23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

On XX/XX/24 I placed a takeout food order with XXXX XXXX for {$10.00}. 

I waited at the store for 20 minutes and never got my food. I am XXXX and cant stand for long periods of time. I left. 

I called the store and asked for the manager. He wasnt there. I looked them up online and they had no email address. So I disputed the charge. 

I was told that I needed to contact the merchant and get a written statement that they wouldnt issue a refund. Thats not his Regulation E works. The bank needs to follow the law.
Product: Credit reporting or other personal consumer reports

My account with EXPERIAN 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.

EXPERIAN 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: Checking or savings account

I have been a Wells Fargo customer for more than 35 years. 
Since XX/XX/2021 Wells fargo start refusi ng to follow the laws and regulation concerning my privacy. 
in the last 30+ years Wells Fargo were directing the my mail concerning my account to my po box address as indicated on my account preferences. 
But in the last XXXX  years Wells Fargo has been ignoring my preferences and thjery have been using my street address to mail me. 
Wells fargo is been ignoring my privacy rights and they have been ignoring all my preferences and they have been ignoring my 50+ complaints that I have filed in the last XXXX  years regarding this same issue. 
Wells fargo is been ignoring this issue even in their responses to my complaint at the CONSUMER FINANCIAL PROTECTION BUREAU and at the OFFICE OF COMPTROLLER OF CURRENCY.

They just do not want to hear about it and that for sure is going to cost Wells Fargo some fines for not following the rules and regulations. 
I did files complaints here in the past but that did not stop Wells Fargo from keep Braking my privacy rights and they keep sending me letters to my street address in contrary of what my preferences on my account are. Wells Fargo is still refusing to Use my Mailing address po box .

Today I received a new Letter to my street address from Wells Fargo So here I am filing a new complaint and I am adding this new letter as a new evidence on my new complaint.
Product: Credit reporting

I did not make all these inquires a old worker of mine that has been fired was suspected of getting my ss # and trying to apply for credit all over please remove all this ridiculous inquires asap thank u
Product: Checking or savings account

Dear Sir/Madam ( ref previous id # XXXX ) I thank you for following up the problem with opening an account with HSBC bank and to let me know their respond. It is not yet clear which of the following items or anything else made the bank unable to open an account for me and my wife. Has there been any problem with my : a.USA legal permanent resident ID card b.XXXX XXXX XXXX ID driving licence c.USA social security ID card d. Our age e. Our income level f. Our retirement g. The forms which we filled with teller help and signed h. The oral conversation and answers we provided or any other information, would the bank please make it clear what made them unable to open account for us
Product: Checking or savings account

I have been recording all my transactions going in and out of Bank of America for years. As Ive noticed regardless of payment retrieval wether atm ach or wire transfer. Regardless of the transaction within time to receive on time IT NEVER DOES. Bank of America list of transactions literally has XXXX  transfers from my own account ( before you say its fake ) and its completely not in my deposit list. I have over XXXX  sitting in my account daily, and every other day deposits go missing for days than return. This causes fake bank reporting and is ruining my business as well as my personal life. On numerous occasions I couldnt eat because of this. I plan on going to the news with this because Ive giving BOA 7 years to get it right.
Product: Credit reporting or other personal consumer reports

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and North Carolina Laws Dear CREDIT ACCEPTANCE CORP, I am writing to address the unauthorized reporting of information to my credit report, which violates the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), as well as North Carolina state laws concerning identity theft and fraud.

It has come to my attention that CREDIT ACCEPTANCE CORP has engaged in unauthorized reporting to my credit report without my explicit consent. Federal law, as outlined in the FCRA, mandates that consumer consent is required for such reporting activities under Section 1681b ( a ) ( 2 ).

Additionally, North Carolina law provides strong protections against identity theft and unauthorized use of personal information. Under the North Carolina Identity Theft Protection Act, businesses are required to obtain explicit consent before accessing or reporting a consumer 's personal information. Unauthorized reporting is a serious violation and is subject to legal consequences. 

I assert that I have not provided consent for CREDIT ACCEPTANCE CORP to report any information to my credit report. This lack of explicit permission constitutes a clear violation of my rights and federal and state laws, resulting in potential damage to my creditworthiness. 

I demand that CREDIT ACCEPTANCE CORP immediately ceases any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and the relevant provisions of North Carolina state law. Failure to comply within the stipulated 30-day timeframe will be considered willful noncompliance and subject to penalties under applicable laws, including those pertaining to identity theft and fraud. 

I emphasize that obtaining consent is a legal obligation under these specific sections of the FCRA and North Carolina law. This is a demand for compliance with both federal and state regulations to protect consumers like myself from unauthorized and damaging credit reporting. 

I expect immediate attention to this matter and prompt rectification of these violations, respecting my rights under federal and state laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX i notice s0me unauthorized inquires on my Transunion Credit report i called Transunion and talked to a Agent and disputed these Inquires but it came back verified, these are are fraud inquires did not do them 4inquiries These lenders have accessed your credit file : XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX  XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX  XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX  XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XXXX XXXX, XXXX Removal date XX/XX/XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX  XXXX  Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX  XXXX  Inquiry date XX/XX/XXXX XXXX date XXXX XXXX XXXX  XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX 1public record
Product: Credit reporting, credit repair services, or other personal consumer reports

This account does not belong to me and is fraud. I have included the identity theft report. You can also see this account was also removed from my XXXX and XXXX report as it was removed. Please delete it. 

Account name : XXXX XXXX XXXX Account number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

CHEXSYSTEMS, INC CONSUMER RELATIONS DEPT XXXX XXXX XXXX, XXXX XXXX XXXX, MN XXXX I HAVE CONTACTED CHEXSYSTEMS ABOUT 5 DIFFERENT TIMES TO DISPUTE INACCUARTE / INCORRECT AND UNVERIFIABLE INFORMATION ON MY CREDIT REPORT BUT THEY ARE REFUSING TO UPDATE AND CORRECT MY FINDINGS. THEREFORE, MY NAME, ADDRESS, AND SEVERAL OTHER THINGS ON MY CREDIT REPORT ARE WRONG AND I AM NOT EVEN ALLOWED TO GET A LOAN WITH XXXX XXXX BECAUSE OF THE INACCURIES. I SENT THEM DOCUMENTATION PROVING MY FACTS AND THEY HAVE STILL DENIED MY REQUEST AND REFUSE TO CORRECT MY INFORATION.
Product: Debt collection

located at : Knight Adjustment Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX or XXXX Fax XXXX Email sales@knightadj.com Knight Adjustment Bureau has engaged in very threatful phone conversation between XX/XX/XXXX to XX/XX/XXXX. Ask them for the phone recording, please.
Product: Debt collection

Zion Debt Holdings reported to my credit that I owe over XXXX for XXXX. This is false information. I contacted XXXX and they stated that I owe {$540.00} and didnt have information about Zions Debt Holdings XXXX They actually transferred me from the collections department to a different collections agency which was not Zions Debt Holdings. XXXX provided me with a letter stating how much I owe and what a reinstatement of services would cost including 1 month of service which is {$670.00}. This letter came from the XXXX XXXX for billing at XXXX. The representative I spoke with at Zion Debt Holdings tried to tell me that I only paid 1 month for service ( I used XXXX  for many months ) and that I signed a contract for 5 years of services. We would not sign a 5 year contract as we were renting the property for 2 years. The representative laughed at my questions and treated me like a criminal. I then filed a dispute through XXXX and shared my letter from XXXX themselves. I believe this is fraud and that the account was picked up and inflated for a money grab. I believe that there could have been a breach in XXXX  XXXX  I was unaware that I had a collections as XXXX  themselves never contacted me regarding the account in the several years that have lapsed since we had services and XXXX  themselves didnt have any information for such a company on my account. This is defamation and is very damaging as it could affect my job and seriously dropped my credit. I will be filling with my attorney if this is not resolved.
Product: Mortgage

XXXX XXXX XXXX sold my mortgage to Carrington. I had no notification from either company. Carrington immediately filed a letter of foreclosure and refused my payments. I tried to work with them, but received a letter saying I had declined their plan, I did not receive a plan. Now I am losing my home
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of identity fraud. 

I checked my credit report in early XX/XX/XXXX and found TransUnion listed 2 hard inquiries ( XXXX on XX/XX/XXXX & XXXX on XX/XX/XXXX ). Equifax listed 1 ( XXXX on XX/XX/XXXX ). On or about XX/XX/XXXX, I called XXXX, Equifax, XXXX, XXXX, XXXX, and XXXX. I froze my credit with all 3 reporting agencies, and explained the situation with all parties affected/listed above. 

XXXX, XXXX, and XXXX quickly verified it was fraudulent due to the address not being correct. All 3 of them said that they would send a letter to the 3 credit reporting agencies, and I would have the hard inquiries removed from my credit report in 30-90 days ... this was 5 1/2 months ago ... and they are all still showing. 

On XX/XX/XXXX, I contacted Equifax who said they never received anything from XXXX and that there was nothing they could do. They directed me to contact XXXX again. I immediately contacted XXXX again. XXXX stated that they sent the letter when I called them in early XX/XX/XXXX, but that they will fax it again. XXXX also sent me a confirmation email ( which I requested ). 

On XX/XX/XXXX, I contacted Equifax again to see if they received the letter from XXXX ... Equifax stated that they had not. I asked how I could submit the letter of proof that XXXX sent me ... they refused to give me anyway to accept it. Instead, they told me my only option was to call XXXX again, and have them call them ( Equifax ) explaining their determination. I called XXXX again, and they said there is no such number to call, and all they can do is submit the letter again to Equifax. As a side note, I was " disconnected '' from Equifax 3 times ... taking me 30+ min each time to get a representative on the phone. I was " disconnected '' from XXXX as well, and it was 58 min before I spoke to a person for less than a minute, only to be transferred and have to wait for roughly 10 more minutes. 

On XX/XX/XXXX, I contacted XXXX  again, and they told me that XXXX and XXXX never sent them a letter. The representative stated that he can file a dispute, but unclear what, if anything, will transpire ... since they too haven't done anything since becoming aware in early XX/XX/XXXX. 

Meanwhile, I need to apply for credit soon, and all these hard inquiries have a negative impact on my credit score. I have spent the better part of 3 days over the course of 5 1/2 months trying to resolve these inaccuracies, only to be told by the businesses that they did their part and it's the credit reporting agencies fault. While at the same time, being told by the credit reporting agencies that it is the businesses fault for not submitting anything. 

I am stuck with no recourse to straighten any of this out. Please help!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, XXXX - 3 Certified Letters were sent to all 3 credit bureaus ( XXXX XXXX and Transunion ). The letters included a handwritten letter explaining the debt and account information being incorrect and a copy of my identity. This item needs to be removed as soon as possible. As of today, XXXX XXXX, XXXX I have not received a response from XXXX or Transunion. 

Original Debtor : XXXX XXXX XXXX XXXX : XXXX XXXX Balance Owed : {$390.00} Settlement Paid : {$190.00} Paid on : XXXX/XXXX/XXXX Please attachments-
Product: Credit reporting, credit repair services, or other personal consumer reports

This was my second submission of complaint to request several credit inquiries that were unauthorized be removed from my credit report. Let me repeat that someone has been inquiring and opening accounts under my name. As per legal advice from a friend and as per your agent 's advice, I should file an FTC, which I did and I have attached it to this letter. The XXXX, Equifax and XXXX credit reporting agencies should remove all unauthorized credit inquiries due to non-permissible purpose under the Fair Credit Reporting Act section 605B within 4 days from date of receipt of this letter. In addition, I am contacting each company listed below to close any and all fraudulent inquiries opened : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

XXXX XXXX have completely in full concealed the fraud by XXXX XXXX XXXX on their records against me. Now the truth is in the open by XXXX XXXX XXXX XXXXXXXX under CFPB # XXXX and is fraud so to XXXX XXXX and Loan depot please disclose the facts to the fullest.
Product: Payday loan, title loan, or personal loan

I received a phone call today from a XXXXXXXX XXXX XXXX company XXXX XXXX ) stating I had a lawsuit against me from Ace Cash Express and the hearing would be at SD Court. Case number is XXXX. The man I spoke to said I would have my wages garnished. I am not working at this time due to Covid. I can not pay this loan and the amount ordered is over XXXX. I never received that much of a loan, ever.
Product: Credit reporting, credit repair services, or other personal consumer reports

WF XXXX Account number XXXX Account status Closed Date opened XX/XX/XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX - CHECKING OR Account number XXXX Collection opened XX/XX/XXXX So I have already reach out to both companies to let them know these accounts were never mine. Ive send in proof but neither has responded in over 2 years.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act, the accounts listed below have breached my federally protected consumer rights on accurate credit reporting. 

XXXX XXXX # XXXX is in violation of the Fair Credit Reporting Act by inaccurately reporting information to Transunion, XXXX, and XXXX. Upon reviewing my credit report, I observed discrepancies in the last activity dates- XX/XX/XXXX, with TransUnion, XX/XX/XXXX, with XXXX, and XX/XX/XXXX with XXXX. Furthermore, XXXX XXXX has Inconsistencies in my payment history across the XXXX bureaus, which contravene the Federal Credit Reporting Act. For Instance, XXXX  XXXX, reported a timely payment on XX/XX/XXXX, to XXXX but failed to provide any record for the same date on XXXX and TransUnion. Similarly, the reported on-time payments for XXXX to XX/XX/XXXX to XXXX but XXXX this information from XXXX and Transunion. Additionally, XXXX XXXX 's payment history percentages differ across bureaus- claiming a XXXX percent payment history for XXXX XXXX while indicating XXXX percent for TransUnion AND XXXX Percent for XXXX. These inconsistencies require immediate correction to align with the accurate reporting standards mandated by the Fair Credit Reporting Act. I would like this removed totally from my account. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. 

Under the Fair Credit Reporting Act ( FCRA ) ( XXXX XXXX. XXXX and following ), you may sue a credit reporting agency for negligent or willful noncompliance with the law within XXXX years after you discover the harmful behavior or within XXXX years after the harmful behavior occurs, whichever is sooner.
Product: Student loan

On XX/XX/XXXX, I tried to pay off my student loan in full. For multiple days, the account balance read {$0.00}. 

Not until an email from XX/XX/XXXX saying I had a late payment did I learn that the payment was reversed. 

I never received any email telling me that the payment was reversed or why. 

Now, today, XX/XX/XXXX, I am trying to figure out why this is, and I have been hung up on multiple times by Edfinancial Services customer service. 

This is incredibly frustrating and I have accrued interest on my loan because I thought it was paid in full. This is unfair.
Product: Mortgage

My lender PennyMac is not allowing us a short sell after we have submitted a completed package. 
At one point, we did have a loan modification but our financial situation changed and we could no longer keep that obligation. Needless to say, we have been behind on our mortgage payments and were recently informed of a foreclosure on our property. On the same day we were informed of the foreclosure, we contacted PennyMac to see if we could, again, qualify for a modification. However, we were infirmed we did n't, even though my husband recently graduated college, & is working full time as I am. After being declined for a modification, we suggested a short sale in lieu of a foreclosure, and were told that that would probably not happen because we had about 30 days before the scheduled foreclosure. We asked to give it a try as we believe a short sale is more advantageous to both parties. After speaking to several representatives at different times and days, we were finally told we could try, and to fax an authorization have our realtor have direct contact with them. Our realtor contacted them, completed ( with us ) the short sell package and forwarded it to PennyMac ASAP. 
We have been informed, as of today, that they could n't grant the short sell, although an offer was attached. 
We believe that a true and honest effort has not been done by our lender, but rather disregarded the fact that we are asking for an optional solution that can work for both parties. It seems to us as though this has fallen in deaf ears and we need your help to advocate or guide us with this situation. 
We understand if they say we ca n't afford this loan anymore, but we are not asking asking for something impossible, but rather an attainable and fair solution.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX I filed a dispute with XXXX about 16 late payments reported on account from my Student Loans. On XXXX XXXX I got a notification that my credit score dropped 42 points from a XXXX to XXXX and my payments went from XXXX to XXXX. I checked the status of the dispute with XXXX + Transunion and it said that my dispute was pending investigation so im confused why my score was dropped for a pending investigation. Upon completion of the dispute, XXXX + Transunion said that nothing on my account changed and the disputed payments were still valid. So with that in mind, I called XXXX multiple times to see why my score changed although nothing was added nor taken away from my account and I received different answers every time I called and every rep told me that they had no idea why my score changed because it should'nt have been tampered with and they didnt see anything that should have changed it. I even had a rep tell me that my score would return to a XXXX 30 days after the dispute was completed which was also false. I still have yet to receive any answers as to why my score was tampered with for no reason and i am highly upset. This is against the Fair Credit act and I am tired of the run around.
Product: Credit reporting or other personal consumer reports

Please see the attached notice of Consumer Demand for XXXX.