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

Spirit Airlines offers a credit card that goes through Bank of America. The card offers " Zone 2 priority boarding on all flights '' ( from spirit.com credit card application ). I applied for the credit card which I had for about a little over a year. I booked my spirit flights through Spirit website and paid with my spirit credit card. My trips are zone 3 instead of the advertise Zone 2 on all flights. A company should not promote such benefits if they are not able to honor it. I reached out to Spirit about the matter, but no one adequately addresses the situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX XXXX am writing to delete the following information off my file. The items I need deleted are listed in the report. I am a XXXX of XXXX XXXX and did not make the charge. I ask the items to be deleted to correct my credit report. I reported the XXXX  of my iXXXX to the Federal Trade Commission and I also have enclosed enclosed copies of the Commissions Identity Theft Affidavit. Please delete these items as soon as possible. These negative remarks are hindering me in attaining not only a mortgage but also a car loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have continually wrote Equifax about accounts on my credit report that I wanted investigated.i have sent two letters to Equifax requesting documentation showing that the accounts that are in question belong to me.equifax has responded by sending me copies of my credit report showing the investigation is closed and deeming the accounts have been verified but have not came forward with any proof or furnished the documents that onjave a legal right to request ... Equifax is erroneously reporting things on my credit report which is illegal.they have not proved the account are mine..they are parroting information from the credit agency.equifax is intentionally violating laws in order to negatively report things on my Credit ... the mentioned account is XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to request proof of original debt in addition to the original contract that I signed, including providing billing statements for the last several months and the original contract I signed when opening the credit card account with XXXX
Product: Debt collection

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

This account is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to XXXX  Credit Bureau but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you. 

CREDITORS BUREAU USA XXXX Balance {$480.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I am unable to view my credit report on XXXX XXXX XXXX
Product: Prepaid card

I am filing this complaint against Blackhawk Networks ( BHN ) for their failure to adhere to statutory obligations under Regulation E of the Electronic Fund Transfer Act ( 15 U.S.C. 1693 et seq. ) and for disregarding my formal request for an accommodation under the Americans with Disabilities Act ( ADA ).

The disputed transactions include : ( 1 ) A {$480.00} charge from XXXX on XX/XX/year>. 
( 2 ) A {$52.00} charge from XXXX on XX/XX/year>. 
( 3 ) An improper {$6.00} replacement card fee assessed on XX/XX/year>. 

Despite timely submission of disputes, BHN has failed to conduct a prompt investigation, issue provisional credits, or provide substantive updates. The statutory timeframe for resolving disputes under Regulation E has long passed, leaving me without access to funds totaling {$540.00}. 

Repeated follow-up attempts via email and telephone have gone unanswered, reflecting a pattern of neglect and non-compliance. As a result, I am facing significant financial hardship, exacerbated by my responsibilities as the primary caregiver for my severely XXXX child, whose medical needs impose substantial logistical and emotional demands. 
I have formally requested an ADA accommodation for expedited resolution, citing the severe financial and emotional toll these delays are causing. This request has also been ignored, in direct violation of Title III of the ADA ( 42 U.S.C. 12182 ), which requires equal access to services and reasonable accommodations to avoid discrimination.

I. Legal Violations : ( 1 ) Regulation E ( Electronic Fund Transfer Act ) : - Failure to investigate disputed transactions within the required timeframe.

- Failure to issue provisional credits for the disputed amounts.

- Americans with Disabilities Act ( ADA ) : - Failure to acknowledge or act upon a valid request for a reasonable accommodation to mitigate undue financial and emotional hardship. 
- Discrimination through inaccessibility and neglect of consumer protections due to my caregiving responsibilities.

II. Relevant Statutory Citations : - Regulation E ( 12 C.F.R. 1005.11 ) : Prepaid account issuers must investigate disputes within 45 days, provide provisional credits where applicable, and communicate investigation results promptly.

- ADA Title III ( 42 U.S.C. 12182 ( b ) ( 2 ) ( A ) ) : Public accommodations must make reasonable modifications in policies, practices, or procedures to ensure equal access.

III. Impact on Consumer : The issuers prolonged delays and inaction have deprived me of essential financial resources, totaling {$540.00}, which are urgently needed for medical and caregiving expenses. This has directly compromised my ability to provide adequate care for my child, creating unnecessary distress and hardship. The issuers failure to fulfill its obligations under federal law is causing profound financial and emotional harm, necessitating regulatory intervention. I trust the CFPB will hold BHN accountable and ensure timely resolution of this matter.
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX, XXXX, Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of Accounts : XXXX XXXX Account # XXXX Date opened XX/XX/year> Bal. {$360.00} Inquiries : XXXXXXXX XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXl XXXX, XXXXXXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, 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 copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested multiple investigations ( XX/XX/2018, XX/XX/2018, XX/XX/2018 ) into the accuracy of account : XXXX/XXXX and after reviewing my credit report provided by XXXX  on XX/XX/2018 confirmation # XXXX, and credit reports from XXXX & Transunion dated XX/XX/2018, ( creditchecktotal ) the account, XXXX XXXX  is still being reported inaccurately . How can you report that the item was verified to OUR company that the current status is being reported correctly when the payment history is NOT correct, nor is there an account balance being reported according to XXXX confirmation # XXXX. According to report dated XXXX2018, XXXX is reporting me with a " XXXX '' balance on XXXX XXXX, '' however, Transunion & XXXX are reporting me with a {$230000.00} balance. If the CRA 's have properly investigated the accuracy of this account then why are all 3 credit bureaus reporting all different payment histories, different balances if they actually verified the accuracy of the account as requested multiple times? 
The CRA 's are in violation of 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] therefore delete this account.
Product: Mortgage

I have communicated with UWM numerous times regarding the incorrect balance in my escrow account. The correct amount should be {$3000.00}. My most recent mortgage statement dated XX/XX/2022 reflects an escrow balance of {$2800.00}. The online system as of today, XX/XX/2022 reflects an escrow balance of {$2800.00} as well.
Product: Credit reporting

Hello, I have a history of on time payments, my percentage is at 99.4 %, for some reason my re-occurring minimum payment was not being taken out of my account. I would like for this one late payment to be removed because it is affected my score in a negative way.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX, I had a dispute rent payment dispute with XXXX XXXX XXXX XXXX, XXXX, PA which was sent to collection agency ; XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, GA XXXX, vide Account Number XXXX. The disputed was resolved on XX/XX/XXXX. 
The XXXX XXXX XXXX informed me that all Credit reporting agencies, including XXXX  XXXX XXXX were notified in writing on the closure of dispute. In XX/XX/XXXX, I approached XXXX for COVID Loan, and for Standard Equity Line of Credit ;  however XXXX declined both my applications based on Credit Reports provided by the XXXX  XXXX XXXX stating ; " Delinquent Past or Present Credit Obligations with others. '' I made made numerous unsuccessful phone calls to XXXX  at the provided # XXXX XXXX XXXX XXXX. On XX/XX/XXXX, I called XXXX XXXX XXXX  at ( XXXX ) XXXX, and Collection Representation, Ms. XXXX XXXX, confirmed that the Account # XXXX was closed on XX/XX/XXXX and all Credit Reporting Agencies, including XXXX, were conveyed this information in a timely manner as per guidelines. She also promised to send a written response to validate action of XXXX XXXX XXXX. 

The XXXX  XXXX XXXX has acted negligently by not correcting my Credit History for more than 2-years, and this has tarnished my image, credit score, and credit worthiness. XXXX   XXXX XXXX provided incorrect Credit Report to XXXX, which deprived me to obtain timely financial assistance in form of low interest Loan and Equity Line of Credit. 

I am requesting the CFPB for assistance to get my Credit Report corrected, take appropriate action against XXXX  for being negligent, and provide fiar compensation for tarnishing my image and preventing me from obtaining timely financial assistance in COVID-19 crisis. 
Regards XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX Attachment- Proof of Payment to XXXX  XXXX XXXX Credit Card Payment Receipt
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX account on my credit report is reporting incorrect. Ive sent several disputes regarding this account and nothing has change. On XXXX, and XXXX of 2022, Ive sent several disputes to correct the information even after the reinvestigation. This process is violated my rights and want removed. After notifying them of inaccurate information they still did fix. Under 15 usc 1681, you must hold my report to maximum accuracy. Also, you can not furnish inaccurate information knowingly wrong. The reinvestigation did not fix these problems even after factual disputes sent. This is a clear violation of my rights.
Product: Credit card or prepaid card

I have a business line of credit with bank of America. Been their customer over 20 years. 
They have an issue with their portal ( autopay ). The {$20.00} payment was a mistake and they had a computer issue at that time ). 
I went to the local branch and letting know about the issue. 
Regardless they closed my account ( line of credit ) Attached are the documents that they issued credit after closing my line of credit. 

PS : Never been late on my payments and my credit score is over 800. 
This is not the first time I am facing discrimination due to my religion ; XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital One Bank USA N is reporting Acc # XXXX Balance of {$300.00}. I've never had such an account like that EVER. This is FRAUD and I demand for Capital One to remove this erroneous account off my credit report immediately. Capital One got compromised a couple of years ago and people 's informations are probably other in the black market. The FCRA consumer law states that everything has to be reported 100 % accurate if not they must be removed. This is hurting my credit and it does not even belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Chapter XXXX on XX/XX/XXXX has been dismissed on XX/XX/XXXX. XXXX, XXXX and Equifax are still reporting as pending/filed. Please removed this inaccurate information from all three major credit reporting agencies. Thank you.
Product: Credit card

Capital One has reported both of my cards as 30 days late. This information is not correct, the minimum payments were made that should have kept the account from being reported 30 days late. I believe it was in XXXX when I spoke with someone with capital one that advised that I could make the payment of {$25.00} on an arrangement that would not cause any late fees or derogatory marks on my credit. I have worked hard to maintain good payment history with Capital One.
Product: Credit reporting or other personal consumer reports

Re : I seem to have discovered missive ( s ) on my reports of which you appear to have likely imperfections which are unlawfully unfair and or elsewise illegally reported and unprovable, inaccurate, and divergent from your mandatorily appropriate reporting requirements! Please accept my ocial written notification that I suspect inappropriate information reporting and I'm seeking clarity to if or not the skeptical missive ( s ) injurious to me was done so in accordance with laws and adherent to the mandatorily adhered to reporting standards. Obviously, I demand elimination of claims not testimonial obedient in reporting accuracy and completion obligations and or not yet physically displayed of confirmed documented proof of verification and validation absent incertitudeness < /span>. 
Dear Sir or Madam, THIS OFFICIAL CONSUMER COMPLAINT is my compliance-based contesting of the accusers reporting privilege related to any negativity accused in opposition to me. In this, accept my challenging of you and or the reporter for proof of adequate established reporting process including the necessarily obeyed Metro 2 format. CLEARLY INACCURACIES CANT BE certifiable COMPLIANT! 
I ask, DID OR NOT THE accusing REPORTER actually SATISFY THEIR very CONDITIONAL PRIVILEGE TO even REPORT? As you are aware and as I too am aware as a litigious currently injured consumer, THERE IS NO " RIGHT TO REPORT ''. 
I n addition t o my CONTEST of THE data reporter 's claim ( s ) ' REPORTABILITY, understand also this IS INTENDED TO ALSOobjection THAT SAME REPORTER and or any accepting repository ( yourself included ) to expose or make exhibited PROOFPROOF that a confirm-able ( certifiable ) compliant reporting process was obeyed. <\>*<|>^ <>^ <>^<>*<>~<> ` <>^<>*<> <> My state and applicable federal reporting laws require that no assertion of negativity is reported uncertain, unfairly, untruthfully, unproven, contrived nor elsewise potentially as questionably. With this, I insist on the removal from reporting or necessarily with meaningful adjustments to or of the leery claim ( s ), as currently listed, to a status undoubtable in its fair and compliant reporting. Do so in particularly for at least the following listed ostensible claim ( s ) obviously with potential inadequacies
Product: Mortgage

I filed for a Loan Modification in the month of XXXX XXXX. I only received 2 denials by letter when I was told by one guy there on the phone there were over 25 programs and surely, I qualify for one. I was also told that they were easier to get a loan modification from than XXXX. On XXXX/XXXX/XXXX, I called them and asked what was going on totally expecting to get a lone modification. I was informed I was denied. I was then told that they felt I could afford the house. 
I HAD PROVED THAT AFTER THEY RAKED ME OVER THE COALS IN SEVERAL VERY HEATED CONVERSATIONS WITH MY INCOME. THAT THERE WAS NO HARDSHIP BECAUSE I COULD AFFORD THE HOUSE SO THEREFORE NO LOAN MODIFICATION. I HAD BEEN IN 2 WRECKS WHICH I SENT THEM ALL THAT INFORMATION. THIS WAS A 49.3 MINUTE PHONE CALL ON XXXX @ XXXX, WHERE I ARGUED WITH THEM. MY HOME WASNTHEN SET UP FOR FORECLOSURE ON XXXX/XXXX/XXXX. 
I FEEL I HAVE BEEN DISCRIMINATED AGAINST, AS A SINGLE WOMAN TRYING TO KEEP MY HOME. 
I WAS BERATED AND TOLD I COULD NOT AFFORD MY HOUSE SO NO LOAN MODIFICATION. THEN I PROVE I CAN AFFORD IT AND I AM STILL DENIED. 
I HAVEN BEEN DENIED ALL HARP AND/OR HAMP WHICH EXPIRED IN XXXX. I WAS ALSO DENIED THE PRINCIPAL REDUCTION MODIFICATION PLAN OFFERED BY FANNIE MAE. 
I was denied a loan modification of any kind, loan reduction, Principal reduction, balance forgiveness and loan term extension. I have been put through XXXX, ruined my credit by filing bankruptcy to keep my home over and over. The stress has affected my health and I was still healing from the wreck. I am on pain meds and muscle relaxers daily. Instead of offering me a solution they put my house for AUCTION and they blamed it on Fannie Mae and it was their decision, THAT I WAS NOT APPROVED. 
My loan PAYMENT WAS RAISED SEVERAL TIMES ON AND OFF WITH NO NOTIFICATION. 
I would also like a review of what is owed. They sold it when it was scheduled for auction on XXXX/XXXX/XXXX. I was never notified of the cancelled auction. 
In have no family, but my children. This is my home. My credit is ruined. Im severely stressed. I HAVE BEEN ON A ROLLER COASTER WITH MY HOME AND AM NOW IN BANKRUPTCY AGAIN BECAUSE THEY SOLD IT TO XXXX XXXX. 
THESE EMPLOYEES AT XXXX AND SETERUS GET PAID BONUS FOR GETTING PEOPLE OUT OF THEIR HOMES. XXXX ALWAYS TOLD ME THAT IT WAS ALL FANNIE MAE 'S DECISION AND NOT THEIRS. EVEN THOUGH XXXX TOLD ME THEY PUT IN THE INFORMATION IN THIS HUGE MACHINE/APP AND IT FIGURES IT OUT BUT TAKES 30 PLUS DAYS. I ALWAYS WAITED ON PINS AND NEEDLES WITH BOTH XXXX XXXX  XXXX AND SETERUS. I HAD TO GO THROUGH ONE BANKRUPTCY BECAUSE XXXX  UPPED MY PAYMENT {$XXXX} RIGHT AFTER I SIGNED THEN LOAN. 
I HAVE BEEN TERRORIZED FOR THE LAST 4 YEARS AND SUFFERED THROUGH LAST 9 TRYING TO KEEP MY HOME. 
THERE NEEDS TO BE NEW LAWS TOO MANY LOST THEIR HOMES AND WERE TREATED UNFAIRLY.
Product: Credit card or prepaid card

I applied and was approved by Capital One for a QuickSilver credit card. The company gave me a hard time proving my identity. I gave them all the documents needed. They took over 2 months with the situation. Capital One finally said they would approve and activate my card if they could get bank to verify my identity over the phone. Capital One rep was not able to get the verification, so I said it's been so much trouble, just cancel the card. They cancelled the card, then the next day a rep called and said they were sorry and let 's get the identity approved. It was successful and I was told I would get the card in the mail. I didn't receive the card and was told that the card was cancelled at my request. This has damaged my credit score and I never received the card. I was told this would be fixed by 4 reps and 2 managers. I spent over 2 months and 9 hrs over phone and internet. I need help with this situation because it's not my fault, it's Capital One and their employees.
Product: Debt collection

Midland Credit Management is reporting a collection account from XXXXXXXX XXXX  on my credit report. I have not received ANYTHING in the mail from this company advising of this account and my right to dispute. This company can not report this account on my credit report without first providing notice of the debt and my right to dispute it and ask for validation. This is against the law. I have not received anything from Midland Credit Management about this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME NEGATIVE ACCOUNTS REPORTING ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE ACCOUNTS DO NOT BELONG TO ME NOR DO THEY RELATE TO ANY TRANSACTIONS THAT WAS AUTHORIZED BY ME. I HAVE NO IDEA WHO WAS ABLE TO OBTAIN MY PERSONAL INFORMATION AND CREATE THESE ACCOUNTS IN SUCH A FRAUDULENT MANNER. PER REQUEST I AM REQUESTING THE ACCOUNTS RE-INVESTIGATED AND REMOVED OFF OF MY CREDIT FILE AS SOON POSSIBLE.
Product: Credit reporting or other personal consumer reports

The information your agency is claiming about owed amounts and delinquency dates is not on my credit profile. The listing is incorrect, and I want it removed from my credit profile or corrected accordingly to the law.
Product: Debt collection

XXXX stated that I had their services, I never had XXXX XXXX there trying to make me pay {$890.00} the address that is associated with this account Ive never had XXXX XXXX there and it is effecting my credit account
Product: Credit reporting or other personal consumer reports

Equifax has violated U.S. code 1681e ( b ), 15 U.S code 1681i ( a ) ( 5 ) ( E ) and 15 U.S code 1635. Also, Equifax was in a data breach. Equifax is reporting 4 missed payments. When this account has been charged off and closed.
Product: Debt collection

Greetings, There is a company name Alltran Education , Inc who claim I owe an unverified amount on a student loan which the company has not verified pursuant to FDCPA 1692g ( b ). The company allege in one letter I owe an amount that is different than the amount in a second letter and that amount is different that an amount in a third letter. 

Egregious tactics on an alleged debt I do now owe.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX Balance {$26000.00} XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX  XXXX Balance {$68.00} XXXX XXXX XXXX Balance {$530.00} XXXX XXXX XXXX XXXX Balance {$910.00} XXXX XXXX Balance {$8300.00} XXXX XXXX XXXXXXXX Inquiry Date XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX  XXXX  XXXX Balance {$1300.00} XXXX, XXXX XXXX Balance {$1900.00} XXXX XXXX XXXX  XXXX Balance {$390.00} XXXX XXXX XXXX Balance {$6200.00} XXXX XXXX XXXX Balance {$620.00} XXXX XXXX XXXX XXXX Balance {$10000.00} XXXX XXXX, XXXX XXXX Balance : {$210.00} XXXX XXXX  XXXX Inquiry Date XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Inquiry Date XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX - XXXX XXXX Inquiry Date XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX XXXX : XXXX XXXX, XXXX