23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am writing to formally lodge a complaint against the three major credit reporting agencies : XXXX, Equifax, and XXXX, for violations of the Fair Credit Reporting Act ( FCRA ) and for reporting inaccurate information on my credit report. 

XXXX Violation : Non-mailable Address : XXXX has listed a non-mailable address on my credit report : XXXX XXXX XXXX XXXX  XXXX, XXXX, NY XXXX. This is not my address and needs to be removed immediately. 
Equifax Violation : Incorrect Spelling of Employer : Equifax has incorrectly listed the spelling of my employer as " XXXX XXXX. '' The correct spelling is " XXXX XXXX. '' This incorrect information needs to be corrected immediately. 
According to 15 USC 1681 Congressional findings and statement of purpose ( a ) ( XXXX ), it states : " The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. '' As these agencies are reporting inaccurate information, I have the right to have them removed and corrected. 

Unauthorized Inquiries : XXXX, Equifax, and XXXX have also allowed items to be placed on my credit report without my permission. There are a large number of inquiries that have been furnished on my credit report that I do not recognize and have not given my written permission to add. This constitutes inaccurate reporting backed by 15 USC 1681b Permissible Purposes. I noticed these unauthorized inquiries on my report in XX/XX/year> and have since filed a report with the FTC regarding these unauthorized actions. 

Failure to Correct Information : According to 15 USC 1681i ( a ) ( 1 ) ( A ), credit reporting agencies are required to conduct a reasonable reinvestigation of disputed information within 30 days. A month ago, I tried to have these items removed, but the failure of these agencies to correct the misinformation on my report in a timely manner violates this code. 

Requirement to Follow Procedures : Under 15 USC 1681e ( b ), credit reporting agencies must follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. The presence of incorrect addresses and misspelled employer names indicates a breach of this obligation.

I request that these inaccuracies be investigated and corrected promptly. Furthermore, I seek the removal of any unauthorized inquiries and a review of my credit report to ensure all information is accurate and fair as per the guidelines set forth by the FCRA.

All inccorect addresses, spellings and inquiries I wish to be removed are attached and highlight.
Product: Credit card or prepaid card

At the end of XX/XX/XXXX, I experienced a travel delay in which I was stranded overnight in XXXX, FL from XX/XX/XXXX until XX/XX/XXXX. I contacted the number on the Citi Premier card to confirm the travel delay benefits. I charged expenses to my card and then submitted a reimbursement claim on XX/XX/XXXX. The benefits company, XXXX XXXX, requested documents sent through email. I spoke with a representative on or around XX/XX/XXXX by phone who informed me a reimbursement decision would be provided within 2 weeks. I sent all relevant documents to the email. I followed up by phone approximately 4 times between XX/XX/XXXX and XX/XX/XXXX requesting an update on the reimbursement. around XX/XX/XXXX, I called citi as the reimbursement was not made, and the monthly payment was due. I informed XXXX ( ref : XXXX ) that the reimbursement was not made, and I was paying the difference ( {$440.00} ) between the reimbursement amount ( {$1000.00} ) and the statement balance ( XXXX ). She informed me I could call back once reimbursement was made to confirm the interest on the remainder would be refunded through the reimbursement. On XX/XX/XXXX, I was refunded XXXX. Since this was far below the {$1000.00} requested, I called the benefit company on XX/XX/XXXX to enquire why the full amount requested was not refunded. At this time, I was given several different excuses. I reviewed the terms of the benefit, and then called back. Then the representative informed me he made a mistake and the cost of the hotel XXXX was not reimbursed. He reported the receipt was never received although I sent it to the email provided on XX/XX/XXXX. I then sent in the email again on XX/XX/XXXX. I was informed the decision would be made within 2 weeks. I called Citi billing department on XX/XX/XXXX or XX/XX/XXXX to request refunds on the interest charged and the late fee applied during the months in which the citi benefits did not reimburse the money within the provided time frame, 2 weeks, or in the amount requested as they claim they did not receive documentation which was sent to them. The citi billing department refunded the interest fees, but they did not refund the late fee {$25.00}. They informed me I would need to request the late fee reimbursement from the billing department. On XX/XX/XXXX, I called the benefits department to check the status. I was informed by a representative that the documents were received, but that a new claim was never open. She, XXXX, informed me that on XX/XX/XXXX the documents were received, but a claim was not opened, and I would not receive any reimbursement without opening a new claim. This is in stark contrast to what I Was told on XX/XX/XXXX. She also informed me no late fee would be reimbursed despite the fact that the money was requested on XX/XX/XXXX, not paid within 2 weeks as quoted, not paid in the full amount requested to satisfy the balance all due to Citi 's mismanagement. She has informed me that I will receive a decision within 2 weeks from XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2018 I received an alert from XXXX XXXX about a Hard Inquiry in XXXX section from Best Buy ( Citibank ) and from that day I called 7 times indicate that someone try to get a credit card on my name. I already have credit from long time with Best Buy is make no sense asking for another card. They said all the time don't worry, we gon na fix it but nothing happen and cost me affecting my score. I talked with XXXX  and they give me your info to work this and clear this info. Let me know please how handle this.
Product: Payday loan, title loan, or personal loan

XX/XX/21 I contacted prosper at the end of my extension to continue my regular monthly payments. Note : prosper granted me {$50.00} payments during the pandemic. When I made my last reduced payment Prosper said I would need to pay {$1500.00} for my next payment because the term of my lease due. I would have to make to payments of {$1500.00} to close out the loan. I requested to pay {$400.00} because the pandemic limited my income, they refused. I now have a charge-off on my credit. Prosper demanded full payment during a time when customers where struggling.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts in question. listed below continue to report on my credit report in violation of federal law. These accounts in question. must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts in question., I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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

My account with XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  never late ! I have had exceptional payment history witH capital one 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 60 days 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 XXXX XXXX XXXX XXXX XXXX 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 8
Product: Credit card or prepaid card

I noticed on my credit report in XX/XX/2022 that there was a card issued to me from Avant/Webank . I called them and they said a credit card was issued in my name to XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX. They sent me the Affidavit paperwork in the mail but I have had multiple questions for them and every time I call them they hang up on me. They said the card was issued but because I called they never sent card out. However, I havent been able to have them verify. I also would like to have inquiry removed from my credit report.
Product: Credit reporting or other personal consumer reports

ON XXXX, I WAS SENT AN EMAIL BY XXXX STATING THAT MY NEW CREDIT CARD WAS APPROVED. AND ALSO THAT AN INQUIRY WAS MADE TO MY CREDIT WITHOUT MY CONSENT. I REPORTED THIS TO XXXX XXXX. I MADE A REPORT TO EXPERIAN WHO THEN SAID I SHOULD MAKE A FORMAL COMPLAINT TO CFPB.
Product: Debt collection

AD ASTRA RECOVERY at XXXX XXXX XXXX XXXXXXXX XXXX, KS. XXXX has been sending me collection notices in the amount of {$230.00}. the collection is being reported as late balance. I do not acknowledge AD ASTRA RECOVERY and have not every done business with them. Nor have i agreed to any terms or have a written contract with AD ASTRA RECOVERY, they are harassing me with negative reporting, they have failed to provide the proof of signature i requested numerous times.
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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account XXXX : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX has violated my rights. Or 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 seven 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 caus
e to believe that the informationisinaccurate.
Product: Checking or savings account

OPENED AN ACCOUNT WITH CAPITOL ONE BANK. THEY MARKETED THE ACCOUNT AS A HIGH YIELD INTEREST RATE BUT ONCE OPENED THEY CHANGED THE INTEREST RATE TO A LOWER RATE,
Product: Credit reporting or other personal consumer reports

In XXXX XXXX XXXX there was a fraudulent XXXX XXXX account opened without authorization. The identity thief had access to my personal information, mail and banking information. They opened up several accounts in my name while I was working and traveling abroad. Unbeknownst to me these accounts were open and active for well over a year.

When I contacted XXXX XXXX to let them know these accounts were not authorized by me and that I was a victim of identity theft that scoffed at the notion and refused to remove the accounts. I have spoken with their fraud department on several occasions including in XXXX XXXX XXXX. Yet despite police reports on my credit profile and a police report I sent directly to XXXX XXXX they refuse to delete the account.

Currently because of the fraudulent account I can not conduct business nor obtain a new home because the account is severely damaging my credit standing. I ask that the account be deleted and my credit corrected expeditiously.
Product: Credit reporting or other personal consumer reports

According to The Fair Credit Reporting Act of 1970 - 15 USC 1681b - Privacy Act of 1974 - Family Educational/Privacy Act 20 USC 1232g - 34 CFR Part 99 - 15 USC 6802 and 16 CFR 313.7 I have asked XXXX XXXX XXXX XXXX, and Experian to honor these regulations and codes. My correspondence is being completely ignored. I am in the process of creating debt security disputes and settlements in relations to the Securities Exchange Acts of XXXX for several credit accounts. Also, my personal information is outdated and erroneous. I have asked for removal of non-mailable addresses, erroneous names and social security numbers to be removed to no avail. I choose to opT OUT of credit reporting practices unless notified by me, in writing. I sent Certified Mailings and have received no proof of mailing. I am considering mail fraud charges for all 3 credit bureaus. Acting on my behalf by disclosing my personal information, without permission is one definition of identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft, and I did not make this Inquiry details XXXX XXXX SERVICES XX/XX/2022, and XXXX XXXX XXXX Opened XXXX {$320.00}. and XXXXXXXX XXXX XXXX  XXXX I am requesting that the charge be removed or DELETED, that any finance and other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. 

Enclosed are copies of ( use this sentence if applicable and describe any enclosed documentation, such as Identity Theft Affidavit. Please reinvestigate this matter and ( delete or correct ) the disputed item ( s ) as soon as possible. 
In addition, pursuant to FACTA..as a victim of identity theft I am requesting that you provide me with copies of any and all applications and business transaction records related to the fraudulent account. The copies of the records can be mailed to me at the address listed below. IN addition, please make these records available to law enforcement upon their request.
Product: Debt collection

XX/XX/2021 got a letter from XXXX XXXX XXXX stating that they are representing Bank of America but Bank of America sold debt to a 3rd party but they are claiming that they are representing Bank of America.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have carefully reviewed my credit report in Experian. I have been turned down for a credit due to misreporting information, I have found inaccuracies that should be immediately investigated. I have complete knowledge of the Fair Credit Reporting Act and understand that these companies have a responsibility to notify me prior to or no later than 30 days of such negative activity reporting against me. under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first XXXX digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Experian is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ), before the end of the XXXX-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. The accounts below should be corrected : XXXX XXXX XXXX ...., XXXX XXXX ..., XXXX XXXX XXXX XXXX XXXX ...., XXXX XXXX XXXX XXXX XXXX ....
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information on my credit report. Upon reviewing my Equifax credit report, I discovered an error regarding an account that was reported as 60 days late after being charged off. The account in question is with XXXX, and the account number is XXXX. According to my records and the history of this account, it was charged off on XX/XX/2019. The subsequent reporting of 60 days late on XX/XX/XXXXXXXX XXXX XXXX is inaccurate and misleading. There has been no activity on this account since the charge-off date, and it should reflect accurately on my credit report. I request that Equifax delete this account. As I previously ask for this account to be investigated and verified as accurate information. I was told all information was deemed to be accurate. I ask to rectify this matter promptly and delete the inaccurate reporting on my credit file. As per the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, and the current information on this account does not meet those standards. Enclosed with this letter are copies of documents supporting my claim, including statements from XXXX showing the charge-off date and lack of activity thereafter. Please investigate this matter and delete this account from my credit report accordingly. I appreciate your prompt attention to this dispute and look forward to receiving confirmation of the resolution. Enclosures : Copy of XXXX Credit Report ( highlighting the inaccurate information ) Copies of supporting documents ( e.g., statements from creditor )
Product: Money transfer, virtual currency, or money service

I am filling a complaint against cash app ( block inc ) due to inadequate customer services and unfair practices. which violates the consumer protection act ( cfpa ) .specifically cash app failed to take signifacant timely and effective mesuares to prevent and address Fruad on there platform, leaving mag account vulnerable and unprotected. Further more their dispute process was unfair and deceptive, as they did not comply with error resolution requirements under the electronic fund transfer act ( EFTA ) and regulation E.

this actions have cost me significant unrest and financial lose and unaccountability.

due to this I would like a financial redress and compensation
Product: Checking or savings account

On XX/XX/XXXX I signed a contract and paid a deposit via ACH to XXXX XXXX XXXXXXXX XXXX XXXX to help with moving. On XX/XX/XXXX, I signed and completed a refund request, as I had a suspicion the company was fraudulent, but they had a 10 day money back cancellation policy. Every time I called the company to try to get these funds, they told me there was a backlog due to XXXX. It has been 9+ months and I have still not received a refund.
Product: Credit reporting or other personal consumer reports

I am writing to formally lodge a complaint against Equifax regarding my inability to access my credit report since XXXX of this year. Despite my repeated attempts to resolve this issue, I have been unsuccessful, and it has significantly impacted my financial opportunities. 

Since XXXX, I have submitted numerous documents to Equifax to verify my identity, including a government-issued ID card, a copy of my Social Security card , and proof of my address. However, I am still unable to access my credit report. This ongoing issue has resulted in multiple denials for personal loans, credit cards, and auto loans, as lenders are unable to pull my credit information. 

The inability to access my credit report not only affects my financial standing but also causes undue stress and frustration. I believe that consumers have the right to access their credit information in a timely manner, and I feel that Equifax has failed to uphold this responsibility.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/19 I paid my XXXX XXXX credit card bill with a XXXX ACH for {$700.00}. My Accountant informed me that I should cancel the ACH because it was a Corporate Account. I cancelled the XXXX ACH and remitted a XXXX ACH on XXXX {$620.00} which was my new Balance. XXXX XXXX XXXX sent both ACHs to XXXX which would only authorize the ACH for {$620.00} because that was the only one authorized by me. XXXX XXXX repeatedly asked me for a letter from XXXX stating I authorized both ACHs. I refused because that was not right or authorized. My Credit limit was {$950.00} and the total of the ACHs was {$1300.00} which was almost double of what I owed. They closed my account which was ok with me and I spoke with many employees of XXXX XXXX and I asked them how to take care of the balance and they informed me to pay as agreed and no problem. XXXX payment was made on time as usual as well as XXXX payment. XX/XX/XXXX XXXX XXXX reported to Experian that I was late and they charged off my account. I have had this card for over 2 years and have never been Late. This is reflected in all my documentation I have to support this. Experian still show a charge off even though I have all the supporting documents proving I have paid as the cardholder agreement and XXXX  XXXX is abusing their power to report a charge off even though I have paid as agreed. Experian has removed the late payments and the past due amount XXXX XXXX was reporting through 2 different open disputes I have filed. This XXXX XXXX Charge off should be removed and shown paid as agreed. This has lowered my credit score over 59 points. I havent contacted the other credit reporting agencies about this injustice but I will. I pride myself on making all my credit card payment as agreed. This is hurting me tremendously. Thank you!
Product: Debt collection

On XX/XX/XXXX I received a debt collection notice from XXXX XXXX XXXX Reference # XXXX Balance of {$1000.00}. According to the letter the creditor is Citibank NA and is regarding an XXXX XXXX account Account # XXXX. I did not apply for credit account with XXXX XXXX Citibank N A. I do not owe this debt, never applied for any type credit card or credit with XXXX XXXX and this debt does not belong to me. To this day this is the first time Ive received any notice of this debt from XXXX XXXX or Citibank NA. I did not apply for this credit and this is not my debt.