23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I dont believe that these accounts are correct, but they are being reported to my credit, and I am trying to make sure everything on my credit is correct. I never had this accounts, i believe, that somebody applied on my name.
Product: Credit reporting, credit repair services, or other personal consumer reports

hi, i paid my entire XXXX XXXX debt off three months ago. it was {$600.00}. i sent the copies of the money order to XXXX in XXXX, PA immediately following. 
XXXX XXXX only raised my credit 100 points. my credit is supposed to increase 200 points. 
i called XXXX XXXX and i dout they are going to do anything.
Product: Credit reporting or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely rectified : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an auto lease with XXXX XXXX XXXX. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. As you can see, I have always had a terrific payment record with this company. I tried contacting the 3 Credit Bureaus with no successful resolution. There was definitely an error on their part. Investigate and update the current status to reflect accurately. Account : XXXX XXXX XXXX XXXX Date opened XX/XX/2017 Balance {$7000.00}.
Product: Debt collection

XXXX cable/phone/internet had a billing error for XXXX form XX/XX/2013. When I pulled credit report I noticed contacted XXXX and they removed from all Credit Reporting agencies and stated billing error on their side. I checked the reports and all entries were removed. Several months later I received a letter from Collection : Debt Recovery Solutions for the same amount. I explained the background and faxed them the receipt of the return equipment to XXXX. The rep advised ( XXXX ) they would remove the account from their files. This week notices the Collections has been placed on my Credit report. I called XXXX and they could find NO records of any Past due, Collections under my name or any address. How can Debt Recovery Solutions report a debt that XXXX states I have none and I sent them proof of 2013 return of equipment
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent numerous requests to the credit reporting agencies regarding errors and inaccuracies on my credit report on XXXX, XXXX and XXXX and have not receieved any correspondence from anyone in regards to my requests and the inaccurrate reporting amongst the bureaus are still present.
Product: Credit reporting, credit repair services, or other personal consumer reports

Wells Fargo refuses to report my on this time payments to the credit agencies. They have told me there is nothing that can be done but call for payment the moment I am a day past the XXXX of the month for payment. My account is up to date and I have not had any late payments since my chapter XXXX was completed. Wells Fargo has only transferred me around within their company and yet no one has been able to help with getting my account reported to the credit agencies. By them not reporting the on time payments they are causing fraud and affecting my credit rating.
Product: Credit reporting or other personal consumer reports

This COMPLAINT is asking for your assistance for formal request for investigation that Credit Bureaus is reporting inaccurate information. I was never late. I always made my payment on time. 

I am very distressed that they have included the below information in my credit profile due to its damaging effects on my good credit standing. As they are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. This is an inaccurate information and is a mistake on either your company or the reporting creditor 's part. Because of the mistake ( s ) on my credit report, I have been wrongfully denied credit recently, which was highly embarrassing and has negatively impacted my lifestyle. 
I'm sure you'll agree, the late payment ( s ) needs to be Removed as soon as possible. The following information needs to be verified and updated from my credit report as soonaspossible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Aroun d  X/X/ 17 w e planned an email campaign for  XXXX   XXXX   XXXX      2017.    Time  was of the essence for the promotion. We wanted to try a free trial version of  XXXX  to determine if it was right us. The trial version requires a credit card number, we provided our Citicard. We never received the trial and were simply charged for a years subscription. Although our correct company information was entered, a different account email address was inserted because of some malfunction by  XXXX  's website. This error created a problem so we could not use their service. After explaining the error to  XXXX  support and informing them timing was critical, they were unable to correct the problem. This problem created by their website delayed our promotion and caused us irreparable damage of time and money. We were never able to use their free trial or any other service from  XXXX  because of their error. We asked them to refund the {$710.00} charged to our credit card. Their response was our policy is NO REFUND. This should never have been charged in the first place. We were never able to use their service, and their mistake damaged our promotion. We attempted to dispute the charge with Citicard but  XXXX  denied the dispute, apparently telling Citicard we received something that we never actually received. They offer a free 14 day trial period so even if we used their service ( which we did NOT ) we should have received a refund under the free trial offer. Citicard denied our claim after their review. Their review was apparently accepting the story from  XXXX  who provided no services and simply took {$710.00}. Citicard showed no evidence of how they made their decision and if they would ask for any there would be none! I do not understand how Citicard can simply decide which party is truthful without evidence to support it. On the response from Citicard they had the nerve to accuse us of lying by stating we received the services which we already told them we never received!
Product: Mortgage

Received foreclosure letter from attorney, Submitted modification request with financials. While my request for modification was being processed, I've tried to call the mortgage company several times I'm hung up on, put on hold. I call back the phone rings and no one answers. I have been calling for several weeks. Finally spoke with XXXX today Selene Finance she stated I never should have been mailed a foreclosure notice while they were working on modification request. I have received several denials all the denial reason have been different. One denial stated a report from XXXX was the reason for my denial. Another denial stated insufficient income, because they had my income incorrect, did not look at the paystubs, bank statements and tax returns, lastly I had a debt ratio issue, I don't understand how. I have read modification are based on your income, I am aware there is a covid 19 modification and other mortgage assistance programs. Did they reduce my interest rate, and monthly payment so I could keep my home. I want a modification and not to be put on a forbearance with is a catch up plan. 
They also refused to give me a forbearance because I was affected by XXXX.
Product: Credit reporting or other personal consumer reports

I went to my mortgage company to get a HELOC and I was advised that I already had a XXXX mortgage on my home that I WAS NOT AWARE OF. The loan I got was supposed to be a personal loan to get solar panels not a XXXX mortgage. My Equifax reports show XXXX in XXXX position and it can not be for me to get a HELOC. XXXX that is handling the loan for the solar panels was supposed to be {$28000.00} but it is now showing an additional charge of {$350.00} for permits that XXXX XXXX was supposed to take care of. I was not aware that the loan for the solar panels was going to be a XXXX mortgage. I feel I have been taken advantage of, I am in my XXXX 's. I am on a fixed income and can not afford this. As an elderly person I feel that I have been misled with the whole situation. XXXX XXXX showed that I should receive incentives and I have never received them.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair credit Reporting Act, XXXX  Account # XXXX XXXX XXXX XXXX has violated my rights 15 U.S.C. 1681 Section ( 602 ) states that I have the right to privacy. 15 U.S.C. 1681 Section 604 ( A ) Section 2 a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 6th 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, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the FCRA ( XXXX XXXX ) has completely violated my rights as a consumer and I'm requesting legal action to remove these late payment indicators expeditiously. 


Account XXXX : XXXX XXXX XXXX # XXXX, has violated my federally protected consumer 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 an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information, Any other adverse item of information, other than record of conviction 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: Money transfer, virtual currency, or money service

I am filing a complaint against cashapp ( Block, inc. ) due to inadequate customer service and unfair practices, which violate the consumer financial protection act ( CFPA ). Specifically, cash app failed to take the timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and regulation E. These actions have cause significant inconvenience and financial loss, and I seek appropriate redress for these violations.
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 XXXX, Account name : XXXX XXXX XXXX, Account name : # XXXXXXXX XXXX XXXX, Account name : # XXXXXXXX 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: Consumer Loan

I made a payment saturday XXXX/XXXX/XXXX. My car was repossessed that day. We immediately tried to phone Nissan but they were closed. We called monday XXXX/XXXX/XXXX and notified them there was a payment made saturday for {$800.00}. They said there was n't any record of it and they said it would take XXXX business days to post. On their website it states it takes XXXX business days to apply payment, which should have been XXXX/XXXX/XXXX. I made another payment to them for the remaining balance on XXXX/XXXX/XXXX of XXXX, which was supposed to be enough to clear it. Both payments cleared my bank on XX/XX/XXXX.Then they proceeded to say they required proof that the payment was paid by my bank in the amount of XXXX as even as off today XXXX/XXXX/XXXX they show no record of it, so I called with a tracer number for the payment but they refused that. I then faxed a statement from my bank showing the payment posted and the amount still that was insufficient. I 've now been told despite the fact the money has been withdrawn from my account that my checking account now has to show a positive balance. I have overdraft protection on my account. all the payments have been paid. but yet they will not release the car so that i may pick it up. every time i call them the requirements that i must meet to gain possession of the vehicle change. and in the meantime I 'm left with no transportation and no money. i believe they are stalling so they may then auction the car as everyday it sits there storage fees continue to increase. this car should have been released on XXXX/XXXX/XXXX.
Product: Money transfer, virtual currency, or money service

On XX/XX/21 I attempted to deposit {$500.00} into my Binance.us account via the XXXX app. Upon hitting submit I received an error message that said that there was a network failure. I attempted to submit the transaction a second time and again received a network failure message. I then returned to the dashboard page of the app and saw that both transactions had actually processed. I immediately attempted to contact via the only means available, a form in their help section and received a template troubleshooting email in response. All other attempts to contact the company to rectify the problem have failed or been ignored by Binance.us.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in the 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 CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

The information is not information relating to any transaction by the consumer/creditor. I've been a victim of identity theft and did not make the charge. All items listed should be blocked, removed and suppressed for these are fraudulent and inaccurate. Fraudulent Account : XXXX XXXX XX/XX/XXXX {$0.00}. XXXX : XXXX XXXX XXXXXX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XX/XX/XXXX XXXXXX/XX/XXXXXX/XX/XXXX
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. 

XXXX XXXX XXXX  Account # XXXX ( {$1300.00} ) XXXX XXXX XXXX Account # XXXX ( 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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

I am a new Bank of America credit card customer. I set up Auto-Pay immediately when I receive my new account information. The settings were to pay my entire statement amount on the due date. Unfortunately, this feature offered by BoFA fails to do what it advertises. Using Auto-Pay for my first two statement cycles has racked up over {$100.00} in non-refundable interest, along with overcharging my checking account by {$4000.00}. Reporting these bank errors to the company has not made any difference in their Auto-Pay product, nor a monetary refund for their mistakes. 

Bank of America 's Auto-Pay feature made the following errors : 1. After setting up Auto-Pay to pay for the full statement balance on the due date, it does not immediately go into effect, unlike all other credit cards, utility companies, and other billing services I have used. The website did not inform me of this delay, and only a customer service agent told me. Therefore, my first statement payment was late as I had to manually pay the statement. I was charged interest and a late fee, though I had already set up Auto-Pay. 
2. Auto-Pay then deducted the 1st + 2nd statement balances from my account, leaving me with a negative - {$4000.00} balance. 
3. The Auto-Pay payment that went through did not clear on the due date of the 2nd statement. I was again charged interest for being late, even though Auto-Pay had OVERdeducted from my checking account. 

Bank of America has refunded my late fee but has refused to refund my interest fees. Bank of America has over deducted from my checking account by - {$4000.00}, a salt in the wound as I'm losing interest on this overcharge. 

In conclusion, Bank of America is advertising a convenient fool-proof solution ( Auto-Pay ) that does not pay the correct amount on time and charges the customer interest for its product failings. Auto-Pay 's failings need to be correctly advertised, and Bank of America is using this feature to falsely charge their most responsible customers, the customers who even sign up for Auto-Pay, fees and interest for simply trusting its products.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX IS AN ACCOUNT THAT I HAVE NOT OPENED OR AM I AWARE OF IT. 

XXXX XXXX XXXX XXXX XXXX IS NOT MY ACCOUNT NOR DID I AUTHORIZE THIS ACCOUNT ORIGINAL CREDITOR XXXX WITH THE SAME ACCOUNT NUMBERS ACCOUNT NUMBER XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Formal Dispute Request for Investigation and Correction of Late Payment Reporting on XXXX XXXX Account Dear CFPB, I am writing to formally dispute the reporting of late payments on my credit report for the XXXX XXXX account with account number XXXX. After reviewing my credit report again, I noticed that despite my initial dispute filed on XX/XX/XXXX, no corrections have been made. I am disappointed to find that the discrepancies still persist, and I am seeking resolution as outlined under the Fair Credit Reporting Act ( FCRA ). 
Summary of Errors : Inaccurate Late Payment : The account is incorrectly reporting a 30-day late payment for XX/XX/XXXX, which does not align with my payment records. 
Discrepancies Across Bureaus : The reported details for the same account vary across XXXX, XXXX, and Equifax, including differences in dates of last activity, dates reported, and account descriptions. 
Failure to Correct Errors : Despite the first dispute on XX/XX/XXXX, no action has been taken to address or rectify these inaccuracies. 
Violation of Payment History Accuracy : My records indicate that all payments were made on time, and this error has negatively impacted my creditworthiness. 
Reason for Dispute : The account in question is inaccurately reporting a XXXX late payment in XX/XX/XXXX, as noted in my credit report. However, according to my records, all payments were made on time for the entirety of the loan term. This reporting is erroneous and damaging to my credit profile. 
Violation of the FCRA : As stated under 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ), consumer reports must only include accurate and verifiable information. Furthermore, under 15 USC 1666 ( b ), creditors are required to mail periodic statements to consumers no later than 21 days before the payment due date. Failure to correct this error and provide verifiable proof constitutes a violation of these obligations. 
Request for Action : Correction of the Reporting : Update the account status to reflect Paid As Agreed Never Late. 
Investigation Procedures : Provide a detailed description of the investigation process followed by your agency as required under 15 USC 1681i ( 7 ). 
Documentation : If the reported late payment can not be corrected, provide documented evidence of the claimed late payment, including dates, amounts, and communication records. 
This is my second dispute regarding this matter. No action was taken after my initial complaint was filed on XX/XX/XXXX. The lack of correction and response is deeply concerning and unacceptable. I kindly urge you to take immediate action to investigate and correct this error, or provide documentation supporting the validity of the reporting. 
Under the FCRA, you are obligated to respond within 30 days of receiving this dispute. Please address this matter promptly and provide written confirmation of the steps taken to resolve this issue. 
Thank you for your attention to this matter. I look forward to your response and resolution. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted an affidavit and dispute forms, I have been ACCUSED of using a credit repair company. I am already battling with these INACCURATE items that were put on my credit report. These accounts were clearly opened while i was XXXX. There was a security breach. I demand these fraudulent accounts be removed from my credit report within 30 days. I expect a response about my claim in 10 days. If I dont have a response in 10 days, i will be filing a complaint with The office of the Attorney General.