23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I was informed by an agent by the name of XXXX XXXX with XXXX that in order to overturn a denial to my application for a lease on an apartment that was already approved, when my wife applied alone because their application didnt originally let me be added as her spouse, that i needed to pay an outstanding debt of {$150.00} to a debt collection company called TSI . She gave me the number in a text message as followed, Okay so from what the billing department stated was this : Please have them contact TSI at XXXX to pay the {$150.00} balance due on that account. Once this is paid, please email over the proof that the balance is paid in full and once received then I can get the approval to overturn the denial. so I called TSI and this debt is no longer active and closed and has no balance because it was a debt discharged with my bankruptcy in XX/XX/2016. The original debt was with an apartment community named XXXX in XXXX Texas and then sold to TSI in XX/XX/2016. Nonetheless, XXXX is stating they need some form of documentation from TSI that the balance was paid or at XXXX in which I asked TSI for but they are stating they can only fax such letter and it will take 3 days. This is an issue for me because this to begin with should not be reported by the consumer reporting company the leasing desk/real page, secondly Im being told to pay a debt I am not longer liable for because it was included in my bankruptcy. This is hindering from moving in to my apartment but its not even something I owe to begin with. So the leasing desk is repeating wrong and XXXX is reporting wrong and XXXX  is showing wrong that I still owe something I dont.
Product: Credit reporting or other personal consumer reports

Dear, CFPB I am writing a Follow-Up Complaint Regarding XXXX 's Lack of Response to Previous Dispute I submitted a complaint regarding an inaccuracy on my XXXX, XXXX and Transunion credit report. On XX/XX/XXXX I submitted complaint XXXX, which has not been addressed adequately by XXXX, XXXX is XX/XX/XXXX and I have yet to receive a response through the CFPB portal as requested. 

The inaccuracy regarding the reporting of my payments remains uncorrected. XXXX 's lack of response and action not only affects my credit standing but also violates the Fair Credit Reporting Act ( FCRA ) requirements to maintain accurate and complete credit information.
Product: Credit reporting, credit repair services, or other personal consumer reports

1

5 USC 1681 Section 602 States : I have the right to privacy.

15 USC 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.

15 USC 1681 Section 604a Section 2 : It also states that a consumer reporting agency can not furnish an account without my written instructions.
Product: Checking or savings account

I opened this bank account with KeyBank in XX/XX/XXXX. I opened it with a reward code XXXX where I should get {$200.00} if make a direct deposit of {$500.00} within 60 days. I made a sufficient direct deposit almost immediately, but never received the account bonus promotion. These things sometimes take awhile to get paid out, and i had a baby around that time so I kind of forgot about it. I finally got around to call them the past week and had a whirlwind of reasons given why i never received it. I first talked to a customer service rep ( CSR ) who told me at first I did not receive the bonus because the promotion was not attached the account. I told them it was and gave the code that was used. She then told me it was because I had an account previously with him from like 5 years ago. I told her that the terms state I must not have had an account open within the XXXX previous months of the new account opening. She agreed but then said it was because my last account was closed on XX/XX/XXXX, and the new account ( with the bonus i'm trying to receive ) was opened on XX/XX/XXXX. I told her this is wrong because i closed that previous account on XX/XX/XXXX. I then asked to transfer to a supervisor. 

The supervisor told me that I did not get this because i opened the account within the 12 month period ( as detailed above ). I was adamant to him that I closed the previous account on XX/XX/XXXX ( I keep good records on this ). He then did some research and found out that I had a conversation with a KeyBank rep in XX/XX/XXXX and there was a close account request submitted at that time, but he was not sure what happened. So he agreed to submit a exception request for me. 

The ops person called me within a couple days about this exception request. After doing some research, he said I did not get the bonus because of my previous account was not closed until XX/XX/XXXX and because the direct deposit i received was likely not payroll ( reasoning was it said 'quickbooks ' ). I told him about my previous conversation with the supervisor on the account closure date, and then told him that i could show proof that the direct deposit was in fact payroll and my company uses quickbooks. He demurred and said he would call me back later after doing more research. I got a call the next day saying the reason I did not receive the bonus was because the code was not attached to my account at opening. I told that was wrong as it certainly was, I have the code used, and even on new promotions, the code is automatically attached. I'm fairly certain KeyBank was just thinking of all possible reasons to deny me my bonus. I hung up and told him I would file a CFPB complaint.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Reinserted Late Payment XX/XX/year> To Lending Club, I am writing to formally dispute the reinserted late payment from XX/XX/year> that has recently reappeared on my credit reports. This negative information was previously removed, and its reappearance on my file is both incorrect and unacceptable.

Under the Fair Credit Reporting Act ( FCRA ), you have violated my rights in the following ways : 1. Failure to Notify of Reinsertion : According to 15 U.S. Code 1681i ( a ) ( 5 ) ( B ), if a pie
ce of information that was previously deleted is reinserted into a credit report, the consumer must be notified within five business days of the reinsertion. I did not receive any such notification.

2. Requirement for Certification of Accuracy : Under 15 U.S. Code 1681i ( a ) ( 5 ) ( B ) ( i ), information can not be reinserted into a consumers file unless the credit furnisher certifies that the information is accurate. I was not provided any evidence that this certification was made prior to the reinsertion. 

By violating these provisions of the FCRA, you have caused harm to my credit standing, and I demand that this issue be rectified immediately. I request that you conduct an investigation and remove this inaccurate information from my credit file permanently. 

If this matter is not resolved promptly, I will pursue legal action to enforce my rights under the FCRA and seek compensation for the damages caused by this erroneous reporting. I expect a written confirmation of the removal within the required 30 days of this letter.

You guys have messed with this account numerous times all three bureaus are reporting different things one minute the late payment is updated to paid as agreed then next month it goes back to 30days late. It has also completely been removed from my credit as well then pops back up. This matter is ruining my life and causes a lot of pain and suffering remove this 30 day late immediately!! 

Sincerely, XXXX XXXX
Product: Checking or savings account

XX/XX/21 I open a Citibank account online with a {$300.00} deposit from my primary account with another institution. XX/XX/21 the funds were available. I set up my job direct deposit and used XXXX in the Citibank app to transfer {$110.00} that same day. XX/XX/21 I received an email the account is blocked for my security. It is now XX/XX/21, the rest of my deposit and XXXX payroll check are now stuck in that blocked account I havent had access to since my initial deposit was available. I speak with customer service daily to no avail, I did not receive the XXXX debit cards they claim to send so I have not requested a check but they also have not offered it. I am unable to pay bills and make it to work due to the negligence.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law.. I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX Open Date XX/XX/2015 Balance : {$0.00}
Product: Payday loan, title loan, or personal loan

I paid my regular required loan on XX/XX/XXXX On the XX/XX/XXXX I made an additional payment to be applied to the PRINCIPAL ONLY. 
I just received my XXXX statement where the company ( One Main Financial ) took {$57.00} out of the {$110.00} for themselves as interest. 
Only {$58.00} of my {$110.00} was applied to the principal which I had made the payment to only the principal. 
On my first and regular payment made on XX/XX/2021 again Only XXXX went towards principal and {$100.00} went to OneMain for Interest. 
I need assistance in clarifying if I send in my payment to be applied to the Principal balance after I had already made my regular monthly payments, can OneMain do what they did with my principal payment? 

My second complaint against this company is : They never advised me that they were going to use my car as Collateral. It was not until I was called in to sign the papers they told me they need to inspect my car and need insurance papers on my vehicle. 
At closing all additional stuffs are added to documents to be signed on a computer the day of closing. 
No hard copy of all charges is given to be read before closing date and time is scheduled for me to sign. 
I think this company needs to be more transparent in their lending practices and requirements, due to the fact that their targeted consumer market is lower income families. 
I have purchased over three homes in my lifetime, and have never confronted any accounting methods such as OneMain Financial accounting practices. 
The loan is hardly been reduced. 

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

I have been trying to resolve this issue with the companies and with the bureaus. I am a victim of identity theft and have accounts on my credit report that do not belong to me.
Product: Vehicle loan or lease

I am filing a formal complaint against Overland Bond for their practices regarding my leased XXXX XXXX XXXX XXXX. I entered into a lease agreement with them in XXXX, under an arrangement requiring weekly payments. Recently, I have faced ongoing issues that include aggressive behavior and unethical practices by Overland Bond, which I believe infringe upon my consumer rights. 

Car Disabled Without Notification : Overland Bond has remotely disabled my vehicle without providing prior notification or justification. This has prevented me from going to work, impacting my livelihood. 

Request for Payment Modification Ignored : I have requested to adjust my payment schedule from weekly to monthly payments, but Overland Bond has failed to respond to my request. 

Lack of Lease Agreement Copy : After missing one payment, I requested a copy of my lease agreement. Overland Bond has not fulfilled this request, leaving me without clear documentation of the terms of my lease. 

Continuous Aggression : The company has exhibited bullying tactics by repeatedly turning off my vehicle and creating unnecessary stress and hardship.

Violation of Consumer Rights : Under federal and state laws regarding vehicle leasing, I am entitled to fair treatment and clear communication about my lease terms. Specifically : The Consumer Leasing Act ( CLA ) requires that lessors provide a written copy of the lease agreement, including detailed terms of payments, penalties, and conditions for repossession or vehicle disablement. 
Lease terms and penalties must also be disclosed in a transparent and non-predatory manner.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX TRANSUNION was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on XXXX. 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 TRANSUNION 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 or other personal consumer reports

We paid this credit card in full months ago and NEVER used this account AGAIN... the card was stolen, when I noticed it missing, I reported the card stolen and made them aware of the issue and that if any charges occur they will be from theft! They replaced the card, we NEVER activated either new card! And then non stop charges started within a short time and I reported ALL the fraudulent charges! I filled out the forms 2x, written them 3x, and called fraud dept several times disputing ALL charges cause we NEVER used cards after we paid off account! We actually requested account to be closed after it was paid off! Why it wasn't we don't know! We are not paying for fraudulent charges on this account and want it removed from the credit report immediately! This is XXXX XXXX mistake and over sight, so they need to correct their mistake!!!
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report and noticed some unusual accounts on it. I looked into the accounts and found them to be fraudulent. I have the accounts listed below, along with inquiries. I would like assistance from the CFPB in having these fraudulent and unauthorized accounts removed from my consumer credit report. I have attached an identity theft report filed with the FTC. 
The fraudulent accounts are : XXXX XXXX XXXX XXXX # XXXX, {$1000.00} XXXX XXXX XXXX Acct # XXXX, {$340.00} XXXX XXXX, XXXX, {$590.00} XXXX XXXX XXXX  Acct # XXXX, {$1000.00} XXXXXXXX XXXX XXXX # XXXX {$840.00} The following credit inquiries are also fraudulent and included in my request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate accounts in my file. 
XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Hello. Back in 2013 I visited the XXXX XXXX XXXX XXXX. I have insurance, but the hospital never ran my insurance and they sent my account to collections ( Senex Services ). I received a letter from the collections company and paid the bill in full immediately. At the time I made my payment, I was told by the representative that the insurance was not an option at that point and I was responsible for making the payment and that was the only way to get the bill out of collections and off my credit report. I paid the bill in full at that time. The representative said the derogatory remark would be removed and my account would be noted in full detail as to why I was even sent to collections in the first place. They never removed the account. I have called three times to talk to a supervisor and was told they would remove the account but that has still not happened. This account is not legitimate and should be removed from my reports immediately. I was told by the rep who took my payment that by me paying directly to Senex and not through the insurance, that this would be removed from my credit report. I was told a lie. I expect this record to be removed immediately.
Product: Checking or savings account

I used a company called Coinbase to purchase {$100.00} of bitcoin back in XX/XX/XXXX. Bitcoin was trading around XXXX when I purchased it. After a couple weeks it more than doubled and there was almost {$300.00} in my account. This is when everything started to go wrong. They literally will not let me cash my money out. I have transferred my Bitcoin to the " XXXX XXXX XXXX  '' as instructed. They approve the withdrawal and then ask for documents to confirm identity. Every time I would submit documents to finally get the money there would be unknown errors and other issues with the technology. Ive tried by cell phone and personal computer. It was very easy to submit these documents when I deposited the money. I have send dozens of emails and called the number which no one has ever answered. The email responses are automated and are unhelpful. 

On Wednesday, XX/XX/XXXX, I tried to submit another request to get my money and close the account. I again transferred the money and submitted withdrawal requests. This time I sent a nasty email that said to close my account and give me the money I just withdrew. I received a response that just said, " we closed your account ''. So now my account is closed. I have no access. My money is still in there. They are ignoring all my additional emails and cries for help. This company is the most unethical banking organization I've ever dealt with ( which says a lot ). These evil people only help when you want to deposit money. Everytime I try to withdrawal there is an error.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello I am a victim of identity theft and have been trying to get the credit bureaus to remove the following accounts that have to do with this theft. The following accounts are a result of identity theft : With TransUnion : XXXX XXXX XXXX With XXXX XXXX OPENED XX/XX/XXXX XXXX OPENED XX/XX/XXXX XXXX XXXX XXXX OPENED XX/XX/XXXX XXXX OPENED XX/XX/XXXX XXXX OPENED XX/XX/XXXX XXXX OPENED XX/XX/XXXX XXXX OPENED XX/XX/XXXX XXXX  OPENED XX/XX/XXXX With XXXX XXXX OPENED XX/XX/XXXX XXXX OPENED XX/XX/XXXX XXXX XXXX XXXX OPENED XX/XX/XXXX XXXX OPENED XX/XX/XXXX XXXX OPENED XX/XX/XXXX XXXX OPENED XX/XX/XXXX XXXX OPENED XX/XX/XXXX XXXX OPENED XX/XX/XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX I keep asking them to remove these items and block them due to the identity theft but they just give me a generic response making me wait 30 to 60 days and the theft remains.
Product: Debt collection

The landlord took me to civil court and The case was ruled in my favor non voluntary sue at the plaintiff cost. The court gave me documentation that the landlord should remove all debt from my rental history entirely, but instead the landlord gave it to the collection agency and they got it on my credit report and its damaging my credit and I cant buy or rent a home because it is showing up as a owing debt thats not paid. I think this is bad behavior by the landlord because I am homeless and I cant find anywhere to live.
Product: Credit reporting or other personal consumer reports

Im a victim of identity theft and I have been disputing for several months and they have ignored me although I have provided proof of identity theft and Equifax breach.
Product: Credit reporting, credit repair services, or other personal consumer reports

Trans union credit reporting deleted 4 old accounts in good standing. This made my oldest account on my credit report less than two years old and dropping my credit score almost 200 points!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have found the following inquiries on my credit report recently, none of which I have authorized. I have frozen all 3 credit bureau 's until this is resolved. I want all of these deleted as this is inaccurate reporting and negatively effecting my life and my ability to get a home for my family. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting or other personal consumer reports

Mohela reported account with balance which is incorrect-it should read as a XXXX balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

Multiple Accounts on my report I do not recognize
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), " You are Required by Federal Law to Verify through physical Verification of the Original Signed Certified Consumer Contract of Any and All Accounts You request to be reported on any Credit Report '' XXXX already disputed these items, but the bureaus did not remove them nor prove validation. 
In accordance with the Fair Credit Reporting act XXXX XXXX  XXXX XXXX Account Number : XXXX, XXXX XXXX Account Number : XXXX, XXXX XXXX Account Number : XXXX, XXXX  Account Number : XXXX, XXXX XXXX  Account Number : XXXX, XXXX XXXX XXXX XXXX Account Number : XXXX, XXXX XXXX Account Number : XXXX, XXXX XXXX Account Number : XXXX, XXXX XXXX Account Number : XXXX, 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 a account without my written instructions