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

Hi Recently, I did an investigation on my credit report and found several items and inquiries on there to be inaccurate. 

Under 15 U.S Code 1681e ( b ) Accuracy of report : 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. 

15 U.A Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, 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. 

Please remove the following items from my credit report, immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Please remove the following Inquiry from my credit report, immediately : XXXX ( Bank ) XXXX XXXX ( Finance ) XXXX XXXX ( Bank ) XXXX  ( Bank )
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax and XXXX for failing to investigate my disputes regarding inaccuracies in my credit report properly despite my submissions. Equifax and XXXX consistently respond in 24 hours, stating the accuracy, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C.1681i, which mandates a reasonable investigation of the dispute. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ) 12 U.S.C. 5536 ( a ) ( 1 ) ( B )
Product: Credit reporting or other personal consumer reports

I keep asking XXXX, Equifax, XXXX to provide proof of why or how they claim the collection agency is accurate. I keep asking for what they used to investigation the collection agency is accurate. No one can provide the information because it does NOT exist. The collection agency is lying and Manipulating the system. The keep sending a copy of the lease. But fail to abide by the XXXX  district court judgment
Product: Money transfer, virtual currency, or money service

I 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 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 CFBP 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeated 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 have disputed the following accounts before, all to no prevail. The credit reporting agencies either put a remark on unauthorized accounts and/ or response stated " account verified ". Verified by whom?, and how, when and what certified documentation used to equate to your remarks and findings. I'm demanding the Method of Verification used in the process of this dispute, if this can not be provided then as stated within the literature of the FCRA these shall shall be blocked immediately. The disputed accounts are, ( 1 ) XXXX XXXX {$0.00}, ( 2 ) XXXX XXXX XXXX {$0.00}, ( 3 ) XXXX XXXX XXXX XXXX {$2600.00}, ( 4 ) XXXX XXXX XXXX {$0.00}, ( 5 ) XXXX XXXX XXXX {$0.00}, ( 6 ) XXXX XXXX/ XXXX, ( 7 ) Bankruptcy XXXX, {$0.00} Identity has been compromised please remove
Product: Credit reporting or other personal consumer reports

I write to express my deep concern regarding the unexplained denial of my access to PayPal. It has come to my attention that all my accounts have been permanently blocked without any discernible reason. In light of this development, I hereby demand concrete evidence to substantiate the decision to permanently ban me from utilizing XXXX of the largest and most prominent payment platforms in the world. I maintain my innocence and I am fully committed to vigorously fighting against these discriminatory, harmful accusations, and defamatory allegations. 

It is imperative that I receive a comprehensive account of the activities that were used to determine my permanent ban. I seek complete transparency in this matter, as it is my fundamental right to know the basis upon which such a severe restriction has been imposed on my usage of PayPal. I firmly believe that I have been wrongfully targeted and subjected to unfounded reproach. Therefore, I implore you to conduct a thorough investigation into this matter, providing me with all relevant information necessary to effectively challenge these allegations. 

I place my trust in PayPal as an esteemed and reputable institution to uphold the principles of fairness, transparency, and due process. I request that you afford me the opportunity to clear my name and restore my access to the invaluable services your platform provides. I eagerly anticipate your prompt response, which I hope will shed light on the circumstances surrounding this distressing situation. 

Yours faithfully, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Back in XXXX XXXX of 2022 I opened a credit Builder loan through XXXX XXXX XXXX XXXX. I opened the loan with an initial {$650.00} that was immediately taken out of my account I made my first payment of {$22.00} and they refunded me {$100.00}. The agreement was for every payment I made {$100.00} would be released. I defaulted on the loan but because it was prepaid there is a {$400.00} credit Reserve my account States the {$400.00} was put back into my bank account and on the financial page it reads zero payments were made of {$510.00} make a payment now however, they also submitted the loan to collection agencies and our demanding payment of {$110.00} stating the {$400.00} Reserve paid off the rest of the loan. When this loan was reported to the Credit Agencies my credit score was at XXXX within a month it dropped XXXX points. I have went round and round to no avail I also woke up one morning last month with a {$10000.00} balance in my XXXX XXXX  account also known as my spending account {$50.00} on my credit account {$20.00} on my insta cash account and 10 on my investment and XXXX accounts I wasn't able to access the funds that day I figured they were processing however the following morning when I attempted to use some of the funds they were gone vanish. I called customer service and she said it must have been a glitch this makes me nervous because I had been waiting on some direct deposits and have yet to see any of them. It also appears they have an investment account a crypto account and a round off account that I am unable to access. I know there is money there because I have not made a deposit or an expenditure more than a XXXX XXXX in 3 months and the account would not remain open if that were not the case. I hope that you can help me in this matter I'll be looking forward to your email and I will be looking forward to cooperating fully. I have screenshots and photos of proof if and when you need them.
Product: Vehicle loan or lease

Hi, I finance a car with TD bank Creditors in trade but my last car was outside down around 9000 dollar because the book price was around 9000 dollar  and my payoff was XXXX, the new car price is XXXX XXXX with tax dealer fees but in my credit report i have a new opened account with TD bank with only XXXX dollar, mi monthly payments is XXXX  dollar and the interest they charge me is 10.59 % usually i pay only 1 month and the amount of interes is XXXX dollar and the difference is a principal, so they are uncovering the XXXX as the outside down and they didn't put in my statement the full amount for i paying for that illegal and i a wrong report about my credit it not just. Mi name is XXXX XXXX and my cell phone is XXXX XXXX XXXX XXXX XXXX thanks
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a XXXX XXXX XXXX XXXX  of Debt Bondage and would like for all listed accounts to be blocked and deleted company information. Please delete the following accounts : XXXX opened XXXX XXXX, XXXX Inquiry : XX/XX/XXXX, inquiry XXXX XXXX XXXX, inquiry XXXX XXXX XXXX, inquiry XXXX XXXX XXXX XXXX , inquiry XXXX XXXX XX/XX/XXXX, inquiry XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX reinsertion of debt in violation of XXXX XXXX Statutes XXXX XXXX XXXX ( XXXX ). 
Don't owe Id Theft. Filed ID theft reports. 

Amount XXXX Date XX/XX/year> 2024
Product: Credit card or prepaid card

my daughter is a   XXXX   XXXX   ... .she received a predatory credit card offer in mail interest rate 13.74 %  -23.74 % ..     cash advance 16.74 % -25.74 %  penalty up to 29.99 % a pplied indefinitely ( yes 29.99 % ) lat e payment? {$38.00} returned payment {$27.00} not to mention all the transactions fees ... {$10.00} or up to 5 % of transfer overdraft protection {$27.00} Really you disgust me ..if this is not predatory I do n't know what is  Gee I  wonder why  students are deep in  debt??  XXXX   XXXX   Director..you should be ashamed of yourself
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX XXXX 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 to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX account # XXXX, has violated my rights. 

In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. State I have a 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to inform you of accounts that are inaccurately reporting false information. The accounts in question are related to the creditor, XXXX XXXX XXXX. I have contacted the credit bureaus XXXX XXXX XXXX, and Experian ) on numerous occasions along with contacting the creditor, XXXX XXXX XXXX. To date, I have yet to receive a response from the creditor, XXXX XXXX XXXX. Under the Fair Credit Reporting Act, the CRA has a certain amount of time -- - generally 30 days but up to 45 days in certain circumstances to resolve a dispute. If the item can not be verified by the creditor within the timeframe, it will be removed from the report. 

XXXX XXXX XXXX has yet to provide a response to my initial complaint. I also submitted a complaint with the XXXX XXXX XXXX, my complaint continues to be ignored. However, XXXX, Experian, and XXXX continue to report these accounts as derogatory item ( s ) on my credit report. I have provided all supporting documentation to XXXX XXXX and Experian requesting that these accounts be removed. These supporting documentations can be seen in the form of the following : 1. ) Correspondence sent to XXXX XXXX XXXX XXXX XX/XX/XXXX ) via certified mail 2. ) Reference XXXX  Complaint date XX/XX/XXXX 3. ) Police Report 4. ) ID Theft Affidavit
Product: Credit reporting or other personal consumer reports

Date : XX/XX/2017 Amount : XXXX 15 USC 1692c ( c ) If a consumer notifies a debt collector that the consumer refuses to pay a debt, the debt collector must cease communication.
Product: Checking or savings account

I called Citi Bank 3 or more months ago to close my account and send me a check for the funds. They sent me a check, but never closed the account. During the past three or so months they have been charging me service fees for a account I thought was closed and had a XXXX balance. They are trying to make me pay XXXX or they said they would report to a collection agency and alert the banking network so I would have a hard time opening new accounts.
Product: Mortgage

On XX/XX/2019, I spoke with the relationship manager from the Ocwen Mortgage and I was told that my loan/mortgage was placed into foreclosure. The representative said this action was taken because they said that I requested that the repayment program be stopped. This is not true, last week I spoke with another representative about my concern about the payments being unmanageable for me and asked if there was another step in the process where I could modify those payments. The current repayment program was 1500 more than what I normally pay per month, so I was looking for some relief. She said yes there is another step we can submit for you to review another payment option. She then stated she could complete the paperwork to appeal the repayment amount. I asked the representative could I continue to participate in the current repayment program while she works on the appeal and she stated yes I could. Then on XX/XX/2019, I received a call from Ocwen stating my account was now placed into foreclosure status. I was confused because I never authorized the discontinue of the repayment program. The repayment program started in XXXX and I paid 3,200 so why would I authorize them to discontinue the repayment program, if I began making payments on it. No one can seem to give me any answers and they are researching the matter, however, my home sits in foreclosure.
Product: Credit reporting or other personal consumer reports

Contacted creditor and was unable to resolve issue of incorrect information appearing on credit credit and unable to resolve matter with creditor. Creditor stated my information is not found or able to be located in their system.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, NJ XXXX XXXX XXXX Dear Discover Card Im losing patience here because I have to keep writing you guys about this inaccurate charge-off and you guys keep coming back saying the is accurate. I need you to stop lying to me and to the CFPB stating that its accurate on the previous complaint and hes the compliant number # XXXX. Please look what Discover responded they confirm that this account is accurate. 

Creditor : Discover Card, Account number : XXXX Inaccurate information such as - Account Type on all three credit bureaus. 
- Terms on all three credit bureaus. 
- Comments on all three credit bureaus. 
- Payment History on all three credit bureaus. 
- Last Payment is in XXXX and why on my Payment history is show that XX/XX/XXXX has a on time Payment. 

I did everything you told me to do. So why is it still reporting on my credit report? Why did I get another letter stating that it was verified? How is that possible, when the other two credit bureaus did the same investigation and the item Can you tell me what data you are using to verify this charge-off account? Because the other two credit bureaus are reaching out to the same creditor to investigate this charge-off account? Im not a complainer but I feel that your company is not looking out for my best interest so Im getting ready to filed complaints with the FTC, XXXX, and Attorney General 's offices in my state and your state and Consumer Financial Protection bureaus, because you have failed to fix the problem. Please re-investigate the account below as I have provided you with new information. 


Sincerely XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There are several closed accounts on my Experian, XXXX, and XXXX  credit report that are extremely outdated and need to be corrected by being removed. Also XXXX, Experian, and XXXX  are reporting unverified information on my reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting a loan tradeline to my consumer credit file. This is a violation of the FCRA as I never authorized a loan with an energy company. I'm not sure if that is even possible. 
Next, there was never an opened date or payment history on this alleged loan appearing on my credit file. I never authorized this account nor was I aware that it ever existed as there is no reported payment history or date opened. This account alleges to be a loan tradeline. This entire tradeline reporting is false and is out of compliance with the FCRA. XXXX never provided a loan to me. 
Credit Bureaus are required to ensure that only accurate information is being reported. This entire tradeline is false. I did not accept a loan from XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Identification was stolen and XXXX  credit card with {$500.00} balance was obtained, under id theft. As a result there are several hard inquiries on my credit report. I was able to remove the reporting of the credit card from my report. The hard inquiries remain.
Product: Student loan

XX/XX/year> - I requested a complete payment history through Mohela 's website. As of XX/XX/year> it has not been received.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXX another account opened crossing my info wrong fraud this acct XXXX XXXX. 
Also Barclays XXXX XXXX account I have filed Fraud with my County and XXXX XXXX XXXX reports of Identity Fraud Theft. Some accounts have been removed. These are a few as of now Im doing my best to get info and recognize the Fraud. Thank you
Product: Payday loan, title loan, personal loan, or advance loan

No one is listening to my proposal to resolving my debt with CashNetUSA
Product: Credit card or prepaid card

I paid the entire bill via check and USPS mail, forgetting that I could have paid via bill pay. The mail was sent during harsh wheather. By the time they received my mail and processed the check, another late fee was assessed.

Target Company did not follow the mailbox rule and defrauded me even though it was their fault. 

Current outstanding balance is based on a new late fee.
Product: Checking or savings account

ON XXXX MY WIFE GOT A FRAUD ALERT ON HER PHONE FOR THE AMOUNT OF {$1400.00}. IT WAS A TEXT FROM CHASE BANK. IT STATED WE DECLINED {$1400.00} WITH CARD ENDING IN XXXX AT XXXX TEXAS. WAS THIS YOU? WE IMMEDIATELY TEXTED BACK NO. 

I LOOKED INTO MY BANK ACCOUNT AND I DID SEE ANOTHER CHARGE FROM XXXX TEXAS FOR THE AMOUNT OF {$560.00} THAT WAS PENDING. SO I CALLED CHASE THAT MORNING ON XXXX AND TOLD THEM THE PENDING AMOUNT WAS ALSO FRAUD. 

CHASE OPENED AN INVESTIGATION AND GAVE US BACK THE {$560.00} TEMPORARILY. 

I THOUGHT THIS ALL WAS HANDLED UNTIL YESTERDAY XXXXXXXX  WHEN THEY TOOK BACK THE AMOUNT OF {$560.00}. 

WHEN I SAW THAT I WENT STRAIGHT INTO THE LOCAL CHASE BRANCH ON XXXX XXXX AND XXXX XXXX. I WAS TOLD THAT MY CASE WAS DENIED BECASUE XXXX HAS EVEIDENCE THAT MY WIFE AND I PURCHSED THE TICKETS AND WERE AT THE PARK THAT DAY ON XXXX. 

I ASKED FOR THE EVIDENCE AND WAS TOLD TO CONTACT XXXX. THAT WAS 2 HRS I WISH I HAD BACK BECAUSE XXXX COULD'T FIND ANYTHING FOR ME. 

I ESCALTED THIS WITH CHASE AND THEY SAID MY CASE WAS CLOSED. 

I HAVE VIDEO EVIDENCE AND A PAPER TRAIL THAT BOTH MY WIFE AND I WERE IN ARIZONA ON XXXX. THAT DAY WAS ALSO MY XXXX OLD SONS FIRST DAY OF SCHOOL. WHICH MY WIFE TOOK HIM AND PICKED HIM UP. AND I WAS AT WORK THAT DAY AS WELL. 

WE HAVE NEVER EVEN BEEN TO TEXAS. AND WE WOULD NEVER BUY XXXX TICKETS. WE PERONALLY DON'T BELIEVE IN ORCAS IN CAPTIVITY. 

THANK YOU FOR YOUR HELP ON THIS, I DON'T KNOW WHAT ELSE TO DO.
Product: Vehicle loan or lease

XXXX XXXX XXXX for my mom she was unable to pay the monthly payments and the car was repossessed and scraped for parts with a remaining balance of XXXX but only {$4000.00} is showing up on my side and now say closed and sold as bad debt, to another lender as of XXXX XXXX
Product: Mortgage

This issue was first resolved XX/XX/XXXX with Green Tree Servicing LLC and Consumer financial Protection Bureau case number: XXXX, whereas green tree acknowledged my payments.
What happen in the process: 
On XX/XX/XXXX, I talk with Representative XXXX with Green tree mortgage to get and explanation why every time I make a payment it doesn't show in my account activity for payments receive and principal reduction.  She informed me Green tree had placed my account into a loan modification.  As I explain to her I did not request or sign any documents requesting a loan modification.  She requested me to do two things:
1. Write a letter stating I do not want a loan modification, and I will send the balance of $XXXX needed to bring the loan current on Friday XX/XX/XXXX.  I fax the request on XX/XX/XXXX.  Green tree sent me a letter acknowledging my fax.
2. Mail funds on Friday XX/XX/XXXX as agreed to bring the loan current. On XX/XX/XXXX I mail check number XXXX in the amount of $XXXX to Green Tree.  I've confirm with my bank the funds was processed on XX/XX/XXXX.
Today XX/XX/XXXX
After Green Tree's letter of acknowledgement about resolving this issue Green Tree keep putting me off for the reason the monthly statements did not reflect I was current on payments.  Later Green tree moved my account to Ditech now this issue has not changed and I keep getting calls stating I'm late on payments and this month they reported it on my credit report.  I have details of all my payments to green tree and Ditech showing I have not missed a payment after I brought the payments current XX/XX/XXXX.  
Date	 	Check Number		Payments	         Balance
						
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