23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I have a Milestone Credit Card that I have never been late on payment. I paid monthly bill on the XXXX and paid {$60.00} over the minimum payment required. This amount came out of my checking account on the same day which was the XXXX. The next thing I knew my bank showed that my credit score dropped by over XXXX points with credit agencies stating the reason was because I was over the limit on my credit card. I contacted Milestone and complained telling them that they caused my score to drop by stating I was over limit even though I paid my bill early like always and paid over the minimum amount. I told them I wanted them to file report with credit agencies showing them that I paid bill on XXXX, they took money out of my account on XXXX which was early and over minimum payment required so the situation was fixed so points were put back and my score was adjusted. I was told that it would be taken care of but not only have they not taken care of anything they're still showing my account as over the limit and still have never put payment from the XXXX on my account despite it being taken out of my account and speaking with them. 
I was XXXX in XXXX XXXX  many years ago which caused me to lose everything including my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX However after years of XXXX XXXXXXXX hardwork and several miracles I was able to leave. Now after years of more XXXX XXXX I was finally able to get one of my doctors to sign off and approve me being able to reestablish my XXXX  and everything else that will not only help my health and family but will also help thousands of families and our Country.

Because of this I've been doing everything possible to get everything in place to apply for Government Guaranteed Loans and other Programs that I qualify for that assist people with XXXX and other social disadvantages. One of the main issues is getting my credit scores as close to the XXXX that they were at before the accident that caused me to lose everything which is the reason why this is so important. This is why I'm trying to find out how they can show my account as over the limit when I paid it early on the XXXX, they took money out of my checking account on same day and still show it the same way. I'd like for them to fix what they caused to my credit scores by showing when I paid bill and that it shouldn't be over the limit like they're still showing for some reason.
Product: Money transfer, virtual currency, or money service

With the recent CFPB complaint exposing serious problems with the platform, I am writing to formally voice my concerns about Zelle 's dispute resolution practices. Both Zelle and my financial institution did not sufficiently look into my claims, even though I used Zelle multiple times and reported inconsistencies. They told me it was not possible to track these transactions and that there was no way to reclaim lost money. In addition to failing to safeguard customers, Zelle has let repeat offenders to take advantage of the system, leaving users open to fraud, according to the CFPB 's findings. This lack of transparency and accountability is intolerable and poses major risks to customer safety.
Product: Money transfer, virtual currency, or money service

I am writing regarding the complaint I submitted on XX/XX/2024. Complaint ID is XXXX. I spoke with XXXXXXXX XXXXl this afternoon. They told me that they received {$490.00} from Chase bank on XXXX XXXXXXXX XXXX XXXX XXXX said that they have not yet received {$400.00} payment from Chase bank which was subtracted from my account.I gave the merchant ARN number XXXX provided by Chase bank.The merchant reached out to their visa representative and confirmed that no payment was received from Chase bank.Could you please do me a favor by asking Chase bank to remit {$400.00} to XXXX XXXX XXXX XXXX inorder to resolve this issue? .You have been so helpful.I really appreciate all of your hard work.
Product: Debt collection

According to Hunter Warfield themself as stated in the previous Consumer Financial Protection Bureau complain " the last time that Section 8 paid the consumers rent was on XX/XX/XXXX ''. This date is the last date of delinquency, however Hunter Warfield is reporting the last date of delinquency as " XXXX XXXX XXXX referred an account to Hunter Warfield for collection on XX/XX/XXXX ''. 

In accordance with the Fair Credit Reporting Act ( FCRA ) If you are a debt collector furnishing information to a CRA about the accounts of a creditor, you must report the date of delinquency given to you by the CREDITOR FCRA 623 ( a ) ( 5 ) ( A ) This " date of delinquency '' determines how long the debt can be reported on a consumer 's credit report. Generally, a CRA may report a delinquent debt for seven years from the date of delinquency. If the debt was XXXX in XXXX, however, a CRA may report it for 10 years. I have never had a XXXX 

Hunter Warfield is going by the date that the so-called collection account was placed with there not so legitimate company, instead of the date of delinquency given to you by the CREDITOR, which is against the ( FCRA ). Hunter and Warfield is attempting to re-age this account so that this account stays on my credit report longer than it legally should, an offense punishable by a lawsuit with punitive damages plus lawyer fees accrued. 

Warning Warning this is the second ( 2nd ) Consumer Financial Protection Bureau complain filed against this company, the first being un-timely verification passed the 30 day time allowed. I intend to SUE this company if the account is not deleted from my credit report due to fraudulent and deceptive credit reporting.
Product: Vehicle loan or lease

I began my initial auto lease for a new vehicle XX/XX/XXXX and picked out a new car XX/XX/XXXX. I was informed that Nissan would pay the last two months ( XXXX and XXXX ), open balance on my Nissan Finance account as an incentive for the new purchase. My issue is, I had accelerated my payments over the past three years with a current balance of {$150.00}. 

In writing up the new sale, there was no provision for the actual {$540.00} to allow for the actual two months payments. 

I think Nissan should give me an allowance for the two months even though I met the payment obligation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Date : XX/XX/XXXX To Whom It May Concern, Equifax, XXXX  and XXXX  are reporting inaccurate information on my credit file. They have failed to investigate and verify that these items are reporting correctly. Their action has hurt my ability to obtain new credit and this is very troublesome to me. I have been disputing with them since XXXX of XXXX last year and they still have not corrected the errors and this is a direct violation of my rights under the FCRA! I have documented each letter that I sent to them and their responses that I can use in my defense. I am asking that the said accounts below be removed from my file immediately! 
Accounts Account Name : XXXX XXXX Reporting on Equifax and XXXX 1. Open date of XX/XX/XXXX is incorrect. 
2. Past Due Amount of {$720.00} is incorrect Account Name : XXXX   XXXX  XXXX XXXX  XXXX  XXXX Reporting on Equifax, XXXX, and XXXX 1. Two different account names : XXXX  and XXXX  2. Account Status : 2 states Closed and 1 state open 3. 2 Different Open dates : XX/XX/XXXX and XX/XX/XXXX 4. Balance of {$100.00} incorrect Account Name : XXXX XXXX XXXX Reporting on Equifax, XXXX, and XXXX  1. Account Status : 2 states Closed and 1 state open 2. 2 Different Open dates : XX/XX/XXXX and XX/XX/XXXX 3. Balance of {$1200.00} incorrect
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the informationisinaccurate.

Please remove these Inquiries from my credit report. 
These inquiriesarelisted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I see a Mobile phone on my report I do not recognize XXXX XXXX {$1800.00} I have fully investigated my rights in this matter. Under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. I have copies of the certified letters and dates prepared to bring to court on XX/XX/XXXX. Also, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence. 
Under the Fair Credit Reporting Act, if they can not verify the debt within 30 days, then it must be removed. You lied to me claim to have " verified '' the debt, but this is in fact not true under law. Simply contacting the alleged creditor and asking them to match up numbers in their database is no sufficient verification for identity thief
Product: Credit reporting, credit repair services, or other personal consumer reports

i sent letters to XXXX and Experian for inaccurate reporting items on my credit report per 15 USC 1681b see attachments below
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data on my credit file that came about because of a FRAUD yet I have an Accounts passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on the letter. I've proactively remembered this report for 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. XXXX XXXX XXXX XXXX  XXXX Bankruptcy XXXX XXXX-dismissed Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XXXX XXXX XXXX Bankruptcy XXXX XXXX-discharged Date Filed/Reported : XX/XX/XXXX Reference # : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is reporting late payments on my consumer report that are nor properly investigated by law before they report the late payments from XXXX XXXX. By reporting this on my consumer report is also a violation of my privacy. Transunion is infringing on my rights to privacy by furnishing these late payment on my consumer report.
Product: Credit reporting or other personal consumer reports

My account with XXXX  was never late! I have had exceptional payment history with 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 paymen t reported in 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 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: Credit reporting or other personal consumer reports

I am filing this complaint against Equifax due to its failure to enforce the Fair Credit Reporting Act ( FCRA ), specifically Sections 605B ( 15 U.S.C. 1681c-2 ) and 623 ( 15 U.S.C. 1681s-2 ), in relation to the reporting of inaccurate and inconsistent information from XXXX XXXX  XXXX XXXX continued inaction has resulted in financial harm, emotional distress, and significant damage to my credit profile. 

I was already disputing and requesting that XXXX XXXX validates the debt when i reported that my identity was compromised, impacting all my personal and financial/banking information. 

During this time : Equifax failed to block the XXXX XXXX account under FCRA Section 605B, even after being notified of identity theft and receiving supporting documentation ( FTC Identity Theft Report and disputes ). 

XXXX XXXX reported inaccurate and inconsistent payment statuses, such as showing XXXX as both on time and 30 days late and XXXX as 60 days late while payments were listed as paid but unavailable. These changes occurred nearly every week without any notice of missed payments. 

Equifax allowed unauthorized changes to my personal information, including the deletion of my real name, marital name, date of birth, and employer, while allowing incorrect addresses, including an address in Arizona where I have never lived, to be associated with my report. 

XXXX XXXX has also contributed to these violations by failing to notify me of any missed payments or validate the account. I believe XXXX XXXX is responsible for reporting the fraudulent Arizona address, further proving the account and their actions are fraudulent.
Product: Payday loan, title loan, personal loan, or advance loan

Yes I received an installment loan in the mail for XXXX once I cash the check I was to repay back XXXX I made my payment on time for 5 months which took my balance down to XXXX. My payment are XXXX now they are charging more interest on this payment an harassing me.
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX XXXX report indicates that Gateway First Bank ran four inquiries on my report. Two on XX/XX/2023 and two on XX/XX/2023 At this time, my XXXX XXXX file was frozen. Gateway First Bank didn't have my permission to request a report attached is a copy of the report
Product: Debt collection

On XX/XX/XXXXa correspondence was sent via certified mail along with an Affidavit of truth/Identity to Common Wealth Financial Services after receiving an alert on my credit report in regards ta an alleged account ( # XXXX ) a medical account that was originally established between XXXX XXXX XXXX XXXX on/or about XX/XX/XXXX. By it being a medical account I requested verifiable proof of them having original contract between myself and their company with my wet-ink autograph ; the contract with myself and XXXX XXXX XXXX XXXX signing giving permission to disclose such private info as it violates HIPPA of XXXX/ FDCPA 807 [ 15 USC 1962e/ Sect. 609 ( a ) ( 1 ) ( A ) ]. Haven't heard anything from them since and their mark on my credit file is damaging. I informed them that if a fair resolution isn't reached then legal matters will entail. By way of Notice of Fault & Opportunity to Cure, Affidavit of Notice of Default, and Affidavit of Certificate of Non-Response will follow and will follow with legal matters and ask for jury trial to remove from small-claims court jurisdiction to obtain larger settlement.
Product: Debt collection

I ran my credit report XX/XX/XXXX as I am attempting to purchase a home ... I saw XXXX on my credit report. I contacted XXXX, they claimed non return of equipment from XX/XX/XXXX in which I did not recall. I attempted to have it removed, they claimed that it was valid so I contacted the collections agency, I advised the agency that I needed XXXX removed and cleared from my report, they promised it would be removed so I paid it but it still remains on my report, the balance is now XXXX but XXXX still shows under the collection tab with a XXXX balance. I need this removed from my report.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2023 /
Product: Credit card or prepaid card

Yes my name is XXXX XXXX and paid {$340.00} to capital one credit card company and supposedly settle for less left with a {$0.00} balanced and still showing {$350.00} dollars and the original amount was {$690.00}. I paid this in the beginning of XXXX and Showing {$350.00} Remaining when it should be {$0.00}.
Product: Debt collection

This debt keeps being verified by the company. No notices in the mail. Last cfpb complaint got them to sent a " we are looking into letter '' with nothing else. Company also claims to have made phone calls, and sent letters. I have no proor of this. The BURDEN is on THEM to proof they have indeed. Signing up for the CC itself is not verification of. Several months and attempts have gone by with XXXX communication or verification. This debt does NOT belong to me. 

At this rate. Constantly verifying a debt without providing proof, I will be bringing a civil suit and lawyer at this point against the CC company. Thos is unacceptable
Product: Credit reporting, credit repair services, or other personal consumer reports

I am contacting you regarding 30- and 60-day derogatory marks that appear on my three credit bureaus reported by XXXX XXXX XXXX and XX/XX/2020. 
I dispute these and demand a full removal of each 30- and 60-day late mark based on the enacted Section 4021 of the Coronavirus Aid, Relief, and Economic Security Act ( the CARES Act ) which bars ( and makes illegal ) such a derogatory mark, subject to its terms. The purpose of this letter is to ask that the derogatory mark immediately be reported as current to the three major credit reporting agencies, XXXX, XXXX, and Trans Union so that this matter be resolved amicably and without any court intervention. 
Prior to the missed payments, I attempted to contact XXXX regarding my charge card payments, albeit unsuccessfully due to hold times several hours long. My income has been temporarily negatively impacted by the COVID-19 outbreak, I have experienced severe financial hardship as a result of the economic standstill that our country is going through. 
Recently, and in response to the COVID-19 outbreak, the CARES Act was signed into law by the President of the United States on Friday XX/XX/2020. The CARES Act modifies the Fair Credit Reporting Act, 15 U.S.C. 1681, et seq. ( the FCRA ) by precluding furnishers of credit information ( which specifically includes all major banks ) from reporting any deferred payments, forbearances, or other missed payments during the covered period
Product: Credit card

The first payment of XXXX has a payment date of XX/XX/year>. XXXX payment of XXXX has a payment date of XX/XX/year>. I have sent proof of electronic payment from my bank and Barclays states that they need a complete payee account number. My bank cant provide the complete number. My bank told me to have a XXXX way call with Barclays but they stated they could not call my bank. I then asked my bank to retrieve the funds and I would pay Barclays another way. As of XX/XX/year> Barclays will not respond or return my payments. I cant afford to lose that much, I am retired and only receive a certain amount to live on. If Barclays would review my previous payments over the years it would show that I always pay the balance each month and I round up the payment. Barclays case number to my situation is XXXX. They have all my documentation on file, along with recorded phone calls. I also placed a complaint with XXXX, which had a XXXX assistant contact me but was not able to get the credit department to assist.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ). block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX on XX/XX/XXXX, an auto loan account opened at XXXX  XXXX auto on XX/XX/XXXX, a XXXX XXXXXXXX card on XX/XX/XXXX, a XXXX XXXX/ XXXX XXXX on XX/XX/XXXX, an XXXX acct. on XXXX XXXX, XXXX, personal loan account opened at XXXX XXXX on XX/XX/XXXX, a XXXX XXXX XXXX on XX/XX/XXXX. XXXX XXXX XXXX XXXX and all addresses that are inaccurate. that appears related to the aforementioned hard inquiries account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX and XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC report. aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) block all of the accounts, collections, and hard inquiries identified in this CFPB complaint from my consumer credit file within XXXX business days of receiving said complaint. I request that all written confirmation regarding this CFPB complaint be sent to me via email to the email address XXXX.
Product: Money transfer, virtual currency, or money service

My account has been permanent limited, i dont know what happend. 

I never been involve in any dispute or fraud activity. 

I wish to get help is anybody will able to help me fix any issue XXXX Please help me