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

On XX/XX/year> I sent company letter requesting certain certified documents related to alleged account to be mailed and this information was requested in good faith pursuant rule 1002 and it was never provided. I also called regarding alleged account to be investigated while speaking with representative I express my rights to opt out of all authorizations per the fair reporting credit act as a federal protected consumer which i am and that I may have given to you in writing, unwritten, verbal or non-verbal for sharing my nonpublic information to third parties to opt out. Sec. 15 U.S.C 6802 - Obligations with respect to disclosures of non-personal information. It is ILLEGAL for creditors to report late payments 15 U.S CODE 1681. LOBEL FINANCE never sent certified documents along with the disclosures from section 1637 ( b ). This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

My account with 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 on 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 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. 
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 was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Update the late payments from my consumer reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

Some time back ( years ago ) my wife and I froze our credit reports. We are in the process moving to an apartment in Massachusetts and need to temporarily unfreeze the accounts. 

I tried to do this today -- XX/XX/2020. 

XXXX  was easy. They have a user friendly website and I was able to unfreeze both accounts. 

On the other hand, both Experian and XXXX  have very unfriendly websites and useless phone numbers that walk you down deadends and then hang up on you. XXXX  uses XXXX people who are very difficult to understand. 

I can not unfreeze the two accounts and am very frustrated. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX ( XXXX ) XXXX
Product: Credit reporting

2 weeks ago I called Experian to discuss the fact that there were multiple inquiries on my credit report that was previously deleted. I had no knowledge nor did I authorize these inquiries. The operator that I spoke to ( XXXX ) walked me through each one and informed me that he was deleting them while we were talking. I assumed based on what he said that in fact this was taking place. I checked my report today and those inquiries have not been removed. They are still reflected on my report.
Product: Credit card

The contrast between my consistent on-time payments for this account and the distress caused by the inaccurate late payment entry is XXXX. Maintaining punctuality has been my unwavering commitment, and this inconsistency is weighing heavily on my XXXX XXXX, disrupting my XXXX and XXXX XXXX XXXX  With utmost respect, I urgently request the immediate correction of my account, stressing the urgency of this matter.
Product: Checking or savings account

I tried logging in, on the mobile app .The bank says unexpected error.i didn't think much about it XXXX job at the time was helping people to get money from XXXXi thought I was helping a man who was XXXX XXXX XXXX who did not read or write.he asked me to help him with his unemployment .I filled out application, and I certified for weeks he was unemployed .I called the bank with my friend .we talked to a lady who barely spoke XXXX, I tried translating, together with a bank translator.iexplaining that there were unauthorized charges on his account. .the bank agent froze his account and told us to go to bank with XXXX forms of id.my friend has never had an id .and in order for him to get an id he needed a birth certificate .that he didn't have .it took him a while to get his birth certificate .finally when he had it we went to the bank .they told us he doesn't have an account, I tried logging in to his online banking.i got the same message. 
I have other friends who are illiterate .I tried doing the same for them .it seems that I wasn't the only person having an issue with online banking .we aren't the sharpest knives in the drawer.
Product: Mortgage

Quicken Loans arbitrarily and with absolutely no notice on XXXX XXXX, 2016. At that time Quicken 's representative, XXXX XXXX XXXX, informed me via voicemail that my preapproved loan was being withdrawn with notice. XXXX XXXX stated that new TRID guidelines were forcing Quicken to withdraw all preapprovals and force borrowers to go through another round of the very painful process on re-applying. Why did they not do that back in XXXX? 

Given the insane profitability of their industry the most reasonable explanation is that they want to generate another round of fees. 

Quicken has damaged my credit score. I am now forced to apply elsewhere, with the resultant loss of credit score points because of the inquiries. The result is potential financial damages due to higher interest rates. 

Quicken has also put my corporate relocation benefits in jeopardy. QL is who XXXX relocation services referred me to. I am working under a deadline ... QL has forced me to start from the very beginning.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX has placed an hard inquiry on my Equifax credit file. This allegedly happened on XX/XX/2020 without my consent. I contacted a manager in credit review department and I provided my social security number and reference number. The manager could not found my personal information nor the previous alledged credit card application details in their database. Since I didn't authorize to receive or apply for credit with XXXX XXXX XXXX XXXX. I am requesting them to contact Equifax and remove this inquiry from my credit report immediately. Equifax has blocked me from having access to dispute this hard inquiry. I've attached two exhibits showing that both XXXX XXXX XXXX XXXX and Equifax are violating my consumer rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

Visited car dealership with pre approved financing from my bank. Dealership had me fill out form to only verify my personal details. I specifically stated I did not give consent to have my credit pulled from dealership as I already had financing through my bank. They pulled my credit. I confronted financing employee and he said its standard procedure. Salesman confirmed again that I did not give consent. I have documentation showing dealership was provided financing information from my bank. Both employees acknowledged I did not consent. I called XXXX, my bank, and they also confirmed dealership should not have pulled my credit since I had provided proof of financing.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit Bureaus are aware that there has been unauthorized activity using my credit profile. I have issued fraud alerts with all 3 Bureaus to ensure that proper verification is used when applying for credit. I have disputed these inquiries with the Credit Bureaus and the creditor grantors. XXXX sent back written response explaining that all inquiries are a matter of fact and will remain to affect my credit report for 2 years ( see attachment 's ). I have submitted a complaint with the Federal Trade commission Claim number XXXX ( see attachment ). These inquiries are unauthorized without permissible purpose I want these hard inquiries removed from my consumer profile immediately. 

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 XXXX TRANSUNION 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 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 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 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: Consumer Loan

On XXXX XXXX, 2015, I was overcharged for a vehicle that I purchased from XXXX in XXXX, IL. The retail order invoice from the dealer indicates that the dealer charged me {$20000.00} as the base price of the car ( before additional services were added ). This contradicts ( a ) the price of {$18000.00} that appeared on the sticker of the car at the time of purchase, ( b ) the price of {$18000.00} which the dealer verbally described to me, and ( c ) the {$18000.00} MSRP of the exact vehicle as previously listed on a website linked to the dealer. Documentation is submitted with this complaint in the form of a cache of a web page linked to the dealer where the exact VIN of the vehicle in question has an MSRP listed at {$18000.00}. 

I received a loan for this purchase through Bank of the West. 

There may be additional problems with the sale. On the retail order invoice, the dealer claims to have given me {$890.00} in rebates ; however, on the invoice itself, these rebates do not appear to have been actually factored in. The dealer told me recently that a " military discount '' that I was promised would now be revoked since I refinanced the vehicle through a different lender ( XXXX XXXX ). 

Additionally, the dealer added services on the vehicle which I do not remember requesting. In question is a charge of {$2100.00} appears on the invoice for a service called " XXXX '' Additionally, I do not recall agreeing to " XXXX XXXX '' for {$390.00}. 

The dealer is refusing to reimburse me for any of the disputed charges. In fact, when I made a visit to the dealer in early XXXX 2015 to express my concerns, the lead sales representative there told me " This is how we do business in America, '' in obvious reference to my accent ; I am a native of XXXX. I was also contacted by a sales representative who apologized about the mistaken price of the car but did not offer to reimburse me. 

I visited with a XXXX legal assistance office on XXXX XXXX. The XXXX legal assistance office contacted the dealer twice in an attempt to resolve the issue. On both occasions, the dealer sounded defensive. The dealer has promised that a " corporate lawyer '' or " XXXX '' would contact office of XXXX legal assistance. To date, neither the XXXX or any lawyers have contacted XXXX legal assistance.
Product: Credit card or prepaid card

During the Covid pandemic I was late on a payment when my unemployment benefits ran out after being on them for 6 months. I was a period without benefits because I had exhausted my Connecticut benefits which was the state I was living in at the time. Due to me having moved to Connecticut recently I was not eligible for extended benefits and was told I had to file in my previous state of residence which was Arizona. That took time and I went without any benefits for 3-4 weeks. I was 30 days late on 1 payment because of this and I am asking that Comenity bank please remove this from my credit report. All other payments were made on time and as soon as I started receiving unemployment benefits. I am in the middle of having a house built and this one of the two bad things really holding my score down. My payment history is 100 % ( not sure how because of this late payment but it shows 100 % for XXXX and XXXX. So again I am asking that Comenity bank in goodwill due to the pandemic please remove this late payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 

XXXX XXXX Balance Owed : {$2000.00} ; XXXX XXXX Balance Owed : {$4100.00} ; XXXX XXXX XXXX Balance Owed : {$4200.00} ; XXXX XXXX XXXX Balance Owed XXXX {$12000.00} ; XXXX XXXX XXXX Balance Owed : {$2700.00} ; XXXX XXXX Balance Owed : {$2700.00} XXXX
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXXXXXX 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

LexisNexis has been notified of mailing address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, Florida XXXX COMPLAINT Violation : The three credit bureaus within the past 30 days has stated LexisNexis has provided my information that is under a security freeze in violation of Florida 501.005. 

The 2018 Florida Statutes Title XXXIII REGULATION OF TRADE, COMMERCE, INVESTMENTS, AND SOLICITATIONS Chapter 501 CONSUMER PROTECTION View Entire Chapter 501.005Consumer report security freeze. 
( 1 ) For purposes of this section, a security freeze means a notice placed in a consumer report that prohibits a consumer reporting agency, as defined in 15 U.S.C. s. 1681a ( f ), from releasing the consumer report, credit score, or any information contained within the consumer report to a third party without the express authorization of the consumer. This section does not prevent a consumer reporting agency from advising a third party that a security freeze is in effect with respect to the consumer report. For purposes of this part, the term consumer report has the same meaning set forth in 15 U.S.C. s. 1681a ( d ). 
( 2 ) A consumer may place a security freeze on his or her consumer report by : ( a ) Making a request in writing by certified mail to a consumer reporting agency. 
( b ) Including information that properly identifies the consumer. 
( 3 ) A consumer reporting agency shall place a security freeze on a consumer report no later than 5 business days after receiving a request from the consumer. 
( 4 ) The consumer reporting agency shall send a written confirmation of the security freeze to the consumer within 10 business days after instituting the security freeze and shall provide the consumer with a unique personal identification number or password to be used by the consumer when providing authorization for the removal of a security freeze on his or her consumer report pursuant to subsection ( 5 ) or subsection ( 11 ).
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX XXXX Date opened XX/XX/XXXX Account number XXXX XXXX XXXX Date opened XX/XX/XXXX Account number XXXX XXXX XXXX  XXXX opened XXXX XXXX, XXXX Account number XXXX XXXX XXXX Date opened XX/XX/XXXX Account number XXXX Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter. 
Please send me notification of the actions taken. I greatly appreciate your prompt expedited action to this matter. 

Sincerely, XXXX XXXX
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 Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and the trafficking these transactions was unfeasible. The CFPB 's 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: Debt collection

On XX/XX/XXXX, I received my credit report and to my surprise, I had AD ASTRA RECOVERY SERVICES listed attempting to collect a debt. On XX/XX/XXXX, I sent a certified letter to AD ASTRA RECOVERY SERVICES requesting the company prove I am the party who is by contract obligated to pay off this debt, which I have the right per 15 USC 1692g Sec. 809 ( b ) of the FDCPA. AD ASTRA RECOVERY SERVICES did not validate the debt but indeed only sent a bill. If this account continues to report inaccurate and invalidates information to the three credit bureaus ( XXXX, XXXX, and XXXX ) this action might constitute fraud under both federal and state laws. My attorney and your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX. ) My name legally is XXXX XXXX XXXX XXXX Not XXXX XXXX XXXX or XXXX XXXX XXXX. ) I have XXXX address Post Office Box XXXX XXXX  XXXX, Va XXXX Remove all others XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX, Va XXXX XXXX. ) My employment is blank. It should be XXXX XXXXXXXX XXXX XXXX XXXXXXXX
Product: Mortgage

I took my home mortgage through XXXX XXXX and eventually the home loan was sold to Wells Fargo. During my interaction with XXXX XXXX, I was told that my PMI will be removed if my home value is equal to or below 78 %. Currently my LTV is less than 78 % of my City 's appraised value. 

When I spoke to Wells Fargo, I was given 4 options and the most likely option that will enable the PMI to be removed says my LTV has to be 75 % which is misleading and unfair and not in accordance with terms I was told during the loan process.
Product: Debt collection

I have accounts reporting on my report that do not belong to me. I have tried to get them to remove it but they will not.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX   XXXX ,    2017,  went online to try to get the annual free credit report from TransUnion, because we became aware that a different credit report company had incorrect info on our report.   The online service for TransUnion would not allow a free report. It said " We cant determine if this is really you '' It said that for both my husband AND  I. Said  they did n't have enough info to give questions to determine our identity. If they do n't have enough info to determine who we are, HOW and WHY are they giving out info about us to OTHER people?   BUT if we would agree to PAY online, then it would let us have the report. The one that is supposed to be free.   When I called transunion, the man said they had already sent a report to some address that was not even our address. When I became angry and asked exactly who and where this was sent, he recanted his story and said that no report had been sent. When I said, but you just said it  WAS  sent, then he recanted again and said it had been sent to our correct address 5 days earlier, but he would send it again.   I finally received it much later. I received the report for my husband, but not for me.   Basically, they are refusing to provide the free reports that they are required to provide for free, and making people pay to get it.   They also began sending a lot of transunion spam to my email after I had tried to get the report online. Trying, again, to get me to pay. When I called again, they said that they can not stop the transunion emails, that is a DIFFERENT phone number that I need to call REALLY?? I asked for an email address to stop the email spam. They said they do n't have an email address, I have to call and wait on hold for hours.  REALLY AGAIN??  Of course the emails are do not reply emails that I can not simply reply to.   I also started getting a lot of solicitors on my phone right after this. I travel internationally, and these phone calls wake me in the middle of the night and cost me a lot of international call fees.   Transunion presents itself as a company that is there to help to people, but it is a scam in itself. When I did get a rep on the phone, it is obvious from the accent that this is being outsourced outside the US. Seriously? Asking me for my social security number and all personal information over the phone to someone someplace in  XXXX ? Does that sound like a good plan to help " protect '' peoples identity??   They want people to be compromised, so they will sign up for their credit monitoring. It is all a scam and someone seriously needs to stop these people.
Product: Credit card or prepaid card

My account is blocked and I asked to close the account, they refused to close the account, asking me to send information to them ... I dont want to send them anything, I just want to close the account
Product: Checking or savings account

Apparently an account was opened XXXX of 2024 and I just got knowledge of it today XX/XX/2024... I talked to a XXXX XXXX XXXX today and she said she was closing the fraudulent account