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

Approved for a new JetBlue Credit card from BarclayCard US on  XX/XX/18. Company claims they mailed a card, but was not received after the time stated it would take ( waited over 10 days from approval to calling customer service as advertised ). Called customer service on XX/XX/XXXX requesting a new card be sent. Was charged an expedited card fee of XXXX $ On XX/XX/18, however, this fee was not disclosed at time of request. If the fee was disclosed, I would not have requested the card. Other card companies I use have either disclosed this type of fee or have not charged/waive this type of fee altogether so I can make a decision based on the amount of the fee. Im concerned others are being charged this type of fee without required fee disclosure notice.
Product: Checking or savings account

Illegal Suprise Overdraft Fees Caused Harm To My Account On Multiple Occasions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraudulent accounts and 23 fraudulent inquiries.police report on file with credit agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are too many inaccuracies with this account. Which is in violation of the FCRA. Everything posted must be 100 % accurate. How is that so when these two agencies are reporting different information. Please delete this account. view attachment XXXX XXXX Date open XXXX XXXX XX/XX/XXXX Last reported XXXX- XX/XX/XXXX XXXX XX/XX/XXXX Date last Active XXXX   XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

The items listed below are reported on my credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 15 U.S.C, 1681section 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.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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

We began a home mortgage application with USAA Federal Savings Bank on XXXX XXXX, 2015. We were speaking with XXXX XXXX ( NMLS ID XXXX ). After going through all of the information, we came to the point where we were going to lock in a rate. The rate she gave us was very good ( 3.625 % with 0.5 points ). There was another rate quoted with 3.875 % and 0.125 discount points, but we " LOCKED IN '' with the first rate. We even asked her if the rate was good because of our good credit. She said " yes. '' Two days later we got the written paper work, which had our correct interest rate, but now had 2.375 discount points! A cost difference of {$4800.00}! USAA says there is nothing they can do. The agent must have made a mistake. But, we feel they should honor the original rate or credit us {$4800.00}. Because of the rate we locked in, we did not shop around to other banks and we lost XXXX business days to do so. Meanwhile rates have increased. This is a bait and switch. It should be illegal. When I LOCK a rate, I should get the rate that I LOCKED. Not a different rate that I find out about 2 days later.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureau for a verification of everything on my credit report for the account name, XXXX for account number # XXXX on my credit report. They stated everything was accurate. But I did a through research myself and found inaccurate information. Notice that date opened on the credit bureaus are all incorrect. 

In accordance with the fair credit reporting act, XXXX  account # 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 an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to the dealership for a new car and I picked out a XXXX. They told me they would run my credit under XXXX lenders only. Days later I saw a XXXX inquiries I didnt approve of. They lied to me.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and demand the immediate removal of the following fraudulent accounts and inquiries from my credit report due to identity theft. These accounts were opened without my consent, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) to have these items promptly removed. 
I am also writing to formally notify you that I am a victim of identity theft and request the immediate blocking and deletion of all fraudulent accounts or information related to the identity theft, as authorized by 15 U.S.C. 1681c-2 ( a ). I became aware of the breach of my personal information through the Equifax data breach, which has exposed my sensitive data to unauthorized individuals. 
The following fraudulent accounts and inquiries have been identified as a result of this breach : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Mortgage

I am trying to refinance my home. In XXXX my payment had changed and I inadvertently sent in a payment which was {$71.00} short. Ocwen mortgage is now reporting that I never made the payment in XXXX. My new potential mortgage company can not refinance without a clarification letter from Ocwen, which they refuse to furnish
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has been non-compliant with removing the unverified account Chapter XXXX Bankruptcy Discharged Reference # : XXXX which has been deleted by XXXX  and XXXX. XXXX and XXXX  have both completed their research and determined that Chapter XXXX Bankruptcy Discharged was not established by myself but Equifax keeps verifying this accounts. Also, when I called the company they responded that Equifax did not send them all of the verifying evidence to confirm each account is unverified.
Product: Credit reporting or other personal consumer reports

I am writing regarding my credit report, which contains inaccurate and incomplete information that requires your attention. The reason for my dispute is that your agency has not provided sufficient information to verify the debt in question. XXXX and XXXX, another credit bureau, has already corrected the inaccuracy these accounts from their records due to an identified error. I am perplexed as to how you have verified these accounts while the other bureaus have updated it. Therefore, I request that you correct these accounts from my credit file as it is inaccurate, erroneous, incomplete, or unverifiable. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

Im writing to express my deep disappointment with the way my recent dispute was handled by Chase. This dispute pertains to a transaction dated XX/XX/year>, for {$500.00} with XXXX. The specific details of the transaction are as follows : order XXXX for {$410.00} and order XXXX for {$90.00}, total of {$500.00}, both placed on XX/XX/year>. 
There was no update on the orders for almost a week after they were placed. Upon contacting the seller through XXXX, I was provided with FedEx tracking number XXXX. The tracking information indicated a delivery to XXXX XXXX on XX/XX/year>, but nothing was delivered to my address. When I contacted XXXX, I was informed that my name and address did not match those associated with the provided tracking number, and they were unable to assist further. I have an audio recording of this call, which I can provide to support the investigation. 
I filed a claim with XXXX on XX/XX/XXXX and simultaneously with Chase. XXXX subsequently froze my orders and provided no further updates. However, Chase card dispute services conducted a superficial investigation, simply checking the online delivery status of XXXX tracking number XXXX. The delivery details indicate the package weight was XXXX lbs., while my order included XXXX bar stools and XXXX dining chairs, which should have weighed over XXXX lbs. Additionally, the delivery required a direct signature, and a person named XXXX, whom I do not know, is listed under proof of delivery. Despite these discrepancies, Chase concluded that the disputed charges were valid, and a rebill of {$500.00} was posted to my account on XX/XX/year>. 
I contacted Chase dispute services regarding this unfair outcome but was informed that my case had been closed and could not be reopened. The most frustrating aspect of this experience was that I was never contacted during the dispute process to provide additional information that could have facilitated a fair judgment. I was then advised to write a letter to request the reopening of my case, despite the evident misconduct by Chase card dispute services.
Product: Credit reporting or other personal consumer reports

I have many cases going on with Equifax. 

I do not have a victim determination letter but I have a police report stating that I am a victim of XXXX XXXX, I was robbed, a victim of Identity theft, and a victim of XXXX XXXX. I am requesting that Equifax block any fraudulent and/or suppress items on my credit file due to XXXX XXXX, fraud under the XXXX XXXX law and also under the XXXX XXXX XXXX. The accounts that I have not gave anyone permission to open under my name and not mine are XXXX XXXX XXXX XXXX and XXXX XXXX. I am really a victim of XXXX XXXX as well. I am a victim of all of those things. I have not been able to use XXXX for over 6 years. The agent has told me they will send it to technical support and its never fixed. I reset my passcode and then the system says I do not own a account then when I try to register for a account, Equifax tell me I can not because I own account already. I have all of this information saved on XXXX XXXX and XXXX XXXX for 6 years plus. If this is not resolved immediately. I am going to have my attorney to sue Equifax and the agents of Equifax personally for discriminating against me and not honoring my disputes, block requests, etc because of my race, background, and things I have been through. I need to be able to navigate moving from being robbed from the people that human trafficked me years ago finding me and sending people after me. All of this will be brought up if I have to sue Equifax for damages ( punitive ). This is unfair to punish me and to be honest this millions of dollars of damages. If I get killed because I can not relocate and move. Both of my children and my spouse will separately sue Equifax for damages, future, current and past punitive. They have everything documented including all agents I have associated with and their employee XXXX. Yesterday I allowed the Federal Trade Commission intake person to listen at them say that the first FTC report was invalid. I had to get a new FTC report and change the report number which have been updated. Equifax is discriminating against me because I have taken them to court before and it was small claims back then. This time it is going to XXXX court because of the amount of damages if they do not honor my request. I will also report their attorneys to the XXXX XXXX XXXX, the business to XXXX XXXX XXXX XXXX  and to the Attorney General. They must take effect on people that are victims. I could of got killed while getting robbed and its all Equifax liabiltiy for neglecting me a citizen.
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened an issue before and got an email you were not able to send complaint to the company for a response ( XXXX ). Not sure if I filled it out wrong or did not provide enough info. I will add more now. 

The background check company Sterling ( Sterling Infosystems, XXXX XXXX, XXXX XXXXt, XXXX XXXX, XXXX XXXX XXXX ) ran a background check and provided to a company that I did not authorize. It seems Sterling operates under multiple names ( see above ) so it is difficult to find who to talk to. 

My employer ( XXXX XXXX XXXX ) told me I had to fill out a Sterling form online, but when the consent box popped up there was no way to say no, it asked for my name to be typed in so I just put 'no ' that I did not consent. XXXX is saying their system just assumes everyone consents and they in no way need to have written consent, just being on their site implies consent. In summary I did not provide written consent. 

Also the disclosure forms were confusing the name of the company requesting the report was not one name but two companies " XXXX XXXX XXXX '' was the name on the disclosure. I am a current employee of XXXX XXXX XXXX, but I assumed the check was only for XXXX, which is who I thought requested it and that XXXX would not get or take actions against me because of the report. I work for XXXX, but was told to fill out the background check to be a XXXX contractor in a XXXX facility. But it turns out both companies got the report ( as per Sterling ). 

Based on the report XXXX is working to revoke my employment. 

I have emailed with XXXX XXXX who is the director of Compliance at Sterling email ( XXXX ) phone ( XXXX ext XXXX ), but she is saying no written consent is needed for background checks.
Product: Credit reporting

Present landlord has a Writ placed in court records, which is also showing up on my credit report. I am XXXX and my son is XXXX as will. This landlord constantly keeps my name in the courts. It 's not that I do not pay my rent. My rent was late due to an error by SSI two times both times I had documentation showing the circumstances. Do to the stress I felt, I asked this landlord to let me out of the lease. I explained to him that I had found affordable housing and I was given a XXXX discount my rent would have only been {$450.00}. The landlord told me he would not let me do it, that he would mess up my credit. I have been fighting with landlords since I have been in North Carolina. Not all are bad, however they can make life unbelievable hard to live, when you need Good housing for my son who is XXXX. And they do not care who much money they take and rob you of. Enclosed in my complaint is the XX/XX/XXXX. My lease is up XX/XX/XXXX, I paid XX/XX/XXXX rent. So I am still a tenant at XXXX XXXX XXXX. 
Sincerely, XXXX XXXX XXXX rent was paid on time XX/XX/XXXX, File No. XXXX Date of Judgement was XX/XX/XXXXDate Writ Issued. FUNNYBUSINESS.
Product: Debt collection

So this XXXX account was previously with XXXX, XXXX. I sent a letter requesting debt verification in with XXXX in late XXXX of 2019. They never responded with debt verification but sold the debt to I C System which they opened the account in XXXX of 2019. I sent a dispute requesting that I C system verify/validate the debt through XXXX and they only said that it was verified, they never sent me the requested proof of validation nor did the send me a notice of debt which is required by US CODE 1692. I have asked for proof that this debt is mine from XXXX, and then this creditor on multiple occasions and they have sent me no proof at all but continue to report this debt illegally and change the dates of the balance being reported. 

I am requesting proof that this debt is mine and proof that they sent me a notice of the debt when they first purchased/opened it in 2019. The debt is not verified and there for should not be reported with out proper verification, including the paperwork from the original creditor ( XXXX ) and proof of their purchase from XXXX, XXXX.
Product: Debt collection

XXXX XXXX has been reaching out to myself several times every hour of the day even on weekends. I had resolves the problem last Wednesday XX/XX/XXXX but am still receiving back to back phone calls. I have also had several people I am not even in contact with say they've received a call regarding the situation and that they stated it was to collect a debt ( which I thought was against the law ). Also not quite sure how or why the people that were contacted were reached out to, as they have no relevance to me or the situation. I had also received messages stating that the situation would go to an attorney if it was not resolved immediately.
Product: Credit card or prepaid card

On XXXX XXXX, I called the company and wanted to close the account. They said I had to pay the {$6.00} monthly fee. I argued that it was the beginning of the month and I wasn't going to use the charge card anymore. This was exactly the reason why I wanted to close the account because of the monthly and annual fees. The account has no current outstanding balance due, is in good standing and has been paid on time every month ( including monthly and annual fees ) since opening the account in XX/XX/2019. If I have to pay the monthly fee, then I will never be able to close the account because the fee is charged the first of each month and the account will always have a balance due because of the monthly fee.
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 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 Account Number : XXXX Dates of Late Payments : XX/XX/XXXX Nature of Complaint : On XX/XX/XXXX, I submitted a dispute to TransUnion disputing a late payment reported by 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 Submitted On Time : I submitted my payment for XXXX on time, well before the due date. I have attached bank statements and payment confirmations that clearly show the payment was processed before the deadline, yet the payment was incorrectly recorded as late. 
Clerical Error at XXXX : After noticing the error, I contacted XXXX customer service, and they confirmed that the late payment entry was a result of a clerical error on their end. The payment was applied to the wrong account, which delayed its proper processing. I have attached email correspondence from XXXX that acknowledges this mistake. 
XXXX in Payment Posting by XXXX : The late payment entry is also a result of a delay in XXXX payment processing system. Although the payment was made well in advance of the due date, it took several days for XXXX to post the payment to my account. I have attached communication with XXXX customer support, where they confirm the delay in posting the payment was due to their internal processing issues, not my failure to make a timely payment. 

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 XXXX
Product: Credit reporting or other personal consumer reports

Per the CARES Act initiative the the Dept of Treasury in response to disparities occurring during XXXX, I reached out to the mortgage company in XX/XX/2020 after my job had been cut due to XXXX occurrence. I spoke personally, with a representative from the mortgage company, informed them of my situation, and during the phone call I was asked a series of questions that the representative informed me would be submitted for initiation of the forbearance immediately. I was informed by the representative that I did not have to make any payment until instructed to do so once the forbearance expired. 
I didnt receive the paperwork indicating that my forbearance have been approved effective XX/XX/2020. During that time I made multiple attempts to reach a representative by phone to discuss the XXXX payment that had not been made per my conversation with the representative the previous month. As many companies had decreased their staff during the pandemic, I was never able to reach a live representative, and a voice recording on their end, said to call back at another time. Due to this discrepancy in XXXX processing of this paperwork, they have counted every month as a non-payment on my credit report, which is in direct violation of the XXXX XXXX. if they are unable to get this issue, resolved, I will take this case to those that oversee direct violations of the XXXX XXXX.
Product: Credit reporting or other personal consumer reports

Two inquiries are being reported that should be not on my XXXX consumer report