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 ( MONTHS REPORTING 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 ) 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 filling a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the consumer financial protection act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform. leaving my account vulnerable and unprotected.Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic fund transfer act ( EFTA ) and Regulation E.These actions have caused significant and financial loss and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXXXXXX - XX/XX/XXXX XXXX XXXX XXXX, I XXXX {$700.00} XX/XX/XXXX XXXX XXXX {$0.00} XX/XX/XXXX XXXX
Product: Debt collection

PLEASE THESE ACCOUNTS ARE NOT MINE AND KEEP ON SHOWING IN MY CREDIT REPORT FRAUDULENTLY. PLEASE TAKE DOWN THESE ACCOUNT IMMEDIATELY.
Product: Credit reporting, credit repair services, or other personal consumer reports

I file a depute on XXXX to your company experian for incorrect information reporting on my credit report which you fail to investigate in the 30 day time frame by law you are required to respond which means the invalid information must be deleted from my credit report Im demanding you delete this inaccurate information immediately! A 30 day none respond letter dated XXXX was also sent please take care of this issue immediately! Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. ACCOUNT Name : XXXX XXXX XXXXXXXX. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the item of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I am submitting this to address and request the removal of unauthorized inquiries and an inaccurate address mistakenly listed on my credit report. I did not authorize the inquiries detailed below and provide them here for your comprehensive investigation : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. I have not applied for any credit or services with the entities listed above. The inclusion of these unauthorized inquiries on my credit report is a breach of my privacy rights and may negatively impact my credit score.
Product: Credit reporting or other personal consumer reports

I never received a 1099 C from this creditor. If the creditor wrote the debt off I should've received a 1099C and I haven't. I will sue this company for fraud as I did not receive a 1099C.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called XXXX XXXX to get tv service. While I was trying to set things up, I was told that there had already been an account open under my name and that it had an outstanding balance due. I explained to them how incorrect that information was, but they told me that there was nothing they can do. My identity has been compromised and I decided to get my report pulled to see what was happening. I found several unknown accounts that do not belong to me. Please get these fraudulent accounts off my report.
Product: Debt collection

I continued to make monthly payments to XXXX XXXX for my hospital bill. I made a payment in XXXX, however on XXXX XXXX a letter was sent from Venture Financial Services that they are collecting on this debt. 

In the letter it states that this debt will begin to accrue interest. There is no disclosure on the amount of interest that will be charged. I was not paying interest on the debt when i was making payments directly to XXXX XXXX. 

If banks need to fully disclose the amount of interest they are charging consumers, why can these medical debt collectors get away with being so vague. 

I did not receive a fair notice that the debt was being either sold or collected on by a debt collector.
Product: Checking or savings account

I bank with USAA and 3 days ago I had my account frozen with no notice or explanation. I have called over a dozen times and waited on hold for a collective of XXXX hours. I have reached out to them on XXXX as well with no solution. I have thousands of dollars in these accounts and it is my main source of income. I have not been able to reach any solution.
Product: Debt collection

CAVALRY PORTFOLIO SERVIC mysteriously added a negative account to my credit report. I monitor my report carefully. They date of the negative debt was during a time that I was traveling and I have not opened any accounts or new credit cards this year. They never appeared on my credit report until a few days ago claiming I was late on making payments. I believe they must have gotten my information when I applied for a car. It crashed my score by 50 points and now I have to pay almost an extra 100.00/month because of the information they placed on my credit report. 

I never did business with them nor do I have any missing accounts off my report.
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my previous dispute regarding unauthorized credit inquiries that appear on my credit report. According to my rights under the Fair Credit Reporting Act ( FCRA ), specifically Sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ), I formally requested an investigation into the inquiries in question and demanded that they be removed from my report if they were found unauthorized or in error. 
To date, the resolution provided by your office has been unsatisfactory and has failed to adequately address the issues raised in my initial dispute. I am therefore disputing the following unauthorized Disputed Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> 2023
Product: Credit reporting, credit repair services, or other personal consumer reports

One student loan is reporting THREE times with THREE different balances. I acknowledge ONE of the THREE accounts that was transferred to another company with the balance of XXXX. These other remarks with the same account number are inaccurate.
Product: Debt collection

I received an email stating an account was added to my credit report from XXXX XXXX XXXX XXXX, original creditor XXXX XXXX XXXX for the amount of {$880.00}. It was opened XX/XX/2018 and states it's a joint account. I called them and asked for the information pertaining the account and was told it was fraud for a rental property in the state of Texas. They advised me to get a police report. When I looked at the account again on XXXX XXXX the remarks stated " account information disputed by consumer, meets FCRA requirements '' meaning they verified it belongs to me. Which it does not.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fee that I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint because the bureaus have ignored my request to provide me with the documents that their company has on file that was used to verify the accounts that I disputed. Being that they have passed the initial thirty day mark, and can not verify these accounts under Section 611 ( 5 ) ( A ) of the FCRA, they are required to .... " Promptly delete all information which that can not be verified '', that I have disputed. Please resolve this matter as soon as possible. Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX is currently reporting an active line of credit on a closed real estate loan. The direct reporting is with Equifax for a {$37000.00} balance with high credit line of {$39000.00}. This account was closed in 2018 as a result of a foreclosure. XXXX XXXX XXXX was notified of the foreclosure action and failed to respond. The trade line is erroneously reporting which is a direct violation of the FCRA, 15 USC 1681. The FCRA states that accurate, timely and fair data be reported to the credit report. The report with Equifax should read a charged off debt and not active revolving debt with monthly payments due. Moreover, XXXX  never filed a claim on the proceeds remaining as a result of the foreclosure, so the gross amount charged off should be listed as " pending '' or " null ''. The true derivatives of the credit reporting have not been discovered, so consideration should also be made deletion. The California FCRA also addresses issues with their specific law, which means XXXX  is in direction violation of the that civil code as well. I have attached a copy of the credit report for reference.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit to see that NATIONAL CREDIT ADJUSTERS ( Original creditor : RISE ) is still reporting a balance for a trade line I settled with the agreement that it would be deleted within 60 days. It's been more than 1 year and it still reporting.
Product: Debt collection

there is company palisiades collections that is trying to sue me, for a debt that is 14 years old. sent a judgement to fill out papers to garnish. I have not heard from the original creditor since XX/XX/XXXX. and then a judgement to garnish was sent to the wrong address my parents address. I know there is a statute of limitations. but isn't this a violation.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a formal complaint to inform you that the accounts listed below are reporting erroneously & are inaccurate. The furnishers are reporting these accounts inaccurately. They informed me they had an internal issue & posted me past due. Please investigate these accounts & please update the accounts to a positive status of open/never late or closed/never late. I will be documenting my case in the event you verify it inaccurately. Please provide me with all verifiable proof XXXX XXXX XXXX XXXX & XXXX XXXX  XXXX
Product: Checking or savings account

On XX/XX/year>, someone logged into my Credit Karma Money account. Credit Karma 's verification process did not stop them as I never received any emails or text message to authenticate the account. Once they were in my account, the took the virtual debit card number and proceeded to charge my entire balance on one transaction to a merchant I'm not familiar with. I also have emails from after the fact where they changed the phone number and mailing address on file. Their system did not work as it was supposed to and I received no notice until hours after the account was already compromised. 

When I called Credit Karma, they told me I had to wait to see if the charge would go through despite having the sufficient funds and knowing the charge would instantly reversed if that weren't the case. I had to wait 4 days to even be able to dispute the charges despite being aware my account was compromised and now waiting up to 120 days to get my money back. 

Due to their investigation, I'm completely locked out of my account, the account number hasn't been changed, nor has the debit card number. I've called back repeatedly as they never contacted me back as they stated and even when the transaction went through I had to call back multiple times just to get the dispute done. I got hung on multiple times in this process and not one attempt was made to continue the work or call me back.
Product: Money transfer, virtual currency, or money service

I am writing you to formally express my concerns regarding Zelles handling of disputes, particularly in light of 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 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. This 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 became a victim of identity theft couple of years ago. After that incident I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS from my credit report immediately. They are a result of ID theft. Beside these items, I also want to delete incorrect names and addresses also. I never used these names and never lived in these addresses. Please remove these items which are not authorized by me as soon as possible.
Product: Debt collection

XXXX, XXXX World Finance is Reporting fraudulent and Inaccurate information Under 15 USC 1681 ( a ) ( 1-4 ) they are violating this Section. They are reporting that the Account/transactions were ( charged off ) per the IRS when a debt is charged off it doesn't get reported because it fall under income which that does report on the consumer file. this is what they are reporting.

( Status Account charged off. {$450.00} written off. {$630.00} past due as of XX/XX/XXXX. ) Important note Account name WORLD FINANCE Account number XXXX .... 
Recent balance {$640.00} as of XX/XX/XXXX Date opened XX/XX/XXXX Status Account charged off. {$640.00} written off. {$920.00} past due as of XX/XX/XXXX. 

This is what's actually showing up I have been violated. I've also sent Debt Validation letters which they never responded to nor have they provided me proper documentation
Product: Checking or savings account

Citizens bank took over XXXX starting XX/XX/2022. The accounts were supposed to be activated on friday, XX/XX/XXXX. My company sent my payroll to the new Citizens bank account on Friday, XX/XX/XXXX as they instructed us to do in several letters. This was a holiday weekend and essentially I had no access to my money. On Tuesday, my paycheck is not in my account. After waiting on hold for over 1 hour, I am told that the money was sent back to my company because my account was not activated until Saturday, XXXX XXXX. I email my payroll dept and the monies were not sent back. The payroll manger with to citizens on his lunch hour - unfortunately he was a XXXX customer as well and was told they were working on it. To this date, my paycheck is not in my account, I have bills to pay and the rent will be due soon. Citizens should not have taken over XXXX if they were not equipped to handle the XXXX customers and to be told your money will be there soon is not acceptable.
Product: Credit reporting or other personal consumer reports

I need to re-document and refile this grumbling to TRANSUNION. I kept in touch with them the errors of my credit report including dates of last payment, dates opened, payment history, and account status. They professed to have led an exhaustive examination, in spite of the way that it its more of 30 days. As I checked and audited my credit report appears nothing has changed and negative move has been initiated.

My rights have been disregarded various times. 15 U.S.C 1681 segment 602 A. States that I reserve the option to privacy.15 U.S.C 1681 segment 604 A Part 2. It moreover states a buyer detailing office can't outfit a record without my composed guidance. I filed an FTC report with the report number XXXX as my formal complaint.
Product: Credit reporting or other personal consumer reports

This is my follow up complaint, I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report and there was several errors and incorrect information reporting with regards the Dept of Education/XXXX. My account has been in deferred status for several years with XXXX amount due. My XXXX, XXXX, and Transunion reports are incorrectly showing that I was 90 days late in XXXX and 180 days late in XXXX and in XXXX. Please assist me in removing these inaccurate late reportings from my credit file. 

There are 10 Dept of Education Accounts reporting this inaccurate information on my credit file.
Product: Credit reporting or other personal consumer reports

According to the FRC a section 605B it is illegal to report information on my credit report without my permission please remove from my credit report. Thank you.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX NC, XXXX XXXX XXXX XX/XX/XXXX To whom it may concern : Subject : Demand for Compliance with the Fair Credit Reporting Act ( FCRA ) I am writing to formally address a matter regarding my XXXX credit file and the inquiries that have been made by your organization as listed above : 1. **Inquiry Details - e.g It has come to my attention that these inquiries may not have adhered to the provisions set forth under the Fair Credit Reporting Act, specifically 15 U.S.C. 1681 ( n ), 1681 ( b ), 1681 ( o ), and 1681s-2. As you are aware, these sections outline the responsibilities of consumer reporting agencies and the obligations of entities that request consumer reports.

Under 15 U.S.C. 1681 ( n ), I have the right to seek damages for willful noncompliance with the FCRA. Additionally, 15 U.S.C. 1681 ( b ) requires that consumer reporting agencies ensure the accuracy and integrity of the information they report. Furthermore, 15 U.S.C. 1681 ( o ) provides for damages in cases of negligent noncompliance.

I request that you provide the following information : 1. The purpose of each inquiry made on my credit report.

2. The specific consent or authorization you obtained prior to making these inquiries.

3. Any documentation related to your compliance with the FCRA regarding my credit file.

Please respond to this letter within 15 days from the date of receipt, as required by the FCRA. Failure to comply with this request may result in further action to protect my rights under federal law. 

Thank you for your immediate attention to this matter. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

These inquiries don't belong to me. Please remove them from all 3 credit reporting agencies. Please see below the list of inquiries that are reporting derogatory on all 3 credit reporting agencies.

1. Identity Theft XXXX XXXX XXXX Date of inquiry : XXXX  This is not mine.

2. Identity Theft XXXX XXXX XXXX Date of inquiry : XXXX This is not mine.

3. Identity Theft XXXX XXXX XXXX Date of inquiry : XXXX  This is not mine.

4. Identity Theft CITI CARDS CBNA Date of inquiry : XXXX This is not mine.