23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

A little over a month ago I opened an American Express business account. When my first bill arrived I was quick to call them ( early XXXX ) as they were billing me at a time of month that was problematic. I was informed by the representative that my bill would be changed for the next billing cycle, which would have made this bill due in XXXX. However, AmEx delayed this request and instead is attempting to charge a late fee for a late XXXX statement, despite the fact that I was promised I would now be on a cadence to pay in the first week of each month. This manner of business is highly unethical and clearly meant to confuse customers and extort funds as late fees. I demand that this bogus {$40.00} fee be removed from my account immediately. Please note that a simple review of the calls ' transcript will prove that I was informed that the change in billing cadence was made, would be in effect for my next bill, which would be XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax did not exercise their grave responsibilities.They were unfair impartial and did not respect my rights!
Product: Mortgage

I have not received a statement from Greentree since XXXX. the last correspondence i received was an escrow analysis that was dated XXXX XXXX. I have called at least XXXX times a month, every month they say XXXX is in the mail. I was guaranteed this month that one would be in the mail by XXXX XXXX, I am on the phone again, and they are telling me they once again did not mail XXXX. I am on the phone with XXXX id # XXXX who claims to be a supervisor yelling at me telling me i am lying. It is appalling that all i want is XXXX statement to pay my bill. I have XXXX mortgages and XXXX car payments. Please explain why this is the only company that can not get me a statement. I am now talking with XXXX, Lead id # XXXX he is saying that the flag was just removed this month. Greetree will NOT send me statements this is absolutely frustrating. Why is it i get the escrow analysis and offers to refinance but i can not get a statement
Product: Credit reporting or other personal consumer reports

This morning, I found unauthorized inquiries on my credit report, and I have no idea why theyre there. I check my report regularly, but this time there are unexpected errors. I even refreshed my browser multiple times, hoping it was a mistake, but the inquiries stayed. I urgently need the documents I sent to be carefully reviewed so I can feel at ease again.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : XXXX XXXX XXXX  : Account number : XXXX XXXX XXXX XXXX : Account number : XXXX XXXX XXXX XXXX : Account number : XXXX XXXXXXXX XXXX XXXX XXXX : Account number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

equifax is in violation of the consumer protection act and XXXX XXXX it has been more than 60 days on my dispute and they still have not remove the item XXXX and XXXX has but equifax has not!!!!!!
Product: Credit reporting or other personal consumer reports

Equifax, XXXX, and XXXX  will not allow me access to credit reports. I have tried to call to speak with someone several times and was hung up on. I get to the verify my identity with the automated system and by the time I get to the multiple choice questions I get the response " unable to verify my identity ''. I am in the process of mailing a form to get my free credit report at this time however I believe the information they have on me is totally inaccurate as I have had NO credit whatsoever as I am XXXX currently.
Product: Credit reporting, credit repair services, or other personal consumer reports

My issue is with  XXXX   XXXX .     I missed payments because at the time I was very young and did not have a general understanding of how all student loans work. I applied for deferments and forbearance 's, but was never told or educated in regards to how long each would normally last and when to reapply. Over the past years, I have experienced job loss, financial hardship, and transitioning into  XXXX   XXXX   XXXX  including   XXXX   to  XXXX   XXXX  and  XXXX . I have taken steps to ensure my financial responsibility moving forward. After finding out that my student loans were in collections a few years ago while I was in  XXXX , I quickly paid to get them out, but my credit report still shows the closed student loans with late payment statuses. These loans were transferred to  XXXX  afterwards but the old loans from  XXXX   XXXX  are still showing on my credit report. I reached out to them through disputing through the credit bureau 's and have also sent them a letter directly and received nothing back.
Product: Credit reporting or other personal consumer reports

I was a victim of Idenity Theft, in XXXX, while overseas working as a government contractor. 
Upon my return last year, I pulled my credit and noticed XXXX XXXX XXXX XXXX 's on my Trans Union credit report. I approached Trans Union in regards the public records. I have not received a response from Trans Union. I sent multiple letters proving that they were not my public records. They refused to assist me with this. The following cases are below : XXXX XXXX XXXX case : XXXX XXXX XXXX XXXX case : XXXX XXXX XXXX XXXX case : XXXX XXXX XXXX XXXX case : XXXX
Product: Checking or savings account

I keep receiving emails from Bank of America saying congratulations on opening your new account
Product: Credit card

I was charged by a company called XXXX XXXX XXXX XXXX {$1300.00} for an item that was only XXXX XXXX While traveling in XXXX. I disputed this with Capital one three times and the charge was reversed each time. I have asked to see what proof the company XXXX XXXX XXXX has provided but have not been shown any yet the charge keeps getting reversed with a statement saying they provided confirmation.
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information on my credit report, which I initially contacted Equifax about on XX/XX/XXXX. Despite my attempt to rectify the situation, I have not received any response from Equifax to date. I would like to provide the following details regarding the incorrect information and request the necessary corrections : The account under the name " XXXX XXXX '' ( Account Number : XXXX, Date Opened XX/XX/XXXX, High Credit {$10000.00} ) does not belong to me. I kindly request the immediate removal of this account from my credit report. 


The account under the name " XXXX XXXX '' ( Account Number : XXXX, Date Opened XX/XX/XXXXXXXX XXXX XXXX {$2000.00} ) was never late. I request that this inaccurate information be corrected and updated on my credit report. 


The account under the name " XXXX XXXX XXXX '' ( Account Number : XXXX, Date Opened XX/XX/XXXX, High Credit {$520.00} ) was never late. I request that this inaccurate information be corrected and updated on my credit report.
Product: Money transfer, virtual currency, or money service

Im am filling a complaint against Cash App ( Block Inc. ) 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 their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These acts have caused significant inconvenience and financial loss, and i seek appropriate redress for these violations.
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. 
Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

I looked at my Transunion credit report on XX/XX/year> and noticed some things are incomplete and not accurate. 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 ( XXXX ) 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: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 

Here is the item I am asking you to verify as 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

This morning I checked my credit report with XXXX and Santander Consumer USA is still showing on my credit report. They show a balance of {$11000.00} and this is old information dating back toXX/XX/XXXX. I see that the account # they use is XXXX. And the date they reported was XXXX. 
The date is wrong for when the vehicle was purchased and the car was wrecked totally and was not able to be salvaged. GAP insurance paid Santander along time ago ; so all information is incorrect.
Product: Debt collection

FIRST OFF I DID NOT REQUEST OR RECEIVE THIS LOAN. I LEARNED ABOUT IT FROM THIS COMPANY CONTACTING ME TO COLLECT USING A SCARE SCAM IDENTIFYING THEMSELV ES AS THE SHERIFF  'S DEPARTMENT NEEDING TO MEET UP WITH ME TO SERVE ME COURT PAPERS BUT WANTING {$1700.00}. AFTER REQUESTING DOCUMENTATION THEY HUNG UP ON ME REPEATEDLY. THE FOLLOWING MONTH THIS DEBT WAS REPORTED TO MY CREDIT REPORT. I HAVE DISPUTED THIS 3 TIMES AND ALL  XXXX  IT IS FOUND TO BE CORRECT. IT IS NOT. I HAVE CONTACTED THE COMPANY DIRECTLY AND THEY WILL NOT TALK TO ME BECAUSE IT HAS BEEN TURNED INTO COLLECTION, AND THE COLLECTION COMPANY SAYS THEY WILL SEND ME DOCUMENTATION BUT I NEVER RECEIVE ANY DOCUMENTATION ONLY SETTLEMENT PAPERWORK FOR {$130.00}. THATS A HUGE DIFFERENCE FROM {$1700.00}. PLEASE HELP ME SETTLE THIS ACCOUNT AND HAVE IT REMOVED FROM MY CREDIT REPORTS.
Product: Credit card or prepaid card

I HAVE A CHARGE ON MY ACCOUNT THROUGH BANK OF AMERICA THAT I REPORTED BACK IN 2014 WHEN THE CHARGE HAPPEN AND THEY DID NOTHING. I THEN TRIED TO REACH THEM WITH A FRIEND OF MINE AND SEE WHAT THE OUTCOME WAS AND THE REP FROM BANK OF AMERICA SAID THEY CAN ONLY GO BACK 60 DAYS. MY FRIEND EXPLAINED TO REP THAT IT WAS REPORTED BACK IN 2014 AND NOTHING WAS DONE AND REP SAID THERE WAS NOTHING THEY COULD DO.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting the date of last activity as XX/XX/XXXX Experian is reporting XX/XX/XXXX and XXXX XX/XX/XXXX, It is a violation to re-age a collection account and This account was paid and the creditor agreed to remove it from my credit report. 

XXXXXXXX XXXX XXXX XXXX running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX has posted on my credit report that I was past due prior to them transferring the loan and servicing to XXXX. In fact though, I was still on automatic payments when that transferred occurred and XXXX XXXX  XXXX even transferred my last payment, it may have even been final two payments, to XXXX so there was really no way I was late with XXXX XXXXXXXX XXXX, it's just really logistically impossible to indicate that it was late.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did requested a thorough investigation done through all credit bureaus ( XXXX, XXXX, and Experian ) and they did state that it was accurate and I did and double investigation myself and it is inaccurate. I have made several attempt to resolve this issue with the credit reporting agencies. I have been trying to resolve these issues since early 2022 and as of today no avail. 
According to the In accordance to the fair credit reporting act the following accounts has been verified and has violated my rights. 
XXXX XXXX - no account number available Amount : {$720.00} XXXX XXXX - Account number XXXX Amount - {$5900.00} XXXX XXXX XXXX, XXXX XXXXXXXX XXXX Amount : {$580.00} XXXX XXXX XXXX XXXXXXXX XXXX  Amount- {$580.00} 15 U.S.C 1681 Section 602A states I have the right to privacy 15 USC 1681 Section 604 Section 2 Agency can report anything on your credit report without have written instructions from me.
Product: Checking or savings account

I got an email saying my wife and I needed to sign some documents. When I called to see what it was about they said my wife ( whos been with chase for years ) was not a citizen of the US and she had to come prove it. So she did. Then, they said I had to come sign something as well. I did. They day I did they froze my account. 

I went to the branch of Chase bank where I set up the account, where after a couple hours, XXXX said he couldnt figure out what was happening, but not to worry, I could leave and he would call me by XXXX. He never did. 

The next day I went back to the bank and spoke with XXXX XXXX XXXX. She was very apologetic, but could offer no solution, and said to leave and she would call me when her business banker XXXX XXXX, was available. 

XXXX was the one who set up our business account originally and messed it up dismally in the beginning. She pretended not to be available and had XXXX call me back and direct me to go to a different branch on the other side of town and speak with XXXX XXXX, who had the solution. XXXX said if we went there, the problem would be resolved. 

Keep in mind my wife and I are running a start up business that takes a lot of time to operate. 

So, we both dropped what we were doing and drove to this other branch. We spent a few hours there with no solution once again. 

Meanwhile customers are unable to pay me and Im unable to access my business funds. 

So then comes Monday ( today ). I had several clients and meetings until XXXX XXXX when I finally made it back to Chase on XXXX, my home branch. 

I was told to wait in the lobby ( another hour gone ) until after consulting with XXXX XXXX right in front of me, XXXX came over and told me to go back to the other branch so I didnt have to wait At this same time my phone rang, and it was XXXX XXXX XXXX saying he may have a solution, but that my wife and I needed to be there together again. 

So, ad it stands, we have another appointment in an hour ( XXXX ), meaning this is the 3rd entire day weve wasted on this problem.
Product: Debt collection

I XXXX XXXX is writing this letter because of a debt that was placed on my credit profile by Jefferson capital systems ( XXXX  XXXX ). I was unaware of this debt until it appeared on my credit report. I didn't have the opportunity to assess or dispute this debt. If in fact you believe you gave me proper notification, please send me a copy of the certified receipt with my signature proving delivery and receipt. It is understood that a debt collector has 5 days to put me on notice that they acquired the debt from the creditor. I am to be notified by certified mail or mail with a tracking number advising me of the debt prior to the debt being placed on my credit report. It is my right to be in the position to dispute the debt prior to this debt being placed on my credit report. If you can not prove you notified me of this debt prior to adding this item to my credit report, the debt must be removed as it is a violation of my consumer rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called the XXXX/Experian/XXXX  after I purchased a credit report with XXXXXXXX. After receiving a copy of my report, I saw this UNVERIFIABLE item on my personal profile, I noticed that there was a account on my credit report which are misleading to me. I sent a letter to the 3 credit bureaus XX/XX/XXXX. I believe they have failed to authenticate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last complain and hoping that this XXXXXXXX XXXX XXXX XXXX Late payment XX/XX/XXXX, XX/XX/XXXX, 30 days late will be updated.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep concern regarding the unavailability of my credit score from your bureau. As a diligent consumer who consistently monitors their credit profile, I am troubled by the recent discovery that vital information seems to be missing from your records.
Product: Vehicle loan or lease

I have a new XXXX XXXX XXXX leased vehicle purchased in NY. I moved to NJ and have to register my vehicle in NJ. I have requested and sent 6 email to Hyundai Motor Finance to transfer the lease from NY to NJ dmv. The first email request was sent on XX/XX/2021 but they havent transferred the title yet. 

I have been calling them every day but the call center have no clue about the status. Each time I call them they ask me to resend the email again. The call center does not have access to Title department and cant even say what is wrong with this transfer request.

My current registration has expired and Im unable to drive the vehicle.
Product: Student loan

I had been in repayment with Sallie Mae/Navient for over 15 years. i needed reduction of payments, but i also wanted to pay pff principle. Over the course of 7 years, my principle never went down until an associate finally understood what I wanted. I did not have help from my family or parents on finances, and was ill informed and given repayment options that did not meet my needs. I would have never taken out that much money if I knew I to use the option to repay, nor would I have chosed anything that gave me capitized intreest charges. How can a company get away with students not paying down the princiaple for over 10 years??? that shoudl be illiegal.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed several disputes in attempt to have this account deleted from my credit report. One credit reporting agency deleted this account and the other two will not remove this account, I do not believe the other 2 reporting agencies have investigated this issue. If so, why isn't it deleted on all 3 bureaus XXXX is reporting XXXX XXXX acct # XXXX Equifax is reporting XXXX acct # XXXX This information is incorrect and should be deleted by the remaining bureaus
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency ( Report Number : XXXX ), 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 XXXX XXXX XXXX on XX/XX/XXXX under the Account Number : ( XXXX ), a Collection account opened at XXXX XXXX XXXX ( Original Creditor XXXX  ) on XX/XX/XXXX under the account number ( XXXX ), another Collection account opened at XXXX ( XXXX XXXX XXXX XXXX ) on XX/XX/XXXX under the account number ( XXXX ), another Collection opened at XXXX XXXX XXXX  ( XXXX  ) on XX/XX/XXXX under the account number ( XXXX ) These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO 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 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.
Product: Vehicle loan or lease

I received a copy of my consumer report which has ALLY Financial listed as an open and active installment loan account. This account has been charged off and sent to another outside collection agencies over 3 years ago. ALLY Financial refuses to have it removed from my credit report. They are no longer handling the file, when I called into the number provided no one is able to pull up my account. I spoke with a representative XX/XX/20 to have this resolved in she advise that she will have a letter faxed and sent to my current mailing address as removed. I called today in spoke with another representative to see if the request has been submitted in XXXX told me he could not find any account for me or with the account number on my credit report. This matter needs to be removed or updated accurately.