23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I have tried to deposit a check several times via the XXXX application and XXXX refused to cash it without providing any details. After calling several times, they acknowledged an IT issue, and they refuse to deposit the check until this would be fixed. I have a closing mortgage deadline upcoming, and I don't have time for that. Despite explaining the situation, they refused to cash my valid check which had a substantial impact onto my closing as part of fund evidence. I have asked to speak to a XXXX [ XXXX ] which refused to provide her badge number and location and refused to also escalate my complaint
Product: Vehicle loan or lease

Cap One Auto sent a letter in XXXX stating autopays will stop, even though there was still a balance owed. Account closed due to terms ending. I had pushed payments to the end of the loan due to Covid-19. I was told I had 2 extra months of payments, but Cap One said it was all due immediately and reported me late after the fact. And this is during a pandemic! This is not acceptable, false and deceptive.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX
Product: Debt collection

For the last couple of days, my wife and I have received phone calls for some sort of debt collection. So I called them back, and they verified the last 4 of my soc sec number. Then proceeded to say that I am being sued for over {$5000.00}. I asked from who, they said from citibank in 2002. I said that's a very long time ago, I'm gon na need a validation letter, contact info for the rwp at citibank, and info on what exactly the money was for. He said he would have that for me in court. He said they would put a lien on my vehicle, house, and banking account. I told him he isn't getting any money from me until my requests are met. Then he got verbally aggressive, threatening to beat me up, my wife heard this and started yelling at him. He then was very disrespectful to her, calling her a horse and asking me to keep her out of a man 's conversation.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the following information that appears on my XXXX report from XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX and a balance of {$0.00}. 
I dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account. 
Please reinvestigate this matter and delete or correct the disputed information as soon as possible. Thank you for your assistance. 
In light of the CFPB lawsuit filed against XXXX on XX/XX/XXXX, I respectfully request that you conduct a thorough investigation, as required by the Fair Credit Reporting Act. Please do not accept the findings of any furnisher who hasn't provided comprehensive and detailed results. I ask that you share the specifics of your investigation, including the furnishers response, via mail.
Product: Debt collection

I was in a car accident and I had gap insurance. The gap insurance covered 100 % of the loan. They claimed I owed them more after being paid by my insurance company. Credit acceptance contacted me and threatened me to pay money I do not owe them.
Product: Checking or savings account

Chase closed our Business account. We are a XXXX XXXX business. Among other customers, we serve low income communities that can only pay with cash, therefor, 10 % of our income comes through cash. Chase has decided to close our business account for no reason and gave us no explanation. Our account manager thinks it is because of cash payments. This sudden closure is a huge hardship for our business AND our customers. I might have to stop taking cash payments to prevent our account from closing again when we open an account with another bank, which will impact our most vulnerable clients. 

Our books are very clean. We know where cash is coming from and what is being used for, but, even though we have tried so hard to keep everything in order, the bank goes ahead and closes our account with no explanation, causing great problems for our business and customers.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a certified procedural verification letter dispute # XXXX XX/XX/19 requesting documentation of proof of the accounts referenced in the letter to be valid and that the collection agencies, XXXX, any third party or court provide me documents of the alleged collections or public record accounts. And, that XXXX is unacceptable for verification procedure. However, all I received was a copy of my credit report stating The company has reported the information has certified to Experian that the information is accurate or updated This is NOT acceptable. I have not received any information from anyone to verify these accounts. I am demanding immediate removal of these disputed items. Or, I will be acquiring an attorney to represent me in these violations of the FCRA.
Product: Credit reporting or other personal consumer reports

I received an inquiry from a bank I used to have an account with. They had received an application for a credit card in my name, including my social security number, and they wanted to verify it was from me. 

I said it was not, and thanked them for checking! 

They said I should let the CFPB know, and gave me a complaint number ro quote. That number is XXXX. 

I guess my SSN is now no longer secret. Can you please tell me how I can keep from being taken advantage of going forward Thanks so much, XXXX
Product: Credit reporting or other personal consumer reports

This letter serves as my final demand regarding the unresolved discrepancies, unverified, and inaccurate negative items on my credit report. Despite multiple attempts to rectify these issues, your failure to act is both unacceptable and intolerable.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of identity theft. Per FCRA section 605 you are required to BLOCK any account listed on an IDTheftReport # XXXX. Ive already included this report in a previous letter & I have included it again. This letter is to notify you if you do not block the listed account on my report I will be filing a lawsuit. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. This is your final warning. Please remove the following items listed on my fraud report. Please re-investigate this matter and correct the disputed item as soon as possible. XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, BK OF AMER XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute particular records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm contesting have nothing to do with any transactions I've done or approved in order to obtain products, services, or money. Please delete the following ITEMS. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.
Product: Credit card

I submitted a payment through the credit card website. The credit card already had all my checking account and routing information saved, since I have made payments in the past with no issue. I bank with a large national bank and I know none of my account information has changed. My payment due date was XXXX/XXXX/2015 and I made my payment on XXXX/XXXX/2015. If I did not religiously check my checking account and see the payment was not posted, I would not have known that there was a problem. I contacted my financial institution ( not the credit card company ) and they stated they did not receive any debit requests on my account. So I know it was not my bank, but the credit card company that was having the issue. I did not receive any communication or notification that there was a problem with the payment. So not only was I not notified that there was a problem with the payment, but the credit card company charged me a fee for a returned payment. This credit is a Macy 's Credit Card issued by Department Stores National Bank. I submitted XXXX inquiries through their " preferred '' communication channel. The XXXX inquiry was submitted four days ago and I have received a response. The XXXX inquiry was submitted 24 hours ago, again no response. I feel that this is a deceptive and abusive practice on the part of Department Stores National Bank ( Macys ). This is blatant attempt to increase fee revenue on a customer that pays their bill in full and on time. I could understand if I entered the information incorrectly ; however, this is not my first time making the payment through their website debiting my checking account. All previous payments posted without an issue. And the lack of any communication/notification means they are trying the hide the fact that they made an error and charged the customer a fee. Typically, people will only check their account when the statement is generated. By then, most individuals are accepting of the fees and do not realize that they were also charged interest on the unpaid balance. This is Department Stores National Bank 's greed coming into play.
Product: Credit reporting or other personal consumer reports

After doing some research I have found that Experian, XXXX, XXXX has illegally hosted information on my consumer report that has cause me much emotional distress. I am not liable for this debt with XXXX XXXX XXXX XXXX I do not have a contract with XXXX XXXX XXXX XXXX XXXX., the have not provided me with the original contract upon request. XXXX XXXX XXXX XXXX is not authorized or licensed to collect debts in the state of XXXX 

Experian, XXXX, XXXX has also illegally hosted information on my consumer report t that has cause me much emotional distress. I am not liable for this debt with XXXX XXXX XXXX I do not have a contract with XXXX XXXXXXXX XXXX they have not provided me with the original contract upon request. XXXX XXXX XXXX is not authorized or licensed to collect debts in the state of XXXX 

The use of my consumer report and personal information was misused without my consent, proper verification, and my consumer rights voided on behalf of Experian.
Product: Debt collection

The original creditor was XXXX ( this is to amend an earlier report that inaccurately listed the original creditor ). Due to financial hardship ( loss of jobs ) in approximately XXXX, I could not continue the payment on the account. It was sent to Morgan and Associates in XXXX  XXXX. I was repeatedly harrassed, the debt inflated quickly, but I eventually reached a settlement agreement with Morgan & Associates that I repeattedly told them was beyond what I could pay. They still insisted and set up an automatic bank withdrawal via post-dated checks. I called after every payment to indicate that I could not make the next payment. When the last payment was due, I did not have the funds and could not come up with the funds. I called to let them know, they drafted anyway, and it bounced. When I tried calling to set up some way to make the last payment, they told me I was out of luck and that I would be responsible for the entire debt before the settlement because I failed to make the payment. I didn't hear from them for quite a while until I became aware of a default judgment against me in XXXX. They had served the renter of our property, and I never received the summons. Earlier this year, I received a call indicating they would like to discuss the matter. With over a decade since the original conversations, I asked that they send me documentation in writing instead of an inflated value over the phone of an amount that is quite larger than the original debt and the judgment. I have yet to receive anything. It has been months. I would like this matter settled in a fair and accurate way as soon as possible.
Product: Credit reporting or other personal consumer reports

XX/XX/year> XXXX is reporting a Bankruptcy on my credit report and they have put in the Data furnisher as being the XXXX BANKRUPTCY XXXX XXXX XXXX XXXX XXXX XXXX Which is false. I have attached a letter from the XXXX BANKRUPTCY XXXX XXXX XXXX XXXX XXXX Verifying and stating that they do not furnish information over to the credit bereaus or any credit monitoring service nor do they verify or validate any information concerning bankruptcies. Equifax is falsely stating this information on my credit report and have yet to remove it from my credit report. 

I contacted the court, and their response is enclosed. ( See attached letter ) It is clear they do not report to any Credit Bureau for that matter ; therefore, their initial response verifying the item with the court was either an error or a lie. Either way, the reporting requirements do not comply with FCRA 611 ( 15 U.S.C. 1681I ), and the information must be deleted immediate Your prompt attention to this matter is requested in order to comply with federal law.
Product: Credit reporting, credit repair services, or other personal consumer reports

Penny Mac is continuously reporting DEROGATORY STATUS in regards to my loan UNDER FEDERAL LAW (CARES ACT RULES) I reqested a forbearance  COVID-19 (PRIOR to becoming deliquent ) PLEASE NOTE THERE RESPONSE IN PREVIOUS COMPLAINT A LYE !!! @ the time of first complaint NOT OFFERING ME THE FORBEARANCE THEN ALL OF A SUDDEN AFTER MY COMPLAINT THEY WERE FORCED TO COMPLY, ALSO THEY VIOLATE THE GRACE PERIOD @ no time was I delinquent when applying for COVID-19 therefore its illegal under Cares Act. THEREFORE THERE NOT REQUIRED TO MAINTAIN A DELINQUENT STATIS "there a lyer)  by federal law required to report as CURRENT, I spoke to there legal department numerous times and they agreed the report was wrong then last week he stated it was not wrong and I hung up in his face, there tactics and damaging my report has acquired much emotional harm as well higher interest rates that creates a hefty penalty/LAW SUIT there wrong reporting dropped my score XXXX  points QUITE DAMAGING please note I am a payee on the XXXX XXXX  law suit and PennyMac has adopted the same practices.
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 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 impossible and that tracking these transactions was infeasible. The CFPBs 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 card or prepaid card

On or about XX/XX/2022, I requested a credit limit Increase. I received the denied letter on XX/XX/2022 ; however, the denied reasons are unacceptable and possibly violate the unfair business practice. Reference to financial institution denied letter reasons ; reasons XXXX : Credit Line Recently Change on this account! ( I do not have a credit limit increase at all since the card opened ). Reasons number XXXX ; Unable to establish a XXXX XXXX. Both of the reasons are unacceptable. For the reasons mentioned above, I also have very strong established credit, with multiple a total of XXXX ( XXXX ) credit accounts. 
( MIX ). I believe the financial institutions did not proceed with my request ( discriminating ) based on application data! Moreover, the institutions violating the Federal Equal Credit Opportunity Act
Product: Credit reporting or other personal consumer reports

15 U.S. Code 1666b - Timing of payments ( a ) 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.

15 U.S. Code 1681a ( 2 ) i ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 U.S. Code 6802b ( 1 ) ( b ) - Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

I want my late payments to be updated and removed on my credit report across all 3 Bureaus. Here is the account below XXXX XXXX  Account number XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX and XXXX of 2021, I filed a dispute with, Equifax and XXXX credit bureau about the unverified account XXXX XXXX XXXX number XXXX. In those 2 months I have asked numerous times for a response. I have not received anything in response from this bureau in over 60 days. So now I'm contacting the CFPB to step in and help me get this issue resolved because I have not received a response from this company about this unverified account as of today. Thank you
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, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, 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
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/year> Consumer Financial Protection Bureau- cfpd Subject : Dispute of Credit Report Error Dear Sir/Madam , I am writing to dispute an error I found on my credit report formally. Please, address the following incorrect information. 

The information I am disputing is as follows : Account Name : Suntrust Bank Account Number : XXXX Description of Error : validate fair credit reporting act In accordance with the Fair Credit Reporting Act, the creditor has violated my rights under 15.USC.1681, section 602 - states I have the right to privacy. 

And, 15.USC1681a, section 2a, subsection I - states that transactions are not included in the Consumer Report. 

Also, 15.USCS.1666b- a creditor may not treat a payment on a account under an open or closed consumer plan as late for any purpose. 

This information is inaccurate and the continued reporting on my credit report validates my consumer rights. 
I kindly request that you investigate the matter and correct the error as soon as possible. 
I would appreciate written confirmation once this error has been corrected. 

Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX
Product: Debt collection

I do have account into Collection called LVNV Funding LLC Under Resurgent Capital Services. I owes XXXX XXXX XXXX  XXXX. Last year I signed the payment plan to save XXXX mean I will pay XXXX for 24 months on XXXX for installment. About 9 months later I has paid XXXX mean It is left is XXXX on balance. In XX/XX/2019, I called LVNV to see if it is XXXX to ready to pay full but this person at phone told me that balance is XXXX. I told it is mistake and I signed the agreed payment plan for XXXX on 24 months. They said no so I have evidence letter so I did send it to company but they are denied it. I decide to cancel that because they are not honest as their company. 

LVNV keeps sending me letter about this. It is not working out for that. 

On XXXX I got email from XXXX XXXX that LVNV has sold my account to XXXX XXXX XXXX. Now XXXX XXXX. I got a letter from LVNV that they sold it to Resurgent Capital Service. I don't know why I do have 2 account in different collection. That's why it is furious about communition because I am XXXX. so Now my account is in 2 different collection and I don't feel uncomfortable to have 2 different collection.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed the account XXXX XXXX  XXXX with Equifax , XXXX and XXXX and the incorrect information is still there. 
I do not know who XXXX XXXX is. 
I have never signed an agreement with XXXX XXXX. 
They should NOT be on my credit profile. 

I disputed the account XXXX XXXX  XXXX ( {$220.00} ) with Equifax , XXXX  and XXXX  and the incorrect information is still there. 
I do not know who XXXX XXXX is. 
I have never signed an agreement with XXXX XXXX. 
They should NOT be on my credit profile. 

I disputed the account XXXX XXXX  XXXX ( {$150.00} ) with Equifax , XXXX and XXXX and the incorrect information is still there. 
I do not know who XXXX XXXX is. 
I have never signed an agreement with XXXX XXXX. 
They should NOT be on my credit profile. 

I disputed the account XXXX XXXX  XXXX ( {$250.00} ) with Equifax , XXXX and XXXX and the incorrect information is still there. 
I do not know who XXXX XXXX is. 
I have never signed an agreement with XXXX XXXX. 
They should NOT be on my credit profile. 

I disputed the account XXXX XXXX  XXXX ( {$910.00} ) with Equifax , XXXX and XXXX  and the incorrect information is still there. 
I do not know who XXXX XXXX  is. 
I have never signed an agreement with XXXX XXXX. 
They should NOT be on my credit profile. 

I disputed the account XXXX XXXX  XXXX ( {$720.00} ) with Equifax , XXXX and XXXX and the incorrect information is still there. 
I do not know who XXXX XXXX  is. 
I have never signed an agreement with XXXX XXXX. 
They should NOT be on my credit profile. 

I disputed the account XXXX XXXX XXXX XXXX with Equifax , XXXX and XXXX and the incorrect information is still there. 
I do not know who XXXX XXXX XXXX is. 
I have never signed an agreement with XXXX XXXX XXXX. 
They should NOT be on my credit profile. 

I disputed the account XXXX XXXX XXXXXXXX and the incorrect information is still there. 
This account was Never Late, NOT CHARGED OFF AND DOES NOT HAVE A BALANCE. However Equifax, XXXX and XXXX have it marked as late, charged off with a blance. 

I disputed the account XXXX  with Equifax, XXXX and XXXX and the incorrect information is still there. 
This account was Never Late and never charged off however Equifax, XXXXn and XXXX have it marked as late and charged off. 

I disputed the account XXXX XXXX  XXXX and the incorrect information is still there. 
This account was Never Late, and NOT CHARGED. However Equifax, XXXX and XXXX have it marked as late and charged off. 

I sent disputes about the above accounts on the following dates : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX The errors still exist