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

My account with ( XXXX, XXXX XXXX ) was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in ( 30-90 days ) 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. 


( XXXXXXXX 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: Checking or savings account

5/3 is refusing to let me access my funds. I am sitting here on my way to work trying to get gas and the customer service rep refused to unblock my card. She repeatedly refused to answer me when I asked if she would unblock it and continued ask me about my granular transaction history to verify random payments. I continued to ask if she could unblock my card but she refused and hung up on me, leaving me stranded without access to my funds. It is unacceptable that they turn on and off my access without notifying me and then refuse to reverse the block when asked.
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. 
I want the CFPB to publish this description on consumerfinance.gov
Product: Vehicle loan or lease

Regional Acceptance Corporation denied me a loan for automobile financing on XX/XX/2022 ( violation of 15 USC 1601, 15 USC 1611 and 15 USC 1691 ).
Product: Credit reporting, credit repair services, or other personal consumer reports

It has XXXX XXXX as an inquiry on my report but after calling both XXXX which I never applied with and Experian, Experian will not remove it.
Product: Debt collection

I am a victim of identity theft. Someone stole and used my personal information to apply for a payday loan. I never applied for a payday loan. I keep receiving harassing and threatening phone calls from National Credit Adjusters representatives in regards to a debt that do not belong to me and is the result of identity theft.
Product: Debt collection

Calling/Coming to my home day and night pretending to be a court officer also. taking pictures of my home
Product: Debt collection

Dear CFPB Representative, I am writing to provide feedback regarding my recent complaint against Genesis Credit Management LLC. concerning a disputed debt they are reporting on my credit file. Despite multiple requests for validation, they have failed to provide sufficient proof that I owe this debt.

Summary of the Issue : 1. Disputed Debt : I disputed the collection account with the agency, requesting full validation under the Fair Debt Collection Practices Act ( FDCPA ). In response, they sent a copy of a lease agreement, which does not constitute definitive proof that I owe them.

2. Failure to Prove Debt Ownership : I sent a follow-up request questioning how they obtained my personal information and demanding evidence of their legal right to collect this debt ( such as a transfer of ownership from the original creditor ). They failed to provide this and instead resent the same lease agreement.

3. Records of Payment That Are Not Mine : The agency later provided records of payments, but these payments do not match any transactions I have made. I have asked for proof of how these payments were made ( such as bank statements or payment confirmations ), but they have not provided this information.

4. Repeated Requests for a Police Report : The agency is demanding that I file a police report to claim that the debt is not mine. However, I should not be required to file a police report when I am simply disputing their lack of valid proof that this debt belongs to me. 
5. Credit Bureau Disputes & Ongoing Reporting : I have also disputed this debt with XXXX, XXXX XXXX and XXXX XXXX but the collection agency continues to report this unverified information, harming my credit. 

Requested Resolution : Given the collection agencys failure to properly validate the debt, I request the CFPB to take further action by : Requiring the collection agency to provide concrete proof that I owe them, including a full payment history and a contract that shows I am directly liable. 
Ensuring that they cease collection efforts and remove the account from my credit report if they can not produce adequate documentation. 
Investigating whether their request for a police report is being used as an improper tactic to shift the burden of proof onto me. 

This collection is negatively impacting my credit, and I am seeking your assistance in holding this agency accountable for properly verifying debt before pursuing collection. 

Thank you for your time and consideration. I appreciate the CFPBs role in protecting consumers from unfair and deceptive debt collection practices. 

Sincerely, XXXX XXXX
Product: Debt collection

I purchased a vehicle on credit from Siry Auto Group XX/XX/2020. On XX/XX/2020 they left me a voicemail stating the bank rescinded the contract and to return the vehicle. On XX/XX/2020 I recieved a letter stating " I was currently in default, I am delinquent, demanding payment in 15 days or legal proceedings would commence, and they also stated they the car lot also rescinded the contract on XX/XX/XXXX. '' On XX/XX/2020 I came out to my vehicle and I witnessed a tow truck the car lot owner seizing my vehicle 40 days after I drove off the car lot with my vehicle. They reported the vehicle repossessed to the police department. Six months passed by I never heard from the car lot who seized my vehicle. I served them papers XX/XX/2020 summoning them in a federal district court which is now in litigation. Im a consumer, creditor and this is abuse. I've been injured and it has put a restraint on my life and family. Siry Auto violated my consumer rights and the law when they had no present right to seize the vehicle also sending abusive letters and leaving deceptive voicemails stating I was in default when I disputed the alleged debt. Went into the car lot and extended my credit as a creditor and they took adverse actions against me. Under Equal Credit Opportunity act, Fair debt collection practices act, Consumer credit cost disclosures there was multiple individual actions taken place against the consumer
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number XXXX XXXX Account Name : XXXX XXXX XXXX Account XXXX : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX
Product: Credit card or prepaid card

My husband 's card on our account was hacked and used to charge two fraudulent charges : one for {$2400.00} and one for {$2000.00}. My internet account access also had the password changed. These two charges caused my card account to go almost {$2300.00} over my credit limit, but CitiCard approved the charges anyway. When I accessed my account online, which is when I found out my password had been changed, and the increase in my balance, a very strange thing happened. The fraud charges did not immediately show up although the increased balance was listed. I was confused as to what was happening, so I closed out of my account and reaccessed it. It was then that the fraudulent charges actually individually appeared on my account. I filed a fraud claim with them, but had A LOT of trouble doing so, as I talked to four different people before I could get a straight answer as to what was going on. One of them told me they could not access my account because it had been turned over to collection. I was later able to verify that this was not true. In addition, they refuse to remove these charges or even flag them in any way as fraud until the claim is settled, which they have told me could take 2 to 3 months or more. The charges occurred on XXXX, still appear on my account, and I have heard NOTHING from the Citibank Security/Fraud department as to the status of the complaint. These charges are also accumulating interest fees. In the interim, I froze my account ( of course ). Also in the interim, the fact that these charges continue to appear on my credit report is causing derogatory ratings on my credit reports. CitiBank has not been helpful in ANY way but instead extremely antagonistic, and once these charges are reversed and settled, I intend to pay off my actual balance and close the account. I do not do business with companies who feel it is acceptable to treat their customers this way, which I find extremely unprofessional.
Product: Mortgage

After our application was approved, we were ready for an appraisal. Our first appraisal did not pass based on the type of loan we were trying to get. The company told us we could fix everything that the appraiser called out and have a reinspection done. We were ready for a reinspection and after the mortgage company took our payment for that reinspection before it was even scheduled, the mortgage company proceeded to inform me that they can no longer use the closing company we had picked out to use. They refused to let us close with the closing company we had originally picked out and were going to make us choose a different company. I was advised by an attorney that they can not legally refuse to use the closing company we had planned to use.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, incorrect information is being reported to my personal credit file. The XXXX and TransUnion Credit Reporting Agency have not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. XXXX and TransUnion have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Someone, who probably has my personal information, applied for credit cards causing so many inquiries on my credit report which are the following : XXXX XXXX on XX/XX/2023, XXXX XXXX on XX/XX/2023, and XXXX on XX/XX/2023.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to see a financial advisor to help me pick a credit card to apply for. I insisted I only wanted to apply for one card. The advisor assured me there would only be 1 hard inquiry and I was approved for the card. However, because the financial advisor wasn't truthful, I ended up with 9 hard inquiries greatly affecting my score and the card I was approved for now has me jumping hoops through the fraud department. I never authorized the following inquiries : XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX   XXXX XXXX XXXX, SD XXXX ( XXXX ) XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX.
Product: Checking or savings account

My name is XXXX XXXX And I bank with Navy Federal. I deposited a payroll check that was {$850.00} on XX/XX/2018 and the funds have not been released yet. I was told that it takes up to one business day and it has been one business day. This is the second time this has happened because it is a payroll check. I have set up direct deposit but that has not went through yet. I just would like my funds to be released I have important things to take care of.
Product: Credit reporting or other personal consumer reports

Account name XXXX XXXX XXXX Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$7.00}, XXXX written off. {$7.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX The XXXX account is closed and charged off XX/XX/XXXX. However, as of XXXX XXXX, XXXX and XXXX keep reporting the charge off every month, which should not be done. A closed and charged-off account can only be charged off once and should not have a balance which this account does. I have tried to correct this with XXXX and XXXX with no resolve.
Product: Credit reporting, credit repair services, or other personal consumer reports

The address listed do not belong to me, I have never lived at any of these address that are posted on my credit report. 
Please see the attached photocopy of my drivers license for your reference. 

For the record : 1. My name is : XXXX XXXX 2. My current address is : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I received my credit report it had XXXX reports in one I immediately contacted transunion and they informed me the will fix it after XXXX weeks I received a new report finally a report all in XXXX then they locked my credit file making it inaccessible to pull my report. I never requested this and now they requested me to send in proof of identity and other not necessary to unlock a file I never requested to have lock only wanted it combined I am now inconvenience to wait a month to open my file when I never requested it to be locked.
Product: Credit reporting or other personal consumer reports

For XXXX years I have ordered my credit report and never once have I been able to get my XXXX report online. I have to order by mail and they ask me for irrelevant and illegal information. Nothing has changed. Now I can not get my Trans Union report online. 
XXXX years and this still isn't fixed? What a scam.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been led to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a collection account opened with XXXX XXXX XXXX on XX/XX/year>2023, appearing on my consumer FICO credit report. I do not recognize the aforementioned accounts, collection 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, collection are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit card

Beginning of XXXX 2016 I received a statement from my Synchrony bank direct tire consumer credit card. I noticed that there were roughly {$800.00} of random charges in XXXX florida. I initiated a dispute in the beginning of XXXX and was advised that it could take up to 60 days to complete a fraud investigation. I reached out on XXXX and through their XXXX number and was told this could not be expedited. I spoke with XXXX @ XXXX and also their XXXX # XXXX. Today XXXX, i called to check on the status and was advised the fraud amounts were cleared -- - no specifics on what transactions were removed. I advised that my minimum balance payment and had been inflated due to these fraudulent charges and should not have been as high as the {$96.00} on a {$1000.00} balance. The fraud rep advise it was nothing she could handle and directed me to collections, with whom i was not able to reach. I located my most recent statement today XXXX and noticed charge on XXXX and XXXX that were also not mine. I called the fraud department and was told that a new investigation would have to be opened and take another 60 days. I was treated like this was my fault that i didnt recognize these charges and fraud rep at synchrony was very rude. He said he spoke to an investigator familiar with my case and said she was aware of the fraud charges and noted my account -- - i asked why an investigation or amended investigation did not take place for which the rep has no answer. I believe synchrony bank fraud controls missed out on these additional fraud charges and they attempted to conceal them from me as they were missed from their prior investigation. I believe Synchrony Bank has very poor fraud investigation continuity and most definitely lack sympathy for victims of fraud.
Product: Credit card

I am being charged almost {$10.00} a month for life insurance credit protection through Best Buy/Citibank credit card. I never signed up for this service. The company will not remove any charges even though I have asked them for proof that I consented. In addition, I 've never been given any sort of paperwork or any details on exactly what this product is. The monthly fee is XXXX of my payment every month. Because of this fee I 've barely paid down my balance, it 's just a continuing cycle.
Product: Credit reporting, credit repair services, or other personal consumer reports

We hold our current FHA mortgage with Caliber Home Loans. We have paid on time since the inception of our loan XX/XX/XXXX. 

We have typically paid via their online portal, despite issues with the portal where the payment wasn't processing, which happens often. We will then log in the next day and try again. 

We have tried multiple times to pay via their automated phone system through XXXX XXXX which for some reason can not process our payments, not due to lack of funds. Just an error with their processor. 

On Friday, XX/XX/XXXX, we made an online payment for the due balance for XXXX. We received no error messages, and we received confirmation of their receipt of payment through a secure message on their website. I am attaching this for your review. Also of note, this is a shorter month with 29 days. 

We were notified a few weeks later through our XXXX apps, that the payment was marked as 30 days late. 

At this time, we called Caliber Home Loans to dispute the late payment and we were told that we should have paid via the phone system for it to post same day. We told them that their phone system wouldn't authorize our debit card or ACH check as it didn't in XXXX, XXXX when we tried to use the system while travelling outside the country. Therefore, our previous experiences with the phone system lead us to always pay online. 

They said that since we paid online, and before 30 days, it did not matter because the payment posted to their system XX/XX/XXXX. Caliber stated that even though they have record of our payment on the XXXX of XXXX, they will not update the credit reports to show an on-time payment. 

At this time, we filed with all 3 credit bureaus a dispute of the reported late payment by Caliber, and on XX/XX/XXXX XXXX  investigated and deleted the late payment from our credit files. 

Now we are trying to refinance our home to save money during the pandemic, and we are unable to qualify solely because of this one reported late payment that was actually not 30 days late. 
We have never been 30 days late on any mortgage. 

Please help us to ensure that we are able to hold Caliber to the date we paid the loan and not when it posted for them ; which could be an arbitrary amount of time. 

Attached : payment confirmation on the XXXX of XXXX, XXXX, Confirmation of increased credit score when XXXX  removed the 30 day late payment. Letter to credit bureaus.
Product: Debt collection

Midland Credit Management has been repeatedly harrassing my elderly parents who XXXX to collect a credit card debt that I do not recognize and refute. I am XXXX XXXX XXXX and have not lived with them in 22 years. Even after my parents said repeatedly that I do n't live there, the agency continued to call incessantly. The collection agency disclosed the amount of debt and debt history ( which again I do n't recognize ). They threatened to publish my name and parent 's name in the papers. They have filed papers with XXXX XXXX XXXX and told my parents that the XXXX would be coming to collect. It is not a high amount they want XXXX for what they claim was originally a XXXX debt. But, they have made my parents lives miserable. I do n't want to give in to such bullying and I believe they have acted illegally. I want them stopped. Please help