23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

The accounts from XXXX XXXXXXXX XXXX Account XXXX and Account XXXX are not being properly investigated. My trust and I disputed the validity of this account on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. The account is continuously being updated from closed to open with a message stating that it meets the guidelines of the FCRA but I have not received any of the requested documents to properly validate this account. 

This account is not being properly investigated. My trust and I have disputed the validity of this account online and by mail on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. The balance on the account is continuously being updated to reflect the same amount, the account is continuously being updated from closed to open with a message stating that it meets the guidelines of the FCRA but we have not received any of the requested documents. Therefore, no evidence exists of my agreement or consent for this account. This account lacks validation and sufficient evidence to support its accuracy. Without possession of the original promissory note or the requested documentation, this entry is unverifiable. The reported debt is legally deficient and must be removed as unverifiable under XXXX XXXX. XXXX. XXXX XXXX. $ XXXX XXXX XXXX XXXX  : Requires credit reporting agencies to follow reasonable procedures to ensure the maximum possible accuracy of the information in a consumer report. XXXX XXXX. XXXX : Mandates that unverifiable information must be corrected or deleted within 30 days of receiving a dispute.
Product: Consumer Loan

1. XX/XX/2015 (? ) I cancelled autopay for XX/XX/2015 and then asked about late fee and I was told there was a 13-day grace period before late fees would be posted. Rep 's actions and info had me breathe a sigh of relief and asked to speak with his supvsr to give him a compliment. 

2. XX/XX/2015 : Autopay went thru anyway. I called again rep stated that autopay had been cancelled but had not posted on their system yet so if it did not show a reversal on XXXX to call back on XX/XX/2015. 

3. XX/XX/2015 : Called, explained the entire situation AGAIN and this time was told could not reversed because it would put my acct into late status ( regardless of 13 day grace period ). Asked for supervisor and rep was on hold too too long attempting to get a supvsr, ( acc to bank policy ) and she would have to end the call. I was not allowed to hold any longer. 

4. Called again and THIS time I was told the cancellation had to have been two business days prior to scheduled autopay for it to be effective Spoke to supervisor who told me nothing could be done. Asked for HER supvsr and was told there was no one else who could help me. 

I was ( am ) having financial difficulties as it is, and NOW my checking acct with a different bank is overdrawn and will have to pay approximately XXXX in overdraft fees! 

AND prior to this, on XX/XX/2015 ( I think ) I was taking care of a pymt and when asked to verify my address they had an address in a city and state where I have never been in my life. They said they made the correction but just in case I called again and they still had the wrong address. So far now, I think, my address is correct again. I am still waiting for an answer as to how and why this happened. Because of the wrong address, I did not receive a stmt and the reason I had to cancel the autopay to begin with.
Product: Credit reporting

It is being reported that I owe XXXX money and is reported as me missing the payments every month. These accounts are " charged off " and no longer supported by them. They are not taking communication on them and they were sent to a collection company but there is no information on what company has the accounts on mky report so I can dispute them. These are charges made on my name on a building that I did not own at the time of the charges due to XXXX XXXX not processing the shut off for the leave on for landlord. Per XXXX XXXX these accounts are charged off no payment to them due. Should not be showing any late payments ever on this
Product: Debt collection

I received a collection account on my credit from a company I have never heard of. It is reporting an amount of XXXX. I have no knowledge of this bill nor have I had any medical attention recently. I am afraid this is also a breach of HIPPA. I have submitted 2 disputes and both were only given 24-48 and denied.
Product: Credit reporting, credit repair services, or other personal consumer reports

I refinanced my auto loan and paid in in full. I have complete records of everything. 

Ally financial first took several months to report my auto loan as paid in full. 

I reported the issue with all 3 credit agencies. 

The account is now reported closed but Ally is reporting that I have a {$5000.00} balance to TransUnion when I have a paid in full letter from Ally and they released the title.
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS ACCOUNT SHOULDN'T BE LISTED AS CHARGE OFF/COLLECTION WHEN THE BALANCE IS NOT CORRECT OR INFORMATION I HAVE NEVER OWNED THIS ACCOUNT WHICH ITS CLEAR ITS FRAUD OR SOMEONE SCAMMERS AND THESE PEOPLE REUIN PEOPLE LIVES AND THATS WHEN XXXX AND XXXX XXXX COMES NOTHING WAS NEVER OWED ON THIS INACCURATE MADE UP ACCOUNT DELETE THIS INACCURATE INFORMATION PLEASE.
Product: Credit reporting or other personal consumer reports

This have been following me ever since I had my information stolen during the Equifax data breach. Please help removing theses accounts
Product: Debt collection

Portfolio Recovery is reporting account XXXX Orginal Creditor XXXX XXXXXXXX XXXX XXXX as delinquent. This account is paid in full. ( see attached documentation ) received XXXX/XXXX/2023 XXXX balance.
Product: Credit reporting or other personal consumer reports

I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have XXXX  business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more.

XXXX XXXX Balance : {$5200.00} XXXX  XXXX XXXX Balance : {$2600.00} XXXX XXXX XXXX Balance : {$2000.00} XXXX  XXXX Balance : {$1600.00} XXXX XXXX XXXX XX/XX/year>
Product: Checking or savings account

Company is Wells Fargo Bank in Maryland I called on XX/XX/XXXX to see if Wells Fargo could assist me with a problem I am having with a debit payment to a XXXX. The XXXX harmed me and did not provide the service I paid up front in full for with cash. They said they could reverse the payment and run an investigation. PAID - XXXX XXXX XXXX CLAIM- XX/XX/XXXX Money reversed around XX/XX/XXXX Money taken back out of my checking account XX/XX/XXXX Wells Fargo did not follow the procedures that are in place in handling a claim There was no letter mailed to me There was NO communication of any kind to me about the status of the issue I called about a month later and was told the XXXX has only a total of 45 days to respond and if there is no response the money remains mine. It was close to 45 days so I just let it go and waited. I did not receive any further communication and after 45 days, as I was told, understood the claim to be closed. Suddenly with out any warning, I receive a call about 2 1/2 months later at XXXX telling me the XXXX  sent in a response and the claim is open and never was closed. Of course, I was upset. At that time, XX/XX/XXXX, I requested all documents to be mailed to me for review. I was told that it is not allowed until the claim is closed. I informed the rep than how am I suppose to review and see what is going on? The call ended there because I could not get any answers or help. On XX/XX/XXXX I went out to dinner and tried to pay. This is how I found out my checking account was severely over drawn an amount of {$970.00}. Wells Fargo did NOT mail me any letter nor informed me at all about reversing the claim. This has caused me great suffering. I am in financial hardship. I have no money for food, gas, pay my mortgage and bills, nothing. I have been unemployed for 3 years and was surviving till I start my XXXX job XX/XX/XXXXafter 3 years. This is making me very ill and stressed out. I have made a plethora of calls all day for 7 days now and went into branches trying to get help with this matter. NO ONE CARES AND NO ONE HELPS. Wells Fargo continues now to send me over draft notices and threats they are going to charge it off, ruin my credit and report it to XXXX. Incredible. They will not listen to reason nor negotiate this and discuss it. They are bullying me. This is not ethical to do this and impoverish someone such as this. Please help me. I have until XX/XX/XXXX till this is written off and it further destroys me. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

This account was opened on the following data XX/XX/XXXX in XXXX, XX/XX/XXXX in Experian..And XXXX XX/XX/XXXX, this is wrond ... and the Date last active XXXX in XXXX and XX/XX/XXXX in Experian..And XXXX XXXXthis is wrond this inaccurate obtain credit XXXX failed to investigate this account properly after I repeated ask to have the accound update your neglect has once again violated my consumer rights. I am demanding a delete of the following account : XXXX XXXX XXXX XXXX Having this wrong information in my report is illegal. I told you to investigate this account well, not doing so is affecting my ability to obtain credit, please delete them as soon as possible, this is the third time I have told you to investigate well and this information is wrong, thank you
Product: Money transfer, virtual currency, or money service

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

Affirm is calling XXXX times a day which is in violation of FDCPA of harrassing phone calls to where I had to finally block them and call from different numbers
Product: Credit card or prepaid card

On Monday, XX/XX/XXXX I contacted the # on my Chase Slate Credit Card to report that I had lost my card. I was told by the person on the phone that my account would be closed and that I would receive a card in the mail in 4 - 5 days. <P/>I received credit card fraud alert on XX/XX/XXXX for an attempted XXXX XXXX purchase of {$640.00}. I checked my card activity online and noticed several purchases for XXXX. <P/>On XX/XX/XXXX, I contacted Chase Slate # and reported the erroneous charges. I inquired as to why activity was appearing on a chard that should be closed. Person on the phone stated that they had no record of my calling and closing the account. They stated that they are taking care of closing the account. I explained that if this is the case then it appears that these erroneous purchases are an inside job. <P/>At this point I am concerned about the credibility of this company and the security of my credit related information. <P/>Note : After contacting Chase the first time, I did find my card in the trunk of my car on XX/XX/XXXX. The card has been in my possession and I did not authorize any of the erroneous purchases.
Product: Credit reporting or other personal consumer reports

Dear Experian Dispute Department, Pursuant to Section 609 of the Fair Credit Reporting Act ( FCRA ), I am requesting verification and removal of the following accounts that do not belong to me. These accounts have been incorrectly reported under my credit file, and I demand their immediate deletion unless verifiable proof is provided. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FCRA Section 609 Request : I am requesting full verification of these accounts, including all original documentation proving my legal obligation. If such documentation can not be provided, you must remove these accounts under 15 U.S. Code 1681g.

FCRA Section 611 Request : As outlined in 15 U.S. Code 1681i, you are required to conduct a reinvestigation of these accounts within 30 days. If you can not provide evidence that these accounts are accurate, they must be deleted immediately. 

If this matter is not resolved within 30 days, I will file a complaint with the Consumer Financial Protection Bureau ( CFPB ) and consider legal action for noncompliance.
Product: Debt collection

I took a look at my credit report last week on the XXXX of XXXX. I notice that there was a collection from Monterey collections in the amount of {$1900.00}. I tried reaching out to them from a number that I found on XXXX but no one picked up. I have not received any letters or calls about this debt.
Product: Credit card or prepaid card

I have written & mailed and provided my approval of state funding to help with rents and they still are calling 24/7. 
They wont make a offer to lower each balance on XXXX {$380.00} offered {$120.00} XXXX {$540.00} offered {$200.00} I have been making XXXX - XXXX payments once or twice a month, since I found employment.
Product: Credit card or prepaid card

Re :   USAA  Credit Card  Number  ending  XXXX . Dispute Resolution amount {$200.00} I AM REFUSING TO PAY THE AMOUNT. WHAT KIND OF A CREDIT CARD COMPANY AND I DEALING WITH HERE. I NEVER RECEIVED THE GOODS SO WHAT AM I PAYING FOR?. I AM YOUR CUSTOMER AND I CAN NOT GET A HOLD OF THIS MERCHANT SO I KNOW USAA NEVER DID A GOOD FAITH INVESTIGATION. NO TRACKING AND NO DELIVERY OF THE ITEMS AND NOW YOU TELL ME I HAVE TO PAY {$200.00}. NOT IN THIS LIFETIME. NEXT I WILL BE WRITING TO THE  CEO  AND WILL NEVER PAY FOR GOODS I NEVER RECEIVED. AGAIN SEE BELOW  : 1 ) I  purchased the Goods from this merchant ( SNEAKERS ).      2 )  The SNEAKERS were never shipped and or received.      3 )  I contacted the  XXXX   XXXX  XXXX  XXXX ?  XXXX  and requested update as far as the delivery or tracking numbe r 4 )  Received no response from Merchant as of this writing.      4 )  Please Refund the {$200.00} for item purchase but not shipped by Merchant.
Product: Debt collection

AR Resources Inc contacted me on my cell phone on XXXX/XXXX/15 claiming to be a debt collector, but they would not tell me who they represented until I verified my PII ( including the last XXXX of my social security number ), which I would not do because I know I have no outstanding debts. They refused to tell me who they represent, so I told them that was against the law and they ended the call. Friday XXXX/XXXX/15 I received a paper collection notice in the mail from AR Resources Inc, claiming to be collecting on behalf of XXXX in the amount of XXXX. I did have XXXX claims for that provider, XXXX on the date of service they listed ( XXXX/XXXX/15 ), but the amounts did not match either claim, both which have been paid. I logged into my insurance website to review my explanation of benefits. The standard charges for services rendered that date were XXXX and the contracted rate between XXXX and the provider was paid on XXXX/XXXX/15 in the amount of XXXX. This company is trying to collect the difference between the standard fee and the contracted fee the provider would charge, which is fraudulent. That amount does not exist to be collected by anyone, as the contracted rate between the insurance company and the provider has been paid. They were aggressive on the phone and refused to identify themselves and now, they are trying to collect on a debt that does not exist.
Product: Checking or savings account

On XX/XX/2021, BOA unilaterally closed my bank account without any notice, and seized all account funds in it ( approx. {$22000.00} ). BOA sent a letter notifying me of the account closure, but no reason was given. After a visit to my local BOA branch office, and repeated calls to BOA, I finally learned that my account closure was due to " Suspected ACH Deposit Fraud '' on the account ( there was none ). BOA never reached out or communicated to me in any way before closing the account. The funds in this BOA bank account were my California Employment Development Department ( CA EDD ) benefit, which I have been regularly transferring into this checking account. BOA has now closed this account for no legitimate reason, and the funds are gone. I emphasize that my CA EDD benefits are all qualified/legitimate, as is all activity on this bank account. There is absolutely NO FRAUD in this matter.
Product: Mortgage

Mortgage fraud - appraisal fraud - responses that are lies and CFPB that does absolutely nothing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had an account with XXXX XXXX XXXX  card it went delinquent an we work out the deal to put the balance on another account an they reopened the account with a new balance an they have not updated they still showing old card open
Product: Credit card or prepaid card

Citi Bank, per my citi MasterCard has liquidated my account, and online services and ability to pay by phone 24/7 ( through an automated system ) has be discontinued. NOTE the account was closed in XXXX during the financial crisis because the credit card wanted to increase my interest for no valid reason or gave me the option to close to prevent the increase. But now Citi has liquidated this account, when it is almost paid-off and payment options are so poor, it sets one up to miss making a payment. 
The service phone number on my statement takes me to agents who can not find my account or help me. I work during the day and the only time the phone line is available for service is during business hours and I struggle to call during breaks at work and this is not how customer service should occur.
Product: Mortgage

In XXXX of XXXX, we had a house fire and the insurance company paid myself and the mortgage company, Fay Servicing, a lump sum of {$530000.00} in order to rebuild the home. I began construction in XX/XX/XXXX after delays due to covid, permits, and material shortages and I personally have invested {$200000.00} from my own funds in order to start building my home. Fay Servicing inspectors have come out to inspect the home and according to them the home is more than 50 % complete which warrants the mortgage company to release my funds. The inspector was told to purposely downgrade the inspection from 50 % to 39 % ( I have text message proof from the inspector ). Until today XX/XX/XXXX, Fay Servicing has only released {$60000.00} of the funds in order to build my home and is refusing to release the rest of my funds to rebuild the home. They have held my funds for such a long timeframe that at this point my insurance company is no longer paying for my temporary housing. I have explained to them on multiple occasions that because of their lack of urgency to release the funds I am in a situation where construction has halted, and I can not afford to pay the mortgage and pay for my own temporary housing. I feel that Fay Servicing is purposely engaging in deceptive practices so that I go into foreclosure and they can keep the funds that were meant to rebuild my home. I desperately need help and I can not afford to hire attorneys, pay for my mortgage, or temporary housing because all of my funds are invested into rebuilding my home.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX added me to an account, with a full payment history I never had knowledge of. I have only had " one account '' with this company which comes directly to my home in XXXX XXXX. I & got a full history from an address I have not lived in, in over 12 years.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act government account # XXXX has violated my rights 15 usc1681section 602 A section 2 it also states in Have right to privacy 15usc 1681sectiion 604 A section 2 also states a consumer reporting agency can not furnish an account without my written instructions 15 usc 1666B a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late fee purpose
Product: Credit reporting or other personal consumer reports

XX/XX/year> Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report. 

Dear CFPB, I am submitting this formal dispute regarding inaccurate information on late payments reported on my credit file maintained by TransUnion for the account XXXX with XXXXXXXX XXXX XXXXXXXX. Despite sending previous requests for correction ( letters dated XX/XX/year> and XX/XX/year> ), no action has been taken, which violates both the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
FCRA Non-Compliance Under 15 U.S. Code 1666b, creditors are obligated to provide periodic statements at least 21 days before a payment 's due date. The erroneous reporting of late payments on this account indicates a failure to adhere to this requirement. Furthermore, 15 U.S. Code 1681i compels credit reporting agencies to ensure the accuracy of information in consumer records, which has not been upheld in this case.

TILA Non-Compliance The Truth in Lending Act ( TILA ) stresses the importance of providing accurate and timely disclosures to consumers. The incorrect late payment reporting has unfairly damaged my credit score, thereby breaching this obligation.

Protection Against Non-Payment of Obligations Act ( PAANL ) This act also mandates that creditors issue timely statements to avoid unjust penalties to consumers. The late payment reporting discrepancies on my account suggest a failure to meet this responsibility, resulting in unfair damage to my credit. 
Discrepancies in Payment Reporting For the account with XXXX XXXX XXXXXXXX, the following discrepancies have been observed across the credit bureaus : TransUnion : The account incorrectly reports a 30-day late payment in XX/XX/year>, a XXXX late payment in XX/XX/year>, and a 90-day late payment in XX/XX/year>. These reports are inaccurate, as all payments were made on time and the account was on autopay. 
Recurring Errors The persistent incorrect reporting of late payments across TransUnion, XXXX, and XXXX reflects a pattern of inaccuracies. These late payments have been wrongly reported even though my payments were made on time and the account was on autopay. 
Request for Immediate Resolution I request that these inaccuracies be promptly corrected and that the incorrect late payment notations be removed from my credit report. The information should be updated to reflect my actual payment history, which is 100 % on-time. If this issue is not addressed within 30 days, I will pursue further action, including legal steps and filing additional complaints with regulatory agencies to safeguard my rights as a consumer. 
Thank you for your swift attention to this matter. I look forward to receiving written confirmation of the resolution. 
Sincerely, XXXX XXXX XXXX