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

I am distressed to inform you that you have included inaccurate information in my credit profile and have failed to maintain reasonable procedures in your operations to ensure maximum possible accuracy in the credit reports you publish. Credit reporting laws require that bureaus report only 100 % accurate credit information. YOU ARE VIOLATING FCRA REGULATIONS AND UNITED STATES FEDERAL LAW. 

Please block and remove all erroneous information from my credit report and send me an updated copy. 

Under the Fair Credit Reporting Act ( FCRA ), this disputed item may not appear on my credit report if it can not be supported by any evidence. 

15 U.S. Code 1681n - Civil Liability for Willful Noncompliance, 15 U.S. Code 1681o - Civil Liability for Negligent Noncompliance, and 15 U.S. Code 1692k - Civil Liability : I am entitled to monetary compensation due to your multiple violations. Specifically, under FCRA 15 U.S.C. 1681i ( 6 ) ( Notice of Results of Reinvestigation ), a consumer reporting agency must provide written notice to a consumer of the results of a reinvestigation within 5 business days of completion. Failure to do so constitutes a violation of my rights.

Additionally, as per FCRA, a " consumer report '' excludes any report solely detailing transactions or interactions between the consumer and the reporting entity. Including late payments or derogatory statuses constitutes an infringement of 15 U.S.C. 1681a ( d ) ( 1 ).

Accounts listed below in green color highlighted and tag as in violation under 15 U.S. Code 1666 ( b ) billing error are inaccurate late payment history, must be updated to paid on time as never been late as agreed.

( 4 ) The creditors failure to properly reflect a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error in the creditors accounting on a statement.

This is a clear violation of the United States Code Law ( TILA, 15 U.S. Code 1666 ( b ) ). These accounts must be updated to reflect " paid on time. '' Any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) And Accounts listed below in yellow color highlight text accounts in status of Charge off that is tag FDCPA Section 807 Violation Misleading False Reporting together with incorrect personal information Must be deleted Immediately!.

Collection Accounts listed below in yelow color highlighted that is tag as in violation Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent is identity theft Instruction : As a consumer by law this account must be deleted immediately!

Items listed below that is tag as Unauthorize inquiries that's Violated the United States Code Law 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer. Must be deleted in my credit report.
Product: Credit card or prepaid card

i made the following complaint with CFPB earlier. responding to the complaint, american express credited me half of the charge i am disputing. they gave me credit of {$150.00}. but left the second charge of {$160.00}. 
i brought 3 tickets on XX/XX/XXXX, the airline charged me 6 charges for the 3 tickets brought, separate charge for each way ticket, so 2 charges for 1 ticket. so each ticket was {$330.00}, agent charged {$44.00} commission separately for all 3 tickets. 

american express is saying that the whole ticket was only for {$150.00}. 

XXXX XXXX - XXXX, CA {$44.00} XX/XX/XXXX XXXX - XXXX XXXX, FL XX/XX/XXXX XXXX - XXXX XXXX, FL {$160.00} XXXX - XXXX XXXX, FL XX/XX/XXXX XXXX - XXXX XXXX, FL {$160.00} XXXX - XXXX XXXX, FL XX/XX/XXXX XXXX - XXXX XXXX, FL {$160.00} XXXX XXXX XXXX XXXX XXXX - XXXX, GA XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - XXXX, GA {$150.00} XXXX XXXX XXXX XXXX XXXX - XXXX, GA XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - XXXX, GA {$150.00} XXXX XXXX XXXX XXXX XXXX - XXXX, GA XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - XXXX, GA {$150.00} XXXX - XXXX, MA XX/XX/XXXX I brought a XXXX XXXX airline ticket using my American express credit card for my dad. on the departure day, we went to the airport so my dad can take his flight. but the airline refused to issue him a boarding pass and never let him take the flight. so he could not use his tickets. I reached out to American express to resolve the dispute and get my money back. American express asked me to provide a written explanation of event and what happened. I provided the written letter 3 times now to the American express but every time, American express close my case without resolving it telling me that I never provided the written letter. every time I upload the docs to American express site, I reach out to American express and verified that they did received my letter. now after 4 months, the issue has still not been resolved and I am being billed again.
there were multiple disputes opened by american express because of multiple charges. one dispute is for part payment resolved and credited, but second dispute for part of payment is closed without any resolution. please also resolve the second charge. 

attached is the ticket copy.
Product: Money transfer, virtual currency, or money service

On XX/XX/2018 at XXXX Eastern Daylight Time, my friend was sent {$20.00} USD or in XXXX XXXX XXXX which XXXX in XXXX , XXXX XXXX XXXX ( XXXX ), XXXX would not release after he gave the amount, his name and ID as well as my name and identifying information. My hope is your officers will assist in not only my being refunded the transferred funds but additionally the {$6.00} transfer fee as a service was not provided. My thanks for your help. The company was XXXX XXXX at XXXX XXXX XXXX ( XXXX XXXX XXXX # XXXX operator ID XXXX ) in XXXX XXXX, NY XXXX. Blessings on you and your family!!!
Product: Money transfer, virtual currency, or money service

i got scammed and cashapp support is refusing to assist me. 
XXXX was stolen from XXXX account on XX/XX/XXXX  bank name XXXXXXXX XXXX XXXXXXXX XXXX last 4 digits of debit card XXXX transaction ID XXXX Cashapp support says the case is closed and refusing to provide further assistance, my experiece with cashapp support has been horrible, I honestly dont belive they should be allowed to handle banking for consumers. everything on the platform works great untill something goes wrong and you need support. no one is there to help you. I was hung up on multiple times, and they also advise that there calls are not recorded, I understand why. 

This company is a fraud!!
Product: Credit reporting or other personal consumer reports

The unverified accounts indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you donot validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Product: Consumer Loan

I financed a dining room table from XXXX XXXX, XXXX in XXXX Oklahoma in XXXX 2015. I discovered the table was damaged shortly after it was delivered and assembled. I called the store and informed the manager of the damages. He offered to trade out the table for a different table in the store. However, there was no other table I was interested in. I asked him to just re order a new table. He informed me the next day that my table is no longer in stock so it cant be replaced. I then informed him to come pick up the table. The next day the table was picked up and I was told the contract I signed was now null and void. A couple of months later I received a collection call regarding payment for the table. I explained that I no longer had the table and I should no longer have an account with XXXX XXXX, XXXX. The representative apologized for the mistake and said he saw in the notes that the table was returned. I was told by the representative of XXXX XXXX, XXXX, that the account would be erased from my credit report within 60 days. Over two years later the account is still on my credit and is in a negative charged off state. The account is inaccurate and incorrect and should not be found anywhere on my credit.
Product: Checking or savings account

I'm trying to set up a budgeting and overdraft protection service, and CapitolOne will not let me. They are blocking all external applications. This information is mine to share.
Product: Credit reporting or other personal consumer reports

I kindly request that you update and validate the items I previously mentioned, as they are still incorrectly reported on my account. I have already provided all the necessary details for this Matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX 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 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, credit repair services, or other personal consumer reports

I implore you to take action and remove these fraudulent accounts from my credit report immediately. I did not authorize or initiate these accounts, and it is unfair for me to be held accountable for them. I urge you to take the necessary steps to rectify this error as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX  XXXX person, I have SSA and XXXX coverage, I was forced NOT voluntarily to the Hospital. They must bill XXXX, its not fair to put me in a Hospital against my wish and then put me in a collection., i even did Not received any bill or notices because father moved me other location. One of the creditor ( put same amount for same day of service 10 times ( XXXX XXXX XXXX XXXX {$200.00} / XXXX XXXX XXXX XXXX ),. I am XXXX, have insurances, forced to the Hospital Involuntarily, i have no idea what my insurance paid., i have no idea i was put in a collection., i am unable to rent anything.., get more depressed. Can you please help me in this matter.
Product: Vehicle loan or lease

Santander Consumer, USA is reporting inaccurate information on my consumer report and is engaging in XXXX XXXX. There is no evidence of a debt, only an extension of credit that I am being extorted to REPAY. Santander agreed to comply with my cease and desist but has continued to speak to me indirectly on my consumer reports. The provision of the FDCPA is in contradiction to this debt collectors actions. 

I went to XXXX XXXX XXXX XXXX XXXX to extend credit for personal use through my open-end credit plan. XXXX charged a discount which is a finance charge of {$16000.00} according to the Truth in Lending Act. XXXX received nominal consideration for the closed-end credit transaction. I received no benefit from the authorization I provided to XXXX on my application for credit. XXXX assigned security interest and my non-public personal information to a non-affiliated third party named Santander Consumer, USA. I was not presented with my rights under the XXXX to opt-out of the sharing of my non-public personal info. Both financial institutions conspired to extort me into repaying an extension credit. That is contrary to public policy. My reputation has been harmed with the 3 credit bureaus and its harming my ability to operate in commerce. My vehicle was stolen from a XXXX parking lot during my XXXX XXXX Exam at about XXXX on XX/XX/22, two days before XXXX. My cell phone was still in the car so I tracked it to XXXX XXXX XXXX XXXX XXXX in XXXX, TX. I am being punished for non repayment of an extension of credit and extortion is racketeering activity. XXXX willfully advanced property as a loan, by unilateral agreement with no mutual assent, and knew their purpose was to make an extortionate extension of credit. See 18 USC 891-894.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 9th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX  XXXX Bankruptcy Date Filed/Reported XXXX XX/XX/XXXX Reference # : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 

there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 

there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 
1. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX 2. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

3. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account.
Product: Student loan

XXXX, The last few letters I sent I listed several basic requests for information that you refused to provide. In fact, you decided to send the same exact response twice ; not the least bit clever. Ill remind you that it is illegal and punishable to purposely withhold key information relating to credit disputes and investigations. However, I see that all tradelines from my XXXX report have now been removed. As it stands, XXXX is the only credit bureau left for you or XXXX to authorize the removal of these ridiculous and fraudulent tradelines. I recently disputed the tradeline with XXXX for the 100th time, and provided proof that the tradelines were deleted from XXXX and XXXX. I 've attached the supporting documentation. Yet, your response to the credit dispute on XXXX XXXX 2017 was again the tradelines are correct and will remain. We all know this an FCRA violation- you cant report that an account is fraudulent to one credit bureau and report the same account is valid to another credit bureau. Reported information to the credit bureaus must be the same information across all three reporting agencies. Of course, I disputed the matter again on the same day with XXXX only this time I expect that you or XXXX  will remove the remaining four ( 4 ) tradelines from XXXX immediately. I understand you have no regard for consumer protection laws and believe that I will somehow magically pay off this Phantom Debt, but you are mistaken. If you have a pinch of integrity and honesty then do the right thing ; remove the tradelines. If not, I will keep fighting and disputing for however long it takes.
Product: Credit reporting, credit repair services, or other personal consumer reports

They do not have a hippa release form with my signature and their name in a contractual obligation with full disclosure and meeting of the minds, this is an opportunity to cure anything after this will be a notice of civil action, they are not medical professionals and already gave me proof that they have my private medical records.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have the app XXXX XXXX to keep track of my scores. I recently logged on and saw several unknown suspicious accounts that were used to be open under my name and social. I also saw several recent inquiries. Seems like the same person who took my identity to open these accounts is trying to continue to open more accounts under my name because my credit was ran a couple of time. These accounts and inquiries were not made by me. Please take these unknown items off my report. 

XXXX XXXX {$0.00}
Product: Student loan

I did not receive a XXXX billing statement for my payment that was due on XX/XX/2024. They sent me a billing statement on XX/XX/2024 for my XX/XX/2024 payment, but no billing statement was sent for XXXX. 

As of today, I received an electronic letter that my account was on Administrative Forbearance, but no explanation or details were given.

Ever since being transferred to Mohela as my loan servicer, there has been nothing but problems. From difficulty getting a hold of them, missing or late billing statements, and delays in processing PSLF waiver forms and employment verification.
Product: Mortgage

Bank of America unlawfullly resold my home at XXXX XXXX XXXX, XXXX NJ XXXX As said before they violated my 5th and! 4th Amendments. They also violated my rights under 43.101 ( 1 ) Thru ( 5 ). They have been involved in many class action lawsuits. The last one in Boston where the Federal Judge had to dismiss the lawsuit due to to many different violations committed by Bank of America
Product: Credit reporting or other personal consumer reports

Recently I checked my credit reported and noticed multiple billing errors under 15 U.S code 1666 ( b ) billing error- ( XXXX ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.
Product: Mortgage

I applied for a loan modification as I was having trouble bringing my loan current. I refinanced my mortgage in XX/XX/XXXX as I divorced and had to remove my ex-husband from the mortgage. I kept my loan at 15 years but payments increased from XXXX to XXXX. Also, took out cash to cover shared debt now in my name. 

Fast forward to XX/XX/XXXX, I had to pay XXXX for a new AC unit, {$5000.00} I was able to borrow from my parents & XXXX I paid out of pocket. I called Mr. Cooper in XX/XX/XXXX to say for this reason I could not make my last increased forbearance payment. I called back in XXXX asking to be reviewed for a modification. I submitted all documentation requested as referenced in the letter I received from Mr Cooper on XX/XX/XXXX. I then received a letter on XX/XX/XXXX saying that the mod was declined bc I didnt submit paperwork as requested, which contradicts letter from XX/XX/XXXX. 

I was told on XX/XX/XXXX by a Mr Cooper rep that my paperwork was received on time but never reviewed hence why I received the later. She then advised a case would be open for escalation and review. I called today to check the status, I was advised that I would have to submit an appeal. An appeal for something that wasnt my error and time clock to restart. This doesnt seem fair. She then advised they have until XX/XX/XXXX to review the case details. 

I really need assistance with my payments currently due. I also spoke with the refinance dept on XX/XX/XXXX about extending out the terms of my loan to possibly a 20 year mortgage or more. I was turned down by the refinance dept but told to inform the mod dept that I exhausted this option with them and to possibly consider this option.
Product: Credit reporting or other personal consumer reports

I sent my letter over 30 days ago regarding things on my report that I disagree with. I never received a response from the credit reporting companies. Hopefully, this solves my problem
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on 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 60 days 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 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 XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later. I have not received a response yet I feel like Im being take advantage of and being ignored of my disputes. Section 611 ( a ) It plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX  data breach and may have got into the hands of the wrong person.