23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

I was called by an individual calling himself " XXXX '' with XXXX XXXX. He claimed that I was past due on my final electric payment from my previous residence from a year ago and I would have to pay my balance and fees to XXXX. The number he called with was the XXXX customer service number. 

The total he said was {$300.00} He directed me to pay " XXXX XXXX '' via Zelle. The name and number that came up for " XXXX XXXX '' was XXXX and the number was XXXX After I sent the amount, he got very pushy and was requesting that I send another quantity, which I then realized what was happening. I hung up, he tried to call back multiple times using the actual XXXX XXXX customer service line. When I called the number back and got XXXX on the line, they confirmed that it was in fact a scam, and that I did not owe any amount of money to the company. 

I called my bank, XXXX, and filed a fraud claim.
Product: Credit reporting or other personal consumer reports

Marks the account paid in full for less than balance. Account was paid and settled in full of the balances. Wrong info reported to credit bureau XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My creditor Chase has reported 1 late payment on both of my active credit cards with the company. I was told that I missed a payment in XX/XX/XXXX even though my credit report says both payments were missed in XX/XX/XXXX. I have sent letters to the company asking for forgiveness of the late/missed payment and I have called multiple times and have gotten rude responses and people who did not want to help. Both late payments were reported in XX/XX/XXXX. 

I also informed them that I was affected by Covid 19, and they still reported the payments to the bureaus as late payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. This complaint is a formal notice that you have failed to resolve my dispute or contact me within 30 days of receiving my previous letter. One of the rights under the Fair Credit Reporting Act states a Credit reporting agency MUST update or delete inaccurate information. You have had thirty days to investigate this claim. Under the FCRA my dispute MUST be resolved in thirty days. Additionally, this just proves your lack of proper record keeping. Now, this item is reporting to be 30 days past due, yet it is closed and the balance is zero. Lets correct this immediately! 

XXXX  XXXX Date Opened : XX/XX/XXXX Balance : $ XXXX Late Date XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

In accordance with 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 : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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: Credit card or prepaid card

I received a written offer from Key Bank Reservation code XXXX  Marketing code XXXX  on or about XX/XX/18. I promptly applied for the credit card and received it. Then I applied for a Key Bank Active Saver Savings account which seemed to be required to receive the Key Bank {$200.00} credit card bonus. Key Bank turned down my application for a savings account because of one late payment to XXXX XXXX per XXXX. Of course XXXX  disturbingly refuses to tell anything about their rating without all my personal data.XXXX  said XXXX XXXX reported one late payment on my XXXX account. I then contacted XXXX they agreed my account was never past due over one month based on the XXXX payment due date schedule. Further investigation verified XXXX considered an account past due based on the date ( which varies ) they read the electric meter which is 5 to 10 before the payment due date. I dont think Key Bank meant to offer me a {$200.00} Credit Card reward and then deney it because XXXX doesnt follow normal credit reporting rules of considering and reporting a payment late only once it is over one month late. All though my attempts, so far, to get Key Bank by phone and on line text thru my Key Bank new Credit Card account to reconsider their savings account application turn down decision and pay me the {$200.00} Credit Card bonus have fallen on def ears.
Product: Debt collection

On XXXX XXXX, 2019 I went in to speak with the property manager at the club at XXXX XXXX to advise them that I had taken a job out of state and that I would not be renewing the lease and wanted to know what needed to happen for move out. I was advised that if I were able to leave by XXXX XXXX, 2019 they had someone who wanted the apartment and I would not incur any additional costs. I began the process of move out and was out of the apartment by the agreed upon date. I attempted to contact the property manager to get the keys to her and she stated that she was showing apartments and I should bring her the keys the following day which I did. The property manager asked for an address at my new residence so she could send me the final bill for water and trash removal and I was verbally advised that this amount would be the only thing that I owed ; however, I ended up with a collection account for rent that was not owed per the verbal guidance of the property manager. I never received a bill. I have sent all of my supporting documents for the move out to the property in an attempt to resolve this concern ; however, they will not communicate with me. On XXXX XXXX, I went to my XXXX XXXX and attempted to apply for an auto loan at which time I was turned down for credit.
Product: Debt collection

Portfolio Recovery Associates , LLC. has an account from XXXX XXXX with a balance of {$910.00} for a VISA card from several years ago. This company, for years, would call me ( my previous number ( XXXX ) XXXX ) 5-7 times per day, literally 7 days per week. From XXXX until XXXX, every 3 hours or so. This account finally went under a judgement, and at that time the calls finally stopped. However, 3-4 months after court date, they started again. For example, today, XX/XX/2022, I have received 4. Over the last several years, I have blocked more than 200 numbers from them, and they just continue to call from another number. I am XXXX with XXXX XXXX, and I can no longer take this. I have contacted an attorney. I am absolutely stressed daily and often turn my phone off so I don't need to see they are calling. I've asked them to stop for years, and they call back 2 hours later!
Product: Credit reporting or other personal consumer reports

I'm sending this to let you know that the following companies have unapproved inquiries on my credit report. Below are the names of the companies and the dates on which I acquired the inquiries. 
XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate this item for me to ensure accuracy Here is the item I am asking you verify as accurate. 

XXXX XXXX XXXX
Product: Debt collection

In XXXX Regions Bank XXXX XXXX AL. fraudulently opened a line of credit ( LOC ) ending in XXXX for {$15000.00} without my consent. Originally, I assumed the LOC was a credit offer not an active account, so I did not take any action and left it alone. In XXXX XXXX, I started being billed fees against this account that I did not ask for, want and/or need! As of XX/XX/XXXX, I have spent hours and hours of my time on the phone with Regions bank customer service, collections, Account Services and Fraud Departments along with visiting my local Regions branch in XXXX Fl. XXXX to be told this issue would be resolved and acct. closed. Again, as of today XX/XX/XXXX, Regions Bank keeps applying fees and sending negative comments to all 3-credit bureaus driving my XXXX plus credit score below XXXX and dropping. I have tried to clear this issue any number of times without success! I can not tell you where the XXXX XXXX XXXX branch of Regions is let alone do business with. If this is how Regions is going to conduct business, and not assign any type of case number to show comments on an account I will take my business elsewhere.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft please remove this fraud inquiry from my credit report.
Product: Credit reporting or other personal consumer reports

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent disputed to XXXX, Equifax 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 30 days and have failed to respond. I am attaching a Copy of all letters sent below. 

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: Credit reporting, credit repair services, or other personal consumer reports

XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , NY  XXXX  (  XXXX  )  XXXX   XXXX  XXXX  XXXX  SS #  XXXX  Experian  Re : unauthorized inquiry To Whom It May C oncern : I would like to dispute an unauthorized inquiry from   XXXX   XXXX   XXXX   which was made on  XXXX / XXXX / 2015 . I checked my credit report, which I acquired from Experian.   I have contacted   XXXX   XXXX   XXXX  , who conducted the inquiry, and asked them to remove their credit inquiry from my credit report. I request that you initiate an investigation into this inquiry on my credit report to determine who authorized the inquiry. Once the investigation is complete, I request that you remove the unauthorized inquiry and send me an updated copy of my credit report at the address listed above. Can you also send a summary of the procedures used in your investigation?   Thank you for your assistance in this matter, Sincerely,
Product: Credit reporting

I am having trouble getting my credit report from annual credit report from tarns union. 
They say it is not there fault but annual credit report`s fault.
Product: Checking or savings account

Dear CFPB, I am writing to inform you about a recent debit card replacement and associated fee on my checking account. 

On Sunday, XX/XX/2024, I attempted to use my debit card at a Bank of America ATM for a deposit. Unfortunately, the transaction was unsuccessful. When I contacted customer service on Monday, XX/XX/2024, I was informed of an issue with my existing card and the need for a replacement. I was advised that the new card would arrive within 1-2 business days. While I received the replacement card promptly on Tuesday, XX/XX/2024, I was surprised to discover a {$15.00} rush delivery fee associated with its issuance. 

My concern lies in two areas : Unexpected Rush Delivery Fee : The customer service representative did not mention this fee during our conversation on Monday. I would appreciate clarification on why the standard delivery option was not offered, and how I might avoid similar charges in the future. 

Account Security : I was further concerned to learn that the reason for the card replacement was a suspected fraudulent activity report. While I understand the importance of security measures, I did not report any fraudulent activity on my account. It would be helpful to receive more information about the nature of this suspected activity and the steps taken to protect my account. 

I kindly request a review of this situation and a potential reversal of the rush delivery fee. Additionally, I would appreciate further details regarding the security concerns that led to the card replacement. 

Thank you for your time and attention to this matter. 

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

I'm sending this complaint to inform credit bureaus that the following companies made unauthorized inquiries on my credit report. I have listed the names of the companies below, and the dates the inquiries were made. 
XXXX XXXX XX/XX/XXXX XXXX, XXXX  XX/XX/XXXX XXXX XX/XX/XXXX
Product: Prepaid card

Rushcard did a maintenance update and locked everyone out of their accounts for 2 weeks and it is still going on at the moment. Cardholders have not had access to their money such as direct deposits, money loads, and XXXX. Contacting the company is hectic and you will be on hold for hours or just get hunged up on. They say they do not know when the system will be back up so that people can access their funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/2022 to remove : XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$670.00} ; XXXX XXXX XXXX XXXX Balance : {$620.00} XXXX XXXX XXXX XXXXXXXX Balance : {$520.00} ; XXXXXXXX XXXX XXXXXXXX Balance XXXX {$0.00} ; U S DEPT OF EDXXXX XXXX XXXX XXXX {$0.00} ; U S DEPT OF EDXXXX XXXX Balance : {$0.00} ; U S DEPT OF EDXXXX XXXX Balance : {$0.00} ; U S DEPT OF EDXXXX XXXX Balance : {$0.00} ; U S DEPT OF EDXXXX XXXX Balance : {$0.00} ; U S DEPT OF EDXXXX XXXX Balance : {$0.00} ; U S DEPT OF EDXXXX XXXX Balance : {$0.00} ; U S DEPT OF EDXXXX XXXX Balance : {$0.00} ; U S DEPT OF EDXXXX XXXX Balance : {$0.00} ; U S DEPT OF EDXXXX XXXX Balance : {$0.00}, which are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove these accounts or information not later than 4 business days after the XX/XX/2022. Ive already included this in my previous Complaint # XXXX ; XXXX ; XXXX & I am including it again.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Product: Credit reporting or other personal consumer reports

To whom it may concern ; Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by XXXX XXXX XXXX here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

The following items need to be removed and blocked as they are fraudulent.

1. The following personal information is incorrect Account Number : NAME : XXXXXXXX XXXX XXXX 2. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX  Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 3. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX Account Number : XXXX Delete this account. 

4. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX  Account Number : XXXX Delete From My CREDIT REPORT XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current XXXX. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX
Product: Mortgage

On XXXX XXXX XXXX I received a letter that I was not approved for a work out plan and I have been impacted XXXX XXXX XXXXXXXX and have been sick. 

Now, my relationship department called me and told me their was no options for me to save my home at this time. 

I told them I have a change in circumstances and I emailed my XXXX tax return and I feel like since the restrictions has been uplifted. Now they want to slam me and take my property. 

And the property is not worth what I owe its only worth {$66000.00} and I was told if I had a change in circumstance which I can start paying my regular mortgage payments since I submitted my XXXX tax return.
Product: Credit card

I met all the criteria to be eligible for XXXX credit card points. They said if I activated the pay overtime feature, I would be compensated with XXXX bonus points. I reached out today asking where my XXXX points were and they told me there is no such offer. I have proof that I applied for the offer and that it was there, I dont understand how a consumer can just be lied to so that they can finance your debt easier. American Express Platinum
Product: Vehicle loan or lease

i have a car loan with usaa my name is XXXX XXXX ss XXXX and its also under XXXX XXXX XXXX i was in the hospital in XXXX in XX/XX/XXXX so i was 48 days late making my car payment i stayed in touch with them and let them know that my husbanded the bread winner is in hospital i have no power of attorney over his affairs till now they told me as soon as i got out if i ought up with all my payments they would remove the late payment for XX/XX/XXXX since then i have not only made XXXX payment im all caught up i have it set on auto pay to pay my car note I'm sorry as you can see my husbands report XXXX XXXX XXXX dob XX/XX/XXXX that he has never missed a payment with any card and or account this is the first and last time and its due to crono virus however it is still showing as 30 days late for XX/XX/XXXX and im mall caught up they promised me it would me removed now they are saying take it up with credit agencies all 3 of them they lied to me anyways i just want thhe latye payment taken off my car loan account with usaa for XXXX thank you im all caught up on payments i have a dr note stating i was in quarantine in XXXX of XXXX i held my part of the deal now they should keep there end of the XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I completely disagree with the results of this Company. The account I listed still remains on my credit report in violation of Federal Law. TransUnion and Experian is required under the FCRA to have a copy of the original creditor ( s ) documentation on file to verify that this information is indeed mine and is correct. In the result of their previous investigation, TransUnion stated in writing that this account was verified as accurate? They also mentioned that they are not required to reinvestigate this item. However, in court case on XX/XX/XXXX Cushman Vs. Transunion Corporation. No. 96-1553, TransUnion is required by law to follow reasonable procedures to assure maximum possible accuracy of the information contained in the credit report. Under Section 1681e ( b ) I also went ahead and contacted the court, and they mentioned that they do not provide information to any websites, internet search engines, third parties, and/or any credit reporting agencies. TransUnion must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA 1681e ( b ).
Product: Credit reporting

I sent a letter to XXXX regarding an inaccuracy on my credit report, account number XXXX. They received and signed for the letter on XXXX XXXX, 2016 ( I attached the return receipt ). They violated federal law by not placing " notice of dispute '' on my account within 30 days of my dispute ( I attached my credit report as well, please see pages XXXX & XXXX for the reporting from XXXX XXXX ).
Product: Mortgage

XX/XX/XXXX To CFPB File chapter XXXX bankruptcy on XX/XX/XXXX. Repayment plan confirmed on XX/XX/XXXX. 
During confirmation, the lender, XXXX, was holding a junior lien on my residence. 
Plan confirmed that Junior Lien will be stripped off because the value of the real estate is much less than the amount owed by the first mortgage. 
Chapter XXXX discharge order was submitted on XX/XX/XXXX and sent to the lender. 
Recently, trying to refinance my first mortgage for better terms, the closing agency found a lien still open against my property from the lender in question. 
I am being calling the lender, many times, on the last 7 days, trying to work the issue out. 
They said I should ask the lawyer doing my case for some paperwork. Well, this case is close, about 3 years ago, The lawyer explained to me that the lien should be removed and the lender failed to do so, there are not any missing document and they do n't need to submit anything. The lawyer explained that the document they may be asking for has been dismissed by the judge for failure to state a claim that would allow him to grant relief, the judge made a regular practice of such dismissals, because he felt that adversaries were obviously not necessary to strip unsecured junior liens. 
I called back the lender and explained, and of course, they ask me to ask the lawyer for a motion, or something like that. Sorry, I am not a lawyer. 
I found myself into a loop where either my lawyer, because the case is closed, and the lender are failing to help me and solve the problem. 
I am seeing myself in the process of getting financially hurt due to refinance, for better terms, or sell a property been denial because a lien has not been released from this lender. 
Please help me to find a way out of this involuntary trap. 
Thanks,