23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that an account was erroneous. The credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX
Product: Credit reporting or other personal consumer reports

The following accounts are not mine and do not belong to me. I am a victim of identity fraud which is preventing me from purchasing a home due to the fraudulent items reported on my credit report. I have attached my FTC report for your review. Failure to not comply will result in a lawsuit. the law prohibits you from reporting fraudulent information to my credit report I demand immediate deletion and blockage from any future reporting. 


XXXX. Provide a complete log regarding dates and times you attempted to contact me. If this alleged account was established by another party, then please detail your relationship- i.e., whether you are reporting this information as an assignment or whether you have purchased an alleged account outright. Also provide the account details for at least a year leading to this action, as well as any collection fees or interest and, if you are a third-party collector, your license or bond to collect in my state so that I may confirm your identity. Should you be unable or unwilling to answer, then you should respect my consumer and privacy rights and remove the damaging trade line from my credit reports immediately.

I demand that you show me a copy of the items listed in this letter as well as stated below if you can not produce these items, you must delete them.

2. 1. Validation of the debt-that is, the actual accounting.

3.

4. Verification of signed Invoice.

5. A copy of the Contract binding both parties ( you and them ), in a letter by certified mail so that there is an independent witness to it having been delivered.

6. Please provide the original docurse and wet signature if you can't provide these items Delete them.
Product: Checking or savings account

The amount taken from my accout was XXXX dollars. I filed dispute on XX/XX/XXXX XX/XX/XXXX and another day cant remember exact datebbut k tried three times explain my situation to bank and they would give me my money
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my consumer report in XXXX of 2022. I noticed that there are several accounts in my report that I did not give consent to be furnished. Pursuant to 15 USC 1681b ( 2 ), " consumer reporting agencies may furnish consumer reports in accordance with the written instructions of the consumer to whom it relates ''. I never instructed any consumer reporting agency to furnish or create a report. This is a direct violation of federal law of my right to privacy. I demand that the following accounts be removed : old addresses and phone numbers, any and all late payments, charge-offs, and collection accounts.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX account is showing first delinquent date past XXXX Statute of Limitations law of XXXX  years request removal from all Consumer Reporting Agencies
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX was never late! I have had exceptional payment history with ( CREDITOR NAME ) 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 paymen t 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 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 or other personal consumer reports

I REQUESTED TRANSUNION TO REMOVE THE ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX XXXX AS IT IS A DUPLICATE ACCOUNT OF THE XXXX XXXX XXXX XXXX WHICH ALSO APPEARS ON MY TRANSUNION CREDIT REPORT
Product: Vehicle loan or lease

Notice of Right to Rescission NOTICE TO AGENT IS NOTICE TO PRINCIPAL AND NOTICE TO PRINCIPAL IS NOTICE TO AGENT Re : Acct # XXXX Pursuant to 12 CFR 1026.15, I XXXX XXXX, consumer of the consumer credit transaction in reference am exercising my right of rescission. I have never been given the required Notice of Right to Rescind in regards to this transaction. If the required notice and material disclosures are not delivered, the right to rescind shall expire 3 years after the occurrence giving rise to the right of rescission. By federal law, Regional Acceptance Corporation is required to provide two copies of the notice of the right to rescind to each consumer entitled to rescind ( one copy to each if the notice is delivered in electronic form in accordance with the consumer consent and other applicable provisions of the E-Sign Act ). The notice shall identify the transaction and clearly and conspicuously disclose the following : ( 1 ) The retention or acquisition of a security interest in the consumer 's principal dwelling.

( 2 ) The consumer 's right to rescind, as described in paragraph ( a ) ( 1 ) of this section.

( 3 ) How to exercise the right to rescind, with a form for that purpose, designating the address of the creditor 's place of business.

( 4 ) The effects of rescission, as described in paragraph ( d ) of this section.

( 5 ) The date the rescission period expires.
Product: Debt collection

XX/XX/2023 certified mail # XXXX. Requesting all documents/ agreements and or contracts between myself and or Shell Point . An affidavit of Truth stating they were that they were including a copy of the promissory note. All statements and documents needed to be notarized under oath. 
I have stated I have never entered into a contract/ agreement with this company nor have I ever heard of this company. Valid Proof of fiduciary agreement between myself and this company. 
included a notice of intent and fee schedule. 
USPS delivered these documents to Shellpoint on XX/XX/2023 at XXXX XXXX I have received the return receipt from this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXXXXXX 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 Balance : {$390.00} ; XXXX XXXX XXXX XXXXXXXX Balance XXXX {$290.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXX Balance XXXX {$2600.00} XXXX XXXX XXXX XXXXXXXX Balance : {$930.00} ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

Western union charged at XXXX {$3500.00} XXXX XXXX 2020. 
If I contacted Western Union, they can not find that transaction. I didn't do this transaction at all!

WU refuses me refund and said to contact my bank which I did. Bank said contact WU.

None of these institutions is responsible for refund charging me {$3500.00}!

WU can not see that transaction in their system! They asked me for proof of charge that amount, because they can not find that transaction in their system! Obviousely I have sent details about the transaction at XXXX and XXXX XXXX.
Product: Checking or savings account

On XX/XX/22, I opened a checking and savings account and funded the same day with {$75000.00}. Citi had a promotion that paid {$1000.00} bonus after keeping the account for 90 days. I received an email that says : " to receive a Cash Bonus : Deposit New-to-Citibank Funds into your new checking account OR between your new checking account AND a new Citi Savings Account within 20 days of account opening. The balance on the XXXX calendar day after you open your account will determine your maximum Cash Bonus. * '' I did as they instructed and left the $ XXXX in the account. Now they want to renege on the bonus. 
I have spent hours on online chat and on the telephone. During the last call, I was told I would get a call back immediately because the line we were on was so bad. I didn't receive a call back.
Product: Credit card

I had store charge cards from XXXX and Best Buy opened up in my name without my consent. I have contacted the companies to close those accounts and have claimed that they were fraud. I had over {$2400.00} spent at best buy on that card and {$800.00} spent at XXXX in the form of gift cards from what customer service told me. I have since frozen all my credit accounts on XXXX XXXX XXXX XXXX  as well as filed a police report.
Product: Debt collection

I have acomplaint about Medicredit, a medical debt collection agency, arising from services rendered at XXXX XXXX XXXX. 

I visited an XXXX XXXX for XXXX  and XXXX  tests in XX/XX/2022. At the time of my visit, I provided my insurance information ( XXXX  ). I nevertheless received a bill for the full amount owed ( {$780.00} ) as if I were a self-pay ( uninsured client ). I provided my insurance information on multiple occasions, but XXXX continued to send bills. I contacted my insurance company and was informed that XXXX had not submitted a bill they could pay. 

Beginning in the fall, I began to receive repeated letters and harassing phone calls from Medicredit, a debt collection agency. I informed Medicredit that I have insurance, which they promised to bill. I also followed up with XXXX and was told that the bill would be removed from collections. I have received multiple harassing phone calls from Medicredit since XXXX informed me they would take the bill out of collections. 

Therefore, I have XXXX  complaints : ( XXXX  ) Harassing phone calls; and ( XXXX  ) This is not my debt -- this debt should be sent to my insurer. 

Thank you for your assistance.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFBP 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 findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leasing users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian are not properly investigating my accounts I sent over documents from my state general to remove XXXX XXXX XXXX  because I went to court about XXXX XXXX XXXX  and they drop the case because I didnt owe any money. So this account is Illegal and needs to be removed from my report. They are breaking the FCRA LAWS They are supposed to be reporting accurate information for consumers. They are making my Character look bad by reporting the wrong information. I will sue Experian for Defamation of character and causing me and my family harm for Falsely reporting. They are causing me a mental breakdown I have not been eating in weeks and really getting sick because of them I have my lawyer working on this for me because they are breaking the law
Product: Credit reporting or other personal consumer reports

I sent out a letter to Experian last month disputing an account called XXXX XXXX XXXX XXXX XXXX XXXX with account number XXXX. The collection agency was reporting a false Date of first delinquency ( DOFD ) to all three credit bureaus. For instance the collection agency reported XX/XX/XXXX as its Date of first delinquency. However, like I said in the letter, there was already a balance carried over from the past into the XXXX month. The date of first delinquency ( DOFD ) is the date when an account first became delinquent, meaning a payment was missed and not brought current. It's an important date because it determines how long negative information about a late payment will remain on a consumer 's credit report. Experian, the reason for your estimated date of removal ( XXXX of XXXX ) was ever calculated, was because you got a false date of delinquency from the collection agency. Your job in this dispute was to investigate, and find the correct date. You did not do your due diligence. The Fair Credit Reporting Act ( FCRA ) states that negative entries can only remain on a credit report for seven years from the DOFD. It's also used to ensure that consumers aren't penalized with negative credit reporting for longer than allowed by federal law. CFPB, these are the laws you are obligated to enforce and the credit bureaus must abide by. Section 605 ( a ) of the FCRA identifies categories of information that can not be included in a consumer report after a certain amount of time. This provision enables consumers to move beyond their past and rebuild their credit following a delinquency. The Date of First Delinquency provided by a furnisher must reflect the month and year on which the delinquency being reported commenced. 
When accurate, that date corresponds with the start of the time period that, once elapsed, precludes the delinquency from remaining on a consumer report under FCRA section 605 ( a ). A Date of First Delinquency that is more recent than the start of a delinquency may lead a report user to believe a consumer had financial difficulty more recently than is the case. Similarly, a Date of First Delinquency reflected on a report where a consumer is not in fact delinquent could cause a user to inaccurately believe that the consumer is delinquent. Since the real DOFD started before XX/XX/XXXX, which you can not argue as they took the luxury to give me documentation that goes literally against their claim. If you look carefully on the statement given to me, you see BALANCE AS OF XXXX {$2700.00} was allegedly owed. That means, there was delinquency way before XX/XX/XXXX. Experian was supposed to investigate where the {$2700.00} began out of the {$4200.00} XXXX XXXX XXXX is trying to pursue. is in violation of FCRA law.
Product: Checking or savings account

I filed a dispute for an unauthorized charge to my debit card, the charge was made on XXXX for 100.00, I contacted XXXX and was told that they will no reverse the charge, I contact Navy Federal credit union and filed a dispute. I receive a notice on or about XX/XX/2019 stating that their investigation was completed and the temporary credit was charges back to my account
Product: Credit reporting or other personal consumer reports

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with EXPERIAN.COM and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

My address is not correct on any of my credit reports and is keeping me from conducting business which is against the law for the Credit bureau to interfere with commerce. The address listed XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX is not an accurate address because I have not lived at that address for over 20 years. it was a childhood address. The XXXX address needs to be removed. The bureaus refusing to make these corrections constitutes as willful ignorance and Civil Liability for Willful Noncompliance underneath U.S. Federal law and has grounds for penalties of {$1000.00} per each violation not corrected under U.S.Code 1681 ( n ) .he relevant US code for credit bureaus not updating correct information on a credit report is 15 U.S.C . 1681 et seq., also known as the Fair Credit Reporting Act ( FCRA ) ; this law requires credit reporting agencies to maintain reasonable procedures to ensure the accuracy of information on consumer credit reports, and also outlines consumer rights to dispute inaccurate information on their reports. 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies states that if the information on the credit report is wrong it must be corrected. If credit bureaus violates the FCRA, consumers can sue for statutory damages ranging from {$100.00} to {$1000.00}, even if they can not prove actual harm. i was a victim of Identity theft and data breach through XXXX and Experian.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are a few items reporting on my credit report that does not belong to me. Please remove the following items from my credit file. I have since contacted an attorney because Equifax and XXXX has failed to respond to my dispute and it has been more that 90 days since I disputed the following items. 

XXXX Loan - Bal : {$0.00} ( Equifax Only ) XXXX XXXX - {$1100.00} ( XXXX & Equifax )
Product: Credit card or prepaid card

I opened an account with Bank of America in XX/XX/XXXX. I had recently started my new business within a year ( XX/XX/XXXX ) of opening an account with BOA. I was provided a business credit card and a personal credit card which when looking at the statement, it combined the 2 cards with providing the credit card balances and the total credit limit. I mistakingly made payments to the business credit card verses the personal credit card account which led to a 30 day late. I called BOA to explain that it was an oversight on my part and I immediately paid what was due for my personal card. I verbally asked if this could be forgiven as the statement was confusing. The said they would submit a request for it to be removed. I made several phone calls since that time and have rejected my request for removal from my credit report. I have an excellent record of paying on time.It is now causing me a financial hardship for my new business as it is driving down my credit score and lenders are refusinf to consider me for a loan because of the 30 day late on my 3 credit reports. BOA refunded me the {$29.00} late fee with ease. The time frame is from XX/XX/XXXX to the current month of XX/XX/XXXX. I am uploading documents I have available. I WANT TO CLARIFY, THE LAST TO PAGES OF THE UPLOADED TBOA DOCUMENT IS TO SHOW THAT THEY ARE REDUCING MY CREDIT LIMIT TO MY BUSINESS CREDIT CARD DESPITE MY ON TIME PAYMENTS ( THIS WAS JUST AN EXAMPLE TO SUPPORT THAT I BELIEVE I AM BEING TREATED UNFAIRLY ) I ONLY WANT THE ACCOUNT NUMBER LISTED TO BE ADDRESSED in this complaint. Thank you kindly for your assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am authorized on my spouse 's credit cards. The cards used to show up on my Equifax report. In the span of one month, all cards were removed from my credit report. This is not an issue with any other credit reporting agency. Only Equifax.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account XXXXXXXX XXXXXXXX has violated my rights. 

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
Product: Credit card or prepaid card

XX/XX/2021 Synchrony Bank blatantly closed all Store and General Purpose Visa & Mastercard Accounts with them when I Refinanced a mortgage and Paid 5 of the credit cards with Synchrony down to less than 1 %. I have never been late with any payment and all account are even set up on automatic recurring payments. I refinanced a mortgage and paid off some credit card debt. So my debt to income was actually lower for my new mortgage payment would be lower. 

The same time they closed all accounts they received over XXXX XXXX dollars in payments for accounts ( XXXX XXXX, XXXX and XXXX ). 

The mortgage with XXXX for XXXX had been paid off in full which was a monthly payment of {$890.00}. It was replaced with a mortgage of XXXX with a monthly payment of {$660.00}. 

Again XXXX had not update my report so both mortgage were being shown, I informed Synchrony of this to no avail.
Product: Student loan

In   XXXX  , I contacted my student loan servicer  ( Nelnet )   about enrolling in the  Public Service Loan Forgiveness  program. In order to qualify, I was advised to change from a standard repayment plan to EITHER an extended or income-based plan.  Nelnet  has documentation that this was the advice that I was given. On the basis of this advise, I switched over to an extended plan, only to find out  three years later ( on my own - not through Nelnet ) that the 30+  loan payments I made while working for a qualifying  XXXX  ( c )  XXXX  nonprofit do not count toward the  120 payments that I need to make for my loans to be forgiven because despite what I was told by Nelnet , only the income-based plan - not the extended plan - is considered a qualifying plan under PSLF. I contacted Nelnet  and they acknowledged that they gave me incorrect advice, but refused to take any action to rectify the situation. Who knows how many people besides me are enrolled in extended repayment plans under the false impression that their payments are counting toward their debts being forgiven due to shoddy advice given to them by their loan servicer.
Product: Credit reporting or other personal consumer reports

Hello, I would like you to help me remove this from my report. My credit is getting really bad because of this. 

XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX, New York XXXX XXXX - XXXX $ ( XXXX ) XXXX Account Name : XXXX XXXXXXXX Account number : XXXX Balance {$75.00} Account Name : XXXX XXXX XXXX Account XXXX Balance {$0.00} Account Name : XXXX  Account XXXX Balance {$0.00} INQUIRY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX