23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

In XX/XX/2020 I moved from the home owned at the time by XXXX XXXX. Due to foundation issue and flooding I was promised to be removed out of that home into another XXXX  property by The Supervisor at the time XXXX XXXX because the home was no longer in living conditions due to molding and the walls detaching from the home. My children had to undergo XXXX stay because of the molding. XXXX XXXX and myself were in argreement that me and my family will be moved and placed in another home, especially with a child with XXXX XXXX XXXX and a XXXX XXXX XXXX After the let down and my family being displaced. I later found out that they are alleging I owe a sum of {$12000.00}. I reached out to an attorney who also wrote them. Which the attorney didnt receive no correspondence. I have over the amount of evidence from pictures, statements by the insurance company, emails from XXXX, and etc. When we reached out to them for the last time they said the no longer owned the debt because the home was sold to another company but yet its still reporting on my credit. Its reporting false information and is violating the fair reporting act.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Experian regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue.

Account Information : Creditor 's Name : XXXX XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

Nature of Complaint : I submitted a dispute to Experian disputing a late payment reported by XXXX  XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Date of Payment Processing Error : The late payments were reported incorrectly due to a processing delay by XXXX  XXXX that resulted in the payment being recorded late, even though the payment was initiated on time. 
Inconsistent Reporting Across Bureaus : The payment dates and statuses reported by XXXX, Experian, and XXXX are inconsistent, further indicating a discrepancy in the handling of my account information.

Evidence provided : Bank statements showing payment initiation dates.

Payment confirmations from XXXX  XXXX showing on-time payments. 
Correspondence with XXXX  XXXX acknowledging the payment processing delay.

Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Experian has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report.

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being.

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act.

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting

Equifax report shows XXXX line of credit account as open, this was closed last year.
Product: Money transfer, virtual currency, or money service

A total of over XXXX dollars was compromised out of my checking out plus mote starting all the way back in 2022. XXXX XXXX only allowed me to dispute the transaction up to 11 months. My debit card was compromised and added to a XXXX  account which wasn't my account the account owner wasn't authorized to use my acct nor did I share any of my banking information with anyone or authorize anyone to use my debit card. My acct have been hacked or compromised for almost XXXX years or more and XXXX federal never verified me of the transactions that was been made on my account. They also let some over draft my account after the hacker had overdrafts my account they still let them keep making additional overdrafts in large sums of money. I have spoke to them about this problem and situation and they have now stop all my banking activity like I am the suspect when they know their the one that is in fault and failed to protect my personal information as well as my money and allowed someone to breach the illegal activity that they was compromising on my account. They are 100 % responsible for this activity and I want them to be held accountable for their actions as a banking institution in whole
Product: Checking or savings account

My deposit is being held AGAIN for over XXXX days and I want to know the penalty they will receive for doing this illegal XXXX AGAIN!
Product: Debt collection

XXXX XXXX XXXX XXXX ( XXXX ) called me from XXXX trying to collect on a debt I had already settled with a different collection agency over a year prior. When i asked for an explanation of benefits i was told that they could not give it to me because of hippa laws. They did send me an email with a pdf attachment showing the amount owed and who i originally owed it to but no explanation of services rendered or anything. The email they sent from was " XXXX '' They kept telling me that i owed XXXX to the hospital. I told them that i already paid off that debt. I sent them the offer letter given to me by the other collection agency when i paid it off along with the confirmation number associated with the payment. I also have the bank records to show that the payment went through. They said it was a different debt for the same EXACT amount from the same provider. I said that was extremely suspicious and told them i would need to call the hospital to verify what they were saying. I asked XXXX to provide me with the account number they had on hand from the hospital. It was a different account number than the one i had paid off. when i called the hospital they had no account tied to the number XXXX had given me. I believe they intentionally gave me a fake account number. The hospital had also stated that I only had one account on file with them and that it was settled in full and is closed out. I called XXXX back to explain the account number they gave me was invalid and that the hospital verified I no longer owe them any money and that they should check with the hospital to verify. He told me would not verify anything with them and that he was just going to report me to the credit reporting bureau. So they refused to verify the debt with the other collection agency who could show them its paid off as well as the hospital that showed the same thing.
Product: Credit reporting or other personal consumer reports

I told the XXXX, XXXX, and Equifax to reinvestigate the multiple Bankruptcy that are listed on my Public records as this information has been updated and all XXXX XXXX Bankruptcies has been removed from my XXXX Consumer report dated XX/XX/2023 case number : XXXX. There is only a XXXX XXXX that is reporting which is also back in dispute with XXXX as of XX/XX/2023. However, they stated everything was completed and accurate. But how is that possible if the Courts don't report anything to any credit report agencies, and their source XXXX has remove the information from my report. The reporting requirements do not comply with FCRA 611 ( 15 U.S.C. 1681I ). and the information must be deleted immediately. 

I have evidence to prove my case.
Product: Credit reporting or other personal consumer reports

Over the past few months I have noticed several accounts that I do not recognize reporting to my consumer report. Ive reported this issue to all XXXX of the credit bureaus more than twice and no action has been taken.
Product: Credit card or prepaid card

In XX/XX/2020 among few purchases on XXXX with my Discover XXXX card Ive ordered XXXX XXXX XXXX for the {$160.00} which was successfully delivered to my business address in New York , located at XXXX XXXX XXXX XXXX XXXX XXXX  NY XXXX. Unfortunately, during the inspection of the item right after arrival Ive discovered that it looks and performs way different from what was described, on top of that it didnt seem authentic XXXX XXXX product. Therefore, Ive requested a return and a refund within XXXX XXXX 30 Days return. XXXX authorized this return with XXXX XXXX XXXX associated with provided XXXX Return Shipping label XXXX ( SEE COPIES ATTACHED ). The tracking information associated with this label indicating that item was successfully returned back to XXXX facilities, located in XXXX, KY as of XX/XX/2020. Later Ive received an email from XXXX confirming the recipience of the item and that I should expect a refund being issued back to my account, however I didnt see it being posted back. 

Ive thoroughly reviewed documents, provided in merchants rebutting and would like to point your attention to the facts in these papers, such as. In each .pdf XXXX shows that the return tracking numbers are matching the return tracking numbers attached by me and shows successful return of packages FROM NEW YORK STATE ( where Im located ) TO KENTUCKY STATE ( where XXXX facilities are located ). In all of these pdfs you can see phrase return requested true altogether with a tracking description matching previously attached by me documents. Additionally, merchant attached copies of the original tracking information in the bottom of the rebutting documents, proving my address in New York and confirming the fact of the original deliveries, which Im not rebutting.
Product: Checking or savings account

I WOULD LIKE TO WHY TD BANK IS RESTRICTING AND THREATING TO CLOSE MY ACCOUNTS.I WOULD LIKE TO KNOW THE REASON WHY.I HAVE A RIGHT TO KNOW WHY ACCOUNT IS BEING CLOSED OR BEING THREATENED TO BE CLOSED. 

I WILL BE FILING A FEDERAL CLASS ACTION LAWSUIT BECAUSE OF THIS MATTER. 
I WILL BE FILING A LAWSUIT BECAUSE TD BANKING PRACTICES ARE UNETHICAL MANIPULTIVE AND DECIEVING. 

DUE TO THE MY ACCOUNTS BEING RESTRICTED.I WAS UNABLE TO TRAVEL TO FLORIDA AND BUY THINGS NEEDED FOR DAILY LIVING ... ..THIS IS VERY STRESSFUL AND DEPRESSING.I AM CONSIDERING THIS DISCRIMINATION.WHAT DID I DO TO GET MY ACCOUNTS RESTRICTED AND THREATHENING TO BE CLOSED. 

I WOULD LIKE AN EXPLANATION TD BANK IS NOT AMERICA 'S MOST CONVENIENT BANK. 
THEY MAKE VERY INCONVIENIENT FOR THE CUSTOMER. 
I WILL SEE THEM IN COURT, I WOULD TO BE COMPENSATED FOR THIS MISERY
Product: Checking or savings account

I opened a new checking account with Capital One in XX/XX/2021, using a {$400.00} bonus offer if two electronic ACH deposits totaling {$1000.00} were made to the account within 60 days. Both deposits were made in a timely fashion, but Capital One will not pay the bonus because they say the transactions were not " initiated '' from the other financial institution. I was told through multiple conversations with Capital One reps on the phone both in XXXX and in XX/XX/2021, that I qualified for the bonus amount. However, when I did not receive the bonus as promised, I contact them and they are refusing to pay. Their advertising material for the bonus offer does not stipulate the transactions must be initiated from the other institution and is extremely unclear and misleading. I received written notification from Capital One they have denied my request to have them pay the bonus in accordance with the terms of the offer.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act this creditor, has violated my rights under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604A section 2 it also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 USCS 1666B a creditor may not treat a payment on a credit card account under an openend consumer credit plan as late for any purpose. 

Please remove any latte payments from my credit report for the following : XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX Date of Birth : XX/XX/1995 SS # : XXXX Dear Sir/Madam, I am writing to file a formal dispute regarding the inaccurate and unverified entries on my credit report, and to request your assistance in enforcing my legal rights to accurate credit reporting. I believe that the following entries on my credit report violate specific sections of the Fair Credit Reporting Act ( FCRA ), and I am seeking resolution in accordance with the law.

The inaccuracies pertain to the following accounts : 1. Creditor : XXXX XXXX  Account Number : XXXX Violation : Violation of FCRA Section 611 ( a ) ( 1 ) ( A ) - Accuracy of Information Reported. 
Violation Details : The account name and number provided by XXXX XXXX are questionable and lack clarity. This discrepancy has generated confusion and concern on my end. 
2. Creditor : XXXX XXXX Account Number : XXXX Violation : Violation of FCRA Section 611 ( a ) ( 1 ) ( A ) - Accuracy of Information Reported. 
Violation Details : The account name and number provided by XXXX XXXX are similarly questionable and lack clarity. This inaccuracy has raised doubts about the validity of this entry on my credit report. 
These inaccuracies have had a profoundly adverse impact on my life. Allow me to share a personal story that underscores the emotional toll of dealing with erroneous credit reporting. As a single parent working tirelessly to provide for my family, I have always maintained a diligent approach to my finances. My credit history has been a source of pride, a reflection of my commitment to financial responsibility. However, the appearance of these questionable accounts has shaken my confidence in my financial standing. I recently applied for a mortgage to secure a stable home for my children, only to face denials and unfavorable terms due to these discrepancies. The ensuing stress, disappointment, and heartache have taken a toll on both my mental and emotional well-being. 

In light of the aforementioned violations and their deeply distressing repercussions, I implore your intervention. I kindly request that you enforce the legal provisions outlined in the FCRA, including Sections 611, 623, 611 ( a ) ( 1 ) ( A ), and 623 ( a ) ( 8 ), and direct the creditors to either substantiate and clarify the account information in question or remove the unverified accounts from my credit report entirely. This step is not only necessary for the accuracy of my credit history but also for the emotional peace of mind that has been severely compromised. 

I eagerly anticipate your prompt action in this matter. I believe that through your intervention, justice will prevail, and I will be able to continue pursuing financial stability for the well-being of my family. 

Thank you for your time, attention, and dedication to upholding consumer rights. 

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

To whom it may concern, i have submitted the bureaus to remove the following information on the dates listed ; XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and along with last sent on XX/XX/XXXX. i have yet to receive any details from all XXXX bureaus on status on these accounts below. it is effecting me an moving forward in purchasing a home. 


Creditor : XXXX XXXX XXXX XXXXReason : The 7 -year reporting period has expired on this account, Please remove XXXX EXPIRED XX/XX/XXXX Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXXReason : This is being reported twice, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX please remove immediately Creditor : XXXX XXXX XXXX XXXX XXXX XXXXReason : I need to see the docs that the creditor sent to you that were used during the investigation to make the determination that this account is accurate. No proof? Then you can not report Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXXReason : This Account is not mine, Creditor does not own debt Remove from my account immediately
Product: Credit reporting or other personal consumer reports

I am formally disputing the following late payment entries on my credit report : XXXX XXXXXXXX These entries are incorrect and do not accurately reflect my actual payment history. I have made multiple attempts to get these discrepancies investigated and corrected, yet no meaningful action has been taken. Despite providing all necessary documentation and following up several times, these errors remain unresolved. This ongoing issue has caused financial stress and has taken a serious toll on my well-being. Dealing with these inaccurate entries has been frustrating and exhausting. 
Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that accurately represents my financial history. This includes the prompt correction of outdated or incorrect information. I urge you to take immediate action to update or remove these late payment entries, as failing to do so is a direct violation of my rights under federal law. 
I appreciate your prompt attention to this matter and expect a resolution as soon as possible.
Product: Credit reporting or other personal consumer reports

Complaint Type : Credit Reporting - Incorrect information on your credit report Issue : Dispute investigation by credit reporting company didnt fix error Complaint Details : I am filing this complaint regarding inaccurate and unverifiable information reported on my credit file by XXXX. Despite multiple disputes submitted to XXXX, no verification or validation has been provided as required under the Fair Credit Reporting Act ( FCRA ). The details of the accounts in question are as follows : XXXX XXXX Account ( XXXX XXXXXXXX ) Conflicting statuses : " Closed at credit grantor 's request '' and " Charged off '' Credit usage shows 100 %, with a balance ( {$440.00} ) exceeding the credit limit ( {$300.00} ) Missing payment history from XXXX to XX/XX/XXXX XXXX has not provided any validation documents from XXXX XXXX XXXX XXXX Account ( # XXXX ) Reflects XXXX late payments without clear documentation or explanation Reports a past-due amount of {$160.00}, despite a highest balance of {$190.00} Misleading status : " Closed at credit grantor 's request '' but still reported as past due No documentation validating the account details has been provided XXXX Account ( XXXX XXXXXXXX ) Discrepancies : Account lists a credit limit of {$300.00}, a highest balance of {$0.00}, and " XXXX through Bankruptcy XXXX XXXXNever Late '' Missing payment history from XXXX to XX/XX/XXXX The status shows " Completed investigation of FCRA dispute - consumer disagrees, '' but no substantiating documents were provided As a victim of the Equifax data breach, I believe the inaccuracies may also stem from identity theft or fraudulent activity. 

FCRA Violations : 15 U.S.C. 1681i ( a ) : Experian has failed to delete or verify the disputed information within the required 30 days.

15 U.S.C. 1681e ( b ) : Experian has not ensured maximum possible accuracy in reporting these accounts.

Case Law Reference : In XXXX XXXX XXXX XXXX ( XXXX ), the court ruled that credit reporting agencies can not rely solely on data furnishers and must conduct their investigations. XXXX has failed to comply with this precedent.
Product: Credit reporting or other personal consumer reports

Having reviewed my credit report, I've detected inaccuracies and signs of fraudulent activity in the listed accounts. I am profoundly dissatisfied with this discovery and insist on the immediate removal of these inaccurate accounts After examining my credit report, I've observed inaccuracies and indications of fraudulent activity within the listed accounts. I am deeply dissatisfied with this finding and demand the immediate removal of these inaccurate accounts.
Product: Credit card or prepaid card

I went to pay my

CITI card by phone. I have done this multiple times before. I wanted to make a one time payment. Before doing so I reviewed the terms on the statement for payments by phone. The terms were : For phone payments you authorize CITI to electronically debit your specified bank account by an ACH transaction in the amount and on such date that you indicate on the phone. YOU ALSO AUTHORIZE CITI TO AUTOMATICALLY DEBIT YOUR SPECIFIED BANK ACCOUNT EVERY MONTH, in the amount and on the same date each month you indicate on the phone until you withdraw your authorization. I called to make the payment and was routed to a automated system. One of the first things the system indicated was " you are agreeing to the payment terms on the statement. '' I hung up and
did not pay. I then called and spoke to a representative named XXXX. I

went over the terms and asked if it was correct that if I made a phone payment I would be enrolled in auto pay. She said no despite what the terms clearly state. She said I was not enrolled in auto pay and accepted a one time payment from me over the phone. At least I hope that's the case. The credit card terms should make clear that one time payments by phone can be made and not be forcing people to enr oll in autopay just because they are making a payment by phone.
Product: Checking or savings account

Every single week for the past 6 weeks, my direct deposit has gotten later and later and later. I work for a big company where payroll is done the exact same time every week by the same team. 

We are now in a week where I'm being told " Wed appreciate if you'd just wait a bit '' when I inquire about my deposits that were supposed to already have been in my account. 

What is going on over at Chime?
Product: Checking or savings account

On XX/XX/2020 an unknown person accessed my online banking account, created themselves as a " Payee '' and was able to send themselves {$9400.00} without any type of alert or caution from Huntington. This fraudulent transaction was noticed by me XXXX, on this date I filed a report with Huntington that this transaction was not made to anyone I know and was not done by myself. Since the initial report I have followed up 6 times with Huntington customer service ; since those correspondences I was told that my case was closed without ever consulting myself, unable to speak with the researcher working on the case, and indirectly accused of attempted fraud. Huntington Bank has made little effort to work with me as a victim of fraud, has failed to be an advocate for me as a long time customer, and has been negligent in their handling of a case in which their own system allowed a fraudulent transaction.
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 Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : US DEPT ED Account Number : XXXX Account Name : US DEPT ED Account Number XXXX XXXX Account Name : US DEPT ED Account Number : XXXX Account Name : US DEPT ED Account Number : XXXX Account Name : DEPTEDXXXX Account Number:XXXX Account Name : DEPTEDXXXX Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.