23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

Without notice my Citi XXXX  XXXX XXXX  credit card account was closed on XX/XX/2021. When I called to ask why I was told that I would receive a letter explaining the reason. I received a letter on XX/XX/XXXX with no explanation, just the requirement to send a letter via snail mail to get a reason in writing. I can find no reason why my account was closed. 

Additionally, their closing my account had a very undesirable impact on my credit score for no obvious reason.
Product: Debt collection

I was notified that the company/sole owner that I am XXXX to ( I am an XXXX ) was contacted by the debt collection law firm Messerli & Kramer asking questions about me and although told I was not a employee but rather XXXX was asked to verify my name and my social security number. The owner did not give out this information however the collection law firm proceeded to state my name and social security number as well as other personal information to the owner ( my XXXX XXXX ) considered third party and asked if it was correct. This is illegal, an invasion of confidential information and a privacy issue.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding zelles handling of disputes. Despite using zelle multiple times they failed to investigate my claims.
Product: Credit card

In XXXX, I filed a credit card chargeback to BoA against my stay at a certain hotel back in XXXX, and my claim was denied. I called BoA on XX/XX/XXXX to clarify the situation. The fact is that the hotel may have been illegally evading taxes, and their practice would be refusing to release the folio, which outlines the costs I have incurred of my entire hotel stay. I had to file a chargeback, because the hotel had charged me what I felt was an unreasonably high amount, and I had no information regarding my costs in an itemized statement. In my phone call, I explained to BoA that the document I received was something that I had not seen before. It was mailed to me in the letter saying my claim was denied. I told the representative that I disagreed with some of the charges, to which he said he could do nothing for me. I also told the representative that the document had a date of XX/XX/XXXX, which meant that it was fabricated after my hotel stay. I suggested to him that isn't it fraud to make unauthorized charges? That was how I felt because I didn't agree to the charges. I also suggested how fraudsters can take advantage by making arbitrary fees that I didn't agree with. The representative would not help me because he wanted proof that the charges were invalid. This alarmed, stunned, and made me furious. The burden of proof should lie with the merchant, because I am the one making the claim. The representative refused to help me. Although I can not determine definitively whether he was lazy or incompetent, I am making this complaint because I did not like the way I was treated by BoA.
Product: Credit reporting or other personal consumer reports

My account with those creditos 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 those account 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.

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 card

My boyfriend and I purchased a sofa from XXXX and we have a year to pay it off interest free. Before we made the purchase I asked if I would be able to set up automatic monthly payments and was told I could. I just got the bill ( which is through TD Bank ) and got online to set up the monthly payments and their system is designed to only allow me to make monthly payments in the amount of the minimum payment due - which will not have us pay off the sofa in time and would then have us pay interest in an amount almost equal to the cost of the sofa itself. In addition, the loan is set up as a credit card so there are late fees if you do n't pay monthly. I called customer service, assuming there was a technical glitch that would n't allow me to enter a larger amount, and was told by the associate that this is how the system is designed. She said I can set up recurring payments for the minimum amount and then call each month if I want to pay more than that. They promise an interest free loan and then are putting significant barriers in place to cost the consumer extra money. These policies are predatory and need to be changed.
Product: Credit reporting or other personal consumer reports

I am writing to address serious concerns regarding the inaccurate reporting of my financial transactions and experiences to consumer reporting agencies, as well as the violations of the Fair Credit Reporting Act ( FCRA ), specifically outlined in 15 U.S. Code 1681a 2 ( A ) ( i ) and 1681s2. 

Upon reviewing my Experian, XXXX, and XXXX consumer reports, I discovered that XXXX has reported a some late payments. However, this reporting is in clear violation of the FCRA. According to XXXX5 U.S. Code 1681a 2 ( A ) ( i ), consumer reports do not include information solely pertaining to transactions or experiences between the consumer ( myself ) and the entity making the report ( XXXX XXXX ). 

The law explicitly states that transactions or experiences between the consumer and the reporting entity are not to be included in consumer reports. Therefore, the reporting of a late payment directly contradicts this provision of the FCRA. As such, you have violated the FCRA 15 U.S. Code 1681a 2 ( A ) ( i ) and 1681s2 by inaccurately reporting this transaction on my consumer report.

Furthermore, under 15 U.S. Code 1681s2, furnishers of information to consumer reporting agencies have a duty to provide accurate information. It is prohibited to furnish information if the person knows or has reasonable cause to believe that the information is inaccurate. By reporting a late payment when no such transaction occurred, you have knowingly provided inaccurate information to consumer reporting agencies. 

I am formally putting XXXX XXXX on notice that the continued reporting of this inaccurate information constitutes a direct violation of the FCRA and your responsibilities as a furnisher of information. You have caused significant harm to me and my family through your negligent and inaccurate reporting. 

Therefore, I demand that you immediately delete the erroneous late payment from my consumer reports within after receiving this notice. Failure to comply with this demand will result in legal action being taken against your company. I will seek actual damages for the harm caused by your failure to comply with the law, including but not limited to defamation of character, negligent non-compliance, civil liability, mental anguish, and violations of the Fair Credit Reporting Act ( 15 U.S. Code 1681 ) .Furthermore, if the late payment is not deleted within the stipulated timeframe, I will pursue arbitration to resolve this dispute. I reserve the right to pursue all available legal remedies to address this matter. 

Do not send me any correspondences regarding this matter unless it is to confirm that you have complied with the applicable law and deleted the inaccurate late payment from my consumer reports. 

I expect prompt and satisfactory resolution to this matter.
Product: Credit card or prepaid card

Hello there was a fraudulent opened chime credit card in my name. The creditor refused to remove this fraudulent account in my name. So therefore im making a complaint so that the fraudulent opened account can be removed from my credit file.
Product: Credit reporting or other personal consumer reports

I've tried multiple times to resolve the fraudulent, inaccurate, and misleading info showing up on my credit report, but the issue is still hanging around. It's been super stressful and XXXX-inducing, especially since I never gave permission for this info to be linked to meI 'm a victim of identity theft, after all.
Product: Bank account or service

Bank of America has submitted a false and inaccurate report to the consumer credit agencies and has caused me great financial and personal harm.
Product: Debt collection

I tried to set up a arrangement to pay for collections with midland and they didn't want to work with me on what I could afford just kept saying your accounts will be sent to court this was on the XX/XX/2023 all of my other collection places worked with me
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information that is being reported on my credit report. Specifically, the following items are incorrect and are negatively impacting my credit score : Account Name : XXXX XXXX XXXX Account Number : XXXX Balance : {$750.00} Reason : I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. 

These items are either reported incorrectly or have already been resolved, so I ask for a thorough investigation and correction. I've reached out to the credit reporting agency and the data furnisher, but the issue persists. Ive attached supporting documents and screenshots of my credit report to illustrate the inaccuracies and support my claim. Please address this matter promptly and update my credit report to reflect accurate information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Chase XXXX XXXX XXXX De XXXX reference # on the letter is XXXX I received a letter about a delinquency or other derogatory relationship with chase bank . I do not think I have ever had a bad relationship with this bank. I do not think I have ever had an account with this bank.

My husband recently passed away. He had an account with this bank which I paid back. Over several conversation I had with this bank I had difficulty paying back the amount owed. The amount of money was not large. The problem must be about something else with the transaction.

I would like to know why this complaint has been held against me. I do not want this to affect my credit score. As a recent widow I feel that I should have a better explanation. 
Thank You XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

It has come to my attention that although I have written several letters asking for validation of debt, audit trails I am not getting any response because of the automated system you have in place which in fact is a violation as well.. 
\n When it comes to uploading my documents on your portal, it is difficult for the consumer to upload the pending documents needed to expedite my dispute claim. That is a violation of my consumer rights. I have reported this concern on several occasions. 
XXXX XXXX Today, I am demanding these accounts to be removed immediately off my credit as it is in violation to the following federal constitutional laws : \n \n 15 USC 1681 ( a ) ( e ) 15 USC 1691 15 USC 1601 15 USC 1692 I am afraid these XXXX credit reporting agencies have not been exercising the grave responsibilities that were given to them with fairness, impartiality, and a respect for the consumers privacy. 
I did not give consent to these accounts. 
XXXX XXXX permissible purpose. 
XXXX XXXX have remained humbled despite the stress, abuse, and harm XXXX XXXX credit reporting agencies have done to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Inaccurate reporting stated that the account is OPEN but listed as a Collection/Charge-Off. Reporting that the account was opened on XX/XX/2018 and that is false. I haven't opened an account with this company ever. Also stated on the report that there is a monthly payment due which is also inaccurate for a collection/charge off account.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I am submitting a request to block information on my consumer report as I am a victim of identity theft. This was not a dispute, however the CRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ( a ) Block A consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifing information was affected by the XXXX XXXX data breach as well as XXXX 's XXXX date breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE AND DO NOT PLACE A FRAUD ALERT UNLESS I SAY SO. The accounts that must be removed are : XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

I keep getting free credit repair offers and none of then are free threw XXXX  or XXXX
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to formally dispute unauthorized and fraudulent information appearing on my credit report and to request an immediate investigation under the Fair Credit Reporting Act ( FCRA ). As a victim of identity theft and the XXXX breach, my personal information has been compromised, including XXXX critical findings tied to my identity within the breach. This account and/or inquiries were made without my knowledge or consent. Under the FCRA ( 605B ), I request these items be blocked from my credit report. Additionally, under 15 U.S. Code 1681c-1 ( protection of personally identifiable information ) and 15 U.S. Code 1681e ( b ) ( accuracy of information in consumer reports ), you are required to ensure the accuracy and privacy of the information you maintain.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX I made a complaint with CFPB on XX/XX/XXXX and this information is still on my report. The XXXX account has many inaccuracies but comes back verified and updated. It is missing payment history as well as the ND shows in one of the data files. I've been disputing this account since XXXX, I provided what the account looked like on my credit report in XXXX and the account has been updated and verified and is completely different. It shows that the source for verification is unreliable. I have asked Experian to provide me with the source of where they are verifying these accounts and they failed to do so. 

The account was allegedly open in XXXX and there are no data fields for XXXX represented on the updated and verified report.
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. 
The accounts below have violated my rights. 
15 U.S.C 1681 section 602A. 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 ) ( a ) 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. 
I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA 623. If credit bureau have no proof inmediately of any, I would like it removed inmediately from my credit report. Please remove any information the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ) credit bureau must complete this reinvestigation within 30 days of receipt of this letter. 

The following inquiries need to be removed inmediately. 
XXXX XXXX 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 card or prepaid card

Discover reduce my credit limit causing purchases to go over the limit and purchases to be declined affecting payment obligations without notice. My credit limit was reduced from {$1800.00} to {$1200.00} without any notice or consent. I contacted the credit department and they acknowledged that no notice may have not been give which is completely unacceptable. The credit card was not overdue and is was not over the limit until they changed the limit.
Product: Debt collection

On XX/XX/2022 roughly XXXX XXXX XXXX XXXX stole my vehicle from in front of my home. After contacting BRIDGECREST I was informed they had contracted with XXXX XXXX XXXX and provided them with my personal and private information to enable XXXX XXXX XXXX to carry out and perform violations of transporting stolen property. 

BRIDGECREST or XXXX XXXX XXXX are not interested parties in my contract.
Product: Credit card or prepaid card

Credit card account with Bank of America Account number XXXX XXXX XXXX XXXX was closed in XX/XX/2021, with a credit balance of - {$5000.00} BofA stated at closure that the overpayment funds would be sent to me within a week. I did not receive them. I called again and was told that for some reason it was not processed, but would be now and would be paid by transfer to my checking account for which I provided routing and account numbers. I made a third request. 

STILL NO REFUND. 

One month of trying to recover funds for overpayment of account, which is closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Equifax regarding lead bank several time through the dispute process to let them know that. I have paid off account and do not have a XXXX and the credit limit has been increase to XXXX month after month XXXX XXXX  keeps telling me we report monthly which I see the update date changes but. Equifax is reporting from XXXX to present status unknown with a update of XX/XX/2021 The same thing is happening with XXXX XXXX  my balance is XXXX and they are reporting XXXX unknown update since XXXX.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my ( Experian, XXXX, and XXXX ) consumer report, and I noticed that it is reporting my experience with this company.
Product: Credit reporting or other personal consumer reports

Hello, I want these inquiries deleted because I did not give authorization for these companies to run my credit thats fraudulent.
Product: Checking or savings account

i wired money to a kraken acct that was my own acct. and within this app they lock your money amd delete your account. my bank wont help or authoities. it was {$280000.00}
Product: Debt collection

I am XXXX XXXX XXXX, and someone who knows XXXX XXXX or XXXX XXXX used my PII as a XXXX XXXX ( XXXX XXXX 's husband I suppose ) to rent an apartment at XXXX XXXX in XXXX, XXXX ( who turned the debt over to a NCC Business Services in XXXX, XXXX XXXX ). They claim I damaged an elevator to the tune of {$2000.00} and I have lived in my home at XXXX XXXX XXXX in XXXX, XXXX for the past 25 years and my marriage of the last 13 plus years is solid, so I have no idea how I became the victim of this identity fraud. I work for the XXXX for the past 13 years and was notified that PII for all government employees has been compromised and I have put a lock on my credit with a security alert. I have notified XXXX XXXX and NCC by email and in writing that this is not my debt and a fraudulent attempt to obtain monies from the wrong person.
Product: Debt collection

I called the collection agency on the report and they stated they didnt have this debt in my name. I wrote both the creditor and XXXX and XXXX asking them to remove it and they keep saying the debt is mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was granted back in the enitre year XXXX due to the Pandemic of COVID, forebearance & hardship from XXXX on my Mortgage and any and all late or missed payments are not to be reported to any of the 3 reporting credit bureau per the forbearance law that the president signed. Experian is the only Creditor that is still reporting and hurting my credit for the year XXXX. This epidemic started back in XXXX, XXXX, XX/XX/XXXX. I am requesting the late payments be removed from my credit report ... ..for the year XXXX. My office work of Employment closed and all workers were force to work from home. I called and wrote to XXXX about my mortgage, early in XXXX and was granted forebearance due to Covid from the beginning of XXXX and continued into XXXX of XX/XX/XXXX. My common law spouse also listed on the mortgage XXXX XXXXXXXX XXXX  of XXXX XXXX in the middle of the worst of the pandemic. XXXX XXXX was XXXX XXXX at XXXX XXXX in XXXX and worked in the COVID ICU WARD. This Hardship I wrote to XXXXXXXX XXXX was granted to extend to XX/XX/XXXX, in which the Mortgage was THEN paid off in full on XX/XX/XXXX,.