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

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 


15 U.S.S 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 1666B : 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.
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 ( MONTHS REPORTING LATE ) 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 XXXX ) 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: Credit reporting, credit repair services, or other personal consumer reports

Application Status To check the status of your pending application, please enter your Application ID and your Zip Code and then select Continue. 

*Required Field *Application ID : XXXX *Zip Code : XXXX Cardmember : XXXX XXXX XXXX Application Id : XXXX Add XXXX to your address book to ensure delivery. 

Your XXXX  Credit Card Application Status Your XXXX Credit Card Application Dear XXXX XXXX XXXX : Thank you for applying for a XXXX credit card. Your application for the XXXX XXXX was received on XX/XX/2017. 

We are currently processing your application and will be in touch within 1 week. We look forward to the opportunity to serve you. 

To check your application status, please click here. 
XXXX XXXX XXXX XXXX XXXX XXXX We look forward to having the opportunity to serve you. 
so i put in my information ... and this is the message ... XXXX We are unable to complete your request at this time. Please call XXXX for further assistance. so i have great credit just follow my asset # XXXX because when you take out a loan you have to show THE FEDERAL RESERVE YOUR CREDIT SCORE AND I HAVE THE NEW CREDIT ALLOWED BY MY FATHER XXXX TAKE IT UP WITH HIM HERE IS HIS NUMBER XXXX
Product: Credit card or prepaid card

dispute claim number XXXX, net spend prepaid business card corporate office and costumer service ignoring my dispute, they never try to help me to get stolen money back to my account, costumer service very rude, I don't know what to do any more with this bank!
Product: Credit reporting or other personal consumer reports

I'm a victim of identity Theft. My information has been exposed in the Equifax data breach. The following inquiries are not affiliated with me nor are they authorized by me and I would like them to remove from any affiliation with me immediately. 
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 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 XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
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 XXXX XXXX  Account Number : XXXX, Court : XXXX XXXX XXXX XXXX XXXX XXXX Number : XXXX, 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 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 or 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, credit repair services, or other personal consumer reports

I checked my credit report on XX/XX/2022. My XXXX report showed a hard inquiry from Citibank NA XXXX on XX/XX/2022. I did not apply for this line of credit. I filed a dispute with XXXX on XX/XX/2022 and they completed that dispute on XX/XX/2022, stating that the report was accurate. 
On XX/XX/2022 I called XXXX and was told that Citibank should be able to tell me how this credit inquiry was made without my consent. After 14 phone calls to every Citibank number I was given or being transferred to, I was told that they showed no accounts in my name. 
But no-one could explain how a hard credit inquiry was authorized without my permission. I don't know if this is fraudulent activity or sketchy business behavior?
Product: Credit card

Dear Sir/Madam, I am writing to formally dispute the unauthorized access and furnishing of my credit information by your bureau. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681 Section 602 and 15 U.S.C. 1681b Section 604 ( a ) ( 2 ), it is required that a consumer 's credit report can only be accessed and furnished under certain circumstances, including obtaining the consumer 's written consent.

I have reviewed my credit report and found that there have been inquiries and other actions taken which I did not authorize. At no point did I provide written consent to your bureau or any third party to access or furnish my credit information.

According to 15 U.S.C. 1681 Section 602 ( a ), Congress has established the need for fair and accurate credit reporting, emphasizing consumer confidentiality and the necessity for consumer protection against the dissemination of inaccurate information. Furthermore, 15 U.S.C. 1681b Section 604 ( a ) ( 2 ) explicitly requires that consumer reporting agencies obtain written instructions from the consumer before releasing their credit report.

Since I did not provide such consent, I am requesting the following actions be taken immediately : 1. Remove all unauthorized inquiries and information from my credit report.

2. Provide me with a comprehensive list of all entities that have accessed my credit report without my written consent.

3. Cease any further dissemination of my credit information without my explicit, written authorization.

I also request that you provide me with written confirmation that these actions have been taken within 30 days of receipt of this letter, as stipulated under 15 U.S.C. 1681i.

Failure to comply with these requests will leave me no choice but to take further action, which may include filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), and seeking legal remedies for the violation of my rights under the FCRA. 

Please address this matter with the urgency it demands. I look forward to your prompt response. 

Sincerely, XXXX XXXX
Product: Credit card

In XX/XX/XXXX, I made large ( costly ) purchase from Home Depot ( HD ) in XXXX, CA relative to kitchen remodel, with terms of 24 months/same as cash. Initially paid-down nearly ( over ) half, with approx. {$17000.00} balance. Immediately began ( XX/XX/XXXX ) began making $ XXXX monthly payments in addition to the monthly minimum payments HD concurrently withdrew from my banking institution, XXXX XXXX XXXX XXXX ( XXXX ). As of XX/XX/XXXX began making {$500.00} per month additional payments, and began making {$700.00} ( in addition to monthly min ) payments to the account via direct deposit from XXXX. 

In late XXXX or XXXX, I began receiving what I initially thought were rebate checks for the multitude of appliances, new cabinetry, countertops and more ; each check had a must be deposited by date, or ( presumably ) otherwise loose amount. In late XXXX I finally got around to addressing a pile of paperwork, and noticed my HD account balance was WAY too high, and not reflecting my extra payments which were wholly intended to have a XXXX balance by or before the 2 years/same as cash ; it dawned on me that the checks I was receiving were the exact amounts of the previous months deposit. I promptly contacted HD and thusly began a hellscape of referrals, requests for proof, denials of provided evidence, even as to this day I continue having my direct deposits to the CORRECT account NOT applied to the account, but instead returned, seemingly as though a Mafia grasp to have me stuck with the large balance with massively elevated interest. After multiple months of countless phone calls and mailed documents I was recently informed that XXXX coordinates HDs billing. I attempted reaching CitiBank and was repeatedly referred back to HD, who then referred me back to Citibank. Up to yesterday, I spent nearly XXXX hours on hold, transfers, then disconnections attempting to get some credible resource to help with this. I have repeatedly provided verification of transactions from my bank to HD, and repeatedly been told by HD I didnt provide verification of my statements.
Product: Credit reporting or other personal consumer reports

These inquiries have been added to my credit report without my authorization! 

XXXXXXXX XXXX XXXX XXXX XXXXXXXX XX/XX/2023 I disputed them and they remain on my credit report!
Product: Mortgage

I switched insurance carriers on the mortgage. I transferred from XXXX ending on XX/XX/2023 to XXXX XXXX starting on XX/XX/2023. 

Freedom Mortgage is trying to charge me {$7.00} dollars annually for insurance coverage for XX/XX/2023. Even though I already had insurance thru XXXX for that day. Coverage lasted until XXXX XXXX and at XXXX XXXX on the XXXX XXXX XXXX became effective. 

I tried to resolve this with Freedom Mortgage but kept getting g the response that the industry standard is to have overlapping coverage. Neither insurance carrier nor anyone else I have talked to has heard of having to have overlapping coverage. Nor is overlapping covers in my mortgage contract. There is no need from the document I signed stating that I have to have dual insurance for a 24 hour period if I change carriers.
Product: Credit card or prepaid card

On XX/XX/2022, I called American Express to request moving {$5000.00} of my credit from my card ending in XXXX to my card ending in XXXX. Instead, the representative did a balance transfer of {$260.00} between my cards. I have since called American Express four separate times and submitted at least three cases ( # XXXXXXXX XXXX XXXX XXXX XXXXXXXX ), the latest being an escalation on XX/XX/2022 via customer service supervisor XXXX. In over a month, American Express still has not corrected this unrequested balance transfer. Indeed, the last time the back office saw my case, they sent it back " because there was no credit on the account. '' Or, perhaps it was because on my second call, I did eventually manage to successfully move my credit lines between my two accounts. The letter I received recently states that I am not allowed to move my credit more than once every 30 days. Who knows what the actual reason is? This is unbelievable. American Express altered both my accounts without my consent and now they are not correcting the issue. Tomorrow, I will have to pay an extra {$260.00} out of pocket to my card ending in XXXX and I am furious. I want them to undo the balance transfer immediately and if necessary, refund me {$260.00}. Please note that American Express and I have recorded these conversations and they know full well that I never requested any balance transfer.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Formal Complaint Regarding Inaccurate Late Payment Reporting Dear CFPB, I am submitting this complaint regarding inaccurate late payments that are reported on my credit file maintained by Equifax. I believe these late payments are erroneous and do not accurately reflect my payment history. 
Nature of the Complaint : Inaccurate Reporting : The late payments listed on my credit report are inaccurate. I have consistently made my payments on time, as I have been enrolled in autopay for all my accounts. 
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. 
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. 
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, attorneys fees, and possible punitive damages, for failure to comply with the Act 's requirements. 
Specific Errors Identified : Late payments inaccurately reported for XX/XX/XXXX and XX/XX/XXXX. 
Requested Resolution : I request that Equifax conduct a thorough investigation into this matter and remove the inaccurate late payments from my credit report. I ask that all such entries be updated to reflect my true payment history of 100 % on-time payments. 
I expect to receive written documentation confirming the removal of these entries within XXXX days of this complaint submission. Failure to resolve this issue may lead to further action to protect my rights as a consumer. 
Thank you for your immediate attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My mortgage company has tried to get my credit report but can not. There is no freeze or fraud on the report or anything. I called their agent numerous times and they said my account was being worked on, they do have my birthdate wrong, it should be XX/XX/1946 instead of XX/XX/1946 and the agent said he would correct it. All I want is Equifax to release my information when all the requirments are met. By not releasing my information, they have already ruint my XXXX, because of no bureau report to complete approved loan.
Product: Debt collection

They were running a promotion..turn in my phone and i switch companies. And they charged me for my phone
Product: Credit reporting or other personal consumer reports

I didn't open any of these accounts XXXX XXXX XXXX XXXX for XXXX dollars someone other than me has did it and others like theses XXXX XXXX  for XXXX dollars not me and most definitely XXXXXXXX XXXX XXXX XXXX  for XXXX dollars I don't remember opening up any of these accounts so I want them removed because these accounts are fraudulent look into them carefully I think my identity was hacked
Product: Money transfer, virtual currency, or money service

I purchased an item and paid for it via Paypal. The seller shipped me an item " not as described ''. I contacted the seller and they assured me numerous times that they would ship a replacement. 3 weeks transpired and they refused to provide any tracking information and all i was getting was lip service/run around. I opened a dispute with Paypal for the incorrect item. Paypal did authorize the refund IF i returned the item back to the seller. I told them I would be happy to do so but that I will not be responsible for shipping charges to return the 15LB item back to XXXX ( shipping alone is calculated at over {$150.00} ). I ordered the correct item and the customer service rep for the company confirmed what i ordered and was shipped something completely different, not to mention the item i received is a counterfeit XXXX  product made in XXXX. The seller advertised the items online as XXXX. I used Paypal for the protection that it gives the seller and the buyer. However paypal is now telling me that I must pay the return shipping on an item that was sent to me fraudulently to get a full refund.???? Why am I responsible for return shipping on an item that is clearly fradulent and not what I ordered????? Paypal refuses to budge on this issue, even tho i have made it very clear to them what they sent me is ILLEGAL!!! They dont care at all they are happy protecting the criminal seller and punishing me the customer for making a normal purchase. The only way to solve this issue is a full refund of my money! The only person they are protecting in this issue is the seller and themselves.
Product: Checking or savings account

Starting XX/XX/2023, my checking account with Chase Bank started being charged a $ XXXX  monthly service fee due to lack of funds. However, I have adequate funds in my savings account. When I contacted Chase Bank they stated they can not " link '' my savings account to my checking account. They said it was a technical issue on their end and are working on a resolution. They have refunded the service charge for XXXX, but no others, including XXXX, XXXX, and XXXX. I am out {$75.00}, with no resolution in sight.
Product: Credit card

I purchased items during the holidays from QVC. I returned 4 items and was to receive a refund to my PayPal account. I didn't receive the proper refund. I called QVC and a lady named XXXX reviewed my refunds and stated to call PayPal. PayPal indicated they had to additional refunds from the company. I called QVC back and asked that they send me an email showing the returned items and the amount of refund owed. They said I would receive the email in 3-5 business days. Upon the XXXX day, I received no email with requested information. I called QVC on XX/XX/XXXX and spoke to a supervisor who indicated that the finance department denied to send me the requested information. I asked to be transferred to that department and was told they can't be reached. QVC has closed my account due to a dispute with Scychrony Bank effective XX/XX/XXXX. I am paying on items that I have currently purchased thru PayPal. I returned items and just want a copy of the refunds due to me and why I wasn't refunded the proper amount. I as a consumer who owes money to a company should have access to what I owe or refunds due to me.I feel this company is denying me my consumer rights.
Product: Credit card

When signing in with customer service representatives over the phone for auto payment they got my bank account wrong .after that because I was out of country and could not manage all accounts I got a late payment on my credit report.i never had any late payments ever.now this is affecting my score with bad impact.when I find out this I made a payment immediately but did n't help
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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 DEPT OF ED/XXXX XXXX DEPT OF EDXXXX XXXX DEPT OF ED/XXXX XXXX DEPT OF ED/XXXX XXXX DEPT OF ED/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

This company, which I hold no contract with nor have received services from, reported a collection amount against my SSN in the amount of {$410.00} with XXXX XXXX  and XXXX credit reporting agencies. I requested verification and validation of the debt, including a wet signature on the document of my alleged debt, however, the business failed to provide adequate proof. Considering this business does not have a signed contract with me for goods and services they have provided nor have they provided adequate proof I am not obligated to pay for the alleged debt.
Product: Credit card

On XX/XX/2023 I paid my statement balance in full of {$820.00}, they then stopped sending me statements. Then received an alert on my credit report, I was in default. Commenity bank had rolled {$23.00} in interest charges without sending me statements. Two months of late fees. No messages received from the company. I had no clue these were being charged until it hit my credit report. Commenity bank refuses to take ownership, spoke with XXXX on the supervisor level and they still refused to fix the mistake. Told me she can not even verify if they tried to contact me via email they have no record. Clearly a UDAAP violation.