23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I have a HELOC with America First Credit Union. I typically go on line to make payments. during the first XXXX months of XXXX I made a payment higher than the minimum amount due. I did not make a payment in XXXX because when I wen online the account reflected I did not make a payment until XXXX of XXXX. As it was the holidays and was traveling, I did not make a payment in XXXX. My logic was that since i had made a larger payment for the first 11 months of the year, I had paid ahead on interest which is why no payment was due in XXXX. Same thing for the XX/XX/XXXX payment, the online account reflected no payment was due until XXXX and i again took advantage of that. I made payments in XXXX and in XXXX of XXXX again for an amount over the minimum amount due. XXXX is when the issue showed up, I noticed on my statement online that after my XXXX, XXXX, and XXXX payments that the entire payment was applied to interest only. I called the XXXX and they explained that I had not paid ahead on the interest charge in the first XXXX  months of XXXX, the interest was till accruing XXXX months I did not make payments. I asked them why they did not require a payment from me in XXXX and XXXX and they sais they do it as a courtesy. I feel the online account they show us is deceiving. When you dont make a payment, the balance does not go up or down it remains the same from the last month a payment was made. What they DO NOT show you is that the daily interest due, is accruing and we dont know how much interest has accrued. When I made the payment after the month of not making a payment, the entire next payment was applied to the accrued interest because as they said " interest get paid first ''. So far I have made three payments this year and principal has not gone down. they should have a separate column showing accrued interest, but they dont want to do that because they dont want customers to know what is happening. If I had known any of this, I never would have skipped the payment that they offered me the ability to skip. At this rate, I will pay significantly more in interest in XXXX than the amount of interest that would be due with the stated interest rate on the loan. This practice if allowing customers to skip payments, and NOT showing us the accrued interest when these payments are skipped completely deceitful. They should show us what happened if we skip the payment they offer us ti skip, and in addition, I do not think they are being honest with their Truth in Lending practices because my interest rate will end up being significantly higher than what is stated on my account statement.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was shocked when I reviewed my credit report and found late payment on XX/XX/XXXX XX/XX/XXXX. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Product: Credit reporting or other personal consumer reports

This morning I was stunned to see incorrect accounts show up on my credit report. I have absolutely no idea how this couldve happened. Ive been checking my report as usual, and suddenly, these errors appeared out of thin air. I refreshed my browser, hoping it was a glitch, but nothing changed. I urgently request that my submitted documents be checked carefully so I can finally have peace of mind and never worry about this again.
Product: Debt collection

COVINGTON CREDIT Last reported XX/XX/2021 {$0.00} This is not my account, please remove from credit profile.
Product: Credit card or prepaid card

I had a charge for almost XXXX bucks on my last XXXX dollars in my American Express Serve account. I called them from the gas station, luckily by my house, to inquire where the money went. We both, them and me, researched the charge and I told them I had no idea where that came from. I was told it would be returned and hold for next person. 

When I held, they hung up. When I called back, on XXXX at the gas station. Alone. No cash. They told me I was going to have to do a dispute. I said I agreed. They said ok. 

Now, they never did either. Then, when my actual deposit hit for XXXX, they locked my card and I had to call 10 times to get them to unlock it. I waited 5 hours. 

I don't like how they treat their customers as if they are doing us a favor. Any card that takes advantage of the poor with nonsensical fees that they don't even consider for mid to upper class, MOSTLY XXXX, people, needs to forever be bankrupt. 

I pray C19 makes you all go bankrupt. 

I closed the account and am waiting on my check. 

It doesn't include that XXXX. 

I want my XXXX too and an apology.
Product: Debt collection

LVNV Funding is attempting to collect three credit card debts that have been negotiated and settled with the credit card companies DIRECTLY. LVNV Funding is FRAUDULENTLY reporting accounts that it has no legal right to report nor attempt to collect.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed an account reporting on my credit report with Experian Credit Bureau as well as the XXXX this has been ongoing for months. 
I havent received any results.
Product: Checking or savings account

In XXXX, Citi advertised XXXX complimentary annual XXXX memberships as a benefit of the XXXX relationship tier. I requested the XXXX memberships in XXXX, yet only received XXXX. Upon follow up with Citi in XXXX, they informed me that the XXXX benefits had changed and they could only provide me with XXXX membership. They also could not confirm which email address the other membership was sent to in XXXX. The terms of the offer at the time are still available here : https : XXXX : //citigold.citi.com/experiences/lifestyle.html At the same time, I was told that I could transfer in $ XXXX into a Citi Self Invest account to remain in the Citigold tier and receive a promotional {$1000.00} cash bonus. In following up on the XXXX membership issue, I was also told that I XXXX be ineligible for the cash bonus as well because the XXXX XXXX accounts do not qualify. I have written documentation from Citi that states that the Citi XXXX XXXX account would qualify under an exception they would add to my account. 

This is fraudulent advertising of the XXXX relationship tier and of their cash promotion to transfer in new-to-Citi funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be updated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

This company tried to force me to agree to pay $ XXXX. to avoid collections. I told them I could only afford $ XXXX. They would not accept this, so I told them I would send what I could afford. I also informed them that if they were n't willing to work with me, they would get even less if they sent me to collections. I then came into extra money, so ended up sending them {$120.00} over two months ( almost double what they demanded ). They still sent me to collection!!!!! They said it was because I did n't have a formal agreement - which I was n't willing to do because I did n't know that I could meet the required amount each month.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX and I tried to find out if my personal information was part of the Equifax data leak. I went to the Equifax website to find out if I had been part of the leak, and I never received an email or any notice that I was part of the data leak. I attempted to call their service number today because it turned out I may have been enrolled in identity fraud protection I neither want nor need. This phone call took place on XXXX XXXX, 2017 at about XXXX XXXX. and I spoke with their operator XXXX. XXXX informed me she was unable to help me and to call another customer service number. When I tried that number the line was disconnected. I 'm really sick and tired of not being able to access my credit report, and I 'm really tired of not knowing if this is the 13th time in my life I 'm going to have to deal with identity fraud. I wish I could sue, but I do n't even know if I 've waived that right by being accidentally enrolled in a service I do n't want. It 'd be nice if someone for once in my life would advocate for me. My XXXX lawmakers wo n't do it, my state lawmakers wo n't do it, so who will? I am not earning the same income I once was and I really, really need to know if my credit is affected by this. I have no savings and I really need to know.
Product: Credit reporting, credit repair services, or other personal consumer reports

Submitted a request for one of three free annual credit reports with Experian credit reporting, about a week after I saw an unauthorized transaction with expirian on my banking statements. I did not provide my information nor authorization for Experian to charge. This is a fraudulent charge placed by the company without my awareness. Experian should not be permitted to access accounts to post charges without permission that it has gained access to in the credit reporting process.
Product: Credit reporting or other personal consumer reports

I obtained a copy of my consumer report and notified these agencies multiple times, specifically on XX/XX/year> them most recent, about the items I disputed. Despite these notifications, the matter remains unresolved in a manner that is fair and equitable to me, the consumer, as required by the Fair Credit Reporting Act. I sent my notice to these agencies, which included a FTC Identity Theft Report, A FTC Affidavit and I also filed a complaint with the CFPB. Along with this letter, I have also included an Affidavit of Truth to further substantiate my claim.

I explained the violations your agency committed under the FCRA, while informing your agency of the fact that these items were reported without my expressed, written consent. This leads to way of identity theft, which leads to a violation of the civil liability section of the FCRA, as I informed you in the previous notices, which I have attached once more again for your record! 

This is a FINAL NOTICE to give your agency an opportunity to correct this situation or I will be forced to protect my credit rating and file a lawsuit against your agency. I have proven to your agency on many occasions that these items are a violation of the FCRA and should in fact be DELETED but your agency continues to violate me so I dont know what else to do besides suing your agency at this point. 

I have suffered emotional distress as a result of this matter and I demand this matter be resolved in a fair and equitable manner, which still hasnt been done
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit RepoXXXX XXXX.The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, and XXXX 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
Product: Debt collection

This debt was already paid and was being billed through XXXX XXXX, not Arizona XXXX XXXX. In fact, I paid for this bill twice, once with XXXX XXXX and a second time to Arizona XXXX XXXX.
Product: Credit reporting or other personal consumer reports

In accordance the Fair Credit Reporting Act. The List of accounts below are violating my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. Account 's : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Personal information on each accounts addresses and number on credit report are completely inaccurate. - dates open are incorrect. -addresses on this report are incorrect & inaccurate. - Information on report is not showing. 15 U.S.C 1681 section 602 A : states I have the right to privacy. 15 U.S.C 1681 section 604 A ( 2 ) : states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681 section c ( a ) ( 5 ) : states no consumer reporting agency may make any consumer reporting containing any of the following items of information or any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681-2 ( a ) ( 1 ) : states a person shall not furnish any information relating to a consumer to any reporting or third-party reporting agencies if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

Subject : Formal Complaint Regarding Inaccurate Charge-Off on Credit Report Dear Consumer Financial Protection Bureau XXXX XXXX am writing to file a formal complaint regarding an inaccurate and unfairly reported charge-off that appears on my credit report. I have already disputed this matter with the relevant credit bureaus but have not received a satisfactory resolution. Therefore, I am seeking your assistance in addressing this issue. 

Details of the Complaint : Creditor Name : XXXX XXXX XXXX Account Number : XXXX Date of Charge-Off : XXXX XXXX Credit Bureaus Involved : [ Equifax, XXXX ] Nature of the Complaint : 1. Inaccurate Reporting : The charge-off in question is inaccurately reported on my credit report. I have disputed this information with the credit bureaus under my rights as provided by the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i. Despite my dispute, the charge-off remains on my credit report without adequate validation or correction.

2. Failure to Verify : Under 15 U.S.C. 1681s-2 ( b ), the information furnisher ( creditor or debt collector ) is required to investigate and verify the accuracy of the information when it is disputed. I believe this verification has not been properly conducted, as the disputed charge-off has not been removed despite a lack of sufficient evidence.

3. Violation of Reporting Period : If this charge-off exceeds the seven-year reporting limit as outlined in 15 U.S.C. 1681c ( a ) ( 4 ), it must be removed immediately. The continued presence of this charge-off on my credit report is a violation of federal law.

Impact on Me : The inaccurate reporting of this charge-off has caused significant harm to my credit score, affecting my ability to obtain credit on fair terms. This has had a serious impact on my financial well-being, and I am seeking your intervention to rectify this situation.

Thank you for your attention to this matter. I look forward to your prompt response and resolution.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX  on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, a personal loan account opened at XXXX XXXX  on XX/XX/XXXX under the account number XXXX, and a collections account opened at XXXX XXXX XXXX on XX/XX/XXXX with a balance of {$0.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The ITEMS I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX Balance : {$130.00} XXXX XXXXBalance : {$0.00} XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$550.00} XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to address errors on my credit report involving 15 USC 16c-2. The listed hard inquiries were not authorized by me, and I request their prompt removal.
Product: Consumer Loan

I wish to make a formal compliant against this finance company that I previously got a loan for XXXX years ago. I requested that the company come and get the automobile because, it was not worth the amount of money that I was paying and that the repairs were more than the car itself. this company refused to come pick up the car for several of months while I was still making payments on the car. I found out that this company has gone out of business, and then the car was sold at an auction for less than what was paid on it. I have contacted the credit Bureaus in reference to this being taken off my credit report because they are reporting this as a repossession.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have three issues With Equifax that I believe in direct violation of my consumer rights. 
First, i will start with address change. XX/XX/XXXX I disputed and submitted a formal request to change to my correct address. I sent the required identification requested by Equifax. XX/XX/XXXX Equifax sent a confirmation letter and deleted the disputed address. XX/XX/XXXX, I receive a letter from another dispute. I notice that Equifax re-inserted the deleted address without informing me in writing that they were re-inserting the deleted address. 
Second. Equifax is reporting a collection that the 7 year time limit has expired for XXXX XXXX. XXXX XXXX reviewed their files and admitted that the statute of limitations had expired. Tennessee statute of limitations is 6 years. XXXX state that the account in question expired XX/XX/XXXX. XXXX informed me to contact Equifax. Equifax has been informed formally several times. Equifax has reported this account 2 years beyond & years. I have formally disputed this era to Equifax several times. 
Third, I recently have been informed that there is a bankruptcy that has been maintain under my social security number. Equifax was sent a formal letter disputing the bankruptcy. They were asked to validated there information and provide me with copies of any documentation. I inquired through the bankruptcy courts. I was informed that the courts do not report to credit bureaus. A formal letter was sent to Equifax XX/XX/XXXX and received XX/XX/XXXX. XX/XX/XXXX Equifax sent the bankruptcy dispute have been verified through XXXX XXXX. XXXX XXXX informed me a security freeze has been place on my files if any as of XX/XX/XXXX.
Product: Checking or savings account

I remotely deposited a check in the amount of {$2000.00} on Friday, XX/XX/XXXX into my Charles Schwab checking account ( account number ending in XXXX  ). As of Tuesday, XX/XX/XXXX, the funds were not made available despite telephoning the bank to request the funds be made available. The customer service agent insisted that the bank had rights to hold the funds until Thursday,XX/XX/XXXX even though I said that funds deposited via check should be made available by the next business day, which would be tuesday XX/XX/XXXX at the latest.

Very disappointed that the customer service agent did not escalate my request despite my efforts to explain the funds availability requirements under applicable federal law.
Product: Money transfer, virtual currency, or money service

Subject : Unauthorized Use of Personal Information and Financial Account Mismanagement I am writing to report a serious issue regarding unauthorized access to my personal and financial information, which I believe has led to the creation of an account in my name and the issuance of financial securities using my details without my knowledge or consent. My financial information was used privately and without my approval to issue securities on the secondary market, which is highly concerning and a direct violation of my privacy and rights. I request a full investigation into this matter to determine how my personal information was compromised, and why I was not informed.