23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried disputing with Equifax  & h ad trouble verifying due to fraudulent info & I also called  XXXX  & spoke with a rep on last week & was informed that nothing can be removed. I actually tried to identify my information multiple times online & was denied because people have fraudulently used my information. I have had the VA contact me & other companies due to breeches in their systems toget protection. I notified them of unauthorized inquiries & also that since  2011 som eone has gotten school loans in my name. It is affecting my credit as well. There were also multiple inquires from car lots not authorized.
Product: Credit reporting or other personal consumer reports

XX/XX/year> Subject : Request for Investigation and Correction of Inaccurate Late Payments on My Credit Report Dear CFPB, Following your agency 's completion of the investigation as outlined in this complaint, I am writing to request a detailed description of the investigation process followed by Experian regarding the disputed accounts on my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 USC 1681i ( a ) ( 7 ), credit reporting agencies are obligated to provide a description of the investigation within 15 days of receiving a consumer 's dispute. 
I recently reviewed my credit report and noticed that my XXXX  XXXX account includes inaccurately reported late payments. I have consistently paid this account on time, and there have been no late payments. As a credit reporting agency, Experian is required to report all information with complete accuracy. Therefore, I am requesting that you investigate this account and update the payment status to reflect timely payments. 
Summary of Errors and Discrepancies : In reviewing the payment history, I have identified discrepancies in reported late payments that do not match my actual payment record : XXXX reports a XXXX late payment for XX/XX/year>. 
XXXX and Experian report a XXXX late payment for XX/XX/year>. 
These entries are incorrect and negatively impact my credit profile. According to my records, all payments were made on time, and no late payments should appear on this account.

Legal Basis for Dispute : Under the FCRA ( 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ) ), my consumer report should not contain information that inaccurately reflects my payment history. Inaccurate reporting of late payments is a violation of the FCRA and misrepresents my creditworthiness. Additionally, sections 15 U.S.C. 1681i and 1681s-2 mandate that credit reporting agencies, including XXXX, correct any inaccuracies or incomplete information to ensure maximum accuracy. 
Requested Action : I request that Experian conduct a comprehensive investigation into this account and remove the inaccurate late payment entry to reflect my accurate, on-time payment history.

Please provide a description of the procedures used to verify the accuracy of these entries and confirm the removal of these inaccuracies in writing within 30 days of this complaints submission. Failure to resolve this issue may lead to further action to protect my rights as a consumer.

Thank you for your prompt attention to this matter. I look forward to receiving confirmation of the corrections within the timeframe mandated by the FCRA. 
Sincerely, XXXX XXXX XXXX XXXX
Product: Checking or savings account

I am XXXX XXXX, a customer of First Horizon Bank, formerly known as XXXX XXXX  XXXX. 
My Account number is XXXX. This is a personal checking account. When I opened this account I remember there was a promotion going on for joining bonus of {$200.00} and I remember I signed up for that. 
Till date I have not received that bonus.
Product: Credit reporting, credit repair services, or other personal consumer reports

i was pre approved, approved, for multiple vehicles and was denied after the company benefited from using my social security card, i still havent benefited anything i dont have any car.
Product: Debt collection

I entered into a payment plan with XXXX XXXX on XX/XX/XXXX. I received regular bills every month up to and including XX/XX/XXXX. I never received another bill or letter after this. No attempt was made to contact me either by mail or phone. I received letter from Revenue Recovery Corporation on Monday XX/XX/XXXX stating this account had been placed in collection.I called XXXX XXXX on Tuesday XX/XX/XXXXand was told that the account was set up on a payment plan in XX/XX/XXXX and that they had sent a letter in XX/XX/XXXX and XX/XX/XXXX which I never received. The account was put into collection in XX/XX/XXXX according to them. I have all statements that were sent from XX/XX/XXXX to XX/XX/XXXX along with cancelled checks.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : My name is XXXX XXXX ( DOB : XX/XX/XXXX SSN # XXXX ). As of XX/XX/XXXX last monthI reviewed my credit report and noticed a Citibank credit card account unauthorized me. This account is listed as an authorized user in my name which I have absolutely no knowledge of!! I've contacted Citibank several times regarding this closed account however I havent received any correspondence to date. I had no knowledge of this Citi card ( XXXX ) that was opened onXX/XX/XXXX. I was only XXXX XXXX XXXX. This card has caused horrific problems causing me to get denied to enroll in college and further school opportunities. This has affected me from securing student loans and nearly caused me to be homeless. Im requesting the removal of this account immediately off of my credit report otherwise ill be moving forward by seeking legal action
Product: Credit reporting or other personal consumer reports

I'm writing this letter to inform you I have found inaccurate information on my credit report. 
The following information is fraudulent and I have no relationship to it. Please remove the following information from my credit report immediately XXXX XXXX XXXX, XXXX XXXX, CA, XXXX and XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$20000.00}, {$11000.00}, {$420.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$20000.00} -This is not my account.

2. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$11000.00} -This is not my account. 


-- COLLECTION ACCOUNT 3. XXXX XXXX, XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$420.00} -This is not my account.
Product: Credit card or prepaid card

XXXX XXXX XXXX has been allocating purchases as cash advances and improperly charging cash advance interest and fees towards the purchases as if they were cash advances. This has taken  place for the last 10 years and only recently did I notice the issue on my statements. I contacted XXXX XXXX and obtained statements dating back 5 years which show the purchases being charged as cash advances. In addition to paying cash advance interest and fees, XXXX XXXX has also been reporting the inflated balance on my credit reports negatively impacting my ability to obtain credit and loans. I have consulted with an attorney and will also be taking legal action against XXXX XXXX.
Product: Credit reporting or other personal consumer reports

ACCORDING TO XXXX XXXX XXXX - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




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 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card

Dear CFPB representatives, I am writing to bring to your attention an issue I have encountered with City XXXX  and City regarding a misleading booking that was not resolved to my satisfaction. The booking was made in XXXX for a hotel in XXXX, XXXX, costing approximately {$1200.00} per night. The property was advertised with amenities such as Wi-Fi in all rooms, a bar, and a spa, none of which were available during my stay. Additionally, the Wi-Fi service was unreliable, and the establishment was more akin to an Airbnb, contrary to its advertised description as a hotel. Wifi only worked when you were standing by the door at desk. 

Despite expressing my dissatisfaction both during and after my stay, and providing evidence of the lack of amenities, and screenshots of the booking reservation showing the provided amenities, after 100+ emails, City XXXX offered only XXXX loyalty points as compensation. I find this insufficient given the nature of the complaint and the premium nature of the booking. I subsequently requested a refund equating to a third of the booking value, which was denied. 

After escalating the matter, I was informed by City that the booking is nonrefundable, effectively concluding the dispute. I believe this violates consumer protection principles as the services were misrepresented. Moreover, Citys administration of the dispute with City XXXX presents a conflict of interest, compromising the objectivity of the resolution process. 

I am particularly concerned that Citys policies may not align with the Fair Credit Billing Act and other consumer protection laws. This situation has caused me significant inconvenience and confusion due to the ineffective support and lack of clear, consumer-centric resolution procedures. 

I kindly ask for your guidance and intervention to ensure that my complaint is fairly addressed and that appropriate measures are taken to prevent such occurrences from affecting other consumers. Please let me know if any further information is required to support this inquiry. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Product: Vehicle loan or lease

Here is my issue in summary : My bankruptcy case was dismissed which included my truck. The bank sent me a letter stating I had 60 days or until XX/XX/XXXX to start making payments again to avoid repossession. I called to make payments to bring the account current only to find out that the bank closed the account on XX/XX/XXXX instead of XX/XX/XXXX. I was told I had to pay the loan off in full which is around 30k. I have attached the letters to show what Im writing about. 

The vehicle was repossessed the other day which prompted me to file another bankruptcy to get it returned back to me. The repo driver failed to verify the VIN number, which was covered. He also said I already know which vehicle this is. One of my tenants use to be a repo driver, he said this repo driver broke the law by taking the truck without verifying its VIN number. There are cameras in front of my house and I also have two witnesses, one being the former repo guy ( my tenant ). Whats the point of having rules if these drivers and banks are just going to violate them anyway. Something should be done here. 

I looking to take legal action against the lender for not letting me make payment when I was sent a letter by them stating I can do so. I also want to pursue a complaint against the tow company for not following state law with repossessing my truck.
Product: Mortgage

Bank of America deemed my property vacant for no reason & sent XXXX XXXX with a work order & broke in. Completely destroyed my basement door, frame, etc & tracked mud in every room. Which I have camera recordings of all which had been given to the sheriff. BOA said they didnt have anything to do with it but they havent changed it on my paperwork yet whic proves them guilty. Ive had to see a XXXX  which diagnosed me with XXXX, XXXX  XXXX with XXXX. Restitution is required to be paid to me for this serious crime by BOA for property & emotional damage upon receiving this.
Product: Credit card

I am writing this letter to inform you that I have lost my job on XXXX 2015, and I am having difficulty paying all of my debts each month. This is a temporary condition as I decided to improve my skills by going back to school to get the XXXX license. I suspect that I am going to have trouble paying my debts for the next year as I have depleted most of my savings in my school cost, licensing cost, and personal living expenditures. 

I want to do everything I can to keep my accounts current and stay out of collection. Therefore, I am requesting that the interest rate on my account be lowered significantly, and if I could make interest payments only for the next 6 months ( I should be working and financially stable again ) so that my monthly payment will be lowered, and I can continue making my monthly payments without defaulting. 

I believe that if we both work in good faith, we will save each other unnecessary financial harm and many costs by avoiding going into a reduced debt settlements or a time consuming debt negotiation. 

I would like this payment reduced As Soon As possible so that I can continue to pay all of my bills and living expenses on time and current in this time of economic hardship '' I contacted the company many times after the last communication where they promised to provide some help by modifying the terms of the card agreement on XXXX/XXXX/2015 to alleviate my hardship, but when I call they said that no notes were made in the account so no help could be provided, please see attached and below their original response. 

" Your account may be eligible for a payment relief program, which is designed to save you money and help you pay down your credit card account balance by lowering your Interest Charges and eliminating applicable Late Payment Fees. The hardship-qualification process requires that you provide additional information to determine your eligibility for assistance ; additionally, enrollment in a payment relief program would typically close your account to new transactions. If you are interested in this program, we ask that you contact our Collections Department at XXXX for further review ''
Product: Credit reporting, credit repair services, or other personal consumer reports

It's been 2 weeks already I spoke to customer service representatives at equifax they said that everything looked fine on there end but I can't access my credit report and it does not allow to me freeze my credit report. This happened 3 other times since I've paid for the service/product. 
I've attached screenshot shot of what I see. 
I don't know if my credit report is frozen or if my information is being taken without me knowing
Product: Checking or savings account

I opened an account with Citibank on XXXX XXXX XXXX  and XX/XX/ I went to obtain a cashiers check in the amount of {$10000.00} and {$500.00} cash, however on that same day there was an additional {$2000.00} taken out of the account that was not authorized by me. Over the course of time each month there were many unauthorized transactions that occurred on this account. Each time I went into the bank itself or called customer service to rectify the discrepancies I was always told that transactions do not update in real time and the transactions/ balance would eventually be updated. The bank is also stating that an additional ATM card was ordered and sent to my home that I 1- did not request and 2- never received. I have filed multiple complaints with the Citibank fraud department and also have an open investigation with the XXXX Police Department Financial Crimes Unit regarding this matter. I am filing this complaint with your agency today as recommended by
Product: Credit card or prepaid card

been trying to call capital one for 2 weeks to ask for a payment extension before my payment was due XX/XX/XXXXand they are not answering the phone or they disnconnect after waiting on line for long amounts of time. they have no other way to contact them other than snail mail. no chat no email. they have now charged me for a late fee. my wife and i have both lost our jobs because of the virus situation and have no way to make payment at the moment.this seems crazy there is absolutely no way to get in contact with them for 2 weeks straight.please help. thank you XXXX XXXX
Product: Debt collection

I am writing to you about an account that XXXX XXXX XXXX XXXX which they purchased from another company called XXXX XXXX XXXX ( Preditory Lending ). My account has been written off by the vendor for over 7 years or so ago. On my last credit report which it did state it was written off and then the amount on that account was about XXXX4 times less than what they are claiming. I have all of my credit reports stating that fact. Also, They have been calling my house non-stop. Getting about XXXX of their calls about this. Then non-stop letters in the mail about this as well. I will be sending this information and my concerns to the Federal level, XXXX MN and also my congress person XXXX about this matter. I already tried talking to XXXX of their representatives about this matter, but all he did was yell at me and also treated me like garbage.
Product: Debt collection

This account is passed the statute of limitations for Georgia which is 4 years. This account is 7 years past delinquency.
Product: Student loan

XX/XX/XXXX I graduated from XXXX XXXX University and soon after began my loan repayment through XXXX XXXX. About a year later I became a teacher and applied for the loan forgiveness program. At that ime I was given the information that my XXXX loans would be consolidated and extended to a 20 year term with a monthly payment of {$280.00}. It was my complete understanding that if I made this payment as a public service employee consecutively at XXXX payments, The remainder would be forgiven. I later found out that I did not have XXXX XXXX anymore because it switched to a company called Navient. Navient is telling me that my last payment is on XX/XX/XXXX and that the last for years of public service do not count because my loan was extended. I called XXXX XXXX to get my records and I was told that Navient has everything and XXXX XXXX can do nothing at this point. Navient is giving me a few options, but it has really taken a toll on my financial situation as well as mentally. I find it very difficult to understand that instead of having approximately 5 years left of payments on a student loan, I now have 15 years left. At this point I would be repaying about double my original loan. In addition, my other option is to repay in their program that is aligned to my salary. This would also restart my XXXX payments giving me a total of 14 years of repayments. Navient is telling me that since my loan was extended I did not qualify the past four years, therefore they do n't count towards my loan forgiveness. Even if I show proof of records somehow through XXXX XXXX, Navient made it very clear that this can not be undone. I am a XXXX Veteran and even the Veteran side of Navient can not do anything. I am deeply saddened by this. Please help me in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

TRANSUNION, XXXX AND XXXX HAS IN ACCURATE INFORMATION ON MY CREDIT REPORT THEY REFUSE TO REMOVE OR DELETE. 

INACCURATE INFO : NAMES REPORTED *XXXX XXXX XXXX *XXXX XXXX *XXXX XXXX *XXXX , XXXX, XXXX INACCURATE ADDRESSES : *XXXX XXXX XXXX XXXX XXXX, FL XXXX *XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX INACCURATE ACCOUNTS : *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 INQUIRIES THAT ARE NOT MINE : *XXXX XXXX XXXX *XXXX   XXXX  XXXX *XXXX *XXXX  *XXXX XXXX XXXX XXXX PEASE UPDATE MY ADDRESS TO : XXXX XXXX  XXXX  XXXX XXXX, FL XXXX
Product: Checking or savings account

I'm always having issues with this bank. I called telling them a charge I received an overdraft from XXXX XXXX   was invalid. I went to XXXX XXXX on XX/XX/XXXX. They said that it happened on Monday, XX/XX/XXXX which was wrong. I did not go to XXXX XXXX on XX/XX/XXXX. They said the time stamp was XXXX on Monday. I work in New York, how can I be at XXXX XXXX as XXXX! I get out early on Fridays and I went to the XXXX XXXX in XXXX XXXX at XXXX. I can get a copy of work hours to show proof of the time that I was there.
Product: Credit reporting or other personal consumer reports

My account with XXXX EXPERIAN XXXX was never late! I have had exceptional payment history all payments were placed on XXXX. 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 to be updated.

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 XXXX  days before the payment due date. 


XXXX EXPERIAN XXXX Never Sent the periodic statement along with the disclosures from section XXXX ( b ). 


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


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


Update the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

Over 2 years ago, this account began incorrectly reporting a 30 day late and more recently, it was incorrectly charged a fee, for not having auto insurance on file after I had demonstrated proof of coverage. After providing the new insurance information, I was assured the overage would be credited to my account and ALL fees, incorrectly charged, would be waived. I was recently denied a mortgage and upon pulling my report I noticed that my score has dropped drastically, due to 26 months of this account reporting as 30 days late.