23daVinci/CFPB_Complaints huggingface dataset:
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 XXXX XXXX XXXX. 

Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX and list of Inquiries. 


15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Barclays c onverted an existing credit card of mine to a different type. When doing so, they informed me that any rewards accumulated up to that point would be lost ( I had none ), and that going forward I would earn  XXXX  point per dollar of purchases, in addition to a  XXXX  point bonus after spending {$1000.00}. I made a {$1000.00} purchase a few days later, but was awarded no regular points and no bonus points ( I am owed  XXXX  +  XXXX  =  XXXX  points = {$110.00} in cash ba ck ). I  contacted them and have received varying responses, including promises to credit the points and statements that no points will be given me ( their representatives seem confused ). After multiple emails back and forth, 32 days ago they opened an internal case, which they assured me would be completed within 30 days. They have offered no resolution to this case, so I am contacting the CFPB for assistance.
Product: Checking or savings account

My Chime account was closed. I dont know why. I use my car yesterday to make a purchase and I had no problem. I didnt see that they closed my account sometime after XXXX XXXX  when I made a purchase using my Chime card. I saw that it was closed at or around XXXX XXXX  XX/XX/XXXX when I looked at my account I did make a call. I spoke to a young lady. I couldnt understand on the phone and she could not would not give me any information. Just told me I needed to send a copy a photocopy of my ID front and back and a bank statement from my bank thats attached to my account. My bank statement isnt even ready yet. XXXX XXXX XX/XX/XXXX. My bank is currently investigating a {$350.00} withdrawal made by a XXXX XXXX which I asked her about and she told me they werent affiliated with more questioning. She revealed that they are with XXXX XXXX. I have had this account Over two years and I dont understand why this is currently happening because this could also mess up my credit rating which they help me to establish. Please contact me. I really need help with this you have. My email, but I dont have a problem with giving you my phone number XXXX. Please help
Product: Credit reporting or other personal consumer reports

I REQUESTED BACK ON SXXXX XXXX XXXX THAT I WANTED TO OPT- OUT OF THE ACCOUNTS LISTED BELOW ACCORDING per 15 USC  6802b, 16 CFR  313.7a, 12 CFR  1016.7a(1)(2). TRANS UNION, XXXX XXXX XXXX RESPONDED TO ME AT ALL. I REQUESTED TO OPT-OUT OF THE ACCOUNTS BELOW;

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I ordered food through XXXX XXXX  on XX/XX/year> in the amount of XXXX that I didn't receive. I got a text from XXXX XXXX  saying my food was delivered at XXXX I immediately called the driver 17 times he never answered. He was suppose suppose to hand me my food in my hand and I didn't get it. Then I called XXXX XXXX  5 times and sent emails, screen shots of when I called the driver. I also asked XXXX XXXX  to track the driver and it would show them that the driver never showed and they didn't at that point I did XXXX disputes with cashapp and they said they got proof from XXXX XXXX  and when I asked for the proof they sent me an email of my purchase through cashapp nothing from XXXX XXXX  and closed my claim multiple times.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2018, I submitted a dispute towards unverifiable items on my credit report, asking for proof of Original documentation of the transactions in question. I received neither proof or response in regards to any progress of reconciling and removing the improperly reported accounts.
Product: Debt collection

It started with a debt that XXXX XXXX XXXX ( XXXX ) said that I owed when they made false claims to get me to renew. When I called back to cancel and explain my situation they said sorry and that I was out of my contract and I had to just return my equipment to their store. I went and returned my equipment to their store at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX. At that point I asked if I was good and didn't need to do anything else to be done with them and they said I was good so I left. I then received a bill from them for the services I didn't request so I called and they said it was their mistake and that I was relieved of what they said I owed. This was back in Fall/Winter of XXXX. I then received a few months later letters and calls from XXXX XXXX XXXX, a debt collector, I had to go through a whole process and lots of time ( almost a full days work ) to get them to say their collections are done and that they wouldn't report me to a credit bureau. This letter came on XX/XX/XXXX. I thought this was handled then in XX/XX/XXXX I got a call from AmSher saying I owed debt told them my situation and that I already handled this and won't do it again and to stop contacting me. They continued contacting me so I sent them my information on the previous collection efforts to show that I didn't owe anything. Then they said they would stop contacting me but nothing else was handled and I feel that this is harassment by XXXX XXXX to try and collect a debt that isn't owed to them.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Equifax regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

Nature of Complaint : I submitted a dispute to Equifax disputing a late payment reported by XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : The payment was submitted well before the due date of XX/XX/XXXX. I have attached bank statements and payment confirmation as evidence that my payment was made on time. 
Despite the timely payment, the late payments entry of 30 and 60 days has been inaccurately reported by XXXX, which may have been caused by a clerical error in processing my payment. 
Additionally, there was no notification or communication regarding a late payment, and I received no notice of delinquency from the creditor, further supporting the claim that this was an administrative mistake. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Equifax has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX
Product: Mortgage

Based on the selections, this best fit my issue, but not sure it was intended for issues with PMI. XX/XX/XXXX I applied for PMI removal. I never heard anything back from anyone so I called back at least 3 times, the third time was on XX/XX/XXXX and is when I asked to be escalated to a manager. The manager finally got the BPO ordered, and the appraiser came to my house on XX/XX/XXXX. I was told it would be a few days and I should hear something. I have not heard anything back as of today ( XX/XX/XXXX ) so I called back and was told nothing is on my account since the BPO was ordered. My house has way over 20 % equity and I have paid {$270.00} towards PMI since requesting for removal and there is not end in sight. This money should not have been paid, nor should I pay anymore going forward. Their ineptitude and inefficiency is costing me ( and I assume many others ) money and should not be allowed or tolerated.
Product: Payday loan, title loan, personal loan, or advance loan

Happy Money , Inc. reported to XXXX on XX/XX/2023, that my accounts outstanding balance was {$18000.00}. Happy Money Inc.s records, according to their online portal, reflected my accounts outstanding balance to be {$16000.00} as of XX/XX/2023. 

My monthly minimum payment is {$1200.00}. The difference between {$18000.00} and {$16000.00} is {$2400.00}. Happy Money , Inc.s reporting of my accounts outstanding balance is 2 months in arrears and ultimately, inaccurate. My math is shown below. 
{$18000.00} ( My outstanding balance reported by Happy Money Inc. as of XX/XX/2023. ) - {$1200.00} ( XXXX XXXX monthly minimum payment. ) - {$1200.00} ( XXXX XXXX monthly minimum payment. ) {$16000.00} ( The difference between {$16000.00} and {$16000.00} is the result of me making additional principal payment ) I recognize that it is common for there to be a lag between when payments are posted to an account and when a tradeline is updated. However, Happy Money Inc.s credit bureau reporting of my accounts outstanding balance, as of XX/XX/2023, 2 months in arrears and ultimately, inaccurate. 
I filed a dispute through XXXX  online portal on XX/XX/2023, trusting that Happy Money , Inc. would accurately report my accounts outstanding balance to XXXX, and the other credit bureau reporting agencies. 

XXXX provided me with results of my dispute on XX/XX/2023. XXXX stated, The company that reported the information has certified to XXXX that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. 

Inaccurate credit reporting can materially and adversely impact consumers ability to access credit markets, obtain the best interest rates, increase insurance premiums, and impair ones ability to maintain or obtain employment. 

Happy Money , Inc. has a legal responsibility as a credit data furnisher, to accurately report consumer information to the credit reporting agencies. I assert that Happy Money , Inc. is violating multiple federal and the State of Illinois consumer protection laws including, but not limited to, the Federal Trade Commission Act ( 15 U.S.C. 41-58 ), the Dodd-Frank Act ( Section 1031a ), the Uniform Commercial Code Unfair, Deceptive, or Abusive Acts or Practices ( 12 U.S. Code 5531 ) , the Fair Credit Reporting Act ( 1681 ), the Consumer Financial Protection Bureau rules and regulations , and the Illinois Consumer Fairness Act.
Product: Student loan

PLEASE REMOVE ALL ACCOUNT INFORMATION. ALL ACCOUNT LISTED ARE UNAUTHORIZED. I DID NOT RECEIVE ANY GOODS OR SERVICES FOR ANY OF THE LISTED ACCOUNT REMOVE AS SOON AS POSSIBLE. XXXX XXXX {$590.00}, XXXXL XXXX {$3300.00}, XXXX XXXX {$1800.00}, XXXX XXXX {$2000.00}, XXXX XX/XX/XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX {$1700.00}, XXXX XXXX XXXX {$740.00}, XXXX XXXX {$19000.00}, DEPT OF EDUCATION/ NELN {$90000.00}. REMOVE ALL ACCOUNT. THESE UNAUTHORIZED ACCOUNT IS DAMAGING MY CREDIT. PLEASE REMOVE THESE ACCOUNT FAST PLEASE REMOVE
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX Experian P. O. XXXX XXXX XXXX, TX XXXX Subject : Formal Dispute of Inaccurate Information on Credit Report Dear Experian, I am writing to formally dispute inaccurate information reported on my credit report. I am aware of my rights under the Fair Credit Reporting Act ( FCRA ) and hereby request a thorough investigation into these inaccuracies, as mandated by federal law. 

Recent allegations against Experian by the Consumer Financial Protection Bureau ( CFPB ) highlight serious deficiencies in the way credit reporting agencies handle consumer disputes. The CFPB 's lawsuit cites " sham investigations '' and other unlawful practices, including : - Conducting inadequate investigations that fail to properly address consumer disputes. 
- Reinserting previously disputed and inaccurate information without proper explanation. 
- Failing to notify consumers effectively about the results of investigations. 

These issues raise significant concerns regarding the protection of consumer rights and may affect how my dispute is handled. 

**Inaccurate Information Reported** : XXXX XXXX XXXX Acct XXXX XXXX Balance {$10000.00} Charge-off : means company have been paid Open date : XXXX XXXX Close date : XXXX XXXX Under the FCRA, I expect you to : 1. Conduct a proper investigation into my dispute.

2. Inform me of the results of your investigation in a clear and comprehensible manner.

3. Provide me with any documentation upon which you rely if the disputed information is verified as accurate.

4. Ensure that any inaccurate or unverifiable information is corrected or removed from my credit report promptly. 

If your investigation concludes that the disputed information can not be verified or remains inaccurate, I request the immediate removal or correction of this information from my credit report. 

Furthermore, I request written confirmation detailing the actions you take in response to this dispute. Should you fail to resolve this matter satisfactorily, I reserve the right to escalate the issue with the CFPB and other appropriate agencies. 

Thank you for your prompt attention to this important matter. I look forward to your response within the legally mandated 30-day timeframe. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/year> spoke to XXXX he left me on hold and refused to let me speak to a supervisor. He denied of having my identity theft form that was sent to Equifax on XX/XX/year> cfpb. 

EQUIFAX HAS REFUSED TO REMOVE THIS FRAUDELENT INFORMATION FROM MY ACCOUNT. 

I HAVE SPOKEN TO AN EQUIFAX SUPERVISOR LAST WEEK SHE TOLD ME THAT THE XXXX XXXX ACCOUNT WOULD BE REMOVED AFTER THEY RECEIVED MY FORM. 

EQUIFAX HAS CONTINUED TO LEAVE ILLOGIAL AND FRAUDELENT INFORMATION ON MY CREDIT REPORT EVEN WHEN IT DOES NOT MAKE ANY SENSE
Product: Credit card or prepaid card

It keeps saying I got an indigo credit card.. but I have never applied for it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Per Title 15 USC 1681 [ N ] a XXXX dollar fine shal be implemented for each inquery not expressed consented by myself the consumer, cease and decist all reporting not expressly written by me the consumer.
Product: Credit reporting or other personal consumer reports

I submitted this complaint to remove this suspicious information. 3 Credit Bureaus must validate these items by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2023
Product: Credit card or prepaid card

I have a credit on my account for {$200.00} and because I have a {$71.00} dispute company refuse to send me my money even the balance of {$120.00} and keep the {$71.00} while the dispute is still going but now they don't want to do that either. They're keeping my hard money they have as a refund in my account and holding it hostage until the {$70.00} dispute resolves which is pending meaning I am winning it and they are just waiting for it to credit through. I have called three times yesterday on the XXXX of XXXX and again today on the XXXX and yesterday I was told after going through several Representatives that they can in fact send me the {$120.00} and then my call was dropped as I was driving in my car. So I called today again and they are back to square one refusing to send me my money.
Product: Credit reporting or other personal consumer reports

XXXX reported a 30-day late payment to the credit bureaus on XX/XX/2022 for the month of XX/XX/2022. I filed this complaint because the XXXX payment should Not have been reported late. 

Its been my experience in the past with XXXX and other creditors that if the past due payment is received no later than the following/next month 's due date, the payment is Not reported late. 

I have attached a copy of the transaction history for the last 5 months of XXXX 

You will notice that the XXXX payment was paid on XX/XX/XXXX, and it was not reported late, and therefore, the XXXX payment which was paid on XX/XX/XXXX should not have been reported late either. There are more days between XX/XX/XXXX and XX/XX/XXXX than there are between XX/XX/XXXX and XX/XX/XXXX. So since XXXX was not reported late, XXXX should not have been reported late either. 

I am thankful I was able to pay both XXXX payment and XXXX payment and all fees ( {$2500.00} ) on the XX/XX/XXXX due date, so XXXX should NOT have been reported late. I worked very hard to meet this deadline and accomplish this, and it should not be taken away from me. This is NOT right! I owed additional fees when I paid XXXX on XX/XX/XXXX, and it was not reported late. I was able to pay all fees and bring the account current on XX/XX/XXXX, including XXXX 's payment, so XXXX really should not have been reported late. 

As I said before, this is not just with XXXX. All my other creditors do not report the past-due payment late if it is paid by the next months due date, and no later. XXXX should be no different.
Product: Debt collection

I learned from a recent credit report that AFNI is showing as a collection account and is trying to collect a debt in the amount of {$150.00}. This is the first time I have heard of this company or this debt. I was never sent a notice of right to dispute nor have I been contacted by mail or telephone regarding this alleged debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, South Carolina XXXX XXXX Account # 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: Payday loan, title loan, personal loan, or advance loan

There are several dates From XX/XX/XXXX {$650.00} Customer ID # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Ending date XX/XX/XXXX Paid in full letter XX/XX/XXXX Here are the different companies Trying to collect the same loan : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX
Product: Debt collection

This attorney is sharing my information and posing as an attorney and debt collector, I want his oath of office before the court date, I was issue a warrant.
Product: Checking or savings account

From XX/XX/XXXX  my XXXX ( now XXXX ) year old daughter 's savings account has been fraudulently charged by XXXX under someone elses name I have never heard of nor been affiliated with. Every month on the XXXX until XXXX she has been charged XXXX ( XXXX and XXXX posted on the XXXX ). I have no idea how they got her account number and had XXXX  out of state, bought a house and had a XXXX for me and my child and didnt catch up on things until past the supposed timeframe the bank would dispute the charges. XXXX refuses to refund because they cant/wont search and confirm someone's account I am not affiliated with nor authorized on and the mountain America credit union is only willing to go back 2-3 months leaving us out roughly XXXX stolen from a child. It was a XXXX  account and had a different name on the transaction I dont understand how the bank allowed it at all. And XXXX  cant refund it without the thief permission since it's their XXXX  account.
Product: Credit card

I was hospitalized,XX/XX/XXXX after a XXXX. After the XXXX someone cut off my American Express Card. My credit is and was excellent until others used my credit card after, XX/XX/XXXX. I moved to XXXX and used my card again. The balance paid off and assumed correspondence from American Express stated I had informed them to cut off my credit card with the respect of this problem is by law XXXX year XXXX, ( forwarding a written statement to the bank which issued the credit card ). I contacted American Express by letter and telephone, they would n't believe I did n't cut off the credit. This has caused extreme hardship, due to XXXX XXXX denied me a credit card and XXXX XXXX XXXX had charges of purchases, I did not purchase, also harassed me for payment and I informed them I did not make the purchases. Someone is attempting to destroy my credit. At this time I do not have a credit card with my financial status which is very strong financial assets. Please Advise. I was called into the office of a XXXX Hospital stating a nurse had my credit cards. It is very hard to believe American Express of great professional respect and the banks of complaint are the true respondents. By professional performance as a Corporate Leader the banks always cooperated. It is assumed someone else maybe answering their telephone communication systems with unprofessional skills. After reading your scrubbing section, it should be monitored due to the zip codes are financial accounts and I do not desire to have any finances removed or scrubbed from my zip code trust account. The OMB number displayed on your web site is also one of my financial asset accounts. The 12 U.S.C 5493 gives me the respect to file my complaint with you due to the law of year XX/XX/XXXX and yet the 12 U.S.C ( United Supreme Count of 12, Understand 5493 is also personable.