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

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. 

I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX have violated my rights. 

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 an account without my written instructions.
Product: Credit reporting or other personal consumer reports

This is one of my multiple attempts to notify credit bureaus that I am a victim of identity theft and that I want to query certain records in my documents that resulted from the crime. The documents I'm looking at have nothing to do with any transactions involving goods, services, or money that I've made or approved. Assuming no one cares, remove any material in my credit report that was obtained through alleged fraud or extortion. 
XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/year> XXXX XXXX  XX/XX/year>
Product: Payday loan, title loan, personal loan, or advance loan

XXXX ( XXXX XXXX ) input a loan for a roof, the loan was approved for a lower payment in the porthole I signed for and now a payment notice was received for a higher payment. Request copy of loan approved in porthole and get sunlight to honor the lower payment approved.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several hard inquiries on my credit report that I didn't authorize or have any knowledge of... 
XXXX XXXX XXXXXXXX credit card inquiry on XXXX XXXX XXXX XXXX XXXX  credit card inquiry on XXXX Discover financial credit card inquiry on XXXX XXXX XXXX XXXX XXXX XXXX credit card inquiry on XXXX
Product: Mortgage

On or about XX/XX/XXXX we applied for a loan modification. Caliber home loans asked me for a lease for my rental property which I submitted via-email. Caliber has not sent me a approval letter or denial letter explaining the reasons for a denial. They have scheduled a sale date for XX/XX/XXXXwhen I feel based on our income and hardship, we should be able to qualify for a loan modification. 

We talked to Caliber Home Loans about a short sale. XXXX XXXX, a non-profit agency was willing to purchase our home. An offer was submitted, but on XX/XX/XXXX, Caliber denied the offer saying it was too low. A higher offer was submitted that was near the appraised value. Caliber did not approve or deny the offer. Additionally, we feel the denial was premature because the they acknowledgment letter was not sent until XX/XX/XXXX, but we were denied on XX/XX/XXXX.
Product: Debt collection

I have a XXXX XXXX credit card. I fell behind on payments in XXXX of XXXX. The balance on the collections letter is XXXX. I missed XXXX, XXXX, XXXX yet made a payment in the amount of XXXX on XX/XX/XXXX despite being unable to work to Covid-19 since Mid XXXX. I made two more payments in the amounts of XXXX on XX/XX/XXXX and another in the amount of XXXX on XX/XX/XXXX. The letter asked that I pay XXXX before XX/XX/XXXX and then my account would be considered " resolved. '' I paid XXXX before XX/XX/XXXX! 
I spoke to a collections person explaining why I missed XXXX and then subsequently how Covid 19 rendered me unable to pay because we had no idea what was going to happen and were unable to work due to a shutdown of all work in my area of NY and pandemic unemployment insurance payments were being held up in NY. He wanted me to commit to making payments which I could not, because i was unaware of my financial situation due to Covid. I told him I would make the payment through the XXXX XXXX website when I could. Low and behold, I made all these payments and it was not reflecting these payments being made. In fact, it states that i have a balance of XXXX currently on the XXXX XXXX website despite having made these payments directly TO the XXXX XXXX website. The also imposed a XXXX late fee on XXXX XXXX   payment though I had paid nearly all of the balance in XXXX. 
When I called the collections agency explaining the payments I had made, the jerk got on the phone again, he asked me how long I had been in business, to which I replied over 30 years. He congratulated me sarcastically and then asked why I had no money having been in business for so long! I reminded him we were not allowed to work. That this was a PANDEMIC. Absolutely unacceptable. I called him a few choice names and hung up on him. 
I do not have a balance of XXXX as stated online TODAY, XX/XX/XXXX, with XXXX XXXX nor is it being reported correctly on my credit reports which i have also filed disputes with. 
Another important thing to mention is that during the early stages of the pandemic, In XXXX, XXXX XXXX was ENTIRELY shut down. The had no one to help in customer service, the stores shut down. You could not speak to any representative in any department and they had an automated voice saying so and that you should call back. I tried to call XXXX XXXX to discuss my payment problems, tried to apply for Covid assistance ( deferment ) through XXXX XXXX online to no avail. My account was closed, not by me. This was outrageous because of the unprecedented situation nearly every American was and ( millions ) still are in. Next thing I know, I get a letter from collections.
Product: Credit reporting or other personal consumer reports

I've contacted this company via email and phone I have yet to receive a response to anyone. XXXX XXXX XXXX doesn't belong to me. I have had XXXX XXXX XXXX  for 5 years now.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX  was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX XXXXXXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

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

Delete the late payments from my consumer reports
Product: Debt collection

I received a call from my employer stating someone has called and stated they would be filing fraud charges and suspend my license if I didnt make contact with them I was given the number XXXX I called that number and was speaking to a gal named XXXX at XXXX and she stated that they were a law office representing Money Key for an unpaid debt That I needed me to pay XXXX or face the consequences When I told her I couldnt and that I needed to make arrangements she then stated I needed to call the party who sent them the file That party is XXXX XXXX XXXX at XXXX and that i needed to do today or they would be serving me Friday XX/XX/30 I have called them and they do not answer or return calls My issue is they called my job and told some random coworker my business and told them they would file charges and suspend my license
Product: Credit reporting or other personal consumer reports

i disagree with the account listed below which still appears on my credit report, i would like this item immediatly re-investigated, the inaccuracies are highly injurious to my credit score XXXX XXXX XXXX XXXX XXXX XXXX  in accordance with the fair credit reporting act, public law 91-506, tittle VI, subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that i may follow up. please send me an updated copy of my credit report after your reinvestigation. send it at my email at XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I had medical issues that I had to be addressed by a doctor. However bill was not billed correctly. I have been on XXXX for 3 years and have papers to prove this alone with medical cards from XXXX county. Professional finance XXXX XXXX. My medical card from XXXX date XX/XX/2014 department of health care number is XXXX also issued from XXXX county.
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of XXXX XXXX XXXX XXXX which is impacting my XXXX XXXX XXXX, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit card or prepaid card

On XX/XX/2021 my Victoria 's Secret Credit Card account through Commenity Bank was overpaid by {$1000.00}. I realized what had happened on XX/XX/2021 and immediately requested a refund in writing. I was told on XX/XX/2021 that the refund requested had been submitted and the refund should reflect in my bank account within 3-5 business days. On XX/XX/2021 I contacted Commenity Bank again when the refund did not reflect in either my credit card account or bank account. At this time I was told that it had to be approved by accounting first, which could take 7 days, then after that it should reflect in my checking account in another 3-5 business days. Today,XX/XX/2021, I contacted the credit card company again. I was told that, " Due to the amount of this refund check, the refund request itself is still being reviewed and this can take up to 30 days. Once the refund request has posted to this account, the funds should show up in your checking account within three to five business days. '' At this time I informed them that I would be filing a formal complaint.
Product: Vehicle loan or lease

In XX/XX/XXXX, I returned a XXXX XXXX XXXX to XX/XX/XXXX XX/XX/XXXX dealership in XX/XX/XXXX, Vermont. The car was looked over by the sales agent and we were told he did not see any damage or excess wear that he could identify but that an adjuster would look at the car the next day. 

Approximately six weeks later, we received a bill from Ally Financial for {$3800.00} which included excess mileage and some damage. We were also billed for a promotional tire cover that was given to us after the car was leased by the dealer as a gift. It was clearly a promotional item for the dealership since it had their name in large print on the cover. The bill from Ally included a charge of approximately {$600.00} for damage to this item and some additional items that we immediately disputed with Ally. Ally told us that that they could not adjust the bill and I refused to pay until I spoke to someone that would review the issue. Every month for 3 months an agent would call trying to collect the full payment and I would discuss with them the issues and asked to have the case reviewed. 

Finally, in XX/XX/XXXX, an agent called me and told me they would settle the amount if I would pay the remaining balance {$3200.00} which I immediately did. 

On XX/XX/XXXX, I received a letter ( attached ) stating the account was settled and I did not owe anything further. 

I recently became aware that this issue has two negative effects on our credit reports : First for a " settlement for less than the amount due '' and second for a late payment. 

This is incorrect since the amount due should have been the amount I paid. I should never have been charged for the gifted promotional wheel cover and the only reason the payment was late was that Ally never tried to discuss the issue with me - they only demanded full payment until XXXX. 

Please be aware that we have previously leased numerous cars with XXXX XXXX ( this was the last ) and XXXX XXXX in XXXX XXXX and have used Ally, XXXX XXXX, XXXX XXXX, etc. and have never had any issue like this before. 

Please review this issue. 
Thank you for your consideration, XXXX and XXXX XXXX
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX XXXX XXXX : XXXX XXXX, XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX, XXXXXXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX, XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX on XX/XX/XXXX, XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX Inquired on XX/XX/XXXX, XXXXXXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX, XXXXXXXX XXXX  Inquired on XX/XX/XXXX, XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX, XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXXXXXX XXXX PLUS Inquiry : XXXX XXXX, XXXX, XXXX XXXX XXXX : XX/XX/XXXX, XXXX XXXX XXXX : XXXX. XXXX, XXXX, XXXX XXXX XXXX : XXXX. XXXX, XXXX, XXXX XXXX XXXX : XXXX XXXX, XXXX, XXXX XXXX XXXX : XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX : XXXX. XXXX, XXXX
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  CFPB fines XXXX XXXX XXXX over errors on credit report The CFPB alleged the credit bureau failed to properly investigate consumer disputes.
Product: Debt collection

I went to see my doctor on XX/XX/2018 before moving overseas for 3 months for a summer XXXX XXXX. When I came back I had a letter from collection agency Receivable Management Partners LLC ( rmp ) telling me I owe my medical provider. I called my medical provider XXXX XXXX XXXX in Washington DC and they said my account is closed with them. I asked for a bill and I was not able to get one. After many attempts to my medical provider directly, I finally paid the collection agency. 

This now shows on my credit report on XXXX  and XXXX  and has dropped my credit score around 100 points. My attempts to remove it from my credit report as an error from my medical provider and non-receipt of the original bill has been frustrating and unsuccessful. I was able to successfully remove it from XXXX  report but the customer service in rmp, XXXX  and XXXX   have not been helpful at all. 

I really appreciate your help on this matter.
Product: Checking or savings account

XX/XX/2024 atm withdraw of {$200.00}. The atm did not disperse the {$200.00}, it gave me my card and receipt ; then it rebooted. I contacted chime once the funds were no longer pending, they filed a claim on my behalf. The claim was denied with no supporting documentation as to how/why my claim was denied.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX, XXXX - XXXX, XXXX - XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX - XXXX, XXXX XXXX XXXX XXXX - XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 

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 an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts don't belong to me. Please remove them from all 3 credit reporting agencies. Please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies.

1. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

2. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

3. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

4. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX  Account Number : XXXX This is not mine. 

6. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

7. Identity Theft XXXX/XXXX  XXXX  Account Number : XXXX This is not mine. 

8. Identity Theft XXXX  Account Number : XXXX This is not mine. 

6. Identity Theft XXXX/XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

10. Identity Theft XXXX XXXX  XXXX XXXX XXXX XXXX  Account Number : XXXX This is not mine. 

11. Identity Theft GS BANK USA Account Number : XXXX This is not mine. 

12. Identity Theft XXXX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

13. Identity Theft XXXX  XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

14. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

15. Identity Theft GS BANK Date of inquiry : XX/XX/XXXX This is not mine. 

16. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

17. Identity Theft XXXX/XXXX  Account Number : XXXX This is not mine.
Product: Student loan

Requested a refund of payments on XX/XX/2022 they didn't put it into there system until XX/XX/2022 everytime I call concerning the timeline they delay the refund of payments from being processed original timeline was XXXX weeks it has escalated to XXXX weeks lying saying it's involved with the courts on the loan forgiveness
Product: Debt collection

i have repeatedly told portfolio recovery that this debt is not mine and have received numerous phone calls and letters and have requested copies of charge slips or original agreement with XXXX bank or XXXX XXXX bank which is supposed to be the original creditor, and as of this writing have not received anything
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter regarding inaccurate info and unknown things being on my credit report to TRANSUNION 60 days ago AND i NEED your help to remove these account immediately from my credit report. 
Below are the following account that needs to be remove Did not consent to unauthorized inquiry XXXX. XXXX XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 

XXXX. Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud XXXX Account Number : XXXX Delete this account immediately from my credit report as they have failed to perform an investigation XXXX. Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud XXXX XXXX Account Number : XXXX account unknown how do you verify this information this account is in violation it was reported XXXX a valid evidence
Product: Credit reporting, credit repair services, or other personal consumer reports

I am currently applying for a mortgage loan with XXXX XXXX XXXX. Today they attempted to pull all three of my credit reports and scores ( XXXX, XXXX XXXX and Equifax ) thru XXXX XXXX. Only two scores came back ( XXXX   and XXXX XXXX ). Equifax had a message indicating my file is " blocked ''. I contacted the department within Equifax that handles consumer report " freezing '' via telephone today and was told there is no current freeze on my credit file and there is no history of there ever being a freeze. I contacted my mortgage lender with this information and they attempted to pull my credit but were unsuccessful. They gave me a telephone number to call ( XXXX ) which is the department within Equifax that oversees the " blocking '' of files. I called and again I was told there was no " block '' nor any history of a " block '' on my file. I contacted my mortgage lender again and after some research they were able to get information about the error they are experiencing : Error code XXXX signifies that Equifax has blocked the Lenders inquiry because the combination of demographics used ( i.e. Name, Address, SSN ) has been identified as fraudulent or not matching the credit file. To resolve this, the Lender must ask their consumer to contact Equifaxs Consumer Department at XXXX and validate the demographics the Lender is using to pull their credit report ( Name, Address, SSN ). Usually this is due to the info missing from the credit file or the information requires further verification from the consumer ( such as a new address or new last name due to marriage ). This occurs due to an automatic process in the Equifax system and is NOT put in place by the consumer. 

I have verified the mortgage lender is entering my correct name, address, social security number and date of birth when requesting my file. 

I again contacted Equifax at the number listed above and again told my file was not blocked. 

My mortgage lender will charge me a higher interest rate on my loan if they aren't able to access my Equifax report so this problem must be resolved IMMEDIATELY. This is an urgent matter. The closing on my new home will be delayed until they can get my Equifax file.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act convergent account XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights 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
Product: Checking or savings account

I opened an account with US Bank then discovered you have XXXX physical locations in XXXX XXXX, SC. I opened the account with {$250.00} in XXXX, on XX/XX/22 I closed the account and was told the only way to get my money back was via XXXX Mail XXXX XXXX Mail. Here we are XX/XX/22 and I still DO NOT have my money. I have made many calls and was finally told a replacement check would be sent out. Today, XXXX XXXX I was called by someone who told me they are sending XXXX XXXX MAIL XXXX MAIL a form that I need to sign and have notarized before my money will be returned. At this point " Check is in the mail '' is another code for stolen and fraud on behalf of US Bank. I am going to copy and paste this complaint and plaster it all over social media. I want my money back. You are a bank and should be able to do a refund to the card that I used. This is theft, clear and simple. Why is it that US Bank uses the MAIL service??????? Are you a bank from the XXXX 's. I am going to send this complaint to anyone and everyone and warn them NOT to bank with you. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

bank has made it so im not able to link my account to any other payment site.