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

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXXXXXX Balance Owed : {$830.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX  XXXX XXXX XXXX Owed : {$0.00} XXXX  XXXX XXXX Balance Owed : {$310.00} XXXX XXXX XXXX Balance Owed : {$460.00} XXXX XXXX XXXX Balance Owed : {$1000.00} XXXX XXXX Balance Owed : {$480.00} XXXX XXXXXXXX XXXX Balance Owed : {$440.00}
Product: Credit reporting or other personal consumer reports

My account with all those creditors 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 those account 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.

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: Mortgage

I got behind and tried to do a modification. The doubled my house payment and are not applying any of the payment to principle. Taking their " fees '' off the top. Tried to do a short sale. They said that would take 30 days and they would " think about it ''. Have repeatedly been told by the company I should just let it go back, in other words foreclosure. I had a guy willing to buy for  XXXX  less than owed and they rejected. House needs lot of work. They have been impossible to deal with and Im going to be homeless because I cant pay double payments. I feel like they have oushed me into foreclosure, and the worst part is they act like they have done me a favor. Its a shame. Im not working right now and struggling just to hold on. I am currently caught up on their sorry modification plan, but it still shows like Im behind with all the credit reporting companies because they arent reporting it as paid. So any hope I might have of getting another place will be hindered by this. I have been told the second I miss a payment legal proceedings will be started.
Product: Debt collection

In XX/XX/2019, I was alerted by my credit monitoring service that a company doing business as Sunrise Credit Services had reported a collection account to my XXXX, XXXX, and XXXX credit files. Having no present of former signed contracts or related accounts with said company, I immediately reported the collection as a fraudulent account which does not belong to me. I took immediate action and filed a dispute against said company. My attempt to resolve this matter was to avail. To further my investigations on said company, I researched the State of Alabama Secretary of State website and I have found that this company is not licensed or bonded in the state of Alabama to practice, perform, or otherwise collect debts owed or otherwise in the state of Alabama. The law clearly states that it is illegal practice to perform any debt collection attempts where the company is not registered to do business with the Alabama Secretary of State. This company is not listed on the Secretary of State website as an legal entity authorized to do business in the state of Alabama. I am requesting the matter be resolved by the company immediately deleting the collect account from all credit files, and refrain from any attempts to contact me, as we have no contractual agreements of any sort or other business related matters to discuss.
Product: Debt collection

I had my identity stolen when Massachusetts unemployment had that huge huge break in a few years ago and I lost thousands from my checking account as well. 

Citibank is a card that I inherited in my divorce and they sent it to collections just when I could pay it end its charger off right now on my reports and I would love to just pay city directly the full amount that I owe them of XXXX, then pay XXXX to a debt collector I have attempted to get in touch with someone there to discuss this and have been completely unsuccessful. I just get put on endless holds. 

I have the full amount in hand in my bank and I am moving out of my XXXX dollar family home and downsizing next month to a condo so Credit is excruciatingly important if I could pay Citi the full amount can they take it off the report, the months and months they switched to charge-off are killing me, and they just dont seem to want to talk to me.
Product: Credit reporting or other personal consumer reports

Dear Sir or Madam, I am writing to dispute the accuracy of the following accounts and inquiries appearing on my credit report with Experian. These items are not related to any transactions I have authorized and are the result of identity theft. 

Accounts to be removed : 1. XXXX ( Account # : XXXX ) 2. XXXX XX/XX/XXXX ( Account # : XXXX ) 3. XXXX XXXX ( Account # : XXXX ) 4. XXXX ( Account # : XXXX ) 5. XXXX ( Account # : XXXX ) Inquiries to be removed : 1. XXXX ( Date : XX/XX/XXXX ) 2. XXXX XXXX XXXX ( Date : XX/XX/XXXX ) 3. XXXX XXXXXX/XX/XXXX ( Date : XX/XX/XXXX ) 4. XXXX XXXX XX/XX/XXXX ( Date : XX/XX/XXXX ) 5. XXXX XX/XX/XXXX ( Date : XX/XX/XXXX ) Please block these items from my credit report pursuant to Section 605B of the Fair Credit Reporting Act ( FCRA ) and notify the furnishers of these items regarding this dispute.

Enclosed, you will find the following documents to support my claim : A copy of my Identity Theft Report and proof of identity.

A copy of Section 605B of the FCRA for reference.

Thank you for addressing this matter promptly. I look forward to your confirmation that these items have been removed. 

Sincerely, XXXX XXXX
Product: Mortgage

I called them and told them I have XXXX and give me till XX/XX/2019 to pay the rest they called me an XXXX and told me I'm gon na lose my house and hang up on me the rest been trying to take my house from day one
Product: Credit reporting, credit repair services, or other personal consumer reports

They lied. They claimed that I have  XXXX  open accounts. It 's not true. I only have  XXXX  open credit card accounts. They gave false report and scores to the car loan company. I could n't get the loan because of the companies ' false reports. So my dad cosigned with me because he has great score.
Product: Credit reporting, credit repair services, or other personal consumer reports

Made several attempts to have the company verify and contest to contract regarding unknown delinquency on the credit file. XXXX XXXX XXXX are being non-complaint of FCRA Guidelines.
Product: Checking or savings account

Deposit check in the amount of {$1500.00} by XXXX XXXX ( check by XXXX ) to Chase Bank checking account on XXXX and teller and later management told me or will be on hold until XXXX no reason why. 
Thats not huge amount to hold and not even portion released totally unexpected.
Product: Student loan

On XX/XX/2023, I accessed my Aidvantage account to try to understand what my interest rates would be when I start repayment. I went to " Account Summary '' and " Loan Details, '' looked through my various different student loans, and couldn't find any information about what my interest rate would be now that student loan repayments are starting again. I have included a PDF of the loan details for one of my student loans demonstrating that interest rates are displayed as 0 % with no information about where interest rates will stand in XXXX. Aidvantage seems to be hiding this information, claiming instead that the interest rates are 0 %. This makes it extremely difficult to plan repayment in advance. They do show the total to be repaid that clearly incorporates an interest rate, so they should transparently display those interest rates instead of misleading their customers.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a complaint to XXXX  and received a form letter. It is evident XXXX didn't read or was to lazy to respond maturely. The complaint was specific but XXXX replied back - Unfortunately, at this time, we are unable to process your disputes, as they are not specific. 
Perhaps they just have people that don't know how to respond other than pushing a button to send form reply outlined by others. So as a test, I will submit the complaint again. My complaint and request was - Credit Reporting Agencies have stated that a verbal permission to access a credit report is allowed for a company. May I have the section in the FCRA that allows verbal permission for a company, not a person, to access consumers private credit report? 
Is the CFPB a waste of money?
Product: Credit reporting or other personal consumer reports

My consumer rights are being violated with this inaccurate information! I have a right to be treated fairly by those who control it, so please provide me all available details on how they came up short in their responsibilities towards accuracy and compliance. I am officially challenging you to review your data on file for me! With the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U S C 1681I ) and Metro 2 compliance standards, I challenge all inaccuracies or deficiencies of reporting. The credit report I received was not accurate, which surprises me because you should be adhering to the FCRA and applicable Metro 2 data field formatting standards.

As a consumer, I have listed the concerns about your reporting in this document. It is not complete and does not meet applicable standards because according to law you are required for both FCRAs as well as Metro 2 compliance which must be done truthfully with correct information being provided timely so that none of my rights are violated I am aware that you have been sending out form letters in response to many of the disputes and challenges that consumers have submitted, regardless of the specific information that they have provided. This is illegal, as each dispute and challenge must be addressed individually and on its own merits. My letters were created using software that is available to everyone. If you don't process my letters, you are violating 15 U.S. Code 5 1681i.

Keep in mind, you are not allowed to delay processing letters from consumers based on the assumption that help from a third party may be available. This is not a legal exception. I am the author of any letters you receive with my name on them. Either I or my advisors wrote them with my full knowledge and consent. I am aware that there is no law that says you need to provide a Power of Attorney in order to delay processing letters from a consumer. If you do not process my letters in a timely manner, I will consider it to be an intentional disregard of my rights as a consumer. I will then contact my lawyer to take legal action. 

Summary of Accounts being challenged in list form XXXX XXXX XXXX XXXX Late Payment {$0.00}
Product: Credit reporting or other personal consumer reports

I am reaching out to due to a form of identity theft. 
This account is not mine. As a consumer, I am aware that if I didnt give permissible purpose for XXXX XXXX XXXX to report this account & it was done without my consent & is a form of identity theft per the law. If you fail to delete this account, I will have to proceed to taking further action. 
This account is not mine & needs to be deleted. 

XXXXXXXX XXXX XXXX XXXX XXXX Last 4 digit of SSN : XXXX
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX  XXXX XXXX Balance {$3600.00} XXXX  XXXX Balance {$0.00} XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX
Product: Debt collection

Pay the balance for XXXX  that has to do with XXXX XXXX  and it was paid in full and I did a complaint on this cfpb and the merchant replied back that it was paid in full but it's still on my XXXX  and XXXX  credit report
Product: Vehicle loan or lease

I called the company out to explain the terms and conditions and they treated me unfairly miss lead. let me by giving me false information
Product: Money transfer, virtual currency, or money service

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. 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 consumers safety.
Product: Debt collection

The company called a relatives personal cell number regarding this debt. They already have my contact information yet got the contact information of people unrelated to this debt and have called repeatedly, dates as follows : XX/XX/XXXX XXXX cst This call was made from representative XXXX XXXX, phone number XXXX for Williams & fudge inc to phone number XXXX XX/XX/XXXX from phone number XXXX, left voicemail XXXX XXXX cst from number XXXX, left voicemail
Product: Credit card or prepaid card

Received a letter from U.S. Bank cardmember services in XX/XX/XXXX stating that my visa platinum credit card interest rate would be increasing XX/XX/XXXX, the rate will be increased from 13.99 % to 18.99 %. called cardmember service on XX/XX/XXXX to find out why, they stated current account pricing and credit bureau information is what they used to determine the increase. Have a service from another credit card company that monitors my credit and there is no derogatory reports. My history with us bank has no derogatory history, my balance with u s bank credit card is well under my credit limit the monitor service i use is same credit bureau as they used to come to the decision Later the same day talked to representative at u s bank who agreed that i should file a complaint because it wasn't fair that they raised the rate, but she said there was nothing she could do to help me with my concern. I have 4 other credit cards thru other institutions that hav n't changed. I have had this credit card for 20+years with no problems. U.S. Bank XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

statement of pertinent facts Consumer Name : ( XXXX XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/year> ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following company never proved their methods of verification through several stages of written credit disputes : - 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 The letters that were sent out are as follows : dispute letter 1 -- mailed on XX/XX/XXXX and received on XX/XX/XXXX dispute letter 2 -- no response letter mailed XX/XX/XXXX after over 30 days of no response dispute letter 3 -- VIOLATION OF FCRA RIGHTS DISPUTE LETTER # 4 mailed XX/XX/XXXX after 30 days of no response or correction to the credit reports. 

the credit bureaus all failed to respond within the proper timeframe and also failed to prove their method of verifications on how they " verified the information as accurate '' according to my most recent credit report that I obtained through myfico. 

No response from any of the credit bureaus within the given timeframe nor the companies. the companies have also tried to contact me illegally during this timeframe which is illegal to do in accordance with FCRA guidelines when disputes are underway.
Product: Debt collection

CAPITAL ONE- From XXXX, XXXX to XXXX, XXXX, I made numerous reports that my credit card reflected unauthorized charges. I had this card since XXXX and rarely used it as history shows. When I did use the card, the balance was paid off the following month. Attached is a copy of my credit score of XXXX from XXXX, XXXX. I filed a police report, then a restraining order as I quickly realized that this was a man I dated for a few months. It wouldnt have lasted more than a couple dates, but he was not easy to break it off with. I knew was using it because he paid his cell phone bill with my card. When I confronted him, he threatened harm to me and my daughter. He said he had connections with gang members and as I continued to pursue action against him, I started living in fear from the threats he made, he had hacked my computer, made constant drive-bys or waiting outside until police were were called. My credit card was replaced at least 6 times, but that didnt stop his ability to use it. Finally, the credit card company agreed to reverse the charges. But upon receiving my statement in XXXX, XXXX, they only reversed the charges beginning in XXXX, XXXX totaling {$2400.00}! My credit card was maxed from XXXX, XXXX to XXXX, XXXX leaving a balance of {$9300.00}. I only continued making payments in good faith that they would resolve this issue. After they reversed a measly {$2400.00} and as the threats were increasingly real, my familys safety was critical. He evaded being served for the restraining order over the course of several months and I was told that the police couldnt continue to attempt serving him, but that I would need to hire a server. We were living off of food stamps already, so I was was in no position to hire a server. Now they are seeking a judgement lien while I can barely make rent. Shame on CAPITAL ONE!
Product: Credit reporting or other personal consumer reports

After a dispute filed Via CFPB with Equifax, I no longer have access to my account nor can I get my free annual credit report to make sure all the information on my file is verified to be correct. I contacted Equifax but they ignore my request as they always do. Please note that in my last dispute with Equifax they refused to fix an improper use of my credit by a company and now they blocked access to my own account.
Product: Checking or savings account

Complaint for illegally disburse {$120.00} on XX/XX/2018 On XX/XX/2018 I filed a claim with Wells Fargo bank stating that I totally disagree to pay {$120.00} from my checking account before this payment posted on my account on XX/XX/2018. The claim number is # XXXX. On XX/XX/2018 after I have spoken with Wells Fargo Claims Department staff named XXXX ( refused to disclose her last name and ID number per my request ). This staff told me that claim has been closed. I told her that its totally against my will to close this claim because I never agree to pay this {$120.00} with merchant. I never had any agreement with this merchant. Actually I am absolutely enemy with this merchant - State of Maryland XXXX XXXX 's county who brought me all kinds of life damages, losses, trauma, pain, suffering in the past 8 years. I have sued numerous time lawsuit against this merchant to the U.S. District Court. During the conversation with the staff named " XXXX '', I said the reasons I am asking {$120.00} to be back due to following reasons : 1. I qualify fee waiver because currently I am receiving Federal Means Tested Public Benefits such as Medicaid etc. ( see attachment ). 2. I am extremely NOT satisfied with Merchant 's service because they filed wrongful lawsuit to damage myself and my property. 3. The merchant made mistake and error by repeatedly making false judgment. 4. XXXX XXXX and XXXX XXXX XXXX county should responsible for this {$120.00} because they are the party who caused this expense. 5.  The merchant brought me severe harm, damages, losses, trauma, pain, suffering by demolishing my home, illegally sold my property, ruin my dignity,. damage my health, steal my bank accounts, steal my personal belongings, vandalize my vehicle etc. For such type of criminal activities happened for 8 years caused by the merchant, I can not convince myself to pay this {$120.00}. 6. The merchant forced me to pay {$120.00} by stating that " if you do not pay {$120.00}, I will cancel your Appeal ''. 7. According to the federal and State law, I am qualify for the Fee Waiver because United States owe me at least {$210.00} per day plus all other damages, losses, pain, suffering the State, local agencies owed me total {$3000.00} XXXX @ 20 % interest. 8. I also told this staff that I filed a complaint against the judge who repeatedly making false judgment. I can not use my money to cover your fault. Finally I told this staff that the bank still owe me {$1500.00} promotional bonus for both my personal and business checking account which I reported in the past. See previous complaint. AT THIS TIME, I AM ASKING TOTAL {$3000.00} XXXX WITH 20 % INTEREST FOR ALL MY DAMAGES, LOSSES, TRAUMA, PAIN, SUFFERING THE STATE OF MARYLAND AND STATE OF CALIFORNIA PLUS SOME OTHER STATES BROUGHT TO MY WHOLE LIFE. SEE ATTACHMENT.
Product: Checking or savings account

Someone I lived with in XXXX  tried to deposit a check into my Bank of America checking account without my consent and the fraudulent check was rejected because it wasnt me. Bank of America closed the checking account and ever since I havent been able to open any checking accounts with any major banks.