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

It has come to my attention that i was a victim of the Equifax data breach and my information was leaked leading to identity theft and according to FCRA 605 ( b ) a provision under the Fair Credit Reporting Act ( FCRA ) that allows consumers to request the blocking of information on their credit report that is the result of identity theft. Under this section, a consumer can have fraudulent information removed from their credit report to prevent it from adversely affecting their credit score. And accordance with FCRA 605B15 U.S.C. 1681c-2 please block and delete the following accounts within 4 business days XXXX XXXX  XXXX XXXX, XXXX  XXXX XX/XX/XXXX XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX and the fraudulent card opened XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I had two checks written as part of a canine adoption transport. The adopter was to reimburse me immediately upon transfer of pet but failed to do so. My checks never cleared. Recently this year, I psid both checks off for XXXX XXXX in full Amount and after receipt their Collections Agent promised to report both check debts were paid. That was not done. At this point I have paid my debt in it's entirety and should have that noted and updated!
Product: Vehicle loan or lease

They inflated the price of the vehicle and put things in the contract that I didnt agree to and then inflated the actual price of the vehicle I paid XXXX to XXXX to get the vehicle and then I started having mechanical Problems radiator transmission  and all so I finally couldnt drive the XXXX XXXXXXXX XXXX I was supposed to pay XXXX to XXXX for then I found out they were inflating the price to XXXX I didnt know this untill after the purchases they put some kind of vehicles XXXX  and XXXX  XXXX  afterwards and charged me extra for all that to now Im paying an large amount of interest on a XXXX  older car and the price on it was upped to XXXX more than the blue book on it I already need another vehicle but cant save a down payment
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself. The Equifax Credit Bureau is reporting inaccurate information on the listed accounts below. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file. 

( XXXX XXXX, XXXX XXXX, XXXX XXXX  XXXX XXXX )
Product: Credit reporting or other personal consumer reports

My account with XXXX  XXXX 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 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. XXXX  XXXX 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

I RECEIVED A COPY OF MY CREDIT REPORT ON XX/XX/2022, ACCOUNT NUMBER XXXX HAS A BALANCE OF {$34.00} WHEN IT SHOULD SHOW A {$0.00} BALANCE. I TALKED TO SOME XXXX AT EQUIFAX OVER THE PHONE BUT IT NEVER GOT RESOLVED. SEE ATTACHED DOCUMENTS.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft and have Inquiries reporting to my Credit profile as a direct result of identity theft.
Product: Credit reporting or other personal consumer reports

I have tried to dispute this bankruptcy ; Equifax says they verified using XXXX. But, according to XXXX there is no bankruptcy on their record. So, I do not know how they verified an account that isn't there. Also, I have a letter form the courthouse saying they do not report to the credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

tried to get my 3 free credit reports online on ( the date you tried to get your credit reports ) and was unsuccessful at getting my credit reports/ files. It's very inconvenient for me and I need them as soon as as possible.
Product: Debt collection

{$52.00} XX/XX/2022 I am requesting an investigation of the following data that appears on my credit report. Specifically, Im disputing the records that your company is sending to the credit reporting agencies. 

When I disputed this record with the credit bureaus, they stated the information was verified. However, because credit recording agencies often use software that doesnt provide complete investigations, I am disputing the information directly with you. This is my right under section 623 of the Fair Credit Reporting Act ( FCRA ). 

If you can not perform this type of investigation or locate all of the records to investigate this dispute, please update the credit bureaus to remove the information. 

Im also asking that you send your method of investigation, along with all records, as well as documentation that proves the account belongs to me. Then I may conduct my own investigation.
Product: Credit reporting or other personal consumer reports

I am contesting the presence of inaccurate personal information on my credit report. The following information does not pertain to me, and I have no association with it. I request the immediate removal of this information from my credit report. 

XXXX XXXX XXXX, XXXX, CT, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CT, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CT, XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service in fair practices, which violate the consumer financial protection act ( CFPA ). Specifically cash app failed to take timely and effective measures to prevent an address fraud on their platform leaving my account, vulnerable and unprotected. Furthermore, their dispute resolution process was unfair interceptive as they did not comply with air resolution requirements under the electronic fund transfer act ( EFTA ) in regulation E. These actions have caused significant inconvenience in financial loss and I seek appropriate red dress for these violations.
Product: Student loan

On XX/XX/year> I attempted to sign up for a new income driven loan program as I was under the impression it would lower my XXXX payment. I did not know it would actually XXXX my payment. I called MOHELA the very same XXXX, I was informed that any request that would increase my payment would automatically be denied. This was incorrect and my payment was XXXX. I called back XXXX times between then and XX/XX/year> and was always told the problem was being worked on and would be resolved but my requests to return my payment to the XXXX amount kept being denied. I waited on hold for more than XXXX hours and still havent had resolution
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting another CFPB complaint to reques to you to once again request to remove the fraudulent accounts and information from my Credit File. My credit report contains a significant number of unauthorized requests, as well as some erroneous reporting of accounts and Information. I can tell that someone has stolen my identity. As a result, I filed a formal report to the FTC with File Number # XXXX. In accordance with the provisions of FCRA Section 605B ( 15 U.S.C. 1681c-2 ), I have included that report in this complaint. Please remove these items from my credit record as soon as possible to comply with the law ( i.e., 4 days ). Please let me know if you require anything else. Under the Fair Credit Reporting Act section 605b, I am ordering you to please remove the following accounts and information completely from my Credit File : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX - XXXX XXXX Balance {$0.00} XXXX XXXX XXXXXXXX Balance {$460.00} XXXX XXXX  XXXX Balance {$7.00} XXXX XXXX XXXX : {$0.00} XXXX XXXX Balance {$0.00} XXXX XXXXXXXX Balance {$0.00}. You have been failing to send me copies of proof of verification or proof of ownership to support your claims that the disputed items belong to me. In the absence of such documents, you should have removed the fraudulent items from my Credit File.
Product: Credit reporting or other personal consumer reports

My accounts 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 to be removed/updated. 

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.

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!
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX - XX/XX/year> XXXX - XX/XX/year> XXXX XXXX XXXX XXXX - XXXX XXXX
Product: Credit reporting or other personal consumer reports

I was checking on my credit report. I noticed some inquiries that was not authorized. I talk to credit bureau no ones remove this inquiries from My credit report. I need u to check and see wats goin on. 

XXXX Inquiry XXXX XXXX XXXX XX/XX/XXXX Equifax Inquiry XXXX XXXX XX/XX/XXXX XXXX Inquiry XXXX XXXX XX/XX/XXXX Inquiry XXXX XX/XX/XXXX
Product: Credit card

On XX/XX/2023 I began to purchase some airline tickets from XXXX XXXX. At check out an advertisement to apply for a Chase credit card stating could use for the purchase to receive a {$200.00} credit after {$500.00} purchase. I applied for the credit card knowing I have excellent credit and background. I also applied with the absolute intent of using it for airline purchase. After approval of credit card I was notified that I could not use the card for this purchase and was redirected back to the XXXX checkout and was required to use a completely different card of my own. I called Chase to see what they can do and was told there was nothing that can be done. I stated there were only XXXX options in my opinion. Give me the information needed to purchase the tickets as advertised or make it as if this debacle never happened. Was told ( rudely by one ) there is nothing can be done but cancel the card because I would have needed the physical card to make the purchase. Everything about the scenario came across as a bait and switch. I then asked the card to be cancelled and notify credit bureaus to rescind the hard pulls. Was told that this could not be done as well because I applied. I responded I applied under pretense of using card after approval ( as advertised ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a customer of CB Indigo and this account is reporting late payments when during months where payments were made and received with this credit card. Please properly investigate this and correct my credit reports. The latest reporting error being marked late in XXXX but the company confirms receipt of two payments in XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past XXXX  months to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/2022 XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My current credit report reflects two XXXX XXXX XXXX Student Loans with the same account numbers, open dates and closed dates. They both state that the account was transferred, closed/Never late. They have to different loan amounts XXXX Loan 1- Closed XX/XX/09 for {$10000.00} XXXX Loan 2- Closed XX/XX/09 for {$8500.00} Could not submit dispute because I had to wait until others account disputes were settled.
Product: Credit reporting or other personal consumer reports

I contacted heights finance and told them I was a victim of identity theft they disregarded this. I submitted police report which was filed way before this loan was opened they still disregarded I sent them ftc report they still disregarded. I even offered to pay XXXX to remove this from my report they still refused. This company needs to be held accountable for disregarding the FCRA and consumer protection laws
Product: Credit reporting or other personal consumer reports

Someone use my information and was trying to get loans in my name and use XXXX XXXX XXXX to enhance my credit when I was in XXXX
Product: Mortgage

XX/XX/XXXX I am having to write this letter more than XXXX years after the fact regarding a {$590.00} appraisal fee that I paid for and then was reimbursed for XXXX days later by XXXX XXXX XXXX  only to be charged for it at the close of the refinancing. 

Please keep in mind that this has been more than XXXX years since I brought this to your attention and have so multiple times. 

We began the refinancing our mortgage with XXXX XXXX XXXX  in XX/XX/XXXX. I worked with your former agent, XXXX XXXX. In late XXXX during the process, he told me that I would need to order and pay for an appraisal, which I did the next day. On the day of the scheduled appraisal, I took the day off from work and waited all day for the appraiser to meet me at the house. She did not show up and called me the next day to apologize and reschedule. XXXX asked me how the appraisal went and I told him that she didnt show up or call me until the next day. XXXX said he would talk to his regional XXXX XXXX XXXX to see if I could be reimbursed for the cost of the appraisal. The next day he confirmed that I would be reimbursed and four days later I was. 

At the close of the refinance on XX/XX/XXXX while my wife and I were with the public notary reviewing the final loan documents and signing them, I noticed that the {$590.00} appraisal charge was listed on the Final Closing Disclosures. We signed and I called XXXX our agent regarding this. He said it was a mistake and he would talk to XXXX and get us the refund amount. This went nowhere. Never heard anything back. Ive called your customer service department and XXXX XXXX and they all acknowledge that I should not have been charged for the {$590.00} appraisal fee at the close. 

Its been over XXXX years. If I do not receive the {$590.00} appraisal reimbursement within XXXX business days, I am contacting your regulators with this demand letter and your local XXXX XXXX XXXX  and the XXXX XXXX XXXX XXXX. 

Additionally, I would like all of the XXXX Closing Disclosures documents that my wife and I initialed and signed. There were multiple documents dating back to late XXXX the through the final dated XX/XX/XXXX. I suspect other closing expenses may have been added or altered. 

I am requesting the {$590.00} reimbursement in ten business days and all closing disclosure documents that we signed throughout the refinancing process in XXXX business days. 

Thanks.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app ( block in ) due to inadequate customer service and unfair practices, which violate the consumer financial protection act ( CFPA ). Specifically Cash app failed to take timely and effective measures to prevent and address fraud on the platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair & deceptive, as they did not not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor my not treat a payment on a credit account under an open end consumer credit as late for any purpose.
Product: Checking or savings account

I decided to close my checking account at PNC bank as i found their website and online banking very complicating and extremely confusing. Because i donot really understand their site settings i was afraid of using it. As of XX/XX/2018 my account balance was {$25.00}, so i paid the same {$25.00} to my credit card to zero out my account balance. I planned to close the account as soon as the payment is clear and my account has XXXX balance. But on XX/XX/XXXX i noticed my account has a negative balance because PNC bank charged me overdraft fee. So i both called and sent them a secured online message to inquire and explain to them that i just wanted to zero out my account balance of {$25.00} and then close my account. I didn't overdraw a penny as my account was clearly showing a balance of {$25.00} before i made the payment for the exact same amount. I asked them to remove the fee and close my account but they refused. After i asked to speak with the manager, the representative agreed to submit a complain and promised to call me back within 48 hours. But 5 days passed and nobody called me back. I sent them a online message again but they still gave me a run around and refusing close the account. Today i notice they charged overdraft fee again so the account 's negative balance is growing larger.
Product: Checking or savings account

I signed up for a CITI public checking account promotion in early XXXX for XXXX dollar bonus if depositing XXXX within 30 days and maintain balance for 60 days. I waited patiently for entire waiting period ( up to 90 days after meeting criteria ) and checked with CITI customer representative a couple of times during that period to confirm my eligibility for the welcome bonus. 

However, right after my 90-day waiting period, I still didn't get the bonus and opened a case with CITI. After investigation, CITI claimed that I am actually not eligible for the bonus due to a targeted promo code they claimed attached to my account even I fulfilled all the requirements. I pointed it out to CITI that I signed up for a public offer which doesn't require any promo code but they insist that I signed up for a targeted promotion regardless their customer representative confirmed my eligibility for welcome bonus numerous times. 

I was asked by CITI to provide promotion disclosure after 6 months I signed up for the account to prove myself truly eligible for the promotion which I found is ridiculous. They can simply deny the promo they ran by themselves by claiming a targeted promo code that was attached to a customer account without any proof meanwhile expecting their customer to keep all the evidence. I also feel disgusted by the way how CITI holds a customer 's hope for as long as 6 months by having representative keep assuring customer 's eligibility then tell customer he/she is actually not eligible for the promo at last minute.
Product: Credit reporting, credit repair services, or other personal consumer reports

Company was never authorized to share personal credit reports with XXXX, XXXX or any parties not authorized by me myself or identity holder which is my according to credit reporting law, i would need your help and getting them to remove all this frivolous information on my credit report please
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, and XX/XX/XXXX, I asked for debt validation, but I have not received the information. Please reinvestigate these matters and delete or correct the disputed information as soon as possible. Challenge to CHECK for PHYSICALLY demonstrated PROOF ( as MANDATED per FEDERAL REPORTING LAWS or YOU to retain or report ) of the absolutely FULLNESS and IRREFUTABLY of the TRUTH, CORRECTNESS, COMPLETENESS, TIMELINESS, OWNERSHIP, RESPONSIBILITY, and else wise METRO 2 Compliance of the actual or potentially INJURIOUS derogatory and adverse allegations due to unethical and very likely even ILLEGAL CHICANERY CAUSED SUBTERFUGE. I declare in this official written declaration that you have NO AUTHORITY to EXONERATE yourself nor any other entity from adequately COMPLIANT, TRUTHFUL, TIMELY, COMPLETE. And fully ACCURATE reporting now or in the future. I DEMAND that you return to LAWFUL NON-INJURIOUS reporting immediately without hesitation nor exception to your obligatory duties, whether mentioned in this declaration or not. Do so TODAY, even RIGHT NOW! The FOLLOWING accusations I am now enacting MY CONSUMER RIGHTS to question the CURRENT status of its compliant reporting, truthful reporting, timely reporting, complete reporting, correct reporting, and evidence of the ownership and responsibilities of the alleged non-positive and or even negative yet UNPROVEN information.
Product: Credit reporting, credit repair services, or other personal consumer reports

The recent Equifax hack has stated I 've possibly been effected. I 'm upset with the time it took for this company to relay important information to the public regarding the hack. Seems like some insider trading was being done as well if the stories online are true about CEO 's selling off their stock before informing us.