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

My accounts on the following companies were never late! I have had exceptional payment history witH XXXX XXXXXXXX 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 payment reported in ( MONTHS REPORTING LATE ) 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.

They have 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: Money transfer, virtual currency, or money service

I am writing regarding the inadequate fraud protection and dispute resolution process at Zelle. My personal experience aligns with the issues identified in the Consumer Financial Protection Bureau 's recent lawsuit against the platform. After reporting multiple unauthorized transactions, both my financial institution and Zelle dismissed my claims without proper investigation, claiming they could neither recover funds nor track transactions. The CFPB 's investigation has revealed a pattern of systemic failures in Zelle 's fraud prevention measures, particularly their inability to stop scammers from repeatedly targeting users. This deliberate neglect of consumer protection responsibilities has created an environment where fraudulent activities persist. The platform 's refusal to implement adequate safety measures and maintain proper oversight demonstrates disregard for user security and financial security.
Product: Debt collection

In my review of my credit report on XX/XX/2018. WAYPOINT RESOURCE GROUP is reporting a collection debt account number XXXX to the credit reporting agency. 
I have no knowledge of this collection debt and this negative account has affected my ability to obtain credit. It is a violation of FCRA to report any collection debt to credit reporting agency in attempts to collect a debt without notifying the consumer.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 



XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Since XXXX of 2018 I have been locked out of my Chase Account. Chase refused to fix the issue and I have spent hours on the phone with them. They are illegally blocking me from my account to charge late fees and raise my interest rate. They have reported to the credit bureau one time and the supervisor said that they do not have anything to do with the credit bureau. I still can not gain access to the account and they there automatic system is always down. I see that there are similar cases reported online. These practices are unethical and a way for Chase to gain money.
Product: Vehicle loan or lease

On XX/XX/XXXX-2017 I, a XXXX US citizen, attempted to take an auto loan through Ally Bank, using my husband, who is a XXXX XXXX XXXX, as my co-signer. I was approved, but d/t my prior bankruptcy my APR was high, but by combining my income with my husbands, I would be able to get a much more favorable APR. The dealership first said that Ally bank was requiring to see a copy of my husbands Social Security card, which I reluctantly submitted, confused because I was not required to submit mine. After that, the dealer then said Ally Bank was requiring my husband to submit his visa and work authorization card. Again, I hesitated, but sent a copy of his XXXX XXXX over. At this point I was getting angry, because in all my life I had never been required to submit my social security card for loan application. The dealer then said Ally bank was not going to accept the XXXX XXXX, and that the work authorization and visa was required.. Although we explained several times, that being a XXXX XXXX XXXX makes those other documents unnecessary. We refused to give any more info at that point, and were subsequently denied. My husband lives, works, pays taxes, and we raise our family here, just like everyone else. My understanding of the law is that its discrimination to demand certain documents from a person who is a minority, but not demand the same from a XXXX who is applying for the exact same thing. It was a degrading and humiliating experience, and I was sure in the moment that there must be a law preventing such treatment.
Product: Mortgage

The defrost mechanism in our refrigerator broke and water was leaking under it without our knowledge. This caused substantial damage to our bamboo flooring. A flooring contractor informed me that we had water damage, but stated he could refinish the floor. After initiating a claim, the mitigation company contracted by our insurance company determined the floors could not, in fact, be refinished. As a result, we had our kitchen floor and a large portion of the adjacent wall ripped out. We have now lived like that for 2 months while we waited for our insurance company to determine an " appropriate '' value for floor replacement. Finally, they informed us that they would be issuing us a check that would allow us to move forward with our renovations. I have since learned that it is fairly standard for insurance companies to require checks larger than {$10000.00} be managed by the property lien holder ( mortgage company ). What is NOT standard is the ridiculous amount of hoops that our mortgage company, SWBC, is asking from us. We must not only send them a XXXX with a signed contract from any contractor working on projects, but continuous itemized receipts to receive any money. Are they planning on paying the interest on the credit card I will be forced to use to buy flooring? I am so confused and wondering why they are micromanaging our project? I do realize that they have a vested interest in the integrity of our home, but I would like to manage the finances of this project on my own? So, if I am able to find flooring and a contractor to do the work for less then the amount of money placed in escrow, where does the remainder of the money go?? Do they keep it, send it back to XXXX? This has been such a disaster. I have spoken to many persons with similar claim amounts wherein their lender simply required them to sign a waiver showing intention to complete repair work. 
I have since been on the XXXX site where I discovered multiple complaints on the same issue of prompt insurance check payments from SWBC. They complained of waits upwards of 2 months! I simply can not have holes in our kitchen for another 2 months while I wait to be repaid for repairs? Is the escrow check interest earning? Is SWBC really paying to employ persons to manage this? This seems like an unbelievable waste of resources. I am so regretting using this lender, and we will immediately refinance after this debacle ends, but for now ... our insurance claim money is being held hostage?? I never knew this was legal. : (
Product: Credit card

Dear XXXX, There is a Financial Institution Elan Financial Services at XXXX provides Credit Card service to XXXX customers XXXX 
This institution is running illegal business in USA. 
I have transferred $ XXXX on XX/XX/2024 to Elan Financial Services from another high interest credit card, Elan Financial did not apply that money into my account, instead they kept for a month in high interest market then they said they returned to the initiator. 
After more than a month they have no clue where $ XXXX went to, no tracking information. 
As my high interest credit card started charging daily interest, I stated calling Elan Financial Services XXXX XXXX times but still they dont want to refund the money to me. 
I am requesting your help to resolve this matter. 
Thanks in advance. 
XXXX XXXX XXXX ( m )
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX continues to report information that is incorrect. TransUnion 's report has incorrect information about this closed and forgiven account due to ID THEFT. The acct was reported as ID FRAUD/THEFT and was BLOCKED. It keeps reappearing XXXX was reported to the IRS for FRAUD and misrepresentation. I was issued a 1099C and the acct is to be permanently removed and XXXX blocked.
Product: Checking or savings account

Complaint Details On XX/XX/year> Chime locked and closed my account without notice! I was made aware of this when I was traveling and needed to stop for fuel and my debit card was declined. I immediately opened the chime app to see my balance and was met with a login denial stating I must call customer service. I made the call and they informed me that my account was closed and there was nothing further I could do & no manager or supervisor is available after calling repeatedly being hung up on and rude customer service agents declining my requests stating there is nothing they can do I would be receiving an email to direct my next steps while in possession of {$1700.00} for a reason given of a ACH transfer I made for {$2500.00} from my own personal checking account through a different bank. The email I received stated I needed to provide several documents proving I was the one initiating the deposit and to confirm my identity however I immediately used the link provided to provide all documentation they requested only to receive several automated emails stating to provide the same documents Over several panic phone calls through several days nobody can provide answers or a reason of why my account is closed? I demanded a paper check for the funds in my account as well as permanently closing my account and I am met with a customer service line that barely speaks XXXX and is unwilling or unable to help me resolve this matter I will be seeking out all other account holders that had this issue with chime to start a mass tort lawsuit against chime for damages they have caused! intentionally locking accounts and stealing tax paying citizens funds! I am asking BBB as well as the FTC, CFPB to launch an investigation into these illegal unethical business practices chime is committing and would like to see chimes license to conduct business revoked or suspended as well as warn any other person or entity that chime is literally stealing funds needed to support families/individuals from its customers!
Product: Credit reporting or other personal consumer reports

The purpose of this notice is to inform you of my election to exercise my right to Opt-Out of my information being shared with third parties such as consumer reporting agencies in accordance with Section 6802 ( b ) ( 1 ) of the GLBA.

I have attached a copy of my passport so you do not send me a notice saying you can not identify me.
Product: Credit card or prepaid card

Chase Card Services XX/XX/XXXX Inaccurate accounts account ending in XXXX and account ending in XXXX Misleading Information as it shows on their XXXX and XXXX letters, attached On their letter dated XX/XX/XXXX XXXX Chase UPDATE We will stop contacting g you about this account by phone and mail On their letter dated XX/XX/XXXX XXXX Chase UPDATE We will stop contacting g you about this account by phone and mail Chase Card Services, continued communicating by mail on XXXX harassing me and inconsistent as per their letters on XXXX This is a violation Chase Card Service and a continuously XXXX I request an account close letter for account ending XXXX and account XXXX And to provide me full account number for account number ending XXXX in and full account number ending in XXXX ASAP
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of the fraudulent accounts and unauthorized inquiries listed below, which have appeared on my credit report due to identity theft. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have these items removed promptly from my credit file. 
XXXX Accounts : XXXX. XXXX XXXX  - Account XXXX : XXXX - Opened : XX/XX/XXXX - Amount : {$0.00} XXXX. XXXX XXXX  - Account XXXX : XXXX - Opened : XX/XX/XXXX - Amount : {$140.00} XXXX. XXXXXXXX XXXX - Account Number : XXXX - Opened : XX/XX/XXXX - Amount : {$110.00} Fraudulent Inquiries : XXXX. XXXX XXXX XXXX - Date : XX/XX/XXXX XXXX. XXXX XXXXXXXX XXXX XXXX  - Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX - Date : XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint against KeyBank N.A. for violations of my consumer rights, including breaches of the Gramm-Leach-Bliley Act, the New Jersey Identity Theft Prevention Act ( N.J.S.A. 56:11-44 et seq. ), and the Fair Credit Reporting Act ( FCRA ). KeyBank failed to provide me the opportunity to opt out before sharing my personally identifiable financial information with third parties, including credit reporting agencies and other institutions, in violation of federal and state privacy protections. Despite my explicit objections to this information sharing, KeyBank has asserted its authority to do so under its Privacy Policy, which directly conflicts with the GLBAs emphasis on consumer consent and opt-out rights. This failure to honor my privacy rights demonstrates willful negligence and disregard for federal protections. Additionally, I have repeatedly disputed a fraudulent account reported by KeyBank, but no resolution has been provided. KeyBank has reported a fraudulent account to credit bureaus without my knowledge or consent, violating FCRA 1681g ( e ), which requires documentation for fraudulent accounts, and FCRA 1681s-2, which mandates the accurate reporting of information. By sharing my financial information without my consent and failing to address this fraudulent account, KeyBank has engaged in practices that amount to identity theft under 15 U.S.C. 1681a ( q ) ( 3 ). KeyBank has also failed to comply with the CFPB 's guidance on consumer protections, including transparency and fairness in data sharing and dispute handling. This disregard for federal and state consumer protection laws has caused significant XXXX, financial harm, and damage to my creditworthiness.
Product: Debt collection

On XX/XX/XXXX I send documents to Sallie mae requesting they send me the audit trail, and detailed documents that i specifically requested associated with my account. They received this malling through Certified mail # XXXX on XX/XX/XXXX it has been 8 full business days since they received this malling and yet to respond
Product: Credit reporting or other personal consumer reports

I recently reached out to this company demanding verification and validation of their rights to collect and report on my credit reports. I have not received any sufficient evidence to believe that this account belongs to me as I have never done any business with this company nor given them the right to report on my credit report which is a violation of my consumer rights.
Product: Student loan

I called Navient on XXXX/XXXX/XXXX and requested that the payment of {$70.00} that I was then making over the phone be applied to the principal balance of my unsubsidized loan ( XXXX Direct loan, disbursed on XXXX/XXXX/XXXX ). The customer service representative informed me that he would apply my payment of {$70.00} to the principal of my " XXXX Direct loan ''. I further clarified, and asked him clearly, again, if the payment would be applied towards the principal, not the interest, and he told me that the balance of my payment made on XXXX/XXXX/XXXX would be applied towards the principal. I told him if the payment was going to the pricipal, that I would make the payment, he agreed, and so I made the payment. 

I called Navient today ( XXXX/XXXX/XXXX ) to confirm that the payment made on XXXX/XXXX/XXXX was applied to the principal, and was informed that the payment made on XXXX/XXXX/XXXX was not applied to the principal, and that it was applied to the interest. The operator on XXXX/XXXX/XXXX informed me that interest must be paid before a payment on the principal can be made. I told her that I wanted to speak with a supervisor, as that was not what I was told when I called on XXXX/XXXX/XXXX, and that I would be contacting the CBFB if she could not help me. She told me she would transfer me to a supervisor, but only put me on hold for approximately 10 minutes. The operator came back to the line, told me that they would go over the recording made on XXXX/XXXX/XXXX, and would call me back. I missed their return call, and called them back and spoke to another operator who told me that the payment could not be changed to reflect what the operator told me about applying the {$70.00} payment to the principal of loan XXXX on XXXX/XXXX/XXXX, and that the payment would indeed be applied to interest charges. I told them I would file a complaint with CFPB, and ended the call. I was never transferred to a supervisor.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following credit inquiries listed on my XXXX, XXXX and Trans Union credit report are all fraudulent and unauthorized : XXXX XXXXXXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX  XXXX XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXXXXXX XXXX XXXX XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, and XXXX XXXX XXXX XXXX, XX/XX/XXXX. Full Name : XXXX XXXX XXXX, DOB : XX/XX/XXXX, XXXX : XXXX
Product: Debt collection

Credit acceptance has engaged in deceptive and abusive practices in financing by using car sales, inflating prices and concealing true costs of me borrowing setting me up, a low class borrower for high interest loans i couldn't afford. They have allowed and incentivized dealers to sell vehicles at inflated cash prizes that had hidden finance charge. They took money from mullion of people without taking the accountability to repay the credit. 6 years later its hindering me. They misrepresented the cost of credit and tricked consumers in HIGH COST LOANS and violated usury limits and all around my protected laws. I need it REMOVED IMMEDIATELY.
Product: Credit reporting or other personal consumer reports

I still have negative items reporting on my credit report without my consent effecting my right as a consumer. According to the Fair Credit Reporting Act 15 USC1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 15 USC 6801 15 USC1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX, Equifax and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, Equifax, and XXXX, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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 information is inaccurate. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. Equifax and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting
Product: Credit reporting, credit repair services, or other personal consumer reports

After sending multiple letters to the credit bureaus, I have not received any response from them nor seen any changes from my report. The negative items which I have been disputing still appear on my credit report. This is clearly a violation to the Federal Law. Per FCRA section 605b, the credit bureaus are required to remove/block any account listed on an identity theft report. I have attached some documents to assist in the blocking of the erroneous information which is being posted on my report. 
XXXX/XXXX  XXXX Balance Owed : {$4900.00} XXXX XXXX Balance Owed : {$25000.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$1300.00}
Product: Debt collection

I have asked United Consumers to validate a collection they are reporting on my credit reports on XXXX/XXXX/16 and XXXX/XXXX/16 and they have failed to provide anything that would support the fact that they are attempting to collect on a debt without an agreement or contract. Nor have they supplied anything other than a statement on XXXX of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.