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

I'm feeling troubled, unhappy, and stressed regarding the developments in my credit report. There are late payment remarks on some of my accounts, even though I have consistently made timely payments. I haven't missed any payments
Product: Credit card or prepaid card

This bank treats me horibke I lost my job and they want {$500.00} when I call they say I qualify for a payment program for 5 years but then when they enroll me they say their system wont allow them I cancelled I told them the credit counseling and they say they dont see this is ridiculous
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX No phone # available Reason : Auto Loan Duration : this inquiry is scheduled to continue on record until XX/XX/202XXXX XXXX
Product: Mortgage

I was pre-approved for a conventional loan for an investment property on XX/XX/2020. Today is XX/XX/2020 and I have missed two closing dates and can not get an answer as to when I will be able to close. Due to the lack of communication between the lender, attorney 's office, real estate agents and I, I have been forced to pay an additional {$500.00} in due diligence money on top of the {$500.00} I originally paid. I am also currently paying rent for the home through a buyer 's possession negotiated so my renter 's could move in even though I have been unable to close. These renters were relocating from another state due to job relocation and needed a place to go. Now the seller is considering terminating my contract and I've done everything I can to move this process along. I have provided all the requested documentation several times over and have been asked to justify documentation provided multiple times. I have already been approved for the loan so I can't understand why I can't just close on move on from this. This is the last time I will ever get another loan through Freedom Mortgage and I am sick by the way I've been treated throughout this process. I was going to walk away and use a different lender but was talked into staying on the promise of closing on XX/XX/2020, which also was a lie.
Product: Credit reporting, credit repair services, or other personal consumer reports

I currently disputed a Repossession on my credit reports with the three major reporting credit agencies, they have failed to provide veriable proof of the debt. My information was inside of a data breach and my information was breached and account was opened in my name. Please further investigate this matter because I am in the process of purchasing a home and this information is damaging my credit history. In accordance to the FCRA, I have the right to receive accurate information and anything that is not accurate or validated is a violation of my consumer rights. Please resolve issue thank you so much.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 us code? 1605 determination of finance charge. 
Look at the spelling of my name, XXXX XXXX XXXX, XXXXXXXX XXXX = fact=correct. Any thing alse is null and void. Fraudently convayed language is with charges of pergery that will hold up in the foreign vessel on dry doc. With evidence in hand. I'm going to give you10 days to fix this problem. Starting now.
Product: Checking or savings account

Please refer all my complaints about Keybank. My online access is not working and it has been complained in the past. But now Keybank sent me a new letter. 
It seems in this bank - nobody talks to anybody and nobody is aware what's going on.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXXXXXXXXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX  XXXX XXXX Balance : - XXXX XXXX XXXX XXXX XXXX Balance : {$78000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX ( Original creditor : XXXX XXXX ) XXXX Balance : {$5000.00} XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX NV XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

Under the stipulations of 15 US Code 1681i ( 6 ) ( B ) ( iii ), it is mandated that consumer reporting agencies ( namely Experian, XXXX, and XXXX ) are required to furnish a written notification to a consumer ( in this case, myself ), upon request, detailing the methodology employed to verify the accuracy and completeness of the record information. This includes providing the name and address of any information provider contacted during the verification process, along with their contact number. Over 30 days ago, I solicited documentation to substantiate this account, yet I have received no such documentation. Without legitimate proof backing this account, it has no basis to be included in my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please reverse the late payments reported on the following accounts : XXXX/XXXX   XXXX and XXXX  XXXX XXXX account was never past due, i never made a late payment to this company ever please change this, i have a good relationship with these companies.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a letter from CFPB on XX/XX/XXXX, that you closed my complaint to protect my PRIVACY. I called Equifax after I purchased a credit report from XXXX XXXX on XX/XX/XXXX. After receiving a copy of my report, I saw these Account : XXXX XXXX Balance Owed : {$0.00} Date Opened : XX/XX/XXXX ( Late 30 days XX/XX/XXXX ) / ( Late 60 days XX/XX/XXXX ) on my credit report which is UNKNOWN to me. This is disappointing because I have been paying XXXX XXXX to get a report every month and I have been disputing fraud accounts on my credit report all this time. One of the staff told me to visit https : //www.ftc.gov/ and Report the Fraudulent account and have them UPDATE from my credit file. Ive attached a copy of the identity theft report ( FTC report # : XXXX ), and guess what I found? Per Fair Credit Reporting Act Section 605B ( a ) the credit bureaus are required to update/correct any account which was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

A copy of my Registration Certificate, drivers license, and Social Security Number are all included in this complaint. I want you to know that I am telling the truth and by Equifax not correcting this account is inadvertently resulting in me being extorted.
Product: Credit reporting or other personal consumer reports

I am writing to express my concern regarding unauthorized inquiries listed on my recent credit report. After reviewing the report, I have identified the following unauthorized inquiries. These unauthorized inquiries have adversely impacted my credit standing, making it difficult for me to apply for new credit. In light of this, I demand that you remove the listed inquiries 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is my XXXX endeavor 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, block 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, LA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$550.00} XXXX XXXX Balance XXXX {$130.00} XXXX XXXX Balance : {$0.00}
Product: Checking or savings account

On XX/XX/18, I opened an account with CITIBANK for Account Package Checking/Savings. This account had a opening promotion tied to it for {$400.00} after meeting certain qualifications. These qualification include depositing {$15000.00} within 30 days of account opening and maintaning that balance for 60 days. I deposited the {$15000.00} on XX/XX/2018 and have maintained that balance ever since, up to and including today, XX/XX/XXXX.  Citi says the bonus should be posted within 90 days of account opening and I have not yet received this bonus of {$400.00}. After contacting Citibank, they refuse to acknolwedge the promotion and I get transferred from one agent to another who has no idea what the promotion is.
Product: Credit card or prepaid card

Hi theres two capital one accounts in my name also a checking account which I never opened due to me having bad credit and not applying for anything since 2017. Ive already filed complaints to capital one and Ive assumed theyve gone unnoticed the next step is a lawsuit for pain and suffering and trying to get this matter off of my credit because I havent applied for anything from capital one never needed a credit card
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act. The list of accounts below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXXXXXX XXXX open date XX/XX/XXXX. 

XXXX XXXX  open date XX/XX/XXXX. 

XXXX XXXXXXXX open date XX/XX/XXXX. 
15 U.S.C 1681 section 602A. States I have the right to privacy.

15 U.S.C 1681 section 604A section 2. 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 agency may take any consumer report containing any of the following items of information and/or any other adverse idea of information, other than records of convictions of crime which indicates the report by more than 7 years.

15 U.S.C 1681S-2 ( A ) ( 1 ) a person shall not furnish any information related to a consumer through any reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting 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 has violated my rights. 

And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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.

15 U.S.C. 1681B ( 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: Mortgage

XXXX XXXX  in my previous complaint did not address why they violated Regulation B and did not respond within 30 days. there is a message received on XX/XX/XXXX XXXX XXXX from XXXX with XXXX XXXX Bank in XXXX that he received my application. the bank sent the denial on XX/XX/XXXX almost 90 days later. I feel that I was treated unfairly and then XXXX XXXX  called with denial that did not explain all the reasons for the denial and instead they discouraged me to proceed with the refinance because of the high rate in my situation and instead told me to apply for the modification that was denied. they refuse to provide me any additional options. the only option they may consider is short sale which I refuse to do and want to stay in the house
Product: Credit card or prepaid card

An annual recurring benefit of the US Bank XXXX XXXX XXXX XXXX credit card is a {$100.00} software credit. Between today and XX/XX/2021, I performed my due diligence prior to purchasing a monthly XXXX XXXX XXXX XXXX - I called in and asked US Bank customer service to confirm that a monthly XXXX XXXX XXXX subscription would qualify for the annual software credit and multiple US Bank XXXX confirmed and assured me, on a recorded and monitored line, that this recurring purchase would qualify. Therefore, I put my trust into them and proceeded with the purchase. After XXXX consecutive months of purchases, I called in to inquire about the software credit. US Bank again assured me it would post, but that it can take up to XXXX extra billing cycles to reflect so I waited XXXX more cycles and still no credit was received. I called them back today and the first representative claimed this benefit does not even exist. Then I escalated it to a supervisor and they, too, initially claimed it does not exist until I provided a direct link to the advertised benefit. Then they changed their story to say that my purchase does not qualify due to the XXXX XXXX XXXX. However, I have multiple US Bank representatives confirming and reassuring me, over recorded phone calls, that I would, indeed, receive the full {$100.00} software credit. I understand that US Bank does not control the XXXX so if that is the case, they should not have representatives confirming and reassuring something that is not 100 % certain because that would be misleading and deceptive towards customers like myself. This could all have been avoided had customer service conveyed that they were not entirely sure that a monthly XXXX XXXX XXXX subscription would be eligible. If they relayed it to me that way from day one, then I would not have proceeded with this subscription in the first place. Please check the recorded call history as proof of my claim.
Product: Debt collection

Continued to call even though I asked several times that they stop phone communication with me and mail the information to me. The person on the phone said they do n't mail information. 

Then they told me I could be taken to court, but when they found out I am on XXXX they said civil action would be taken. 

I have XXXX with XXXX and each time they call they exasperated my XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX and I would like my situation investigated please. I have disputed a very old account over and over again that is appearing on my Equifax and XXXX credit reports. Its been over 7 years that this XXXX account # XXXX ... has been inactive and paid and it is still showing false and incorrect information against me and its been ruining my score for so long now. I have contacted the bureaus individually and was not given any investigative results and also I 've contacted the company directly as well and was not given any forms of papers or validation to show me how and why this account is still appearing on my reports. <P/>I have repeatedly asked this account to be removed as it is defiling my credit report because violating FCRA law section 605. ( 15 U.S.C. SEC 1681c ) part ( a ) number ( 4 ) : it states " accounts placed for collection or charged to profit and loss which antedate the reports by more than seven years ''. <P/>XXXX 's does not even posses any paperwork with properly dated material that shows precisely when the last amount was paid and sent straight to profit and loss. This was in the very beginning of 2010 and both accounts have been re-aged, are inaccurate and make no sense compared to eachother. They both contain dates off by years and XXXX has been completely ignoring any of these discrepancies which I have been stating. There is no proof of dates or reasons and nothing was provided to me initially when I requested a proper investigation from Equifax, XXXX and XXXX XXXX. Therefore this is outrageous and illegally reporting against me.
Product: Money transfer, virtual currency, or money service

PayPal banned my account, I comply this legay agreement, this a new PayPal account no transaction history record., but shut down my account immediately.i don't know what happening in my account. 

Thank you CFPB for understanding and assistance. 

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

I am filing this complaint against Zelle ( operated by Early Warning Services , LLC ) for failing to provide adequate security and protections for users of its payment platform.Zelles negligence in safeguarding my transactions and its failure to address this matter has caused me significant harm. I am seeking monetary compensation for my losses and any additional relief the court deems appropriate.
Product: Money transfer, virtual currency, or money service

I have been seeing unknown charges on my account from XXXX. I reached out to XXXX on XX/XX/19 for resolution and they informed me that because of the merchant and type of transactions that they can not offer a refund. I tried reaching out to the merchant, XXXX XXXX, on XX/XX/19 as well, but I have yet to receive a response from them still to this day. I then reached out to Cash App on XX/XX/19, which is my debit card holder. Cash app canceled my card and mailed me a new card. They told me I would here back from them within 10 days. They responded to me on XX/XX/19 and told me that my dispute was declined by their disputes team and for me to contact the merchants. I asked for them to provide me with proof that they tried to reach out to the merchants on my behalf since I had already explained that I tried that first. I was told that they did not try. I dont understand what I am left to do?
Product: Credit card

First, a watch I purchased via the Apple website using my Apple Card did not get the discount that was described in the benefits of the card. Second, I had an unusual transaction that I wanted to dispute. Upon disputing the claim, I was met with what seemed to be AI in nature which did not allow me to select my issue and thus had to wait for an actual human to dive deeper into the matter. This matter still has not been resolved in two months and I have not received any credit to my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I wrote to the credit bureaus ( XXXX, XXXX & Equifax ) requesting an investigation into items that I believed were inaccurate. To date, I have not received a reply from either of them or any acknowledgement that an investigation has begun. 
I have attached proof of delivery from the postal office.
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 U.S.C 1681. 
Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX. 
15 U.S.C 1681 Section 602 A : States I have the right to privacy.

15 U.S.C 1681 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681 C ( 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: Debt collection

Chase has violated 15 US 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus
Product: Credit reporting or other personal consumer reports

My account with the company and i was never late! I have had exceptional payment history with this company 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

I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report. 

XXXX XXXX {$2500.00} XXXX XXXX  XXXX  XXXX {$340.00} XXXX  XXXX XXXX {$400.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$630.00} XXXX  XXXX XXXX {$760.00}