23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I WAS CAUGHT UP IN A TRAVEL DEBACLE ON 2 DIFFERENT OCCASIONS WHEN THE WEATHER AND HURRICANES PROHIBITED ME FROM TRAVELING BACK TO THE UNITED STATES. 

THIS CAUSED AN EXTREME INCONVENIENCE AND PROBLEMATIC SITUATION FINANCIALLY AS I COULD NOT GET BACK HOME IN TIME TO PAY MY CREDIT CARDS AND OTHER BILLS IN MY NORMAL TIMELY FASHION. I EXPLAINED TO MY CREDITORS THAT I DIDN'T HAVE ACCESS TO PAYMENT INSTRUMENTS, BANK CARDS, ETC TO EVEN PAY ONLINE. MY CREDIT CARD COMPANIES DID NOT EVEN CARE AND THIS ALL WAS TO NO AVAIL. IN ONE CASE I ONLY MISSED THE DUE DATE BY 24 HOURS BUT THEY HAVE BEEN SO UNREASONABLE ABOUT REMOVING THE LATE FROM MY CREDIT THOUGH THEY ADMIT THEIR PROTOCOL SHOULD BE MORE FLEXIBLE IN A STATE OF EMERGENCY OR " ACTS OF GOD '' SCENARIO. THE LATES SHOULD BE REMOVED AT ONCE.
Product: Debt collection

Someone used an old address that I havent lived at since I was XXXX in high school XXXX XXXX XXXX. I no ideal who security credit is. They apparently bought this debt and I never was involved in this transaction ever. So I believe it was identity theft.
Product: Mortgage

Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error for the purpose of this section a billing error consist of any of the following ; ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. 
There was no statement received 21 days before the allege debt was due. This alleged debt is showing as a positive form and amounts owed can only be displayed in a negative format not positive so there should be no late payments on this accounts. I demand to see hard solid proof from the creditors bank account that I did not pay and was marked late because this clearly a billing error. This is a Violation of the Law pursuant 15 USC Code 1666b under Truth and Lending. 
As a consumer by law this account on this letter must be updated or deleted immediately or I will seek monetary compensation for violation of my rights in small claims court in my city and state under 15 USC 1681n civil liability because Ive been violated. Also, I have already involved and sent this letter to the Complaint portal for State Attorney Generals Office, XXXX XXXX XXXX, and Federal Trade Commission
Product: Debt collection

Last year was contacting by collection agency Genesis for an outstanding debt of XXXX ( plus intest and fees they charge ) from apartment I moved out of in 2020 called XXXX apartments. I told them do now owe and sent them the cashiers receipt stub of that amout and it showed payment on XX/XX/year>. Was supposed to be resolved but was then contacted multiple times for this bill each time sending whoever the proof paid. Finally they escalated for review and told 21 days for results. Called them when saw they had reported to my credit that it was collection knocking score down XXXX point on each report. The rep sent again with notes that I had confirmed with bank that it had been cashed by XXXX and this is not a collection. Was told nothing can be done at this point need to wait another 30 days for full review!! Meanwhile credit score is affected badly interferencing in other life finances.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX Washington, DC XXXX Subject : Complaint Against Equifax Violations of 15 U.S. Code 1681n for Civil liability for willful noncompliance, 6801. Protection of nonpublic personal information, 15 U.S. Code 1681- Congressional findings and statement of purpose. The banking system is dependent upon fair and accurate credit reporting ; Dear CFPB, I am writing to formally lodge a complaint against Equifax regarding their refusal to assist in removing inaccurate information from my credit file that can not be verified.

Despite my repeated attempts to resolve this matter directly with Equifax, they have willfully failed to comply with the requirements set forth under the Fair Credit Reporting Act ( 15 USC 1681n ). This violation of my consumer rights is causing significant distress and potential harm to my credit standing.

Under 15 USC 1681n, any consumer reporting agency that willfully fails to comply with the requirements of this subchapter is liable for damages, which may include {$1000.00} per violation, actual damages sustained, punitive damages as the court may allow, and costs of action including reasonable attorney fees for any successful action to enforce this liability.Its established the need for written consent or documentation from the consumer before a financial institution can pull the individuals credit report.

I am prepared to pursue legal action against Equifax for these violations and seek the appropriate damages. I kindly request that your office investigate this matter and provide assistance in ensuring that my rights as a consumer are upheld. 

Thank you for your attention to this serious issue. I look forward to your prompt response. 

Sincerely,
Product: Bank account or service

I had a CapitalOne 360 checking account which I used for withdrawing cash for foreign travels. This checking account was used purely for that propose ; I would deposit funds occasionally on a needed basis. Several months ago, I phoned in the rep told me that if I open a savings account and deposit {$50000.00} and I would get {$500.00} bonus. I remembered that I was told that the funds need to come from an external source and I am certain that I was told specifically that the funds needs to be deposited to the new account directly ( otherwise I would definitely do that since the sole reason for me to open the savings account was the bonus ). I had direct deposit linked with my primary bank and so I transferred the fund to CaptialOne 360 checking account and then to the savings account. This to me followed the requirements called for the bonus. But now, Capital insisted that because the fund did not deposit directly to the savings account, it does not qualify. I have tried to reason with a supervisor as well as through their customer satisfaction department ; both declined to honor their original offer, citing that it does not meet the requirement. I felt this is an un-ethical practice they designed to scam the consumer. They provided no written statement ( paper or email ) about the requirement and simply mentioned it vaguely over the phone. Then their plan to decline any of such promise since most consumer will likely not qualify. I would like to see the payout vs declined ratio and see if they actually tried to game this. To me, the bonus is one thing but I felt this bank has no integrity. I would appreciate if appreciate action be taken and stop CapitalOne from any further fraudulent activity.
Product: Money transfer, virtual currency, or money service

I dont know what to do or who to contact. Thus why, every time I try calling the company/ies the person/representative begins to become suspicious and I end up hanging up because I think its fraudulent help in obtaining my personal info.
Product: Credit reporting or other personal consumer reports

Please Help Me Remove/Delete These Accounts/Inquiries. The Account & Inquiries Were Open & Pulled Without My permission or Consent Please I Demand These Accounts & Inquiries Be Remove Out Of My Credit Report Immediately Further Action Will Occur & A Civil law XXXX XXXX Be Process If These Items Are Not Handled in a Proper Time Frame PLEASE. 

XXXX Date Inquiry : XXXX XXXX XXXX NA Date Of XXXX XXXX XXXX  Date Of XXXX XXXX XXXX XXXX  Inquiry XXXX XXXX XXXX XXXX XXXX XXXX Date : XXXX XXXX  Inquiry XXXX Capital XXXX Bank XXXX XXXX Account # XXXX open XXXX highest XXXX XXXX {$280.00} XXXX XXXX XXXX XXXX  # XXXX Open : XXXX XXXX XXXX XXXXXXXX : XXXX XXXX XXXX XXXX {$1500.00} 15 USC 1681N ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( XXXX ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; ( XXXX ) such amount of punitive damages as the court XXXX allow ; and ( XXXX ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 

15 USC 1681Q Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both.

15 USC 1681B ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18.
Product: Credit reporting, credit repair services, or other personal consumer reports

I entered into a payment arrangement and contract with XXXX XXXX XXXX in the beginning of XXXX and have made the payments on time, however XXXX has been reporting my payments as delinquent and that is an error. The arrangement was to lower the monthly payment temporarily and XXXX agreed to this, but reported to the credit bureaus in error and did not report to the credit bureaus accurately reflecting this change. The payment plan we have in place has been paid on time and the loan is being reported as delinquent when it is in fact current with our existing agreement and has been. All letters I have asked for verifying this have come without company letter head and also state the original monthly payment amount which is not relative to our payment agreement or my on time payments which are NOT delinquent as erroneously reported. Your letters say that I am past due, however the payment plan was paid as agreed and that is misleading information. The letter also does not reflect the on time payments for six month XXXX  plan. I have never missed a payment as agreed with your company and yet you are still reporting me as delinquent. All payments under the new agreement have been made as agreed and XXXX is not reporting the loan unfairly and unethically to the credit bureaus as delinquent which reflects as if I am not paying the loan at all, which is not true because I am current with our agreement. A new agreement was made to defer payments on XX/XX/XXXX and it is still being reported as delinquent. It is not fair to report the payments as delinquent when the payment plan is paid as agreed. My credit score has went from the 600s to the 400s because XXXX is reporting the monthly payments as delinquent and that is FALSE. The monthly payments are current according to our agreement and I would like XXXX to current the false reporting and backdate the delinquent payments as current according to our plan.
Product: Money transfer, virtual currency, or money service

Hi there my name is XXXX XXXX. 
On the dates from XXXX I was fraudulently sent money over XXXX through Wells Fargo to an unknown person. They have blocked me from several numbers and Wells Fargo hasnt denied claim I submitted. Total Amount is {$3500.00}. The number I XXXX was XXXX. I hope you guys can help me get back my hard earned money as I have a XXXX year old daughter and rent I am solely responsible for. I appreciate your time XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding multiple inaccurate and/or unverifiable negative accounts currently reported on my credit profile by XXXX XXXX and the credit reporting agencies. These accounts are causing significant harm to my financial standing and opportunities, despite my repeated efforts to resolve the matter directly with the parties involved. They failed to verify that the information is accurate and verifiable per the FCRA. These inaccurate accounts violate my consumer rights and have led to unfair practices, including harm to my credit score and financial stability. It is in non compliance with consumer protection laws. The partied involved have failed to comply with the obligations under the FCRAS, FDCPA, and related federal statues.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureau is reporting inaccurate information on CB/EXPRESS . They are also reporting this company to be the owner of the debt when they are not! This account was transferred or sold to another company and I tried contacting 3 Credit Bureaus requesting a complete payment history with this account for me to review the exact date on which the late payments and charge-off were posted. This MUST be removed ASAP!
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : 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 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: Debt collection

I dont owe XXXX i never had an account with them I was in jail from XXXX I told them it wasnt me they dont care. they said i must pay it
Product: Debt collection

I was a patient at XXXX Hospital on XXXX. I did not have a solid place to live when discharged and used a mailing address for my mail. When discharged on XXXX I went to live with a friend and had my mail forwarded from the PO Box to a physical address. It was a temporary forward because the location to my mail box and the location of the apartment were not close and I did not know the length of time I would reside there. In XXXX I recieved an alert that a collection appeared on my credit report. I called in XXXX to see what was going on and it was for the co payment for services I received in XXXX. I informed XXXX that I never recieved a dunning notice or anytime of notice from there company that there was a balance.
Product: Mortgage

Mr. Cooper had bought out my VA Loan from XXXX XXXX. They didn't even have the loan for 90 days and now have decided to sell the loan to XXXX XXXX, they informed me.on XX/XX/XXXX by mail and I have strongly disagreed. I don't agree with XXXX XXXX business practices, nor do I have to and it not only causes me a XXXX  percent Veteran a great inconvenience, as we intended to combine loans and make.one payment with Mr. Cooper, with our TXVLB purchase on XX/XX/XXXX, but it also hurts our Credit Score drastically switching hinges companies continuously.
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. I am writing in response to a notification on my credit report. The file reported are inaccurate and erroneous and are leading to negative impact on my credit file. I am including proof with this letter and the accounts on the credit report is incorrect. I was never late on these accounts. The late payment shown is in error. Please check payment records and provide documentation why these are reporting as late payment. These are good standing account. Again, please verify these immediately and correct the reporting error! 

XXXX XXXX XXXX XXXX Late Dates XXXX, XXXX XXXX XXXX XXXX Late Date XXXX
Product: Checking or savings account

This is followup on complaint # XXXX dated XX/XX/2022 ISSUE : company stated that " Its important to note, the attachment included in your complaint does not include the terms and conditions where this information can be found. '' MY RESPONSE : Yes, that was/is my point - these conditions were absent in the original offer and you are basing your decision on conditions that were added/amended later - compare the footnotes ( attached ) in the original offer and the footnotes of the later offer ( attached ) wherein the footnotes vastly different and clearly amended/updated in the later offer - XXXX ) to XXXX ) and the specific step of verification and other wordings were added much later and was not present in the original offer - therefore they should not be applicable and the offer should be honored.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a collection on my credit from XXXX XXXX XXXX ; first delinquency XX/XX/2022 with a status date of XX/XX/2022 ; date assigned XX/XX/2022. It's for a utility company based out of Texas called XXXX XXXX XXXX XXXX for an amount of {$620.00}. 

I have disputed this collection with Equifax XXXX times and each time Equifax states it is mine. I reached out to XXXX XXXX and provided some identifying info and they state it was a mistake. 

How do I get Equifax to remove this from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called XXXX XXXX  on XX/XX/XXXX and XX/XX/XXXX Spoke to a rep that stated if I paid the 7 year old account in full they would remove it. I have paid it in full and the account still remains active and derogatory .And to add to that it also continues to reports " FP '' ( failure to pay ) which is equivalent to a late on my report each month. It continues to bring my credit scores down and is damaging my prospects of buying a house. XXXX XXXX is a 7 year old account and should not be reporting late and incorrect information.This account has continues to change balances from month to month. There are 2 derogatory XXXX XXXX account reporting to my credit report. 

XXXX XXXX is a 7 year old account and should not be reporting late, and in error. 
I would like this account removed or all errors removed and updated from my account for the past year.
Product: Consumer Loan

Back in XXXX I was made aware that Exeter Finance Corp reported my account delinquent 30 days or more past due for my XXXX & XXXX 2015 payment. I called and spoke with a CSR and through that conversation realized that they were missing a payment that I made. I was told that I need to send documentation of the payment being cleared. Within a week I sent in my bank statement showing the payment was made with my debit card and cleared. I continued to follow up on the status of the update for weeks and was unsuccessful. Thirty days past and finally I decided to report the company to the XXXX and I filed a complaint. After a couple back and fourth responses the company applied my missing payment to my Exeter Finance Account. As I was going through that ordeal the company again reported my account past due for XXXX & XXXX although I made my payment for XXXX was granted a three month extension for XXXX, XXXX and XXXX ( which I later found out was not true, I was only granted a two month extension therefore the CSR provided me false information ). I called again asking what was this about and was told this time that the wrong payment information was given and that my payment did not clear the bank. I have a letter from my bank as well as my bank statement for the month in question of the payment. Not only was there sufficient funds for the payment to have cleared the account, my bank has provided me with a letter stating that there was no attempt that came through from Exeter Finance to obtain payment. I repeatedly ask for Exeter to update my credit file as to not being past due because again as with my misapplied payment that caused this issue from the beginning there was clearly an issue processing my XXXX payment as well. I have been unsuccessful in getting this issue rectified. It is simply not fair that a company can make a mistake no fault to the consumer and there is nothing that the consumer can do to protect their credit history. I have actual documentation, all I have heard from them are words filled with inaccuracy but they have yet to provide me with the information of what account number they allegedly attempted to process my payment. It could have been a case of system or human error that process the wrong information, however that is no fault to me the consumer and I should not have to reap the negative consequence of it. I have the responses made from the company Exeter through the XXXX that are filled with errors of information of what took place and dates as well. I simply want the company to retract the reporting of XXXX XXXX payment being over 30 days past due. They have made several errors and this has gone way too far at this point with no resolution. In addition to all of this, after requesting a ledger of statement account of my payment history, it took the company over 45 days to send it to me. That was just unacceptable.