23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

A few years ago there was a breach on my phone and all my info was taken. Since then I have had multiple accounts that Ive had to take care of and fix because of this identity theft issue. There is one company XXXX XXXX to be specific, that will not come off of the charges. They still think it was my card, but can not prove that I was the authorized user during the transactions that were purchased. The total is a mere {$390.00} but still its affecting my credit score.
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed information, accounts, or items that do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, you are required by law to remove & block any accounts or information that is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

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. 


I told Experian, XXXX, and XXXX to reinvestigate these accounts : Account name : XXXX XXXX XXXX XXXX Account Number : # XXXXXXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX, However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and payment history is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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 card

I cancelled my credit card with Wells Fargo XX/XX/XXXX. I received no statements until XX/XX/XXXX, when I received a bill for the yearly credit card fee for a card I no longer had or was using. I was also notified that it was late. I called Wells Fargo and resolved the problem, paid the balance with the agreement that they would send me a refund check, as they acknowledged that it was their fault, and that I had, in fact, attempted to close the account. This was not supposed to effect my credit, and I had no other late payments on any of my accounts ever. Well, I have n't checked my credit report in about that amount of time, and I now see that there 's a ding in my credit. I guess this is why it 's recommended that one checks their score every year? Hopefully it 's not too late for this to be resolved. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

My consumer rights are being violated with this inaccurate information! I have a right to be treated fairly by those who control it, so please provide me all available details on how they came up short in their responsibilities towards accuracy and compliance. I am officially challenging you to review your data on file for me! With the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U S C 1681I ) and Metro 2 compliance standards, I challenge all inaccuracies or deficiencies of reporting. The credit report I received was not accurate, which surprises me because you should be adhering to the FCRA and applicable Metro 2 data field formatting standards. OK, so here 's my challenge for you : Make a document that shows all of the evidence and sends it to me. It should be verified and complete with sources! The XXXX XXXXXXXX states that any deviation from these standards jeopardizes the integrity of data. This is a serious issue! The integrity of your data could be compromised if these standards aren't followed. The report you sent me is not accurate. Are you sure that all of the information is accurate and properly formatted? The below-noted claims are disputed and have not been confirmed as facts. Please take care of any false accounts on my credit report. I am requesting that you fix this issue as soon as possible because it will affect me financially in the future if left unchecked! I can't live with anything less than 100 % accuracy on my credit report. I want only factually accurate, verified and compliant data documented in it!
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has my birth date incorrect. This has caused delays in processing my mortgage application, which has included personal time I had to take from work to provide additional paperwork to keep the mortgage process moving. 

I filed a dispute of the information online, including uploading a scan of my birth certificate!!! ( which made me uncomfortable ) pointing out the incorrect birthdate. In response to my dispute request, they simply provided me with a copy of my credit report, which still includes the incorrect birth date, and marked the dispute resolved. Nothing in the report indicated I had made a dispute, what that dispute was about, nor what the resolution was! 

I called them to ask why their resolution did not include any correction to my information, or even really any addressing of what I disputed at all, and they refused to help me with any issue unless I " verified '' an unreasonable amount of personal information with a foreign ( non United States ) call center. I " verified '' with them my address and my social security number, which is already more than enough for even an average person to verify somebody's birthdate, and is information I was already uncomfortable stating over the phone. I most emphatically will NOT verify Bank Account numbers and recent credit applications or purchases, nor will I mail in copies of enough personal information for somebody to completely steal my identity. They assured me that this was the " only way '' they could possibly verify my identity. 

I told them I didn't even want any information from them, I simply wanted them to verify my birth date via their own means and correct it. They declined to do so unless I gave them the above stated unreasonable amount of personal information. I do NOT have a contract, neither implied nor explicit, with Equifax, and I do NOT trust them with my personal information ( nobody should after 2017 ).
Product: Mortgage

Hello : Back in the start of 2022, TD Bank sent me letter suggesting that my account was in arrears by at least {$15000.00}. When we looked into it it seemed that the company was not properly processing my payments. Despite some hassle, we agreed that I would make one extra payment to 'top off ' my escrow account to ensure that he escrow wouldn't trigger insufficient funds. On XX/XX/XXXX, I made that payment of {$1600.00}. TD Bank issued a letter to me indicating that my account was fully paid up. 

Since then it seems that TD Bank continues to have issues and has been mishandling the monthly payments that I have made and they now claim that my account was now {$22000.00} in arrears. I have spent dozens of hours trying to interact with the bank, making phone calls, speaking with agents. I have written at least two letters/emails to them- and I have yet to get a sufficient resolution to this problem. I am seriously fearing that the bank will attempt to take my house from me despite the fact that I made all payments on time. I will submit to you a proof of payments being issued by my account, and an accounting provided by TD Bank of all of my payments. 

To add insult to injury, my credit score has been adversely effected by these inappropriate actions by TD Bank- and it now indicates that I have missed multiple payments to my mortgages. All of this is completely erroneous and I am unable to get new credit issued to me due to these faulty reports of misconduct on my behalf. 

On my last calls with the bank on XX/XX/2022, I was informed that their analysis suggested that I was still behind on my payments - when it's clear to me that ( A ) i have issued all payments through my bank and ( B ) their math on the Payment Analysis that they performed was erroneous. 

I am turning to the CFPB as a last resort- please help!
Product: Credit reporting, credit repair services, or other personal consumer reports

I purchased my vehicle a XXXX XXXX XXXX back in XXXX. While at the dealership the agent told me he would get set up on auto-pay as it was the easiest payment system they had. After signing some documents I went on with my day. However, a couple of months goes by and I get a call from XXXX XXXX saying I missed a payment by XXXX days. I was confused because I remembered setting up automatic payments to my account. After speaking with the agent about my problem he went on to set me up for automatic payments once again. I had hoped this time I would be working. However, it wasn't the case. I got another call in XXXX about my missed payment. I called them and explained the situation. Due to the lack of execution from the dealership and the bank company my credit had dropped XXXX points which took me years to build. I called wells XXXX and they apologized and admitted their side of the mistake and told me to contact the credit bureau in order to fix my credit. I called and spoke with a credit bureau and sent in a dispute. However, when the dispute was returned on XX/XX/XXXX nothing was fixed. My credit was still heavily impacted and my missed payment was still on the record.
Product: Checking or savings account

On XX/XX/XXXX I opened a checking account with Bank of the West when there was a promotion of {$250.00} bonus for doing a doing a direct deposit of more than {$1000.00} over 3 months. 

I correctly opened the account by applying online on their website. Below the " Apply now '' button on their website it said that the promotion code is automatically applied. Please see attached screenshot of the same. 

I also met the promotion terms from XX/XX/XXXXto XX/XX/2019. 
Further when I contacted the bank on XX/XX/XXXX, they are saying that the promotion code was not applied in my case and so they denied the bonus. 

I request the bank to kindly issue the bonus of {$250.00} as I applied correctly and met the terms. It is an issue with their website / system itself.
Product: Credit reporting or other personal consumer reports

This is my 2nd Complaint about the negligence of the 3 Credit Bureaus and I alleged that they have violated the Fair Credit Reporting Act by inaccurately reporting information on my credit report with the late status of account resulting in significant harm to my financial standing and reputation. I demand that they rectify this violations and provide me with accurate and updated credit report immediately. This is the inaccurate account that I want it to correct : XXXXXXXX XXXX XXXX XXXXXXXX Opened XXXXXXXX XXXX XXXX Balance : {$10000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

" In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  -Untitled { Consumer disputes this account information Medical Subject has not satisfied debt ., XXXX, XXXX } XXXX - - - - - - 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 an account without my written instructions. 
"
Product: Credit card or prepaid card

I open a Jetblue credit card in XX/XX/2022. I have tried numerous times to log into my account and was unable. I have called customer numerous time spending many hours trying to rectify this problem with no results.Now when I call I get put on hold and know XXXX picks up. I would just cancel the card but I have a lot of points on it. They gave me and incident number XXXX If that is any help.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXXK AND XXXX 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 to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX XXXX AND XXXX 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: Debt collection

After carefully reviewing my credit file I have become aware that Portfolio holds an account representing XXXX XXXX XXXX. I have never held an account from XXXX XXXX XXXX nor had an affiliation with Portfolio Recovery. I have never even been informed about this alleged debt until receiving my credit report. The alleged debt in the amount of {$440.00} is the direct result of identity theft. I did not open or authorize this account, and I request that it be closed immediately. Please send me written confirmation that I am not responsible for charges on this account, and take appropriate steps to remove information about this account from my credit files. I have enclosed a copy of my FTC Identity Theft Report. Because the information you are reporting is the result of identity theft, and inaccurate, I request that you stop reporting this information to the CRAs, as directed by section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ). I ask that you take these steps as soon as possible. I also have enclosed a copy of the FTC'sNotice to Furnishers, which explains your
responsibilities when reporting information to CRAs.Pleas estop reporting this fraudulent information, investigate this matter, and delete any disputed items as soon as possible.
Product: Debt collection

I am writing to dispute a fraudulent charge on my account in the amount of $ XXXX. I am a victim of identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance and other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R. 226.13. See also 12 C.F.R. 226.12 ( b ).
Product: Debt collection

I was behind on my mortgage payments I got a call from the company and the lady treated me like garbage asked what I was doing even owning a home I should n't even have bought a home said I did n't deserve a home asked why did I buy a home if I could n't afford it made me feel so bad why would I ever want to talk to them again. Since then I have been foreclosed on kicked out of my house even after I told them I lost my job and was unemployed all they server said was make a payment and a half unroll caught up it was berry frustrating I do n't know if there is anything I can do to get my house back but I just do n't want them to be able to do this to other people.
Product: Bank account or service

I am paying late 2014 IRS taxes. In XXXX the IRS took out XXXX payments of {$250.00} by mistake. I scrambled to get money to cover the payments. I could not verify thedate for XXXX. There was no pending payment listed on line on XXXX XXXX. 
I bought a plane ticket to visit my family at a great price of {$310.00} on Sunday XXXX XXXX. 
On Monday the XXXX, the IRS took out a {$250.00} payment and the plane ticket was listed as pending. I called the bank and asked if they could stop payment or holdthe {$310.00} payment until Friday XXXX. The person said she would take care of it and I was lead to believe there would be no charges. I did not proceed further with the airline. 
I checked all week online and the {$310.00} was listed as pending until Friday the XXXX. Then the {$310.00} was listed as paid on Monday the XXXX and XXXX overdraft charges of {$35.00} totaling {$100.00} were deducted from my account. When I called thebank, a manager told me that the charges were normal and she would not refund the charges. The bank has a new policy that a general manager must approve refunds. If approved, the refund is sent by check by mail to the customer rather being redeposited into the account. This process takes weeks. The very high charges and lengthy refund process place customers at risk of more charges. 
I work with XXXX and donot have much money. In XXXX, I finished paying off over {$22000.00} in credit cardwith this bank.
Product: Vehicle loan or lease

Pursuant to 15 USC 1605a finance charge defined, as otherwise provided in this section, the amount of the finance charge in connection with any consumer credit transaction should be the sum of all charges, payable directly or indirectly by the person whom the credit is extended, and imposed directly or indirectly by the creditor as an incident to the extension of credit. The finance charge does not include charges of a type payable in a comparable cash transaction. 
Consumer Financial Bureau 1026.4 Finance Charge : ( a ) Definition. The finance charge is the cost of consumer credit as a dollar amount. It includes any charge payable directly or indirectly by the consumer and imposed directly or indirectly by the creditor as an incident to or a condition of the extension of credit. It does not include any charge of a type payable in a comparable cash transaction. 

Notice, Congress said the finance charge does not include charges of a type payable in a comparable cash transaction ( so any type payable in comparable cash transaction is excluded ). Making the RETAIL INSTALLMENT CONTRACT ACCOUNT # XXXX LOT # XXXX between BUYER XXXX XXXX and CREDITOR-SELLER XXXX XXXX XXXX XXXX XXXX is in so many violations of the TRUTH IN LENDING ACT as well as CONSUMER FINANCIAL BUREAU , which means I XXXX XXXX is entitled to rescinding the contract
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX reported my account 30 days late for XX/XX/2022. I was NOT 30 days late. I had a payment due of {$60.00} ( This is what my XXXX said was due ) on XX/XX/2022. I paid {$27.00} on XX/XX/XXXX & paid {$61.00} on XX/XX/XXXX = {$88.00}. That amount covers the {$60.00} XXXX XXXX informed me I owed. XXXX XXXX will claim that since another previous payment of {$2700.00} was returned the minimum payment for XX/XX/XXXX should have been {$92.00}. But I have no way to know this. XXXX XXXX should have updated the statement because on XX/XX/XXXX the online information also confirmed that {$60.00} was the minimum due. 

Also XXXX XXXX doubled my minimum payment for XX/XX/XXXX to {$160.00} FOR THESE REASONS XXXX XXXX HAS REPORTED INACCURATE INFORMATION TO ALL 3 CREDIT BUREAUS.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX as requested by my builder I sent XXXX from my account at XXXX XXXX to Suntrust Bank in Florida XX/XX/XXXX -- -called builder -- did you receive funds -- he says I never sent that email XX/XX/XXXX Call XXXX they open an investigation XX/XX/XXXX investigation concludes with no funds returned to my account On or about XX/XX/XXXX I called Suntrust and spoke to XXXX XXXX in their compliance department she was not only rude but would not give you any information to assist we simply want to know where our money went and if we can get it back we are hard working people that can not afford this loss as we are building our home for our family I have the account numbers for the account involved
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a student loan, it was a XXXX loan from XXXX  XXXX XXXX University in the amount of {$2700.00}. The loan was originated in XX/XX/XXXX and defaulted in XX/XX/XXXX. The account was first delinquent in XX/XX/XXXX. It was reported to the credit bureaus as 90 days late in XX/XX/XXXX. The loan was subsequently paid in full. The information has been removed from XXXX and XXXX. With Equifax, in XX/XX/XXXX, the information that was being reported incorrectly changed to show that the account was first reported delinquent in XX/XX/XXXX. I submitted multiple disputes to Equifax and they have not fixed the problem. I have multiple old credit reports sent directly from Equifax XXXX, XXXX which show the correct original date of delinquency ... that the account was reported as 90 days late in XX/XX/XXXX. Also the XXXX XXXX XXXX who is Furnishing the information to XXXX agreea 100 % with me that the loan was first delinquent in XX/XX/XXXX and first reported as 90 days late and XX/XX/XXXX. The date of furniture is adamant that they're providing the correct information to Equifax showing that the account was reported as 90 days late in XX/XX/XXXX and that the problem is on Equifax end. Equifax refuses to publish the correct information despite multiple disputes in ample proof provided in the form of official copies of old credit reports from all four bureaus, including XXXX, as well as a confirmation directly from the data furnisher.