23daVinci/CFPB_Complaints huggingface dataset:
Product: Consumer Loan

Notified lender unable to pay due to medical XXXX. Refrigerator stopped working. money from Retirement plan. Informed them that would make payment as soon as receive money. Provided information from Attorney.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your taking the time to DELETE some of the erroneous items in my credit file ; however, there are still many items that need to be DELETED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be DELETED immediately. 

XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

On XX/XX/2019, I transferred {$780.00} to my daughter 's Paypal account. Unfortunately, the destination account was a foreign ( XXXX ) account that she had used while living abroad. My daughter discovered belatedly that she had limited access to the account because she could not prove she physically lived in XXXX, so she was unable to access the funds I sent to her. 

On XX/XX/XXXX, I put a stop payment with XXXX XXXX XXXX Bank, hoping that the transfer would not be made. The transfer was completed anyhow to my daughter 's old account with Paypal fronting the funds. Because I placed a stop payment at my bank on the transfer, Paypal now claims that my account has a negative balance that I owe to Paypal. 

Because I don't want to be charged twice for the same transaction, I have refused to cover the balance. Instead, we have tried to work with Paypal USA and Paypal XXXX Customer Service to resolve the problem without success. They say there is no recourse for recovering these funds from the old account, even if the owner gives her permission to refund the money or transfer it back to my account, yet still I have to cover the negative balance on my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

My complaint is against Equifax : On XX/XX/XXXX an auto loan was issued to me from XXXX. Due to a miscommunication, the loan was not paid for a period of time and was repossessed, but redeemed within a 24 hour period. The loan was paid in full as of XX/XX/XXXX and the account at XXXX was closed. <P/>In XX/XX/XXXX when applying for another auto loan it was brought to my attention that Equifax were reporting the current status on the XXXX loan as " repossessed '' and was reporting various inaccurate " late payment '' marks from multiple dates from XX/XX/XXXX-XX/XX/XXXX after the account had been paid and closed. In speaking with XXXX, they reported that they had not been reporting any late payments since closing the account. Three separate disputes were filed with Equifax ( completed on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ) to correct these inaccuracies and each time the current payment status remained " repossessed '' and the late payment marks remained inaccurate. Each time a dispute was made and completed, the pattern of late payments changed as well, although was still reporting dates after the account had been closed ( See attached : Equifax Credit report filed XX/XX/XXXX ). <P/>As of today, XX/XX/XXXX, Equifax is reporting there were two on-time payments made in XX/XX/XXXX and XX/XX/XXXX and one missed payment in XX/XX/XXXX ( See attached : XX/XX/XXXX Screenshot XXXX ) Note : Inaccuracies are also reported in the same way from XXXX and XXXX credit reports, although when comparing them the payment history does not report the same patterns ... see XXXX and XXXX attachments
Product: Credit reporting or other personal consumer reports

Dear Experian credit reporting Upon reviewing my consumer report, I noticed that it inaccurately reflects late payments on the following account : Account Name : XXXX XXXX Account Number : XXXX This reporting is incorrect, as I have consistently maintained on-time payments for this account. Under the Fair Credit Reporting Act ( FCRA ), specifically Section 607 ( b ), you are required to follow reasonable procedures to assure maximum possible accuracy of the information contained in consumer reports. The inclusion of late payments on my report violates this provision by inaccurately representing my payment history. 

Inaccurate information on a consumer report not only misrepresents my creditworthiness but also unfairly harms my ability to access financial opportunities. These errors violate my rights under the FCRA and must be corrected. 

Reasons Why This Reporting is Inaccurate : 1. I have never missed a payment on this account.

2. The creditor has not provided me with any evidence to substantiate these alleged late payments.

3. The erroneous reporting suggests a failure to follow the FCRAs requirement to ensure maximum possible accuracy.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

I looked at my TransUnion credit report on XX/XX/2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( 1 ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( i promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to 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, credit repair services, or other personal consumer reports

XX/XX/XXXX- $ XXXX-unathorized charges XX/XX/XXXX- $ XXXX-paid in full not removed from credit report XX/XX/XXXX- $ XXXX-unauthorized charges and will not contact me XX/XX/XXXX- $ XXXX- not my account/fraud activity XX/XX/XXXX- $ XXXX- not my account, I had another one and paid in full XX/XX/XXXX- $ XXXX- paid in full and not removed from credit report XX/XX/XXXX- {$880.00} account was in a plan and paid from bank draft every month until paid balance down and it showed that I was late 30-60 days and was not
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I contacted Experian about the following negative accounts XXXX XXXX XXXX  XXXX Inquiry XX/XX/XXXX, XXXX XXXX XXXX Inquiry XX/XX/XXXX, XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX, XXXX Inquiry XX/XX/XXXX, XXXX XXXX Inquiry XX/XX/XXXX, XXXX XXXX XXXX Inquiry XX/XX/XXXX, XXXX XXXX Inquiry XX/XX/XXXX, XXXX XXXX / XXXX Inquiry XX/XX/XXXX, XXXX XXXX / XXXX Inquiry XX/XX/XXXX, XXXX XXXX / XXXX Inquiry XX/XX/XXXX. Its been over 45 days and Experian havent respond to my request as they are required to by the Federal Credit Reporting Act.
Product: Debt collection

XX/XX/22 A female agent called to discuss a collection that I have. I told her that I can't make any payments until after the 1st of the year. She offered a settlement option and I told her again I don't have any extra funds until after the 1st of the year. Then she began harassing me and continuing to question why I can't make a payment, that I've owed the amount for over a year. I told her I didn't care about that I'm not making any more payments until I can afford to. She begin to mock me, be very disrespectful and unprofessional. I called back and got the same type of response from a different employee. I can't believe people like that represent a collection company.
Product: Credit reporting, credit repair services, or other personal consumer reports

The inquiries listed in my report were inaccurate. I requested that they investigate these and analyze my files by sending letters to all three credit bureaus. The reality that these inquiries continues to be sent around is affecting my credit. The credit agency didn't do anything to remove the inquiries listed below : XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX  XXXX  Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX FINANC Inquired on XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX  XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX  Inquired on XX/XX/XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX
Product: Checking or savings account

I tried to open a checking account in the US Bank Main branch in XXXX XXXX XXXX XXXX XXXX but they refused my application without any compelling reason. I tried to contact them several time, but I could not solve the problem. At the end they told me the reason is this : " No new account because of Sanction ''. Maybe because I am from XXXX. This is not acceptable to me, because lots of my XXXX friends open account in this branch during XXXX, XXXX, and after that. This is clearly a discrimination because they do not open the account just for me. I could get a bonus on opening the account, but I missed it because of this obvious discrimination. Customers are not important for them.
Product: Credit reporting, credit repair services, or other personal consumer reports

THESE ACCOUNTS THAT ARE LISTED ARE FRAUDULENT SOMEONE USE MY IDENTITY TO OPEN FRAUDULENT ACCOUNTS WITHOUT MY KNOWLEDGE I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX CRAS. On XX/XX/2020, I mailed Equifax, XXXX  and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Checking or savings account

I used America first credit unions atm on XX/XX/XXXX to make a cash deposit ( around XXXX ). Afcu is part of the XXXX XXXX XXXX ( so is my bank ). The machine had taken {$110.00} from me. After the issue the machine disabled cash deposit. I went inside and the tellers made a report. I was informed the atm would be checked on XX/XX/XXXX and that I would receive a call. No updates so I called on XX/XX/XXXX. The rep put in another ticket and said someone will get in contact with me. No response. Then around XXXX XXXX I went in. The teller said I had to wait 45 days and there is nothing they can do because my bank had to do the investigation. How can my bank investigate the cash flow on their atm? Doesn't make sense. It's been 22 days since the machine took my money. They should have credited my account.
Product: Debt collection

Opened a credit card account with first national bank of omaha on XX/XX/XXXX. Got laid off for a long time so i couldnt pay it. Last payment made was on XX/XX/XXXX. First national bank of omaha sold the balance left {$2800.00} to XXXX XXXX XXXX on XX/XX/XXXX. I have received a few letters from them over the last couple of years stating the balance i owe, but as i have been laid off for almost 2 years total out of the last 3 years, i still could not pay it. I was served citation papers saying the were suing me today, XX/XX/XXXX, & i do not know what to do. I just recently started a new job with a new company & at this point i still can not afford to pay this bill. I do not want to be sued but i have no idea what i should do. Someone please help
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint seeks to have XXXX XXXX and TransUnion identify why is there a report of a 30 day late reporting to TransUnion on an account that was paid and closed in XX/XX/XXXX with XXXX XXXX. I've tried to bring this to the attention of XXXX  supervisor ( who I was told was on the phone and then at lunch and he would return my call but never did ). I continued to make calls attempting to rectify this issue, using all my time and energy for this egregious error that caused an 18 point decrease in my credit score. I brought this to the attention of XXXX and they deny they reported this ( although I disputed the 30, 60, 120 day late they did report back in XX/XX/XXXX and again in XX/XX/XXXX ). I was told by TransUnion supervisor that it was the creditor that report these items. I am back and forth between TransUnion and XXXX and both are saying it was not them it was the other.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am so upset about these accounts that your company has been reporting inaccuracies on my credit report. You are letting me go through all these troubles because of your inaccurate reporting! This is an error on your part and you must remove this as soon as quickly from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has a record on my credit report of a debt, now paid but paid late and having gone into collection, for XXXX in 2017. I never had XXXX, my info was stolen from Experian 's own data leak I am guessing, so they simply " updated ' account because the hack/fraudster paid the bill. I did not. Still on my report. Experian will not remove it.
Product: Credit card

Ive been an American Express ( Amex ) customer since XXXX have never been charged a late fee or interest charges as it relates to my credit cards. 

I recently opened a new Amex credit card under account XXXX but it seems the Autopay function did not carry over from my current Amex credit card to my new Amex credit card which resulted in a {$29.00} late fee on XX/XX/XXXX and {$58.00} interest charge on XX/XX/XXXX. 

I called Amex customer service on XX/XX/XXXX as asked why the auto payment did not occur for this account and was told that this needs to be manually entered. I requested the {$29.00} late fee and {$58.00} interest charge ( {$87.00} total ) to be refunded as a one-time exception and was denied on the basis that this is a new account despite explaining that I have been a customer since XXXX and having explained that I was not aware that the auto-pay must be manually entered for each account.

It is my belief that Amex willfully engaged in deceptive financial practices to harm consumers by instituting a manual autopay function for each account for the sole purpose of charging late fees and interest charges. I would further accuse Amex of financial fraud and ask CFPB to investigate this further.

As resolution, ( 1 ) I ask CFPB to request Amex to refund the {$29.00} late fee and {$58.00} interest charge ( {$87.00} total ) back to my Amex account XXXX and ( 2 ) I ask CFPB to investigate AMEX for deceptive financial practices to harm consumers as it relates to this case for late fees and interest charges and ( 3 ) I ask CFPB to investigate Amex for discrimination against and targeting XXXX in deceptive financial practices. 

Thank you. 

Best, XXXX XXXX XXXX XXXX )
Product: Checking or savings account

I have been trying to reactivate my inactive account for weeks. As they require, I mailed them a letter in the mail with all my information to reactivate my account. They lost the first letter so I had to mail a priority letter to since they required a tracking number over the phone to prove that they got it. They have left me hanging for weeks, now they called and said they got my letter but it wasn't notarized or signed. It was 100 % signed but it was certainly not notarized. This is because it says online that only citizens in New York are required to notarize requests to reactivate inactive accounts. I have never lived in New York and have resided in Maine my entire life. They have been giving me the absolute run around. I have done all of the things necessary to solve this mundane task. Their requirements are posted online on how to reactivate my account and now they are needlessly requireing more. I have already spent XXXX dollars on priority shipping just to track the first letter and now I will have to do it again. This is totally unacceptable
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I pulled a copy of all three credit bureaus and I noticed the creditor CREDIT ACCEPTANCE listed on my credit report were not reporting payments made to the account since XX/XX/XXXX appalled at this error I reached out to the major credit bureaus ( XXXX, XXXX  and XXXX  ) on XX/XX/XXXX via certified mail I included in this letter an explanation of the error along with a copy of the payment history from the creditor CREDIT ACCEPTANCE along with an government issue ID and a utility bill to correct my current physical location, I then waited 30 business days for a response from the bureaus the response was overwhelming that claimed despite evidence of the inaccuracies that this account was certified via the creditor to be reporting accurately and current. I then contacted the company 's regulatory department and was contacted by a company representative named XXXX XXXX XXXX XXXX, Compliance on XX/XX/XXXX she too had assured me that according FCRA they are required to report factual information to the credit agencies only I informed XXXX XXXX that is correct and questioned as to why the payments that I have been making on my loan are not being reported she went on to assured me that CREDIT ACCEPTANCE is reporting up to date payments on the account to the Major credit bureaus, I then explained to her further that I have copies of my credit reports and they are not reporting any of the payments made in the last 90-120 days she then asked if I could produce copies of my credit reports to further understand the error I submitted the copies via email address XXXX XXXX XXXX assured me she would submit this information " credit reporting department '' and reach back out to me regarding this incident. On XX/XX/XXXX XXXX XXXX did reach back out as promised and to my surprise XXXX said " The credit reporting department assured her that they are reporting accurate information along with payment history to the major credit bureaus and that I would again have to dispute the information with the credit bureaus as they have no control over what the credit bureaus report on my credit profile from their company and that they would not be able to reach out to the credit bureaus to correct this error ... ... .convinced that this issue will continue to go on and continue to deface my credit history I wished XXXX a great day and let her know on a recorded line as she informed me that I will be filing a complaint with CFPB observe in the documents also which is a FCRA violation of reporting incorrect information notice the amounts from all three credit bureaus are vastly different I have also attached the proof the the disputes submitted to all three credit bureaus along with the copies of the payments made to the creditor
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 many items which 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 items which are found to be fraud 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. Please block/remove these items. 
XXXX XXXX XXXX Balance : {$800.00} XXXX XXXX XXXX Balance : {$900.00} XXXX XXXX  Balance : {$870.00} XXXX XXXX  Balance : {$2100.00} XXXX XXXX XXXX : Discharged Date Filed/Reported : XX/XX/year> Reference # : XXXX XXXX XXXX XXXX Balance : {$430.00} XXXX XXXX XXXX  Balance : {$190.00} XXXX XXXX XXXX Balance : {$910.00} XXXX XXXX XXXX  Balance : {$1100.00} XXXX  XXXX XXXX XXXX : {$160.00} XXXX  XXXX XXXX Balance : {$140.00}