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

Ive been unable to receive my free annual credit report from Transunion and XXXX for the past two days ( XX/XX/XXXX-XX/XX/XXXX). When ordering online through XXXX or the company Web sites, each attempt returns an error message stating technical difficulties ( Transunion ) or the site can not be reached ( XXXX ). Also, neither company seems to provide a contact phone number for customer service or technical support on its Web site. The inability of customers like me to receive our credit reports, as allowed by law, in a timely way, combined with the lack of timely customer service on the part of these companies, is unacceptable. It is especially so, given the recent XXXX data breach and the subsequent need for consumers to act now to protect their identities, including by reviewing their credit reports.
Product: Debt collection

I am XXXX XXXX, and Im submitting this complaint myself there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. I never had a contractual relationship with NATIONAL CREDIT SYSTEMS company I believe the original creditor XXXX XXXX XXXX XXXX XXXX XXXX  sold my account without proper notification. This is clearly violation according to FCRA 611 on reporting inaccurate on my credit report. Please delete this account immediately because you are reporting inaccurately.
Product: Mortgage

I made my XXXX 2017 mortgage payment at a local us bank branch here in XXXX on XXXX and XXXX around the XX/XX/XXXX of the month, then 2 or 3 weeks later I check with my bank to see if the funds was deducted out of my checking account, and it was not. So I called both the XXXX branch and home mortgage office to see if they had a record of my payment, and there was no such record. So to keep it off my credit report for a late payment history, I made a over the phone mortgage payment that cost XXXX. Then 1 or 2 days later us bank tried to process the original the check which cause overdraft fees of XXXX dollars plus the XXXX fee. I think its strange they could find my check after my calling them I am retired with a modest pension and I do not appreciate this treatment. So I would like to receive the most I can legally get for this irresponsible conduct from us bank ... ..I will include my lawyer letter to us bank and my copies of my bank overdraft fees, the original check ... thank you ..
Product: Money transfer, virtual currency, or money service

Ive had a couple issues of XXXX  these issues was XXXX I had someone come purchase a box of XXXX decorations for {$45.00} in XXXX of 2023 the transactions was paid via XXXX I got the text messages stating I received the Money moments later. After this transition I log into, my account and see that the money was pending and the following day it show that the money was ether canceled or re tracked so I never received my money. 


Chase was not able to help with this. 


Anything instant was me acctidently sending {$100.00} to a number that I accidentally typed one number wrong or off and when I contacted the bank I was not able to retrieve it
Product: Mortgage

XX/XX/2022 we received the last quarterly bill for our building. I promptly forwarded to the escrow company that bill with our deed that explained that we owe 33.33 % as we are one of three units in the building. This brings a total owed by us to {$1100.00} for Unit 1 by XXXX. 

The mortgage company did not respond and did not paid the bill, when contacted they just said that they were looking into it. The city has repeatedly told the escrow company that the split will happen in XXXX and to just pay a third of what is owed according to the deed. 

I've contacted the escrow company multiple times and no response has been received from them. We have now ( XXXX ) received a late bill from the city with interest for the unpaid balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a consumer by law and this is not sent in error. my credit report is reporting misleading false information that is causing financial stress on my life. These items are being reported without my consent.
Product: Mortgage

XXXX XXXX and M & T Bank, in collaboration, has provided false inaccurate fraudulent mortgage accounts activities, under my identity that is unlawful and untrue. 
These mortgage entities have claimed that the property located at XXXX XXXX XXXX in XXXX Texas XXXX, was used as collateral on the property located at XXXX XXXX XXXX in XXXX Texas XXXX. 
This is incorrect and not true. 
The property located at XXXX XXXX XXXX XXXX Texas XXXX, was purchased in XXXX and the loan servicer was XXXX XXXX 
XXXX XXXX  purchased the loan from XXXX XXXX  on XX/XX/XXXX in XXXX of XXXX a loan was established under my identity in the amount of {$80000.00} under the XXXX XXXX XXXX services. The collateral property proclaimed to be on XXXX XXXX was used to secure a property in XXXX. 
This is fraudulently without my knowledge or authorizing M & T. Bank claims entitlements that are inaccurate and not identifiable by the XXXX XXXX XXXX XXXX. 
The property on XXXX XXXX was not used in XXXX to secure a loan in XXXX. 
This is absurd and the original documents to the properties involved held by the veterans loan guarantee program do not reflect these allegations.
Product: Credit reporting or other personal consumer reports

Attention : XXXX XXXX, I recently obtained a copy of my credit report from your service and have found the following items to be in error. I have provided documentation as evidence that the items in question are inaccurate and need to be deleted from my credit report. 

The accounts below are more than 7 years old and should be deleted. 

XXXX Reported : XXXX. XXXX, 2024 {$1600.00} Needs Attention XXXX Reported : XXXX XXXX, 2024 {$3100.00} Closed
Product: Debt collection

Estate Information Services XXXX is a debt collector but makes it appear that they are assisting people with probate. They are not a law firm. They are in Ohio, my client who received a notice from them is in Texas. Nothing indicates they are attempting to collect a debt until you call them. This is outrageous and fraud. The letters they send say they can help you with probate, but the purpose is subterfuge to get information on the recipient 's decedent and on the executor.
Product: Credit reporting or other personal consumer reports

This is my another Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXXXXXX 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 XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute the inaccurate reporting of a late payment on my credit file associated with XXXX XXXX XXXX account number XXXX. This is a formal demand for immediate correction under 15 U.S.C. 1666b and the CARES Act ( Coronavirus Aid, Relief, and Economic Security Act ).

According to 15 U.S.C. 1666b, creditors are required to promptly credit payments to consumer accounts as of the date they are received, provided the payment instructions are reasonable and clearly stated. I submitted my payment on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX following all designated instructions and all these payments were on autopay. Any claim that my payment was late is both inaccurate and in violation of federal law. 



Furthermore, under the CARES Act, creditors were required to offer payment accommodations to consumers impacted by COVID-19. These accommodations included protections to ensure that accounts in good standing were not reported negatively if payment arrangements were made. I took proactive steps during the COVID-19 pandemic to maintain my account in good standing, and this inaccurate reporting contradicts the legal protections afforded to consumers under this law. 



As a result of your unlawful reporting, my credit profile has been unfairly damaged, potentially impacting my financial opportunities. Therefore, I am seeking monetary compensation for each inaccurate late payment reported on my credit file. This includes damages for the harm caused to my creditworthiness, emotional distress, and the time spent correcting this matter. 



I demand that this incorrect late payment be immediately removed from my credit report and that my account reflects the accurate payment history I have maintained. I also expect a written statement confirming the steps you are taking to resolve this issue, along with a reasonable monetary settlement for the damages caused. 



If I do not receive a satisfactory response within 14 days, I will file complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and pursue legal action to seek full compensation for the harm caused. 



This matter requires your immediate attention. I strongly advise you to address this issue promptly to avoid further escalation.
Product: Credit reporting or other personal consumer reports

To whom it may concern : I sent a request for investigation under FCRA 611 ( a ) to Experian, XXXX, XXXX. The letter was sent in reference to the following accounts 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. I am curious as to how you verified this information and would like to receive physical documentation to support this erroneous information on my report.FCRA states information reporting has to be 100 % verifiable and 100 % accurate otherwise the information must be removed under federal law. EXPERIAN, XXXX, XXXX has been reporting unverifiable and inaccurate information on my credit report which has damaged my credit. I am litigating this information due to it not being DELETED from my credit report. I have asked to not update or verify this information without doing a due diligence investigation. I have requested to be provided with a written contract with my WET SIGNATURE and physical documentation to support the information that is being reported and they have failed to do so. I have also requested not to receive a template letter in response to my previous requests due to me planning my legal case and that i needed SPECIFIC answers to the specific questions I have asked and i have not been supplied with that information. I have supplied my identity theft report, drivers license, utility bill to the bureaus regarding these accounts that are not mine.XXXX XXXX  EXPERIAN have not supplied me with valid proof and they are still reporting fraudulent accounts after I have sent the proper information in if these accounts arent deleted IMMEDIATELY I will be moving forward with litigation.May i remind you that XXXX has been fined for improper investigations of credit reporting.By putting previously deleted errors back on credit reports and failing to block identity theft related information. may I also remind you Experian is currently being sued due to sham investigations and inaccurate information being reported and they are in violation of the FCRA, 15 U.S.C 1681i ( a ) ( 2 ) ( A ), 15 U.S.C 1681i ( a ) ( 5 ) ( A ), 15 U.S.C 1681i ( a ) ( 5 ) ( B ), ( C ). I would also like to remind you of XXXX XXXX Experian Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

This debt was created in XXXX and I filed bankruptcy in XXXX. This debt was included in the bankruptcy and should no longer be in my report. They have created a new debt on my account as of last month. 

I am 18 days away from closing and this is my only collection on my credit. Which is false. Please help me fix this off of my credit so that it does not affect my mortgage.
Product: Debt collection

Everytime they call I ask for an hardship letter an the representative always rude and I'm an elderly lady with XXXX.
Product: Credit card

Synchrony credit card is charging late fee equal to the cost of the minimum payment. 
I have screenshots of this. 
I have had my fee waived but if this isnt illegal this an unethical practice.
Product: Checking or savings account

Hello! 

A few days ago Robinhood account # XXXX, on XX/XX/XXXX, transferred XXXX and XXXX cents into my XXXX Bank checking account, and then 2 business days ago, Robinhood pulled {$.00} and {$14000.00} out of my checking account. I've never had any relationship with Robinhood. This is pure fraud.

Now I'm getting the run-around from everyone.

Please help stop this issue! 

Thanks! 
XXXX
Product: Debt collection

I sent a letter of convergent asking for : 1. Validation of the debt-that is, the actual accounting. 

2. Verification of a signed invoice.

3. A copy of the Contract binding both parties ( you and them ), in a letter by certified mail so that there is an independent witness to it having been delivered.

However, according to 15 USC 1692 ( E ), 15 USC 1692 ( D ), AND 15 USC 1692 ( B ) Not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication of a debt.

A loan agreement is a contract and so there has to be full disclosure of all the details ( which there wasnt, both sides have to put up something of equal worth ( which didnt happen ), the contract has to be signed is wet ink by both parties.

Contract : a written or spoken agreement, especially one concerning employment, sales, or tenancy, that is intended to be enforceable by law.

" both parties must sign employment contracts '' A statement is not an Invoice so would you please provide a signed Invoice as requested.

A loan application does not constitute a Contract as it only signed by one party and I asked for a copy signed by both.

Once again, I am demanding the requested documents to be sent to me within the next 14 to 28 days and if this does not happen than I will consider the debt to be fully discharged and for my property returned to me.

Kind regards,
Product: Credit reporting or other personal consumer reports

I am requesting that these unauthorized inquiries be removed from my credit report
Product: Credit reporting or other personal consumer reports

I am filing a complaint regarding Equifaxs failure to update inaccurate information on my credit report, in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 

XXXX  XXXX XXXX provided both Equifax and me with written documentation with case number XXXX confirming that the charge-off status for my account was inaccurate and has been removed. Despite this, Equifax has failed to correct the reporting, and the account continues to show a Charge-Off status.

Under the FCRA : 1. 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) Credit reporting agencies are required to conduct a reasonable investigation when a consumer disputes inaccurate information. Equifax did not properly investigate or update the account despite receiving valid documentation from the original creditor. 
2. 15 U.S.C. 1681e ( b ) Credit reporting agencies must follow reasonable procedures to ensure the accuracy of information reported. Equifaxs continued reporting of a charge-off status, despite verifiable evidence of its removal, indicates non-compliance with this requirement. 
3. 15 U.S.C. 1681s-2 ( a ) ( 2 ) Furnishers of information, such as XXXX  XXXX XXXXXXXX , must correct and update information provided to credit reporting agencies. XXXX  XXXX XXXX fulfilled this obligation by sending Equifax the corrected information, but Equifax failed to update its records accordingly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report in Identity IQ and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, Equifax, XXXX and XXXX have not answered my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete its investigation within 30 days. Please check the payment history, date open, last activity, and Status of these accounts listed below. I believe it was reported in error. 
XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00}
Product: Credit card or prepaid card

I made a payment ( with consent of my spouse ) of {$1000.00} on XX/XX/2021 as per the XXXX XXXX generated by US Bank. The checking account used for making the payment is in my Spouse 's name. XXXX allowed me to payment without prompting any warning and/or error during the payment process. Also, system allowed me to add my spouse 's account as External account for making payment. 

All of a sudden now, US Bank decided to close my account and forfeit all the Rewards due ( {$500.00} promotional offer after spending {$3000.00} in 90 days ) since only cardholder 's checking account can be used as per Authentication department of US Bank. 

This is not acceptable - my spouse is not contesting the payment then why US Bank is having an issue. I use my spouse 's account for making payment for my other credit card like XXXX- they never raise an issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

My mom informed me that I received a letter in the mail from where I used to live stating that I owed a debt of child support. I have never been put on child support. I did a little investigating and I was told that someone has given my name and social security number to claim money every month. They have the wrong person. I decided to pull my credit report and it showed the exact same thing and several other accounts that had been opened under my name. These are unknown suspicious items I have never seen in my life. Please remove these fraudulent items from my credit report. PRO COLLECT XXXX {$1200.00} XXXX XXXX XXXX XXXX {$430.00} XXXX XXXX XXXX  XXXX {$22000.00} XXXX XXXX {$4900.00} XXXX XXXX OH XXXX {$1000.00} XXXX XXXX  XXXX {$460.00} XXXX XXXX XXXX XXXX   XXXX {$97.00} XXXX XXXX XXXX XXXX {$4000.00}
Product: Credit card or prepaid card

Citi continued to represent a payment after I had already paid off my entire balance, causing three separate insufficient funds fees from my bank, totalling {$100.00}, as well as a {$25.00} late payment fee from Citi -- despite already having a credit balance from paying more than my entire balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

My current XXXX credit report shows unauthorized and unrecognized inquiries from loanme/XXXX/XXXX. The inquiry was made on XX/XX/2020. I have sent written request with delivery confirmation on XX/XX/2020, requesting that this inquiry be removed immediately. It has not been removed as of today XX/XX/2020. This unauthorized/unrecognized inquiry is having a negative impact on my credit score/report and has already been cited as a reason why I have been denied credit.
Product: Credit reporting

I have a  XXXX   XXXX   XXXX  credit card that was being reported to all 3 credit bureaus since its opening in   XXXX  , suddenly my positive credit card payments and account were removed from Equifax about 8 months ago. Nothing is reflecting on my Equifax credit report but is showing up on  XXXX  and  XXXX .I have contacted   XXXX   (  XXXX   XXXX   XXXX  and Equifax numerous time and the credit card assures me they are reporting correctly However equifax is saying that since they do not see the account then there is nothing to dispute and everytime I call they are not understanding that I am asking them to update and add my account back as my  XXXX   XXXX  is even asking them to do.   I have a valid, pays as agreed account that the credit card issuer says should be reported to Equifax as it being done with the other two bureaus and Equifax is refusing to do so, even with submitted written documentation ; no one ever authorized any change.   I need help badly with getting Equifax to understand.
Product: Money transfer, virtual currency, or money service

I am writing to share my serious concerns regarding Zelles dispute resolution practices, particularly in light of the recent CFPB lawsuit that brought to light significant deficiencies within the platform. Over time, I have used Zelle regularly and have encountered discrepancies that I reported in good faith, expecting a thorough review. However, both Zelle and my financial institution failed to adequately investigate my claims. Instead, I was informed that recovering the lost funds was impossible and that tracking the transactions was not feasible, leaving me without any resolution.

The CFPBs findings highlight systemic issues with Zelles operations, including a troubling lack of consumer protection. These shortcomings have allowed repeat offenders to exploit the platform, preying on unsuspecting users without consequence. This failure to address fraudulent activity not only erodes trust but also leaves consumers like myself vulnerable to scams, with little recourse for recovery. It is deeply concerning that a platform of this scale has not implemented more robust measures to ensure user safety and accountability.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, I try to access a free credit report through this website that advertise that I would be able to obtain my credit score without any cost : XXXX I feel that the credit reporting agencies deceive the user in that once you submit your information and then click to see the credit score Im prompted by their system in that I must pay in order to purchase my free report? I feel this is very unfair and is deceiving. 

Furthermore, the site is so complex and unclear that it is not possible to view the simple task of showing the credit score. 

Thank you for your help! 

XXXX XXXX
Product: Vehicle loan or lease

They put a late on my credit for my car that the payment for XX/XX/19 that was paid in full before the payment was due. They also had auto payment setup on account anyway never should have been late because if there was an amount past due they should have auto taking the ACH. I am trying to close on my home and this is an issue.