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

There are late payments listed on my credit report that dont align with my payment habits. Please address these mistakes and update the record.
Product: Debt collection

A collection account from Credence Resource popped up on my credit reports on XX/XX/20. I have no clue about this account and did not receive any written notification of this debt allowing me to investigate or seeing what this is for. I want this removed immediately. As I was not given any notification of this!
Product: Mortgage

My mortgage was transferred from XXXX XXXX to BSI Financial on XX/XX/2021. I have received no welcome packet, no statement, and no information from BSI Financial. I have talked to BSI on the phone multiple times and they refuse to accept my payment, and will not even disclose how much my payment is, because they say my Chapter XXXX repayment plan forbids them from taking a payment or discussing the account. BSI states they will not even send me statements on my account due to the bankruptcy. They told me I could mail in a payment, but refuse to tell me how much the payment is. They indicated they would not provide me with a receipt of any payments I send. I asked them if they were trying to force me into default and they refused to give me an answer. My mortgage is a " direct pay '' and isn't even part of my Ch. XXXX filing. I can't make a payment and my mortgage is already 10 days past due. I'm scared and don't know what to do.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

I looked at credit report on XX/XX/XXXX and noticed ( Date Of Last Active ) is still being reported inaccurately on my credit report. ( XXXX XX/XX/XXXX ) ( XXXX XX/XX/XXXX ) and ( Equifax XX/XX/XXXX ). According to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Product: Debt collection

They call me every 15 to 30 minutes daily. It is causing XXXX.
Product: Debt collection

I have tried multiple times to reach out and try to retrieve information regarding this debt. I have sent a NOTICE OF DISPUTE ; DEMAND FOR VALIDATION AND PROOF OF CLAIM letter to the company on Tuesday XXXX XXXX XXXX Tracking number for the registered letter that was sent out to the company XXXX XXXX XXXX Today, Friday XX/XX/2023 I have yet to receive any documentation.
Product: Debt or credit management

I have been trying to address an outstanding balance with debt collectors, XXXX When looking up the phone number for XXXX, I was directed to credit sage. 

While speaking to credit sage, i was under the impression I was speaking to XXXX and settling my debt. I gave them my social security, mailing address and card information. They also used XXXX XXXX & asked me to answer personal questions on the phone, which I verified.
Product: Payday loan, title loan, or personal loan

Conn 's INC mailed me advertisement stating I am preapproved, also an advertisement for 10 % off which I never received and no interest for 12 months which again I didn't receive. 

Reporting to the Credit reporting agencies that I owe {$1700.00} instead of the amount financed {$1200.00}. 
Sold me a refurbished XXXX XXXX XXXX Stove as new. purchased items on XX/XX/XXXX were delivered on XX/XX/XXXX. 

XXXX XXXX hasn't worked right from the start, the left front burner light doesn't come on the hot surface light goes off before it cools down causing me to burn my hand and thumb. 

Oven set at 400 will only heat to 350. Forced place a 2-year {$120.00} Warranty which is really only a 1-year warranty since the stove supposed to have a 1-year factory warranty. claimed we had to have to warranty since it is financed. 

also, force-placed insurance since it's financed, even since I had declaration page from homeowners insurance. 
Charged me {$3.00} removal of white goods, I sold this before they delivered. 

They are in violation of the ( UDTPA ) ( FCRA ) Breach of Contract, and violation of the truth in the lending act because they didn't provide me a copy of the Credit installment agreement at the time of purchase only a copy of the invoice. 

I ask for either a full refund of the XXXX Stove or replacement with a new one within 30 days. I also filed a complaint with the NC ATG within 30 days and after they send the complaint three times to Conns they still haven't responded.

Conn 's was sued by the Texas ATG for the same issues and settled that case for {$4.00} XXXX. But they continue doing the same violations in other states including NC. Consumer Affairs has received over 1100 complaints about the same problems including people from NC. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

Navient is my student loan provider. I know that there was legislation passed for student loans providing for at least 90 days of deferment and waiving of late fees. I have two loan providers. one of them auto enrolled me into the deferment, whereas navient has kept the loan active and has been charging me late fees. I have attempted to call them on several occasions and receive a message that the office is closed and am then disconnected. 

Call attempts XX/XX/2020 @ XXXX XX/XX/2020 @ XXXX XX/XX/2020 @ XXXX XX/XX/2020 @ XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

A few months ago I filed a complaint on XXXX because they were reporting an old card that was lost or stolen inaccurately. XXXX was reporting late payments on my credit every month for three years. You all helped me and XXXX corrected the error. Now out of nowhere, XXXX just report a 30 day late payment on my credit for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX.

Here we go again with the same problem. I have had no interaction with XXXX since they corrected the error on my credit file. Now they are at it again. DEFAMING MY CHARACTER AND REPORTING ERRONEOUS INFORMATION ON MY CREDIT PLEASE HELP ME
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXXFalse address I don't recognize. All of my rights were violated, 15 U.S.C 6802,15 U.S.C 1681,15 U.S.C 1681B,15 U.S.C 6801.This company is in clear violation of breaking these laws.
Product: Debt collection

I XXXX XXXX is writing this letter because of a debt that was placed on my credit profile by Jefferson capital systems ( XXXX XXXX ). I was unaware of this debt until it appeared on my credit report. I didn't have the opportunity to assess or dispute this debt. If in fact you believe you gave me proper notification, please send me a copy of the certified receipt with my signature proving delivery and receipt. It is understood that a debt collector has 5 days to put me on notice that they acquired the debt from the creditor. I am to be notified by certified mail or mail with a tracking number advising me of the debt prior to the debt being placed on my credit report. It is my right to be in the position to dispute the debt prior to this debt being placed on my credit report. If you can not prove you notified me of this debt prior to adding this item to my credit report, the debt must be removed as it is a violation of my consumer rights.
Product: Money transfer, virtual currency, or money service

I am writing to formally express mu 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 transaction 's was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Debt collection

I have reached out to the debt collector and their lawyers. Nobody can give me information. I have not received written communication about this debt only communication is whats on my credit report. Please verify the debt because this false accusation are violating my consumer rights!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Account name : XXXX  XXXX, Account # : XXXX Account name : # XXXX XXXXXXXX XXXX Account # : XXXX Account name : # XXXX XXXX XXXX XXXX, Account # : XXXX has violated my rights. 
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 a 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 following items 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 reviewed my credit report and noticed some fraudulent accounts. could you please remove these accounts from my credit file report because they affect my ability to obtain credit. 
Account Number : XXXX Date Opened : XX/XX/scrub>XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Back in XX/XX/XXXX I sent a dispute letter to XXXX and Experian asking them to verify how they determined that my bankruptcy was verified. They have failed to do that they replied with a letter stating that the bk was previously verified and they will not re investigate the dispute. My name could have been used from anyone with the same name as me. If you XXXX my name it pops up all over the web. I have no contract with the courts or anyone else showing that i have filed a bk.
Product: Credit card

Please review the enclosed documents. I would like the bureau to commence an investigation into these accounts, as I have never been late on them, yet they are being reported as such.
Product: Checking or savings account

I 'm tired of them not updating my balance to people so they can see my balances and I 'm also tired of have money then week later it just disappears because there balance system does n't update right nor on time.
Product: Credit reporting, credit repair services, or other personal consumer reports

Customer service would not take care of the negative inquiries reporting to my credit report. 
1. XXXX cus. - XXXX 2.Online info. - XXXX. 
3.XXXX credit. - XXXX Customer services was rude and also poor English.
Product: Credit reporting or other personal consumer reports

XXXX XXXX continues to violate FCRA Laws and UCC LAWS, I am currently in litigation with XXXX XXXX related to acct # XXXX XXXX XXXX XXXX I have retained attorney XXXX XXXX XXXX XXXX. 

We are proceeding with lawsuit pertaining to Full Purchase Refund : Recovery of the total purchase amount due to significant issues such as defects, non-delivery, or failure to meet contractual terms. 

Reimbursement of Out-of-Pocket Expenses : Compensation for any additional costs directly incurred as a result of the issue, including fees, costs, and other expenses. 

Damages for XXXX XXXX : Compensation for the emotional distress and mental suffering caused by this situation. 

Misrepresentation : Claims based on false or misleading information provided by the other party, which induced us to make the purchase.

Fraud : Allegations of intentional deception by the other party for financial or personal gain.

Punitive Damages : Additional compensation aimed at punishing the wrongdoer and deterring similar conduct in the future.

Any Additional Claims Uncovered During XXXX : This includes any further claims identified during the pre-trial discovery process, where evidence is exchanged and examined. 

In the interim, XXXX XXXX has received several certified mail rescinding the contract, since XXXX, which they have chosen to ignore, the opt out request, from all reporting agencies, along with the Revocation of Power of Attorney, and have placed my account in repossession status. I did not give any consent.

I would like repossession and the all late payments removed, actually the entire XXXX account removed from my report on all three bureaus and any other consumer reporting agency. as I have returned the vehicle XX/XX/XXXX. 

This is completely unfair and ruining my chance as securing another vehicle while litigation occurs. I have never been late on any auto payment with XXXX until the vehicle shut down on me in mid traffic earlier this year. I do not deserve to be unsafe and penalized. Ive stopped payment and made it clear to XXXX, they offered a repurchase agreement and XXXX in monetary relief, ( see attachment ) which Ive declined, and decided to sue for what is lawfully due to me. Its unlawful to penalize me for a lemon, especially when Ive made several efforts through CFPB and XXXX directly through all their channels. 

Its a shame as a secured creditor I am being used and abused and mentally strained above it all. Please make this right!
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app ( block , inc ) due to inadequate customer service and fair practices which XXXX the consumer financial protection act. Cash app failed to take timely and effective measures to prevent and address fraud on there platform leaving my account vulnerable.
Product: Checking or savings account

I am a former Wells Fargo customer. And my account was charged unfairly during the time I had the account. I am owed something from the settlement.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX ) was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on XXXX  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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX ) Never Sent XXXX 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

An individual that I know named XXXX XXXX  asked me on XX/XX/2023 if she could Send me some money on XXXX and if I could XXXX her the exact amount back. From that date until XX/XX/2023 this was done XXXX different times. Before I sent the money to her over XXXX I always made sure I had the money in my XXXX  first. She then on XX/XX/2023 had her bank issue a chargeback on all XXXX transactions at once. I believe her bank to be XXXX. The reason this is so ludicrous is because she already had the money that she sent to me on XXXX immediately sent back to her with XXXX. When she issued these XXXX chargebacks it illegally stole {$2700.00} dollars from me instantly. The XXXX is that XXXX XXXX lives in California and I dont know any more than that. XXXX XXXX was planning on trying to scam me as long as her bank did not investigate. Well they didn't! Had someone actually looked at these transactions they would have seen they were on XXXX. The problem is you CAN NOT send money on XXXX WITHOUT a XXXX digit pin number. Even if the bank thought that these were charges made with XXXX XXXX  ' XXXX debit card they still could not have been made WITHOUT the XXXX digit pin. I have pictures and text messages backing up everything i have written here. XXXX shears lied to her bank and all XXXX of these chargebacks are XXXX percent illegal. I have filed a police report where I live with the XXXX Police Department. The screenshot with the case number will be sent as a picture as well as all the transactions she reversed on my XXXX  and anything else i think is relevant. My XXXX account is $ flexbonemoney. This money was taken from my XXXX. I had {$2200.00} on my XXXX balance. All of that was taken and then left my XXXX $ XXXX in the negative. After that it billed my XXXX XXXX card on file for an additional {$550.00}. Although this trasaction happened through XXXX I talked to XXXX different people at XXXX. All of them told me the same thing. A bank issued this chargeback, and they had no choice but to refund the money. So the company at fault here is NOT XXXX. The Company at fault is THE BANK who did these XXXX illegal chargebacks. I believe XXXX of the screenshots I sent shows the sender 's Bank and says XXXX on it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XX/XX/XXXX XXXX has reported incorrect information. I contacted them ( XXXX on XX/XX/XXXX and I was assured that the information on XXXX XXXX ( XXXX ) wasn't the correct score, but my score was higher in XXXX system and was told to check it there. After signing into my XXXX account the score was the same. Since XX/XX/XXXX I have made ( 2 ) payments and after checking today XX/XX/XXXX the score is still ( XXXX ). I spoke with XXXX and was transferred to XXXX XXXX XXXX XXXX @ XXXX. The CSR name was XXXX @ XXXX ; XXXX and the same statement was told to me that I heard on XX/XX/XXXX. I was put on hold and then the line hung up. XXXX has documented untruthful information and my account with XXXX XXXX, stating I had an increase on my account which was incorrect. It was documented by XXXX and Transunion and that I needed to contact my creditor which I did. I have never been late, always paid more, and paid 30 days in advance since the loan. XXXX  is currently doing an investigation into this. According to XXXX records I'm in good standing and they don't know where this information came from. Transunion and XXXX are reporting the same negative information. I've been 100 % on time with all my payments and pay more that what's due every month and to have a score of XXXX, I need answers.
Product: Mortgage

When the Covid virus started i was getting layed off one week here and two weeks there. When the government started doing deferred mortgage payments i contacted Cardinal Financial about doing deferred payments. They granted 3 months deferred payments so i did XXXX, XXXX, and XXXX. I came out of it and starting making monthly payments again in XXXX and requested a loan modification. I never heard anything from them but kept making monthly payment along with multiple call to correct my account. i finally heard from them in XXXX and was told my payment would increase to reflect the missing payment to be spread among the remaining payments on my loan. In XXXX i try to refianance my house with another company and i find out a second mortgage lein has been put on my house through a 3rd party in the amount of the missing deferred payments in partnership with Cardinal. Also the monthly payments i was making wasnt applied to my account until XXXX when the new refinance company started asking for documents. It was put in a holding account and applied all at one time in XXXX which is messing with my interest on filing my taxes this year. Ive called multiple time to correct this but was told it was nothing they could do.
Product: Credit reporting, credit repair services, or other personal consumer reports

While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. 

XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Product: Debt collection

Hello, This collection agency is claiming that I owe {$100.00} for a dispatch service that I've never asked for and requested or agreed on. This dispatch service are showing a dispatch sheet that is made up. I do not agree with it and I believe they don't have any proof of me owing the money to them. The collection agency is saying that the dispatch sheet is a proof but I strongly disagree. I've never worked with the dispatch company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I 'm part of the Equifax security breach. Discovered this breach happened over a month ago and they just notified the public about it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian still has yet, according to the Fair Credit Reporting Act section 609 ( a ) ( 1 ) ( A ) '' through the physical verification of the original signed consumer contract '', to provide me lawful proof of verification. This was not only specifically requested by me in my original notice of dispute but also required by " FEDERAL LAW '' as the " ONLY '' lawful way to verify in order to protect my rights as a consumer. Since it has been well passed the 30 days allotted them as of XX/XX/2018 I am demanding once again that Experian as well as the other bureaus who also are unable to lawfully verify these accounts listed below be deleted immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, This company has Re-posted the same debt multiple times. I contacted them multiple Times to verify the debt and they have not. The company also will not return calls I made. The debt for the accounts listed were settled several years ago and they continue to repost the account. The amount on the debt listed also keeps changing.