23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Today XX/XX/XXXX I received a message about an " Important Business Matter '' from the XXXX XXXX XXXX. Because i was at work at the time and headed to a meeting me intention was to contact them after my meeting was over. before i could, XXXX XXXX ( XXXX ) sent me an email to my job asking me to contact him about an important business matter and that he contacted my payroll department and they were nice enough to provide my company email address. He also quotes a XXXX in payroll gave him the information to contact me. I replied to his email asking him to not contact me at my place of employment and that i would contact him after i was out of meetings of that he could contact me via my personal email or via my home address since i was unaware of what this was pertaining to and have never received information regarding this " business matter '' previous to his call. He then replied to my email 2 times after stating that he could not contact me via my personal email to discuss this and that he would be contacting my payroll department again to have assistance with this information regarding me. He then sent an additional email apologizing for contacting yet again. to which i replied i would be forwarding this information to my attorney.
Product: Credit card or prepaid card

On or about XX/XX/2022 received an offer from TD Bank its stated that if I spend {$500.00} on eligible purchases within the first 90 days of opening account I will receive {$200.00} cash back. I completed the above and applied for this offer however I did not receive my {$200.00} I only received {$150.00} cashback reward. I applied for this offer online and call the bank to request an additional {$50.00} as was stated in their offer. They refused to give me the money. I applied the preferred customer number for this offer. Ive made copies of the flyer that I received and attached to this complaint. I would like to {$200.00} that I was offered.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

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 cause to believe that the information is inaccurate. 

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 : t 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, other than the 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 reporting agency if the person knows or has reasonable cause to believe that the information is incorrect.
Product: Credit reporting or other personal consumer reports

I recently checked my credit report and saw a account reporting that I do not recognize. 

XXXX XXXX XXXX opened XXXX XXXX with no data available. Account # XXXX.
Product: Credit card or prepaid card

From XX/XX/XXXX through XX/XX/XXXX, I was a resident of XXXX XXXX XXXX Due to the pandemic. During this time in my absence somebody gained access to my personal information. Someone made Unauthorized transactions using my USAA XXXX XXXX credit card. I did not have access to my USAA account in XXXX XXXX it does not work so there was no way I could make the transactions. I contacted the bank to inform them of this situation. USAA bank customer service department told me that they would investigate and notify me once they had their outcome of the investigation. As of XXXX, the XXXX XXXX I have not received any e-mail or regular mail regarding this situation the account remains negative. I sent in all my supporting documents and the police report.
Product: Credit reporting or other personal consumer reports

My account with XXXXXXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX XXXX 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 the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused XXXX XXXX  to my reputation, my character, my mode of living and to my XXXX 

I demand the late payment reported on those accounts 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  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: Credit reporting, credit repair services, or other personal consumer reports

This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown accounts from my credit report as soon as possible. 

XXXX  XXXX {$120.00} XXXX  XXXX {$130.00} XXXX  XXXX {$1500.00} XXXX XXXX {$5100.00} XXXX XXXX {$150.00} XXXX XXXX XXXX {$22000.00} XXXX XXXX XXXX XXXX {$12000.00} XXXX XXXX XXXX XXXX XXXX {$1400.00} XXXX XXXX  XXXX {$260.00} XXXX  XXXX {$720.00} BANKRUPTCY CHAPTER XXXX DISCHARGED XXXX {$0.00}
Product: Debt collection

To whom this may concern : There is a debt on my credit report that is not mine the report was opened on XX/XX/year> for the amount of XXXX dollars. The company JEFFERSON CAPITAL SYSTEMS XXXX reached out to me before and I told them I never had an account that concurred with this debt. Yet they never gave me a solution that we could do to get this off my report. They told me it was for a mobile service and the date of the credit are impossible for me because I was with 2 other companies in the time span they gave me. I would like this removed some home because this credit was not me Im not sure how my name is on it weather it was a mistake or someone used my information to open an account
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX and Equifax credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

XXXX XXXX XXXX ( via Chase ) refuses to process the check I sent to pay off my car lease. Its been two weeks since the check was overnighted and they still havent deposited it. Customer Service gives conflicting information about when the check will be deposited, and right now my car is in limbo, still titled to XXXX XXXX XXXX well beyond the lease end. ChaseXXXX has held my money in limbo for an unacceptable amount of time and I am out the cost of overnighting the check which was pointless since they havent deposited it.
Product: Checking or savings account

Bank of America offered a {$300.00} bonus if one started a checking account in the months of XXXX and XXXX, 2021. Part of the stipulation for the bonus was : : " Set up and receive Qualifying Direct Deposits of {$4000.00} or more in that new personal checking account within ninety ( 90 ) days of account opening. 
A Qualifying Direct Deposit is a direct deposit of regular monthly income such as your salary, pension or Social Security benefits, which are made by your employer or other payer using account and routing numbers that you provide to them. Examples of non-qualifying transfers and deposits include the following : teller deposits, wire transfers, debit card transfers, ATM transfers or deposits, Online and Mobile Banking transfers or deposits, or transfers from a bank or brokerage account or Merrill account. '' As I am retired, and as discussed with the person over the phone who enrolled me, essentially all my income is from brokerage accounts, but also social security. As my social security checks exceed $ XXXX, I signed up. An incredible amount of time was spent on the phone, going to the local branch ( which never answered the phone so one had to go in person to find either no bankers or that the branch was closed due to Covid- no fault of BOA ). However, after all these efforts I found out that when switching which bank my Social Security check would be directed to, the Social Security web site states it will take 3-4 months for the switch to occur! This means as most only one qualifying deposit will possibly make the 90 day time allotted, or perhaps none. 

SO, my complaint is that BOA clearly had to know that listing social security benefits WOULD NOT QUALITY, a bait and switch on retired individuals. I don't know how many simply receive a pension, but a qualifying 'salary ' excludes most retired individuals by definition, and by listing XXXX XXXX XXXX XXXX was the BAIT to capture senior citizens. Either their research was incompetent or they ignored this problem when other senior citizens must have called in XXXX with this roadblock, or they decided to intentionally perpetuate this scam. When I called today, I was simply told that it was up to the customer to insure that deposits could be made prior to initiating these new accounts ( BUYER BEWARE ), and that the bank was not responsible for how Social Security is run. I would amend that a respectable bank is quite familiar with money transfers, etc, and only from a position of fraud or a scam would this BAIT been offered.
Product: Credit reporting or other personal consumer reports

I am disappointed to have received a credit report that contains inaccurate information about me. As per the Fair Credit Reporting Act, it is my right to dispute any information that I believe to be incorrect. I take this matter very seriously and I am deeply concerned that these false allegations of delinquency and derogatory information could harm my reputation and financial well-being. 

Although I am fighting back with all my strength, I need your cooperation to resolve this issue. I kindly request you to provide evidence that justifies why my accounts are considered to be in a negative state. It is my understanding that any data included in my file must be documented and validated before it can be used by creditors, as mandated by the law. However, it appears that your records are not meeting these standards. 

I feel let down that you are not doing your job properly, and I am concerned about the potential consequences that this could have on my creditworthiness. Therefore, I am giving you 30 days from now to address this matter and provide me with physical proof of your actions and my updated credit report. 

I hope that everything can be resolved in a timely manner without the need for intervention or escalation. Please provide accurate and verified information for each claim, as the allegations against me are not true. I am deeply disappointed to have to dispute these claims, but I will not let inaccurate information harm my financial well-being. 

Listed below are the Personal Information that are being challenged Incorrect CurrentAddress : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Your agency is in breach of the law! According to 15 U.S.C. 1681 section 602 A, I am entitled to privacy. Furthermore, 15 U.S.C. 1681 Section 604 A Section 2 specifies that a consumer reporting agency may not provide an account without my explicit written permission. Additionally, 15 U.S.C. 1681c. ( a ) ( 5 ) states that no consumer reporting agency is permitted to include any adverse information in a consumer report if the event occurred more than seven years ago, except for criminal convictions. Lastly, 15 U.S.C. 1681s-2 ( A ) ( 1 ) mandates that no person should provide information about a consumer to a consumer reporting agency if they know or suspect the information to be inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that the same account on my credit report was inaccurate when I reviewed it. The 3 credit bureaus must validate this account. It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the inaccurate account that needs to be investigated and updated : XXXX XXXX Balance : {$160000.00}
Product: Credit reporting or other personal consumer reports

Despite several written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be investigated/updated by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not fix these items, 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card or prepaid card

I even lost track years later attempting to resolve this with Chase. I was supposed to be able to use points on my XXXX card on XXXX. That never happened. I erroneously blamed this on XXXX. Today I dug deeper and found that SOMEONE at Chase had entered false information into my points summary. " You've asked us to not share your points for CREDIT CARD ( ... XXXX ) with XXXX. '' This could not be further from the truth! Why call the number on the back of the card? I already called years ago! I should not be forced to be babysitting this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

TRANS UNION CONSUMER SOLUTIONS On XX/XX/2019 I retrieved a copy of my Credit Report, I noticed a collection account being INACCURATELY inserted by XXXX XXXX XXXX Account XXXXXXX on behalf of CREDITOR XXXX XXXX XXXX XXXX. 
This Account has been PAID IN FULL which means you are in VIOLATION of the FAIR CREDIT REPORTING ACT. 
FINANCIAL CREDIT NETWORK has provided me with a letter on their company letterhead verifying that the Account is PAID IN FULL that I will attach with this complaint. 
Not only are you in VIOLATION of the FCRA you are also OUT OF COMPLIANCE WITH METRO 2. Field 17a has INCORRECT STATUS INFORMATION and Field 21 has MISSTATED BALANCE INFORMATION because the Account is PAID IN FULL. 
TRANS UNION. Delete this INCORRECT AND INACCURATE ACCOUNT IMMEDIATELY and update your files. 
As you are well aware it is against FEDERAL AND STATE LAW to report INCORRECT AND INACCURATE INFORMATION on a Consumers Credit Report. 
TRANS UNION. Delete this entry immediately and provide me with a copy of the correspondence sent to the other Credit Bureaus XXXX  and XXXX  directing them to REMOVE this erroneous entry as well.
Product: Debt collection

I logged on my XXXX to see that owed a debt of XXXX to XXXX. It did not have any details on it i tried contacting XXXX regarding the inquiry but that was no success i do not have any active account with XXXX regarding this.
Product: Checking or savings account

I made a mobile check deposit on X/X/2018 in the amount of {$890.00}. I paid a 2 percent fee ( {$17.00} ) for an " express deposit '' allowing the funds to clear immediately. PNC charged the {$17.00} but then still put a hold on the check. I called the next day and asked why and they said the check was flagged as fraudulent, even though I cashed checks from the same payer often and have never had any issues. The check cleared payers credit union within 18 hours, and payees credit union said check cleared normally. 
PNC claims XXXX held check, which is not true. XXXX XXXX XXXX paid check XX/XX/XXXX (  see screen shot of XXXX statement ). 

I am just asking for the refund of my " express deposit fee '' since I did not receive the " express deposit service ''. I paid for the funds to be available immediately but the funds were not. PNC admits this happened but is giving me the run around on a refund ( see screen shots of chat where they admit error and blame XXXX XXXX ). 
PNC at this point refuses to refund the {$17.00} fee. PNC has given me reference # XXXX as tracking for my complaint. Thank you.
Product: Student loan

I graduated as a XXXX  and consolidated my loans. American Educational Services ( AES ) was my loan servicer. I was not able to afford my loans when I began XXXX. I made {$30000.00} one year. My loan payment was over {$800.00} per month. I was told that the only thing that I could do was defer my payment because I could not afford it. I was also told that I did not qualify for loan forgiveness or income based repayment. I paid 35 payments to AES. I moved my loans to FedLoan and started all over. I still have 36 more payments due to FedLoan. I should be done paying my loans if the 35 payments could be counted toward the 120 for Public Service Loan Forgiveness. The loans should have been paid several years ago if the deferments would be counted. 

Please help.
Product: Mortgage

We experienced discriminatory and unfair under calculating of our income. Continuous denials of recipes of documents in support of our application. They can not be reached via calls, emails. They were not open and fair with the whole process. We were getting inconsistent feedback regarding our application among the staffs. 
We were told that we could close within the 30 days and we were assured that it was going to be smooth since all or most documents were already in place. Unfortunately, a week before the closing when they were supposed to deliver a mortgage commitment to the seller, they claimed they had not received an employment verification from my wifes job. Meanwhile, the letter was already in their possession. After much back and forth and lying, they gave a makeshift closing document to our realtor which according to them was not final. Then, a day to closing, they came up with new conditions which had not come up from the time they approved us for a loan. From these, it is clear that we are being used, discriminated against and treated unfairly based on our race, ethnicity and income.
Product: Mortgage

Subject : Inquiry Regarding Wrongful Foreclosure-XXXX  ' In XXXX, I acquired a house mortgage. The address is XXXX XXXX XXXX, XXXX, Texas XXXX. 

Wells Fargo Bank was the facilitator of the mortgage, which in XXXX experienced foreclosure without modification or counseling. The amount foreclosed was {$3500.00}. 

The agency of Consumer Financial Protection Bureau ( CFPB ) on XX/XX/XXXX electronic publication that found Wells Fargo Bank liable for infringing on the Fair Housing Act ( FHA ), Equal Credit Opportunity Act ( ECOA ), and Community Reinvestment Act ( CRA ) that facilitate lending practices. 

Wells Fargo Bank has not communicated with me in regards with taking responsibility for the trouble that caused homelessness. 

I appreciate your guidance. 

Best Regards, XXXX XXXX XXXX XXXX
Product: Credit card

I presently have a credit card with Best Buy ( Citibank is now the lender for this card ). I am presently late with my payment due to a change of salary from my primary employment ( which is struggling ). The issue I encountered with the bank is this morning they contacted my parents home asking to speak to me regarding my credit card. My mom who just was released from the hospital after a month took the call. First of all I do not live at my parents home. My application DOES NOT have my parents number listed as a contact. I do know how they obtained this number. I have been a customer of Citibank for approximately 18 years - holding several checking accounts with them. This branch went into my personal banking files where I know I listed my parents as a reference. I understand a credit division has the right to contact me in this instance, but I DO NOT feel they have the right to " fish '' into my personal banking information and obtain a family members number. Is n't this against the Fair Debt Collection Practices Act? I would appreciate any investigation into this matter. Thank you.
Product: Credit reporting or other personal consumer reports

Im really upset to find unauthorized inquiries on my credit report tonight. Im baffled by how they appeared out of nowhere. I even refreshed the browser, hoping it was a glitch, but the problem remained. I urgently need the documents I sent to be thoroughly reviewed so I can put this worry behind me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Bank of America ran my credit on XX/XX/2022 and it showed up on XX/XX/2022 I do not have a Bank of America account and I did not authorize this. I tried calling and spent 55 minutes being transfered back and forth with no help.
Product: Mortgage

Applied for a Veterans refi with Quicken loans. After in-depth review my wife and and I got cold feet and advised Quicken ( several departments ) that we were not going ahead with the loan. 

Several weeks went by and then they ran the {$400.00} appraisal charge against our credit card. No appraisal was ever ordered, attempted nor completed. 

We have contested the charge with the credit card company. 

Loan # XXXX