23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Account # 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 an account without my written instructions. 

XXXX XXXX XXXX # XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX & XXXX # XXXX XX/XX/XXXX # XXXX These accounts have violated my rights to privacy.
Product: Checking or savings account

My cash app account I had for over 4 years using it for bill paying and also getting my alimony payments every week they gave me no notice or sent any correspondence warning me if this ..also my account was hacked into many many times and money stolen out my account and a lot of the stolen transactions were not returned to my account by cash app! They claim to be safe and not at risk for these type of incidents but they happen way to much! I I was never given a reason of why this happened they allow me to use another account restricted though I can revive deposits but cant use a card associated with the new account its very upsetting ..every representative gives the same answer they cant disclose information on why the first account was closed out!
Product: Credit reporting, credit repair services, or other personal consumer reports

The following account currently listed and showing on my Experian and XXXX credit report is lost/stolen : XXXX XXXX XXXX : XXXX, and the transactions from XX/XX/2023 to XX/XX/2023 for {$260.00} are unauthorized and fraudulent transactions that are not my transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Receivables Performance Management is reporting a collection account to XXXX & XXXX. I have disputed the information with these companies over 30 days ago and I have not received any correspondence from them. The account in question is below : Creditor : RECEIVABLES PERFORMANCE ( Original Creditor : XXXX ) Balance : XXXX Account : XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX Experian Dispute Department po XXXX XXXX XXXX, TX XXXX Subject : Formal Dispute of Inaccurate Information Under the Fair Credit Reporting Act ( FCRA ) Dear Experian, I am writing to dispute inaccurate information reported on my credit report concerning an account with XXXX Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., I have the right to dispute information that is incomplete, inaccurate, or unverifiable. The account details in question are as follows : - Creditor Name XXXX XXXX - Account Number : - Nature of Dispute : Inconsistent and inaccurate reporting of account details, payment history, and status. 

Specific Discrepancies : 1. Payment History Accuracy : - My payment history reflects 93 % of payments made on time, yet the report also indicates a " Not Current '' status in certain months. This inconsistency does not align with the record of my payments, which show no amounts past due as of XX/XX/2024, with the status listed as " XXXX ''. 

2. Account Status Misclassification : - The account is inaccurately classified as an Open Charge Account while no past due amounts ( {$0.00} ) are reported. This designation is misleading and could negatively impact my credit score. 

3. Utilization Report Error : - While my credit utilization is noted as 63 %, the report inconsistently lists the credit limit twice as {$2900.00}, which creates ambiguity. The reported balance of {$1800.00} should reflect correctly based on my payments Applicable Consumer Protections : Under the FCRA : - 15 U.S.C. 1681e ( b ) : Credit reporting agencies must maintain maximum possible accuracy in their reports. These inaccuracies violate this requirement.

- 5 U.S.C. 1681i ( a ) : I am entitled to a thorough reinvestigation of disputed information within 30 days.

- 15 U.S.C. 1681i ( a ) ( 5 ) : If the information can not be verified, it must be corrected or removed promptly.

Requested Actions : 1. Investigate and verify the account information, including payment history, account status, and credit utilization.

2. Correct any inaccuracies or inconsistencies in the report.

3. Provide me with written confirmation of your findings and a corrected credit report.

If the information can not be verified, I request its immediate deletion from my report. Failure to address this dispute adequately may result in further action, including complaints to the Consumer Financial Protection Bureau ( CFPB ) or seeking legal remedies.

I look forward to your written response and resolution within the legally required timeframe. 

Sincerely, XXXX XXXX
Product: Debt collection

I took a XXXX XXXX at my XXXX 's office on XX/XX/2017. The charges for the XXXX  XXXX procedure were submitted to and covered by my XXXX XXXX XXXX XXXX XXXX XXXX medical insurance. I received a copy of the Explanation of Benefits provided by XXXX/XXXX  to cover the cost of the procedure. The XXXX XXXX XXXX provider of the service was a XXXX XXXX/XXXX  XXXX " preferred provider '' and, as such, was required to accept the amount indicated by XXXX as payment in full for the services rendered. XXXX XXXX and XXXX XXXX paid their portion and I paid the patient portion in full. The doctor 's office has attempted to collect an additional {$790.00} from me that I do not owe. I have received numerous calls and letters from them, their internal collections department and an outside collections agency. Each time, I have submitted letters disputing the validity of this debt and provided them with copies of my XXXX XXXX XXXX Explanation of Benefits, which clearly states that I am not responsible for any additional amounts. This have been going on for nearly two years and I am suffering a great deal of stress and anxiety because of the ongoing dispute.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Experian regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX Nature of Complaint : I submitted a dispute to Experian disputing a late payment reported by XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment Within Grace Period : The payment reported as late for XX/XX/XXXX was actually made within the 15-day grace period allowed by my creditor and should not have been recorded as a late payment. 
Misapplication of Funds : There was an error in how my payment was processed, resulting in an incorrect report of a late payment. The payment was sent and processed on time but was not correctly applied to my account by XXXX. 
I provided substantial evidence in my dispute, including bank statements and payment confirmations showing that the payment was made on time and within the contractual grace period. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Experian has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report.

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX
Product: Checking or savings account

Based on the Citi New checking account target promo details, deposit {$15000.00} and maintain 60 days will receive {$500.00} bonus in 60 days. I have completed the deposit on XXXX and and maintained at least 70 days. So far still do not receive the bonus from Citi. 
I received the personal invitation code XXXX from the bank and did what they requested, they should credit the {$500.00} right away
Product: Debt collection

AS A CONSUMER I AM SUBMITTING THIS REPORT TODAY. THE CREDIT REPORTING AGENCIES XXXX, XXXX, EXPERIAN, XXXX, XXXX, XXXX, XXXX AND XXXX HAVE VIOLATED 18 USC 1028A, WHICH PROHIBITS AGGRAVATED IDENTITY THEFT. THIS VIOLATION OCCURED WHEN THESE ENTITIES FURNISED INFORMATION WITHOUT MY CONSENT. INCLUDING THE FOLLOWING ACCOUNTS XXXX XXXX ON MY CONSUMER REPORT. ADDITIONALLY, THEY HAVE CONTRAVENED 15 USC 1681B, which outlines the permissible purpose of consumer reports. I have requested Form SSA-89 from XXXX WHICH IS A FORM THAT SHOULD BE FILLED OUT, THEN SIGNED BY THE CONSUMER ( MYSELF ) AS PROOF OF APPLYING FOR THE SAID CREDIT. THE CREDITOR THEMSELVES DO NOT HAVE SUCH DOCUMENTATION AS THS, WHICH MEANS THEY HAVE FAILED T DO THEIR JOB AS A RESPONSIBLE CREDITOR AND KEEP SUCH FILES IN THEIR RECORDS FOR THESE REASONS, SO THAT IF IT IS REQUESTED WE WILL KNOW WHO, WHAT WHDEN AND WHERE TO PROCEED ON SAID CASES AS THIS IN THE EVENT OR FRAUD AND IT IS DEEMED AS SO MY PRIVACY HAS BEEN VIOLATED AS WELL XXXX!!!! IAM NOW TRYNG TO PURCHASE A HOME AND THIS IS THE ONLY ITEM NEGATIVELY AFFECTING MY CREDIT IN THIS CASE. PLEASE REMOVE IN THE 1-4 BUSINESS DAYS AS THE DISPUTING TIMEFRAME HAS BEEN ELAPSED AND THE SAID FORM NOT RECEIVED. THANK YOU FOR YOUR PROMPTNESS.
Product: Vehicle loan or lease

In 2015 XXXX XXXX who is now deceased and can not face charges stole my identity and my daughters identity XXXX XXXX. He and his daughter pretended to be us and open this car loan with Credit Acceptance XXXX, he tried to open it in just my name until he realized I didnt have a drivers license and I dont drive so he took my daughters information. We lived in a family house at the time and he had access to search and get what he needed to do this when we were gone. Im tired of fighting this. XXXX XXXX is tired of fighting this. She reached out to his wife and she told the truth and made a complaint but Credit Acceptance pretended like they didnt know what she was referring to when she put the account number she was referring to in the report. These people have our names on this signed by someone else and just holding us responsible for something we had nothing to do with. Remove this fraudulent account from our credit report. XXXX XXXX is deceased and not able to deal with consequences of this. He wrote a letter or had his daughter write a letter pretending to be my child. How can you prove thats my child, its a letter that could have been written by anyone. She did not write it. We have no liability for this account and tired of trying to take it on. Credit Acceptance is a money hungry company and dont care who they hurt. When we are explaining to them how this happened and we did not do this because XXXX XXXX signed our names on it its automatically us. No show me us in there signing it. You cant because we were not there. Delete this account from my credit report report and XXXX XXXX credit report immediately. If I had a driver license I would not do business with a company like this.
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX, am writing to inform you that I am a victim of a data breach or fraudulent information, as per the provisions outlined in FCRA Sections 605B, 615 ( f ), and 623 ( a ) ( 6 ). This letter serves as a formal request for the permanent removal of fraudulent information resulting from unauthorized items, incorrect addresses, and inaccurate names appearing on my credit report. 
XXXX. This inquiry was made without my consent XXXX Date of inquiry : XX/XX/2022 Please remove this inaccurate information from my credit report. 

XXXX. Reported without valid Evidence XXXX XXXXXXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

XXXX. Reported without valid Evidence XXXX XXXX Account XXXX : XXXX Please remove this inaccurate information from my credit report. 

I have reported this incident to the Federal Trade Commission and have attached a copy of the filed complaint to this letter. 
Enclosed, you will find a copy of the relevant FCRA sections, particularly FCRA 605B ( 15 U.S.C.

1681c-2 ), emphasizing the immediate removal of information identified by the consumer as fraudulent, not later than 5 business days from the receipt of such notice.

Moreover, under 15 U.S. Code 1692e ( False or Misleading Representations ), I request that XXXX notate these disputed items as " in dispute '' or " consumer disagrees '' within 30 days. 

Please see the attached file.
Product: Credit reporting or other personal consumer reports

I have a fraudulent account on my credit report, which I reported to XXXXXXXX XXXX, yet XXXXXXXX XXXX is not removing this fraudulent account. XXXXXXXX XXXX has no right to refuse to remove this fraudulent account because I am a victim of identity theft and I have filed a valid police report. According to FCRA 605B ( 15 U.S.C. 1681C-2 ) consumer reporting agencies and creditor shall block the reporting of any information resulting from identity theft no later than 4 business days after date of receipt, yet XXXX XXXX has refused to do this. The following is the fraudulent account : XXXXXXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Numerous credit card denials on my credit report in which XXXX XXXX stated that I had good approval odds.
Product: Credit reporting, credit repair services, or other personal consumer reports

Never provided debt validation ( Duplicate bills ) for multiple accounts disputed with bureaus a few times listed on my credit report in full detail of medical services with 30 days. Never contacted or correspondence received.
Product: Credit reporting or other personal consumer reports

I hired a contractor ( XXXX XXXXXXXX XXXX XXXXXXXX ) to do some maintenance on a furnace that they did not complete or provide me the serial number of the product that the contractor stated was installed. Due to their failed three attempts to correct the issue they offered to give me a credit of {$75.00} off the {$600.00} bill. I told them to supply me with the serial number for warranty purposes which they could not. There was no application for credit requested or signature for completed work. The contractor, without a court order, sent me to collections with National Account Systems which is unwarranted since this is a contractor dispute, not a credit issue. I contacted National Account Systems to inform them of the incorrect filing and they would not remove the error from my credit report.
Product: Credit card or prepaid card

In the beginning of XXXX over a three month period my American Express was charged {$2900.00} total in many many XXXX charges that were not mine. I have sent over the 49 page dispute to American Express 3  times and they finally confirmed receipt of it. This has been going on for one year and nine months now. I was only given credit of approx. {$400.00} of the total of {$2900.00}. I have called American Express an additional nine times over the last year and have been told every time its still in process and will be resolved shortly. In the start of this in XXXX XXXX I was told it would take a few months. After 5 months I was told it would take a couple more months. After calling nine times, the last 6 calls I was told they would call me back within 48 hours after the look into it and see why I had still not received the credit. I NEVER have received a call back. I had to pay the full {$2900.00} as this is a platinum American Express and is due in full every month, there are no partial payments. Thank you.
Product: Credit reporting or other personal consumer reports

Mailed letters on XX/XX/2024 to dispute inaccuracies on my account and each time I was mailed a stall letter saying they fell someone else as sent my information. This is a direct violation of the FCRA. Additionally there is NO law that states a consumer can not use a third party, so using that as your excuse is a irrelevant. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful. I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to insure the accuracy of my credit reports and now you are stalling the process even further. I realize disputes can be expensive and it is your job to stall them, but you do so at great risk. Please take notice that this complaint is a formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within XXXX  days. I therefore legally and lawfully refuse your " form letter '' thus giving you only XXXX  days not XXXX more. I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request immediately.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent cfpb lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The cfpbs findings indicate that zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Money transfer, virtual currency, or money service

over a week ago I tried to Cash out money to my bank account. Cash App said it takes 5 business days. After the fifth business days I asked if they can retract my money and out the money back in my Cash App. They said that takes 3 business days and it's been longer than that. The money still isn't in my account. The process shouldn't take that long and the money should be back ony Cash app
Product: Credit reporting, credit repair services, or other personal consumer reports

I have asked Experian to remove the incorrect public record listed on my credit file and they 've yet to provide me with adequate validation of this filing listed against me. 

I am asking that Experian follow suit and delete this public record from my credit file, as another credit reporting agency, XXXX, has found that this information was indeed inaccurate and has since removed the delinquency from my file with them. 

I have proof to submit showing that XXXX has found a discrepancy in this delinquency and has no longer reported this bankruptcy on my credit file with their company. I am asking that Experian either submit proof of their VALIDATION ( not verification ) of this bankruptcy or remove it from my credit file as it has caused me extreme emotional and financial distress.
Product: Mortgage

My complaint is in regards to Citi Mortgage. I missed a mortgage payment in XXXX XXXX. I was struggling at the time. I asked XXXX XXXX if I could have that missed payment deferred to the end of the loan. Citi Mortgages response was " That 's not an option with the type of loan you have ''. I have a VHA loan. I have not missed a mortgage payment since XXXX. I have paid my payments consecutively. I have bank statements as proof. My husband and I have both become XXXX several years later after purchasing the home. We both receive XXXX benefits. I have tried to talk with them and they beat around the bush about everything. They claimed my only option was to refinance for 30 more years. Which is absurd. I mean who would do that after paying so long on a home. The other option was loan modification. They sent a book of papers to fill out. I can never reach my assigned representative whom is XXXX XXXX. My chief compliant is they are misapplying my funds to so called late fees, inspection, and appraisal fees. Nobody has been in my home to appraise it. When I call to pay my mortgage payment each month, they ask what would I like the funds applied to and I say my regular monthly mortgage payment. Now I receive a statement saying I am four months behind on my mortgage. When I call to ask Citi Mortgage why my statement reflects this, they say " Oh that XXXX XXXX XXXX  XXXX dollars was applied to late fees, inspection fees, and appraisal fees. '' Nobody has been in my home to appraise it. They have very unprofessional agents drive up to your home and take pictures of the exterior of the home, your mailbox, vehicles, and you may even be in the picture. They say they do this to see if anyone is occupying the dwelling. I find this a weird practice. The agents are dressed in tattered clothing with no name badge to identify whom they are. This is very unprofessional and one time the man they sent out came to my door in tattered clothing and jiggled my door and I thought it was a burglar. I just received a XXXX XXXX dollars check from them due to them exercising improper practices. I feel Citi Mortgage is a fraudulent practice. I asked them to send my original tool to show me where I agreed to their terms. I did not sign papers with them. My original loan was through XXXX bank and they have dissolved. Citi Mortgage bought our loan. Is XXXX even legal? I have read it is n't. I want to get to the bottom of this. I feel Citi Mortgage is fraudulent and their practices are appalling. I have n't made a payment yet this month because I want to know why they are misaplpying my funds. They have sent me a foreclosure notice that within 14 days they will pursue foreclosure. I want to pay my payments and they be applied to my monthly regular payment.
Product: Checking or savings account

Someone connected or allegedly connected with Mr Cooper. A representative I had spoken with had accessed to my account and taken the money with out permission for their personal use. The amount was supposed to be {$1600.00}, for XXXX payments of {$800.00} to catch up for XXXX months payment. It was during the Covid pandemic and the employee was working from home. The bank notified me that XXXX XXXX dollars was being charged to my account in which I did not have and was very helpful to me. I was told by the bank to notify Mr Cooper about this error. I notified Mr Cooper representative and told them what happened and of course I was speaking to a different representative they apologized and said the error would be corrected. A week later the bank notified me Mr Cooper repeated the same transaction to draft XXXX XXXX dollars out of my account at the point I did not know who I was dealing with.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is attempting to collect a debt from apaypal account from XXXX. The account indicates XXXX due. At the time this occured it was erroneuos charge through paypal using my credit card. The amount was used to purchase a laptop. I ws alerted from paypal at the time and was informed the charge was reversed. In approximately XXXX of XXXX I received notification of the amount going to collection. When the erroneous charge took place through paypal I had my bank account also linked to the account. I was advised to close my bank account and the paypal account. I have never heard fro paypal for 6 years until the alleged account was sold to XXXX XX/XX/XXXX I contacted them multiple of times including a notarized affidavit and the charge still shows up on my credit report.