23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am writing concerning my experience with Discover that is both a grateful thank- you and a pressing request concerning a trade-line in my credit files that I would like to have revised. 
I received my Discover on XX/XX/year> and took pride in the fact that all my payments were routinely made in a timely manner. Unfortunately, in XXXX XXXX XXXX I had a tragic accident, and was hospitalized with XXXX XXXX, and was in XXXX XXXX over XXXX. I am the sole provider for our family and was unable to go to work for over a month. 
I did use what little vacation and sick time I had to cover our living expenses but needless to say, this left us in an unfavorable position financially. Not only do we have XXXX young children but it was at the hardest time of the year since it was XXXX. Concessions had to be made and re- gretfully, this led to a late payment on my { discover } account. 
The loss of income, even though it was a short period of time was a brutal wake-up call for me concerning financial responsibility. Since that incident, I have learned the essential organization- al and financial management skills I desperately needed at that point and my payment history from { XXXX XXXX XX/XX/XXXX ) reflects that. I wish to thank you for your renewed confidence in me and for giving me a second chance at a positive relationship with { discover }, XXXX that I am deter- mined to keep untarnished. 
I am about to begin the process of purchasing a new home, and it has come to my attention that the late notation from Discover }, XXXX prevent me from taking full ad- vantage of the best interest rates available. Since that notation does not reflect my current status with Discover }, I am requesting that you please give me a second chance at a posi- tive credit rating by revising those tradelines. I sincerely hope that there is redemption at { discover discover }, and I plead for such consideration. 
If any additional documentation would assist in reaching a positive outcome, please feel free to
Product: Credit reporting or other personal consumer reports

The existence of these unauthorized accounts and inquiries has caused me significant anxiety regarding my financial well-being. It is essential that my credit report accurately reflects my financial history, as it informs potential lenders of my financial management practices. Therefore, I am requesting an immediate investigation and prompt removal of the following inaccuracies and unauthorized accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

XXXX Midland Funding LLC, is a third party debt collector, no contract with them I have. The alleged debt, for which under Pub.L. XXXX, XXXX XXXX, operates in bankruptcy as XXXX XXXX, so XXXX XXXX I owe them anything as they have no proof they XXXX have an original wet ink signature, XXXX served notice for suit and were the holder in due course for the Note. XXXX Notes are Promissory Notes, as written on the front of the Floating Rate Note, aka Federal Reserve XXXX, signed by both the United States Treasurer and the United States XXXX of the Treasury. One can only " pay '' a debt under 12 USC 411, Accord and Satisfaction, with real gold or silver coin, same goes with promissory notes, only dollars can be used to settle a debt, every other debt is XXXX, and pre-paid by 31 U.S. Code 3123 - Payment of obligations and interest on the public debt I was never served notice for any debt, nor sued.
Product: Credit card or prepaid card

Applied for a crypto and credit card on XX/XX/XXXX. Was approved for a Gemini account and credit card XX/XX/XXXX. Bought some crypto XXXX and XXXX. Sometime late XXXX, I noticed my account was suspended. Called and they said it was closed, and it was probably temporary because I changed my email address. XX/XX/XXXX. Back and forth emails and phone calls, one excuse after the other. Fast forward to XX/XX/XXXX, Ive withdrawn most of my money, all but a measly {$17.00}. Ive asked repeatedly on how to withdraw the leftover money. The instructions they send do not work. I asked repeatedly what I have to do to reinstate my credit card, and I never get an answer as to how you can, its always, its confidential why we closed it. Its a complete circus act! 
These are fraudulent and unethical practices.
Product: Money transfer, virtual currency, or money service

Dear Sir/Madam, My name is XXXX XXXX XXXX and I am currently in the process of obtaining a mortgage loan for a property. However, during the credit check conducted by my lender, an arrears amount of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I immediately contacted XXXX XXXX, and they confirmed that this entry was mistakenly attributed to my account. They assured me the issue would be escalated to their credit team for resolution. However, they informed me that it could take more than 30 days to rectify my credit file. 

This delay is causing significant stress, as I am at risk of losing the property I intend to purchase. My estate agent is waiting for a resolution, and any further delay might lead to the property being sold to another buyer. This issue is not my fault, and I find it unfair to bear the consequences of an error made by XXXX XXXX. 

I kindly request your intervention to expedite the correction of my credit file. As XXXX XXXX has already acknowledged the mistake and confirmed that I owe no outstanding amount, I believe this matter can be resolved much sooner than the stated timeline of 30 days. 

Please let me know if any additional information or documentation is required. I am happy to provide everything necessary to assist in this matter. You may contact me via email at your earliest convenience. 

Thank you for your attention and assistance. 

Yours sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Id like to dispute a late mortgage payment from XX/XX/2015, a chase card and XXXX   card all from the end of XX/XX/2015.

I made these payments through the XXXX XXXX XXXX   portal like I do all of my bills and for some reason they did not post within the correct timeframe. I did contact XXXX XXXX XXXX and they informed me that they werent aware of portal issues but that because I called they would effect my credit. I just learned that it has affected my credit through a credit report.

Im not sure what to do since Ive just become aware of this. Im not sure XXXX XXXX XXXX records their calls but if they do then thats the only proof I have.

I dont have bad credit since my score is XXXX but I would like to have these marks corrected.

Thank you
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX : [ XX/XX/XXXX ] TransUnion LLC XXXX XXXX XXXX XXXX, PA XXXX Subject : Request for Removal of Unauthorized Hard Inquiry Dear XXXX, I am writing to dispute a hard inquiry listed on my TransUnion credit report. After reviewing my credit report, I noticed an inquiry that I do not recognize or recall authorizing. Below are the details of the inquiry in question : XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX I did not authorize or initiate any request with the above-mentioned company that would result in this hard inquiry. Under the Fair Credit Reporting Act ( FCRA ), I am requesting that this unauthorized inquiry be investigated and removed from my credit report. 

I kindly ask that you please remove this hard inquiry and provide me with written confirmation of the action taken. If further documentation or information is needed for your investigation, please let me know. 

Thank you for your prompt attention to this matter. I look forward to hearing from you soon. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

I have a Southwest Rapid Rewards card with Chase Bank that Ive been paying on monthly on time and I noticed my minimal payment jumped up {$10.00}. I spoke to 2 customer service reps and 1 Lead. The lead told me that I couldnt get my minimal payment down because they have every right to increase my bill at any time. I told her the federal reserve decreased our interest rates, so I didnt understand why my minimal payment would jump up if I havent made purchases. She told me Im paying an APR rate at 26 %, and Ive always paid an APR rate. I asked her what my interest rate was, she said my apr rate is my interest rate. I stated an APR and Interest are different.
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
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 Account Number : XXXX Account Name : XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : DPT EDXXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number XXXX XXXX Account Name : XXXX XXXX  Account Number : XXXX 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: Credit reporting or other personal consumer reports

I am writing to formally request a detailed procedure of investigation from each of the major credit reporting agenciesXXXX, Experian, and XXXXregarding their handling of my disputes concerning several inaccuracies on my credit report, as mandated by 15 U.S. Code 1681d of the Fair Credit Reporting Act ( FCRA ).
Product: Mortgage

I was contacted by Wells Fargo regarding my loan which is less than one year old claiming they made a mistake on the taxes on my loan. Then I was told it was a property tax increase. I had opened a fixed loan and my payment was to remain at XXXX for 30 years. They claimed it was an escrow shortage now i am being asked to pay well over XXXX dollars. I am on a fixed income and this is not what I expected with a 30 year fixed FHA. 
Do I have the right to stick with the original contract.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are 3 inquiries that were done in the year XX/XX/2016 these 3 inquiries were to drop off my report. To date they are still reporting. I tried getting online to dispute this information and have it removed being its been 2 years but was not able to get online with XXXX  to do so. I always have a problem viewing my credit report with them
Product: Credit reporting or other personal consumer reports

I have sent multiple dispute letters to XXXX, Equifax, and XXXX to remove incorrect information on the dates ( XX/XX/year> and XX/XX/year> ). I havent received any information regarding these disputes. I have asked for them in writing and i have not received any information at all.
Product: Credit reporting or other personal consumer reports

XX/XX/year> Inquiry on XXXX credit report from Capital XXXX that I did not authorize or seek credit from this bank XX/XX/year> Inquiry on XXXX XXXX credit report from capital XXXX that I did not authorize or seek credit from this bank XX/XX/year> Inquiry on XXXX credit report from XXXX  XXXX that I did not authorize or seek credit from this bank XX/XX/year> Inquiry on XXXX credit report from  XXXX  XXXX XXXX that I did not authorize or seek credit from this bank XX/XX/year> Inquiry on XXXX XXXX credit report from XXXXXXXX XXXX XXXX that I did not authorize or seek credit from this bank XX/XX/year> Inquiry on XXXX credit report from DIGITAL FEDERAL CREDIT UN/CUDL that I did not authorize or seek credit from this bank XX/XX/year> Inquiry on XXXX credit report from XXXX XXXX XXXX XXXX that I did not authorize or seek credit from this bank XX/XX/year> Inquiry on Trans Union credit report XXXX XXXX XXXX  XXXX that I did not authorize or seek credit from this bank XX/XX/year> Inquiry on XXXX credit report from XXXX that I did not authorize or seek credit from this bank
Product: Credit reporting or other personal consumer reports

Confirmations number was provided for completing form for CBNA and was responded with a hard pull to XXXX XXXX for approval decision made through customer representative. Which no inquiry of credit report should be an hard pull without consent.
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that these items were erroneous. The credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and deleted for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Upon reviewing my consumer report I noticed ALOT of inquiries that I did not authorize nor give anyone permission to pull my credit! I do not approve of these inquiries that's listed. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/year> Please note that you have 30 days to complete your investigation, as per the FAIR CREDIT REPORTING ACT section 623 ( a ) ( 3 ), and I am keeping a CAREFUL record of your actions. Failure to respond satisfactorily within 30 days of RECEIPT of this CERTIFIED letter will result in a small claims action against your company. I will be seeking {$5000.00} in damages for : 1. ) Defamation 2. ) Negligent Enablement Of Identity Fraud 3. ) Violation Of The Fair Credit Reporting Act You will be REQUIRED to appear in a court venue local to me.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -51002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of debt bondage and would like for all listed accounts to be blocked and deleted company information XXXX. Please delete the following accounts. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX XXXX XXXXXXXX Account Number : XXXX INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( XXXX ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report CAPITAL XXXX XXXX
Product: Debt or credit management

We were told by our loan agent, XXXX XXXX ( loan depot ) on approximately XX/XX/XXXX that our loan was approved and when I told her that we were not able to pay our mortgage without the loan. She assured me not to worry about it and that we would receive the monies from the refinance before our mortgage would be late on the XXXX of XXXX. Days later, we were told we needed documents that were unreasonable and impossible to provide. Now our mortgage is overdue and they are cancelling the loan. We are angry and frustrated and don't know where to turn at this time. Please help!
Product: Credit reporting or other personal consumer reports

My account with this XXXX XXXXXXXX is being reported late and i was never late! I have had exceptional payment history with this company 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.

This company 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: Checking or savings account

Hello this is XXXX XXXX from XXXX XXXX Im having problems receiving my check for the complaint I made last month. The reason is my address is ( XXXX XXXX XXXX ) XXXXXXXX XXXX XXXXXXXX. But I mistakenly wrote XXXX XXXX XXXX XXXXXXXX XXXX unfortunately the address was incorrect that was because I was in a rush to make a complaint. Please help me find a solution to this and REISSUE new CHECK to ( XXXX XXXX XXXX XXXX KY XXXX ). I will really appreciate this its my
Product: Debt collection

This is a Fraudulent Debt Account, XXXX Account # XXXX, with XXXX Phone Numbers on XXXX Phone. This Fraudulent Debt Account, XXXX Account # XXXX, Is Eight Years Old. First Delinquent Date Is XXXX XXXX, XXXX Fraudulent Debt Account XXXX Account # XXXX, Has Been Deleted From XXXX, XXXX, XXXX, As Fraudulent.