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

This creditor engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. According to XXXX XXXX XXXX it is a billing error I did not receive a statement 21 days before the late payment error. If finance charge included, there should be no late payments pursuant 15 USC 1605 ( a ) due to finance charge bring sum of all charges so I can not be penalized for something that is already paid in full.
Product: Money transfer, virtual currency, or money service

On XX/XX/year>, I encountered an error while attempting to use Bank of AmericaXXXX to pay for a moving service. The XXXX service was down apparently, and due to the XXXX issue, I had to use a credit card from my XXXX account to pay for the moving service and encountered an additional fee of {$63.00} when having to make the payment using a credit card. 

I have screenshots of the original attempted payment, the message from XXXX stating, " Sorry, this service is unavailable '', and screenshots of the successful payment using a credit card showing an amount {$63.00} higher than my original attempted payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 

XXXXXXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXX  XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXX XXXXXXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXX XXXXXXXX Date opened XX/XX/XXXX Balance : {$850.00}, XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX I, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$3700.00}, XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance : {$3100.00}, and XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}. 

If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report in and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

On XX/XX/XXXX, I deposited a cashier 's check in the amount of {$45000.00}. After a period of 7 days, the check was successfully cleared. However, despite this clearance, US Bank placed a hold on my account on XX/XX/XXXX without providing any reasons or timeline for the hold. When inquiring about the situation, the branch informed me that the hold was implemented by the back office, yet when contacting customer service, I was told it was the decision of the branch. Furthermore, I have lodged a complaint with the Consumer Financial Protection Bureau ( CFPB ) under case number XXXX. 

On XX/XX/XXXX, I received a reply from a US Bank employee named XXXX who assured me that I could fully access my funds. However, upon contacting US Bank customer service, I was informed that my account remains restricted, and I still can not access my funds. There has been no provided timeline for resolving this issue. 

As a result, I am facing significant financial strain as I urgently require access to my funds for daily expenses and to sustain myself. I am deeply troubled by the lack of clarity and prompt resolution in this matter and urge US Bank to swiftly address and rectify this issue so that I may access my funds and continue to meet my financial obligations. 

I urge US Bank to promptly address this discrepancy and provide a clear timeline for resolving the problem so that I may regain access to my funds without further delay.
Product: Debt collection

XXXXXXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX was tasked with validating the records associated with this account but failed to do so. The requested information included : A copy of the agreement granting authority to collect on this alleged debt. 
A signed agreement where I explicitly agreed to pay the creditor. 
Details of any insurance claims filed by the creditor regarding this account. 
Documentation of any judgments obtained by the creditor related to this account. 
The name and address of the alleged creditor. 
The name associated with the alleged debtor. 
The alleged account number. 
The address on file for the alleged debtor. 
The total amount of the alleged debt. 
The date the alleged debt became payable. 
The date of the original charge-off or delinquency. 
Verification that the debt was assigned or sold to the collector. 
A complete accounting of the alleged debt. 
Details of the commission the debt collector would earn if collection efforts succeeded. 
The method used to verify and validate this information. 
None of this information was provided. Additionally, XXXX XXXX  XXXX XXXX manipulated data originally present in my file. The attached documents show that the initial account was linked to " XXXX XXXX XXXX XXXX XXXX, XXXX, Illinois. '' After this information was confirmed to be fraudulent, XXXX XXXX  XXXX XXXX altered the document file to " XXXX XXXX XXXX XXXX XXXX XXXX, Illinois. '' This missing information, combined with the deliberate manipulation of my consumer data for corporate benefit, constitutes violations of the Fair Credit Reporting Act ( FCRA ) and consumer rights laws, specifically 611 ( 15 U.S.C. 1681i ), which pertains to the treatment of inaccurate or unverifiable information. 
Because the information required for account accuracy validation has been manipulated and is, therefore, invalid, XXXX XXXX  XXXX XXXX is obligated to delete the account and any related connections to my personal information.
Product: Credit reporting or other personal consumer reports

ACIMA refuses to recognize their violations pertaining to the unauthorized use of my credit card, aka, my social security number. I am writing to you all with regards to the unauthorized use of my credit card. A credit card is defined as : any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. In this context, my social security card and/or driver 's license are credit cards. A credit card is ANY card existing for the purpose of obtaining money, property, labor or services on credit. My credit card was issued by the US government through the XXXX XXXX XXXX, therefore, any and all unauthorized use will be considered a violation under 15 USC 1602 ( p ), 18 USC 1028 ( a ) ( 7 ), and the FCRA.
Product: Credit reporting or other personal consumer reports

Hello i recently look to my credit report and i was shocked to see that i have been victim of identity theft, i found on my credit report fraudulent account, that i want to dispute, i am in the process to buy a new car but this fraudulent information harm my credit report. 
XXXXXXXX XXXX : opened XX/XX/2022 XXXXXXXX XXXX XXXX Account number XXXX XXXXXXXX XXXX : Fraudulent Charges {$29.00}
Product: Credit reporting or other personal consumer reports

The following collections are reporting a debt for a collection that is inaccurate XXXX XXXX XXXX XXXX whose original creditor was XXXX XXXX  XXXX $ and XXXX XXXX XXXX XXXX XXXX $ .These following accounts have violated my rights. 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 an account without my written instructions 15 U.S.C1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Product: Student loan

Nelnet, has reinstatement my loan without any notice or any right to appeal. Nelnet, has not re-disclosed my terms of the loan. Nelnet, has not fully disclosed terms under Reg Z. Nelnet has violated the Americans with Disablity Act by reinstated my loan againist the doctors order.
Product: Debt collection

Threatened of being taken to jail. 
I was embarrassed and scared and paid what they wanted me to pay. I did stop the auto draft and planned on working out a payment arrangement ; they were not willing to work with me. They sent to collections and almost a year later, I received a voicemail at work threatening legal action against me. The next day I called them back and they said a constable was coming out with a warrant for my arrest.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX, my TransUnion FICO score dropped from XXXX to XXXX and has since declined to XXXX by XX/XX/XXXX. I called TransUnion on XX/XX/XXXX to understand why my score dropped. The customer service rep and manager said that my dropped because of my " delinquent '' ( closed ) account from XX/XX/XXXX, and that I have several student loan accounts that recently have been closed. 

I explained to the manager that I paid-off the loan on that delinquent account back in XX/XX/XXXX/XX/XX/XXXX and that my score was previously impacted by the delinquency in XX/XX/XXXX/XX/XX/XXXX/XX/XX/XXXX. They responded that the TransUnion algorithm can choose to re-include that account in my FICO calculation. This effectively penalizes me multiple times for one delinquency. 

Regarding the student loan accounts, the manager said that I am being penalized because those accounts were closed. I explained that I paid-off all my student loans, that is why those accounts are closed ; I went on to explain that paying off my student loans makes me more credit worthy and confused why that would negatively impact my FICO score. 

They offered no resolution for my above arguments.
Product: Credit reporting or other personal consumer reports

XX/XX/year> Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against TransUnion 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/year> and XX/XX/year>. 

Nature of Complaint : I submitted a dispute to TransUnion 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 : Payment Made on Time : I made the payments for XXXX and XX/XX/year> before the due date, but due to a delay in processing by XXXX, it was recorded as late. I have attached bank statements and payment confirmations that show the payment was made on time. 
Clerical Error : There was a clerical error on XXXX XXXX  part, which they acknowledged, but the correction has not been reflected on my credit report. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, TransUnion 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 card or prepaid card

I had been trying to applied for a citi bank credit card since last year, on Sunday XXXX XXXX XXXX I tried to applied for a credit card over the phone. And still got denied. I truly do n't understand why because I have an excellent credit score history. I called once to Citibank and all they told me was that I had too many credit card accounts open. Which is not true. I think their policy and procedures of getting a credit card with citi bank is horrible. I would like to get a more depth explanation of why I had been denied multiple times in getting a credit card? I will appreciated it
Product: Credit reporting or other personal consumer reports

This account does not belong too me. This account belongs too my sister XXXX XXXX XXXX I reside at the same address for XXXX  years now and can provide proof and documentation .This account needs to be removed immediately before I seek legal action.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has failed on multiple occasions to properly conduct and investigate/re-investigate errors on my credit report over numerous attempts sent to them by certified mail. Specifically failure to correct incorrect and unverified information. As of XXXX XXXX the following bellow unverified/re investigate requests have not been properly made by Equifax XXXX XXXX XXXX Date open XX/XX/XXXX to date of last payment XX/XX/XXXX they are not reporting any of my on time payments for this period. In fact the only thing being reported in the five year period is 30 days late in XX/XX/XXXX which is incorrect and unverified. 

XXXX XXXX This account was paid through XXXX XXXX  the previous bank that owned the account. I have asked the creditor and the credit bureau to provide physical proof of this debt on numerous occasions and they have failed to verify this information but continue to report it as unpaid and charged offed despite it being unverified. None of my on time payments are showing on this account. 

XXXX XXXX XXXX The payments on this account have been changed over and over. It had showed all payments on time after disputed and then it changed again to show negative payment history. The reporting has been inconsistent over the several months that I have been trying to get in corrected. Each time Equifax says the account has been verified. Clearly it is unverified because the payment history changes every month. 

XXXX XXXX XXXX date open XX/XX/XXXX date closed XX/XX/XXXX Failure to report any on time payments in this time frame. Incorrectly reporting past due payments. Failure to provide physical verification as requested. 

XXXX has sent a letter requesting an inquiry on XX/XX/XXXX be removed due to the fact that is was not authorized/ run in error and they still have refused to correct my report. 

These errors are negatively affecting my credit score, my ability to obtain credit, and my reputation. 

Equifax has had more than enough time to correct or delete this information. According to the FCRA they continue and knowingly are in violation and can be held accountable for actual and punitive damages. 

I demand that these specific and unverified information be corrected immediately!
Product: Credit card or prepaid card

On XX/XX/XXXX, I sent a package thru XXXX XXXX {$49.00} I asked for a copy of person receiving package in late XXXX and disputed the charge in Chase internal dispute action. 

XX/XX/XXXX, I never heard a reply from Chase as to evidence of delivery receipt as package has been misdelivered or stolen. 

I aksed for credit of my postage delivery for services not rendered. I received a credit in late XXXX and then in late XXXX Chase surreptiously rebilled purchase dated XX/XX/XXXX on XXXX statement without any explanation, copy of receipt I asked I urge Chase to re-credit me {$49.00} for this charge and again ask for any receipt as to where delivered or whereabouts of my package
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX has violated my rights. 

Under 15 U.S.C 1681 Section 602 states I have the right to privacy.

Under 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.

Under 15 U.S.C 1666b : A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is taking forever to dispute ... ... ... over two months
Product: Credit reporting or other personal consumer reports

I have discovered an unauthorized account on my consumer report, prompting me to file a report with the Federal Trade Commission ( FTC ) .My grievance is directed towards Experian, XXXX XXXX XXXX for infringing upon my consumer rights by including these accounts on my credit report. I strongly believe that this situation exploits me and I seek resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

Back in XX/XX/XXXX and XX/XX/XXXX I noticed inaccurate information on my account due to identity theft. I have been fighting with the 3 credit bureaus XXXX, Experian and XXXX  to remove these accounts but they have to respond.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I was a victim of identity theft and this is another request to block or remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts not later than 4 business days after the XX/XX/2022 Ive already included this report in my previous letter & I am including it again. Also, the information you provided on the accounts are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 



XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX
Product: Payday loan, title loan, personal loan, or advance loan

This issue has been ongoing - the last communication stated that the company is aware of the issue, and is trying to fix it. 
it has been more than 45 days and the issue has not been fixed, nor has the company reached out to me with an update in the last 30 days All I have been given is multiple case ID numbers from Affirm and their partner XXXX XXXX Affirm Case ID XXXX Shop Pay Ticket XXXX The last communication I received was on XX/XX/18 Hello XXXX, Thank you for contacting Affirm regarding XXXX XXXX  installments. 

My name is XXXX from Affirm Customer Care and I will be more than happy to assist you today in regards to your application inquiry. 

Upon checking your account I can see that you have been trying to make a purchase using your XXXX XXXX account. The investigation about the status of your account seems to be still going. 

Taking into consideration, you had an account with XXXX XXXX in the past and this account is associated with your phone number and email address, we are currently working to ensure you have access to your account as soon as possible. 

Also, something to take into account is that capital letters do not make a difference in email addresses, which means using your credentials to access or regain access to your account should work in this scenario. 

Please note, if you had an account in the past and you try to use the same information to create a new one, this might result in an error in our base data. 

We appreciate your patience on this matter and we are working hard towards this request. 

If you have any questions or concerns, please call us at XXXX from XXXX XXXX to XXXX XXXX CST seven days a week or contact us at XXXX. 

Regards, XXXX XXXX XXXX XXXX XXXX Installments Customer Care Originated and Serviced by Affirm XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to request the immediate blocking and deletion of the accounts listed below as I have been a victim of a data breach. This request is made in accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). 

Accounts to be Blocked and Deleted : XXXX - XXXX - XX/XX/XXXX - {$1000.00} XXXX - XXXX - XX/XX/XXXX - {$1200.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$780.00} XXXX - XXXX XXXX XX/XX/XXXX - {$780.00} XXXX XXXX XXXX - XXXX XXXX XX/XX/XXXX - {$450.00} XXXX - XXXX - XX/XX/XXXX - {$620.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$1100.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$430.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$1000.00} XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$1200.00} XXXX XXXX  XXXX XXXX - XX/XX/XXXX - {$430.00} XXXX XXXX  - XXXX - XX/XX/XXXX - {$1100.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$450.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$1900.00} XXXX  XXXX - XXXX - XX/XX/XXXX - {$620.00} XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX  - XXXX - XX/XX/XXXX - {$1600.00} XXXX - XXXX - XX/XX/XXXX - {$24000.00} XXXX - XXXX - XX/XX/XXXX - {$790.00} Inquiries : XXXX - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15 U.S.C 1681 section 602 A . States I have 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.