23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

My account with XXXX XXXX XXXX XXXX XXXX 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 in 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. XXXX XXXX XXXXXXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : XXXX, XXXX, and TRANSUNION Im writing because I see that my request as a federally protected consumer havent been acknowledge or respected and the several unlawful acts and violations of the Fair Credit Reporting Act ( FCRA ) and the Privacy Act of 1974. 
I made a request for verification and documentary evidence of these accounts and it been well over 30 days ago, to date as required by law per 15 USC 1681 To, I have not received any valid proof or heard any response from these organizations XXXX, Transunion and XXXX regarding this matter. 

I am requesting that these negative accounts be removed from my credit report IMMEDIATELY, as they are causing significant harm to my credit score and overall financial well-being. 

XXXX : ACCOUNT # XXXX XXXX XXXX XXXX XXXX TRANSUNION Date opened : *different dates Number of months ( terms ) *different numbers High credit : *different numbers Last reported : * different dates XXXX  XXXX : ACCOUNT # XXXX TRANSUNION *There are XXXX accounts of XXXX all with the same account numbers *All different information and inaccurate reporting as well XXXX : ACCOUNT # XXXX TRANSUNION Billing error on this XXXX XXXX XXXX  XXXX, never late! 
Also, violation per the Electronic Transfer Act & 15 USC 6802-OBLIGATIONS TO RESPECT TO DISCLOSURES OF PERSONAL INFORMATION. Fix this account to paid as agreed and never late or delete it as well. 


Inquiries : XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX on 15 USC 1681 b- PERMISSIBLE PURPOSE & The Privacy Act of 1974 Furthermore, I would like to remind you that under FCRA Section 611 ( a ), credit bureaus are required to conduct a reasonable investigation of any disputed information and correct or delete any inaccurate or unverified information. I am confident that upon investigation, it will be found that the accounts in question were reported in violation of my rights and once again its been well over 30 days and theres been plenty of time for your investigation and for the documentary evidence I requested. Therefore, I want the accounts and inquiries I stated above deleted the very min you get this.

I urge you to take immediate action to rectify this situation, and I look forward to hearing from you soon, By the way as stated before my address is XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, SC XXXX and any other address on my report is non-mailable and needs to be deleted as well. 

Sincerely, [ XXXX XXXX ]
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 the recent CFPB lawsuit highlighting significant issues with the platform. 

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 consumer safety. 

As a user of the platform, I feel like my information has been compromised based on these findings and I feel unsafe about the safety and security of my financial records.
Product: Credit reporting or other personal consumer reports

I have several inaccurate and inconsistencies on my credit report. XXXX, XXXX, and Equifax have been contacted via phone and mail about any and all errors on my reports but have not corrected or provided me with proof of a true investigation for my disputes. 
I have attached my XXXXXXXX XXXX  report provided by XXXX and my credit report from XXXX, A dispute response from Equifax. Here is a list of things that are missing, inaccurate, and inconsistent on my credit reports. 

XXXX Report : My name is XXXX XXXX XXXX, but is reported as XXXX XXXX XXXX My address is XXXX XXXX XXXX XXXX but there are 2 extra addresses on my report. XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX and XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX. 
My account Balance are inaccurate and inconsistent. XXXX and Equifax are the same, but XXXX is different. 
My payment history is missing payments on all my accounts. 
My report has 2 XXXX XXXX accounts that don't belong to me. One for XXXX and XXXX. 

Equifax Report : My payment history is missing payments on all my accounts. 
My report has an inquiry from XXXX that I didn't authorize. 

XXXX Report : My payment history is missing payments on all my reporting accounts. 
My report has an inquiry from XXXX XXXXXXXX XXXX thatvI didn't authorize. 
My report has 2 XXXX cards that don't belong to me. One for XXXX and XXXX.
Product: Student loan

I am writing to formally demand the immediate issuance of my refund check in the amount of {$2100.00} related to my student loan discharge under the Borrower Defense ( Sweet v. Cardona ). My loans were discharged in XX/XX/XXXX, and I was initially informed that my refund check was mailed in XX/XX/XXXX. However, despite multiple follow-ups, I have yet to receive it. 

When I contacted XXXX on XX/XX/XXXX, I was told the check was mailed and that it could take XXXX weeks to arrive. When I followed up again on XX/XX/XXXX, I was informed that the check was awaiting FSA approvalcontradicting the previous statement that it had already been mailed. Furthermore, I was then told the check had been reissued, despite the fact that I never received the original check and never requested a reissue.
Product: Mortgage

STOP FORECLOSURE : This is my homestead where I'm raising my XXXX girls, and I intend to stay and work with the lender on a solution. Specialized Loan Servicing recently sold the loan to ShellPoint / NewRez and they are practicing DUAL TRACKING- I submitted application for modification and they are reviewing it, and simultaneously posting my home for foreclosure on XX/XX/2024 XXXX XXXX I submitted a Loan Modification Application to the lender SLS/Shellpoint and it is under review XXXXXXXX XXXX XXXX XXXX Their attorney XXXXXXXX XXXX XXXX XXXX XXXXXXXX posted and sent me Notice of Foreclosure to take place XXXX XXXX XXXX, XXXX  - I called Shellpoint Servicing to get status on the modification and let them know that I received Notice of Foreclosure, they said they are reviewing modification and I submitted my information to the representative orally, and she assured me it would be reviewed and I would be assigned an account manager to help me ; never mailed me that letter, so I had the representative email that to me, which I did receive. 
XXXXXXXX XXXX XXXX - I called Shellpoint to check the status and the representative said there were NO notes on the file or any action taken for modification. He assured me that he would help and offered me a workout plan that they would send me in writing. He required a " down payment '' of {$7000.00} upfront and could not tell me the new terms of the loan modification. This seem to be predatory practices and leaving me with few options but to destroy my credit and kick me out of my house. Please Help!!
Product: Debt collection

Ive called Jefferson Capital System and other companies listed they been reporting that I have an open account with them. For numerous of years they been reporting this fraudulent account on my credit report Ive contacted them over 20 different times. To see that they are still not taking this off of my report after I have provided them with police reports Idk which way to turn Jefferson Capital Systems XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

They called me on XX/XX/XXXX @ XXXX I answered they hung up, then they called my mother in law who lives XXXX hours away and is very sick, she calles me and I told her that i would handle it. I got home at XXXX and called XXXX @ XXXX they transferred me some where else that took forever for someone to answer and then this lady came on the phone. She was rude, her dog was barking in the background, she never told me her name I asked three times who she was. she told me that I needed to pay this amount now or they was going to take me to court and get everything I owned if not jail. I explained to her that I could n't right now and I wanted to know how the debt had gone from XXXX to XXXX and I paid XXXX on it XX/XX/XXXX she said they have higher rates and I should have known that when I started the card. I told I would ot be able to do it and I and she said that I wasnt hurting her if I did or not. I told her I was not trying to hurt her, but I needed to look into this. now at the first of the call I asked her to stop calling my mother in law and so after I told her that I was not going to set up payment arganments with her she hung up on me while I was still talking. I noticed that the phone was still on so I told my husband what was going on and that I was going to talk to an attorney. Then I hung up. My cell rang again and it was her she was yelling at me telling me that I was not my husband and I was going around getting credit cards in his name she was accusing me of theft and she was going to call his job and boss to inform them about us. she called me XXXX and told me I needed to learn to pay my bills she then hung up. Then my husbands cell rang and it had a different number on the caller id so i answered it she told me that she had recorded everything and was going to give it to the client and sue XXXX me. I told her that was fine and I was charging her XXXX a minute for harassing me and my family. She said go ahead I 'm sure you can find me like you find the money to pay your bills and she hung up.
Product: Credit reporting or other personal consumer reports

I am writing to address a serious issue regarding my account and a recent violation of credit reporting practices. It has come to my attention that my account with your company Equifax was updated on XX/XX/year> with a different remark code on my credit report for numerous accounts, which is both unauthorized and a violation of my rights under the Fair Credit Reporting Act ( FCRA ). Altering a remark code without my knowledge or consent is not only unacceptable but also damaging to my credit profile. This action demonstrates negligence and disregard for proper reporting protocols, and I am requesting immediate rectification. As a result, I demand that all my accounts that were altered be permanently closed. 1. Immediate closure and deletion of my account from your records. 2. Correction of all inaccurately reported information to the credit bureaus, including the removal of any unauthorized or inaccurate remark codes associated with my account. XXXX. Written confirmation of compliance with these requests, including proof of changes made with the credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am an identity theft victim. I am writing today to dispute the following errors on my current credit report. Every one of these accounts and transactions Im disputing were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in any way.
Product: Credit card or prepaid card

I started a phone repair claim back in XX/XX/2019, I talked to people from the credit cad services to many times and people will always asked me for new documents, I specific asked one of the supervisor what do I need to resend in order for the claim to be completed and I followed step by step, 10 days later after I email for an update I got told that one bill that I send its not the right one, I send a new one again and again after 10 days me email back for an update I got told I need to resend other documents. At this point Im really frustrated and Im done resending documents, I trusted my credit card with my phone insurance and was a mistake
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX now
Product: Bank account or service

Money was unauthorized and fraudulently taken from a family members bank acct who was very ill at the time and is now deceased. The bank acct was thru Bank of America ... Can the transaction date and time be retrieved? and the actual person or persons who fraudulent took the funds from the acct?
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not have an account with XXXX I had one years ago. I do not have one now and never tried to get another one after I closed my account in good standing with them. My identity was stolen in 2022 in the process of me moving. My photo ID 's, social security cards and much more went missing. I have sent over numerous letters to this creditor along with police reports and report numbers and they refuse to remove the inquiry. I have a copy of the report slip before the numbers generated. The report number is XXXX. I live in XXXX where they do not give out paper reports and the number should be sufficient enough. This inquiry was not me and I would like it removed off of my report ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

after my social security number was hacked in XX/XX/XXXX I received a debt collection from natcred in the amount of XXXX.dollars on my credit report but that is DATED from XX/XX/XXXX it is utterly moronic first ; for a debt collector to wait 4 XXXX years to start collecting on something. 2ndly that the only process this repugnant credit reporting agency does as an investigation is contact this debt collector which they ALWAYS say yes and then im stuck with a debt on my credit report forever. this illegal and frivolous way of investigating clearly shows the bias and discrimination both XXXX and transunion have towards the customer and how well they lay in bed with the debt collector. Furthermore it makes ZERO!!! XXXX sense that after my bankruptcy filing and clearance in XX/XX/XXXX I have gone 9 XXXX years without ANYTHING!!! on my credit report UNTIL AFTER!!! this hack occurred and my social UNsecurity number is out for anyone to get and use. neither transnunion nor XXXX take a customers word as evidence but they sure as XXXX take a debt collectors based solely on the fact that they give my social security as evidence and they NEVER use common sense or logic when reviewing a credit report. since my bankruptcy I have had perfect credit until my information was hacked. and lastly it is further repugnant that transunions last response is to not believe that I XXXX XXXX am the one trying to fix my own account and there only cheap excuse to refuse to investigate and fix my credit report is a rebuttal that my social security number isn't enough to review and fix this problem. use one iota of common sense why would someone that isn't ME!!! be trying to fix my XXXX credit report you pack of XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Didnt sign any contracts to acounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

American First Finance has failed to update my payment history reflecting as paid as agreed. After company pirated unauthorized payments from my bank account to force a completion of a deferred payment plan, they failed to report my account as paid as agreed as promised. Currently this account is reporting as late to the credit bureaus causing me to be unable to secure necessary funding for my business.
Product: Credit card

Citi Bank keeps deceasing my credit card limit to the amount of money thats owed on the card. This is the third time this company has done this without any prior knowledge or consent of mine. I am not asking this company to decrease my card limits. They are doing it on their own and when I call to make a complaint about what they are doing. The reason they state is for information reported by the credit bereaus. The problem I have with that is my credit reports are frozen. And they have been frozen for years. I have not asked these people for an increase or decrease on my credit cards. I pay all my credit card bill on time. It was absolutely no reason for this bank to decrease my credit limit. I recently paid a mass payment of more than {$7000.00} on my credit card ending in XXXX and these people still decrease my credit limit to what I owed on the card ruining my debt to income ratio and lowering my overall credit score. They have done this more than one time and it needs to stop. I have not missed a payment nor given these people a reason to lower my credit limit without my consent.
Product: Credit card or prepaid card

Please see all attachments : my legal rights under the Consumer Practices Act & Fair Credit Billing Act was violated. Out of good faith, I explained they can keep the {$1100.00} that was out of pocket for the labor, but I'm not paying full service for something I didn't ask for.
Product: Credit card or prepaid card

Capitol One is reporting inaccurate and old information to my credit report. I am requesting under the provisions of the FCRA 15 USC section 1681i as well as section 609that this account be removed from my credit report immediately.
Product: Student loan

In XX/XX/2016, I was moving into a new home and starting a new job. I called fedloanservicing extremely concerned that my credit would be effected as I 'd believed I had n't made a payment on time. The employee on the phone told me not to worry and specifically positioned to me that not only was I on time, but that I could actually make my single monthly payment every three months without them being considered delinquent or negatively impacting my credit score. As I was taking on some new expenses during this transitional period and based on this new information that the employee gave me - I decided there and then on the phone that I would start make my monthly payment every three months. I wanted reassurance and a guarantee from her that this would not effect my credit at all and she told me so long as I was n't outside of three months I would be fine and that even then, it would be considered a single late payment. 
I felt so relieved ... little did I know was that nearly none of what she told me was true. Fast forward to today and I see that my good credit of around XXXX was utterly decapitated and is now under XXXX. I received no attempt at communication or warning that my account was delinquent nor in danger of having my credit damaged. 5 years of consistently on time payments and even additional payments from tax returns to help further chip away at my debt and my trust in one their employees ruins everything I 've worked for. I called fedloanservicing immediately upon finding out they 'd reported me for a whopping 10 late payments and explained my situation. This time the employee on the phone could have cared less about my situation and explained there was nothing they could do to fix my credit score. When I asked to speak to a manager they said there would n't be anything they could do either ... I XXXX fedloanservicing afterwards and saw nothing but the absolute worst professional reviews for them pop up on the first page of results. 
Do n't trust anything their employees tell you! Make your payments on time and do not stray from original payment plan you set up - if you can avoid fedloanservicing, do so as if they have the plague!
Product: Mortgage

After my loan was paid off in full, they sent me a foreclosure letter. Also, it was reported to all three credit bureaus