23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

In the years of XXXX and XXXX, there were approximately {$24000.00} cents removed from my checking account. At which time, there was a breach that took place with XXXX, that caused information to be released without consent. I am a victim of that breach that took place, as to say my information was released in various locations and areas. Which allowed unknown people to retrieve access to accounts, social security numbers, and etc. There has been police reports filed with the XXXX Police Department and the Sheriff Department in XXXX, Louisiana. I have visited the branch on XXXX XXXX in XXXX, on or about XX/XX/XXXX, and spoke with the branch manager making them aware that I forgot all about the account and opened a new account with a different financial institution. At such time another card was given out to an unknown source and funds were removed from my account in numerous cities and states.
Product: Debt collection

I was contacted by phone on XXXX/XXXX/15 by XXXX XXXX with National Credit Systems. She told me that I had a bill from XXXX XXXX that had been turned over to her office for non-payment. I explained that I had moved out of the complex and was not aware of any bill. I requested a copy of the bill be sent to me. XXXX XXXX said she would put it in the mail to me that day and put a hold on the collection account. I received a generic phone message on XXXX/XXXX/15 from XXXX XXXX asking me to call her. I returned her call and left a message. I called again on XXXX/XXXX/15 and got XXXX XXXX, she had no record of our previous conversation. XXXX XXXX said that XXXX XXXX claimed I left over {$1100.00} in damage to the apt . I explained that the apt was left in perfect condition and I had friends who helped me clean it and could confirm the condition. I again requested a copy of the bill, all the charges itemized and photographs of the so called damage. XXXX XXXX said she had a bill with a total and would mail it to me that day but could she get my credit card number and have me make a payment. I told her that I am disputing this bill. She assured me that the account was in dispute and it would not be filed on my credit. I called XXXX XXXX on XXXX/XXXX/15 because I still had not received the bill. She said she would request the bill. I stopped her and asked " What do you mean request the bill? Do n't you have a copy of it? '' XXXX XXXX said that she had requested the bill but never gotten it. XXXX XXXX immediately transferred me to a voice mail box that she claimed was her supervisor. I left a message with my account # and phone #. I was not called back. I left a message on XXXX/XXXX/15 and XXXX/XXXX/15 and have not received a call back or a copy of the bill. I did received a letter from NCS on XXXX/XXXX/15 stating that they were placing this debt on my credit history if I do n't make payment arrangements with them immediately. I filed a complaint with the XXXX on XXXX/XXXX/15. I received a call from XXXX XXXX on XXXX/XXXX/15 in response to my complaint. He said that his office mailed a copy of the bill to me on XXXX/XXXX/15 and he would request another copy be mailed. He was very abrupt and rude. He said my account is still in dispute and nothing will be filed on my credit at this time.
Product: Credit reporting, credit repair services, or other personal consumer reports

After notifying the 3 major credit reporting agencies of the theft and mishandling of my identity, I've demanded the following unauthorized accounts to be removed from my credit file. I've also demanded all evidence collected in your investigation of these accounts. Knowingly knowing that electronic verification can not be accepted as proof. So I'm requesting physical documentation of such. If not please remove & block the following unauthorized accounts.

1 ) XXXX  XXXX  2 ) XXXX  XXXX  XXXX  {$21000.00} 3 ) US Dept of Education {$7500.00} 4 ) US Dept of Education {$4300.00} 5 ) Dept of ED/ XXXX  {$6000.00} 5 ) Dept of ED/ XXXX  {$3500.00} 6 ) XXXX  {$1100.00} 7 ) XXXX  XXXX
Product: Credit reporting or other personal consumer reports

It appears that my credit with you has been compromised. I was going through my records & noticed many files which do not belong to me XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I am a Discover Card Client and I was approved for a {$3500.00} credit limit months ago. I have had to use my card a lot lately due to some financial struggles but I have never missed a payment with Discover. I traveled for work this past week and rented a car and had to put my rental payment on my card. I had plenty of credit to make the charge and then tonight I go to use my card to get gas and it was declined. I knew I had credit on there but I get home and get an email stating that I had a message from Discover. They sent me a message stating they did an account review and they lowered my limit from XXXX to XXXX and because of the trip charges it puts me over the credit limit by XXXX which destroys my credit rating with the credit bureaus. Discover had no right to do this, but they chose to let the charges be put against my card even though they said they made this decision on the XXXX. My XXXX car rental charge was put on the card on the XXXX. They have screwed me, they had no right to lower my credit limit and then allow charges to go against my card. I have never missed a payment with Discover and yet they do this to me. This is not right as they are jepordizing my credit score and they do not care about how this is impacting me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have received notice that these companies are reporting EVICTIONs that I do not recognize
Product: Mortgage

I keep getting phone calls saying that I am behind in my XXXX taxes. I was behind by 5 months and called and told them I was making payments and sent the tax bill showing my payments. In XXXX of XXXX I paid the balance of {$1000.00} with ck noXXXX. I was then informed by the company that they had paid {$1000.00} on the same day and I owed them this money. After sending many proofs of my payments they still insist that I 0we them that money. Now they want me to make a conference call with them so they can prove I still owe the taxes or so it seems. How do I know they even paid? 
I can't get the check back, its not mine.
Product: Debt collection

On XX/XX/2013, this debt for { {$2700.00} } appeared on my credit report. I have no knowledge of this debt. I am requesting a signed confirmation with my signature that I opened this account. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting on my credit report. Please don't respond to my request by saying that this account has been verified. Send me copies of the documents that you have in your files that were used to verify this account. If you do not have any documentation in your files to verify the accuracy of this disputed account then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for the account listed within 15 days of receipt of this then you must remove the account from my credit report.
Product: Debt collection

Creditor is reporting accounts that are invalid and unverified. TransUnion have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again.
Product: Credit reporting, credit repair services, or other personal consumer reports

These addresses are errors. 

XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX, GA XXXX
Product: Credit card or prepaid card

XXXX XXXX ( XXXX XXXX XXXX Store Credit Card ) ending in XXXX. I received a late notice from XXXX XXXX  saying that I was late and the company also assessed a late charge of {$38.00} to the account for the month of XX/XX/XXXX. The account is interest-free until XXXX and with a minimum payment of {$68.00}. However, on XX/XX/XXXX, I made a payment to the account for {$100.00} to was meant for XX/XX/XXXX. A called the bank on XX/XX/XXXX, to correct the payment and to have the payment applied to the XXXX month. I was told the payment had already applied to the principle and as such the payment could not be moved or credited to the right month of XX/XX/XXXX. 

This a scare tactic that the bank has employed to frustrate customer into paying off the account since they know they are not earning any interest. I was actually told that " they could not help me ''. In order to prevent any negative marks on my credit, I made a payment of {$68.00} on XX/XX/XXXX. With the payment, they received two payments from XX/XX/XXXX. 

I believe the bank is discriminatory towards customer they are not making interest payment off. I think the bank is out to frustrate customer with these accounts into paying off the account early through harassment and servicing frustrations. XXXX XXXX   needs to be held accountable for such acts as they are making other financial service companies look bad.
Product: Credit reporting, credit repair services, or other personal consumer reports

Disputing the willingness to take some of the responsibility of damaging my credibility on misleading information. Had I been told you were reporting my payments as being late all could have been avoided. As a consumer reached out on several occasions to keep in good character with the company and issues still not resolved. Haven't been able to log on to my mobile account in almost 9 months call customer service to know resolve. Told by representatives credit report sent to credit bureau last day of month totally inaccurate.
Product: Credit card or prepaid card

I have my paychecks deposited onto a Money Network Card which also my stimulus check was deposited onto. They have incorrectly processed a dispute which was showing my account overdrawn by {$1000.00} now I am unable to gain access to the {$600.00} stimulus deposit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on identity XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report as soon as possible. I have already taken action to prevent anyone else to try and open anything under my social security. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Account information showing as a Charge Off but I never received a 1099c and the company is still attempting to collect on the debt.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed o

n Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in XXXX, XXXX, AND XXXX to be removed.


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX XXXX AND XXXX XXXX XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Product: 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 for these violations.!
Product: Credit reporting, credit repair services, or other personal consumer reports

hello, i have been making monthly payments on this account for months. said payments are automatically sent via bill pay from my bank on the same day each month. 

the payments are not reflected on my credit reports. is that legal??? 

also, my credit report shows that i am late. while the payment isn't what " you '' want from me, it is something. it is what i can afford. is it legal to report late each month when payments are being made? 

at least i am making an effort, an attempt, and doing the best i can to pay. 

i have phoned XXXX in an attempt to speak with the gal who answered my last cfpb complaint, yet no one knows who she is so therefore no one can get a message to her. perhaps she is using a fake name.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under XXXX according to TXXXX  Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the Polaris letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a XXXX determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 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. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Product: Credit reporting, credit repair services, or other personal consumer reports

Blessings, I've contacted each of the companies that appears on the list and they did not help me at all, which I informed them that I would be making a report for what is happening to me since I have nothing to do with this that seems to be fraud and I need you to please help me remove it since my credit dropped because of all these inquiries that do not belong to me. 
XXXX XXXX XXXX XXXX Inquired on XX/XX/2021 SANTANDER CONSUMER USA  Inquired on XX/XX/2021
Product: Credit reporting or other personal consumer reports

ACCOUNT NUMBER XXXX OF XXXX XXXX XXXX THAT I HAVE BEEN DISPUTING FOR XXXX MONTHS IN EACH RESULT DOES NOT MATCH, THEY REINSERT LATE PAYMENTS IN EACH RESULT, IN EXPERIAN, XXXX AND XXXX THE INFORMATION IS DIFFERENT AND INACCURATE BOTH IN PERSONAL INFORMATION AND IN ACCOUNT NUMBER AND NUMBERS OF LATE PAYMENTS, NEGATIVELY AFFECTING MY CREDIT HISTORY WHICH IS IMPECCABLE, I DEMAND THROUGH THE LAW THAT PROTECTS XXXX AS CONSUMER TO REMOVE THESE LATE PAYMENTS OR REMOVE THE ACCOUNT FROM MY CREDIT REPORT XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX 15 U.S.C 1681 e ( b ) 15 U.S.C 1681 ( 5 ) 15 U.S.C 1681 ( 7 ) 15 U.S.C 1681 ( 5 ) ( b ) ( i ) ( i ) 15 U.S.C 1681 SECTION 602 A, STATES I HAVE THE RIGHT TO PRIVACY.- 15 U.S.C 1681 SECTION 604 A SECTION XXXX, IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MI WRITTEN INSTRUCTIONS
Product: Student loan

I was double billed with Fed Loan Servicing and when I called to request a refund of the money they told me it would take 45 days. The Fed Loan Serving representative with employee ID number XXXX was also very rude and told me it was my fault. I ended up having to go to my bank and tell them it was an unauthorized refund to get my money back. Fed Loan Servicing is absolutely the worst company.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX i mailed off an letter stating that they were reporting incorrect information. it had the wrong name spelling and alot of addresses that ive never lived in or been associated with.
Product: Payday loan, title loan, or personal loan

XX/XX/2020 Took my dog to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX ( XXXX ) XXXX. Dog had a XXXX XXXX in his XXXX that required an XXXX and XXXX to remove and repair. This took several days in hospital to complete. CareCredit approved me for {$5000.00} and the total bill was {$7400.00}. The remaining {$2400.00} was charged to my friends CareCredit account. I got my first statement from Carecredit/Synchrony bank. The statement closed on XX/XX/2020 and the first payment is due XX/XX/2020. I called Synchrony bank on XX/XX/2020 to arrange for at least 30 or 45 days until the first payment. I was told per a supervisor that they would not help me nor could they change the payment date. I advised them, that the first payment should be at least 30 days and I was told it was due 23 days. Since this application was completed on their app, online I was not aware the first payment would be due 23 days. Since I did not get to bring my dog home until XX/XX/2020 I was assuming the payment would follow 30 days from the discharge date in the hospital. Synchrony bank used scripted statements and refused to help or offer alternative solutions. I was informed that I will be charged a late fee as well. Since my friend helped me pay for the remaining amount on her CareCredit card, why is her first payment due XX/XX/2020? The seems to be unfair, undisclosed, and unwilling to help. I am able to make the payment, however was not prepared for the due date. Please help me get this corrected and prevent this type of billing charge practice in the future. Proper disclosure and a willingness to help allows for and educated decision. It is my understanding that since this is a fixed rate loan, why wouldn't I be given the choice of the first payment date/option? I was provided the option to choose my repayment term and apr, why not the first payment date??
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX, Consumer Social Security Number:XXXX Consumer Date of Birth : XX/XX/XXXX Contents of Complaint : ThisCFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block informationappearing on my consumer credit report that is the result of identity theft andfraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card accountopened at COASTAL COMMUNITY BANKCOASTAL on XX/XX/XXXX, last fouraccount XXXX credit card account open at XXXX BANK on XX/XX/XXXX, last XXXX account XXXX a personal loan open at XXXX opened on XX/XX/XXXX, under the account number XXXX a personal loan open at XXXX  XXXX XXXX, a personal loan open at XXXX XXXX XXXX opened on XX/XX/XXXX, under the account number XXXX, a personal loan open atXXXX XXXX opened on XX/XX/XXXX, under the account numberXXXX and mobile phone account opened at XXXX XXXX on XXXX XXXX under the account XXXX. several fraudulent hard inquiriesand fraudulent collections appearing on my consumer XXXX credit report. I'veattached a list of the hard inquiries in question as well as a copy of the consumerFICO credit report maintained by you which shows the aforementioned fraudulentitems. I do not recognize the aforementioned accounts, collections, or hardinquiries as reported. The aforementioned accounts, collections, and hardinquiries appearing on my consumer credit report maintained by you were notopened, 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 copyof FTC Identity Theft Criminal Complaint # XXXX as proof from the USFederal Trade Commission that all the aforementioned consumer credit accounts, collections the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Unauthorized inquiry/inquiries.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've already spoken to Equifax as well as filed an complaint for each inaccurate inquiry that was wrongfully allowed on my credit report. Here 's the list of the unauthorized inquiries : XXXX. XXXX XXXXXXXX XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX 
My credit report being updated and accurate is my right as a consumer. Please investigate this matter because my solo efforts have not produced any results.