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

Recently, I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) Billing Error : ( 4 ) The creditors failure to properly reflect on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature on a statement.

15 U.S. Code 1666b - Timing of Payments ( 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 XXXX ( b ) ( Statement required with each billing cycle ), is mailed or delivered to the consumer no later than XXXX  days before the payment due date.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established this account. I have no knowledge of obtaining any of the accounts listed here. 
XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX of inquiry XX/XX/XXXX
Product: Mortgage

On XX/XX/2024 my property in XXXX XXXX received damages from a flooding event. My flood insurance provider, XXXX, inspected the damages and sent me checks to pay for the damages and to replace my personal possessions that were destroyed. The checks were made out to me and PennyMac and require both of our endorsements. PennyMac is refusing to endorse the checks to allow me to pay my contractors for the work to repair the property. My attempts to communicate with PennyMac are routed to a call center in the XXXX with call takers who do not appear to have any ability or interest in resolving the issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed in a copy of my FTC report showing fraud on several accounts. I submitted the FTC report to all three bureaus ( XXXX, Equifax, XXXX ) and none of the accounts have been removed or updated from my current credit reports. They are in direct violation of the Fair Credit Reporting Act and Fair Debt Collection Practices Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital One is reporting erroneous lates on my credit file. During this last year i experienced hardship due to COVID. I called Capital One and let them know so that we can work something out. I let them know that my income was cut and money was tight due to the pandemic. They were willing to work with me but unfortunately i was only able to make partial payments for a few months until i got completely caught up. Like i mentioned before i was in contact with them through out the whole process and continued making payments just not the full amount. I am asking if they could remove the lates for these months. I truly did not mean to be late nor did i want to be but under the circumstances i tried my best and got them partial payments. Under the federal mandate, CARES ACT you can not report lates during the pandemic and as i stated before these lates payments were caused by the pandemic. I have this account open for a few years now and if you see my records you can see I always made my payments on time up until we hit the pandemic. Please remove these lates from my credit file.
Product: Credit reporting or other personal consumer reports

I'm asking Captail One for my opt out forms. My consumer right is that I have the right to privacy this is clear in the gram Leach Bailey act. 

Capital one shall stop reporting this account immediately or within 15 days. 

Don't not send a response saying accurate or verified, please address the matter at hand and fulfill the request I asked of you give me my disclosures giving me the ability to opt out this was never given to me fro the beginning of this transaction which is a violation of truth and lending act.
Product: Debt collection

I have received a collection letter from Southwest Credit for a XXXX cable bill.I called XXXX cable and they stated that they do not have any record of me owing any money from any account with them.They have never heard of this company.
Product: Vehicle loan or lease

XXXX XXXX was paid off on XX/XX/XXXX - the amount was {$15000.00}. Ally Bank acknowledged the payment on XX/XX/XXXX. I was told I would receive the title within 7-10 business days with XX/XX/XXXX being the latest. I have received three official pay-off letters. And I have screenshots of the transactions from their website. As of today, XX/XX/XXXX, I still have not received the title. I have called five times and talked to five different representatives who have given me five different answers. I was told to wait twice, to get a duplicate from the IN XXXX ( which I have requested/not yet received ), and finally, that they would send me another title. ( I was told previously this was not possible. ) the car was sold to an XXXX XXXX  who provided the funds through his Credit Union. However, the car is sitting in my driveway, uninsured, waiting for the proper transfer to him.
Product: Credit reporting or other personal consumer reports

I'm DISPUTING inaccurate personal information found on my credit report. The following information is NOT ME and I have NO RELATIONSHIP to it. Please remove the following information from my credit report immediately. 
XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, NY, XXXX, XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX, FL, XXXX and XXXX XXXX XXXX, XXXX, FL, XXXX.
Product: Debt collection

The bill was paid on XX/XX/2016 and I have sent copies of cancel check to them, but they are not doing anything about it. The check was sent to XXXX base on there statement. The only thing that they have done it sent me to collocation XXXX ( XXXX ).
Product: Mortgage

my mother got behind on her mortgage because of XXXX and she had a fire that destroyed the house and we had to pay XXXX mortgages and she couldn '' t do it. XXXX to rebuilt and another to pay her mortgage to nationstar.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am in receipt of the credit report for XXXX XXXX I and it has been forwarded to me for a response. The ONLY ADDRESS that should be listed on report is XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX. Pursuant to 15 USC 1681b ( 2 ), no accounts should be reported without the WRITTEN PERMISSION OF THE CONSUMER. 
I am requesting that TRANSUNION substantiate the claims made there under for XXXX XXXX in order to properly verify its summary and/or claim. The following claims made thereof can be substantiated by submitting the following pieces of information and/or instruments of indebtedness. 
1. Proof of the existence of an alleged account and/or contract in the actual flesh and blood name of for XXXX XXXX duly signed and witnessed by both parties and both seals, not a unilateral agreement and upon which signed page there is reference to the entire agreement. 
2. Proof of claim that the agency listed for the claim is the current holder of the original note above mentioned alleged debt instrument and that it is not been on-sold to another party.

3. A true certified copy of the actual accounting whereby bank essay has incurred a loss of the alleged debt with accordance to the General Accepted Accounting Principles ( GAAP ).

4. A True Bill inked in blue with Bill and value marked upon it's face and not a statement for any amount of money allegedly owing or owed to bank essay by for XXXX XXXX that conforms to the Bills of Exchange Act and the Trust and Loans Company Act and has not been endorsed by a federal agency with pursuant to the Financial Administration Act and the Bank Act.

5. Proof of claim that there is any lawful money in circulation in the involuntary bankruptcy of United States backed by anything of value*.

In addition to the above, the credit reporting agency is portraying itself as a credit bureau, when according to federal law, the only bureau is the Consumer Financial Protection Bureau. That is a false and misleading representation. Violations through 15 USC 1681 and 15 USC 1692, with consumer liability under 15 USC 1681n and 15 USC 1692k.

A Bill of Particulars will be forwards for violations of consumer rights. Please do not use automated systems, or E-Oscar to review or verify any information containing to my communications with your company. I am requesting that you abide by all terms set forth within this document. 
Should the claimant fails to provide credible evidence as prescribed within this document, I the Agent XXXX XXXX am requesting that you remove the accounts enclosed immediately and forward the results to me in the above mentioned postal address in a timely manner in accordance with federal consumer protection laws.
Product: Mortgage

as I was typing my complaints this morning to cfpb, I received what appears to be a fake foreclosure letter with XXXX 's logo on it. it didn't have my legal name on it but the first XXXX letter of my middle name and my first XXXX letters of my mom 's name. how would someone other than the lender know about my financial woes? in order for a foreclosure to take place in XXXX it has to be filed in the courts and it can't be done ' while in forbearance. when forbearance over a partial claim is supposed to be submitted to bring everything current. you can also see they didn't put my complete address XXXX XXXX name and another city I don't reside in. telling me I better vacate my property. who would know to send me something like that threatening me like that. none of the proper channels have been taken to even do a foreclosure, no proper notice no nothing... .but again can't do foreslcoure without filing in court first, and also giving legal proper notice to borrower. but how would someone know about my financial woes and email address to send me this? these are things files in court first then sent through postal mail. pls investigate who sent me this fake letter.
Product: Credit card

On XXXX/XXXX/2016 I received an e-mail from Citi group advising that my Diamond Preferred Citi credit card was closed due to inactivity. I called right away but was not able to speak with a representative. On XXXX/XXXX/2016 I called and spoke to XXXX who advised she was an " account manager ''. XXXX confirmed that the acct had been closed ; I advised that I did not want my account closed and that I was concerned about it effecting my credit score. I asked for the card to be re-opened to which she responded could be done by me applying for the same card that they just closed. I asked why I did not receive a heads up that the card was going to be closed to which XXXX responded " this is exactly why we do not send heads up because the customer will go out and use it once and then never use it again and we do n't want that ''. I could not believe what I was hearing, I understand Citi bank wants to make money but to relay that information in such a manner to the customer is ridiculous. I advised that I am sure the higher ups would not want her telling customers that that is the reason they do not provide a heads up and she should not tell anyone else that. As someone who works in customer service customers like to feel like more than just a number. I do not any any inquiries on my CBR so I declined and asked who I could speak with to have the card re-opened without a CBR pull. She said she is the only one I can speak to. I had to threaten to write a complaint before she would escalate my call. I then spoke to XXXX who said he was an " officer in charge ''. I repeated my request to XXXX advising that since my card had been closed due to inactivity and it was just two days ago that it should be able to be re-opened without the CBR pull. He asked me 3-4 times if I wanted to apply after I made it very clear that I did not. I have XXXX other cards that are associated with Citi bank outside of the one that they closed. I am requesting my account be opened.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent Consumer Financial Protection Bureau ( CFPB ) lawsuit highlighting systemic issues with the platform. As a frequent user of Zelle, I have encountered discrepancies in my transactions, which I promptly reported to both my financial institution and Zelle. However, my claims were inadequately addressed, with both parties stating that recovering lost funds was impossible and tracking these transactions was unfeasible. The CFPBs findings have brought to light critical flaws in Zelles dispute resolution process, including a failure to protect consumers and allowing repeat offenders to exploit the system. These lapses leave users like me vulnerable to scams, eroding trust in the platform. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting or other personal consumer reports

I am not responsible for this account, have tried to remove the inquiry from my credit score but company was not able to resolve the issue. 

First Credit Services Opened on XXXX In the amount of : {$150.00} I have not given consent to any type of payment for services. This is not my responsibility as I have no commitment with First Credit Services. The company who sent me to collections has been in prior communication and I have notified on multiple occasions via email, mail & in person of this ridiculous amount that has been accumulating throughout the year. I have no association with them and have proof of all closure.
Product: Credit reporting or other personal consumer reports

I am writing to formally demand the immediate deletion of any derogatory information on my credit report that has not been fully verified as true, correct, complete, and compliant with all applicable reporting laws, including the FCRA, XXXX, FDCPA, and XXXX XXXX COMPLIANCE STANDARDS.
Product: Money transfer, virtual currency, or money service

My bank is being slow to send information to XXXX
Product: Checking or savings account

I had bank accounts with PNC for the past 10-20 years. I have always been able to bring my public facing account into a positive deposit balance. PNC has never shared the private account balance, or provided necessary tax forms to declare the value of principal funds, interest, or other accounting details, in accordance with GAAP accounting principles. 
On XX/XX/XXXX, I met with a bank representative XXXX. I showed him my Tbonds at the U.S. Treasury, with a value of {$33000.00}, and asked for his assistance to make the transfer from the Treasury Legacy account to PNC. He signed and stamped the Treasury paperwork. I register mailed to the Treasury. On XX/XX/XXXX, the U.S. Treasury notified me that they would not be completing the transfer, PNC had closed my account. 
My account was insured by {$250000.00} FDIC insurance against any negative incidents, by the U.S. Government. Rather that use the insurance money to credit my public facing account number XXXX, the bank kept the insurance money, and private account balance principal and interest, essentially stealing my money. This will be reported to the IRS/U.S. Treasury, and I will certainly be reimbursed. However, I wanted to bring this issue to your attention, and make a formal complaint that Banking Rules are not being followed and my Consumer Credit has been negatively impacted by this unauthorized closure of banking accounts by PNC. I no longer have access to my banking/Consumer Credit transactions to be able to accurately file IRS tax forms. So I will have to request an audit of the accounts by the IRS. This is a huge inconvenience. Additionally, I am unable to access Consumer Credits and exchange them for Federal Reserve Notes, or create bank drafts needed for consumer credit transactions. My ability to trade and do commerce freely has been diminished by the actions of PNC bank. I am requesting access to my accounts be restored, so that I may freely access my consumer credit activities, and be able to participate in the marketplaces and IRS in all required manner for myself and the Trusts which I am Trustee. Thank you for your consideration.
Product: Payday loan, title loan, personal loan, or advance loan

Between XX/XX/XXXX and XX/XX/XXXX, I personally funded approximately XXXX peer-to-peer short-term loans through XXXX XXXX. Out of these, XXXX loans remain unpaid by the borrowers. Initially, the company managed the repayments well, with loans being repaid within the agreed timeframe. However, around XXXX  days after funding additional loans, XXXX XXXX  ceased reimbursing me for all outstanding loans, late fees, and penalties. 

Issue : In XXXX, I contacted XXXX XXXX on at least XXXX occasions to inquire about the status of the loans and to understand the actions taken to recover payments from the borrowers. Each online chat ended with an apology and a promise to provide a status update, which has yet to be fulfilled. Additionally, I have been unable to log into my account despite using the correct login information confirmed by the company. As of now, XXXX XXXX  owes me over {$7000.00} in unpaid loans and fees.
Product: Mortgage

Financial Freedom 'the reverse mortgage specialist ' has been giving my XXXX-year old mother the run-around for the last three months since she notified them she vacated her home with a 'no fault ' home equity conversion mortgage ( HECM ) , in trying to complete Financial Freedom 's 'streamlined ' deed in lieu of foreclosure process. My mother is on an extremely limited income and can not continue paying for this property while Financial Freedom gives her the run-around in trying to complete the process. Financial Freedom has placed a lock box on the house and told us we can not access, yet they refuse to complete the deed in lieu of foreclosure process and they refuse to tell us what the next step is to complete the process of getting this HECM reverse mortgage/home out from under my mother 's name and responsibility. SHE HAS VACATED THE HOME! As of now it 's completely stuck in Financial Freedom 's limbo and every time we call customer service and that department to speak with a manager or the specialist handling the account they say that everyone is a meeting or on break or on lunch and will return our call but a manager or supervisor NEVER calls us back. Every time we call, we get a different answer where the deed in lieu of foreclosure process is at and no one can tell us what the next step is to complete or what is needed to complete it. They are intentionally trying to delay the process and even an email from their legal office says they are purposely delaying for an unknown reason. Please help. My XXXX year old mother is losing her faculties and health is failing. This predatory and deceitful practice by Financial Freedom is taking its toll on her health and her finances. I have power of attorney for my mother and her estate and have provided that to Financial Freedom already. PLEASE HELP US.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

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





XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian 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 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

I was XXXX mortgage relief thru MIHAP for XXXX and the XXXX XXXX XXXX refused to accept the MIHAP funds of XXXX per XXXX XXXX representative on XX/XX/2023.
Product: Credit reporting or other personal consumer reports

I did not consent to, authorize nor benefit from any of the following inquiries or accounts. Block and remove them. Please remove all fraudulent inaccurate accounts as I have no know of any of these accounts due to the XXXX XXXX XXXX data breaches/ identity theft. All is being investigated by the FTC and CFPB. According to FCRA 605B this information must be blocked immediately until the investigation is over. Since 4 business days from receipt of this communication allotted under the Federal Law to block these entries, it should be understood that failure to do so within a 4 business days period after receiving this letter constitutes reason to promptly delete the information from my credit file. Refer to : ( FCRA USC s 168li ( S ) ( A ) ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Went to get my free annual credit reports from XXXX XXXX XXXX. XXXX  and XXXX  worked fine. When I went to get the Experian one, it says, " A condition exists that prevents Experian from being able to accept your request at this time. 


To obtain your Experian annual credit report, please mail your request to the address below using the XXXX XXXX XXXX Request form. 


XXXX XXXX XXXX Request Service XXXX. XXXX XXXX XXXX, GA XXXX '' In this day and age, it is unacceptable to request consumers to send snail mail to get a credit report that the credit bureaus are required by law to provide. Furthermore, their error message is generic, and does not explain the nature of the issue. It is poor programming, and they should be held to a higher standard.
Product: Credit reporting, credit repair services, or other personal consumer reports

The account that was in collections with Portfolio Recovery Associates was paid in full and keeps bouncing from removed from collections to new account added to collections which is directly affecting my credit score. The last time they added it back 19pts were taken from my score. I asked them to remove the acct and they told me that they do not do that. This information is false and the acct isnt new to collections. This acct is fully paid off and their information is inaccurate and false. This also is adding derogatory remarks to my report. The most recent removal and adding took place on XX/XX/XXXX18.