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

Selene Finance LP, until XX/XX/2022 was my mortgage lender and has repeatedly reported wrong information about my loan to the credit bureaus affecting my XXXX score. In XX/XX/2022, I made my mortgage payment to Selene Financial LP as usual and on time, in XX/XX/2022 Selene Finance LP, incorrectly reported me to the credit bureaus as not making my mortgage payment for the month of XX/XX/2022 and being delinquent. After making a complain and sending multiple disputes 45 days later Selene Finance LP admitted their mistake and notified the credit bureaus of the error they made. Today, I am making another complaint because Selene Finance LP bad quality of service has affected my credit report once again. My property/loan in question was sold in XX/XX/2022, since XXXX of XXXX the balance of the loan is zero. During the month of XX/XX/2022 Selene Finance LP reported to the credit bureaus that the loan was sold and the balance was zero. On XXXX XX/XX/2022, Selene Finance LP incorrectly reported to the credit bureau that the balance of my loan was now XXXX $ even though I don't have that loan anymore and was reported a month before as the balance being zero since the property was sold in XX/XX/2022. Because of the high balance being incorrectly reported to the credit bureaus as if I still had a Loan with Selene Finance LP my credit score went down by XXXX points. I am in the middle of purchasing a property and due to the huge mistake done by Selene Finance LP, I cant proceed with my purchase until the credit is fixed. How many more times is Selene Finance LP going to affect customers???
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing ths report since Experian ignored my recent dispute. This account that keeps appearing unredacted on my Experian report is not mine, I have furnished Experian with an identity theft report yet they have not removed this. 

This item does not report on XXXX or XXXX, only Experian. Please look into this matter and please correct this error on their part since their reporting me negatively is really affecting my otherwise good credit.
Product: Credit reporting or other personal consumer reports

Cease and Desist To Whom It May Concern, I am writing to formally request that your agency cease and desist all further communication with me regarding the account referenced below.

Additionally, I request that you remove this collection account from my credit report in accordance with several provisions of federal credit laws. The account appears to be inaccurate and does not comply with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

Inaccuracy and Completeness ( FCRA Section 611 ) : The information being reported is inaccurate and/or incomplete. Under Section 611 of the FCRA, I am entitled to a complete and accurate credit report. Please review and correct this information to ensure compliance.

Verification of Debt ( FDCPA Section 809 ) : ** I request that you provide validation of this debt as required by Section 809 of the FDCPA. If you can not provide proper validation, you are obligated to cease reporting this debt to the credit bureaus.

Inaccurate Reporting ( FCRA Section 623 ) : the debt is found to be inaccurately reported, Section 623 of the FCRA requires you to correct or delete the information from my credit report. 

Please confirm receipt of this letter and that you have ceased all collection activities and removed the account from my credit report. If you do not comply with these requests, I will be forced to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and other relevant regulatory agencies. 

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with that platform. Despite using Zelle numerous of times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately.
Product: Mortgage

I had tried to make my mortgage payment and for whatever reason it didn't go through. I tried to contact them to see if there was something wrong with their system. I believe that they had a problem with excepting payments online. They accepted and posted the payment on the XXXX of the next month so it was reported late. So, I asked them to remove the late from my credit report as a courtesy. I believe that they did this on purpose for whatever reason. This has caused a hardship because I wanted to pull a small amount of money with a heloc and now I can't do it because of their online payment system
Product: Debt collection

This notice is to inform you that you are in violation of 15 USC 1692g { 809 } ( a ) of the Fair Debt Collection Practices Act, Section 1006.34 ( a ) ( i ) and Section 1006.30 ( A ) ( 1 ) ( ii ) of The Code of Federal Regulations for non-compliance.

Under Section 1006.30 ( A ) ( 1 ) ( ii ) of The Code of Federal Regulations, no debt collector shall furnish information to a credit reporting agency about such debt without speaking to the consumer or sending a letter in the mail. Because you have violated my consumer rights, I demand you to remove this account from all credit reporting agencies immediately. I have filed a complaint with The Office of The Attorney General to protect my rights as a consumer. An additional complaint was filed also with The Consumer Financial Protection Bureau to further disclose your business practices. 



Failure to comply will result in legal action taken against Amsher Collection Services for each violation committed which is my right under 15 USC 1692k { 813 } ( a ) of The Fair Debt Collection Practices Act and Section 392.402 ( B ) of The XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I hereby formally dispute any unsubstantiated information on my credit report, in compliance with the FCRA and XXXX XXXX standards. Allegations must be supported by factual evidence, aligning with federal and state regulations. Please ensure accuracy in your reporting, as mandated by the XXXX XXXX standard. I kindly request tangible evidence confirming the account 's existence and its permissible use. 

Listed below are the Personal Information that are being challenged Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX, XXXX, NY, XXXX Incorrect DOB : - XXXX Incorrect CurrentAddress : - XXXX XXXX XXXX XXXX XXXX, XXXX, NY, XXXX Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Listed below are the Collections that are being challenged XXXX XXXX XXXX XXXX XXXXXXXX - XXXX
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I have recently become a XX/XX/XXXXthat has compromised my personal information. This incident has caused me significant concern regarding the security of my sensitive data. Data breach has led to fraudulent accounts and debts being created in my name. I would appreciate it if you could consider this situation while reviewing my credit report and take the appropriate actions to correct any inaccuracies or fraudulent activities.
Product: Debt collection

This rental company has attempted to charge me an additional {$100.00} for my last rental payment in XX/XX/year> even though I terminated my lease before the new amount took effect in XX/XX/year>. My initial rental payments monthly were {$1700.00}, and they are attempting to collect {$1800.00} for the last months rent. However, this company has not returned my {$1700.00} REFUNDABLE deposit that was paid when renting from them, and according to Florida law the deposit paid can be used towards the last months rent if need be. It is illegal to keep a deposit when it is stated to be refundable, and try to collect more funds when the lease was terminated prior to the renewal date. 
THE COMPANYS RESPONSE IS NOT ACCEPTABLE. FUNDS THAT WERE DUE TO BE RETURNED TO ME HAVE NOT BEEN RETURNED. NO EXPLANATION OF WHY THESE FUNDS WERE KEPT HAVE BEEN EXPRESSED TO ME. Please provide PROOF instead of just a statement.
Product: Credit reporting or other personal consumer reports

The accounts below are reporting missed payments which are incorrect. 

XXXX XXXX credit card its saying i missed a payment XX/XX/XXXX. 

XXXX federal unsecured loan its saying i missed a payment XX/XX/XXXX. 

XXXX XXXX credit card is reporting XXXX incorrect missed payments. 

XXXX XXXX card reporting XXXX missed payments incorrect.
Product: Debt collection

I continue to call to see if my balance is paid. I get paid every week and the amount that shows is more than what is owed. I am getting over garnished and the debt collector is not communicating with my employer. Currently I am in the XXXX, the judgment was for XXXX and some change. Their response is that they have n't gotten the payment, but every time I call its a different answer. The last time I called they said the last payment they received was for {$40.00}, but that was taken out of my check XXXX weeks ago. I just want proper communication between the creditor and my employer.
Product: Debt collection

Debt collector is consistently calling on private cell phone. Did mail request to discontinue calls and they continue, at my expense.
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. 
In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these accounts are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). 
Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. 
Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA. 
Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the banks directly. 
They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 
Please DELETE the accounts, or inaccurate information, from my file immediately XX/XX/PPC604419XXXXXX UPGRADE INC 141497XXX UPGRADE INC 107571XXX SOFI BANK NATIONAL PL8727XX
Product: Mortgage

I have had a continued issue with lender placed flood insurance which was placed on my home by Chase in error. This occured on my first and second loan. I attempted to resolve this issue on numerous occasions without success. Due to this insurance my mortgage payment was increased on both my loans, and I fell behind both. With the help of the XXXX XXXX XXXX the lender finally cancelled some of the insurance on the loan. I had requested that they refund me all of the late fees, and foreclosure fees for double charging me for insurance on the first and second loan. To date, they have not refunded me the entire amount of these charges.
Product: Credit reporting or other personal consumer reports

RE : XXXX  BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of XXXX. The information listed below, that is currently listed on my credit report is a result of that XXXX. Listed below are the Personal Information that are being challenged Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX, GA, XXXX Employer XXXX XXXX XXXX  Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX, XXXX Employer - XXXX XXXX XXXX XXXX  Listed below are the Accounts that are being challenged XXXX XXXX  - XXXX Listed below are the Collections that are being challenged XXXX XXXX XXXX XXXXXXXX. PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF XXXX  IN PERSONS OR XXXX XXXX XXXX. IF THE CONSUMER HAS PROVIDED XXXX  DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. XXXXXXXX XXXX XXXX XXXXXXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF XXXX  XXXX  ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TOTHISMATTER!!
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the following account has violated my rights. 
XXXX XXXX account # XXXX 15 USC 1666B states a creditor may not treat a payment on a credit card account under an open-ended consumer credit plan as late for any reason.

15 USC 1681 sec 602 states I have the right to privacy 15 USC 1681 sec 604A sec 2 also states a consumer reporting agency can not furnish an account without my written consent.
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 30-day 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 XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account name : XXXX Account number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

I reviewed my credit report and have noticed there are several inaccurate addresses, phone numbers, employers and negative accounts etc that are not and has never been associated with my Name Or Social Security number. My credit report has been violated seriously, These corrections needs to be made immediately. In conclusion to this letter, please note the following consumer laws has been violated.

( 1. ) 15 US Code 1681 Section 602 ( A ) ( 2. ) 15 US Code 1681 Section 602A Section 2 ( 3. ) 15 US Code 1681 C ( A ) ( 5 ) ( 4. ) 15 US Code 1681 S-2 A1.

( 5. ) 15 US Code 1681 I5 Sincerely, XXXX XXXX XXXX
Product: Checking or savings account

I had my JPMorgan Chase check stolen from a mailbox and fraudulently changed from {$45.00} to {$9500.00} and deposited/cashed at a XXXX XXXX  XXXX XXXX I have filed the necessary declarations, police and postal reports to Chase Fraud Departments on XXXX and XXXX. I was told the process would take 60-90 days to resolve. I have consistently followed up in person and via phone with both banks to no avail. Chase claims XXXX XXXX XXXX isn't responding. XXXX XXXX XXXX Regulatory Complaints Department said no claim is on file with their check fraud team for me. Chase said my claim was sent XXXX XXXX. Somewhere between Chase and XXXX XXXXXXXX XXXX the ball has been dropped. I get a different answer every time I talk to Chase Fraud Department. I was told on XXXX that the claim can be dropped after 120 days. Day 120 was XXXX. 
Can my claim be resent by fax or email? Was is lost in the mail? 
I'm struggling to find a solution to have my money refunded.
Product: Credit reporting, credit repair services, or other personal consumer reports

I can not obtain my credit report or score for equifax. I tried through my exqifax, annual credit report, XXXX XXXX and XXXX. all states that equifax isn't available
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by theXX/XX/XXXX data breach and may have gotten into hands of the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company, XXXX XXXX, is inaccurately reporting late payments to my account, during a Covid 19 forbearance plan. I have contact the company multiple times and they will not update the information. 

They have been contacted on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and their claims resolution company refuses to update the status of my account. 

I have also disputed this information with XXXX  and Equifax, who will not update the status either.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXXXXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX 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 XXXX, XXXX, XXXX, XXXX, XXXX, AND XXXX to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). 

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

CFPB File No. XXXX dated XX/XX/XXXX, has found that Hyundai Capital America knowingly XXXXolated of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and its implementing Regulation V, 12 C.F.R.pt. 1022 ( known as the Furnisher Rule ) and the Consumer Financial Protection Act of 2010 ( CFPA ), 12 U.S.C. 5531 ( a ), 5536 ( a ). As such, a Consent Order was entered against Hyundai Capital America and laid standards by which they are to abide by in relation to redress. 

On or about XX/XX/XXXX, I received a redress check from Hyundai Capital America in the amount of {$100.00}, which specifically identified myself as a customer that was harmed by their illegal actions and referenced the CFPB case. 

After receiving the redress check, which by the very nature of my receipt of the check, clearly means that I have been wronged by Kia Motors Finance 's actions. I contacted legal counsel, which on XX/XX/XXXX, mailed a letter to Kia Motors Finance directing them to follow through with the directives from the Consent Order, by removing the derogatory information from all 3 credit bureaus, which is still negatively affecting my credit. 

Rather than Kia Motor Finance making the necessary retractions/corrections, after receiving the attorney 's XX/XX/XXXX letter, Kia Motor Finance has restarted the erroneous reporting, which is again in direct violation of the Consent Order. As of today, XX/XX/XXXX Kia Motors Finance has began to actively report erroneously, derogatory information to all 3 credit bureaus. And they sent me a letter on XX/XX/XXXX, stating that the information they are reporting is correct and completely ignored the presence of the Consent Order or the redress check that they mailed me. 

CFPB File No. XXXX continues to be violated by Hyundai Capital America, Kia Motors Finance, which is negatively effecting my credit.
Product: Credit reporting or other personal consumer reports

The derogatory rating on my account is causing me significant concern, and I am deeply worried about its potential impact on my credit. It has already led to the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. This negative rating has caused me severe financial and emotional distress, which will persist until it is resolved.
Product: Credit reporting or other personal consumer reports

RECENTLY I LOOKED INTO MY CREDIT REPORT AND NOTICED SEVERAL INACCURACIES ON MY XXXX ACCOUNT, SUCH AS LATE PAYMENTS THAT I WAS NEVER LATE FOR.

THE CREDIT REPORTING AGENCY HAS A RESPONSIBILITY TO REPORT THE INFORMATION ACCURATELY HOWEVER AS CAN BE SEEN IN THE SCREENSHOTS BELOW, THE BASICALLY ALL INFORMATION WAS REPORTED DIFFERENTLY TO ALL 3 CREDIT BUREAUS. I AM REQUESTING THE CREDIT BURUE TO REPORT THE PAYMENTS AS ON TIME OR REMOVE FROM MY CREDIT REPORT
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX, XXXX XXXX XXXX and Spring Oaks Capital LLC has fraudulently reported my personal information to credit reporting agencies, In accordance with the FAIR CREDIT REPORTING ACT this creditor has violated my rights under 15 USC 1681 602 states I have the right to privacy. 15 USC 1681 section 604 A section 2 also states a consumer reporting agency can not furnish an account without my written instructions. USC 15 1666b A creditor may not treat a payment on an account under an open end consumer credit plan as late for any purpose