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

My accounts was never late! I have had exceptional payment history witXXXX XXXX XXXXXXXX and all payments were placed on XXXX. 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 XXXX XXXX XXXX. This error has caused XXXX XXXX to my XXXX, my XXXX, my mode of living and to my XXXX 

I demand the late payment reported to be removed/updated. 

They are not in compliance with the following law. XXXX XXXX XXXX and its requirements set the standards and the guidance for a XXXX to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

XXXX XXXX XXXX ( a ) Time to make payments A XXXX  may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the XXXX  has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

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 XXXX and It was never provided. 

This is XXXX XXXX XXXX  and not equitable to me as a consumer!
Product: Credit reporting or other personal consumer reports

Look a update was completed on my experience credit report XX/XX/XXXX. The update removed most of the Collection markings except XX/XX/XXXX. In clear bad faith, experian as the principal and its agent, did not remove all of the Collection marks. Its agents also did not mark the months as Closed. It did not fully reflect the account and its report as closed and settled. 

I clearly gave them evidence that is favorable in the court of law that the XXXX account is closed and settled. There is no collection action and there are no debts, period. End of story.
Product: Credit reporting or other personal consumer reports

I received a XXXX XXXX XXXX XXXX from XXXX. They have written this mo ey off as a complete loss and I have assumed the tax liability for this debt and it is a part of my personal income.
Product: Credit card

Synchrony close my Amazon Store Credit Card adducing return of two payments transfers. The first did occurred due to inserting by mistake a digit in the account. The second never occurred because the bank never received a transfer petition from Synchrony. This was confirmed by XXXX XXXX. Nevertheless Synchrony keeps my account closed.
Product: Debt collection

A lady named XXXX XXXX from XXXX Management Services Incorporated left a voice mail this morning regarding a debt and requesting to call her back at XXXX - Ext. XXXX. I quickly knew this called was not intended for me because I do n't have pending debts and I had never heard of XXXX XXXX XXXX XXXX XXXX, an institution she is collecting a debt for. When I called her, I quickly identified myself but from the very moment she answered her phone she was loud, rude, disrespectful and sounded bitter and extremely angry, loudly. I tried to tell that I received a called from her in an attempt to collect a debt. I also tried to tell her that I 've had this phone number for about XXXX weeks and that she probably wanted to contact that previous person that had this number. She did not even spent a second to listen to what I had to say. She kept on going with her harsh and nasty tone of voice. I repeated my phone number twice as per her 'demand ', then I told her my name three times as she 'demanded '. Every time I try to say something else to explain the reason of contacting her back, she would speak over me and not let me talk. At some point during the speedy, one-way conversation, she told me she -had not finished talking yet! -. and kept questioning if I had an account and I said no. Then, she demanded from me to spell out my name. At that point I decided that I did not have to put up with her abusive and condescending attitude and hung up. I called her to clarify who I was and to also request my phone number be removed from the list of debtors. I even have my answering machine stating my name and do n't understand why they still will leave a message to collect a debt I do n't have and never did. This woman crossed the line ; she was insulting and abusive!. By far this the most disgusting person I 've had to deal with in my life. Please, someone make these people stop their abusive behavior.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've recently been getting updates and warning about my personal information being on the BLACK WEB. So I've been looking at my credit report and noticed XXXX XXXX XXXX on my credit report and I have never had or applied for a account with this company. This account shows to be open since XX/XX/ 2018.
Product: Vehicle loan or lease

My lease ended in XX/XX/year>, and I returned the XXXX XXXX XXXX back to the dealership in great condition. During the turn in process I asked if there were any other costs that needed to be squared up and was told nothing further need to be done. 
Scroll forward into XXXX and I noticed my XXXX XXXX dropped by XXXX points. I looked through and noticed GM Financial had added a fee of {$390.00} ( XXXX XXXX ). At this point, I know you guys have likely gotten a slew of these types of complaints I'm sure. 
But, anyways, I paid {$1500.00} upfront that was supposed to take care of all of this type of stuff. When I reached out to the XXXX XXXX XXXX dealer I got the run around, so I called GM Financial directly and got stuck on hold for over an hour. 
I've since paid the {$390.00}, and my XXXX XXXX got hit again for XXXX more points because of the timing in paying the bill. 
This is ridiculous! There shouldn't be a fee for taking the car back, and I think it's really crazy to have to whip out a three-year-old contract to ensure people don't get screwed because you think these dealerships should know what they're talking about. 
Disposition Fees are absolutely predatory, and I hope they are no longer allowed. 
Really makes me sick to my stomach to see GM automated systems destroy my credit with charges I'm completely unaware of. 
XXXX months ago, I had an XXXX credit score.. today I have a XXXX because of GMs absolutely horrible process concerning these disposition fees.
Product: Credit card

XXXX XXXX XXXX sales person talked me into a store credit card issued by Synchrony Bank to buy my furniture by offering XXXX year interest free. I agreed to card and purchased items on XX/XX/XXXX. On XX/XX/XXXX the items were delivered. On XX/XX/XXXX the seat chair of XXXX recliner collapsed and fell which made the recliner inoperable. I notified the store on XX/XX/XXXX and the manager did not call me back as promised. On XX/XX/XXXX I visited the store and the manager asked for pictures and said he would see if there could be an exception to the XXXX  day return policy. I was frustrated because this return policy was never mentioned and if I would have used my XXXX  I could contest the charges. I looked in the store for other recliners, but they were all wider than the XXXX inches that my living room allows. By XXXX XXXX XXXX ( store manager ) still had not offered a resolution and I called store again. On XXXX he called me back and offered a store credit. A store credit is of no use to me because I am an XXXX  lady with XXXX XXXX XXXX XXXX. I do not want to make payments on broken furniture and I believe the merchant has a XXXX  day return policy to only benefit themselves instead of the consumer. I am asking that the money to be refunded to my card immediately so that I can buy XXXX high quality chairs from a reputable merchant.
Product: Credit reporting or other personal consumer reports

Requested Lexis Nexis to freeze clue report and I wanted to dispute negative things that was on the Lexis Nexis Clue report. Lexis Nexis failed to do so. I have requested this be done several times in 2024. 
This is a violation of 15 USC 1681e ( b ) - Failure to Ensure Maximum Accuracy 15 USC ( 1681i ) - Failing to Investigate Disputes 15 USC ( 1681g ) - Failing to provide consumer access 15 USC ( 1681c ) - Failing to correct or delete outdated information 15 USC ( 1681m ) - Failure to notify of Negative Information
Product: Credit reporting, credit repair services, or other personal consumer reports

Wrote credit bureau reporting fradulent credit inquiries and they were not removed. Sent certified mail on XXXX/XXXX/22. Responded with a letter stating what an inquiry was but did not remove the fradulent inquiries. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

When I finished school in 2016 I was already behind 1 year in payments and I should have been in forbearance until I graduated. I called them in 2016 to tell them I just graduated. I had called every six months to stay in forbearance because I could not make a payment. I am current on my payments but still shows I am 13 different months late and the status is affecting my credit. I wish I would have never went to college because the loan repayment is affecting me to get a loan for anything and just makes the whole experience terrible.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XX/XX/1990 XXXX In need of immediate deletion of false information & in discrepancies associated with confirmed identity theft on my credit report. I am a victim of the Equifax Data Breach, unfortunately, my personal information has been stolen, bought, sold, and used illegally. 
Long before Equifax admitted fault for their data breach ; I started actively disputing and removing accounts I noticed and could prove did not belong to me but were reporting on my credit file. I hired different credit companies to help me figure out a solution, contemplated bankruptcy, and placed self initiated freeze on all 3 of my credit reports. This has deeply and negatively affected every area of my livelihood negatively and has only caused unnecessary barriers for necessary necessities ( like housing, interest rates, etc. ) Equifax has confirmed the identity theft, yet allowed lenders to destroy my credit ; due to their lack of urgency and IMO extreme negligence from allowing the data breach initially to their approach to remedy it after the fact. 
According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 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. 
These accounts are a result of XXXX 's XXXX XXXX, and I want these items deleted from my credit report effective immediately. 
XXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am attaching proof that Equifax admitted I was in fact a victim of this data breach and Equifax has done nothing to help remedy this awful situation. Please help me delete these illegal accounts from my credit report.
Product: Debt collection

A company Zion Debt Holdings has placed a negative report on my credit report for money owed to them. I have never communicated with this company nor done any business with Ziona Debt Holdings. I never received any documentation or proof from the company prior to them impacting my credit score. I dispute any money owed to them. This company has not followed the law regarding credit collection and simply put an arbitrary credit collection on my credit report.
Product: Debt collection

I am writing as a victim of the XX/XX/XXXX XXXX security breach. I have been attempting to validate suspicious activity on my credit report since the breach in which my contact and personal info were leaked. In the process of doing this, I submitted two requests for debt validation ( first on XX/XX/XXXX and second on XX/XX/XXXX ) to XXXX XXXX XXXX and requested they only contact me by mail. 
The only response provided from the debt buyer were invoices and threats to litigate sent on XX/XX/XXXX and XX/XX/XXXX, they have been unable to provide me with the original contract, account history and other documents requested. 
Furthermore after speaking with the original creditor, it was brought to my attention this debt has been misrepresented. In violation of the Fair Debt Collection Practices Act, the collection agency has added charges and fees to the account and is falsely reporting new account activity such as payment delinquency. Also, in respect to Section 623 of the Fair Credit Reporting Act, furnishers must note delinquency within 90 days, list the same date of delinquency as the original creditor and notify consumers of negative listings within 30 days of reporting. All of these statues have been violated by XXXX XXXX XXXX regarding this account. I have submitted this complaint in attempts to have this debt verified and this account investigated.
Product: Credit card or prepaid card

In XXXX, I arranged for an individual to perform landscaping services to my yard. I only knew him by the name XXXX. He used the business name XXXX XXXX XXXX XXXXXXXX. I paid for the services by cash, XXXX transfers, and with my Bank of America ( B of A ) credit card. Services were completed and payment in full was made before the end of XX/XX/XXXX. In XX/XX/XXXX, five more charges were made to my credit card by XXXX XXXX XXXX XXXX that were not authorized by me. I contacted XXXX ( the XXXX  ) by text regarding the charges. He said his banking information had been hacked and he denied making the XXXX charges. He verified that the final payment was " around XXXX. '' I contacted B of A in XX/XX/XXXX regarding the above. The XXXX charges were initially reversed. Then they were charged to my account again. B of A stated that the business responded that the charges were all valid and that I still owed more money. I contacted XXXX and he denied ever receiving any contact from B of A from their investigation. I sent him copies of the response that B of A received. XXXX stated that the merchant name and logo were not the same as he used and he again denied making any charges in XXXX and that his account information had been compromised. 
Disputed charges : XX/XX/XXXX {$1600.00} XX/XX/XXXX {$2100.00} XX/XX/XXXX {$1600.00} XX/XX/XXXX {$2100.00} December 18/, 2021 {$1400.00} Total {$9000.00} Below, I will attach screenshots of the text messages between XXXX and me. 
Note page XXXX he denies being contacted by B of A for the investigation. Page XXXX he confirms that final transaction was around XXXX before XXXX XXXX and he repeats that the charges were not from him.
Product: Debt collection

I I do not consent to the following closed accounts being reported on my consumer report by transunion block and remove them. The closed accounts are XXXX XXXX XXXXXXXX, Balance {$510.00} opened XXXX, XXXX XXXX XXXX, Balance {$0.00} opened XXXX.XXXX XXXX XXXX , Balance {$0.00} opened XXXX.
Product: Credit card

I am requesting your help to investigate such accounts from these companies that are reporting me inaccurately about the late payments. I have reviewed and checked my credit report and saw that these certain accounts have late payments which is not correct. THERE SHOULD NO LATE PAYMENT REMARKS ON THESE ACCOUNT
Product: Credit reporting or other personal consumer reports

World Finance here in XXXX Texas location XXXX XXXX XXXX. XXXX XXXX Texas XXXX, XXXX my Credit without my permission and my consent on XX/XX/year> they didn't call me to get my permission or my authorization, they didn't even call me after they attempted to do so. How I found out that World Finance had made these moves without my knowledge was when I attempted to re apply for the Loan I had gotten pre approved for that I had applied for XX/XX/year>, which was the only day I talked to World Finance until I made contact with them XX/XX/year>. On XX/XX/XXXX someone Tried to run my credit without my permission or attempting to make contact with me and that person tried to make me into a liar.
Product: Vehicle loan or lease

Im constantly being remind of my younger days and its hurting me now. Lost my job and was not able to pay for the loan.
Product: Checking or savings account

I have requested to transfer my IRA account from the XXXX XXXX XXXX XXXX XXXX located at XXXX XXXX XXXX in XXXX OH XXXX, to Citizens Bank, to be deposited into my existing IRA Savings acct. The XXXX XXXX then sent me a letter dated XX/XX/XXXX, stating that the Trustee to Trustee Transfer was completed in the amount of {$8400.00}, and that the check for said amount was mailed to Citizens Bank-Retirement Services, XXXX XXXX XXXX XXXX, XXXX RI XXXX. Again, the letter is dated XX/XX/XXXX, and today 's the XX/XX/XXXX. The money has left the XXXX XXXX yet have n't reflected on my IRA account at Citizens. My numerous phone calls to Citizens produced no results, the money is nowhere to be found. It 's been almost a week and nothing happens. It appears that Citizens have lost it. OMG
Product: Consumer Loan

Hello, I purchased a car with financing provided by Wells Fargo in 2014. I am insured with XXXX XXXX company and have been since I purchased the car. Early in my finance, I realized Wells Fargo was charging me for insurance. I called them to note the error in 2014, and was told the charges would be removed in short order. In reviewing my statement over the past few months, I 've noticed I 'm still being charged, close to {$6.00} per month for Wells Fargo insurance and interest. Again, I am already insured and upset that Wells Fargo is double-charging me. I called them again today and they told me they would start an investigation, but did n't promise to remove the charge. I am happy to provide my declarations page to prove that I have coverage, though Wells Fargo has not requested it. I feel I am being and have been scammed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Eradicate every claim of the alleged yet unproven to be my responsibility or fault. Several attempts on disputing the accounts to no success, so I decided to file this complaint hoping you can help me out and delete the accounts which are not my responsibility namely XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint with the CFPB against Zelle due to fraudulent transactions and scams that have occurred through their platform. Despite my efforts to resolve the issue directly with Zelle, I have experienced a lack of adequate support and protection against unauthorized transactions. As a result, I am seeking assistance in holding Zelle accountable for failing to prevent and address these fraudulent activities.
Product: Credit reporting or other personal consumer reports

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 
This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Also, I was never disclosed of ALL XXXX  of my Opt-Out disclosures which states a financial institution may not disclose nonpublic personal information to a nonaffiliated third party under 15 U.S. Code 6802 unless all XXXX disclosures were satisfied but they were not.
Product: Payday loan, title loan, or personal loan

This company oportun XXXX XXXX XXXX XXXX CA XXXX put a XXXX XXXX   judgement against me for loan I never had I sent them my driver license ssn police report and sign afadavit this wasn't me I had my bank account debit and identy stolen they need to take this off asap .
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX and i understand that by ferderal law i am a protected consumer who's Rights are being violated. Ive sent so many letters from XX/XX/2022 til date, All certified mail ( Attached ) trying to understand why these companies are reporting information about me without my consent. My Privacy hasn't only been imfringed but these companies have violated a number of ferderal laws. I have explained to these Agencies that under federal law without my consent this is Identity theft under 15 USC 1681 ( Q ) ( 3 ) .Due to these Unfair practices of these companies my consumer report is no longer Equitable to me because none of these companies followed the reasonable procedures put forth by federal law under 15 USC 1681 ( B ). Which has impaired me from extending credit because my rights of consent and privacy were taken advantage of. 
Congress made it clear as day in 15 USC 1681a ( D ) ( 2 ) ( A ) ( i ) that consumer report does not contain information solely as to transactions or experiences between the consumer and the person making the report but yet they furnish this negative inaccurate information without my written consent. I demand all accounts in distupe to be removed from my consumer report or negivate item removed from payment history other wise i have no choice but to file litigation for actual damages caused and XXXX, Equifax, and XXXX, and/or XXXX XXXX will be held criminally liable for.Not to mention your willful noncompliance under 15 USC1681n ( a ) ( 1 ) ( A ) after being put on notice.UPon the receipt of the documents and of this notice, you are hereby notified Pursuant UCC XXXX Your prompt attention and response are both required.
Product: Credit reporting or other personal consumer reports

XX/XX/scrub>XXXX XXXX XXXX  THIS COLLECTION ACCOUNT IS NOT MINE, NOR HAVE I EVER HAD ANY BUSINESS WITH THIS COMPANY OR ENTITY.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a notice to transUnion and XXXX to tell them that the reports on my credit account so not me. Their is fraudulent activity on my account. My name spelled wrong, my addresses, their are inquirys on that account that doesnt not belong to me. S
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$7100.00} ; XXXX XXXX XXXX Balance : {$770.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$540.00} ; XXXX XX/XX/XXXX.