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

On XX/XX/XXXX I was on XXXX  website booking an airplane ticket for my daughter and on the last step where I had to pay the ticket ( {$170.00} ), a pop-up appeared saying that if Im approved for an American Express Delta SkyMiles credit card Ill be receiving {$200.00} statement credit, and it was displayed exactly the following way : {$170.00} - {$200.00} = {$22.00} credit ( Offer or Promotion XXXX ) Looking at this, one would assume that the statement credit would appear immediately and it would take care of my purchase, or probably this how they are trying to mislead their clients!!!

Once I clicked on the pop-up window, it took me thru the application process and it did NOT mention that the credit will show up on my statement after 6-8 weeks. I did receive the monthly statement but I didnt pay it thinking that the statement credit will take care of it and on the next cycle it will show up as a credit of {$22.00} as advertised. When the next statement came I had late fee and interest charge, so I called the customer service and I was told that I had to pay it in order to get the statement credit, and I did so over the phone ( or online ), and I was told that the {$200.00} credit will appear on my next statement. I have been calling them since XX/XX/XXXX and every time I get the same answer, it will show on the next statement and I was issued 2 case numbers ( XXXX & XXXX ). Finally, this week I requested to talk to a supervisor and she told me that since I didnt pay on time my first statement I disqualify for this offer.
Product: Prepaid card

STATE OF OHIO LOADS MY UNEMPLOYMENT BENEFITS ONTO A U. S. BANK RELIACARD, WEEKLY. OHIO STATEMENT SHOWS {$16000.00} BEING DEPOSITED. U.S. BANK ONLY SHOWS {$15000.00}. A DEFICIT OF {$1100.00}. OHIO STATEMENT SAYS THE MONIES HAVE BEEN SENT. U.S BANK DISAGREES. NEITHER PARTY IS OF ANY HELP!
Product: Mortgage

Plaza Home Mortgage , Inc. ( XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, IL XXXX ) used to service our loan before it was transferred to the XXXX XXXX XX/XX/XXXX. Now, Plaza Home Mortgage refuses to provide an IRS Tax Form XXXX ( XXXX ) for XX/XX/XXXX to us. I called Plaza Mortgage XX/XX/XXXX and was told that all forms were mailed by XX/XX/XXXX. We received nothing. On XX/XX/XXXX I sent Plaza Mortgage Customer Service an official request for the Form XXXX via email. Today is XX/XX/XXXX and we have not yet received the XXXX tax form. Plaza Mortgage failed to respond to my written request. As a result, we are unable to complete our tax return paperwork.
Product: Credit reporting or other personal consumer reports

I am a victim of ice toy theft. There are several inaccurate negative accounts on my XXXX credit reports that I didnt give authorization or permission to open
Product: Mortgage

I am selling my house to my ex-wife, XXXX XXXX. When she was ready to close a 2nd mortgage popped up that I had not seen or heard of for 10 years. XXXX XXXX XXXX was the 2nd loan I had orginally taken out to purchase the house. When they went of business I assumed that XXXX XXXX  took over the 2nd loan since they had taken over my 1st loan. I did n't receive anything from any other bank and currently nothing. Eleven years have passed since then and another lender took over for them in the mean time ... XXXX XXXX. I do not have this 2nd loan showing on my credit report. I 've spent 3 weeks trying to find out who assumed that second loan. There 's nothing on the title and no one could help me. My ex-wife finally order a title report and she emailed to them. She is showing on the deed only, not on any of my loans. They told me after a few days that the loan had been sent to collections with Dyck O'Neal Inc. I called them and spoke to a representative named XXXX. He told me that they had it. It had been there for 10 years. It had accrued interest in the amount of {$14000.00} plus the XXXX that was owed. Then he asked how much the house appraised at and how much money my ex-wife was getting back. Then maybe they would consider removing some interest? She was only approved for the original balance. I do n't think this is right. I feel that since they made no effort to get a hold of me and it was n't showing anywhere on my credit report or with the county on the title that that 's not legal. I 've exhausted every avenue and want to get this over. I also believe that the 2nd loan was charged off. Thats why it 's not showing anywhere?
Product: Credit reporting or other personal consumer reports

My account with TransUnion was never late! I have had exceptional payment history with XXXX XXXX  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 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. 


TransUnion 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
Product: Debt collection

XX/XX/XXXX XXXX, XX/XX/XXXX - XXXX, XX/XX/XXXX - XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX .- These are all the dates this company used a skip tracing robo dialer system to reach me. On the first initial contact I missed the call and called back. I talked to a gal. Which informed me the call was about a payday loan I took out and fell on hard times. I let herr know that I am in the process of taking care of my delinquent debts and would like something in writting. She let me know she can email it to me. I provided and verified the email address with her. She was very pleasant. The next couple of calls I did not answer for I was at work. I then got another call and answered it at work and let the rep know that I am ceasing all future calls to myself and she told me there was nothing she can do about that calls and cant promise that. I then let herr know at this point I am educated with the law and let her know again her company is not to contact me on my cell phone again she rudley cold tranfered me to what she called a specialist. I ended the call. Today XX/XX/XXXX at XXXX I answered the call and again its that comapny with a skip tracing messaging used via a robo dialer system ( not a live rep ) I had to press 1 if I knew the wear-abouts of myself. I was then transfered to a live rep = Which i informed the rep they are robo dialing a cell phone and they have been ceased from communication. he claims i have to send a letter. I let him know that I verbally told the company already twice before. as I asked in what this is pertaining he terminated the call.
Product: Mortgage

I have a variable rate and I understand completely that they can increase or decrease my rate at any given time. However since my credit is not good what I 've done is send in additional payments towards my principal to pay off my loan earlier ( since my loan did not have a prepayment penalty ). Now Select Portfolio is reducing my principal to elongate my loan term to the full 30 years. Keep in mind they are not increasing my interest simply adjusting the amount that is applied towards the principal, which is unheard of to everyone I 've discussed this with! As previously mentioned I fully understand they can adjust the rate but can they Legally reduce principal payments to maximize their profit? It is hard to belief this can possibly be legal, can someone please call me to explain. 

XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX LA, XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXXXXXX, IA XXXX RE : COMPLAINT AGAINST CHEXSYSTEMS, INC. - FCRA, METRO 2 FORMAT, AND REPORTING VIOLATIONS To Whom It May Concern : I am writing to file a formal complaint against ChexSystems , Inc. regarding numerous violations of the Fair Credit Reporting Act ( FCRA ), Equal Credit Opportunity Act ( ECOA ), and Metro 2 Format reporting standards in my consumer disclosure report. I recently received a Consumer Score Disclosure Report dated XX/XX/year>XXXX  ( Consumer ID : XXXX ) that contains several critical compliance issues requiring immediate investigation and correction. 
IDENTIFIED VIOLATIONS 1. DATA ACCURACY AND INTEGRITY VIOLATIONS ( FCRA Section 623 ) The report shows a significant date discrepancy : The score creation date is listed as XX/XX/year>, but the Last Revision Date shows XX/XX/XXXX, XXXX nearly two-year difference that raises serious questions about data accuracy and timeliness. 
This violates FCRA requirements that furnished information must be complete and accurate, and that reporting agencies must follow reasonable procedures to assure maximum possible accuracy. 
2. METRO 2 FORMAT COMPLIANCE FAILURES The report uses cryptic codes ( XXXX, XXXX, XXXX ) with vague descriptions that fail to provide sufficiently clear information to the average consumer. 
According to Metro 2 Format standards established by the XXXX XXXX XXXX XXXX ( XXXX ), data furnishers must ensure information is reported in a standardized manner that enables clear understanding by consumers. 
The report fails to adequately explain the specific impact of each factor on my score in compliance with Metro 2 requirements. 
3. INSUFFICIENT DISCLOSURE OF CONSUMER RIGHTS ( FCRA Section 609 ) The report does not adequately explain my right to dispute inaccurate information. 
No clear instructions are provided on how to initiate a dispute or the timeline for investigation. 
No explanation of my right to add a consumer statement to my file is included. 
4. ADVERSE ACTION NOTICE DEFICIENCIES ( ECOA/Regulation B ) The report does not provide sufficient information about what specific actions I can take to address the factors that negatively affected my score. 
This violates the spirit of adverse action notice requirements designed to help consumers understand and address negative factors.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you that I was a victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts 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. Here is the list of accounts and information which do not belong to me or were opened without my permission, please remove them as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 have read and according to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from the identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

Hey, XXXX XXXX I performed and sent a receiveable dating XX/XX/XXXX ( Article # XXXX ) which was received XX/XX/XXXX ( Article # XXXX XXXX XXXX XXXX XXXX XXXX ). Which didnt include the assignment form, Opinion of Counsel, and Form of Investment Letter which is attached. Im the beneficiary surety of certificate # XXXX. Although you might hold title, I have equitable interest which is superior to any claim you may have dating back to XX/XX/XXXX. Its your respective duty to act in the interest of the bondholder according to the Act of XXXX. Im politely asking you to carry out your fiduciary duties under the indenture on file in good faith.

According to Registration pursuant to section 424 ( b ) ( 5 ) of the Act of 1933 I understand that Im an investor. XXXX XXXX XXXX XXXX XXXX have agreements with its subsidiaries XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX explains how a pool of motor vehicle retail installment sale contracts are obligations of the Trust only. The sources of funds of the Trust are collections during the Collection Period and charge offs. 

Charge-offs are a source of funding to XXXX, XXXX XXXX and its subsidiaries, but have been a burden to me the Grantor. I provide a certificate, receivable, note, or contract which you deposited and received no valuable consideration.

This is an event of default. This is the beginning of opportunities to be made whole.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX and XXXX XXXX I began receiving at least 10-15 calls and text messages per hour from mortgage wholesale lending companies. Some are aggressive and XXXX.I recently agreed and submitted an application to check what I qualify for to purchase a home and when they pulled my credit report I started receiving unwanted calls and text messages. I was told that credit reporting agencies sell information to these companies. This is disgusting to think my information was shared without my knowledge. 

I have since taken the following action : - Added my phone number to the " Do not call registry '' - Completed the 5-year pre-screen opt-out - Submitted a freeze on my account- I called XXXX and the representative just kept saying she could only see my credit report and was not helpful in telling me how these companies were accessing my information.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX accordance with the Fair Credit Reporting XXXX XXXX Bank Of America XX/XX/XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX has violated my rights. 

15 U.S.C.1681 section 602 A. States that 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 an account with out my written instructions.

15 U.S.C. 1681c ( a ) ( 5 ) States 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 ) 15 U.S.C. 1692C Without the prior consent of a consumer giving directly to the debt collector or express of a court of competent jurisdiction a debt collector may not communicate with a consumer in connection with the collection of any debt.
Product: Credit reporting or other personal consumer reports

XX/XX/year> Experian Information Solutions , Inc . 
XXXX XXXX XXXX XXXX, TX XXXX Subject : Dispute of Collection Account on My Credit Report From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, TX XXXX Email : XXXX Phone : XXXX ( XXXX ) XXXX Dear Experian Representatives, I am writing to formally dispute the accuracy of a collection account listed on my credit report. In accordance with 15 U.S.C. 1692g, under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting verification of this collection account.

Legal Basis : 15 U.S.C. 1692g Validation of Debts The law clearly states : ( a ) Notice of debt ; contents.

Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumer 's written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor.

Under this law, if the debt can not be verified, it must be removed from my credit report. Therefore, I respectfully request that this collection account be validated. If the collection agency can not provide adequate validation, Experian must remove this account from my credit report as required by law.

I have attached a copy of my identification and my credit report for your reference. Please confirm in writing the resolution of this dispute within the legally required timeframe. 

Thank you in advance for your attention to this matter. I look forward to a prompt resolution in compliance with the law. 

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

XXXX XXXX and XXXX XXXX  been playing the fraud game refusing to reveal details and corrupt XXXX XXXX XXXX  taken advantage of the American people just spoke up some truth after five years of inquiry and appears the current XXXX insurance company details attached to my property loan XXXX at XXXX trigger that XXXX XXXX  and XXXX have a third party XXXX XXXXXXXX XXXX  on my account and would require my authorization not his. I am willing to take this to the FBI. BECAUSE IT IS AT THE POINT THAT XXXX XXXX XXXX XXXX, XXXX XXXX, FIFTH THIRD BANK AND XXXX CAN NO LONGER LIE AND CONCEAL YOUR INVOLVEMENT AT XXXX XXXX XXXX WITH SCAMMER XXXX XXXX XXXX so please explain your involvement with the evidence attached and Fifth Third Bank must release my XXXX XXXX  possibly at XXXX XXXX XXXX that XXXX confirmed with me you have XXXX XXXX XXXX.
Product: Money transfer, virtual currency, or money service

i am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency XXXX block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX  on XX/XX/XXXX under the account number XXXX, and a collections account opened at XXXX  on XX/XX/XXXX under the account number XXXX with a balance of {$12000.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the accuracy of information reported by Absolute Resolutions Investments regarding an account allegedly owed to XXXX XXXX XXXX XXXX. I would like to bring to your attention several critical issues surrounding this account, including a violation of the Fair Credit Reporting Act ( FCRA ). 
1.Account Details : Creditor : XXXX XXXX XXXX XXXX XXXX Collector XXXX XXXX XXXX Investments Date of Dispute Initiated : XX/XX/year> Date of Negative Reporting : XX/XX/year> XXXX. Background Information : I initiated a dispute regarding this account on XX/XX/year>, requesting validation of the debt. However, XXXX XXXX XXXX posted a negative remark on my credit report on XX/XX/year>, before the legally mandated 30-day dispute period had expired. This action is not only premature but also constitutes a violation of the FCRA, specifically Section 623, which mandates that furnishers of information must not report information while a dispute is pending. 
XXXX. Lack of Documentation : The documentation I have received, dated XX/XX/year>, does not substantiate their claim. Specifically : here is no contract with my signature indicating that I owe this debt. 
here is no 1099-B form. 
The only items provided were copies of remittance coupons and proof of security purchase, which do not establish my liability. 
4. Request for Action : I am requesting the following actions : An immediate investigation of this matter under FCRA Section 609, which allows consumers to dispute inaccurate information.

The removal of the negative remark related to this account from my credit report due to the violation of the FCRA while my dispute was pending.

Verification of this debt per my original request, as I have not received sufficient documentation proving that I owe this amount.

5. Legal References : I am asserting my rights as a consumer under the Fair Credit Reporting Act, particularly : Section 609 : Right to request information regarding the account.

Section 611 : Procedures for disputing inaccurate information.

Section 623 : Responsibilities of furnishers of information during disputes.

MY PROOF OF ID IS ATTACHED FOR THE CREDIT REPORTING COMPAINIES