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

I am filing this complaint against XXXX and ZuntaFi Corp for inaccurate, misleading, and deceptive reporting practices that violate the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and the Truth in Lending Act ( TILA ). 

I have formally disputed the account ( # XXXX ) on multiple occasions, yet XXXX continues to report incorrect and unverifiable data, including : False Reporting of XXXX Late Payments XXXX is reporting continuous XXXX late payments over multiple months, despite inconsistencies in balance and past due amounts. 
FCRA 1681s-2 ( a ) ( 1 ) ( A ) mandates that credit furnishers report only accurate, complete, and up-to-date information, which XXXX has failed to ensure. 
Billing Errors in Violation of 15 U.S.C. 1666B I have always paid as agreed, and this account should not reflect delinquency. 
XXXX and ZuntaFi are both responsible for ensuring the accuracy of reported accounts, yet they continue to misrepresent my payment history.

Failure to Conduct a Proper Investigation ( FCRA 611 ) My credit report states : Account was in dispute now resolved - reported by subscriber.

However, I never received verification of the debt or proper validation from ZuntaFi.

Under FCRA 611 ( 15 U.S.C. 1681i ), XXXX is required to conduct a proper reinvestigation and verify disputed information before marking the dispute as resolved. 
Failure to Verify Debt Under FDCPA XXXX I have requested debt validation from XXXX, but they have failed to provide legally required documentation, including : A copy of the original agreement with my wet ink signature. 
An itemized breakdown of all charges, fees, and interest applied to the account. 
A complete chain of custody proving legal ownership of the debt. 
Furnishing unverified debt information to XXXX is a violation of federal law. 
Re-Aging of the Account ( FCRA Violation ) Date Last Active is XX/XX/year>, but Date of Last Payment is XXXX discrepancy suggests re-aging, which is illegal under FCRA XXXX ( c XXXX. 
Experians Failure to Ensure Accuracy ( FCRA 1681e ( b ) ) Credit reporting agencies have a legal duty to ensure the accuracy and integrity of reported data before listing it on a consumers credit report. 
The contradictions in my credit report indicate that XXXX did not properly verify the furnished information before reporting it.

ZUNTAFIS HISTORY OF LEGAL DISPUTES & CONSUMER COMPLAINTS ZuntaFi has a documented history of legal disputes and consumer complaints, which raises additional concerns about the credibility of their reporting practices : XXXX XXXX ZuntaFi ( Case No. XXXX, Minnesota Bankruptcy Court ) Legal action was taken against ZuntaFi for financial misconduct. 
XXXX v. ZuntaFi ( XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX ZuntaFis business practices were challenged in court. XXXX XXXX XXXX XXXX XXXX ) Complaints Consumers have repeatedly reported billing errors, misapplied payments, and inaccurate credit reporting against ZuntaFi.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with 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. 
ACCOUNTS : XXXX  XXXX XXXX, XXXX  XXXX, XXXX XXXX INQUIRES : XXXX XXXX  XXXX XX/XX/XXXX, XXXX XXXX XXXX- XX/XX/XXXX, XXXX XXXX XXXX-XXXX  XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 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 ) ( 1 ) 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.
Product: Debt collection

I paid this with a check sent multiple checks already to pay this and they still reported to my credit and sent me to collections
Product: Credit reporting or other personal consumer reports

This is to folow up despite providing comprehensive documentation and evidence clearly demonstrating the fraudulent nature of the items in question, the responses I have received thus far have been unsatisfactory and have provided no indication of progress towards resolution. This ongoing lack of accountability and transparency has left me feeling powerless and betrayed by your company 's inability to handle this matter effectively. 

Furthermore, the prolonged delay in resolving this issue has had significant consequences on my financial well-being. I have experienced undue financial hardship and stress due to the presence of these fraudulent items on my credit file, which have hindered my ability to access credit and obtain favorable terms. 

XXXX a thorough and expedited review of my case, with a firm commitment to prioritize its resolution. 
Promptly remove all fraudulent items from my credit file and provide confirmation of their deletion. 
Provide transparent and regular updates on the progress made towards resolving this matter, including specific timelines for action. 
Implement measures to prevent similar incidents from occurring in the future, including a comprehensive review and enhancement of your company 's procedures and protocols for handling fraud-related issues. 
Failure to address this complaint promptly and satisfactorily will leave me with no choice but to escalate this matter to the relevant regulatory authorities and seek legal recourse to protect my rights and interests. With this, I am asking for your assistance to remove these fraud items in my credit file 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
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
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
Product: Credit reporting, credit repair services, or other personal consumer reports

I have no choice but to submit complaints against you with the CFPB for failure to remove or correct inaccurate information on my credit report. I would even go as far as to say that its negligence being that I notified you several times informing you that I sent a letter to the creditor, and they updated the account. The only credit bureau that is accurately reporting the account is XXXX. I will attach the letter sent to the creditor, which is dated, and time stamped. The updated XXXX credit report is updated as well. I need these items corrected per my request below. ATTORNEY GENERALXXXX XXXX
Product: Checking or savings account

I open a checking account with this company Square in order to take payments for my business. I had my customer make a payment and the moment they did the company put a hold on my money to verify some more information so I did. They said it would be released in one business day has not Been released I called The company they said now itll take one to two business days. I asked to speak to a manager. They refused the customer service person. I was talking to give me their name. I asked him to verify my phone number so they could call me. They verify my phone number, so I just released me
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraudulent Account Appearing On Credit Report. 1. XXXX XXXX XXXX {$4600.00}
Product: Credit card

My daughter 's wallet was stolen in XXXX on XX/XX/2024 and in her wallet were several different credit cards. She didn't realize that her wallet was stolen until the cards were used at XXXX in XXXX and we got fraud alerts where we immediately reported the cards were stolen. 

All of the cards were used to try to purchase something and one card didn't even have enough credit while for this specific card I actually got an email at XXXX asking me to confirm the purchase but I clicked no, something is wrong. Chase said that the card was tried three different times so I don't understand why they still charged us or let the purchase go through after I clicked something was wrong. 

We got charged for {$2500.00} on XX/XX/2024. At first Chase refunded us back the money, but then on XX/XX/XXXX, they denied the claim and charged us the amount again. 

I've called multiple times explaining the situation and also gave the police report, and they investigated again but denied the claim again on XXXX XXXX. They didn't provide any information about why they denied the claim and said that I had originally reported the card as lost instead of stolen so they thought our claim was fraudulent.
Product: Credit reporting or other personal consumer reports

I am writing to address discrepancies in my credit file. Despite consistently making payments, an inadvertent missed partial payment caused my credit report to reflect as 'late ' from XXXX to XX/XX/2023. This error is hindering my ability to refinance my house and alleviate financial strain. Attached is documentation illustrating a partial payment of {$1200.00} on XX/XX/XXXX, followed by full payments in XXXX XXXX. The confusion arose when I made a full payment on XX/XX/XXXX yet received a late notification from XXXX XXXX dated XX/XX/XXXX, indicating a payment was overdue. Assuming the notice was issued post-payment, I proceeded with subsequent payments from XXXX and XXXX made over the telephone with a XXXX XXXX representative. At no time during the payments made over the telephone did a XXXX XXXX representative alert me to the missing partial payment. The issue only came to my attention in XX/XX/2023 when I made a payment over the telephone, the XXXX XXXX representative finally made me aware of my delinquent account. Throughout this period, my XXXX XXXX profile showed an 'unapplied principal ' of {$1200.00}, which I mistakenly interpreted as part of the loan balance, rather than an indicator of a missed payment. I had no idea that an unapplied balance meant there was a missing payment. I was assuming if it were late, the notice would outline Late, unpaid, or overdue. I even googled unapplied principle which read The Unpaid Principal Balance ( UPB ) refers to the amount of principal on a loan that has yet to be paid off. It does not include interest or any other fees that may be associated with the loan ; it only reflects the remaining balance of the amount originally borrowed. Even with a XXXX in XXXX, that read to me as if its just part of the loan. To date I have been struggling to make up the missed payment on my tight budget. I finally took out a loan from my XXXX XXXX XXXX to make a {$5000.00} payment and bring my mortgage current. I am requesting that the late payments are removed from my credit report. Furthermore, I request that XXXX XXXX  revise their late notification protocols to ensure the customer is aware of their delinquency and preventing similar occurrences. Enclosed is documentation supporting my request.
Product: Credit card or prepaid card

Hello, Once again I am not able to make payments on-line, there is blocked access to my credit card account payments page. I am being re-directed to an email verification page. Once again I have tried to clear cache with no resolve. Getting thru to IT help is sketchy but results in a reset that works but when going in to make payment it fails again.

I have been forced to make phone payments, and unable to edit my promotional balances with on-line access blocked once the re-direct happens ( we need your email info updated ) The error I receive states " please enter a valid email address '' Last month I had it freeze after access, and no confirmation of payment so I made a phone payment to avoid late payment. Two payments were processed. 

The company response is not helping, yet my complaints get closed. I will continue to report these occurrences as a matter of record, for any future action I guess? 

Please assist in at least reporting my issue somewhere so others can see that XXXX is not the greatest at internet banking access.
Product: Money transfer, virtual currency, or money service

XX/XX/2020 I am currently living on the streets. I was scammed for XXXX dollars while trying to find a apartment to rent. The scam involved me sending money through the XXXX app. I transfered the money through Chase/XXXX and than figured it was a scam once the scammer no longer kept contact. Contacted Chase and the told me nothing could be done, contacted XXXX and was told the same thing.
Product: Credit card

Case id XXXX bank of americalast four : XXXX had a credit of {$190.00} on my account. I closed the account. The allegedly refunded me XXXX but only refunded me once {$190.00} ( once through ACH and once through check ). I never got the check. Because, BOFA alleged that they refunded me XXXX, they put a balance of {$190.00} on my account affecting my credit. Everytime I call BOFA, they tell me that I am correct, they never send me the check and give it 3-5 business days to correct but it has been 2 months and it never got corrected. 

To avoid affecting my credit rating, I paid them {$190.00} for the XXXX illegal charge. Now BOFA owes me {$190.00}
Product: Consumer Loan

I have been getting phone calles from this company saying I owe them money. I have never opened a account with them and now call me countless times every single day saying the same thing over and over again about me owing them money. When I explained to them that I have never opened a account they said for me to contact you on this site and the phone call will not stop until I pay.
Product: Mortgage

We received two Good Faith Estimates before closing. One in the application and one after the appraisal came in {$5000.00} less than estimated in addition to the initial estimates provided ( also 1.96 % ) which we used to choose AAG vs other mortgage companies. 

Both XXXX 's before closing indicated a " Margin Rate '' of 1.96 %. The index rate dropped before the second XXXX so the initial rate dropped from XXXX to 2.796 % but the Margin Rate remained the same. 

However, at closing the Margin Rate was increased to 2.51 % to bring the initial rate back up to 3.180 % giving AAG an additional 0.55 % of profit for the life of the loan and penalizing us when the index rates go back up.
Product: Checking or savings account

I opened the saving account for the {$25.00} bonus. I was supposed to received the {$25.00} bonus after 3 consecutive auto transfers from checking to savings. I notice on XX/XX/2019 that automatic transfer was cancelled for not enough funds into my checking 's account. Therefore, I put enough funds in my account on XX/XX/2019 requested that the executive team reactivate my automatic transfer for the month of XXXX. Although Ms. XXXX reached out to me from the executive office, she failed to try to resolve my concerns ( case # XXXX ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing the delete the following information in my file. The items I need deleted are listed in my report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal trade commission and I also have enclosed copies of the Federal trade commission 's identity theft affidavit. Please delete the items as soon as possible this is really affecting my credit report which is stopping me from many opportunities. Also this will be my third time submitting these documents.
Product: Credit card

I do not recall getting, or signing up for this card, it is showing up on my credit report stating open in XX/XX/XXXX, the company closed XX/XX/XXXX, it also shows written off for XXXX, I have since filled bankrupcy XX/XX/XXXX so this should not be on credit report, plus it is almost 7 years later
Product: Bank account or service

My complaint is about overdraft fees and service charges to my bank account in excess of {$130.00} accrued in less than XXXX month due to overspending the account by {$40.00}. 

I opened a checking and savings account with Citizens Bank after receiving an incentive in the mail - open an account, receive {$200.00} after making several deposits. I initially deposited {$200.00} into the new checking account, and {$25.00} into savings. I made several purchases in XXXX 2015 and was charged XXXX {$35.00} overdraft fees totaling {$70.00}. Beginning XXXX XXXX and going on for the following XXXX days ( I am still unclear how long exactly this will continue or how to make it stop ) I have been charged an additional {$6.00} " service charge '' for " sustained overdraft fee '' EVERY DAY plus {$2.00} for the statement delivery. When I called the bank they were not able to clearly explain to me when the 10 days starts or stops. They also said it was not possible to close the account or cancel the fees until the account had been paid in full. I only overspent my account my {$40.00}. I am happy to pay that back as that was an accidental overage, but to now owe this bank almost {$140.00} more because they did not clearly explain their overdraft practices when I opened the account seems wholly unfair and unreasonable. Please help!
Product: Debt collection

XXXX XXXX XXXX, ( 3rd party collection agency ) acted in a very predatory manner. I found out I had a judgement placed on my credit XXXX XXXX XXXX ' ) by doing an annual credit check in XXXX XXXX '. Once I noticed this on my credit I reached out to XXXX XXXX XXXX. Immediately following my call, XXXX XXXX XXXX placed a garnishment on my wages. The problem is XXXX XXXX sent all court correspondences to my old address from 2013 in XXXX, NC. I had since lived at XXXX different addresses all in Virginia including the address that I was evicted from. After reaching out to XXXX XXXX XXXX XXXX XXXX ' they racked up {$5000.00} dollars in charges on my account and are garnishing XXXX % of my disposable income at {$1000.00} per month. I am a hardworking citizen and right now I am in another position for being evicted as well as defaulting on school loans, auto-loans and such forth. I had no clue about court dates or never received calls or correspondences as attempts to collect a debt etc. XXXX XXXX XXXX told me that they got the XXXX,. NC address off of an " credit report '' which on any recent credit report, has that address listed as it should be and it 's clearly not my last known address. The staff at this company has been rude and mis-leading. They have not come forth with information or ways to assist me, they have simply cut me off, given me shortened answers deferred my questions to their " legal department '' ( A manager named XXXX ), and they will not share any copies or paper trails of information concerning my case and the steps they took to contact me with alternatives to garnishment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to inform you that there is 100 % improper use of the credit report. Attached to the SSN! XXXX, XXXX, and EXPERIAN HAVE 1000 % VIOLATED THE FCRA, AND XXXX HIGHLY XXXX ABOUT THIS. I looked over the credit report and FOUND TONS OF INACCURATE INFORMATION ON THE CREDIT REPORT. INCLUDING ACCOUNTS THAT I NEVER GAVE YOU WRITTEN PERMISSION TO ADD ON ANY INFORMATION TO THE CREDIT REPORT! As instructed on your website, I've enclosed documentation providing proof of my current address, social security card, birth certificate, driver 's license, and a w2. 
. 
This is the final step BEFORE TAKING THIS INACCURATE, FRAUDULENT ACTIVITY IN FRONT OF A JUDGE. Under the FCRA, ONLY CORRECT INFORMATION SHALL BE ADDED TO A CONSUMERS CREDIT REPORT, and the information on the XXXX, XXXX, and EXPERIAN credit report isn't accurate AND ITS COMPLETE XXXX. I've spoken to a lawyer, and he told me that I COULD EASILY take THIS to court AND FINE XXXX, XXXX, and EXPERIAN {$1000.00} PER VIOLATION ( and there are many violations ). I DEMAND YOU, XXXX, XXXX, and EXPERIAN, TO REMOVE ALL OF THESE FRAUDULENT INCORRECT ACCOUNTS FROM THIS CREDIT REPORT WITHIN 24 HOURS OF RECEIVING THIS LETTER. YES, I WANT THE ENTIRE ACCOUNT FULLY WHIPPED OFF THE CREDIT REPORT WITH NO FRAUD REMARKS OR DISPUTE COMMENTS REMARKS LEFT ON THE CREDIT REPORT. 
IF THESE FRAUDULENT, INACCURATE ACCOUNTS DO NOT COME OFF THE CREDIT REPORT WITHIN 24 HOURS. THE LAWYER HANDLING THIS MATTER SAID HE WILL BE TAKING MASSIVE LEGAL ACTION AGAINST THE FOLLOWING CORPORATIONS FOR LETTING THIS HAPPEN : POTENTIAL LAWSUITS LIST : EXPERIAN, XXXX, and XXXX TO MAKE THE DELETION PROCESS EASIER FOR YOU, ATTACHED IS A LIST OF THE INACCURATE ACCOUNTS THAT NEED TO BE TAKEN OFF THE CREDIT REPORT ASAP. AND FRAUDULENTLY REPORTED INQUIRIES THAT NEED TO BE TAKEN OFF ASAP. 
15 USC 1681C-2 STATES I HAVE THE RIGHT TO PRIVACY AND A BLOCK OF INFORMATION. AND I NEVER GAVE ANY COMPANY WRITTEN CONSENT TO ADD THIS INFORMATION TO MY CREDIT REPORT! DELETE IT IMMEDIATELY! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX ExperianXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian/ XXXX XXXX XXXX - XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Experian I was late on my payment from XX/XX/XXXX - XX/XX/XXXX its illegal to report late payments. Please take this off. 

XXXX - XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Experian I was late on my payment from XX/XX/XXXX- XX/XX/XXXX its illegal to report late payments. Please take this off. 

Inaccurate inquiries that need to be removed : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX - XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX - XX/XX/XXXX XXXX