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

I had a nightmare happen to me years ago that I was not aware of until this year. Instead of giving you my sad story here are the nutz and bolts someone very close to me stole my identity and I didn't even know until he was in jail ... .then he died ... .my step dad I am going through crazy emotions and all I want is they must block these fraudulent accounts. I have tried 3 times in 90 days. XXXX & XXXX took them off immediately when I ask them what I am submitting incorrect all I get is " sorry we can't disclose that sir '' I thought they were suppose to help me? I nee to get this fraud off my report. the following are the fraud accounts XXXX/XXXX Agency XXXX XXXX XXXX Account Number XXXX XXXX Agency XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX Account Number XXXX XXXX XXXX XXXX Agency XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, TX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX Account Number XXXX XXXX Agency XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, SD XXXX XXXX Account Number XXXX XXXX Agency XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX XXXX Account Number XXXX
Product: Credit card

On XXXX XXXXXX/XX/year>, I called and got my payoff amount for this card. I paid it in full that day and closed my account. Afterwards, Comenity had charged me a late fee after the fact which I refuse to pay. They charge monthly late fees on the late fee. I have informed them to cease contacting me and reporting this wrong information. If they believe they have a claim, they can sue me in my local XXXX XXXX. Otherwise, delete me from their files.
Product: Credit reporting or other personal consumer reports

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

List of Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

On XX/XX/2019 Penn credit company called by employer stating that it was an emergency for me and to call them back as soon as possible. When further talking to my co workers they have called my place of employment several times I have never received a call on my personal phone concerning this debt and was unaware I owed this debt until my coworkers informed me of the calls
Product: Mortgage

This complaint has to do with South state bank, I have had my home equity loan with them since XX/XX/XXXX, I have never ever missed a monthly payment with them, never missed any request for escrow increase or insurance increase to be included with my payments! 
In XX/XX/XXXX, I received incorrect escrow analysis with regards to my loan, since then I have been back-and-forth with this bank trying to rectify the mistakes that they have made the incorrect statements sent to me! All this started with the conditions brought on by XXXX with changing out flood maps in our area And has caused quite a mess I think not only for myself, but for many other customers with banks, and the confusion that occurs! 
I have numerous letters and all documentation to show what has been going on with all the inconsistencies that this bank has produced, they really have a problem! I have tried to work things out with them. They even sent me a check for overage amount they said I had it in my escrow account which didnt exist? and when I brought this with them and yet at writing I still have not heard any plan to straighten all this out! 
This is really affecting my life and my wifes life since we are both going through some major medical problems right now myself Im going through XXXX treatment and I do not need this aggravation, especially with being such a good customer for all these years I dont need to be treated like this, please help I need some intervention.! do I need to go see a lawyer? is there someplace that I can go where I live to sit down with somebody to go through all the documentation and letters and inconsistencies that this bank has produced to try to help me out, thank you
Product: Credit card or prepaid card

I had a disputed charge. On XX/XX/2023 Bank of America sent me a letter ( received XX/XX/2023 ) that requested additional information about my claim to be received by them " by XX/XX/2023 ''. 

A second letter was received from Bank of America, dated XX/XX/2023 ( received XX/XX/2023 ) stating my claim was denied. 

They denied my claim BEFORE the date stated in the first paragraph. 

Additionally the denial letter stated that BofA had " completed our research ''. I have tried to determine the " research '' via the stated phone number, the web and my local branch to no avail. 

Regards, XXXX XXXX
Product: Debt collection

To Whom it may concern, This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 

CAPITAL ONE AUTO FINAN XXXX XXXX Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. PLEASE DELETE ALL ACCOUNTS THAT ARE NOT XXXX XXXX XXXX  Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately.

PLEASE BE AWAR THAT DEPENDENT ON YOUR RESPONSE I MAY BE DETAILING ANY POTENTIAL ISSUES WITH YOUR COMPANY VIA ONLINE PUBLIC PRESS RELEASE INCLUDING DOCUMENTATION OF ANY POTENTIAL SMALL CLAIMS ACTION. I AM ALSO INCLUDING A COPY OF MY COMPLAINT TO THE ORGINATION BELOW : CC : XXXX XXXX ASSISTANT DIRCTOR OF ENFOREMENT CONSUMER FINANCIAL PROTECTION BUREAU CC : CONSUMER FINANCIAL PROTECTION BUREAU CC : XXXX XXXX XXXX XXXXXXXX : STATE SENATE CC : FEDERAL DEPOSITE INSURANCE CORPORATION CC : COMPTROLLER OF CURRENCY CC : CREDIT AND INSURANCE CC : STATE REGULATORY AGENCY
Product: Credit reporting, credit repair services, or other personal consumer reports

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

Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account XXXX XXXX XXXX Account XXXX : XXXX Account Number : XXXX Account Name XXXX XXXX XXXX XXXX Account Number : XXXX Account XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number XXXX XXXX has violated my rights. Or list of inquiries 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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

The creditor Grid/Synapse has been reporting negatively missed payments on my credit reports after they agreed to make all missed payments current as a courtesy once the final balance was paid in full. For months starting in XXXX of XXXX, Ive been trying to pay the small balance of {$61.00} but they were having problems with their payment system and could only do it manually. They only communicated via email and whenever I gave a date to process the payment, they would try to process the payment days after! It was a headache for months! The final payment was made on XX/XX/XXXX and they agreed again that they would do as promised and make all missed payments current. Its been 4 weeks so I reached out to Grid on the update and now theyre saying they are having technical difficulties XXXX and that they will not be able to send updates to the credit bureaus and do know when they will resume. Its unacceptable since these missed payments are affecting my score tremendously and I have an apartment that I need to apply for. Its been a huge inconvenience for months over {$61.00} and its only hurting me, the consumer. Grid is also reporting that the account is open when it should be closed! So annoying.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, My name is XXXX XXXX XXXX and I am reaching out to complain on TransUnion for their not of response and reporting. I have done everything and followed every step on removing false accounts that are reporting and still have not heard anything. It has passed the 30 days multiple times and at this point, and nothing has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several certified letters, that are dated, that have everything listed in detail, that have everything required and they still done anything to remove them. I am very frustrated at the point and need to get these accounts removed as soon as possible. 
I will be listing some dates below that I have sent out to them : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP WHEN THEY RECEIVED THE LETTERS. I HAVE ATTACHED SOME LETTERS THAT I HAVE SENT TO THEM IN THE PAST.
Product: Credit card

I am filing a complaint regarding a disputed transaction with my credit card company, related to an order placed with XXXX XXXX on my XXXX XXXX XXXX XXXX Despite multiple attempts ( online, over the phone, and my letter ) to resolve the issue directly with my credit card company as a chargeback, I have not received a response. 

Summary of the dispute : - I attempted to cancel the transaction shortly after the purchase due to selecting the wrong model. 
- Despite providing more than XXXX hours ' notice before shipment, the vendor failed to acknowledge my cancellation request until almost a week after the order was placed, by which point they had already dispatched the item. 
- The vendor proceeded with shipping the product despite my cancellation requests. 
- The vendor insists on charging me restocking fees and return postage for a product I never intended to receive due to their delay in responding to my cancellation request. 

I have also sent a demand letter to the company ( in XXXX ) that operates as " XXXX Cases ''. I received no response from there. 

I kindly request the Consumer Financial Protection Bureau to investigate this matter and take appropriate action. I have attached a copy of the letter I sent to my credit card company, along with a copy of the email chain with the vendor. 

Thank you for your attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX Balance : {$100000.00} - Late open XXXX XXXX XXXX Balance : {$28000.00} - Late open XXXX XXXX XXXX Balance : {$100000.00} - Late open XXXX XXXX XXXX XXXX : {$28000.00} - Late open
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/Equifax/XXXX XXXXXXXXXXXX : Credit Reporting Dispute Department Subject : Dispute of Continuously Reported Charge-Off Status on Account Number XXXX. 

Dear XXXX XXXX, I am writing to formally dispute the continued reporting of a charge-off status on my account number XXXX to the credit reporting agencies ( Equifax, XXXX, and XXXX ) XXXX Despite this account being charged off, it has been reported with monthly charge-off statuses, which is both inaccurate and misleading. My account number is also listed as last XXXX being XXXX in some instances, and XXXX on others. 

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., it is illegal for any credit reporting agency to report information that is inaccurate or incomplete. Furthermore, the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq., prohibits the use of any false, deceptive, or misleading representation or means in connection with the collection of any debt. The continued reporting of a charge-off status for this account every month as if it is a new negative mark not only violates these statutes but also severely damages my creditworthiness and impacts my way of life.

The persistence of this reporting error has unjustly affected my ability to obtain credit, secure housing, and find employment, causing me significant financial and emotional distress. Given these circumstances, I am demanding the following actions to be taken immediately : 1. A thorough investigation of my claim concerning the account specified.

2. Removal of the inaccurately reported charge-off statuses from my credit reports at all three major credit bureaus ( Equifax, XXXX, and XXXX ) XXXX 
3. Written confirmation sent to me upon the correction of my credit reports.

4. A statement detailing the steps taken to ensure such inaccuracies do not recur.

Please understand that if this matter is not resolved promptly and satisfactorily, I am prepared to take further legal action, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), and pursuing all available remedies under the FCRA, FDCPA, and any other applicable state laws.

I have attached copies of documents supporting my dispute and expect a response within the statutory timeframe of 30 days upon receipt of this letter.

Thank you for your immediate attention to this serious matter. I hope for a quick and favorable resolution. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/ I mailed XXXX XXXX XXXX a Cease & Desist Notice Certified Mail Number : XXXX XXXX XXXX XXXX XXXX XXXX. This letter was delivered to XXXX XXXX on XXXX XXXX XXXX XXXX XXXX. I demanded cease and desist of this activity as soon as possible within 15 days from their receipt of this notice. Today is XX/XX/ and I have not received any correspondence back from XXXX XXXX  This information is still reporting on my consumer credit profile. 

THIS GROUNDS FOR REMOVAL. I HAVE NOT DONE ANY BUSINESS WITH XXXX XXXX NOR DID I GIVE THEM PERMISSION TO HAVE MY INFORMATION. THIS IS IDENTITY THEFT. THEY ARE DAMAGING MY CREDIT PROFILE. FDCPA FALSE MISLEADING INFORMATION. A COLLECTION ACCOUNT CAN NOT CARRY A BALANCE.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 i sent a letter regarding inaccurate and unknown things on my credit report. To this day almost 60 days later i have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. They have yet to send any proof of these items to me. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. I demand these accounts be deleted immediately or i will fill for litigation due to the stress you caused. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Product: Credit reporting or other personal consumer reports

Good day, Im writing because there was a negative reporting sent to the credit bureaus regarding a 30-day mortgage late payment. I was in the process of a refinance and the XX/XX/year> mortgage payment was included in the requested payoff amount. Apparently, the payoff amount that was sent to the Title company by Carrington Mortgage was incorrect due to a loan home insurance that was paid out on XX/XX/year>, which caused the payoff amount to change. As the customer, I was unaware that the payoff amount was incorrect. 

The Title company sent the initial payoff to Carrington Mortgage on XX/XX/year>, and Carrington Mortgage sent a response to the Title company on XX/XX/year>, to deny the payoff payment amount. The payoff payment amount was corrected and paid on the same day that Carrington Mortgage contacted the Title company with the denial. However, Carrington Mortgage reported this to the credit bureaus to reflect negatively on my credit reports which was no fault of mines.

I have never been 30-days late in renting or home ownership. I am disputing this crediting reporting and requesting removal of this incorrect 30-day late reporting from all credit bureaus. I have also requested this removal from Carrington Mortgage and it's pending a response. Thank you, kindly.
Product: Credit card or prepaid card

I purchased an American Express Serve card on XX/XX/2019 in the amount of {$20.00} plus the {$2.00} fee the packaging stated that there was no monthly fee however my card was charged a monthly fee {$7.00} on XX/XX/2019. I called the company only to be lied to and hung up on. I then did my own research on their website and it stated under my cards fee chart that the monthly fee would not be charged until 30 days AFTER purchase. Now as I stated above they took my money prematurely. I purchased the card on XX/XX/2019 and they took my money on XX/XX/2019. I want my money back.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding XXXX handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and was tracking these transactions as unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681. 

XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C. 1681 Section 602 A. States I have the rights to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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 antendates the report by more than XXXX years. 

XXXX XXXX. XXXX ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card

I am writing to follow up on my complaint ( Complaint ID : XXXX ) regarding the reversal of the payment made to my credit card ending in XXXX for {$11000.00}. The payment was indeed reversed, and I now see a balance of {$11000.00} on my credit card However, I have not received the reimbursement of the {$11000.00} back to my checking account ( ending in XXXX ), as was promised. I attempted to contact the representative handling the dispute last XXXX  and left a message but have yet to receive a response. 

To clarify, while the balance on my credit card has been adjusted, I have not been reimbursed for the amount I paid, and as such, I am still owed {$11000.00}. Please ensure that the funds are transferred to my checking account as soon as possible. 

I kindly request that you resolve this matter promptly and return my money without further delay.
Product: Mortgage

At first I was with XXXX XXXX XXXX  I filed for a modification with XXXX then they transferred me to Fay Servicing I filed a modification with them no response they said I needed to change XXXX dates on some forms I did then I filed for bankruptcy and included my mortgage was paying through the bankruptcy came out of bankruptcy tried to reach out to them filed again modification no answer but foreclosure now I have hired XXXX to help no " guarantees '' from them they say
Product: Credit card or prepaid card

My issue is with comenity banks XXXX XXXX card. I have called and asked to pay the balance 4 times and they say I'm good and then they add a late fee on there to keep my account open, or they leave like XXXX dollars on there in hopes people will think they are good and then they hit you with late fees. I am sick to death of this and I want the problem gone. This is absurd at this point and I just want them to stop without hiring a lawyer. I've asked to speak to a manager or supervisor and they will not do it, they say they are having issues.