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

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. 
So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 


This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 
I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

After the death of my husband XX/XX/XXXX and the loss of my job, I was unable to pay the mortgage on our home. I went through the necessary steps and returned the deed to XXXX and it 's attorneys XX/XX/XXXX. It was recorded as becoming XXXX property on at the local courthouse on XX/XX/XXXX. The original deed was released to me XX/XX/XXXX. A new owner purchased from XXXX on XX/XX/XXXX. I am trying to get a mortgage for a condo I have under contract and it has been brought to my attention that all XXXX credit bureaus have XX/XX/XXXX as the date the deed was returned.Over XXXX year and XXXX months after it happened. Even though I have all sorts of proof, the mortgage credit bureau will not accept it because it has not been corrected on my consumer credit reports. Please help me! Time is of the essence.It 's hard for me to understand why this ca n't be easily corrected as the dates I am telling you are all public record at the local courthouse. We have been in contact XXXX, but this has not yet been resolved. All the documentation was rejected by the mortgage credit bureau. I 'm not sure I know the difference, but the date XX/XX/XXXX is just WRONG! Please let me know if you can resolve this for me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing Wells Fargo dealer services with XXXX for the past few months. My last time disputing this item wasXX/XX/XXXX Wells Fargo was supposed to fall of my credit file in XXXX of this year which it hasnt as of yet. My last time disputing this item they marked the account as having a late payment. XXXX has failed to follow the rule of the FCRA and is still reporting this company on my credit and its been over 7 years. XXXX has also allow a few companies to run my credit without my consent or knowledge even though I have a credit freeze on all my accounts.
Product: Credit reporting or other personal consumer reports

This is my second-time requesting that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX Balance : {$1600.00} XXXX XXXX XXXX Balance : {$160.00} XXXX XXXX SYSTEM XXXX Balance : {$230.00} XXXX XXXX XXXX Balance : {$540.00} XXXX XXXX XXXX Balance : {$100.00} XXXX XXXX Balance : {$340.00} XXXX XXXX XXXX XXXXXXXX Balance : {$230.00} XXXX XXXX XXXXXX/XX/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 XXXXXX/XX/XXXX
Product: Credit card or prepaid card

I am a XXXX XXXX  in severe financial distress due to Stay at Home orders. I have filed all relevant SBA and FEMA applications with my bankers. In the course of contacting my personal creditors, I contacted US Bank regarding our XXXX  XXXX  XXXX  MasterCard. They indicated I do not qualify for their Covid-19 relief program because of late payments. 

I have paid all of my payments on the due date or one day before via ACH on their website for years. It turns out, the don't post payments made via ACH on their website for up to 1 business day and always after the weekend. I had no idea I was racking up late fees while paying on time. I am incensed in frustration to discover they were " floating my payments '' to my detriment and charging me late fees. 

They are now using that as the disqualifying reason that they will no extend me the payment deferral that every single other creditor ( dozen plus ) has extended to me including tier 1 and tier 2 credit  cards and banks. This is at least an abuse of their treatment of payments to their benefit. It is a worst a slap in the face to me as a business owner in legitimate distress. This is a matter principle. The payment that they would defer is only {$66.00}. And yes, that {$66.00} matters to me this month by never mattered enough in the past to even notice the egregious late fee policy. 

Again this is a matter or principle. If they are doing this to me then they are doing it to millions of patrons who think that a ) paying their bill on the US Bank Website on its due date is paying as- agreed ; and b ) they are refusing to offer relief when it is most needed. Moreover, their agent on a recorded calls demanded that i pay the {$66.00} that I was not able to pay in XXXX  ( when I could not get through on the phone to them after five days of trying ) and that if I paid that {$66.00} then I the payment deferral program would be extended to me. I want the call recording pulled and staff held accountable. The supervisor was self rightous at best and implied that if I had been a reliable customer, then they would have offered me the program. I have been shopping at XXXX  since it opened. I have been a US Bank XXXX card holder for many years. I had not Idea i was getting stuck with late fees for paying what appeared to be on time and only would have realized it if it ever showed up on my credit report ( which it never has ). They are splitting hairs and charging material inappropriate fees.
Product: Mortgage

I recently received notice that my mortgage was subject to foreclosure. I had been previously unaware that it was so seriously delinquent ( recently changed jobs, which caused automatic payroll deposit changes, so I lost sight of status on some accounts, and have not seen any correspondence indicating serious delinquency ). 

I immediately attempted to contact the mortgage servicing company to resolve the issue, and have been unable to reach them because their voice response system indicates " technical difficulties '' make it impossible to talk to an agent. 

I am concerned that the so-called " technical difficulties '' are actually intended to further disadvantage delinquent accountholders, by making it impossible to cure the deficiency before foreclosure actions are taken. 

At the very least such actions would result in additional fees, to the benefit of the servicing company and their affiliates ; at worst they would result in borrowers losing homes needlessly. 

This is a prime example of the need and value of regulatory oversight. Thanks for being there for us!
Product: Debt collection

A Debt in the amount of {$6000.00} from National Credit Systems is being reported on my Credit Report.The Debt in question is from an XXXX I leased. I contacted the company on XXXX/XXXX/XXXX ( Spoke to XXXX ) XXXX/XXXX/XXXX ( Spoke to XXXX, & XXXX/XXXX/XXXX ( Spoke to XXXX ). I requested Validation of the Debt. I asked NCS to show me how they calculated what they assume I owe. The company replied with a lease agreement but no transaction history.By law If you saying I owe a Debt I am legally able to see how it was calculated & NCS & in compliance. Secondly, there are inaccuracies on all 3 Bureaus. Ill explain.On XXXX its reported it was opened on XXXX/XXXX/XXXX, XXXX XXXX/XXXX/XXXX, & XXXX XXXX/XXXX/XXXX. NCS is Violating FCRA 609, 611, & 623. Please be mindful I am keeping track of when you received it & who I speak to.
Product: Credit reporting or other personal consumer reports

This is in reference to complaint XXXX I have new information that XXXX other credit bureaus were invoked XXXX Transunion Im attaching transunion document Could not find the same for XXXX. They are based in XXXX On XXXX XX/XX/2024 I submitted a mortgage application to XXXX XXXX XXXX XXXX XXXX XXXX VA who I have an account with. On XXXX XX/XX/2024 starting at about XXXX I started receiving unsolicited calls from other lenders about my mortgage application. I talked to a few. They had very personal information about me including my social security number. I am on the do not call list. I called XXXX XXXX and was told they do not share information. They said it was the company does the credit checks though could not tell me what company. I am concerned my personal information is being shared without my consent though it might be possible I was duped into providing it. The point is I thought this business was between myself and XXXX XXXX  only. I am also contacting my representatives in Congress. Would appreciate it if you can look into this and make it stop.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian says they are looking for an agent to conduct an investigation, but no agent contacts me, and I have called several times. I know the errors and can save the agent a lot of time. Basically I believe I am either a victim of identity theft, fraud or Experian has my report mixed up with someone else. They don't even have XXXX of the XXXX of my real creditors, but they do have a lot of creditors that are not mine and are never paid. 

I have a XXXX Relations Dispute Reference Number and case number, but I want to talk to or communicate to a real person.
Product: Credit card or prepaid card

I had a Torrid Store card with a limit of {$250.00}. I purchased some items and began paying the monthly charge every month on time. I paid off the card to XXXX, did not use it for 3 months, tried to use it and realized that my account was closed by Commenity. This not only damages my credit due to a closed card but lowers my available credit on my credit report. I reached out to the company and was offered no resolve.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 please be sure to enter dates that all letters were sent. 

I sent disputed to Transunion, XXXX and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all file sent below.

15 U.S.C 1681 section 602 A. States I have the right to privacy This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Product: Debt collection

The XXXX data breach occurred between XXXX and XX/XX/XXXX at the XXXX credit bureau XXXX. Private records of XXXX XXXX Americans along with XXXX XXXXXXXX XXXX citizens and about XXXX XXXX citizens were compromised in the breach, making it one of the largest cybercrimes related to identity theft.

My information was part of the breach. In XXXX I was getting alerts my email was found on the Dark Web. 

In XXXX the XXXXXXXX XXXX XXXX located in XXXX NY has filed and obtained a judgment against me and states I waived all my legal rights. This debt doesn't show on my personal credit report since I have frozen all 3 to thwart any attempts of being a victim of identity theft. After speaking with a lawyer, this appears to be a fake judgement, filed in NY even though my old address is still FL - using paperwork I never signed.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Final Request for Removal of Inaccurate Late Payments XXXX XXXX XXXX  Account Dear CFPB, I am filing this complaint regarding the failure to correct inaccurate information on my credit report for the XXXX XXXX XXXX account ( # XXXX ). Despite submitting prior disputes on XX/XX/XXXX and XX/XX/XXXX, the incorrect reporting of late payments for the months of XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX has not been addressed. 
The inaccurate late payment reporting contradicts the following laws : Fair Credit Reporting Act ( FCRA ) Violations Under 15 U.S. Code 1681i, credit reporting agencies are required to ensure the accuracy of the information reported in consumer files. In this case, no updates or corrections have been made to rectify the discrepancies, which continue to harm my creditworthiness.

Truth in Lending Act ( TILA ) Violations According to 15 U.S. Code 1666b, creditors are mandated to provide periodic statements at least 21 days prior to the due date. The continued reporting of these late payments raises questions regarding compliance with this statute and has caused unjust damage. 
Discrepancies and Errors Noted Across the Credit Bureaus Account Information Account Number : XXXX High Balance : {$24000.00} Balance Owed : {$0.00} Closed Date : XX/XX/XXXX Account Status : Closed Payment Status : Current Term Length : XXXX Months Account Type : Auto Loan Discrepancies Across Credit Bureaus TransUnion : Late payments reported for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX despite the account being current. 
The account was last verified on XX/XX/XXXX with no updates or corrections since the previous disputes. 
XXXX : Late payments reported for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, which do not align with the payment history listed. 
The account was last reported on XX/XX/XXXX but remains inaccurately reported as having late payments. 
XXXX : Late payments reported for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, even though the payment status shows " Current. '' The account was last reported on XX/XX/XXXX, with no correction made despite previous disputes. 
Desired Resolution I am formally requesting the immediate removal of the inaccurate late payment notations from my credit report across all three credit bureaus. Additionally, I request : Written confirmation of these corrections. 
An updated copy of my credit report reflecting the accurate status of this account. 
If this issue is not resolved promptly, I will escalate this matter by filing additional complaints with the Consumer Financial Protection Bureau ( CFPB ) and pursuing legal action for damages caused by these inaccuracies. 
Thank you for addressing this matter promptly. I look forward to your written confirmation of the correction. 
Sincerely, XXXX XXXX XXXX
Product: Checking or savings account

I bought shoes from XXXX back in XXXX of XXXX, There was a glitch and i was charged twice for the shoes, i go through a complaint with XXXX and then I ask for a dispute with sofi for the XXXX charge, the decided to give me credit for BOTH but thats not what i asked, they then denied the dispute and took back for BOTH. Again all things therye just doing, so i talk with XXXX and they agree that i do need a refund and send me emails about approving it etc i give sofi a tracking number of the refund and send the email that XXXX will give me a refund. They deny this and then close my account and send it to the credit bureau. I deserve to have my money for product i did not recieve as adidas agrees and sofi has no right to keep denying that.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been affected and severely impacted by the XXXX XXXX data breach. I'm a natural person who's not only been victimized by the 3 major credit reporting agencies, but also the criminals in the underworld. I never gave permission or authorization for my personal data to be stored, collected, sold or traded by any credit reporting agency. I've contacted the 3 CRA 's to inform them of inaccuracies and errors on my consumer credit reports but only Trans Union responded with a letter stating that they would not process my requests because they didn't think my letter came from me. The FCRA is pretty clear that credit reporting agencies have a legal obligation to ( re ) investigate ALL disputes and correct inaccuracies if they are made aware of such. I am deeply depressed and XXXX  going back and forth with these XXXX dollar corporations. I am also writing to the Attorney General of Connecticut, and the XXXX, as I have no faith in the CFPB. I sent certified letters to all 3 CRA 's on XX/XX/XXXX and received only XXXX response from Trans Union on XX/XX/XXXX stating they weren't doing anything because they didn't believe I sent the letters. This is completely unacceptable.
Product: Vehicle loan or lease

I have an RV loan with Bank of America that should be pending a payoff as of last week. I attempt to verify this information via my web account, the IVR and a customer service team member and cant get the information from any source. 

The web account no longer allows me access The IVR will take my account and last 4 of SSN and then directly transfers me to an agent that cant help. All the agent can see is a last payment date nothing more. Its alarming that a consumer cant confirm recipient of payment on their loan. As of now I dont know and wont know if the amount sent satisfies my loan or if I having a pending balance. 

I dont want this loan to roll another 30 days on my credit report and I dont want fees charged to my account. 

At the time of payoff should a bank/servicer be allowed to remove all access to a consumers account so they have no way of getting any information? Im needing to show the loan paid in full to receive refunds on gap insurance policy and if not received I could stand to lose more money due to Bank of Americas negligence. 

I will never do business again with Bank of America. 

Account # XXXX
Product: Money transfer, virtual currency, or money service

I am writting formally to express my concerns regarding Zelle 's handling of disputes, particularly in light of the 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 claim adequately. They informed me that recovering the lost funds was impossible and that tracking these funds was unfeasible. The CFPB 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. This lack of accountability and transparency is unacceptable and raises many concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Reporting Credit Act, the credit companies were required to remove any inaccuracies and any errors also unauthorized inquires. These inaccuracies were reported and not deleted as I have established them as inaccurate myself with research into these. 

Multiple inquires that were not authorized Two collections that will not correctly be investigated and researched. 

Attached are the list of the inquires circled are the ones that were not authorized and the collections that are inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested a credit investigation on XXXX XXXX. More than 60 days have passed, and I have not received responses yet.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report shows a XXXX XXXX /XXXX account that opened on XX/XX/2022 with a debt of {$5400.00} to loss that was never opened by me. 
I have never had accounts with XXXX. The address of the company that appears in the report is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , MN XXXX TEL. 
XXXX On the other hand, my credit report shows two addresses where I have never lived XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX
Product: Debt collection

this company weinstein & karp are attempting to collect on a debt, that i do not feel is mine. i am requesting a validation of this debt. i am on ssi and therefore my income is federally protected.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with XXXX XXXX XXXX, AMEX, and XXXX/XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX XXXX XXXX, AMEX, and XXXX/XXXX with no successful resolution. There was definitely an error on their part.
Product: Checking or savings account

This is a follow up to my earlier complaint with Citibank. 

Given that the hacker accessed my account with no issues, why wasn't I alerted that someone had entered my account from a different computer/IP address? 

I was just sent two emails 'congratulating " me on opening TWO Priority checking account and an email telling me I had applied for a personal loan- which surely would seem odd, given that I am a Citigold member? 

Where was the protection of my account and my computer?
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XX/XX/XXXXXXXX Account Number : XXXX Account Name : XX/XX/XXXX Account Number : XXXX Account Name : XX/XX/XXXX XX/XX/XXXX XXXX Account Number : XXXX Account Name : XX/XX/XXXXXXXX Account Number : XXXX Account Name :XX/XX/XXXXXXXX Account Number : XXXX Account Name : XX/XX/XXXXXXXX Account Number : XXXX Account Name : XX/XX/XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XX/XX/XXXXAccount Number : XXXX Account Name : XX/XX/XXXX XX/XX/XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XX/XX/XXXXXX/XX/XXXX XX/XX/XXXX XX/XX/XXXXXXXX XX/XX/XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXXXX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on and on The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this