23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

1. Applied and was approved for American Express Platinum credit card on or about XX/XX/20192. Promotional offer (screenshot attached) was XXXX Amex membership points upon spending $XXXX within 3 months of opening card subject to various caveats (see terms and conditions).3. I met the spending condition and have not received the points. 4. It is important to note that during the application process, there was an eligibility check for the promotion and I was NOT told that I was not eligible.5. This is for account ending in XXXX (XXXX XXXX)
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  account, XXXX has violated my rights A HIPAA authorization form gives covered entities permission to use protected health information for purposes other than treatment, payment, or health care operations. Which I did not sign giving permission to have my personal information 15 USC 1681 section 602 8 states I have the right to privacy 15 USC 1681 section 604 A section 2 also states a consumer reporting agency can not furnish your account without my written instructions
Product: Checking or savings account

Sandy Spring Bank locked my account and asked me to verify my identity by coming in person to the branch. Their branches are hours from where I live, and it is a big inconvenience for me to drive up there just for simple paper work, especially since I work full-time Monday - Friday. 

I contacted Sandy Spring Bank multiple times in early XXXX. I requested an alternative option. I said I can provide paperwork online through email or a secure portal. However, they refused and said I have to come in person. Then, I informed them it is a major inconvenience for me and requested that they close my checking account and cut me a check for the remaining balance of {$1000.00}. They said they can not do that, which is ridiculous. 

It has now been over 2 months. They have since kept my account locked and my money has been stuck.
Product: Credit reporting or other personal consumer reports

I recently conducted an investigation of my credit report, which caused XXXX XXXX when I discovered unverifiable, invalidated, inaccurate, and questionable items that your agency failed to ensure were reported accurately. 

Under the Fair Credit Reporting Act, it is mandated that all information on my credit report be 100 % accurate. However, these accounts are in clear violation of 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) by not adhering to this standard.

I am attaching copies of all previous correspondence for your review. I demand that these inaccuracies be rectified immediately to comply with federal law and alleviate the harm caused by your agency 's negligence.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraudulently opened in my name I have provided this company my FTC report and police report and still no results.
Product: Mortgage

Some how in XXXX of XXXX a payment was missed, I was never contacted about any late payments .Bank says they only had one phone number a work number .Upon reviewing my mortage loan doc 's XXXX I see all my numbers listed several times in the paperwork .Now they say they never had consent to call any numbers but work number ( makes no sense } .I regusted when i said its ok to call some number sbut not ok to call others { they never did ask } they refused to furnish that info .I recieved a letter from Bank stating they call work number on the XX/XX/XXXX, but did not leave message .I believed i was paying in advance the whole time, not until i recieved a XXXX notice did I know .They have a certian responsabitity to inform customers theres a issue with account, I believe .The Banks story of no or wrong phone numbers is false .I want the 30 day past due removed from credit reports.
Product: Credit reporting

Equifax is reporting XXXX XXXX student loans all with account number XXXX on my account as " 120 plus days late '' as the " current status. '' These loans were transferred and sold years ago and they are currently reporting twice. I demand that these loans are deleted from my credit report.
Product: Mortgage

I attempted to refinance my mortgage in XX/XX/2022 and began the process with American Fidelity Mortgage Services , Inc . I followed their process as instructed and provided all of the information they requested. The loan officer I was working with, upon discussing my case with his " manager '', told me I needed to participate in their Rapid Rescore Program in order to be approved for the refinance. I was hesitant at first because it would result in my having to borrow funds from a family member to participate. I did this in order to get approved only to find out that I did not have to participate in their " Program '', and I would have been approved but with a higher rate. During this process, they checked my credit score three times, placing three hard inquiries onto my credit report. At the end of the Rapid Rescore Program process, they performed an income verification, which I was told was already completed, and stated because I no longer work two jobs ( a difference of less than $ XXXX month after taxes ) I was denied the loan. All of this after three hard inquiries onto my credit report, being told the rate was locked in a month prior, having to participate into a program I didn't have to participate in, and having to borrow money from someone when it was never necessary. I want the hard inquiries removed from my credit report and this company to stop telling prospective buyers/owners they " : qualify ... if ... '' and placing unnecessary hard inquiries onto credit reports, which drag down credit scores. Three hard inquiries within 2 weeks is ridiculous and overkill.
Product: Credit card or prepaid card

Navy Federal Credit Union agreed to a settlement for less the owe amount. They report correct what I had paid to settle the XXXX accounts and the balance and past due balance were update to {$0.00} due to the settlement that was made. Now, XX/XX/XXXX they are reporting to the XXXX credit bureaus a balance and a past due balance amount. I reached out to Navy Federal Credit Union on XX/XX/XXXX spoke with XXXX XXXX advising that the balance they are reporting is inaccurate and she advise that would handle the dispute one they receive it from the 3 bureaus. I did not get a resolve with the company even though XXXX XXXX is the same agent that took my payment on XX/XX/XXXX to settled the account. How can they report the correct information on XXXX & XXXX of XXXX, then in XXXX report a balance and a past due balance when they agreed to the settlement which would in turn close out this account and cease further collection activities. This had drop my score and I very upset with how Navy Federal Credit Union treat this situation.
Product: Credit reporting or other personal consumer reports

I am writing to register a formal complaint regarding the persistent presence of fraudulent items on my credit report. Despite my previous efforts to dispute these inaccuracies, they continue to harm my creditworthiness and financial well-being. This letter serves as an official request for the immediate removal of these fraudulent entries. 

The fraudulent items on my credit report that I am disputing are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I previously reported these fraudulent items to your agency on [ mention the date of your initial dispute ], providing supporting documentation and evidence to establish their fraudulent nature. However, despite my efforts, these items persist on my credit report, causing undue harm to my creditworthiness and financial reputation. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that is accurate, complete, and free from inaccuracies. The continued presence of these fraudulent items not only violates the FCRA but also undermines my ability to access credit, secure loans, and make sound financial decisions. 

I hereby request that your agency conducts a thorough and comprehensive investigation into these fraudulent items, reviewing the documentation I have previously provided and any additional evidence that may be pertinent. It is crucial that you take immediate action to correct these errors and ensure the removal of these fraudulent items from my credit report without further delay.

Furthermore, I expect your agency to notify all the credit reporting agencies to which you have disseminated this erroneous information, as required by law, to prevent the continued dissemination of these inaccuracies.

I urge you to prioritize this matter and provide a written response within the legally mandated 30-day timeframe, confirming the removal of the fraudulent items from my credit report. Please acknowledge the seriousness of this issue and its substantial impact on my financial well-being.
Product: Credit reporting or other personal consumer reports

Self is reporting an illegal late payment- the amount was current during the CARES ACT FCRA accommodation period, was granted an accommodation, then caught up payments and paid off account. They still show 30 days late payment. 

On XX/XX/XXXX, the president signed the CARES Act into law, which among other things, provides new consumer protections to consumers impacted by the COVID-19 pandemic. 
Section 4021 of the CARES Act amends the FCRA by adding a new subsection ( F ) to Section 623 ( 15 U.S.C. 1681s-2 ( a ) ( i ) ) to the reporting obligations of creditors that provide an accommodation to consumers affected by COVID-19 who have requested accommodations during the covered period of the COVID-19 pandemic. The covered period began on XXXX XXXX, XXXX and ends 120 days after the later of ( a ) enactment of the CARES Act ( i.e., XX/XX/XXXX ) or ( b ) termination of the presidents COVID-19 outbreak national emergency proclamation. 

CARES Act offers the following protections : If the consumer was current on an obligation at the time of an accommodation approval, the account must be reported to CRAs as current if the consumer is complying with the accommodation agreement. 15 U.S.C. 1681s-2 ( a ) ( 1 ( F ) ( ii ) ( I ).

AND If a delinquent consumer manages to catch up during the accommodation period, the creditor or other furnisher must then report the consumer as current. 15 U.S.C. 1681s-2 ( a ) ( 1 ( F ) ( ii ) ( II ) ( bb ). 


Further I have attempted to resolve this multiple times with Experian, XXXX and XXXX. In XX/XX/XXXX, I disputed this and asked for verification my late payment did not met the CARES Act FCRA amendments
Product: Checking or savings account

Account Limitation I have been with PayPal since it's inception and have faithfully remained a customer, that is until XXXX, 2020. A tenant of mine couldn't get out due to the COVID-19 lock-down so they paid their rent money to my PayPal account. PayPal flagged my account as " suspicious activity and put a hold on my account. 

This is the message I received : Your account access is temporarily limited. 
Some of your account information is shared with an account that has a problem. Please resolve the issue in the impacted account. If you have questions or know this other account isnt yours and need to appeal, contact us. 
We need you to take action on your account. Some features in your account will be limited until you perform certain tasks on your account. You will be able to regain access to these features once you've completed these. 
If you're unable to submit the required information by XX/XX/2020 or if we notice additional changes in your account activity, your access will be further limited. 
Oh, yes, my account has been further limited ... ... 

I went to the resolution center and followed the instructions. 
1 ) Change my password. I did so reluctantly. 
2 ) Submit a photo ID : I did so reluctantly. Photo ID : accepted.

3 ) Submit a bank statement. I did so reluctantly.

Statement pending review. 
My bank statement has now been pending review for 2 months!!!!!! I have called every number listed for PayPal, I have sent messages to PayPal and I have received no response yet. I have written the governor of California asking for anything that might help me gain access to literally thousands of dollars in my account that I sincerely need. All I get is recordings that state " due to the corona virus, customer service has been closed. Really??? I am at my wits end..Can anyone help me out here? Please. 
The Paypal corporate office phone number is : XXXX For customer services, you can call : XXXX XXXX XXXX For sales support, call : XXXX. 
However, no one will answer and you can't leave a voicemail.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are 7 unauthorized and unverified inquiries that were posted to my Transunion credit report on XX/XX/2020. I find these particular inquiries to be especially heinous, given that I was not present, nor had any knowledge of this act occurring. These fraudulent inquiries are damaging my creditworthiness in the eyes of lenders. Transunion has yet to provide proof of verification for these inquiries. I have made constant attempts to rectify the situation with the original creditors and Transunion to no avail.
Product: Credit card or prepaid card

XXXX with XXXX XXXX making several phone calls a day from an unknown number. This includes Sunday, and between hours that are not permitted.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is misInformation on my credit report about this account. I've never obatian this account before
Product: Credit reporting, credit repair services, or other personal consumer reports

I started I was looking for rent to own then the rent to own send me to lexington law to look at my credit was XXXX then was paying them start at XXXX. Then XXXX some were about there then it XXXX. Monthly but nothing was done I have been with the company to fix my credit about a year I am not happy they couldn't tell me what my score was for year when see some was not right with this company I file compliments with XXXX I was paying them to fix my credit an nothing was done I need my refund back
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2nd request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me, or signed any agreement and contract. The items I'm complaining have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following listed items below : XXXX XXXX XXXX XXXX XXXX, TX, XXXX XXXX XXXX XXXX XXXX, XXXX, TX, XXXX XXXXXXXX XXXX XXXX  XXXX, AZ, XXXX XXXX XXXX XXXXXXXX XXXX, XXXX, MD, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IA, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX, XXXX XXXX XXXX XXXX XXXX Balance : {$14000.00} XXXX XXXX XXXX XXXX Balance : {$120.00} XXXX XXXX XXXX Balance : {$1300.00} XXXX XXXX XXXX XXXXXXXX XXXX : {$1500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. 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. 

XXXX XXXX XX/XX/XXXX {$27000.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$2100.00} XXXX XXXX XXXX XXXX XXXX XXXXriginal Creditor : XXXX XXXXXXXX ) XXXX XX/XX/XXXX {$520.00} XXXX XXXX XXXX {$250.00} XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX {$4000.00} XXXX XXXX XXXX XXXXXX/XX/XXXX {$790.00} XXXX XXXX XXXX XX/XX/XXXX {$260.00} XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX 15 USC 1681 Section 602 A- States I have the right to privacy.

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

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

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX  XXXX BALANCED {$0.00} XXXX XXXX XXXX BALANCED {$1800.00} XXXX XXXX BALANCED {$1200.00} XXXX XXXX XXXX XXXX XXXX BALANCED {$0.00} XXXX XXXX  XXXX XXXX XXXX BALANCED {$3600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Money transfer, virtual currency, or money service

XX/XX/2021 amount {$710.00}. Submitted International transfer to XXXX to be available immediately in the recipient 's account. Remitly company sent me an email indicating money has been successful deposit into account. Which is not true. The local bank of recipients has confirmed that remotely hasn't sent any funds on my behalf to be deposited. I have all evidence and ask them for refund but they are not willing to refund me.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency 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 item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX - 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 & XXXX Account Number : XXXX Account Name XXXX XXXX XXXX XXXX Account Number : XXXX
Product: Consumer Loan

My mother was returning calls and taking messages for me letting people who were contacting me know that I have been XXXX A call came through to my phone ( that I now believe was a cell phone, not business ) from a lady named XXXX and my mother immediately called the number back and spoke w/ her. She proceeded to tell my mother where she was calling from, what she was calling about, the status of my account, how many days past due I was ( which was 33 at the time and was said to be almost 60 ), and that I was in jeopardy of being sent to recovery. She then proceeded to get bank account information from her. There is no one authorized on my account but me and not only did this embarass me but caused an verbal altercation between me and my mother.
Product: Credit card or prepaid card

I signed up for a CareCredit card through synchrony bank. At the time of signing up, I was very clearly told that as long as I paid off the purchase at the end of the 18 month promotional period, I would not be charged any interest on this card. I was then told, that all I needed to do was setup autopay, in which case it would pay the card off by the end of the promo period. I did this, and have been having automatic payments deducted for 18 months. However, I was told completely wrong by someone at the company who clearly had no idea what they were talking about. At the end of the 18 month period, I was charged {$1800.00} of interest on my original {$4200.00} purchase ( which was used for healthcare ). I contacted the company, telling them this was no right, and they told me that I am wrong about how their card works. But I was told by someone who works there how this card works, and was following their instructions! {$1800.00} is a crippling amount of money when it comes to my current financial situation, and I believe it to be completely unfair business practice. I believe I was falsely advertised to, and then was forced to pay money that I should not have owed. I really hope you can help me. And I appreciate your time very much!!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with Fair Credit Report Act, XXXX XXXX  account # XXXX and acct # XXXX has violated my rights and clearly in violation of 15 USC 1681 . Both accounts are reporting illegal late payments and inaccurate days of these late payments.

15 USC 1666b says .... A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
Product: Credit reporting or other personal consumer reports

This morning, I discovered unauthorized inquiries on my credit report with no explanation. I routinely review my credit report, but today, unexpected issues appeared. I even refreshed my browser, hoping it was a simple glitch, but the problem persisted. I am frustrated and urge you to carefully review the documents I provided to resolve this once and for all.
Product: Debt collection

Received a credit alert advising that I have a collection account from 1st Point Coll Resources, which reported on XX/XX/21. I never received any information or communication from this creditor.