23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Attached are the documents. I'm kindly asking the bureau to start an inquiry into these accounts, as they wrongly depict me as late in my payments, despite my consistent punctuality.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. CAPITAL ONE BANK USA Inquiry : XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX. But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.
Product: Credit card or prepaid card

On XX/XX/XXXX I hired XXXX XXXX XXXX  ( XXXX XXXX XXXX to fill in cracks and resurface my driveway. Mr. XXXX quoted me {$400.00} for completion of the services. When the work was completed for the day, Mr. XXXX informed me that the driveway required more work than what was anticipated and that he would have to return to apply another coat. We agreed that an addition {$200.00} for a total of {$600.00} would be a fair price, and that he would return XX/XX/XXXX to complete the job. In good faith, I paid Mr. XXXX the {$600.00} using my XXXX XXXX XXXX XXXX XXXX XXXX. After numerous attempts to get Mr. XXXX to return to complete the job, he ceased responding and was not heard from again. The job was left unfinished ( See photos ). 

It was at this point that I filed a claim with Barclays and was informed that they would investigate the claim. Initially, {$200.00} was credited to my account on XXXX XXXX. I was never notified about any additional information concerning the dispute. On XXXX XXXX, I was rebilled the amount of {$200.00}. Again, I was not notified about this. Upon examining my credit card statements in XXXX, I notice this rebilling and immediately called Barclays. I was informed that the case was closed and that I would have to write another letter to have this dispute reopened.

It wasn't until after I had contacted Braclays until I received the notice of rejection in the mail. Upon examining the documents, the merchant supplied Barclays with an invoice that is not even related to my case. I sent notice to Barclays with additional information including photos of the unfinished work, the correct invoice indicating that he would return to complete the job on XX/XX/XXXX and that there was a two year warranty on the work, and XXXX pages indicating that the merchant has a track record of taking money from customers and not finishing work. The merchant never returned and will not answer calls. On XX/XX/XXXX, I received notice that the dispute was outside the permitted timeframes and that I should continue contacting the merchant directly.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Manual verification is required from notice. These items are illegal and needs to be removed asap. 

Copies of my signature needs to be provided and dates. These accounts are illegal and as i stated needs to be removed. 

Under USC Sec 15 1681, 1682, 1683, 1684, 1692, and FCRA tbese accounts were already disputed and passed timeframe of removal from all three Credit Bureaus XXXX, Equifax, XXXX. These accounts needs to be removed immediately. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across XXXX, Equifax, and XXXX. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my Equifax, XXXX, and XXXX report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter. 

Thank you for your time and help in this matter. 


Under USC 15 1681, 1682, 1683, 1684 these accounts must be removed immediately. 

I am requesting a manual veriication and not an automated process through XXXX, Equifax, and XXXX stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out twice now, and legal action will be taking under FCRA and FTC reports against these companies and also credit bureaus. 

Sincerely, XXXX XXXX XXXX $ Balance {$170.00} Date Opened XX/XX/XXXX XXXX XXXX Balance {$440.00} Date Opened XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXXXX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX VIA DEALER XX/XX/XXXXXX/XX/XXXXXXXXXX/XX/XXXXXXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXXXX/XX/XXXX
Product: Money transfer, virtual currency, or money service

Contacted cash provided by XXXX XXXX, They credited there account with my own funds.. with out my acknowledgment.
Product: Credit reporting, credit repair services, or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following items which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 


XXXX XXXX XXXX XXXX XXXX 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
Product: Money transfer, virtual currency, or money service

I transferred money to the person 's name XXXX. He told me he works for affordable moving LLC as I needed movers for relocating from XXXX to XXXX. I transferred XXXX on XX/XX/22 and XXXX $ o XX/XX/22 and that was through chase bank app ( XXXX ). I called Chase bank, and they told me that they can't get money bank since it was through XXXX, and it is gone.
Product: Credit card

Citibank LL Bean Master Card XXXX  : XXXX XXXX XXXX XXXX Issued to XXXX, XXXX XXXX, exp date XX/XX/XXXX. 

This complaint is against Citibank, the issuers of the LL Bean Master Card. I got the LL Bean master card application/filled out, at the checkout counter, at LL Bean where I have been shopping for over XXXX  years. 

CITI SENDS ME THE CARD THEN DENIED CHARGE SAYING I NEED TO BE VERIFIED. 
It arrived last week, and Sunday, XX/XX/XXXX, I had made XXXX charges at XXXX, then went to pick up, and pay for my dogs grooming, at XXXX. At XXXX, Citibank denied my charge card. I tried it XXXX  times, and it was still denied. I have been going to XXXX, in XXXX, since XXXX, to have my dog groomed. Talk about a red face?? 

I used a different card, to pay for the dogs grooming, XXXX more reliable than Citibank LL Bean Master Card. 

When I got home, yesterday ( Sunday ), I called the XXXX customer service line, XXXX and I asked the agent why my new card had been denied at the register? 

I was told by the agent, I hadnt been verified yet. Hellooooo, earth calling Citibank would the intelligent among us, have verified me, before they even sent me the card???? 

I told the agent, I wanted them to send me a bill for what I owe, and I wanted the credit card cancelled. She responded that I can not CANCEL the card, even if I pay it off ( +- {$1000.00} due at this point, ), until they verify me. 

I called again, this morning ( Monday ), and was told the same thing. 

What I am asking the consumer financial protection bureaus help with. 

XXXX The bank behind this credit card, has the horse in front of the cart you verify a person, before you send a card out! Sending out a card, before verifying a person, is putting the person who owns that name, at financial risk, when Citi doesnt do a thorough job, before sending out credit cards. This sending of cards, to unverified people XXXX, should be a fineable offense. Its flat out, a dangerous policy. 

XXXX told the agent I wanted a final statement sent to me, immediately, which I would pay then I wanted the card cancelled, as its unreliable. The agent said I could not cancel/close the account, until I verified myself, WHAT???? I want the CFPB, to require that Citibank, send me a final statement, asap. I will pay that off. 

XXXX. I want CFPB to require that Citibank, CLOSE that card account, and notify all XXXX credit agencies ( XXXX, XXXX, XXXX ), that the account is closed, At the request of the card holder. 

I can not afford to do business, with a bank ( Citibank ), that is so slip-shod, and unreliable in its processes, that it sends credit cards out, BEFORE THEY HAVE EVEN VERIFIED A PERSON! 

That puts the credit rating, and financial safety, of the real owner of the name at risk when Citi does such a poor job of verification after the fact when whoever has already been issued a card.
Product: Credit reporting or other personal consumer reports

I continue to try and get these inquiries off my credit report but Transunion is not willing to work with me on this issue. I've had no issues removing them from another credit bureau. I was told to file an FTC report to have it removed and I did that but still no fair resolution has taken place.
Product: Credit reporting or other personal consumer reports

Hard Inquiries are showing on my Consumer Credit Report without my consent. This is causing harm to credit worthiness by violating my rights under 15 USC 1681 ( b ) 2 Permissible Purpose- any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ). in accordance with written instruction of the consumer to whom it relates, and also under 15 USC 6802 - Obligations with respect to disclosures ; a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title ( b ) Opt Out - A financial institution may not disclose nonpublic personal information to a nonaffiliated third party ( B ) the consumer is give the opportunity before the time that such information is initially disclosed to direct that such information not be disclosed to such third party. I did not give XXXX XXXX, XXXX or XXXX ) permission to share my information, nor was I give the opportunity to OPT OUT of having my information shared with consumer reporting agencies. This is a clear violation of the rights and I have a right to my privacy.
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. 

Account Name 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 and 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: Vehicle loan or lease

Hello, I bought my vehicle in XXXXXXXX XXXX XXXXXXXX for {$39000.00} through United auto credit. Payment were {$1000.00} a month. Its now XXXXXXXX XXXX XXXXXXXX and my payoff is {$34000.00}. I can't even trade the vehicle because I'm so upside down. Is there anything you can do to help?
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Acceptance erroneously reported a late payment on my credit report. This has significantly impacted my life. I am unable to get approved for a mortgage. Credit acceptance has refused to remove off my credit after several disputes and complaints to the creditor and credit bureaus. They customer service I received regarding this matter was very rude and demeaning. I would never recommend this loan company. They falsely report information that affects a customers ability to obtain credit elsewhere. I would like the sirurisriin to be rectified by Credit Acceptance removing the false report of a late payment off my report immediately. I have supporting documentation that states I have paid on time each month. My payments are automatically drafted each month.
Product: Debt collection

I am disputing Account Number XXXX, with Bank Of America. I have been paying {$300.00} a month for more than a year and Bank of America continues to state on my credit report that this is a charge off. The amount owned never changes as well. 

Example of XXXX  : Bank of America Balance {$24000.00} Closed 27 charge-offs Example of XXXX  : BANK OF AMERICA Last reported XX/XX/2020 {$24000.00} Reported balance Remarks Charged off as bad debt Profit and loss write-off XXXX  and XXXX  please remove from credit report.
Product: Mortgage

XXXX XXXX and Rushmore have seriously damaged my familys financial situation costing us hundreds of thousands in unnecessary fees, penalties, and interest. 

Specifically, the bank commandeered the insurance proceeds from a fire, refused to apply those funds to the principle balance of the loan, refused to re-amortize the remaining balance, trashed my reputation with other banks eliminating any opportunity to refinance or go to a competitor, rejected three attempts at a loan modification, ignored multiple letters asking for documentation, ignored dozens of phone messages to representatives telling me they are my single point of contact, loaded our home mortgage with unnecessary and inappropriate advanced fees and balances for duplicate insurance & advanced tax payments, attempted an aggressive foreclosure without warning, added additional legal fees, finance fees, and taxes, refused to restructure credit card debt, withheld funds unnecessarily forcing overdraft fees, denied a land-only loan for the home that burned, sold off the note to Rushmore making it impossible for me to even talk to XXXX XXXX and making it impossible for Rushmore to address any historical complaints, and now they continue to destroy my reputation through bad credit scores, forcing me to pay egregious credit card rates on the remaining debt and burdened us with a mortgage debt we do not owe and an interest rate well above the conforming market rate. 

XXXX XXXX told us the only way to get a loan modification is to go into default. Then, they trashed our reputation and slandered us in the marketplace through a bad credit score, even though they told us to do it. Now, were stuck like indentured servants to them. We cant go to another vendor and they wont make any changes to the loan. 

Theyve locked us into a 5.5 % mortgage rate when we should only be paying 3.3 %. This is costing us $ XXXX in interest we should not be paying. Plus, this has been going on for years, so the additional interest paid is roughly {$200000.00} and counting. 

Please see the attached summary of letters, activities, dates, amounts, etc.. 

Rushmore continues to claim they have no history of the XXXX XXXX activity, and XXXX XXXX continues to claim they no longer own the note, so we have to talk to Rushmore. Its a vicious circle with no resolution. Its also extremely expensive, stressful, damaging, and soul-crushing to our family. 

Anything you can do to help?
Product: Credit reporting, credit repair services, or other personal consumer reports

The following items continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these items must be verified ( A ). I will bring legal action against you if you do not verify these items. To help this situation be settled as quickly as possible, kindly uphold the law. I'm looking forward that the following items will be corrected or deleted soon : XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

My account was never late! I have had exceptional payment history 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 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 21 days before the payment due date.

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!

Update the late payments from my consumer reports
Product: Student loan

I have a loan with MOHELA/XXXX XXXX  XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX  and MOHELA/XXXX XXXX XXXX with no successful resolution.XXXX only reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX-XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX-XX/XX/XXXX.
Product: Debt collection

12 CFR 1006.18 False, deceptive, or misleading representations or means. 
In XX/XX/XXXX, I received a summons document requesting my appearance in court on XX/XX/XXXX, on behalf of Midland Credit Management Inc. The document stated that failure to file a response would result in a court judgment against me. 

Upon arriving at the courthouse on XX/XX/XXXX, I was informed by the clerk that there were no court filings associated with the case number and that the document was invalid. Midland Credit Management was aware of and willingly served me with false, deceptive, and misleading representations or means, thereby violating 12 CFR 1006.18. 

Despite this, XX/XX/XXXX, Midland Credit Management was awarded a judgment to garnish my wages for the amount of {$1700.00}. As of today, I have been garnished {$620.00}, and I am pursuing legal action due to Midland Credit Managements deceptive and misleading practices.
Product: Credit reporting or other personal consumer reports

Subject : Complaint Regarding Inaccurate Late Payments on Credit Report I am submitting this complaint regarding inaccurate late payments that are reported on my credit file maintained by Equifax Information Services LLC. I believe these late payments are erroneous and do not accurately reflect my payment history. 

Account XXXX : XXXX XXXX XXXX XXXX of the Complaint : 1. Inaccurate Reporting : The late payments listed in my credit report are inaccurate. I have consistently made my payments on time, as I have been enrolled in autopay for all my accounts.

2. Violation of the Fair Credit Reporting Act ( FCRA ) : The inaccurate reporting of these late payments violates my rights under the FCRA ( 15 USC 1666 ( b ) ), as they misrepresent my creditworthiness.

3. Potential Violation of Fair Debt Collections Practices Act ( FDCPA ) : The reporting of false late payments may also constitute a violation of the FDCPA, which protects consumers from misrepresentation regarding their accounts.

4. Truth in Lending Act ( TILA ) : I assert that the reporting practices violate the TILA, which mandates accurate reporting of credit information.

Additionally, the Fair Credit Reporting Act ( FCRA ), specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files.

Furthermore, under the FCRA, articles 616 and 617 ( 15 U.S.C. 1681n and 1681o ) outline the civil liability for willful and negligent noncompliance, respectively. These provisions provide for damages, including actual damages, attorney fees, and possible punitive damages, for failure to comply with the XXXX 's requirements.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this CFPB Complaint to dispute the presence of certain items on my credit report, which I believe to be fraudulent. I have previously disputed these items, but they continue to be reported on my credit file. I am requesting that these items be removed immediately in accordance with the Fair Credit Reporting Act ( FCRA ) Section 605b. Please take a look at the following items : XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX : {$4900.00} XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX. As you are aware, FCRA Section 605b states that any information that is inaccurate, incomplete, or can not be verified must be promptly removed from an individual 's credit file. I believe that the items in question fall under this category, as they are fraudulent and do not accurately reflect my credit history.