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

I am writing to you today to express my concerns regarding fraudulently furnished late payments that have been added to my credit report by your company. I have reason to believe that I am being extorted by your company, which is a serious violation of my right to privacy. As you may be aware, Congress has mandated that all financial institutions have an affirmative and continuing obligation to respect the privacy of their customers and protect the security and confidentiality of their nonpublic personal information. The addition of these fraudulent late payments to my credit report has caused substantial harm and inconvenience to my financial reputation due to fraud, which undermines public confidence in the banking system. According to 15 U.S. Code 1666b ( a ), a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. Additionally, I should have received a negative information notice no later than 15 days after the alleged debt was validated with me as the consumer. If your company can not provide proof that they lawfully validated this alleged debt with me before furnishing it on my consumer report, then it is my belief that this has been a fraudulently furnished late payment with forethought and malice intended to cause me harm. Please be advised that under 15 U.S. Code 6821, any false, fictitious, or fraudulent statement or representation to a customer of a financial institution is a violation of federal law and will be held liable under 15 U.S. Code 6823 ( a ), with fines up to {$500000.00} for a felony by an organization, imprisonment for five years, or both pursuant to 15 U.S. Code 6823 ( a ). I demand that these late payments be updated to PAID AS AGREED and that each late payment be deleted from my credit report immediately to prevent further harm to my financial reputation. I will consider any non-reasonable response as frivolous and will file a fault judgment in the favor of the interest of me, the consumer, the holder in due course, the attorney, and the administrator in fact. I am giving you 15 days from the date of delivery to respond to this notice. Failure to disclose requested documents SUCH AS all documents, papers, correspondence, books of account, and financial and corporate records. or provide a response to rectify any faults by Barclays will serve as acquiescence and your agreement to a default judgment against your company for the dishonor in the negotiable instrument, bank fraud, creation of the false and deceptive form, mishandling of goods, compromising my relationship with other financial institutions, and including stress caused to me in the attempt of exercising my rights in good faith. I expect you to handle this matter with ordinary care and address all subject matter. I thank you in advance for your anticipated quick cooperation on this important matter. Account XXXX : XXXX XXXX XXXX
Product: Debt collection

XXXX Credit Report Check your credit report for signs of theft, fraud, or error. 
Updated : XX/XX/XXXX Back to Credit Summary Accounts With a Negative Pay Status LENDER TYPE BALANCE SANTANDER CONSUMER USA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Remarks Charged off as bad debt. Profit and loss write-off.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following inquiries are fraud. They are in violation of USC 1681b. Never gave permissible purposes of consumer report. I never gave written consent to report anything on my consumer reports. No consent is fraud. Please see these inquiries are removed from my account. They are fraudulent & are impacting my ability to gain credit. 

XXXX XXXX Inquiry Date XX/XX/2022 XXXX XXXX Inquiry Date XX/XX/202XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I sent XXXX XXXX member service a Cease & Desist letter in regards to account ending in XXXXpursuant to 15 USC 1605. XXXX XXXXh XXXX XXXX member service sent me a letter stating they will stop all forms of communications in regards to account ending in XXXX ( letter attached ). XXXXXXXX XXXX  Member Service closed down my account, they have also continued reporting false information on my credit report. Stating that I am 90 days past due on account ending in XXXX, which i am not able to make payments online, through mail, or phone. XXXX has continued to violet my consumer right 15 USC 1692 ( c ) ( c ). I have requested that multiple times that the cease all form of communications and also threats in regards to account XXXX ( violation 15 USC 1692 ( f ). attached are sent threats by XXXX of paying {$20000.00} on a {$7000.00} owed account which was not mines .Attached are my credit reports showing XXXX XXXX member service still attempting communication of account XXXX by stating that its 90 days late.
Product: Debt collection

I have sent multiple debt validation letters to Spring Oak Capital, requesting proper validation of the debt they claim I owe.
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention an issue I have encountered with Experian regarding inaccuracies in my credit report. Despite multiple attempts to rectify the situation, Experian has failed to remove outdated and inaccurate information and update my correct address on my credit reports. 

I have identified several discrepancies in my credit report, including outdated accounts and personal information that no longer reflect my current financial status. Despite submitting documentation and following the appropriate dispute procedures outlined by Experian, the inaccuracies persist. 

Furthermore, my correct address has not been updated on my credit reports, which has led to confusion and potential issues with creditors and lenders. I have provided Experian with the necessary documentation to verify my current address, but they have failed to make the necessary updates. 

These inaccuracies are having a detrimental impact on my financial standing and could potentially affect my ability to obtain credit or secure favorable terms on loans and mortgages. I have made numerous attempts to resolve these issues directly with Experian, but they have been unresponsive and unwilling to address the matter satisfactorily. 

I respectfully request that the Consumer Financial Protection Bureau intervene in this matter and assist me in resolving these inaccuracies with Experian. I believe that Experian is in violation of the Fair Credit Reporting Act by failing to ensure the accuracy of the information contained in my credit reports. 

I have enclosed copies of relevant documentation, including correspondence with Experian and proof of my correct address, for your review. I appreciate your prompt attention to this matter and look forward to a resolution that ensures the accuracy and integrity of my credit reports. 

Thank you for your assistance. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ca, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Consumer Portfolio Services is reporting as a collection on my credit report. I spoke to a rep named Ms. XXXX on XX/XX/19 and she said my account is in collections and my account isn't even charged off or past due 30 days. Also I filed a recent report complaint # XXXX and Consumer Portfolio Services said they did a cease and desist on my account but I received another phone call from them today. Nothing is being done on the company 's end so I think I will seek legal counsel for further assistance because thyr have clearly violated FDCPA several times and no one is doing anything about the situation.
Product: Debt collection

XXXX. I never received any notification regarding a medical bill that I do n't remember not paying. I would like to get a copy of this bill showing my name and date of appointment. I also would like to know the reason this bill was send to collection without my knowledge. This account just show up on my credit recently the last week he was never reported before, so I assume that it 's a mistake and I request this to be removed from my credit. I getting phone call from collection I never get before with treat and harassment from this company
Product: Student loan

Im am a victim of being focused to pay a student loan when I never started the first day of class. To my understanding the school is now closed and Ive tried my best to get rid of this debt. The school that I went to was closed due to fraudulent loan payments to them and Im a victim of this
Product: Credit reporting, credit repair services, or other personal consumer reports

Bayview Loan is reporting a lot of inaccurate information on my report which is a clear violation of the FCRA. I have tried to have this account fixed to no avail. 

It is reporting to XXXX  and XXXX  and XXXX but a lot of contradicting information there is no way that they that they can validate this debt as it is reporting completely inaccurate they are in violation of my rights. 

XXXXn and XXXX are reporting a monthly payment of {$1900.00} and XXXX is reporting {$0.00}. XXXX is reporting the date opened as XX/XX/XXXX and XXXX and XXXX are reporting XX/XX/XXXX. XXXX and XXXX  are reporting the last reported date as XX/XX/XXXX and XXXX  is reporting XX/XX/XXXX. XXXX is reporting date last active as XX/XX/XXXX XXXX is reporting XXXXand XXXX is reporting it as XX/XX/XXXX. ALso XXXX and XXXX  are reporting it as 120 days late but XXXX is reporting payment status unknown. There are so many obvious FCRA violations
Product: Credit reporting or other personal consumer reports

I have file a dispute with equifax for unauthorized credit inquiries, its been 39 days, and I have not received a response from Equifax. Equifax continues to report these unauthorized inquiries on my file damaging my credit report, and scores. They need to remove this immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2020 I requested a free credited report from the three majors credit bureaus, I had no problem until I was filling out the credit report on TRANS Union web page, as soon as I finish and click for the report, dept. creditors started calling, the only wat they could have possible gotten my phone number is Trans Union shared my Personal Information, I believe this is a violation of my rights.
Product: Checking or savings account

I open an account with square up business bank on XX/XX/year> and I verify account with my information everything was fine till XX/XX/year> I received an email from square up saying Were sorry to inform you that XXXX deactivated your account. Based on the information you provided about your business, were not able to support your business needs right now. You wont be able to continue processing payments with Square. Unfortunately, this decision is final. 
But I never received any email asking me for more information about my business and also I put that my business was not reported to IRS because I was a sole proprietor trying new investment and they just wait for me to deposit {$1500.00} to close my account and now they wont want to give me money back or explain to my the reason why my account was close and why they refuse to refund my money I ask if they want proofs were my money come from and they never answer me I can show proof of my incomes
Product: Mortgage

Application package was submitted on XX/XX/XXXX and was told we would have a 5 % rate I asked on XX/XX/XXXX if we were locked in yet. Our loan officer said our rate was not locked in yet. I asked him what we needed to do to get locked. He stated that we needed to sign the disclosures so we signed them and sent them back immediately ( e-sign ). 

Two weeks later the processor emailed me saying the loan officer was " ready to lock in '' our rate. I was very confused by this so I emailed the LO for clarification. He said that he didn't lock in the rate because we'd discussed floating down the rate. I told him that didn't make any sense because a loan has to be locked in order to float down a rate. 

A few days later he said we could lock in at 5 % at a XXXX cost. Since we'd discussed on XX/XX/XXXX that I wanted to lock in at 5 %, I told him I was not going to pay any points to get 5 %. 

A few days after that, he said he was working on getting the " rate lock fee '' of .5 % reduced. I'm in mortgages and that was the first I'd heard of any such fee. I'm still not sure what he was referring to, but my guess is he was still trying to get around making us pay for a 5 % rate. 

I found this to be extremely deceitful and misleading and I think if I wasn't in the mortgage business, I would not have known how untruthful he was being.
Product: Credit reporting, credit repair services, or other personal consumer reports

The accounts and information, addresses are not mine to the best of my knowledge Enclosed all documents XXXX, XXXX # # # # # # # # # # # # # # # # XXXX {$1500.00} XXXX XXXX # # # # # # XXXX {$260.00} XXXX XXXX XXXX XXXX # # # # # # XXXX {$730.00} XXXX  XXXX XXXX # # # # # # # # # # # XXXX {$1900.00} XXXX XXXX # # # # # # # # # # # XXXX {$660.00} Inquiries XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX  XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX M XXXX XXXX, XXXX, LA XXXX XXXX XXXX XXXX XXXX, XXXX, OK XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX, LA XXXX
Product: Credit reporting or other personal consumer reports

Recently, i did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681 e ( b ) Accuracy of report whenever a consumer reporting agenvy prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

16 U.S. Code 1681i ( 5 ) treatment of inaccurate or unverifiable information ( A ) in general if, after any reinvestigation under paragraph ( 1 ) of any information dispute by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shallj ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation : and ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Please remove the following items from my credit report, immediately : Accounts 1. XXXX XXXX XXXX XXXX this account is being reported inaccurately, please remove this from my credit report immediately
Product: Debt collection

There is a Debt Collection Company called : I.C. System, Inc XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX, who works on behalf of XXXX. They claim I owe {$1100.00} for equipment that I have already returned to XXXX XXXX XXXX. I was a short term customer of XXXX XXXX XXXX years ago but had numerous problems with there service. I cancelled service and gave the equipment back to there service technician. Years later I find a collection on all my credit reports for this equipment. I have spoken with XXXX XXXX XXXX on many occasions and explained the problem. They told me they no longer even use that equipment in there service but I have to deal with IC System Inc. I have Disputed this debt with XXXX XXXX XXXX, IC SYSTEMS. I DO NOT HAVE THIS EQUIPMENT, IT WAS RETURNED, I DO NOT OWE THIS DEBT! IC System Inc. Is negatively reporting on my credit reports and has even recently started the debt over again. I Want these people held accountable.
Product: Credit card or prepaid card

CitiBank is at it again, discriminating against us, severely XXXX seniors! We live in XXXX, California, 35 miles from the nearest Costco. We drove to XXXX XXXX to take my daughter to her doctor because she don't have transportation. She was a victim of hit and drive accident and her XXXX XXXX XXXX! We tried to get a small purchase at at the XXXX XXXX Costco, but Citi Bank refused my charges. When I had scheduled their payment in advance to be posted on XX/XX/2021 when the due date is XX/XX/2021. I scheduled it with my new awesome bank on XX/XX/2021. CitiBank has illegally slashed my limits to in sixth of my limit to {$500.00}. The last time they had reduced it to {$1000.00} but then within minutes, when I was on their website, CitiBank sent me an email asking about my feedback. I clicked on the feedback link and gave them a score of zero to their few questions! Immediately,! CitiBank sends me another email telling me that my limits had been reduced to {$500.00}! 
Yesterday XX/XX/2021 my payment should had been posted but didn't! I called CitiBank and admitted that my payment was there, but didn't posted. I just checked today, and of all of sudden payment just posted today. I barely have enough gas to go there today! I'm glad you are suing CitiBank for {$700.00} XXXX. They have thousands of complaints online due to their fraudulent practices. Unfortunately, CitiBank don't care that CitiBank is victimizing us! No wonder XXXX keeps appearing daily, ( see XXXX ), informing us that XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I pray that CitiBank stop victimizing us illegibly and using illegal tactics against innocent victims! They have caused my credit score to go from XXXX to about half the score, causing me financial burden, not qualifying for other cards nor for low interest refinancing! Please help us!
Product: Payday loan, title loan, or personal loan

OneMain Financial told me that to get a loan, I would need a lien on my car. To get a lien on my car they told me they would need me to pay off all tickets. They told me they could do this themselves. This was back in XX/XX/XXXX. I had an outstanding ticket from XXXX and XX/XX/XXXX. They asked if I wanted them to pay off the tickets, and I agreed. So they took out money from the loan they were giving me to pay off these tickets. I paid off my loan in XX/XX/XXXX, and waited over four weeks to get my new title as the lien will be taken off the car. After not receiving it, I called one main financial and they said that their application to be a lienholder on my car all the way from XXXX have never gone through because one of the tickets, the ticket from XX/XX/XXXX, had not been paid. Apparently they had only gone to pay the XX/XX/XXXX ticket. Now I am unable to renew my registration on my car due to this pending application for a lienholder from XX/XX/XXXX, I am unable to get the title back on my car due to this outstanding ticket that holds the financial company from finishing their application to be a lienholder. I was never told that their application to be a lienholder never went through and it is seven months later. I am now being charged late fees on my registration, I am unable to renew my car registration, and I still do not have the title to my car and its been over five weeks since I paid off my loan. After paying off my loan, they also never told me about this application issue that would stop me from getting my title. I have called plenty of times throughout my loan., And Ive never heard anything about this.
Product: Credit card

on XXXX XXXX out of state charges were fraudulently charged on my credit card ending in XXXX the three separate charges amounted to almost {$10000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit reporting agencies XXXX, XXXX and TransUnion is reporting a Closed XXXX XXXX Account # XXXX opened on XXXX XXXX XXXX XXXX XXXX Account # XXXX opened on XXXX XXXX XXXX Account # XXXX opened on XXXX XXXX XXXX XXXX XXXX Account # XXXX Opened on XXXX XXXX Dept Of ED/XXXX account # XXXX Opened on XXXX XXXX XXXX XXXX XXXX XXXX account XXXX XXXX opened on XXXX XXXX XXXX XXXX XXXX account XXXX XXXX Opened on XX/XX/XXXX XXXX XXXX XXXX account XXXX XXXX Opened on XX/XX/XXXX XXXX XXXX account # XXXX opened on XXXX XXXX XXXX account # XXXX opened on XXXX XXXX XXXX XXXX XXXX account # XXXX opened XXXX XXXX XXXX account # XXXX Opened on XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to XXXX, XXXX, and Transunion yesterday XX/XX/XXXX via phone call. XXXX had me on hold and transferred me 6 times and hung up in my face. I have told them to remove false information and account information from my credit report. The send a automatic generic response and ignore any violation to myself and the law. I called them today and the representative I spoke with was of no help and refused to handle my request as I stated. I will be taking this to the highest level possible and charging for every violation if this complaint does not render the solution I desire. I have not and do not consent to any of the misinformation to be reported under 15 USC 1681 ( a ) ( 2 ) ( b ) Furnishing A Consumer Report Without The Consent Of The Consumer.
Product: Debt collection

Previous complaint submitted. Company is requesting proof of report on credit. Ive attached the account that needs to be removed.
Product: Money transfer, virtual currency, or money service

I am writing to formally raise my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit exposing significant flaws within the platform. Despite having used Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to conduct a thorough investigation into my claims. I was informed that recovering lost funds was impossible and that tracking the disputed transactions was unfeasible. The CFPBs findings further reveal that Zelle has consistently neglected to safeguard consumers, allowing repeat offenders to exploit the system and leaving users vulnerable to scams. This lack of accountability, transparency, and consumer protection is deeply troubling and raises serious concerns about the platforms commitment to user safety.