23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

My online payment to my HOA - XXXX XXXX HOA that was sent on XX/XX/17 was never received by them and the check was cashed with a stamp stating the 'United States Treasury XXXX has it for the amount of {$330.00}. 

I received a late payment fee from my HOA in XX/XX/XXXX so I called them to find out that they never received my check that they have been getting monthly for years! So I called Chase and they directed me to get the proof of funds which I sent to my XXXX. They are the ones that pointed out that the check shows United States Treasury on it which they do n't use. Also, looking at all my other checks to them, none of them show this stamp. 

So I filed a claim with my bank, JP Morgan Chase and they just came back stating that they were contacted by the Federal Reserve and said they wo n't deal with them and will only deal with the consumer, me and that I needed to call them to figure out what is going on. They gave me the number XXXX XXXX and ask for the Dispute Department for online payments. They gave me a bunch of transaction numbers and reference numbers. 

So I called that number and they stated that does n't make sense and that the only thing I can do is file a complaint against Chase and here I am.
Product: Checking or savings account

I use Huntington Bank for my debit card and on XX/XX/XXXX between the times XXXX and XXXXXXXX XXXX I deposited XXXX {$1.00} bills into the ATM located at XXXX XXXX XXXX XXXX, Indiana XXXX. After the ATM took my bills it showed a screen that said something similar to could not complete transaction. Please contact your bank. After that it gave me back my card but the {$26.00} did not get deposited into my checking account. 
I called Huntington customer service immediately after on XX/XX/XXXX and they submitted a claim with the number XXXX XXXX XXXX XXXX. I called XX/XX/XXXX to check on it and they said it was cancelled due to not enough info. They submitted another claim with the number XXXX XXXX XXXX XXXX that same day. I called on XX/XX/XXXX to check on that and they said it was cancelled due to not enough info. 
Still do not have my {$26.00} that the ATM took.
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXXXXXX Balance {$0.00} XXXX XXXX XXXX {$0.00} XXXX XXXXXXXX Balance {$920.00} XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX
Product: Credit card or prepaid card

I was notified by Bank of America on XX/XX/XXXX that a credit card was approved in my name and would be sent out an old address of mine. I called and had the account closed and submitted a fraud claim. I was told they would send me a copy of the application that was filled out along with a letter of my claim. After several weeks of trying to obtain the information they stated I need to file for Subpoena to obtain the application that was filled out. Is this common practice or do I have rights in this matter? I would like to know what personal information was obtain for them to issue a credit card.
Product: Vehicle loan or lease

Im not sure as to what actually happened, a car was repossessed and my name was put down involuntarily for a co-sign that I didnt know about. The other one I am aware of but they sold me a lemon, the car broke down not too long after I got it, thats why they repossessed the car. I tried to get a refinance or a refund but the company was not willing.
Product: Credit reporting

In XXXX XXXX XXXX Equifax after investigation remove collection account from my credit from XXXX XXXX XXXX Account # XXXX for {$83.00} conformation # XXXX. In XXXX collection account come up again in my credit. I submit complain to CFPB case # XXXX. In XXXX XXXX XXXX I receve responce from CFPB stated collction was removed. In XXXX XXXX I check my credit and Equifax and XXXX show collection for {$83.00} from XXXX. I need you help to permanantly remove this collection from my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Transunion, I checked my personal credit report, which I acquired from your company on XX/XX/2018 and I noticed that there was a Fraud/Security Alert placed without my authorization. Regardless of the reason for the alert, please immediately remove the fraud/security alert from my credit report/profile. In addition to this, I am giving you advance notice to NEVER place such alert ( s ) on my credit report/profile without my EXPRESS CONSENT. I have attached a copy of my Social Security Card and a copy of my California Drivers License for verification. Thank you in advance. 
Very Respectfully, XXXX XXXX ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent a letter regarding innacurate and unknown things on my credit report and have still not received a response. I believe I am being ignored of my disputes. Section 611 ( a ) states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 30 so the accounts should be removed. I request that these accounts be removed immediately as I have been stressed out over this situation and will file for litigation if the items remain on my report.
Product: Credit reporting or other personal consumer reports

THIS OFFICIAL CONSUMER COMPLAINT is my compliance-based contesting of the accusers ' reporting privilege related to any negativity accused against me. In this, accept my challenging of you and/or the reporter for proof of an adequately firmly established reporting process, including the mandatorily exercised Metro 2 format. CLEARLY INACCURACIES CANT BE certifiably COMPLIANT! 

I ask, DID OR DID NOT THE ACCUSING REPORTER actually SATISFY THEIR VERY CONDITIONAL PRIVILEGE TO EVEN REPORT? As you are aware, and as I too am aware as a litigious, currently injured consumer, THERE IS NO " RIGHT TO REPORT ''. 

In addition to my opposition of the data reporter 's claim ( XXXX ) ' REPORTABILITY, understand that this is also to challenge that same reporter and/or any accepting repository ( yourself included ) to demonstrate or make demonstrated PROOF that a confirmable ( certifiable ) compliant reporting process was used. 

My state and applicable federal reporting regulations require that no claim of negativity is announced unsubstantiated, unfairly, untruthfully, unproven, spuriously, or otherwise potentially questionable. With this, I demand removal from reporting or substantial modification of the still yet unproven claim ( s ), as currently listed, to a status undoubtable in its fair and compliant reporting.

Do so in particular for at least the following listed ostensible claim ( s ) which appear to have potential deficiencies of reporting.
Product: Credit reporting

I am a victim of identity theft and there is an unauthorized and fraudulent account listed on my Trans Union credit report that do not belong to me. The following account is fraudulent : XXXX XXXX Bank, XXXX/XXXX/12
Product: Credit reporting or other personal consumer reports

Request for Removal of Inaccurate Late Payments from Credit Report To Whom It May Concern, I am writing to dispute and request the immediate removal of inaccurate late payments listed on my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 USC 1666 ( b ), and the Fair Debt Collections Practices Act ( FDCPA ), I am entitled to have accurate information reported on my credit file. The late payments in question are inaccurately reported on my credit file and do not reflect my payment history accurately. I assert that I have never been late on any payments, as I have always been enrolled in autopay for all my accounts. The fact that a bill may have been sent to my address does not constitute proof of a late payment. The reporting of these inaccurate late payments violates my rights under the FCRA, as they do not reflect my true creditworthiness. Additionally, the reporting of false late payments may constitute a violation of the FDCPA, as it misrepresents the status\ of my accounts : late payments XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX reported by XXXX  Number XXXX Furthermore, the Truth in Lending Act ( TILA ) requires accurate reporting of credit information to ensure consumers are treated fairly and have access to credit based on accurate data. I demand that all late payments currently reported on my credit file be updated to reflect 100 % on-time payments, as per my true payment history. Failure to do so constitutes a violation of my rights under the FCRA and other consumer protection laws. I request that you investigate this matter promptly and provide me with written documentation of the removal of these inaccurate late payments from my credit report within 30 days.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXXTo Whom It May Concern, I am in total disagreement with your investigation response. The incorrect items listed below still appear on my credit report, even after your investigation. I would like these items immediately re-investigated and for good cause. These inaccuracies are highly injurious to my credit rating. 

Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, I demand that you provide actual proof the information was verified, not a computer generated confirmation. 
Please provide : 1. The names and business addresses of each individual with whom you verified the information with above, so that I may follow up.

2. The date you contacted the individual funishers of information.

3. The method of communication you used to verify the information.

I would also like to know if the furnisher provided you with my SSN, address or DOB.

Please forward an updated credit report to me after you have completed your investigation and corrections.

Your cooperation and prompt attention are required by law
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and trans union shows incorrect report and trying to reducing my scores. 
I tried many times to Dispute them but I couldnt.
Product: Payday loan, title loan, or personal loan

Speedy Cash stopped the payday loans and changed to the installment loans which are more expensive. They told me that Mississippi doesnt allow payment plans. If your payment is due on a certain day they could move it up by 4 days but it doesnt help if that 4th day is not a payday. I have paid so many overdraft and bank fees until I feel ashame and stupid. I needed the money but once you get it its hard to get rid of it. I dont understand whats hard about reasonable payment arrangements. Your 4 day extension is not realistic to customers.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint regarding inaccurate late payments that are reported on my credit file maintained by Experian. I believe these late payments are erroneous and do not accurately reflect my payment history. 
Late payment : account : XXXX, XXXX : XX/XX/2023 Nature of the Complaint : 1. 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.

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

3. Potential Violation of Fair Debt Collections Practices Act ( FDCPA ) : The reporting of false late payments may also constitute a violation of the FDCPA, which protects consumers from misrepresentation regarding their accounts. 
4. Truth in Lending Act ( TILA ) : I assert that the reporting practices violate the TILA, which mandates accurate reporting of credit information.

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

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

I am writing again in regards to the inaccurate and unknown things on my credit report. It has been over 35 days and I have not received a response yet. I was never late on this account. There are multiple errors shown in my report. Please check the last payment, the account number, etc. This is a good standing account. Please verify that all information is 100 percent true, accurate, correct, and is not untimely, unverifiable, incomplete, or inaccurate. Please correct and update this account and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. XXXX XXXX XXXX  Date Opened : XX/XX/2018 Balance : {$18000.00}.
Product: Checking or savings account

I had previously submitted a complaint regarding my citibank checking # XXXX account about a year ago. They had closed my account which they told me was because I had business funds deposited into a personal account. But it was later discovered that they reported the closure as fraud and now i am unable to open another bank account else where. This was shocking and outrageous to me as I had submitted numerous documents proving that the business and the funds deposited from sba did in fact belong to me. Those documents were submitted with my last complaint. The reason for this new complaint is because after about 8 months of waiting for the balance on my account at the time of citibank 's closure to be refunded to me, I still had not received the monies or any communication from citibsnk, I reached out to them again requesting information on the whereabouts of the {$4300.00} balance in my closed checking account. They informed me that they needed me to provide my schedule c from a previous year, which I would find and email to them. When i emailed again asking the status the balance to due me since i provided them with the information they had requested from me to be able to release the funds to me, they informed me that they will not accept my schedule c, which is in fact the document they requested to be able to refund my balance to me. They gave me no explanation as to why they would not accept the document that they had requested and also informed me that they would no longer respond to my inquiries regarding this matter. I have no idea how a financial institution can legally withhold the balance of an account that THEY closed without ever even informing me that they were going to close, or giving me any opportunity to withdrawal my money before closure.
Product: Credit card

Payment of {$95.00} was made on time on XX/XX/year> ( Closing date ). A report went out to the credit bureaus before the payment was applied on XX/XX/year> ( Causing the ending balance to go over the credit limit ). Ending balance reported to the credit bureaus was {$3100.00} ( above credit limit of {$3100.00} ). The correct ending balance after on time payment should be {$3000.00} ( Below credit limit ). Attached to this letter please find a copy of my Citi Credit Card XX/XX/XXXX statement. Notice on page XXXX where it says : Crediting payments other than by mail. Cut off time for online bill payments, phone payments, and XXXX mail payments will be midnight eastern time. My records show I made my {$95.00} payment at XXXX on XX/XX/year> ( well before the cut off time ) and the payment was still applied on the next billing cycle. This late posting made my account to go over my credit limit. Citi reported to all credit bureaus that I was over the credit limit {$3100.00}. That information is inaccurate. Not only are they doing false advertisement on my monthly statement, but they are also reporting inaccurate information to the credit bureaus. This inaccurate reporting violates the Fair Credit Reporting Act. The correct ending balance after payment and interests for the month should be {$3000.00}. Please help. Thank you.
Product: Credit reporting

I 'm paying Equifax for XXXX monitoring. They alerted me XXXX XXXX XXXX pulled my credit. Equifax gives the same response every time I call to dispute an inquiry. They tell me I have to contact the company who pulled the report. I spoke to XXXX XXXX XXXX because they pulled my credit report in XX/XX/XXXX and in XX/XX/XXXX for a company out of XXXX, FL called XXXX XXXX XXXX. I filed a complaint against XXXX XXXX XXXX and they contacted XXXX XXXX XXXX. XXXX XXXX XXXX told me they do n't pull credit reports for bankruptcies. XXXX XXXX XXXX is set up with them to pull credit reports, but not for the purpose of a bankruptcy. XXXX XXXX XXXX said they would contact the credit bureaus to have this corrected. Now I 'm showing another hard pull from XXXX XXXX XXXX from XX/XX/XXXX. It is obvious this is a clerical or data entry error because it matches the date the pull was done on XX/XX/XXXX. Equifax will not help me. XXXX XXXX XXXX is telling me I have to contact XXXX XXXX XXXX and my relationship with them is severed. XXXX XXXX from XXXX XXXX XXXX in XXXX, FL told XXXX XXXX XXXX I tried to refinance my mortgage and it was not an option for me so I had to file bankruptcy. I have never had a mortgage and this was their way of keeping their relationship with XXXX XXXX XXXX in good standing. This was fraud and is unethical. I signed a retainer in XX/XX/XXXX for my attorney XXXX XXXX XXXX who 's office is in the same space as XXXX XXXX XXXX. My bankruptcy was filed in XX/XX/XXXX and discharged in XX/XX/XXXX. Equifax really needs to remove this inquiry. It lowered my score by XXXX points. XXXX XXXX said they do not have a record of pulling the report on XX/XX/XXXX, but XXXX XXXX XXXX is the company which has to get it removed. How can I get them to remove it when they may have put it on there in retaliation of me filing the complaint with the XXXX of Pennsylvania. I have sent a complaint against XXXX XXXX XXXX with the Florida Attorney General. I will be filing a complaint against them with the XXXX of South Florida and I 'm filing a complaint with the Florida Bar Association against my attorney. She had no reason to delay the filing of my bankruptcy for an entire year. 


Alerts XXXX XXXX XXXX XXXX monthCurrent XX/XX/XXXXEquifax - InquiryArchive this alert |Hide alert detailsAn inquiry was made by XXXX XXXX XXXX XXXX for your credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

I purchased a vehicle through California auto finance 3 years ago. I was late on 1 payment, since then they have stopped reporting my credit score to XXXX. My auto loan should be at about 6200+ int. XXXX told me that they were made aware that XXXX  closed my auto loan. Which is not true because I am still in possession of the vehicle. I have submitted a complaint once before with XXXX  and nothing has been updated or changed on my credit. This is hurting my credit score because the auto loan is stating closed when its indeed open
Product: Money transfer, virtual currency, or money service

Cash app Complaint number : XXXX ( Screen record of a XXXX $ transfer attached to show exactly what XXXX  app did and the notifications given and not given for verification of complaint below. ) XX/XX/XXXX I set up a transfer of XXXX from my XXXXp account to my XXXX XXXX Bank Account XXXX My XXXX XXXX bank account & routing number were imputed earlier for transfer. Notice window popped up and said it would take a few days to complete transfer for no fee. Next window popped up and said for a XXXX $ fee they could instantly complete transfer to my XXXX Bank account for XXXX $ fee. I clicked the button to pay the fee and have funds transferred instantly and next window popped up and said " Your transfer to your Regions Account is XXXX. ''?????? Regions? I had a regions debit card on file with cashapp but I authorized transfer to XXXX XXXX Bank XXXX I called cash app twice and requested a refund of my XXXX $ for the transfer fee and let them know they did an unauthorized transfer since I did not agree to transfer to regions account. Twice I was put on hold and then told they would not refund the XXXX XXXX They said they sent it to my regions account since that was the debit card they had on file. Once again I told them I didn't authorize money being sent to that account, told them their app said XXXX $ complete transfer to XXXX Bank and they had my account and routing info on file. They informed me that they sent it to Regions account since the didn't have XXXX XXXX debit card on file and they had the Regions debit card info. The Cash app did not prompt me to add a Stride / chime debt card to complete transfer. They just did it without permission, told me oh well their was nothing they can do and would not refund my XXXX $ transfer fee and XXXX guy even just hung up on me. I would have added my Stride /chime card if prompted happily. However for a XXXX to transfer money to a account I didn't agree to " cuz that the card we had on file. '' Is not ok. Let alone charge me for the transfer and then tell me I'm out of luck is arrogant, dismissive and it seems pretty illegal. If it's not illegal, who do I call because it's a issue. I trusted them with my funds. 

XXXX XXXX  Complaint number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have XXXX inquiries on my account I contacted the merchant and was told to dispute it .. someone has been using my information and I wasnt aware all I applied for a card and was told I had inquiries and when I checked I noticed none of them were me.. please help
Product: Credit reporting

A company by the Name of XXXX XXXX XXXX has violated the Fair Debt Collection Practices Act ( FDCPA ) and has parked a debt that has been recalled by XXXX XXXX just last month. I never received a letter or a phone call from this company that has parked this account and placed it on my credit report. I would have disputed it directly with experian but for whatever reason i ca n't seem to dispute this online. XXXX XXXX XXXX never gave me my right as a consumer to validate this debt, they never sent me a letter, or a phone call, if they would have, i would have informed them that this debt is paid and has been recalled by XXXX last month. I want experian to act to remove this item immediately and prevent grant and webber from tarnishing my credit. I have attached my credit report and highlighted the item in yello.