23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

In early XXXX around the XXXX or the XXXX my brother recieved a call from Portfolio Recovery asking if the could speak to me. He stated he was my brother and that he could give me a message. So since he knew my name, the repersentative preceeded to tell him I owed for 2 outstanding account within their office and gave him the amounts {$640.00} and {$440.00} and who the original creditor was XXXX XXXX XXXX and told him that he better tell me to call them. I called them when I got off from work and was basically told that since he knew me that they could tell him everything. She even told me that they can continually call him until I pay off the debt owed. They have since called him 2 more times. With him telling them to stop calling his phone. I have sent them letters asking them to correspond with me by mail only but the seem to ignore those requests.
Product: Credit reporting or other personal consumer reports

My account with EQUIFAX was never late! I have had exceptional payment history with XXXX  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 payment reported 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. 


EQUIFAX 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 made a wire transfer on XX/XX/XXXX to my mother in law for {$850.00}. The wire shows completed on chase but never showed pending or came in for XXXX  XXXX XXXX. I called chase to make sure I didnt fat finger the account or routing number. Everything was good so I waited a day or two more to see if the transfer would show then. Still nothing so now I have XXXX in limbo somewhere. I have made two inquires about this issue but have yet had any response from XXXX to assist me with this issue. I have also tired calling them but keep getting the circled around to different departments because no one can figure out how to help to the point I keep getting hung up on. I cant afford to lose money in crisis like these and would like to have my money back.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX/XXXX XXXX Balance Owed : {$0.00} XXXX/CAPONE XXXX Balance Owed : {$340.00} US DEPT ED XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$480.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} These accounts are involved in litigation and do not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here and was told that I needed to complete an affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.
Product: Credit card or prepaid card

My first experience  with   Sychrony bank was with my TJ Maxx card, they lowered my limit based on my credit score. It was low then so I did n't complain, I just paid off the account and closed it. Next, was my JC Penny account. I have been a card holder with JCP fo r 15 years. I paid off my account in full back in  XXXX  and was informed in  XXXX  that my account was closed. Pe r Sychrony, my credit score  was low in  XXXX   2016 , so they closed the account. At the time they closed the account, my score was  XXXX  points higher than their quoted score in their letter. I have  XXXX  more account  with Sychrony,  my Care Credit account, which I will close so as to not do business with this company or any retail outlets that use th is Company  as their primary credit car d issuing Company. I n the meantime,  XXXX   XXXX  will be getting a majority of my business as their cards are owned by  XXXX  and they consider me a credit worthy consumer, so they raised my limit {$1000.00} for being a loyal customer. My hard earned money and credit will never be spent or utilized with ANY establishments  who use Sychrony in any manner or form when it comes to their business and customers.
Product: Checking or savings account

Was approved for my savings account have emailed to prove it and then I was told my account was closed later for fraud reasons even now I am the one opening the account and can verify everything they would not elaborate very unprofessional
Product: Credit reporting or other personal consumer reports

On my Experian, XXXX, and XXXX credit report shows an account by XXXX XXXX  XXXX. I have never associated nor opened an account with the company. The credit card account posted deliquency which I am unaware of due to not opening the account. I contacted the company and they were extremely rude and did not provide me any information.
Product: Credit reporting, credit repair services, or other personal consumer reports

CNAC of XXXX PA is reporting an old account passed 10 years old on my credit report that was paid off in 2014. I have tried to get this company to take this off my credit report for years now to no evail. The information provided on my credit report is inaccurate and passed 7 to 10 year mark and should no longer be on my credit report. Please help me
Product: Mortgage

1 ). Ocwen breached an existing 5 year loan modification payment plan without any warning or explanation - forcing me into foreclosure ; 2 ). Ocwen has " lost '' many of my submitted loan modification applications ; 3 ). Ocwen has denied / refused to accept my loan modification application saying " it's too late '' ; 4 ). Ocwen has placed " forced '' escrow accounts with respect to property insurance and taxes without my consent - forcing me into foreclosure ; 5 ). Ocwen has caused a wrongful foreclosure to be placed against my home where i have lived with my family for the past 19 years which has placed great emotional distress against myself and my family
Product: Credit card

I am writing to address a discrepancy on my credit report involving a missed payment to my PayPal credit account during the months of XXXX and XX/XX/2022. I recently reviewed my credit report and noticed that this missed payment is negatively impacting my credit score. I am writing to request your assistance in rectifying this issue.
Product: Debt collection

XX/XX/XXXX I voluntarily returned a Ford Truck to the Dealership asI could not afford the {$830.00} payments. A third party collector tookthat case to court, without even properly serve me. I have been paying on this debt XX/XX/XXXX. Never missed a payment. I have been asking them to send me a statement as to how they are applying the funds every month. I am aware there is an annual fee of 10 % that they charge. So far I paid over and beyond the amount due. They are refusing to provide me any kind of statements as to how they applied those monthly funds all these years. As far as I am concerned, I either already paid this debt or close to it. But I need to have a schedule of payments and when would my last payment be. 
Please let me know what steps I should take. Thank you.
Product: Mortgage

Mortgage loan ( first lien ) has been serviced by XXXX and XXXX XXXX XXXX since XXXX of XXXX. 
I have never missed a payment nor been late one time! XXXX service released the loan to Select Portfolio Servicing ( SPS ) in XXXX of XXXX. Now SPS charges {$15.00} per transaction to collect my payment online or by phone!!!!!! Is there any regulation prohibiting these exorbitant fees? No lender/servicer is charging these fees. I pay XXXX mortgage loans that are serviced by XXXX, XXXX, XXXX, and XXXX. NO ONE COLLECTS fees when the payments are mode online or by phone! Please help me. {$15.00} extra is a burden for me. Thank you. XXXX XXXX XXXX XXXXXXXXXXXX SPS : www.spservicing.com XXXX XXXX XXXX, XXXX XXXX XXXX, Utah XXXX XXXX
Product: Credit reporting or other personal consumer reports

To Whom it may concern at TransUnion, Last year in 2022 I As a federally protected consumer demanded that TransUnion follow suit with XXXX and XXXX and DELETE an inaccurate account on my report from XXXX XXXX for an alleged debt. It still has NOT been deleted. This has hindered me from moving out of my unsafe neighborhood with my children. According to the Fair Credit Reporting Act, I have the right to privacy and permissible purpose. All reports must match! 

I DEMAND that you delete is account from XXXX XXXX OFF my report IMMEDIATELY. I KNOW MY RIGHTS! 

I have attached the deletions from the other two CRAs
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX prepaid and XXXX XXXX XXXX are reporting twice and sometimes three times a month, lowering my credit score purposely. The XXXX of the month is when my prepaid is due and reported. The XXXX of the month is when the XXXX is due and reported. 

Since XX/XX/2018 the reporting has been repeatedly during a 30 day period when its only to be once a month. 

TransUnion is working with XXXX XXXX and XXXX lowering my score by over 103 points in less than 6 months. Only raising it by 1 or 2 points and I pay my bills on time, pay off my debts early and keep all debts paid on time, yet my score is now, again XXXX from XXXX.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle handing of disputes, patricularly in light of 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 CFPB 's finding 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: Credit card or prepaid card

My account is with XXXX XXXX XXXX It is XXXX card. I set up the account so that I could pay it on line. When I went to pay the bill this month, the website would not let me pay it. I mean that when I clicked on the tab to pay it nothing happened. I tried several time before I called the number on my card. The automated system on phone asked if I wanted to pay a bill, I tried that. Again I was not successful. I finally went to a customer service representative who allowed me to pay the bill. I payed the bill in full. I then closed my account. Now I have an interest charge of {$29.00} on a closed account that is closed and has a XXXX balance. I am also informing XXXX XXXX XXXX of my action here so that they are aware.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted the bureaus and there is unverified debt on my report that's not mine. I have not supplied proof under the doctrine of estoppel by silence. Engelhardt v. Gravens ( mo ) SW 715.719. I Presume that no proof of the alleged debt, nor therefore any such debt exists. 

Here is the item : XXXX XXXX XXXX # XXXX
Product: Mortgage

My Mortgage Company is PHH. They recently purchased the servicing of my loan from Ocwen. I  made a payment on XX/XX/19 which was applied entirely to principal, despite the fact that payment was due for XX/XX/19. I have sent them 3 emails and made one phone call. They told me it would take 7-10 business days to correct, we are well past that time frame. I used to pay ahead of my due date with Ocwen and they always appropriately applied it to the next payment due. I should now be due for XX/XX/19, but it shows XX/XX/19.
Product: Debt collection

Recently pulled my three credit bureau reports in anticipation of a home purchase and got a surprise with an unknown collection account on XXXX. I have no knowledge of this account and have not been contacted as required under the FDCPA. XXXX  has had this on my report before and I've had to have it removed again and again.
Product: Payday loan

Northern Plains Funding LLC..is an unlicensed payday loan and over charge me in fees.
Product: Credit reporting, credit repair services, 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 1681XXXXXXXX XXXX XXXX account XXXX XXXX {$26000.00}. XXXX XXXX XXXX account # XXXX has violated my rights. By adding collecting accounts of fraudulent accounts thats been removed from my credit report at the making police reports with this company. 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 information is inaccurate Chapters. 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 16663 A Creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently applied for a credit card and notice that my Capital One Credit Card Acct # XXXX XXXX XXXX XXXX that was opened in 2016 was not reported on my credit report for any of the bureaus. Please report my Capital One Credit Card Acct # XXXX XXXX XXXX XXXX payment history and current account information to all three bureaus.
Product: Student loan

I enrolled in XXXX University in XX/XX/XXXX. The Fin Aid Office told me that I had to apply for a reaffirmation that the overage of {$720.00} owed to Nelnet must be paid or added to the new student loans that I was approved for. Once I applied for the reaffirmation then Nelnet would send a confirmation letter to me approving the reaffirmation request so that the overage could be applied to the new loans. This is the only way that the new student loans can be released to my student accounts and I can start school. Nelnet has been slow to respond and not respond at all. They are continuously telling me that they are processing my request and to wait for the confirmation letter when I call the service center, however they are doing nothing to help with this issue. I keep getting lies and the run-a-round from the clerks that answer the phone. They even sent back a request form to me and told me that the dates were old. I guess so, they have been sitting on it for over six months. Finally I had to keep resending the form to them because I can not get into my online account. There are too many problems with Nelnet. I spoke with a Supervisor at Nelnet customer Service on XX/XX/XXXX who told me that I would receive the confirmation letter for the reaffirmation request today XX/XX/XXXX. However I have not received it. I called to see why and as usual the customer service rep did not know what was happening and he claimed he saw no notes in my account. Please get to the bottom of this issue for me I would like to start the XX/XX/XXXX term at XXXX. The people at Nelnet are not doing their jobs I also informed them that I would let my congress person XXXX XXXX know about this mess. Please help,
Product: Credit reporting or other personal consumer reports

My wife and I reviewed our credit reports and noticed we have XXXX bankruptcies listed on our reports. We have sent letters to the bureaus requesting info on who reported them to the bureaus. We specifically asked for METHOD OF VALIDATION. According to the FCRA, each bureau has 15 business days to respond to a request for method of validation for a bankruptcy. We have TWICE requested this information within 2 months from the bureaus, and none of them have responded with this information. The bureaus have not demonstrated that they have properly validated the bankruptcy information reported.
Product: Credit card or prepaid card

Hello I have been a customer of bank of America for over 2 years and 5 months ago they closed all of my accounts plus 4 credit cards 2 personal and 2 buisness and said after months of them saying we get back to you as to why saying they need 45 to 60 days for the investigation which they were doing nothing never been late on any payments always had money in my checking accounts and finally when I went to the branch to get answers as to why the banker said because of my race that I am XXXX and that's discrimination and illegal in America and was told there is a lawsuit going on because of bank of America closing accounts because of race particularly being armenian which is horrible to experience that and would like it if you can help me resolve this issue thank you
Product: Debt collection

I am writing to formally request the removal of several unauthorized accounts and inquiries from my credit report. These accounts and inquiries are not associated with me, and I did not authorize their inclusion on my report. The presence of these inaccuracies is the result of a data breach that has adversely affected my credit standing, leading to a significant drop in my FICO score.

Upon a thorough review of my credit report, I identified multiple accounts and inquiries that I do not recognize or authorize. These inaccuracies have led to negative remarks on my credit report, which are unjustly damaging my credit score and financial reputation. 

The inclusion of these unauthorized accounts and inquiries has caused considerable XXXX  and concern regarding my XXXX  XXXX. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of all unauthorized accounts and inquiries.
Product: Credit reporting or other personal consumer reports

How are you? I hope all is well. I am writing to you because I recently reviewed my latest credit report and I found a few negative items that I have NOT confirmed or accepted to be accurate. 

Id like to ensure that you have and ONLY RETAIN current, TRUE, CORRECT, COMPLETE, and MANDATED REPORTED information per FCRA regulations. I DEMAND, as it is my lawful RIGHT ( s ) to do so, that you DELETE all information that is deficient of any condition, mentioned above. 

I listed below all the information that I found to be untrue, incorrect, incomplete, untimely, and not verifiable, and unsubstantiated. I have yet to be provided physical verifiable proof that the claims of negativity within my report is true. 

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 Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. 

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. 
Furnish information about accounts or other relationships with a consumer that is accurate. 
C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards.

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB XXXX FTC and my Attorney General.
Product: Credit reporting or other personal consumer reports

XXXX XXXX ssn XXXX dob XX/XX/XXXX. this cfpb complaint has been filed to request pursuant to FCRA 605b ( 15 u.s.c 1681c-2 ) that you XXXX reporting agency block information appearing on my consumer report that is the result of identity theft and fraud within 4 business days of receiving this complaint. this fraudulent, inaccurate information, consists of a car loan from " XXXX XXXX {$13000.00} '' opened on XX/XX/XXXX. 

A credit card XXXX XXXX {$2700.00} opened on XX/XX/XXXX a personal loan from XXXX XXXX XXXX {$19000.00} opened on XX/XX/XXXX a personal loan from XXXX XXXX  {$8500.00} a personal loan from XXXX XXXX  {$7500.00} I do not recognize the aforementioned account or collection account. this account that is reported by XXXX was not made, initiated or opened by me. the aforementioned account is a result of identity theft and fraud. I have attached a copy of my FTC identity theft criminal complaint # XXXX, that proof from the FTC that this account is fraud.