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

I am writing to dispute the following information in my credit report file. The documents are attached and the disputed items have been circled. These items are inaccurate or incomplete. Kindly remove or correct the information : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

PNC BANK Loan Reference Number : XXXX XXXX XXXX, NMLS # XXXX Loan Specialist Fulfillment, Consumer Originations Lending Services PNC BANK XXXX XXXX XXXX, Location : XXXX XXXX, MI XXXX Office : ( XXXX ) XXXX This complaint is made in connection with the above-referenced loan and the Loan Specialist servicing the loan, XXXX XXXX ( NMLS # XXXX ). Currently there is a dispute about the home appraisal for this loan. I provided the Loan Specialist a number of documented home improvements that substantiate an increase in the original home appraisal and he represented that this would be enough information to require an in-person appraisal of the home. This representation was false as he later informed me that the underwriter would not conduct an in-person appraisal and would not increase the initial appraisal amount despite the information that was provided to him. 

I have requested multiple times to speak directly with the Loan Specialist 's manager or supervisor and he has ignored all requests.
Product: Debt collection

XXXX XXXX XXXX XXXX continues to report a medical debt in the amount of {$62.00} that was paid by my insurance provider. XXXX XXXX purchased this " debt '' from XXXX XXXX XXXX. XXXX XXXX XXXX no longer has any information on this alleged debt. Their number is XXXX. Harvest Associates Inc is reporting that this alleged debt has been delinquent since XXXX. That is not true as XXXX is the date that we were serviced. I spoke with XXXX at XXXX on XX/XX/XXXX who stated that she could see that something happened to my son 's arm and demanded that I pay the debt. My son is a minor and she should not be able to just spread that information regarding what he was seen for. Her supervisor XXXX XXXX. He will not return my emails. The information that XXXX blurted out is a HIPAA violation. Further, XXXX XXXX began collection only 120 days after the bill was paid by my insurance provider. This is a violation of the NCAP settlement agreement. Per the NCAP policy collection agencies are supposed to allow 180 days from the date of delinquency to pass before attempting to collect on a debt.The 180 days is to allow the insured and the insurance provider to ensure that the medical bill has been paid correctly and to sort out any issues of coding error, policy error, administrative errors, etc.The payments regarding this service were made in separate check increments. Attempting to collect additional money on this claim is a violation of the FDCPA. XXXX XXXX keeps verifying that this is a valid debt with XXXX only in an attempt to collect on it. Both XXXX XXXX XXXX XXXX XXXX XXXX XXXX are located at XXXX XXXX XXXX XXXX, TX XXXX. Please find attached a copy of the balance sheet provided to me by XXXX XXXX XXXX XXXX that proves that the services were paid and the date that the claims were paid electronically to the providers.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit report and I instantly noticed names, addresses, accounts that I know I didn't open or authorize. I pulled my report because I was planning on financing a car and that's when I pulled it and noticed unfamiliar items on my report for example I have a XXXX collection account that doesn't belong to me with a balance of {$1600.00} so I'm here to take action so I can save myself from anything else in the future.
Product: Other financial service

I deposited a cashier 's check in Bank of America of amount XXXX. After 2 days of processing the amount was credited to me in the account. So I had to make a cash payment to the same person. But after giving the cash and after 5 days the bank says the check was fraud. 

If the check was fraud how can they credit the amount XXXX. The amount should be made available only when they have verified the check. I was under the impression that since the amount is cleared and credited in my account, the check is genuine. And after 5 days they verify it.
Product: Checking or savings account

On the XX/XX/XXXX, I received an email from Square banking stating that a charge in the amount of {$290.00} had been declined fo insufficient funds. I knew I hadn't made any recent purchases, plus I had checked my account the previous day and had more than {$7000.00} in the account. I checked my online banking and saw 21 transactions had been made. I immediately contacted square. I was told that there nothing that I could to do besides wait until each transaction was complete and file disputes. Two of the transactions were voided so I filed 19 disputes over the next few days as they completed. I have talked to square every other day and even called the companies where my money was used, all of which were in XXXX! While I was using my card in XXXX, NC, someone was also using my card in another country, XXXX. Square doesn't have any protocols setup to stop this. I posted about this issue online and found two other people with square accounts that his happened to. The other people 's money was used in XXXX as well and at the exact same companies for the same amounts. Luckily for them they didn't have as much money to steal. I was told by Square that while they research my disputes they will give me a loyalty credit. On Today I received emails for loyalty credits for each of my disputes. Within seconds, I received another email stating they were taking the money right back out. 19 emails giving me a credit and 19 stating that they were debiting the account. When I call you can not speak to a manager nor anyone in the fraud department. I have been put on hold and hung up on or told it will be escalated and I will be contacted within 2 days and I never get a call back. I recently read loads of complaints on XX/XX/XXXX website of the same things happening to others, fraudulent activities, and Square siding with the merchant and people loosing thousands of dollars.
Product: Credit reporting, credit repair services, or other personal consumer reports

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

2. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

3. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX, XXXX on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 4. XXXX/XXXX on XX/XX/XXXX ( Reported Identity Theft ) 5. US SM BUS ADMIN ODA on XX/XX/XXXX ( Reported Identity Theft ) 6. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 7. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 8. XXXX/XXXX on XX/XX/XXXX ( Reported Identity Theft ) 9. XXXX/XXXX on XX/XX/XXXX ( Reported Identity Theft )
Product: Credit reporting or other personal consumer reports

with XXXX XXXX XXXX XXXX XXXX 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 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 months that are reported late 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, XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

I am writing formally to express my concerns regarding Zelles handling of disputes, particularly in light of 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 CFPBs 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. The lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute with XXXX referencing discrepancy in XXXX and XXXX reporting. In result Experian 24-month payment history remained pulling down XXXX Score which is 100 points less than all other consumer reports. I am unable to dispute account on-line for the attached account. 

On XX/XX/018 XXXX response to previous complaint. Acct XXXX is being correctly on consumer reports. Request to delete account was rejected and/or unanswered by XXXX, Experian, and XXXX.
Product: Student loan

I have called Navient in an effort to pay off any and all late fees. They have assured me that there are no late fees on the account, however, it is still showing on my credit report that late fees are being charged.
Product: Debt collection

This third-party debt collector ( United Collection Bureau Inc ) has been calling, harassing me during inconvenient times, and leaving messages about an alleged debt. This is harassment and violates the FDCPA
Product: Money transfer, virtual currency, or money service

I have reached out to crypto.com for over a year, due to some missing funds. I get the run around by 20 different people every time. They have locked my account for my safety but I have missed out on profits because of this. I gave them another chance today. They gave me the same story. I still can not take profits. They have not looked into a refund. This is causing me a lot of problems. I requested every transaction sent in paper to my address on my ID, I showed them a picture of my ID. They just give me the run around.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Inaccurate Information on Credit Report and violation to the Fair credit reporting act. Complaint Summary : I am submitting this complaint against Experian regarding the inaccurate information reported on my credit report, which violates the Fair Credit Reporting Act ( FCRA ). On XX/XX/2024, I discovered discrepancies in the following account ( s ) : Account Name : XXXX XXXX Account Number : XXXX Date of Last Activity : Experian shows XX/XX/2024, which differs from the dates reported by the other agencies ( XX/XX/2024 in XXXX and XX/XX/2024 in XXXX XXXX. This discrepancy could be an error if all agencies are expected to report the same date. 
Date Reported : Experian lists XX/XX/2024 as the reporting date, which is later than the other agencies. This might indicate that Experian did not update its records at the same time as the others. 
Payment History : Experian includes a record of one month marked as " CO '' ( Charge-Off ), indicating a defaulted account. However, since the account is already listed as closed and paid, this may not accurately reflect its current status.

Account Rating : It displays " Paid '', which appears correct, but the inconsistency with the last activity date and payment history could create confusion regarding the account 's actual condition. 
Payment Frequency : Experian does not report any payment frequency, while XXXX mentions monthly payments. This absence of data could be seen as incomplete. 

Under Section 611 of the FCRA, I have the right to dispute inaccuracies and request prompt investigation. I formally requested a reinvestigation of the account information and cited relevant sections of the FCRA, including : 1. Section 609 ( a ) ( 1 ) ( A ) : Requirement for verification of accounts through original documentation. 2. Section 611 : Right to dispute inaccuracies and request investigation. 3. Section 623 ( a ) ( 5 ) : Removal of unverifiable information dont validated for creditor Original. 4. 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy Despite my request, XXXX has failed to conduct a thorough investigation or resolve these discrepancies within the required timeframe of 30 days. This negligence has led to the continued reporting of false information, which has negatively impacted my creditworthiness. In my request, I emphasized that any unverifiable information should be removed from my credit report INMEDEDIATLY within the mandated 30-day period, as established in 15 U.S. Code 1681i. Additionally, I referenced 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy. Furthermore, under 15 U.S. Code 1681s-2, furnishers of information are required to investigate and correct inaccurate information upon notice of a dispute.
Product: Credit card or prepaid card

PayPal is reporting a tradeline that I never applied for to my consumer credit file. I never authorized an account with Paypal nor was I aware that an account was ever opened in my name. PayPal is in violation of the FCRA by reporting this tradeline to my consumer file as I never agreed to any line of credit with Paypal. In accordance with FCRA Section 609 I am requesting all contractual documents stating and proving that I am responsible for this account and that I agreed to and authorized such an account. I can not see any type of account number listed for the tradeline on my credit report. The last four of my SSN are XXXX. PayPal credit card account number XXXX. Remove this erroneous tradeline immediately as this is a complete violation of the FCRA.
Product: Credit card

I spoke with the representative of the company, Care Credit Synchrony Bank and expressed my concerns about the late fees. I informed him that I had checked the website for the time frame for late fees to be added to the account. I had informed him that I had observed a XXXX day grace period. I also informed him that I had been informed of this when I applied for the credit card. In turn, all he stated was he couldn't remove the late fees.I also informed him that I had no problems with a few of the late fees. But, the ones that were applied before the XXXX day grace period should be removed. How could I have accumulated a bill of more than a XXXX dollars in such a short period of time? The representative had no reply. I kept asking, but received no reply. All I needed was a few simple answers to a simple question. I'm one consumer that tries to keep track of bills/ debts. I try to keep track of my finances, debts, and credit payments. I'm just trying to get some answers. The issue started in XXXX with late fees. But, was fine in XXXX. But, has continued to the present day.
Product: Credit reporting, credit repair services, or other personal consumer reports

My previous Citi account number was XXXX. On 2018, my loan was with Citi but was sold to XXXX XXXX. Currently, our mortgage is with XXXX XXXX. 

Our credit XXXX score is significantly better but it can be improved by having Citi remove and update our mortgage information that is used by all Credit bureaus. Based on the fact that our loan was sold in 2018, and the information that Citi entered is currently affecting our credit rating. If the information is removed, then our credit score will show improvement. 

The information, if left there, only downgrades or credit ratings. 
I ask that this outdated credit rating information be removed.
Product: Payday loan, title loan, or personal loan

One Main Financial is a predatory lender. I took out a loan with them a couple years ago and fell behind on payments. Eventually they were able to rewrite the loan so I was no longer behind but they never told me that my principal and interest payments were changing. They are charging me over 90 % in interest. I pay XXXX per month and XXXX is going towards principle. There is no way this loan can be paid off within the terms that I signed the contract. They never disclosed to me the interest rate would jump up to 90 % if the loan fell behind due to me being unemployed. These are dishonest and deceptive practices and One Main needs to fix my loan so that I am able to pay this off in a reasonable amount of time. This is not right and they refuse to fix this issue. They lied to me and now are trying to go after me for not paying my loan but they are robbing me on interest. This loan should be paid off in the time frame agreed and the principle and interest needs to be fixed. They never told me or disclosed this interest rate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Have been trying to get a reinvestigation into the account from XXXX XXXX which is not mine and would like removed off my account, belongs to the other person from the account and been very frustrated in getting cooperation in getting it removed.
Product: Checking or savings account

I have a joint account at Capital One Bank. It is checking and savings. On or around XXXX, 2020, they changed the accounts to a 360 account and issued new debit cards. When the other account holder entered the PIN improperly too many times, that debit card was frozen. Funds to the account remained accessible and the account for the other holder also remained accessible. Only that person 's PIN was frozen. 
On XX/XX/2020, attempts to rectify the PIN issue were met with unfounded suspicion and denied. Only after a threat to close the account did this freeze on all funds occur. Both accounts were accessible until this threat to close was made. I went into the branch on XXXX XXXX and verified who I am. Later that day by email, I was advised that no one can make any withdrawals until they have proof involving the other person on the account. They refused to give me any details whatsoever.

While I understand the debit card hold, I find no reasonable basis to restrict access to the funds by way of checks and withdrawals. As a joint holder, Capital One has no basis to prevent my access to the account and has no basis to deny the payment of any checks like the rent check.

Attempts to resolve were met with resistance and no customer concern. This is illegal and the bank must be reprimanded, fined and instructed to release the hold. Thank you.
Product: Credit reporting or other personal consumer reports

I have paid my loan on time and have the screenshots to prove, however they report I was late to the credit agencies differently. I have tried disputing it and they report 90 and 60 day late payments but that is false. I have autopay and pay on time. Everyone of my credit cards and lines is paid as agreed and this one is dragging me down.
Product: Credit reporting, credit repair services, or other personal consumer reports

Capitol One took me to court in 2017 & the XXXX ruled in my favor dismissing the case with prejudice. However, XXXX has put this debit on my Credit Report & refuses to remove it although I have provided proof.
Product: Student loan

Each year I apply for an Income Driven Repayment Plan my request does not go through and it shows that I will have to pay a significantly higher amount per month. I then have to call and reapply for the payment plan I want to take effect. I was also put into forebearance this past year when I should not have been.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had several accounts with XXXX XXXX  and never paid them late ever. In XX/XX/2017 my bag was stolen or removed from my lounge chair at the beach where my bank cards were located. I called my institution and requested they close the cards immediately, and they closed the account instead of just the card. I learned of the error and called XXXX immediately, and the representative said she was placing a note on all of the accounts as she could do so. However, this rep only placed a note under one account " XXXX credit card '' and not the other 6, so when payments were to be canceled or pushed to a later date until I got back home to open a new account. 

I have called several times and each time I was assured all was well. So, ten days later XXXX did a credit line reduction on all of my cards because I reported an issue. When they did this my credit score fell well below the excellent rating I'd had. With XXXX doing such it causes the other creditors who I have cards with to receive a low score and they inadvertently closed some of my accounts. Wehn XXXX decided to do this it made me appear to have maxed out my credit limit which was never the case for me. The account where my limit was XXXX they reduced it to a XXXX as I had a balance of XXXX. Therefore, it made me appear that I was maxing out my limits which reduced my scores significantly. 

I have written to them, called, and until this day nothing has been done. They have sent one of their accounts in which I had flex pay on to collections as they reduced the limit the payments could not be withdrawn from the plan. There is and was plenty of availability for the charges to continue under this one account but they removed the details from the account and created a bigger problem. 

I need a resolution asap. I pay every bill on-time every month ....
Product: Credit reporting, credit repair services, or other personal consumer reports

These 3 agencies XXXX, XXXX and XXXX are in violation of 15 U.S.C 1692g. They were to notify me of this in writing 5 days prior I was not notified. As the original creditor, only I can validate this debt. I do not validate this debt. Please delete these accounts immediately.