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

I called XXXX about inquires and they said i could not dispute them unless they were fraud and i had A police report. However a car dealership ran my report more then once numerous of time after telling me they did not.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to the 3 Credit Bureaus was XX/XX/2022 but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to correct immediately : XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Fifth third called me without leaving a message. When I called back to verify my account the rep told me I had to make a payment before they could waive any fees for late etc. I called just a few days ago and spoke to a rep who waived the XXXX dollar fee and the previous rep I spoke with regarding my credit card told me that if I made the XXXX payment on XX/XX/XXXX no further late fees would be assessed to the account now they are telling me some different BS saying I need to make a payment before then. They should review the last three phone calls and coach their representatives accordingly because it seems like misrepresentation of marketing or fees which to me appears to be bank fraud to coerce me into making payments that I was told I could wait on.
Product: Credit reporting, credit repair services, or other personal consumer reports

Under 15 U.S. Code 1681b Permissible purposes of consumer reports ( a ) in GENERAL Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
I, XXXX XXXX never gave EQUIFAX any written consent to report anything on my consumer report, No consent is identity Theft. 
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Product: Credit reporting or other personal consumer reports

I am submitting this complaint to request the deletion of a specific account from my credit report with TransUnion Consumer Solutions. due to inaccurate and inconsistent information, based on my rights under the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
Details of the Account in Dispute : Account Number : XXXX, XXXX, XXXX, XXXX, XXXX Creditor Name : XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX Incorrect information identified in reports from all three credit bureaus. 
Legal Grounds for Information Deletion : Right to Accurate Information ( FCRA, Section 609 - 15 U.S.C. 1681g ) : I request that the authenticity of this account be manually verified with the original creditor, rather than relying on the automated e-OSCAR system, and that I receive a detailed explanation of the verification process.

Reinvestigation of Disputed Information ( FCRA, Section 611 - 15 U.S.C. 1681i ) : Under this section, I demand a full reinvestigation of the account and immediate correction of any inaccurate information.

Deletion of Inaccurate or Unverified Information ( FCRA, Section 611 ( 5 ) - 15 U.S.C. 1681i ( 5 ) ) : In accordance with the FCRA, if the information can not be verified, it must be removed from the report.

Responsibility of Information Furnishers ( FCRA, Section 623 ( a ) ( 1 ) ( A ) - 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ) : The creditors inability to validate this information warrants its removal.

Compliance with Accuracy Procedures ( FCRA, Section 607 - 15 U.S.C. 1681e ( b ) ) : The inaccuracy in my report suggests a failure to adhere to required accuracy procedures.

Permissible Purposes for Access ( FCRA, Section 604 - 15 U.S.C. 1681b ) : I request confirmation that access to my report was legitimate. If it was not, I request the removal of any unauthorized data.

Truth in Lending Act ( TILA, Section 1601 - 15 U.S.C. 1601 ) : TILA reinforces my right to accurate information, and the presence of this inaccurate account contradicts that right.

Supporting Case Law : In Cortez v. Trans Union, LLC ( 617 F.3d 688 ), the responsibility of credit bureaus to adequately investigate consumer disputes is emphasized. Dennis v. BEH-1, LLC further reinforces the obligation to maintain reasonable procedures to ensure accuracy.
Product: Checking or savings account

The bank continues to see my claim as non fraud.

Executive contacted me last week stating that they the claim will remain denied because they couldn't recover the funds. 

I tried to explain to XXXX the lady that was taking care of the complaint that my claim was a fraud claim that no matter how many time i have talked to wells fargo reps they kept denying and keeping my claim as non fraud she refused to listen stating there is nothing she can do. I request the documents again. 


My claim started as Someone called me from a wells fargo number confirming transactions from my account ask. Then they proceed to tell me that someone in texas was using my account and that they needed to file a claim and close my account to verified me and proceed there were going to send a number i needed to verified. ( During this conversation i had no access to my online banking so i logged in with my husband online and saw the transactiona they were talking to me about i freak out ) They proceeded to send a text message XXXX XXXX XXXX XXXX XXXX  i verified the number thats when the {$11.00}, XXXX disappear. 
I called WF and the first rep said if you made the wire transfer we stop it otherwise we have to file a claim and wait fornthe investigation. 
I said they created the payee ( mind you i was still locked out of my account ) he said i filed a claim and we will start the process to recoup funds. 10 days went by and nothing i called back and all the rep stated on the notes was " I APPROVED THE TRANSACTION AND WE COULDN'T STOP IT CLAIM DENIED '' and since XXXX i been trying to explain to WF that someone took over my Online Banking and made that transfer but because i confirmed the " number '' they said i approved it. I have tried to send all the text messages to them so they can see they came from a wells fargo number how was i supposed to know and that they locked me out of my account, but unfortunately no one wants to listen. I was trying to take this to legal and file a civil complaint since i have proof my lawyer said that in order for me to do so I need all documents used to determine the decision. But since my claim keeps been investigated as Non - fraud they Don't have to provide documents, if they can only take their time time and listen to what happen and really investigate they will see that i DID NOT MAKE THE TRANSACTION OR APPROVED IT. IT WAS ALL A SCAM.
Product: Debt collection

I paid a medical bill on XX/XX/2019, but have been contacted at least 3 times by Receivables Management Partners , LLC attempting to collect payment. I have informed them that it was paid, but their response was to mail me a photocopy of the bill.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received a copy of my credit report and found that you are illegally reporting inaccurate, noncompliant, and false information about me. The following alleged account is listed as a collection with a PAST DUE BALANCE of {$480.00}. As well as several other inconsistencies, such as OPEN DATE of XX/XX/XXXX with a LAST PAYMENT DATE of XX/XX/XXXX. This can not be correct in any way, since this would mean the account was paid on before it opened.
Product: Mortgage

Started Assumption process in XXXX delays delays delay then transferred service another co and had to start over. Did that in XXXX. Submitted all documents again mid XXXX. They say they never got them. Sent again and still no contact. Customer service says they cant talk to that dept nor can I. Only email and no one replies to email. This has been going on over 6 months now. Ridiculous
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I submitted a CFPB complaint against Experian ( XXXX ) and the agency 's response does not address the issue. On XX/XX/XXXX, Experian communicated to the CFPB they were " still working on the issue '', while the agency corresponded to me by mail on XX/XX/XXXX suggesting " accurate information could not be removed '' ( see attached ), Why was this correspondence not provided to the CFPB? On XX/XX/XXXX, Experian responded to the CFPB complaint suggesting the public record in question was verified by a third-party vendor, but NONE OF THE CORRESPONDENCE FROM EXPERIAN TO DATE ADDRESSES THEIR UNLAWFUL ACTIONS IN THE COMPLAINT. 

I am submitting FACTUAL, RELEVANT information to support their continued INACCURATE and UNLAWFULreporting of a public record on my consumer profile. The continued lack of acknowledgment and the correction or deletion of this record is a direct violation of the Fair Credit Reporting Act Section 611 ( a ) ( 5 ) ( a ) ( i ). Specifically, which court provided Experian 's public record vendor the verified results, was it U.S. BANKRUPTCY - CENTRAL DISTRICT or Us bkpt ct ca XXXX XXXX? They are BOTH listed as the source of alleged verified public  record on Experian 's reporting platform as of XX/XX/XXXX ; several months after the alleged investigation ( see attached ). 

Additionally, Experian has a fiduciary obligation to not only verify disputed information with the original source but to go beyond the original source when reinvestigating credit report inaccuracies ; not a third party vendor. This precedent was established in XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that this item is being reported correctly? Who verified this account? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Experian is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I called XXXX XXXX the Third Party Collections contracted by XXXX to handle my account. 

I have arrange a payment plan to pay off the balance. 
I have been paying on time every month. 

The balance is not correct on my credit report. I have attached the correct balance for your reference.
Product: Credit card

I sent PNC Bank a debt validation letter on XX/XX/2016 to see about the debt that 's reporting to all XXXX credit bureaus. Company responds via letter dated XX/XX/2016 through the mailing stating that everything that they 're reporting to the credit bureaus are accurate, however received another letter XXXX days later dated XX/XX/2016 stating that they were unable to send validation due to not having enough information from me. I 'm going to include the correspondence that between the lender and myself. In the request for validation letter I submitted everything to them.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting an inaccurate charged off account on my credit reports. I have been disputing this account with the credit bureaus for some time now. This account is reporting multiple inconsistencies between each bureau. This account has different open, last active and payment dates. How are all three bureaus reporting different things if they are all getting their information validated from the same place? Surely they are not conducting a proper investigation into this account otherwise this account would not reporting very inconsistently. It is the consumer reporting agencies responsibility to report accurate information and they have failed me. I am requesting that this account is deleted from my reports now!
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 times and reporting discrepancies, my financial institution and and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect customers 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 or other personal consumer reports

My account with ( XXXX XXXXXXXX, 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 ( MONTHS REPORTING LATE ) 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. 


( CAPITAL 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: Payday loan, title loan, personal loan, or advance loan

I made a purchase with affirm to purchase a product from XXXX. I was charge the full amount for the product at the store by using my credit card. I contacted Affirm to credit the amount back due to me paying at the store. I was told to continue making payments to prevent late payments until the funds are returned back to affirm from XXXX. This continued for 6 months. The loan was paid but I never received my funds back.
Product: Debt collection

Portfolio recovery associates XX/XX/XXXX {$2800.00} XX/XX/XXXX {$1500.00} XXXX XXXX. {$770.00} In accordance with the fair credit reporting act, this creditor has violating my rights under 15 USC 1681 section 202 states that I have the right to privacy.

15 USC 1681 section 6048 section to it also states that consumer reporting agencies can not furnish an account without my written instructions.

Under 15 USC 1666b, a creditor may not treat a payment on a credit under an open consumer credit plans as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am appalled by the ability of the Credit Reporting Agencies to keep ignoring a consumer 's request for the correction of the disputed accounts on my Credit Report. Under the FCRA section 609 and 611, the Credit Bureaus are required to verify the information and status of the account being reported on my Credit Report. But in my case, Experian has kept reporting the disputed accounts claiming that the information they present is accurate, in which I greatly disagree. I am submitting this complaint to you today to request that Experian provide me copies of documents bearing my signature to verify the status of the disputed account. If the Credit Bureaus failed to comply with the condition and continuer the reporting of the disputed accounts, please understand I will seek legal action. I need the accounts corrected as soon possible XXXX XXXX XXXXXXXX Date XXXX Balance : $ XXXX Late Date XXXX, XXXX XXXX XXXXXXXX Open Date XX/XX/XXXX Balance : $ XXXX Late Dates XXXXXXXX XXXX XXXX  XXXX XXXX Open Date XX/XX/XXXX Balance : $ XXXX Late Date XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Equifax system is still stating on XXXX that I have XXXX XXXX active when all my XXXX XXXX  have been paid in full since XXXXXXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX provided me all paid in full letters ( see attached ). XXXX even confirmed that they notified all 3 reporting agencies of this change on XXXX and This information was updated immediately by ( XXXX and XXXX ) those agencies reflect a {$0.00} balance as they should. I have so far submitted three disputes to Equifax with all paid in full letters attached : 1 ) Equifax dispute number : XXXX XXXX Closed dispute but no-action taken on the accounts. 
2 ) Equifax dispute number : XXXX ( Pending to address incorrect {$1000.00} balance ) 3 ) Equifax dispute number : XXXX ( Pending to address incorrect {$1400.00} balance ) Despite providing the information the agency has not updated the incorrect information. Their system shows I have two remaining loans from " DEPT OF ED '' when the actual loan servicer was XXXX which is evident by other paid off loans closed by them. I have attached all supporting documentation to this Complaint. These were the last two loans to be paid in full so it is unclear why they refuse to update the information as we are approaching 60 days since the update from XXXX XXXX XXXX
Product: Debt collection

I paid the bill in XXXX 2015. I spoke to XXXX XXXX that told me that I needed to dispute it first so that you guys will send something to them and then they can take this off my credit. This is just ridiculous that I have to take all these steps to get it removed. I 've attached my receipts that XXXX XXXX sent to my email. The bill is paid in full.
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously send in a dispute that went ignored. This time I have tracking, and will submit complaint through the CFBP. 
Please remove this information from credit report. Please block any further attempt of these accounts being reported in the further or sold an being reported from another collection agency. Please remove this information within the time frame stated by law. Thanks in advance for you help and understanding. Please send me a copy of my report to the address on file. I will attached documents to support my claims.
Product: Credit reporting or other personal consumer reports

In XX/XX/year>, there was an unforeseen occurrence regarding a missed payment with XXXX XXXX XXXX. Despite maintaining a flawless payment history up until that point, an inadvertent oversight led to the failure to meet the payment obligation. This deviation from the established pattern occurred due to a mistaken assumption that an auto-draft arrangement was in place to ensure timely payments. 

This isolated incident has had a regrettable consequence on my credit score, impeding my ability to proceed with a significant financial undertaking, namely the purchase of a home. Understanding the gravity of this situation, I am actively seeking assistance in rectifying this matter and restoring my credit integrity. 

I kindly request guidance and support in navigating the process of removing this adverse mark from my credit report. Any assistance provided in this matter would be sincerely appreciated, as it would significantly alleviate the repercussions of this unfortunate occurrence and enable me to proceed with my financial goals with confidence.
Product: Vehicle loan or lease

Dear Sir/Madam, I am writing to dispute the repossession and sale of my XXXX XXXX XXXX XXXX. I never received any notice that the vehicle was going to be sold, which is a violation of my rights as a borrower. 

According to the Uniform Commercial Code, a creditor must provide a borrower with notice of the sale of a repossessed vehicle. The notice must include the date, time, and place of the sale, as well as a description of the vehicle and the amount of the sale proceeds. However, I did not receive any notice of the sale of my vehicle. 

Because I did not receive notice of the sale, I was unable to attend the sale or bid on the vehicle. As a result, I was not able to protect my interests in the vehicle. 

Below I attached a screenshot of a letter that was uploaded to the documents portion of my online account. Only the notice of intent to sale was uploaded and sent. I was not made aware of the actual sale date, time and location.