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

I am writing to you as the holder of LEASE account number XXXX XXXX XXXX # XXXX to report an issue negatively impacting my credit report that appears to be in violation of the provisions of 15 U.S. Code 1666b, as well as other relevant sections of the Fair Credit Reporting Act ( FCRA ).

According to 15 U.S. Code 1666b, creditors must send periodic statements, including all information required by section 1637 ( b ), at least 21 days before the payment due date. This requirement ensures that consumers have sufficient time to receive, review, and make necessary payments without being unfairly penalized for late payments.

Additionally, the FCRA, specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files.

I have identified that the statements for my LEASE have not been delivered in compliance with these requirements, resulting in the appearance of late payments on my credit report. This non-compliance has adversely affected my credit score.

I formally request that you investigate and correct any inaccurate information related to these late payments on my credit report. Below are the details of the affected payments : XXXX XX/XX/year> XXXX XXXX OK OK I would appreciate your prompt attention to this matter to rectify any errors in my credit report. I am willing to provide any additional documentation necessary for your investigation. 

I look forward to receiving written confirmation of the actions taken to correct this information and ensure compliance with the relevant regulations.
Product: Credit card or prepaid card

On XX/XX/XXXX I purchased tickets for {$150.00} on XXXX through XXXX. The flight was for XX/XX/XXXX returning XX/XX/XXXX from New York to XXXX, NC. On XX/XX/XXXX I received notification from XXXX that my flights were cancelled and that new flights were offered on the same days but going to Georgia, then Carolina. I did not accept these flights and was issued a credit/voucher. When I discovered it was impossible to get someone from XXXX on the phone as they would not accept calls from anyone who did not have a flight within 48 hours I filed a dispute on the charge with Citibank as I made the purchase with their " Citi Simplicity '' card. I provided them with the emails showing my original flight that I booked, the changes and cancellations made by the airlines and the enforcement notice made by the Dept. of Transportation on XX/XX/XXXX stating that airlines are required to issue a refund for flights that are drastically changed or cancelled. 

XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX After several months of back and forth with Citibank they are now telling me that the merchant, XXXX, will not return the  funds and that they are not going to absorb those costs. Citibank will have no issue going after me for the money and sending my account to collections if I do not pay but they have no interest in getting their money from XXXX when the government mandates clearly that the airlines are required to refund customers in such cases?
Product: Payday loan, title loan, or personal loan

Applied for {$1600.00} XX/XX/2023 did not see the crazy interest they are charging me every week and i can not stop the payment in my bank. 

Tried to talk to them to change frequency of payment and they wont help...
Product: Mortgage

I have had my mortgage with First Key for several years. Last year, I received a letter stating there was a shortage in my escrow account, so my payment went up. Had to pay it. Received another letter this year stating the same thing. Became suspicious. Contacted them, and they told me my home insurance and property taxes went down. They said on the phone " This cant be right '' Asked for a supervisor or someone from their escrow department to contact me. I have spoken to XXXX of their customer service reps, and still have not heard a word. Feel as though I am being ripped off
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX complaint regarding these inaccurate accounts on my credit report. I wasn't notified if these accounts were verified or not. Please investigate this existing issue and remove these inaccurate accounts from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with XXXX XXXX XXXX XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both Equifax and XXXX XXXX XXXX XXXX with no successful resolution. Equifax only reporting me late. There was definitely an error on their part. I was never 30-59 days late.
Product: Money transfer, virtual currency, or money service

I have been a loyal customer of Bank Of America for years now, since the day i turned XXXX with no issues. Im almost XXXX. Earlier this year I had {$900.00} fraudulently taken from my account a couple weeks before I XXXX XXXX XXXX XXXX XXXX XXXX. They denied that claim saying that there was not enough evidence & when i called to try & reopen it they said it wasnt possible. I filed a police report like they said, but in the end they gave me the run around & all they did was close the account & opened a new one up. So all documents are lost on my end. I would have been more on top of it but i was XXXX XXXX XXXX XXXX, & when he was born he needed XXXX XXXX XXXX & then the pandemic was starting to happen, I had lost my job because of it. There was so much going on, by the time we finally got home after everything I figured that {$900.00} is lost now. Fast forward to XX/XX/XXXX, I went to a baby shower, & I was about to XXXX myself money from my Bofa app to another bank account. ( I make at least 10+ XXXX transfers a WEEK ) but i decided to just pay using my bofa instead. I was still logged into the bank app because it automatically signs you out after a certain amount of time. I set my phone down for a second & Im guessing someone either saw me type my phones code in or just knows my sons birthday, but they got into my phone & sent someone named XXXX {$140.00}. I didnt even notice until the next day. Usually i get a text code whenever I XXXX  large amounts of money but there was no messages for that. He is also not on my contacts so i dont even know his number or email for XXXX. Whoever was on my phone deleted all of it. I called bofa to file a claim & they once again denied it saying that I consistently make XXXX transfers from the phone, so there is nothing they can do. When i filed the claim, i told them it was sent from my phone though but i did not authorize the charge, i dont even know who the guy is the money was sent to. They once again told me to file a police report, but its been over a month now & i know they wont reopen the claim once i do. They once again closed the account & put a {$880000.00} hold on it. So now im just wondering if there is anything I can do. this whole year feels like bofa has been robbing me. I have XXXX XXXX & XXXX they have never given me any issues for years. Im a single mom & Ive been out of a job since XXXX. I worked up until the day before I XXXX XXXX  just for it all to be taken away. Please helppp : (
Product: Credit reporting, credit repair services, or other personal consumer reports

My daughter refinanced her XXXX XXXX XXXX XXXX ( on which I am a co-signer ) with XXXX ( see attached documentation ), with a loan approval date of XX/XX/2020. XXXX was supposed to pay off XXXX XXXX XX/XX/2020. My XXXX XXXX first pay to XXXX was scheduled for XX/XX/2020,. 

As of XX/XX/XXXX, XXXX paid off the loan to XXXX. However, XXXX already reported a 30-day deliquency on the account, which decreased my credit score by nearly 100 points. I requested a rapid credit rescoring of XXXX, and they have opened a dispute. 

I am in process of purchasing a home. I need an immediate rapid rescoring of my credit because I am not at fault for the error made by XXXX on my daughter 's account. 

My case with XXXX XXXX is XXXX. 
My daughter 's Request Number with XXXX is XXXX. 
My Experian Reference Number is XXXX. 

Thank you. 

XXXX XXXX XXXX XXXX, IL
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit reporting agency failed to conduct a proper reinvestigation of disputed information on consumer file per the Fair Credit Reporting Act. 15 U.S.C. section 1681i section 611.

states that reinvestigation is required to be conducted if a consumer disputes any inaccurate, incomplete or unverified item of information contained in a consumer 's file. The law also lays out proper procedures on how to treat said inaccurate, incomplete or unverified information ( Paragraph 5, Subparagraph A ) and also requires the credit reporting agency to provide notice of results of reinvestigation ( Paragraph 6 ). A dispute was submitted on XX/XX/2022 to Transunion, XXXX and XXXX and they have yet to provide an adequate notice of results of reinvestigation as it is laid out in The Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report.

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$130.00} ; XXXX XXXX Balance Owed : {$7600.00} ; XXXX XXXX Balance Owed : {$290.00} ; XXXX XXXX XXXX XXXX XXXX Balance Owed : {$1300.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$1200.00} ; XXXX  XXXX Bankruptcy Reference # XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX  XXXX Bankruptcy Reference # XXXX Date Filed/Reported : XXXX XXXX XXXX XXXX Balance Owed : {$540.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  XXXX  is a completely fraudulent Co. ever since the onset of the loan, they have dealt in nothing but shady practices. Then ended up taking the truck that was financed. 

Upon trying to get everything straight with them I was told that if I paid the balance in full, they would remove the trade line from my credit reports. They have not to this date. I have called, and basically got mocked, and laughed at because of their trickery, and immoral business practices.
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 has violated my rights. 

I looked at my Equifax 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 if 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 ( i ) 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 ( ii ) 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: Bank account or service

My checking account currently has a block or restriction preventing use of mobile deposit, this is due to number of times overdrawn/currently overdrawn. I do not have any branches and or ATMs located near me in Connecticut, I will need to use mobile deposit in order to bring account positive and for future deposits. The rep I spoke with earlier today stated I could transfer funds from savings, however, a federal regulation prevents a number of XXXX transfers per statement cycle. Needless to say, this does not resolve matter.
Product: Consumer Loan

I have made many advance payments on this loan, but they were incorrectly allocated. A Letter was sent to verify the accuracy of this debt but has not been responded to. I am requesting a full accounting of all payments made, copies of checks forward and back. The documents requested and answers to questions are needed to ensure the following. 

~ That our loan has properly been credited, debited, adjusted amortized and charged correctly, that interest and principle have been properly calculated and applied to my loan, that my principle balance has been properly calculated and accounted for and that no charges, fees or expenses that I am not contractually bound to pay have been charged on my account. 

In order to validate this debt and audit my account, I need copies of pertinent documents to be provided and answers in writing to various servicing questions to be sent to me at the address listed on the account.
Product: Credit reporting

There are accounts in my credit report that do not belong to me and Equifax is ignoring my requests to investigate and remove them from my credit report.
Product: Debt collection

I have had judgement against me thru attorney Patrick Scanlon. I have made several attempts to contact his office for assistance. I had completed their financial/income papers and had asking to be able to make a payment arrangement each month and no response was ever received. Recently I have made several attempts to contact his office thru their online portal email site. I received a settlement offer later datedXX/XX/XXXX stating they would accept {$1200.00} to show the judgement as paid in full. The letter states that I have until XX/XX/XXXX to pay in full and accept their offer. I emailed their office on XX/XX/XXXX to let them know that I was borrowing funds and would be accepting their settlement. Several days later I received notification that they have now attached my wages for the full amount. Why would I be sent a settlement letter if they were garnishing my wages? Their letter advises me that it may be worth my while to borrow the funds, which I have now done and then had my income seriously diminished. Why would they have ever sent me a letter recommending me to take a loan while knowing that they were already having my wages garnished. I have been trying to work them to make arrangements, and receive no responses to my emails. I specifically sent them an email to let them know that I was planning on accepting their settlement and when they could expect to receive the funds. Now I am stuck with a loan that I wouldn't have needed to take out, with a very high interest rate, and an inquiry when they knew all along they were going to garnish my wages. This does not feel right. I am aware that I owe the funds which Is why I have been trying to reach out to rectify the situation.
Product: Debt collection

I've been contacting Sunrise for weeks once an ( XXXX  ) was placed on my credit and negatively harmed my score dramatically. No one reached out to me I had to research and find the company that said I owed a debt and still haven't been provided the information proving the debt is mine. I've constantly been trying to get this settled and the company hasn't been collaborating as if they don't want this settled. It's becoming stressful I'm trying my best to get this settle still not knowing if this debt is owed to me. This process has affected my mental, physical, and financial wellbeing. All I'm asking it for proof debt is mine and removal from my credit.
Product: Vehicle loan or lease

On XX/XX/2019 I signed an extension agreement to skip XX/XX/XXXX payment. They sent the email with the agreement to skip the payment, i immediately signed the agreement and sent it back via XXXX XXXX. Kia emailed me back with confirmation that the document signed and filed. I have the email to confirm. They said we will resubmit the approval. I said I have proof that it was signed. My account is now 22 days late as the collections department contacted me on XX/XX/19 stating I was behind. I have an agreement with them and they do not want to honor the agreement.
Product: Credit card or prepaid card

X/XX/2018 - Received an unsolicited, encoded Netspend prepaid XXXX. It includes my name embossed on the card. This opens me up to significant fraud risk, and I do not want this to be sent to me. I will be shredding this card, but my concern is that others may have or will be mailed that are diverted to inappropriate parties.
Product: Money transfer, virtual currency, or money service

XXXX XXXXs database was compromised and I had {$83.00} dollars stolen from my account by a XXXX XXXX $ XXXXXXXX XXXX XXXXXX/XX/20XXXX XXXX XXXXXXXXXXXX XXXX customer service has yet to respond to my report.
Product: Credit reporting or other personal consumer reports

I am writing to notify you that I am a victim of a data breach and to request that you block and delete all fraudulent inquiries listed on my credit report in accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). 
The following inquiries are a result of the breach : XXXX. XXXX XXXX dated XX/XX/2023 XXXX. XXXX XXXX dated XX/XX/2023 XXXX. XXXX XXXX dated XX/XX/2023 XXXX. XXXX XXXX dated XX/XX/2023 These inquiries were made as a result of the unauthorized data breach, and I request that they be blocked and deleted from my credit report.
Product: Credit reporting or other personal consumer reports

In XX/XX/2024, I discovered multiple unauthorized inquiries and inaccurate collection accounts on my credit report. These entries were made without my knowledge or consent, and they violate my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b ( c ) and 15 U.S.C. 1681s-2.

# # # Unauthorized Inquiries : Under 15 U.S.C. 1681b ( c ), a consumer reporting agency may only furnish a consumer report with the explicit authorization of the consumer. The following inquiries were made without my authorization : Unauthorized Inquiries : 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 XXXXXXXX - XXXX These inquiries were unauthorized and are negatively affecting my credit score. I have contacted the companies responsible, and they have no record of any authorization from me. This violates the FCRA, and I am requesting immediate removal of these inquiries from my credit report. 
# # # XXXX XXXX Accounts : In addition to unauthorized inquiries, there are several collection accounts on my credit report that are inaccurately reported. Under 15 U.S.C. 1681s-2 ( b ), furnishers of information are required to ensure the accuracy of the information provided. However, these collection accounts have been paid in full or are inaccurately reported and are damaging to my credit : XXXX Accounts in XXXX : XXXX. XXXX - XXXX XXXX. XXXX XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXXXXXX Despite providing all the necessary documentation and complying with the required procedures, the credit reporting agencies have failed to remove the fraudulent items within the legal time frame. These errors have negatively impacted my credit score and have created undue hardship for me.

I am seeking your assistance to ensure that these fraudulent items are permanently removed from my credit report and that the credit reporting agencies comply with the obligations set forth by the Fair Credit Reporting Act ( FCRA ). 

This description provides the CFPB with the details they need to address your dispute. Make sure to adjust the placeholder fields like dates and amounts to match your specific situation. Let me know if you need further modifications!
Product: Checking or savings account

I am not allowed to link my pnc accout to my XXXX account online because of settings with pnc
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX The following personal information is incorrect. Please remove it from my credit report 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the XXXX . 
Report and other furnished XXXX XXXX, XXXX XXXX, and INNOVIS inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX I am XXXX XXXX Vet. 
I have some address that need to be off my credit file The following address are not mine : XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX XXXX, KY XXXX XXXX XXXX  XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX The following numbers are not mine please delete remove : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX