23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I placed an order with XXXX XXXX XXXXXX/XX/year> using my PayPal debit card XXXX charged me a extra {$20.00} PayPal will not refund my {$20.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to Equifax on several occasions in reference to a bankruptcy that they have listed on my credit report. They are telling me that the information has been verified as accurate but have not sent me any on the documentation to back up the findings. The other two credit bureaus do not have it listed at all so I am so confused on how it is accurate if they are the only on reporting.
Product: Checking or savings account

My cell phone wallet was stolen from my car on XX/XX/XXXX during a walk in the park outing, and several unauthorized charges were attempted, XXXX of which tied up more than {$800.00} of available credit for almost a week, the other for $ XXXXish actually posted. 

Unlike ALL the other banks and credit card companies I had in that wallet, who recognized the fraudulent activity and cancelled the cards- most even before I made it back to my house within the hour - Arvest allowed the charges against my account. I waited on hold for an hour later that evening - as soon as I returned home - to reach an XXXX customer service representative.
Product: Credit reporting

I have paid all accounts from my Equifax report for XXXX XXXX Emergency. They have yet to update my credit report. They said it would be 30 days and it 's been almost XXXX. The collector is XXXX XXXX XXXX. They are holding up my mortgage process intentionally. Also they failed to send my itemized receipt of payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX is a fraudulent address listed on all XXXX credit bureaus and every account associated with that address is fraudulent as well. Please assist in removing this information off of all XXXX credit bureaus and my credit reports.
Product: Credit reporting or other personal consumer reports

I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.
Product: Credit reporting

I reviewed my Chex Systems consumer report and there are fraudulent and unauthorized inquiries listed on my consumer report. The following inquiries are fraudulent and unauthorized : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Navy Federal credit union has failed to provide the consumer ( ME ) with the option to opt of of non disclosure reporting to Non-affiliated 3rd party companies ( credit bureaus ) every 30 days as noted in 15 USC 6802, and also violated my rights IAW 15 USC 6803 reporting my nonpublic information to nonaffiliated 3rd party companies ( credit bureaus ) and the terms set forth by navy Federal credit union.

15 U.S. Code 6802 ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; 15 U.S. Code 6803 - Disclosure of institution privacy policy U.S. Code Notes prev | next ( a ) Disclosure required At the time of establishing a customer relationship with a consumer and not less than annually during the continuation of such relationship, a financial institution shall provide a clear and conspicuous disclosure to such consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, of such financial institutions policies and practices with respect to ( 1 ) disclosing nonpublic personal information to affiliates and nonaffiliated third parties, consistent with section 6802 of this title, including the categories of information that may be disclosed ; ( 2 ) disclosing nonpublic personal information of persons who have ceased to be customers of the financial institution ; and ( 3 ) protecting the nonpublic personal information of consumers.
Product: Credit reporting or other personal consumer reports

This account was charged off on the following date XX/XX/year>. Since then the account has repeatedly been updated as charged off every month. This is an update on the payment history. A charged-off account should not include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account : XXXX XXXX XXXX
Product: Checking or savings account

Square has been o holding my funds for XXXX and will not release them for XXXX no one is giving a reason not can you speak to a person that can. This is m making paying employees late
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at Self on XXXX XXXX under the account number XXXX XXXXXXXX, an personal credit card account opened at XXXXXXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX XXXXXXXX and a personal credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX XXXXXXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I request, pursuant to FCRA 605B ( 15U.S.C. 1681c-2 ), that the XXXX credit reporting agency block all of the accounts, collections, and hard inquiries identified in this CFPB complaint from my consumer credit file within 4 business days of receiving said complaint. I request that all written confirmation regarding this CFPB complaint be sent to me via email to the email address XXXX.
Product: Credit reporting or other personal consumer reports

Recently, I looked a copy of my credit report and noticed several Inaccuracies on my accounts. This is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX All have incorrect information and have violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to Privacy. 15 U.S.C 1681 Sections 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  ran a hard inquiry : XXXX. XXXX, XXXX  via TransUnion. This was NOT authorized. I attempted on numerous occasions to rectify. This included sending letters and a multitude of phone calls netting me nothing but more confusing and increasingly conflicting advice and data. I additionally tried to fix this via TransUnion. They at least informed me that the hard inquiry was likely in response to a pre approved offer sent to my old address. I have since frozen all of my accounts and put a freeze. I would like this fraudulent hard inquiry removed from my record. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Account shows discharged but it has been settled and paid in full
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax did not properly secure my protected personal information from intrusion, such as through appropriate patching, 2-factor authentication at the point of service, segmentation of data, etc. As such, it appears my full name, Social Security numbers, birth date, addresses, credit cards, and possibly driver license number is cross-matched to each other and in the hands of criminals who can use this data to breach any number of accounts in perpetuity such as my banking and financial data, medical data, legal complaints, political data, and any other number of sensitive accounts.
Further, I am unable to secure these accounts because they ask for the very personal information that is breached in order to verify my identity and approve a change.
Equifax is currently offering a limited credit monitoring service. It is the onus of the victim to search out this information and service, and the service itself looks like an unreliable third-party website asking for 2/3 of one 's social security number plus last name and most importantly, a waiver of all class action recourse in order to discover if one is among the breached accounts, only changed to waive class action recourse from the third party site if it too is breached with the sensitive data it is querying once the news of this spread. This is insufficient to the need created by their negligent protection of my information, which I did not give them myself, but which they curated as their business from other businesses.
Product: Credit reporting or other personal consumer reports

This is my several endeavors to tell you 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, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

My account with these company was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made 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: Debt collection

I have tried to contact this company regarding my alleged debt and they can not even give me the account number to pay this debt even if I wanted to.
Product: Mortgage

It has come to my attention that a deposit issue with another financial institution has caused an unfortunate chain of events resulting in a mortgage payment due to Chase becoming past due. Chase has since reported my mortgage loan as being once 30-59 days late and then also secondly as being & gt ; 60 days late. In contacting Chase, I was transferred around to several agents before finally being told that my only option was " to just move forward. '' This is neither a resolution nor an acceptable form of customer service. First, the time between my due date and the date that I recognized and rectified this issue by satisfying my current amount due was not greater than 60 days. I have never been greater than 60 days past due on my loan with Chase, and I am fully requesting that this credit mark be reviewed and removed promptly as inaccurate. Secondly, as a customer of Chase, I do not feel like they have any interest in assisting me in this matter regarding my mortgage payment falling past due. They were not interested in hearing any details from me in regard to my transactional issue with the other institution that subsequently caused this late payment. They did not wish to take into account my mortgage payment history with their institution and instead chose to ignore that I have never been late on any payment in my entire credit history, with Chase or any other institution. I also question Chase 's interest in even informing me as their customer that my payment had been missed. I was never notified by Chase by phone, in writing, or even by a simple automated notice that my payment was delinquent, until I received a formal notice about my options regarding avoiding foreclosure of my home. I am requesting the following pieces of information from Chase : 1 ) I would like for Chase to formally explain to me their general policies and procedures for contacting mortgage customers when their payments are past due. 2 ) Within the policies and procedures of Chase, I would like to know when Chase begins to make initial contact attempts with their customers that are past due on mortgage loans. 3 ) I would like for Chase to formally explain to me why my account was excluded from any early-stage delinquency contact attempts. 4 ) If it is within the policies and procedures of Chase to contact other mortgage account holders by any means at a date earlier than I was notified about my particular account, I would like for Chase to formally explain why my account has received disparate treatment. Lastly, I understand that the original issue that caused my payment delinquency is not the responsibility of Chase, but I would wish for Chase to review my description of what caused the late payment, review my previously good standing credit history with Chase, and please reconsider their stance on removing the 30-59 day late credit mark as well due to this customer service issue.
Product: Payday loan, title loan, personal loan, or advance loan

On or about XX/XX/year> advances were made for a plumbing repair that had already been started. I believe the plumbing company had an in-house financing agreement with EnerBankUSA. There was no negotiation of terms or an application as would be expected for a loan in this amount. The interest rate ( 8.99 % ) appears exorbitant. The loan term is 12 years on a principal balance of approximately {$32000.00}. Half of the monthly installments are going toward interest which accumulates daily. We are XXXX citizens, both retired, own our home and currently paying a mortgage. This has all the elements of a predatory loan. We were literally under duress at inception since that project had already started. The 3-day cancellation would appear not to be applicable. The only lien language I believe is for mechanic and materialmen contracted by the plumbing company. A loan of this size with the interest rate higher than our mortgage and unsecured is circumspect. My husband has since died. I mention his death because I am going through his documents when I noticed the daily rate. Should this type of financing transaction be allowed or tolerated? I am experiencing financial hardship ; the loan payments are almost {$400.00} a month. I have been unable to get loan documents. The plumber was paid in full. The bank representatives are uncooperative and tell me this loan can not be modified.
Product: Credit reporting or other personal consumer reports

Accounts American Express XXXX Subject : Urgent Request for Deletion of Inaccurate Information Pursuant to the Fair Credit Reporting Act and Defamation Concerns : I am writing to address a matter of utmost urgency regarding the inaccuracies persisting on my credit report, as reported by your agency. I previously communicated my concerns, and despite your claim of having conducted a reasonable investigation, the inaccuracies persist, causing substantial damage to my credit score and resulting in defamation of my name, thereby adversely affecting various aspects of my life.

I have reach out to you and its been over a year In reference to the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S.C. Sec 1681i ( a ), I assert my right to dispute and request an immediate correction of any inaccuracies on my credit report. Your continued reporting of erroneous information is not only damaging to my creditworthiness but also constitutes a violation of the FCRA, which mandates the accuracy and fairness of consumer credit reporting. 

The inaccurate information pertains to the following account : Account Number : [ Provide the relevant account number ] Despite my prior request for investigation, your company has failed to rectify the errors on my credit report. In accordance with 15 U.S.C. Sec 1681i ( a ) ( 5 ) ( A ), which requires prompt correction of inaccurate information, I demand that you IMMEDIATELY DELETE the inaccurate information associated with the mentioned account from my credit report.

The perpetuation of these inaccuracies is causing significant harm to my financial standing, and I am left with no option but to insist on the immediate removal of the erroneous information. Additionally, I am concerned about the potential defamation of my name due to the continued reporting of inaccurate data. 
To ensure compliance with the FCRA, I kindly request that you provide me with proof of deletion for the inaccuracies associated with the specified account. You can send the proof to my email address at XXXX and the provided postal address. 
I expect your prompt attention to this matter and a swift resolution in line with the FCRA guidelines. Failure to comply may result in legal action being taken to protect my rights under the FCRA. 
Thank you for your immediate attention to this matter. 
Including the requested documents, to my attention at XXXX and the address provided above. 

Your prompt attention to this matter is greatly appreciated, and we anticipate your cooperation in resolving this issue promptly.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello I sent in a letter asking Equifax to verify 2 accounts that were on my credit report that I do not recall ever being mine! They never opened up an investigation all they did was add remarks to the XXXX  XXXX account but never emailed nor sent me a letter regarding my dispute. The remarks dropped my score by 57 points. I am under the impression that I never received a fair investigation. 

Please see all my supporting docs thanks XXXX XXXX
Product: Credit card or prepaid card

Citibank is refusing to allow me to reduce the balance on my existing credit card account using the {$12.00} check they were required to send me per their agreement with your protection bureau as is stated in the accompanying letter. I would like for them to either honor the wording of the letter or reword it to say I must either deposit or cash the check at my bank, but not transfer the funds from one of their accounts to another of their accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

Former complaint and it still isn't resolved with XXXX and XXXX. Please see attached documents to add to my complaint. XXXX is marking up my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on BK OF AMER XXXX Date Opened : XX/XX/2016 Balance : {$0.00}, reporting must be 100 % accurate or the information must be deleted.