23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I have been trying to work with this company from the beginning. I bought a home through a local dealership, and it has been a nightmare from the start. Approximately XX/XX/XXXX I received a call from an agent that worked at the dealership calling asking what day I want to set my payments up for each month, I stated the XXXX of each month. I was under the impression that my payment would be starting XX/XX/XXXX being that we had not moved in the house and it was not fully set up yet. I received a call on XX/XX/XXXX from the mortgage calling to process a payment. I explained the entire situation to XXXX XXXX she was the finical counselor at the time she had a very nasty attitude. She brought her supervisor I believe on the line, and she explained that it's nothing they could do because the loan was already signed, and they expect a payment after a certain amount of time of the loan being signed which is unfair. So, after going back and forth with them she proceeded to say they can move the due date to the XXXX of XXXX going forward it will be due on the XXXX of each month, and I explained the XXXX is not a good time for me to pay being that I had other obligations due around that time. I have been treated bad by this company, there is no fairness within the company. My loan information has been shared with someone who did not have permission from me to speak on my behalf or get information about this loan. The information was then talked about with others which has been so embarrassing. To fast forward I went to make a payment Friday, Saturday and today XX/XX/XXXX and I have been blocked from making a payment online and via XXXX telephone which will cause my account to report as XXXX  days late on my credit and I take pride in maintaining a no XXXX  day late reporting on my credit because a XXXX  day late reporting can damage your credit rating with other lenders and my result in the closing or lower of your other account limits. This company has made threats, and I was informed by one agent that they are not the bank they borrowed money from a company and have to pay them back. I have been treated very poorly by this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity fraud. Someone opened accounts under my name without my knowledge XXXX date opened XX/XX/XXXX XXXX date opened XX/XX/XXXX XXXX date opened XX/XX/XXXX XXXX date opened XX/XX/XXXX
Product: Debt collection

I lost my income XXXX to XXXX XXXX check I been serious budget problems struggling, stressed and depressed my body getting worst that I have long term illness and I got covid second time XXXX and XXXX so Texan credit corp never give up keep call me 17 time I want these people leave me alone before get more worse fainting
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress ( Block, Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent ana address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

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

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

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

Protection Against Non-Payment of Obligations Act ( PAANL ) This act also mandates that creditors issue timely statements to avoid unjust penalties to consumers. The late payment reporting discrepancies on my account suggest a failure to meet this responsibility, resulting in unfair damage to my credit. 
Discrepancies in Payment Reporting For the account with XXXX XXXX  XXXX, the following discrepancies have been observed across the credit bureaus : Experian : The account shows an erroneous 30-day late payment in XX/XX/year>, a 60-day late payment in XX/XX/year>, and a 90-day late payment in XX/XX/year>, despite all payments being timely and consistent. 
Recurring Errors The persistent incorrect reporting of late payments across XXXX, Experian, and XXXX reflects a pattern of inaccuracies. These late payments have been wrongly reported even though my payments were made on time and the account was on autopay. 
Request for Immediate Resolution I request that these inaccuracies be promptly corrected and that the incorrect late payment notations be removed from my credit report. The information should be updated to reflect my actual payment history, which is 100 % on-time. If this issue is not addressed within 30 days, I will pursue further action, including legal steps and filing additional complaints with regulatory agencies to safeguard my rights as a consumer. 
Thank you for your swift attention to this matter. I look forward to receiving written confirmation of the resolution. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX  XXXX for {$790.00}, acc # XXXX XXXX  XXXX for {$1200.00}, acc. # XXXX, XXXX has violated my rights. 15 U.S.C 1681 section A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Notice to Cease and Desist To Whom it May Concern ; This is in reference to the Consumer Report sent by PORTFOLIO RECOV ASSOC. While checking my credit report, it came to my notice that PORTFOLIO RECOV ASSOC has furnished an account XXXX on my report. 

According to 15 USC 1692a ( 2 ), the term Communication means the conveying of information regarding a debt directly or indirectly to any person through any medium. 

As per the literal interpretation Any medium includes any oral, written, electronic, or other medium. Therefore, furnishing of the Consumer Report ( bearing information regarding the alleged debt ) by PORTFOLIO RECOV ASSOC will amount to Communication as per Fair Debt Collection Practices Act ( FDCPA ).

Pursuant to my rights as per 15 USC 1692c ( c ), I am hereby providing you formal notice to cease any further communications regarding this account XXXX immediately. This includes but is not limited to telephone calls, emails, social media, or any XXXX XXXX XXXX 

Any further contact by your Agent or PORTFOLIO RECOV ASSOC, except a communication, confirming your acknowledgment of this letter, is in violation of the Fair Debt Collection Practices Act ( FDCPA ). 

If you do not cease communication a lawsuit will be commenced against you. 

Thank you for your cooperation
Product: Mortgage

I would like file a complaint against SPS and XXXX. We have been going back and forth with both banks since XXXX 2016 to gain approval for the short sale of our home. We have a qualified buyer willing to pay full asking price for our home and we have yet to hear back from them. They are requesting multiple forms of the same paperwork, dragging their feet and delaying the process. We have done everything on our end to ensure the home does not go into foreclosure by getting any and all requested paperwork in in a timely manner and will be filing a request for mediation to avoid going to foreclosure.
Product: Credit reporting or other personal consumer reports

upon reviewing my credit report, i discovered several unauthorized hard inquiries that i did not recognize. i contacted Experian to dispute these hard inquiries and requested removal. unfortunately Experian refused to remove them off my repport this issue is causing undue stress and is negatively affecting my financial standing. 

INQUIRIES : DATES : 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 reporting, credit repair services, or other personal consumer reports

I Contacted All 3 Bureaus Multiple Times about these accounts especially about Department of Treasury thats showing opened from XXXX, that account is not mines whatsoever, I was born in XXXX submitted a dispute letter to the bureaus and its been over 30 days since hearing a response from them. Under the Fair Credit Reporting Act, the inaccurate items have to be deleted. Please resolve this matter at your earliest convenience. Thank you for both your time and help in this matter.
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention the serious infractions committed by Clarity Services , Inc. regarding the accuracy and privacy of consumer information, as mandated by the Fair Credit Reporting Act ( FCRA ). This issue needs immediate attention and resolution to prevent further harm to consumers. 

Based on the information provided, it is evident that Clarity Services , Inc. is not reporting accurate information, a violation of [ 15 USC 1681e ] ( b ). This statute requires consumer reporting agencies to follow reasonable procedures to ensure the maximum possible accuracy of information pertaining to individuals in the reports they prepare. 

Furthermore, Clarity Services , Inc. is in direct violation of [ 15 USC 1681b ] ( a ) ( 2 ) of the FCRA, which permits consumer reporting agencies to furnish consumer reports only in accordance with written instructions from the consumer whose information is being reported. I would like to emphasize that I have not granted authorization to anyone to access my private and confidential records, including the information that your agency is currently reporting. 

These transgressions directly infringe upon my rights as a consumer, particularly my right to privacy, as outlined in [ 15 USC 1681 ] ( a ) ( 4 ). It is crucial to ensure that consumer reporting agencies exercise their responsibilities with fairness, impartiality, and respect for consumer privacy. 

To rectify the aforementioned violations, I humbly request that you take immediate action to delete the erroneous items specified in the attachment from my consumer file within your agency. Failure to comply with this request will leave me with no option but to pursue appropriate legal action. 

I want to draw your attention to the seriousness of these violations. Identity theft is a grave offense, and these actions can be classified as aggravated identity theft, according to [ 18 USC 1028A ] ( a ) ( 1 ). Knowingly transferring, possessing, and utilizing someone's means of identification without lawful authority is a felony punishable by up to two years of imprisonment, in addition to civil liability.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act convergent : XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX 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 15 usc 1681 section 602 A states I have a right to privacy 15 usc 1681 section 604 A section 2 states consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

I REQUESTED VALIDATION FROM EACH BUREAU AS I RECEIVED THAT THIS ACCOUNT WAS VERFIED AS MINES I FILED A COMPLAINT ON XX/XX/23 WITH YALL CONSUMER FINANCIAL PROTECTION BUREAU AND GOT A RESPONSE THEY VERIFIED ON XX/XX/23. I THEN SENT AND ASKED FOR A METHOD OF VERIFICATION OUT TO EACH BUREAU ON XX/XX/23 WHICH I HAVE NOT GOT A RESPONSE TO MY DISPUTE. PLEASE RE-INVESTIGATE AND SEND METHOD OF VERIFICATION OR DELETE ASAP!!!! 

The List of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : XXXX XXXX XXXX XXXX ) 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. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
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 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 CFPB 's 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. My family has been affected due to this.
Product: Vehicle loan or lease

Consumer Financial Protection Bureau My Rights Have been Violated I extended credit to XXXX for a XXXX Vehicle which was done on a Retail Installment Contract in 2018. Studying Truth In Lending Act I now realized my rights have been violated and this has caused me financial stress as well as financial hardships. 

. This car dealership has taken my open-end credit utilizing my social security card and sold it to American Credit Acceptance . I am not a borrower, I am the Original Creditor and the Lender, and the dealer misled me to believe that they were extending me a line of credit as the borrower. My Security Interest secured this obligation even before the car was pulled off the lot. 

Pursuant to Us Code 1692 This retail Installment Contract is deceptive and unfair and operated under the FDCPA, this grave error has caused a financial burden on my family as well as my marital instability. American Credit Acceptance has allegedly obligated me to be responsible for this debt.

The Cash Price of the Vehicle was {$19000.00} with fees associated increased to {$21000.00} with a cash down payment of {$1100.00}. I have made over {$19000.00} dollars and this company is requesting I continue to pay {$20000.00} more. 

I have received multiple calls and letters, and this has caused me complete embarrassment. 

Pursuant to FDCPA 1692 ( a ) ( 8 ) A Consumer has jurisdiction over everything.

As Follows Pursuant to 15 USC 1692 d My Consumer rights cont. : to be violated, A debt collector in collecting a debt, may not harass, oppress, or abuse any person 1.Use or threaten to use violence or other criminal means to harm the physical person, reputation, or property of any person. 

2. The use of Obscene, Profane, or other language that abuses the hearer or reader 3. Annoy, abuse or harass persons by repeatedly calling their telephone number or allowing their telephones to ring continually.

These are just a few Violations of my Consumer rights.

In Closing Thank you for taking the time to read my request.
Product: Debt collection

Firstly, I enter into this matter with honor and clean hands. I am serving you with a Notice of Understanding and Conditional Acceptance, along with a full record of accounting and a proof of claim. CITIBANK N.AXXXX, as the holder in due course, XXXX XXXX XXXX seeks specific documentary evidence, namely, the true and certified copy ( not a photocopy ) original Sears Shop Your Way Master Card Credit Agreement and Application, in both physical paper and electronic formats. This request is made in order to evaluate CITIBANK N.A. 's compliance with UCC 3-302 HOLDER IN DUE COURSE and Generally Accepted Accounting Principles ( GAAP ). 

Please refer to the provided Proof of Claim documentation, which includes : 1. Verification of CITIBANK N.A. 's holder in due course status is sought. XXXX XXXX XXXX formally requests documentary evidence demonstrating CITIBANK N.A. 's initial acceptance of XXXX XXXX XXXX signed instruments in good faith and in exchange for value, as required by UCC 3-302. XXXX XXXX XXXX understands the necessity of consideration in a valid contract and requests access to complete public and private accounting records, including all actual accounting and double-entry transactions representing the flow of funds from CITIBANK N.A . account ( s ) to XXXX XXXX XXXX account ( s ), supported by a sworn affidavit. 

2. A true and certified copy ( not a photocopy ) of the original instruments, specifically the Sears Shop Your Way Master Card Credit Agreement ( s ) and the Sears Shop Your Way Master Card Credit Application ( s ) for account ending in ( XXXX ), is requested. This should be provided under penalty of perjury and with unlimited liability. Additionally, confirmation is requested regarding whether this Note has been sold. 

3. Presentment : XXXX XXXX XXXX formally demands the exhibit of the instruments for account ending in ( XXXX ) in accordance with the Uniform Commercial Code 3-501. 

4. If the instrument has been sold, all related actual accounting and physical paper/electronic market trade transactions are requested in accordance with the Uniform Electronic Transactions Act and GAAP. 

5. Confirmation of the name of the duly authorized representative from CITIBANK N.A. is sought. Additionally, clarification is requested regarding any actions taken, both public and private, concerning this account in accordance with the Money Laundering Control Act of 1986. 

6. If there is an escrow account associated with a Sears Shop Your Way Master Card account ending in ( XXXX ), XXXX XXXX XXXX hereby formally requests access to the complete public and private accounting records. This includes all actual accounting and double-entry transactions representing the flow of funds and current account balances ( CAB ). 

7. XXXX XXXX XXXX requests all IRS tax form filings related to accounts ending in ( XXXX ), including but not limited to forms 1099-C and 1099-OID.
Product: Credit reporting or other personal consumer reports

I changed my phone number early XXXX. Since then, I have been unable to access my online accounts through TransUnion, XXXX, and XXXX. The issue is, when I attempt to work on this issue I go in circles. Today I spent 2.5 hours attempting to fix this problem with all three reporting agencies. 

TransUnion : I got someone on the phone from XXXX. He helped me unlock my credit so I could apply for a car loan. He identified that there may be an issue with some information on my account. I asked to be sent to fraud reporting and he argued with me and told me to file online. I explained to him that I can not do that because I changed my phone number and lost access. He gave me an email to use to change that information in which they respond to me within 4-5 business days. 

XXXX : Could not get through to a person. The automatic system hung up on me 5-6 times and I gave up. I found an email and I sent a message on the XXXX XXXX. 

XXXX : Same issue. Could not get through to a person due to long hold times. Sent a message through email and XXXX. 

It is not so far fetched that someone might change an email or a phone number or in my case both. I had someone who was contacting me that I had told to stay away. That person refused and I changed my number and deleted the email they had for me. So my XXXX  account got deleted and my phone number changed.
Product: Debt collection

I opened a joint bank account with my then Fianc months ago. After the bank was open, I was not ever given checks, debit cards, or access to this account. I was told by the main account holder that he closed the account and pulled out all of the money. when in fact this was not the case the account was closed due to account abuse. I never received a call from the bank or any letters stating this was the case or a balance was owed. 
After I tried opening just recently my bank account, I was denied due to an outstanding balance I was not aware of. In the amount of {$2000.00}. I made contact with the bank, and they let me know I wanted off the account. They then told me they could not help me because it was transferred over to a collection agency. I told my story to the collection agency that I wanted my name off this debit because I was never allowed access to it. They let me know that I was responsible for it unless the main account holder called to release my name. I let them know I no longer had contact with this person that he was in jail on felony charges, and that I wanted no communication with him. I told them that this balance was not mine as I did not do any activity on this account and that it should be solely his debit. The manager let me know that it was not just his it was mine also and I was responsible for payment. I explained I had no way of paying them that the relationship I was in took every single one of my checks and I had no money to my name. I am trying to get back on my feet and this is one thing that is holding me back. They were no help and told me they could drop payments down, but it would remain in my name, and I had to pay it. 
I called the Sheriff 's station in the city I lived in and filed a report, I was then advised by the DA to make a report as this could be added to the charges that are already under the main account holder 's name. All I want is for my name to be taken off of this account as I never had access to it.