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

My name is XXXX XXXX and Social Security Number : XXXX, and Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to XXXX XXXX XXXX XXXX XXXX XXXX XXXX that you shall block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : Account Name : XXXX XXXX  # XXXX - Opened on XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX - Opened on XX/XX/XXXX Account Name : XXXX # XXXX - Opened on XX/XX/XXXX Unauthorized Inquiries : XXXXXXXX XXXX XXXXXX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX  credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX. was never late! I have had exceptional payment history witH XXXX  XXXX 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 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 those account 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 XXXXXXXX XXXXNever 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

SECU refuses to properly report my mortgage account to the credit bureaus - although it is paid every single month, and has NEVER been late. Doing this has caused me to be denied credit - companies indicate that due to my not having real property/real estate on my credit file they can not extend me credit. However, I pay {$1500.00} monthly to SECU - and get zero recognition of that fact. 

I have attached our most recent mortgage statement that does show that I am actually the primary on the account. 

SECU claims that since I filed XXXX XXXX bankruptcy during the pandemic that they can refuse to report my paid as agreed mortgage - I do not see how this should be allowed.
Product: Credit reporting, credit repair services, or other personal consumer reports

transunion is still falsely reporting mariner finance on my report. they tell me there are XXXX accounts with that name but i see multiple, more than XXXX. plus they changed the investigation date without telling me. i keep providing all of these documents but they still report the accounts. this is against the fcra
Product: Credit card or prepaid card

capital one is my favority bank i feel deceived no scripts in the response. but i asked on XXXX for 3 months to pay it without interest i am being given scripts.no no no refunds and while this bank has refunded the fees it has resulted in increased business from me as a result. now i am getting stonewalled so i am not using ctedit cards at all my 3 accounts. I am loyal i know you hvae been loyal but now i am being stonewalled. with scripts. i use the card due to loyalty. y advice get to know your customers better. i cant use my cards now. i am responsile i know interest is valid but after 12 years you cant help me but a new customer ok then i will go elsewhere. FINANCIAL industry get to know your customers better.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX and Equifax credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$8700.00}
Product: Credit reporting or other personal consumer reports

I checked again my credit report and found that some of the data were incorrect. The XXXX credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX Balance : {$490000.00} XXXX XXXXXXXX Balance : {$470.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$93.00} XXXX XXXX Balance : {$740.00} XXXX XXXX Balance : {$1000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under any open end consumer credit plan as late for any purpose.
Product: Credit card

XX/XX/15 {$17.00} refusal to adhere to return policy and discover doesn't feel like its there job to assist customer only merchants
Product: Debt collection

Multiple calls from this debt collection company regarding a debt that is not mine. XXXX - midland credit management, they keep calling for someone else 's debt. Have advised them they need to stop calling but they keep calling.
Product: Debt collection

Hello, I originally mailed my credit dispute letters to XXXX, XXXX, & XXXX  on XX/XX/XXXX. 

I am disputing the following items with the alleged amounts below : 1 ) AD ASTRA RECOVERY SERVIC - {$2200.00} - XXXX XXXX 2 ) XXXX XXXX XXXX- {$200.00} - XXXX XXXX 3 ) XXXX/ XXXX  XXXX  XXXX XXXX {$220.00} - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1000.00} - XXXX XXXX My dispute letter contained the following details : To Whom It May Concern : Upon checking my credit report, it has been notified that there are negative and inaccurate  information shown. I have no knowledge of these accounts. 

Please validate this information and provide me with copies of any documentation associated with this account, bearing my signature, validating claimed debt by proof of your legal right to collect, an accurate accounting of the amount, identity verification such as ID, Social Security card, voice recording and a copy of the original account agreement or a signed copy of your original contract. 

If this verification documentation can not be provided I would kindly like for this information to be deleted off my consumer credit report. 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section, and I am keeping a careful record of your actions, including your Method of Verification. I do not consent to e-oscar or any means of automated verification. Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$3000.00} per violation for : Violations of the Fair Credit Reporting Act ( FCRA ), Violation of the Fair Debt Collection Practices Act ( FDCPA ).
Product: Credit reporting, credit repair services, or other personal consumer reports

My mother in law ordered a gift for my birthday from the tender filet website on XX/XX/22. She accidentally put my name and address in the to be billed section. The Tender filet company did a hard inquiry on my credit. My mother in law called the company and had them cancel the order. The way I found out about the hard inquiry was from XXXX XXXX. They sent me the alert today. XX/XX/22
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX account # XXXX name XXXX XXXX XXXX  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 602 A. It also states a consumer reporting agency can not furnish account without written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX I opened a dispute with Experian about my student loan from the Department of Education. This Loan was Opened on XX/XX/XXXX in the amount of XXXX. 

I made a dispute with Experian in XXXX about having the account removed but was unsuccessful. Although the account had a late payment, it has been well over 7 Years from the Opening date. This is having a negative impact on my score which is unfair being that the account is very old. I tried to submit a dispute with Experian again on XX/XX/XXXX, but Experian denied to request because I made a prior dispute. 

The Fair Credit Reporting Act prohibits background screening firms from reporting any arrest record or adverse non-conviction information older than seven years. This account is negatively impacting my credit score and is unfair being that the account is very old.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigaie my disputes regarding inaccuracies in my credit report.

Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX Subject : Urgent Request for Resolution Regarding Unauthorized Credit Card Reporting Dear Sir/Madam, I am writing to express my deep concern and frustration regarding the continued reporting of a credit card account in my name by XXXX XXXX XXXX XXXX XXXX despite my repeated requests for its removal. 

Earlier this year in XXXX specifically, I mailed in an authorization notice, called, and even sent written communication requesting that this credit card be removed from my account ( See attached Request form from Back then ). I was assured by your representative that the credit reporting associated with this card would no longer reflect on my credit score. Unfortunately, despite these assurances, the issue has not been resolved.

Recently, while applying for a loan, I discovered that this erroneous credit card is still being reported, which has adversely affected my credit score. This situation is not only causing unnecessary stress but is also damaging my financial standing. 

It is clear to me that the systems in place at XXXX XXXX XXXX XXXX are failing to address this matter appropriately. As a result, I am escalating this issue through the Consumer Financial Protection Bureau ( CFPB ) to ensure that it receives the attention it deserves. 

I demand immediate action to correct this error and to remove any adverse information related to this unauthorized credit card from my credit report. Please provide me with written confirmation that this matter has been fully resolved and that my credit score will not be negatively impacted by this issue in the future. 

Thank you for your prompt attention to this critical matter. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I'm in disagreement with the account listed below which still appears on my credit report, even after your Investigation.

I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score XXXX XXXX XXXX XXXX ( XXXX ) In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, please provide the names and business addresses of each individual with whom you verified the account, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation.
Product: Mortgage

Select Portfolio Servicing ( SPS ) stated they have made all of the required corrections to my Escrow account but failed to address the following : Fixed loan with no changes to the terms transferred from XXXX to XXXX on XX/XX/XXXX The XX/XX/XXXX statement shows Principal {$250.00} I : {$350.00} Tax & Ins. {$280.00} monthly pymt {$890.00} next payment due XX/XX/XXXX. 
SPS states they corrected the XXXX XXXX insurance premium In XXXX from {$3600.00} to {$2200.00} after receiving the policy XX/XX/XXXX dated XXXX and 6 escrow analysis later. Escrow Only Check # XXXX dated XX/XX/XXXX for {$1400.00} was finally put back into my escrow acct. in XXXX! 
1. The XXXX XXXX payment amount should also reflect SPS corrections P : {$250.00} I : {$350.00} Tax {$1200.00} & Ins {$2200.00} divide by 12 = {$280.00} amount due monthly for 12 months {$900.00} Not {$960.00}. I overpaid {$68.00} monthly X 9 months = total overpaid in XXXX {$610.00} I acknowledge payments XXXX XXXX were applied to missed payments XXXX through XXXX. XXXX XX/XX/XXXX applied to XXXX. XXXX payment and additional payment on XX/XX/XXXX {$2900.00} caught up the months leaving me a credit on the {$2900.00} of {$200.00}. 
Total overpaid in XXXX {$610.00} + $ XXXX {$810.00} SPS states they corrected the XXXX XXXX XXXX insurance premium In XXXX from {$2900.00} to {$2000.00} and 2 escrow analysis later 2. Therefore, the new payment should also reflect SPS corrections P : {$250.00} I : {$350.00} Taxes {$1100.00} & Ins {$2000.00} divide by 12 = {$260.00} amount due monthly for 12 months {$880.00} Not {$960.00}. I overpaid {$88.00} monthly X 12 months = total overpaid in XXXX {$1000.00} Between XXXX XXXX XXXX, I have overpaid {$1800.00} according to corrected policy and escrow # 's. Since SPS claims to have corrected things in Escrow without ever correcting/addressing my monthly payment amount which has remained constant at {$960.00} how? and since Insurance and taxes have decreased in years and have always been included in monthly payments as seen on statements. There is NO way to have an Escrow shortage. With {$1400.00} in escrow when loan was transferred. SPS calling a cash advance to pay taxes and insurance an escrow shortage when in fact my insurance and taxes are included over my 12 monthly payments SPS owes me {$1800.00} and there is NO escrow shortage as I have pulled my insurance for the XXXX year.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2015 there was an unsecured account open under my name and social security number due to identity theft and fraud in the amount of {$3100.00}, I have tried to have this removed from my credit report and tried speaking to the reporting credit bureau which is Experian to have it removed and never put back on my credit report. The company name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX on my Experian credit report.
Product: Credit reporting or other personal consumer reports

I hope this complaint finds you well. I'm demanding that EXPERIAN delete-da this alleged account immediately. I'm expressing that I have the capacity to overstand my federally protected rights. They have NOT provided me PROOF of ANY documentation of my red wet-ink signature, that proves this alleged account belong to me. EXPERIAN has successfully humiliated me. As a consumer under my federally protected rights, I have NOT given any company, or persons written instructions or verbal permission to list these alleged accounts. THAT IS A VIOLATION ACCORDING TO XXXX XXXX XXXX I will not accept these violations and will be seeking litigation in a small claims court against your company, seeking {$1000.00} for EACH violation for EACH month for DEFAMATION, NEGLIGENT ENABLEMENT OF IDENTITY FRAUD, VIOLATIONS FOR THE FAIR CREDIT REPORTING ACT, FINANCIAL INJURY, PENALTY OF PERJURY ( XXXX XXXX XXXX AGGRAVATED IDENTITY THEFT ), VIOLATIONS OF XXXX XXXX XXXX, XXXX XXXX XXXX ( ABUSIVE PRACTICES ), XXXX XXXX XXXX ( PERMISSIBLE PURPOSES OF CONSUMER REPORTS ), XXXX XXXX XXXX XXXX XXXX ( MISLEADING FALSE REPORTING ), XXXX XXXX XXXX ( TIMING OF PAYMENTS ). I hope this issue can be resolved PROMPTLY! 
Also, please be aware that I'm aware of the lawsuit that the CFPB has filed against the agency EXPERIAN for falsely claiming to investigate claims properly.
Product: Credit card or prepaid card

XX/XX/XXXX order new computer on XXXX XX/XX/XXXX XXXX contacted me by email stating my card was being declined. I contacted them by phone & they said my credit card company ( Netspend ) was not letting the transaction go through. I didnt understand since the money {$1400.00} was in my account & now was deducted & shows a pending transaction on my Netspend account. I asked XXXX to cancel my order which they did. I waited a wk & have not received my money yet. I called Netspend & they told me to email them proof. I sent the orgianl receipt & cancel receipt. Waited another couple days & they told me I had to email a explanation of what happenend. I did sent them an email explanation & waited another couple days & still have not received my refund. XX/XX/XXXX I called back & talked to a mangager & he said my refund was declined because the receipt is for {$1400.00} which is the total amount XXXX charged me for & Netspend shows {$1400.00} on their side. I tried to explain to them that they are the ones who charged me for the extra {$1.00}. Every time I use my card they charge me a {$1.00} & they should see all my transaction how it shows that. They still refused. I called the main office in XXXX, TX & left voice mail messages & no one has gotten a hold of me.
Product: Checking or savings account

I deposited a check into my Chase bank account that was issued to me by a former company I worked for. They had a company paid pension plan that they decided to do away with and offered lump sum payments to former employees. I worked there for 20 years and took the lump sum payment. The check was issued through a trust and the check was processed by the companys payroll department. Because the check had the trusts name on it and not the companys Chases policy of verifying checks through their computer system could not verify the maker of the check. The trust is not a business therefore there is no phone number. The trust handles the businesss financial obligations but does not have a physical office or phone number. It is just a group of people not an actual business. The name of the company I worked for is XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The trusts name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have tried everything to make Chase bank understand the situation to no avail. I have called at least two dozen times and spoken to customer service representatives, supervisors and their fraud department. I submitted a claim with their escalation department. I visited two branches and spoke with an assistant manager and branch manager. I filed a complaint with the OCC who appeared to not understand my issue. Ive been in contact with the benefits coordinator at XXXX XXXX as well as the payroll supervisor who issued the check. I ve also spoken with an attorney as well as another law firm for a second opinion both of whom are at a loss. I even called XXXX XXXX XXXXXXXX that being the bank used by XXXX and where the check came from. I have a letter from an attorney in XXXX legal team that explains everything about the trust not being a business therefore not having an actual office or phone number but Chase refuses to listen. They will not pursue human contact and only will go by their computer system ms verification process. Please help me resolve this situation. The check cleared on XX/XX/year> and Chase bank had been holding those funds hostage ever since. If you need any documentation I have the original check stub, the letter from XXXX attorney which is also signed by the treasurer at XXXX who is also a trustee as well as documents stating what the money is for and where it came from. Thank you and I look forward to hearing from you. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

An inquiry from JPMCB Card was made on XX/XX/2019 and I did not authorized this inquiry nor do I have a credit card and/or loan with JPMCB Card. I have contacted the creditor to have this inquiry removed but they won't comply.
Product: Payday loan, title loan, or personal loan

In XX/XX/2018 I took out a loan of XXXX. XXXX takes out XXXX dollars every 2 weeks. Upon trying to pay off the loan in XXXX, the payoff is only XXXX. In California the legal interest rate for a XXXX dollar payday loan is XXXX dollars. I have paid beyond that in interest. This is very illegal. My payoff should be less or completely paid off already. 

I called in XXXX. No one called back. I sent out a email in XXXX and no response. I have sent out another in XXXX.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concern regarding Zelles handling of disputes, particularly in light of the 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 that tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeated offenders to exploit the system, leaving users vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.