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

I attempted to close my Best Buy XXXX card in late XX/XX/XXXX/early XX/XX/XXXX, when the card was paid off in full. There was a zero dollar balance on my card, and I closed it using the automated system offered by Citibank ( holder of the card ). I was hesitant to use the automated system, so I immediately called back and got a Customer Service Rep to confirm that the account was, indeed, closed. Confirmed. Closed. 

However, the company continues to email me " statements '' with the last 4 digits of the account number and my zero dollar balance info. I have called the company numerous times to verify that the account is closed, and each time they tell me yes, the account is closed. When I ask why they are still sending me emails with my " Best Buy XXXX Card Statement '' each month and ask them to stop sending the emails, they brush me off and tell me it takes a while for their system to update. XXXX months? 

I am concerned that anyone could still access this account, as it does not appear closed by the emails that I am getting. And since I no longer own the credit card, and I am not checking statements regularly, I am further concerned at the risk of identity theft. Why am I still getting emails from this company with my statement information if the account is closed?
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  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 and XX/XX/XXXX. 

Nature of Complaint : I submitted a dispute to Experian disputing a late payment reported by XXXX 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 : Bank Processing Delay : My payment was made on time, but a delay in XXXX  XXXX XXXX internal processing led to the payment being marked as late. I have attached my bank statement showing the payment date and transaction details to support this. 
XXXX XXXX : XXXX  XXXX  XXXX XXXX XXXX XXXX had a technical error, which caused the payment to be marked late despite the payment being submitted before the due date. This has been acknowledged by their support team, and I have included documentation of this interaction. 
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
Product: Credit reporting, credit repair services, or other personal consumer reports

The negative point drop with XXXX and XXXX point swings for no reason its the second time I have noticed it and in a month it will go back up but not the total that was subtracted there credit reporting is out of control Not sure if companys actually look at there numbers but its really unfair
Product: Checking or savings account

During XX/XX/XXXX joint checking accounts held by my ( late ) Father and me were compromised by a home healthcare worker. She fraudulently gained access to the accounts and obtained a debit card while my Father was dependent and suffering from XXXX. XXXX  debit card transactions were executed in 20 months valued at {$57.00}, XXXX. No receipts have ever been produced for this activity. In addition, the homecare worker forged my Fathers name to at least 48 checks identified as forged by a nationally recognized handwriting expert. 

An account valued at {$270000.00} was overdrawn in 15 months due to debit card conversion and forged checks. Statement delivery to the account owners during this period was prevented by mail interception and password changes to online access. Further, the conservator refused to turn over the bank statements preventing discovery. Fraudulent activity was discovered after statements were subpoenaed in XX/XX/XXXX.  Bank was notified in XX/XX/XXXXand has thus far refused to acknowledge any role in enabling the forgery and fraudulent debit card activity. 

TD Bank is responsible for granting access to the account to a person with a history of writing bad checks off TD Bank without proper legal documentation. They failed to identify obvious check forgery and failed to notify the account holder when the velocity and amount of transactions exploded. The fraudulent activity was reported soon after it was discovered yet TD Bank has refused to acknowledge their responsibility sighting OCC rules regarding reporting forgery and debit card fraud. Contemporaneous reporting was impossible because of the suppression of the statements by the guilty. Further, the primary account holder was elderly, lived in a dependent state and suffered from XXXX making it impossible to review and report the activity.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion refuse the remove old accounts from my credit report which is seriously affecting my credit score. First there are two derogatory marks on my credit report. I tried many times for the past three years to get them remove with no success. Second you can only dispute one of these account for both accounts coincide with one another, but they are two separate accounts. Once is XXXX XXXX XXXX anXXXX XXXX XXXX XXXX ( separate types of companies and balances ). I explain them when this account was open my identity was stolen twice and I was in the hospital XXXX XXXX XXXX from a serious illness. Also, according to a attorney ( consultation ) if account is open fraudulently it needs to be removed asap and an account 180 days old gets removed automatically. Yet this not the case. I can't afford an attorney to fight this because I am XXXX on a fixed income. Please help I need this removed
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several endeavors to tell credit bureaus that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I requested both Equifax and XXXX to remove the fraudulent items from my report multiple times and provided the identity theft report, The items only temporarily remove and then appear later. They have failed to provide verification of the debt when asked you including statements and signatures.
Product: Checking or savings account

My credit cards were stolen on XX/XX/XXXX from XXXX in XXXX XXXX , the thief then proceded to run to XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and committing fraud by charging my debit card ( without pin ) for XXXX. My phone texted me to tell me the transaction and I immediately called Chase and told them it was fraud and to shut my card down, they did and reversed, now I got a letter saying the transaction was valid. I called them back today XX/XX/XXXX and told them it was not and there is a video of the fraud and the signature was not mine.
Product: Debt collection

I had a lease with a friend of mine and he defaulted on his half of the lease so i paid for him but then they put a XXXX collection on my report and have not been able to show me a breakdown for how it got to be so high. We left the place clean so they could rent it out and i paid for my roommate.
Product: Mortgage

The company that managed my mortgage loan, XXXX XXXX XXXX, which is a subsidiary of LoanCare is posting misleading and untruthful information about the CARES Act and how the benefits of the act can benefit borrowers. 
They are also requiring certain information in a " forbearance application '' that is specifically prohibited by the CARES Act.

Please see : XXXX XXXX XXXX XXXX XXXX I also fear that LoanCare will retaliate against me for either 1 ) submitting the loan forbearance application or 2 ) submitting this complaint to CFPB.

Thank you.
Product: Checking or savings account

I deposited a mobile check deposit Thursday the XXXX of XXXX, I was told the funds would be in my account a few hours later since they could manually verify, I even called the company connected to the check and they verified its been paid, Chime keeps saying that I wont receive the funds until the XXXX, Ive now lost my car insurance, have multiple late fees and I have been on the phone with chime everyday since Thursday for over 4 hours each day and Ive been getting the run around, chime keeps saying they can not release the funds until the XXXX but I even verified with the company where the check came form that its valid, I am unsure what to do now since I am now XXXX in late fees and losing insurances, I cant even pay my bills or get groceries since they are refusing to release the funds, Ive spoken with many supervisors, some say Ill get it earlier than the XXXX and others keep saying I wont and now Im stuck and dont know what else to do, Ive been on the phone for hours and Chime stated its illegal to release my funds to me, I will now have to pay XXXX to renew my insurance due to the late fee and reactivation, I have a loan I have to pay off of XXXX that has late fees, I also have overdraft of XXXX now because they wont release the funds, and I also have multiple 7 late fees on some payments I need to pay back now
Product: Credit reporting or other personal consumer reports

According to the fair credit report act the list of accounts have voliated my federal protected consumer rights to privicy and confidential under 15 usc 1681 Acct name : water fall revenue act # XXXX 15 u.s.c 1681 section 602 A states I have right to privacy. 15u.s.c 1681 section 604 A section 2 it also states a consumer reporting aganevy can not furnish a account without my wtitten instructions 15u.s.c. 1681 states no consumer agency my make any consumer report containing any of the following items of information any others adverse teams of information other than records of convictions of crimes which aquects the report by more then seven years 15 u.s.c a person shall not furnish any information relating to consumer to any consumer reporting agency if the person knows or has reasonable cause
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX account XXXX XXXX account number XXXX amount {$450.00} XXXX XXXX account number XXXX amount {$460.00} XXXX XXXX XXXX XXXX account number XXXX amount {$580.00} XXXX XXXX XXXX account number XXXX amount {$600.00} XXXX XXXX XXXX account number XXXX  amounts {$1000.00} XXXX XXXX XXXX account number XXXX amount {$2100.00} XXXX XXXX XXXX account number XXXX amount {$23000.00} have violated my rights 15 u.s.c. 1681 section 602.a status i have the right to privacy.

15 u.s.c. 1681 section 602a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. 15 u.s.c. 1681 ( a ) ( 5 ) section states : no consumer reporting agency may make any following items of information any other adverse item of information, other than records of convictions of crime 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. my information was exposed to a data breach.
Product: Credit reporting, credit repair services, 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. 
XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX : # XXXX, has 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 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 theperson knows or has reasonable cause to believe that the information is inaccurate
Product: Credit reporting or other personal consumer reports

My account with the XXXX and i was never late! I have had exceptional payment history witH XXXX XXXX  and all payments were placed on XXXX. 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 in MONTHS REPORTING LATE 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.

This company 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

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and delete these immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute an unauthorized inquiry on my credit report made by XXXX XXXX XXXX XX/XX/2024. This inquiry was conducted without my consent or authorization. 

I visited XXXX XXXX XXXX XXXX stated date with a prequalification offer and did not authorize any credit check beyond the terms of that offer. However, during my visit, the sales representative proceeded to run my credit without my explicit consent. 

I request an investigation into this matter and the immediate removal of the unauthorized inquiry from my credit report. Enclosed are copies of my credit report highlighting the disputed inquiry, as well as any relevant documentation supporting my claim. 

I appreciate your attention to this matter and kindly request your assistance in resolving this dispute promptly. Please keep me informed of the steps being taken to address this issue. 

Thank you for your assistance. 

SincerelyXXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am formally requesting this letter to update the following items in my credit profile which are appearing to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will violate the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX Balance Owed : {$80.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$470.00} XXXX XXXX XXXX XXXX  Balance Owed : {$60.00} XXXX XXXX XXXX Balance Owed : {$1000.00} XXXX XXXX Balance Owed : {$180.00} XXXX XXXX Balance Owed : {$32000.00} XXXX XXXX Bankruptcy Dismissed Date Filed/Reported XX/XX/XXXX Reference XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bankruptcy Dismissed Date Filed/Reported XX/XX/XXXX Reference XXXX XXXX XXXX XXXX Bankruptcy Dismissed Date Filed/Reported XX/XX/XXXX Reference # XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX, XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, CO XXXX Equifax XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX Dispute Department XXXX XXXX XXXX XXXX Texas XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, PA XXXX XXXX XXXX 


I recently submitted a request for investigation of an Acct Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Ive submitted enough information regarding the fraudulent account thats open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your e-Oscar system you would have noticed that this account is not mine which your companies have claimed to Verified. Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in Cushman v TransUnion, Stevenson v. TRW ( Experian ), and Richardson v. Fleet, Equifax et, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the e-Oscar system that doesnt even contain my reasons for the dispute is not reasonable. 

If you dont initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which Im sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 


XXXX, XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX CO XXXX
Product: Mortgage

Nationstar Mortgage used my escrow account to pay property taxes which were not to be escrowed. The mortgage states I am to pay the property taxes out of pocket. Now, Nationstar Mortgage is raising my monthly payment to increase the amount of the escrow account. This increase is to happen for the next two years or I can pay {$1000.00} up front costs. I believe Nationstar Mortgage should reimburse my escrow account for their error and take the loss. If this would happen, my escrow account would be in the postive.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX   XXXX   XXXX  vs  XXXX  's  XXXX . I have contacted  XXXX  's over  20 ti mes to remove a 30 day late on 10 years of membership. I was treated cruelly by Customer Service Reps. The late reports as  XXXX    XXXX  . I have repeatedly explained that I have never made a late payment on any account on my report. At this time in   XXXX  , my brother had recently died young and horribly from  XXXX   XXXX . My mother was in final stages off   XXXX   XXXX   XXXX  and I was caretaker. My daughter was volunteer teaching on the remote   XXXX   XXXX   XXXX   in SDakota. I got an emergency call that my daughter was extremely ill and needed to be taken to a real hospital ( not medicine man  ) im mediately. I did that but brought the  XXXX  bill with me and sent it out on time. I have been repeatedly told by  XXXX  that the death of the family members at that time was not if any importance to them. They said my fear to be with my daughter across the country on a reservation with third world country health care, was totally inconsequential to them. Every time I asked for a goodwill adjustment due to so much health  XXXX , they said  XXXX   XXXX   XXXX  has no good will. It is possible that because it was sent from   XXXX   XXXX   XXXX  , it could have been delayed. My credit score has been severely damaged by this but my faith in people is damaged as well. I have never been spoken to in such  s dem eaning way, emohasizing that their payment was worth more than the lives of my brother, mother and daughter. I am crying as I write this and cried many times after speaking with their ultra disrespectful customer reps. Please help me so that all this torment leads to the removal of that negative information. I am buying a house and I look irresponsible by being late.  XXXX   XXXX  never did show proof that it arrived late but just kept saying that they absolutely would not remove derogatory no matter how many died or the fact that I never paid late in 10 years. The customer representation at this company is inefficient and inhumane