXX and finally they are being held accountable for their actions. They didnt just do this to one family theyve did this to hundreds or thousands. All we wanted was to better ourselves and get a college degree. Shame on you Naviant, Shame on you!!!!
Product: Debt collection

Today is XX/XX/XXXX, I received a letter from Experian credit agency regarding my dispute of the item that has been on my credit profile since at least XXXX. There response is that the information I provided from XXXX  credit agency that stated the item was paid in full, was irrelevant, which is false, they have made a determination that the item is mine, treating the issue as Frivolous, I have took a lot of time to dispute this item and I am being ignored, which is very unprofessional coming from a agency like Experian. No Way this dispute is being verified and yet they continue to mail false letters of verification.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is reporting incorrectly an account where I am shown as an Authorized User on XXXX  - partial account numbers XXXX ; XXXX ; and XXXX. ( Please see pages attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on these accounts. XXXX  and XXXX  are reporting correctly. This incorrect reporting of me as an authorized user is harming my credit score and these line items need to be removed from my credit report. I have contacted the bureau to fix this issue however, I have not been successful.
Product: Credit reporting or other personal consumer reports

My car was totaled out and paid off in XXXX. After sending them the check and sending them the payoff balance of the car there were a few issues. It took them XXXX checks and over 40 days to see the payment added to my account. I was told that there was an issue with their mailbox that they received payments and there was a delay. During this time interest was still incurring on the account. After waiting for the payment to be added to the account there was still an outstanding balance which was not supposed to be. Ally had charged me extra fees and added other interest to my loan after the payoff amount was sent in. Because there was an outstanding balance that I wasn't aware of, the payments started to be late and they reported " late payments '' to my account for a car I never had and had already paid off. They caused me to miss out on opportunities for reporting this false information on my credit report. These unnecessary charges had to be paid and time and resources were spent on communicating with them to get this issue resolved.
Product: Mortgage

I successfully completed a conventional refinance with Box Home Loans ( https : //www.boxhomeloans.com/ ) two days ago, but the process was mired with delays and irregularities that I feel need be investigated by the CPFB. 

On XX/XX/2020, I submitted an application with a 60 day lock for a conventional refinance for two of my investment properties. During the application, it was noted that due to their rates being slightly lower than the market average, it was essential that all requested documentation be uploaded within a timely manner. Within 48 hours, I submitted all initial documentation through the website. 

On XX/XX/XXXX, I received an email from my assigned loan officer, XXXX XXXX, containing a link to a video with a message from the CEO. In the video, the CEO explains that due to heavy application volume, " Refinance loans, in some cases, may take up to 90 days, '' which would imply a closing date no later than XX/XX/XXXX. Given that knowledge, I continued my application with Box Home Loans. 

On XX/XX/XXXX, I was given notice that my application was submitted to underwriting for initial review. My application was not reviewed by underwriting until XX/XX/XXXX, a period of 82 days from when I submitted my documentation. During this window, I was charged for, and had, an appraisal completed without knowing if my application would be approved. 

During this 82 day window, I would frequently try to contact Box for updates on my loan. Phone calls always went unanswered, but emails were responded to. I was told that due to their pipeline being 500 % of normal, they could not process my loan in a timely manner. I suggested that they slow or stop taking new applications so they could focus on completing the existing ones, but this fell recommendation was not implemented. 

On XX/XX/XXXX, I was assigned a loan processor who had a couple requests for followup documentation. I provided all documentation to her within 24 hours and the file was resubmitted to final underwriting. It took until XX/XX/XXXX until my loan was cleared to close by underwriting. We are now on day 118 of this process, even though the CEO I should expect no more than 90. And I feel like this would have been slower were it not for what seemed like my incessant haranguing of my loan officers. The loan funded on day 120. According to XXXX XXXX, conventional refinances in XXXX took an average of 54 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am having a problem with Advanced Resolution Services INC. they will not provided me proof of verification of a Bankruptcy Chapter XXXX on my public records. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ) and Bankruptcy Court you are required by federal law to Verify-through the physical verification of the original signed consumer contract-any and all accounts you post on my credit report. I demand to see Verifiable Proof ( an Original Consumer Contract with my Signature on it ) you have on file of the accounts on my public records. I have enclosed a copy of the method of verification letter that was sent to Advanced Resolution Services Inc. as well as a letter from the Illinois Federal Bankruptcy Court stating they do not give any information to any third party Advanced Resolution Services INC. Also my Social Security Number is not listed as well as my address is incorrect.
Product: Mortgage

XXXX XXXX  : After completing three home equity loans applications with NFCU, I have come to the conclusion I am not being treated fairly and this apparent discrimination seemed apparent after the second application was filed. The first was with my husband, who has a previous bankruptcy on his report. I do not. My husband also has a HELOC, I do not. I was told about this and that I should complete another application without him, which I did. My credit was approved, but I was told UW denied my application based on items that are in my husband 's file and then made invalid comments that my file with other institutions was not satisfactory. Upon hearing this I requested a re-consideration and later completed yet another application. I was told by the loan processor they could not get my credit report and could not move forward with the loan. This is ironic since the prior two applications did not have this problem. Additonally, I never heard from the person and supervisor I sent the reconsideration to. 
Prior complaint : This is the second complaint that I've filed against NFCU. The first dealt with a negative remark on my credit report although there are no late or missing payments. Yet NFCU placed a comment that reads " derogatory '', but only on a third party credit reporting agency and not the three main credit report agencies. The response to CFPB is that they will not remove correct data, however, THEY DID REMOVE THAT COMMENT THAT READ DEROGATORY,.
Product: Credit reporting or other personal consumer reports

These inaccuracies have been disputed consistently for two years and Experian refusing to correct them. It is very clear that a proper reinvestigation is not taking place. It is also very clear that the CFPB is not doing it's job and ensuring the CRA 's or data furnishers are providing the consumer with accurate report.

My dispute letters will be attached containing the incompleteness and inaccuracies listed on my report. These letters have also been sent to Experian and XXXX XXXX XXXX via certified mail. I can only assume that I will get the same response I have for the past to two years so I legal proceedings will began as well.

This is my final XXXX attempt to correct my consumer report. If you don't fix my XXXX this time, get ready to cut me a XXXX check because I'm suing your XXXX Experian.
Product: Credit reporting or other personal consumer reports

These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( XXXX ) as proof from the US Federal Trado Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.. An FTC report has been made months ago, I will attach it.
Product: Credit reporting or other personal consumer reports

To Whom This May Concern, accounts below need to be updated immediately for late payments. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ACCOUNT TYPE : Auto Loan In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting

XXXX my Credit cards was compromised, taken over by an identity theif ... as well as my email was hacked. 
I contacted the CC and reported this. I also put an alert onto my credit through you. I recieved my credit report and see that you have the HACKERS address listed as mine. 
The Theif 's address is : XXXX New XXXX XXXX XXXXXXXX XXXX ( address ID # XXXX ) I have NEVER lived XXXX, nor do I have friends or family there. 
I have lived XXXX for the past 27 years, and XXXX where I own a home and have lived for over 10 years at the same address : XXXX XXXX XXXXXXXX. XXXX am NOT moving. 
Please remove the XXXX address from my report IMMEDIATELY as that is the identity theif, Not me. 
I just call the CC to see why I did nor recieve my new CC, they said the Hacker/Theif had gone in and changed my address and mothers maiden name AGAIN. 
Because you have the error address on my report, this theif may be able to get into all my accounts. 
I spent a whole day trying to fix this and calling all my accounts on XXXX, and the theif has already gone in again and changed my info. 
PLEASE help! I am no a wealthy person and can not afford to loose money or credit. Thank you, XXXX XXXX XXXX XXXX
Product: Debt collection

Unauthorized credit inquiries, made by specific companies, were detected on my recent credit report, a clear violation of the Fair Credit Reporting Act Section 1681b ( c ). I demand validation from these companies, requesting copies of any documentation with my signature authorizing such inquiries, and in the absence of such evidence, prompt removal of these fraudulent inquiries within 30 days, as stipulated by the Fair Credit Reporting Act section 611.
Product: Credit reporting or other personal consumer reports

In XXXX of XXXX, I did a balance transfer from XXXX to XXXX XXXX XXXX XXXX visa ). That payment was accepted and cashed. I believe at the time there was transfer by XXXX XXXX from Synchrony to XXXX. However, payments to Synchrony were still being sent to the address that they had listed. 
After 2 months the balance transfer was still not showing. So I created another balance transfer at this time. A month later, I called Synchrony to find why my account was still showing a balance. I was able to clear up the confusion in XXXX of XXXX. Although, in XXXX of XXXX the correction that was cleared up. A new balance on my credit report as well as new statements from Synchrony were being sent to me. 
Harassment from Synchrony has persisted since early XXXX.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX  XXXX XXXX  XXXXXXXX XXXX XXXX  ny XXXX {$3200.00} I disputed with the company listed above that this account is fraudulent. i was told the account was verified and no proof was shown to me of how the account was verified.
Product: Credit reporting or other personal consumer reports

et late payment in my credit report , im never pay late.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the accuracy of a collection account listed on my credit report under the account # XXXX XXXX XXXX  I previously requested debt validation from the collection agency handling this account, but they failed to provide the required validation. Proof of Ownership and Chain of Assignment/title : Documentation showing the full chain of custody of the debt, from the original creditor to your agency, including all sales or transfer agreements, current debt owner, proof of purchase of this debt in accordance with Regulation F ( 12 CFR 1006.30 ( b ) ). Because of securitization this debt was placed in a private trust pool of mortgage-backed securities. 

According to the Fair Debt Collection Practices Act ( FDCPA ) 809 ( a ), a collection agency must provide verification of the debt upon request. Since the collection agency has not provided this validation, the collection account should not be reported on my credit file.

Under the Fair Credit Reporting Act ( FCRA ) 611 ( a ), I am requesting that you reinvestigate this matter. The continued reporting of this collection account without proper validation is inaccurate and violates the FDCPA. 

Please remove this collection account from my credit report and provide written confirmation of this action. If the collection agency can not validate the debt, the account must be deleted from my credit file as required by law. 

Additionally, this letter serves as a formal cease and desist against any further collection activity related to this account. 

Thank you for your prompt attention to this matter. I look forward to your response.
Product: Credit reporting or other personal consumer reports

I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 
XXXX XXXX XXXX  XXXX Balance : {$69000.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX FIN XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XX/XX/2022 XXXX XX/XX/2022
Product: Checking or savings account

I opened an account with TD bank at XXXX XXXX XXXX, XXXX, MA XXXX on XX/XX/2018. During which time they were running an online promotion for {$300.00} bonus if you open a new account with the bank. So I opened an account and met all the requirement to receive the bonus, confirmed by the corporate representative and TD Bank branch manager XXXX. However, to this date, I still havent received my bonus. I have called the branch throughout last year to raise my complaint, I have spoken with XXXX and XXXX, numerous times who promised would have this matter resolve. Nevertheless, every time I called, all they call tell me is they're working on it. They couldnt tell me how long the process will take, or when will this issue be resolved ( which has been over a year ). All they can tell me is to wait. And one time they told me they have no records of the promotion, so I provided them a copy of their promotion that I was eligible for in 2018 on their TD bank official website. I havent heard back from them ever since. I have made numerous calls to TD bank corporate and the TD bank branch in XXXX, but all they can tell me is to be patient. I was supposed to receive what they promised a year a go and I still havent. The behavior of the bank is extremely unethical and they're false advertising the promotion so the customers would open bank accounts with them.
Product: Credit reporting or other personal consumer reports

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than XXXX XXXX XXXX Ive already included this in my previous Complaint & I am including it again., XXXX XXXXXXXX XXXX Balance : {$2400.00} XXXX XXXX XXXX XXXX Balance : {$3100.00} XXXX XXXX XXXX Balance : {$13000.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$6600.00}