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

My account with XXXX  XXXX was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on 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 XX/XX/year> to XX/XX/year> 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: Debt collection

They are calling former relatives, and asking for my personal information and making threats to them to tell me, they leave voicemails saying they are going to take legal action but I have never heard of this company and I have NEVER been validated of any debt that is owed. They are asking for information that these former relatives do not know but are now scared to answer since they are calling every day and multiple times through out the day. They are using harassing tactics and again I have no idea what they want or who they are.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was made aware of some accounts on my credit report that do not belong to me today XX/XX/19 when I was denied from getting a loan. I had no idea that these accounts were on my credit since I did not open them nor did I allow anyone to open them in my name. I did not benefit anything from these accounts such as money, goods, services or any other benefit nor did I make any purchases or payments towards these accounts. I'm not sure who could have stolen my personal information to open these accounts but I have already filed a police report. I do not have any written or verbal contract with any of these companies and I have never given them permission to run or access my credit information.
Product: Credit card or prepaid card

On XX/XX/21, Wells Fargos credit department took {$5700.00} from my Wells Fargo checking account, resulting in my account being over drafted by {$2900.00}. At the time of writing this, my account is XXXX. Wells Fargo Executives confirmed that this auto payment was taken in error as I had turned off auto payment on XX/XX/21. 

This morning, my family and I were stranded in Florida as we were attempting to gas up and return to our GA home from vacation. At XXXX XXXX, my card declined and I reviewed my account and saw the error. I promptly contacted Wells Fargo and proceeded to speak with no less than 10 representatives, ranging from tellers to Execs over the course of the day. Every person quoted a 3-10 day TAT to resolve an issue they confirmed was theirs. This is unacceptable for an issue this urgent. Just to get home, I had to use the same credit card that is the root of the issue just to get my family home.

Multiple reps lead me to believe I caused this issue before the Exec team proved this to be untrue. The Exec team has provided no assurances to when I will get my funds back. One rep, who I can provide details on if needed, stopped answering my calls which I advised I would make to check in for updates. At XXXX XXXX, this rep obviously started sending my calls to voicemail. I called seven times in a row from my number and each attempt was sent to voicemail. Suspecting my calls were being screened, I called the same Wells Fargo Exec number from my wifes phone, and it was answered on the second ring by the rep I had been trying to reach. How can I trust a business to keep their word on expediting a complaint when they screen my calls? Again, this was a confirmed Wells Fargo issue that wiped out my account. At the least, they owed me updates and transparency.

With Well Fargos history of fraudulent practices, I have no faith that anyone actually worked to expedite and resolve my issue. I have no money in my account and have mortgage and bills to pay today. 

I am pursuing every path I can to report Wells Fargo for their suspicious business activity.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've never even been contacted by this people in the past. I have no idea who they are and never did any business with them ... Please delete this account and tell the company to be more careful on how they handle their reporting XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX XXXX
Product: Mortgage

On XX/XX/XXXX I attempted to sign into Carrington Mortage Service to pay my mortgage. Their system asked me for the last four of my social security number and another identifying question. Even though I put in the correct answers in the system kept giving an error message saying that the information was incorrect. I noticed on my statement for XX/XX/XXXX Carrington MortgageService is charging me a late fee even though I made the payment before the XX/XX/XXXX. This is not the first time that I have had an issue with Carrington when making my payment on the grace period date.
Product: Debt collection

Radius Global Solutions LLC XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Attempted to collect a debt for XXXX I have no subscription to XXXX, I have no XXXX devices. I did not authorize or co-sign for XXXX services. I paid a bill for a family member. Family member defaulted on their account. XXXX attempted to use my financial information to collect for a service that was not my account. I only helped someone pay their bill on a limited basis.
Product: Credit reporting or other personal consumer reports

I was going over my consumer report and noticed hard inquiries that I do not recognize, nor did I authorize, which are 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 I did not authorize these transactions and would like for them to be removed immediately
Product: Payday loan, title loan, personal loan, or advance loan

I have already made a complaint about this account. I received a letter from the XXXX XXXX company saying that I need to contact XXXX XXXX, XXXX and the Eaton Group because my account has been sold. 

I borrowed {$3000.00} dollars from this company in XXXX to pay some bills and I couldnt make the payment because of financial issues. Then, they sold my account to XXXX XXXX XXXX  I got served in XXXX. But, I accepted it to repay {$75.00} each month until the payment is made which was an option I had to make if I didnt want to go to court to resolve this matter. They charged me an amount of {$4100.00} to be repaid. But, I was repaying the Eaton Group Attorneys, LLC. I already paid {$2000.00} something dollars to Eaton Group before I stopped because I didnt have a good job to finish the payment. So, then, in XXXX I got served again. But this time they sent it to the new company that I used to work at and my new employee was repaying that money as a form of garnishment. I already repaid {$4000.00} dollars to them. They sent them that same paper they sent to me the first time I got served but telling them that I owed {$2000.00} something dollars as a balance. Instead of repaying the balance, the Eaton Group Attorneys prepared that same paper and ask them to garnish {$4100.00} from my paycheck. I had a balance of {$100.00} something dollars left when I left the company. But, now the same group of lawyers just sent that same paper to my newest company that I work for now to garnish my check again. I am repaying it now. I will repay them {$10000.00} dollars for {$3000.00} dollars that I borrowed when I am done with that payment. I already paid {$6000.00} dollars. Every time I have a balance to be repaid, they send my employees the same paper telling them that I owed {$4100.00} and they need to garnish my check and said that they prepared that letter, and I have to pay all the fees. So, they never asked me to pay the balance but the full amount again. Please help me with that matter. I talked to them once and said that I have to repay the same amount again because I didnt finish the payment.
Product: Debt collection

I have been trying to work a payment arrangements. Now they are calling my wife 's work looking for me. Started today XXXX. I need them to stop calling me 20 times a day and need them to not call my wife at work for the federal government.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX  XXXX Balance : {$6700.00} ; ( Original Creditor : XXXX XXXX ). 
According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Debt collection

I REACHED OUT THE COLLECTION AGENCY AND ASKED FOR VALIDATION OF DEBT 2 TIMES, NEVER RECIEVED VALIDATION OF DEBT AND REQUEST NO CALLS FROM THIS AGENCY, AND RECIEVED A CALL FROM A DIFFERENT AGENCY, AT FIRST IT WAS XXXX XXXX AND NOW ALLIED COLLECTIONS, WHICH THEY ARE AT THE SAME ADDRESS UNDER THE SAME UMBRELLA, SO THEY SHOULD NOT BE CALLING ME AT ALL .... AND ALSO I STILL HAVE NOT RECIEVED VALIDATION OF DEBT, ASKED FOR THRU XXXX DISPUTING ACCOUNT AND CALLED COLLECTION AGENCY IN 2020 AND STILL HAVE YET T RECIEVE THE VALIDATION I OWE THIS DEBT, THE GIRL THAT ANSWERED ONLY WANTED TO ARGUE WITH ME ABOUT WHY I HAVENT PAID AND TOLD HER THEN NOT TO CALL ME. AGAIN PLS SEND ME VALIDATION THAT I OWE THIS I GET IT OFF MY XXXX, NEXT STEP WILL BE TO HIRE AN ATTORNEY FOR LAW SUIT!!!!!!!!!
Product: Credit reporting or other personal consumer reports

I STRONGLY REQUEST THE IMMEDIATE REMOVAL OF THIS XXXX XXXX FROM MY ACCOUNT, AS IT DOES NOT ACCURATELY DEPICT MY PAYMENT HISTORY. I HAVE CONSISTENTLY MADE TIMELY PAYMENTS, AND IT IS UNACCEPTABLE TO HAVE THIS ERRONEOUS ENTRY LISTED. KINDLY UPDATE MY ACCOUNT PROMPTLY.
Product: Credit reporting or other personal consumer reports

CREDIT REPORT FILE GENERATED ON XX/XX/year> REPORT # XXXX PERSONAL INFORMATION PROVIDED ON THE CREDIT REPORT IS INACCURATE.LATE PAYMENTS ACTIVITY SHOWS DIFFERENT IN ALL THREE BUREAUS.
Product: Credit reporting or other personal consumer reports

I was added to a Sams club credit card as an authorized user. They then ran a hard inquiry on my credit without any proper information. I did not give them my Social Security Card or any personal information. Nor was I given an option to get a hard inquiry on my credit. After speaking with a representative of the bank that distributes Sam credit card they were just as confused on the hard inquiry on my credit.
Product: Credit card or prepaid card

I was scammed by a company on XXXX posing as a XXXX XXXX firm. I waited 30 days to dispute the charges after realizing they were a scam. They blocked me on XXXX. I reached out to Direct Express to file a dispute. They did. I received paperwork to sign and send in, which I did that following Tuesday. I kept calling and they claimed they didnt receive it. The last call they told me that the dispute was closed out. Were talking about {$790.00} in a scam charge and they refuse to even investigate it because THEY lost the paperwork. I record every call with Direct Express. The gentleman said I had to verify my account before opening the dispute again. I did. Instead of it taking 5 hours it took 7 days. In record every call - the email given to me by the rep was incorrect. They verified my account and I called back. A XXXX  rep spent 20 minutes on the phone giving me instructions on how to open back the claim to be investigated. She said because I stated they lost my paperwork and I refuse to say the post office lost it shes not allowing me to open my claim. I told her thats fine I recorded this entire conversation. This woman sounded XXXX XXXX, please listen to the recording. She slammed down the phone on me. I called back, this rep now tells me she doesnt know what Im talking about they dont have an email. I explained the situation and she looked over the account and said the claim is open but next to it there are 3 question marks and it says unassigned. What can I do about this company? The merchant are scammers. Professional scammers. XXXX them. Direct express wont even investigate it. This is a lot of money. What can I do as a consumer? I will be reaching out to the media with the voice XXXX recordings. Direct express refuses to investigate claims and their excuse is you didnt send the paperwork not to mention theyve been sued by federal courts for their financial abuse to XXXX individuals. I will not stop until I get every XXXX back.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised this is my THIRD WRITTEN REQUEST that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under 15 USC 1681n and 15 USC 1681o regarding your continued willful and negligent noncompliance.

Despite two previous written requests, the unverified items 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 creditors documentation on file to verify that this information is mine and is correct.

In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me with a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ).

Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified.
The law is very clear as to the Civil liability and the remedy available to me 15 USC 1681n & 15 USC 1681o ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$2500.00}, XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$11000.00}XXXX XXXX XXXX XXXXXXXX XXXX Open Date XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$0.00}, and XXXX XXXX XXXXXXXX Open Date XX/XX/XXXX Balance : {$0.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

My  Auto note i s {$350.00} a month with the payments being divided between my  XXXX  paychecks and rendered before or on the  XXXX  of each month. Supposedly in  XXXX   2014 , the second half of my payment was {$10.00} short and my account has been notated as 30 days late on my credit bureaus ever since. My payment is due on the  XXXX  but they tell me that they need to post it on the  XXXX . Makes no since. Either the  XXXX  ( according to my paperwork ) is the due date or it is n't.
Product: Mortgage

My mortgage company keeps redirecting my monthly statements to other addresses. 

Ive corrected them several times over past 8 months. 

Recently, i requested a loan modification or forebearance due to 2 missed payments and corvid19. 
They refused forebearance since i had included 2 other missed payments in a bankruptcy. 

My bankruptcy attorney had to send them 2 letters because my mortgage company refused to work with me directly. He did this. Now the mortgage company is sending my mail coorespondences to a different attorney in another State ( Florida ). I requested help with this multiple times over the past 4 months. I recently requested to speak to a supervisor. The representative ( employee # XXXX XXXX said no supervisor was available. She said someone would call me. I received no call back. I wrote them multiple times regarding not receiving any correspondences regarding my loan modification process. I still have not received any correspondences about my loan modification. The reps told me multiple times my mail was going to an unknown attorney in Florida. 
I started this loan modification process XX/XX/XXXX. I followed up twice only to find out they wanted additional information. I responded to bith request. I called again to find the status because i never received any coorespondences with this matter. The rep said they approved a loan modification, but i have no idea what it is. I spoke to employee # 'a XXXX, XXXX, XXXX and 2 others at least It is now XX/XX/XXXX and i am nit getting my monthly statements or any coorespondences regarding this lian modification. They will not send me my mail. They received a cease and desist order from the misdirected mail sent to the wrong attorney in another state. This address change isdue in my mortgage has been constant since my mortgage was sold to them in XX/XX/XXXX. 
I need assistance with matter since its an ongoing issue with my address constantly being change and not getting my mortgage statements. Additionally, my personal mortgage information is being exposed to many different addresses and the wrong attorney or consumers. Can you please help with this mortgage company wrongly exposing my personal information ti unknown individuals and others.
Product: Credit reporting or other personal consumer reports

This is my 2nd letter that I was subjected to misleading credit reporting and I write to dispute this inquiry in my file resulting from the crime. The inquiry I am disputing does not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please remove the reporting of this inquiry in my credit file that resulted from a misleading credit reporting : XXXX XXXX XX/XX/year>. This inquiry is unknown to me. Also, the information you provided on this inquiry was DELETED from other bureaus and I have doubts about their accuracy and the reported history date on this inquiry is a mystery to me. Per Fair Credit Reporting Act Section 605B ( a ) you are requiring to remove any inquiry that was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.
Product: Checking or savings account

Ive initiated a transaction on XX/XX/year> in the amount of {$420.00} with the merchant XXXX and I received a notification that this amount was debited from my account. I also checked my balance and the amount was debited. I initiated a refund same day with the merchant and they stated that the refund was processed on XX/XX/year> and it can take up to 10 days to reflect in my account. On the XXXX day, I checked my bank and theres no history of the transaction. Chase is unable to account for this transaction. The same issue happened with another transaction initiated on XX/XX/XXXX with the merchant XXXX town hotel in the amount of {$100.00}. This was a security deposit which was refunded by XXXX town on the following day. Chase has no history of these transactions and I am expecting a refund. This money is missing and I am now {$520.00} short.
Product: Credit reporting or other personal consumer reports

The entries in question were reported without my written permission, contravening the requirements outlined in 15 U.S. Code 1681b ( 2 ) of the FCRA. As such, I request an immediate, comprehensive, and impartial investigation into these entries. I expect a detailed response outlining the findings of this investigation, including the original written instructions from me ( Consumer ) with my wet signature. 

Moreover, I am not aware of any legitimate purpose for reporting these late payments, and I affirm that I did not authorize the reporting of such information to your agency by XXXX  XXXX. Therefore, in accordance with Section 604 ( a ) ( 3 ) of the FCRA, I demand a thorough investigation into these disputed late payments, along with written confirmation of the investigation 's completion and details of any actions taken to rectify this matter.
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. Even tho the name and email of the person who was involved in the unauthorized transaccion was provided. 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. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety. Thank you. Please let me know what other proof is needed.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit file for Citicards CBNA isn't reporting late payments correctly. the XXXX, XXXX, XXXX, XXXX, and XX/XX/2020 late payments were all due to the covid-19 pandemic.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted SST and get better understanding off my loan. The loan was originally with XXXX XXXX but they closed down and SST bought the loan. 
I don't understand what's going on with this loan ( ACCT : XXXX ). For the month of XXXX {$250.00} were paid to XXXX XXXX/SST but the customer service representative told me over the phone that only {$100.00} was received. The total payoff for the loan should be less than {$450.00} at the moment but I'm being told that there's a higher amount and I don't have to pay until XXXX. How is this possible? Could you please help understand what is going on. Attached to this email is a copy of Leave and Earning Statement ( LES ) and Allotment information that shows my payments. I believe the interest rate of this loan has raised without my knowledge and agreement. The company is NOT reporting to the Credit Bureaus at all.