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

My account with ( CREDITOR NAME ) was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on XXXX. 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 those account 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.

( CREDITOR NAME ) Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information wa
s 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: Money transfer, virtual currency, or money service

I am filing a complaint regarding a disputed transaction using Zelle through my bank. Funds were transferred incorrectly, not delivered to the intended recipient, or sent without my authorization. Despite contacting both my bank and Zelle, I was denied reimbursement. I was informed that Zelle does not offer fraud protection for unauthorized transfers, leaving me financially impacted. 

Additionally, Zelle failed to adequately warn users about the risks of fraud and unauthorized transactions when using its service. Many consumers, including myself, were led to believe that Zelle offers protections similar to other payment platforms, despite its significant vulnerabilities. 

I am aware the CFPB has taken legal action against Zelle for inadequate consumer safeguards. I request : 1. A refund of the disputed funds.

2. A clear explanation of Zelles fraud and error resolution policies.

3. Stronger consumer protections and transparency about the risks associated with using Zelle.

Thank you for your attention to this matter.
Product: Payday loan, title loan, or personal loan

I was contacted via postal mail to apply for an installment loan. I was approved for a loan of {$500.00}. I was told at first that only 8 installment payments of {$130.00} would be withdrawn from my bank. I've already paid 7 payments but according to them I still owe over {$400.00} and when I went to see the payment history only tiny payments are going toward the principal and larger payments towards finance fees ( It looks ridiculous ) i took a screenshot to provide you for evidence
Product: Consumer Loan

The loan company employees continuously visit me at my work place even after I have set up payment agreement. They call my workplace as well constantly.
Product: Credit reporting or other personal consumer reports

On XX/XX/2024, I sent a letter to dispute discrepancies I saw on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have A TD Bank on my credit report which is reporting wrongly. 

I have reached out to all three bureaus and TD Bank to make the necessary changes which they have not done. The bureaus are not consistent with which months they are reporting late. If they did a proper investigation they would all match up to be the same months. Which leads me to be concerned that it may all be inaccurate. 

.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against ( XXXX XXXX Account # XXXX ) for violating the Fair Credit Reporting Act ( FCRA ) and to seek relief for the distress and financial harm caused by their actions. 

Complaint Details : ( XXXX XXXX Account # XXXX ) Date of Incident : XX/XX/year> Nature of Complaint : Multiple errors and inaccuracies, Method of investigation, How did you verify this account as accurate? 

Inaccurate Reporting : ( XXXX XXXX Account # XXXX ) has reported inaccurate information on my credit report, including an incorrect balance and misleading payment terms for a collection account. This false information has significantly harmed my credit score.

Lack of Notification : ( XXXX XXXX Account # XXXX ) did not notify me in writing about the alleged debt before placing it on my credit report, depriving me of the opportunity to dispute the debt or verify its validity.

No Contract or Business Relationship : I have never engaged in any business with ( XXXX XXXX Account # XXXX ) and have no contractual agreement with them. Their reporting of this debt is unauthorized and unfounded. 

Unauthorized Entry on Credit Report : ( XXXX XXXX Account # XXXX ) added this account to my credit report without my consent, violating my right to privacy and the provisions of the FCRA that require accurate and fair reporting of credit information.

Impact : The actions of ( XXXX XXXX Account # XXXX ) have significantly damaged my credit score, leading to potential denials of credit, increased interest rates, and other financial hardships. Their failure to comply with the FCRA has also caused emotional distress and financial instability.

Requested Resolution : Method of Verification : I request that ( XXXX XXXX Account # XXXX ) provide the method of verification used to substantiate the alleged debt and their reporting of this account. This includes all documentation and evidence they have regarding this debt.

Re-investigation : I request a thorough re-investigation of this account and its reporting. This includes verifying the accuracy and completeness of the information being reported.

Immediate Deletion of Account : If ( XXXX XXXX Account # XXXX ) can not provide adequate verification and substantiate the accuracy of the reported information, I request the immediate removal of the inaccurate and unauthorized account information from all my credit reports.

Thank you for your prompt attention to this matter. I trust that the CFPB will take appropriate action to address these violations and ensure that ( XXXX XXXX Account # XXXX ) adheres to the Fair Credit Reporting Act.
Product: Money transfer, virtual currency, or money service

PAYPAL , INC . 
Account is XXXX XXXX XXXX is name I have other paypal accounts. 
I have {$270.00} stuck in this paypal account - they refuse to release it to me. One representative from paypal told me to chargeback the original transaction which was {$940.00}. I just want my {$270.00} - they want to hold it for 180 days. I have verified accounts with ID. This is not legal.
Product: Mortgage

My house payment includes taxes and insurance. My mortgage was transferred from XXXX XXXX XXXX to Nationstar Mortgage on XXXX. With Nationstar my escrow payment has been XXXX, it has increased to XXXX as of XXXX XXXX. I contacted the company on XXXX, and spoke to XXXX, located in California, to find out why this has happened. I got 2 different reasons, and neither one made sense to me. I asked to speak to a supervisor, was on hold for approximately 5 minutes, then was told he could n't reach the supervisor. I asked him what government agency oversees mortgage companies, he told me Nationstar could do that internally. I declined, and I stated I wanted to use a Government consumer agency, and we ended the call. Also, they are changing their name from Nationstar Mortgage to " XXXX XXXX '', not XXXX XXXX Mortgage, just ... XXXX XXXX. That sounds like a scam to me, or some other illegal operation. I have attached the records of my payments, and what I believe, is the inflated escrow charges. Thank you for any help you can give me. I will also file a claim with the Consumer Protection Bureau, and the Oregon Department Of Justice Financial Fraud Department. Sincerely, XXXX
Product: Mortgage

I was approved for the HAF Home Owners Assistance program 18 months forward payments. My mortgage company is claiming they have not received any information or payments from HAF but according do the XXXX they have so theyre lying.
Product: Debt collection

XXXX XXXX XXXX has sent me letters saying there is a debt I owe them. I am a current customer and my account is current. They have sent a debt that does not belong to me to collections agencies without providing any evidence. 

I have not been able to resolve this with XXXX XXXX XXXX ; s consumer fraud group. I keep getting bounced around. 

Every couple of months, I will get a new letter from a different collections agency. 

I received one from Radius Global Solutions LLC. 

Reference Number XXXX I would like for these notifications to stop and for XXXX XXXX XXXX to clear this debt that is not for my account. 

Respectfully, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my credit reports, there is a closed/charged-off account on my credit report with XXXX XXXX that has a debt of {$140.00}. I contacted XXXX XXXX on XX/XX/2018 with the information provided on the report and they have no record of me having an account with them. They used both my social security number and the account listed on the credit reports, but was were able to located me as a customer or the account. I then submitted a dispute with XXXX on XX/XX/2018 for  the account, stating that the account does not belong to me. The account has not been removed my credit report.
Product: Checking or savings account

On XX/XX/year>, I made a Mobile Check Deposit of {$2500.00} and a hold was subsequently placed on the check for review. On XX/XX/year>, Huntington made the decision to close my checking account ending in XXXX. In a past complaint, CFPB XXXX # : XXXX, XXXX XXXX XXXX XXXX " The balance of your account, in the amount of {$2500.00}, will be mailed to the address on file on XX/XX/year>, unless the deposited check is returned, or a claim is received by the paying bank. '' Today I contacted XXXX XXXX, and he said that this won't happen until I bring a notarized statement from the person that wrote the check. No communication was sent to me in any way with this information, I had to call this XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and get this new information. 

I ask him why I wasn't told, and he said " well, if you want the money you will have to do that '', " what's the big deal bringing the letter? '' I responded that it would take time and money, and he replied, " oh well ''. 

They are playing with customer 's money and time.
Product: Vehicle loan or lease

XXXX Called Brite Financial to obtain information as where to take my car for repairs with the extended warranty that's included in my lease. Originally Car rite XXXX XXXX XXXX XXXX XXXX WI XXXX is where my car should go for maintenance and repairs. 
Car Rite has been closed since XX/XX/XXXX, no notice or direction as to where to take my vehicle going forward. Brite Financial advised my contract # is XXXX the number for the XXXX XXXX  is XXXX I was advised that The XXXX XXXX, administered by XXXX is where I should call XXXX. I called them and was advised I could take my vehicle to any licensed repair shop and my deductible for repairs is {$100.00}. I then made an appointment for XX/XX/XXXX at XXXX with XXXX XXXX dealership. 

XXXX XXXX advised me that my car needed a sensor replaced and they were going to call the warranty place to open a claim. They would call me Back to schedule the repairs. 

XX/XX/XXXX XXXX advised me that The XXXX XXXX denied my claim as I need to go to the selling dealership which is closed. 

XX/XX/XXXX Called XXXX XXXX  back and they were supposed to call XXXX back with my claim number as they confirmed the selling dealership is closed. 

XX/XX/XXXX Called XXXX no call ever received from The XXXX XXXX, called XXXX XXXX there is a different department " first extended '' that I need to speak to? On hold for over 30 minutes and the system disconnected the call.
Product: Mortgage

we asked Wells Fargo Bank to see if they could work with us on a mortgage modification while we passed some hard times, after hurricane Harvey.  They agreed. We started to send all information, they called back and we send them more, and more.By then we were 2 months, and other Wells Fargo persons started calling. Meanwhile the other people still kept asking for mire info, I sat with one and we went over 2 months, explaining in detail how money was spend and were it came from. Still they keep asking to resend more paper work, but will not say will help or not. We believe that Wells Fargo is not acting in good faith. 














































-
Product: Checking or savings account

XX/XX/XXXX {$65.00} XX/XX/XXXX {$45.00} XX/XX/XXXX XXXX XXXX  {$300.00} XX/XX/XXXX {$150.00} I disputed XX/XX/XXXX I cant get anyone to update regarding my claim This all started after I downloaded XXXX and did some shopping on their website. I have 2 other affected accounts that happened same time and those claims were disputed same date as found and the claims have been investigated and reimbursed back to me. Found hasnt started investigating
Product: Debt collection

I received a notification from CCS offering a discount payment of 50 % for an alleged debt on XX/XX/21. I do not have a contract with this collection agency and the notification did not advise of the 30 day validation of debt option. Be advised that I am not requesting a verification that you have my mailing address, I am requesting a validation that is competent evidence that I have some contractual obligation to pay you ( CCS ). Under federal law you have 30 days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to provided within 15 days of the completion of your re-investigation.
Product: Checking or savings account

My checking account with Bank of America ending in XXXX was closed with description " SUSPECTED FRAUD ACTIVITY '' despite the fact that Bank of America states that the account transactions never reported and fraudulent activity, see attached report from Bank of America. The negative balance was paid and there is now a zero balance on the account. 

Due to the " SUSPECTED FRAUD ACTIVITY '' noted on the closed paid account, I am unable to open a bank account which is causing hardship and financial issues.
Product: Mortgage

US Bank wrongfully denying loan modification application. Submitted five completed applications. Each application accepted and verified as complete, then rejected as incomplete. Multiple requests for documents already in their possession. Each request fulfilled immediately by consumer. Bank admitted to wrongfully rejecting completed application but refuses corrective action. From the viewpoint of the consumer, banks actions appear incompetent at best.
Product: Vehicle loan or lease

Dont know nothing about this never living in North Carolina before Stolen identity
Product: Credit reporting, credit repair services, or other personal consumer reports

There Addresses that are listed do not belong to me. I have never lived at any of the addresses that are posted on my credit report.
Product: Debt collection

Attached is all my correspondence with Wells Fargo Auto with whom I apparently owe {$1200.00}. As you will see I have requested on numerous occasions to have the amount owing in writing that they will provide me with the original instrument of indebtedness in its original form. I also have the lawsuit settlement as I was awarded {$6000.00} due to Wells Fargo Auto charging me an " insurance fee '' when I already had my own insurance policy on XX/XX/2015. 

It seems to me that there is no original instrument of indebtedness in existence which again settles the matter legally and financially and the lawsuit was settled in my favor, for the loss of my vehicle to repossession. 
I would appreciate if you would review my documentation and obtain a statement of facts from Wells Fargo Auto outlining exactly why they can not produce the original instrument of indebtedness, why they have referred this non-existent debt to a debt collection agency/charge-off. 


Sincerely XXXX XXXX
Product: Credit card or prepaid card

Hello- I had several payments scheduled with American Express and had my account abruptly closed with no explanation. 

On XX/XX/2022 I paid {$2300.00} to American Express. 
I scheduled a payment of {$3500.00} for XX/XX/2022 to American Express on XX/XX/2022 and confirmed with the American Express rep over the phone that my account would be current. 

On XX/XX/2022 my login to American Express no longer worked. I tried resetting my password with no luck. I called American Express and they offered no explanation. 

I called again on XX/XX/2022 and a rep could not offer an explanation but it appears there was an issue with my account. I told this rep to cancel all scheduled payments and he agreed. 

I received a total of XXXX ( XXXX ) emails from American Express on XX/XX/2022 stating that my {$3500.00} payment scheduled for XX/XX/2022 would process. I called American Express again on XX/XX/2022 and asked why this was the case and they could not offer an explanation. I called my bank XXXX XXXX XXXX XXXX ) to have a stop payment on all payments to American Express. 

I called American Express again asking for an explanation and received none. 

I received an email on XX/XX/2022 that American Express cancelled my account and demanded I pay my balance in full with no explanation as to why they cancelled my account. 

I emailed them and their response was " Thank you for reaching out to us. We will forward your request to the appropriate department ''. After multiple emails to American Express between XX/XX/2022 and XX/XX/2022 I have yet to have XXXX identifiable American Express rep respond to me. I have only received automated messages. 

I am now asking CFPB to mediate going forward as I believe American Express has been acting in bad faith and has not responded to any of my emails beyond some generic response stating " Thank you for reaching out to us. We will forward your request to the appropriate department ''. 

I do not trust the reps that I have called at American Express and they have not been honest with me regarding any of my scheduled payments, account status, and how I will proceed from here with paying my balance. I frankly don't feel comfortable wasting any more time as this issue has been going on for XXXX weeks now with nothing but bad faith actions from American Express.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter disputing the account with the collection agency. Then I disputed the account with XXXX CRA. XXXX XXXX is falsely stating this acct was included in my Chapter XXXX. This account was turned over to Midland from the original creditor ( XXXX XXXX ) in XX/XX/XXXX. I filed BK in XX/XX/XXXX and it was discharged. So, how could this acct be included in the BK. My XXXX XXXX acct was never opened or established when I filed BK in XX/XX/XXXX. The info below shows what XXXX XXXX is reporting to XXXX : Account NameXXXX XXXX Account NumberXXXX Account TypeDebt Buyer ResponsibilityIndividual Date OpenedXX/XX/XXXX StatusDischarged through Bankruptcy Chapter XXXX. 
Status UpdatedXX/XX/XXXX Balance - Balance Updated - Recent Payment Amount - Monthly Payment {$0.00} Original Balance {$590.00} Highest Balance {$0.00} Terms 1 Months On Record UntilXX/XX/XXXX
Product: Credit card or prepaid card

On XX/XX/2021, I purchased airfare on XXXX for a trip on XXXX XXXX with my Capital One Quiksilver card. Due to a billing error where my card was charged twice for the same ticket under my name ( XXXX XXXX ) I called XXXX to cancel on XX/XX/XXXX and received an email confirming cancellation later that same day. 

When I looked on my Card Transactions history later in the week, I noticed both charges still posted to my account. I called Capital One to dispute these charges and around XX/XX/2021 my account was credited. 

On XX/XX/XXXX one charge of. {$290.00} as a purchase adjustment reappeared on my bill. When I called to inquire as to why, I was informed that the previous representative I spoke to documented my dispute incorrectly and that the credit to my account would be reapplied which it later was. 

On or around XX/XX/XXXX, my card was again charged a Purchase Adjustment of XXXX from XXXX XXXX, despite my having faxed in the requested documentation proving my refund was valid, the month prior. The representative I spoke to on the XXXX informed me that they hadn't received my documentation and that XXXX sent in paperwork so that the charge would be reapplied to my account for yet a THIRD time in 2 months! 

I find this to be unacceptable as I have now spent over 2 months haggling with Capital One over a refund that I was assured I would receive from XXXX ( through XXXX ) and Capital One!
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical  verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your  failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX  XXXX Balance : {$19000.00} XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I filed a dispute on { XXXX XXXXXXXX, Citi Cards/Citibbank and XXXX XXXX XXXX XXXX XXXX denied to follow up with the investigation. I recently was notified that CFPB has filed a lawsuit against the company ( XXXX  ). They alleged the company of accepting unreliable information, failure to notify consumer dispute results. This aligns well with my situation! XXXX has not attempted to remove, nor correct any information. I'm requesting this derogatory remark be removed or corrected immediately as it's affecting my chances of getting { house, car, etc }. XXXX violates my rights as a consumer, as well as federal laws.