23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

When applying for a credit limit increase on your site you there is a check box that indicates " By selecting this checkbox, I am allowing the bank to access my credit report, if necessary. Please note that we can still review and consider your request for a credit limit increase without accessing your credit report. If you do not wish to grant permission for us to access your credit report, do not select the checkbox. '' I NEVER selected this option as I am in the process of clearing my credit of all unnecessary inquiries. Based on your site I never authorized your company to access my credit report and thus you have violated my rights as an individual ... As proof I have also requested an increase on my credit lines on XX/XX/XXXX and did not give approval for access to my report and I woke up with alerts stating my credit report was again pulled without permission.. Please remove the inquires on my report from XX/XX/XXXX ( XXXX XXXX, XXXX XXXX ) and from the original complaint of XX/XX/XXXX and XX/XX/XXXX. Thank you!
Product: Debt collection

XXXX XXXX XXXX Sunrise Credit Services XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX sent a debt collection parcel on behalf of XXXX XXXX XXXX XXXX XXXXXXXX devices that were damaged and not replaced by XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX 
The subsidiary stated that my account with XXXXXXXX XXXX XXXX did not qualify for replacement on devices that were less than three months old. 
The phone number above is the customer 's, my, phone number to the account noted above. 
XXXX XXXX XXXX also stated a anomaly in XXXX XXXX devices that refrained my XXXX watches to my XXXX devices. All being XXXX XXXX and up. The service provider and XXXX are not taking responsibility for all discrepancies regarding the failure of their product. 

Sincerely ; XXXX XXXX XXXX XXXX XXXX mail respond via parcel mail
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax used website to have personal information entered to give a reply if such personal information was compromised. Website that was used for this from Equifax has been reported as fake and may have compromised the information if it was not before.
Product: Credit card

This is related to the previous complaint against Citi in regards to closing my account. After receiving the complaint I issued previously, they called on Monday, XX/XX/XXXX at XXXX XXXX EST and left a vmail. Upon hearing the vmail, I immediately tried to return the call to 'XXXX  XXXX XXXX ext XXXX. The phone rings ONCE and then HANGS up on their end. I tried calling 6 times yesterday and once today getting the same result. I now have gotten a notice that I owe {$1.00} for interest on a dispute that should have never been on the bill at all. I also received the attached email to call their Executive Response team at the phone number and extension listed above.

This is nothing more than another DELAY TACTIC on the part of Citi who REFUSES to close my account. I also have another Citi credit card that I just received that I want to cancel as well. I should also not have to pay the {$1.00} interest charge for a charge that was not mine. I will NEVER back with Citi, nor recommend it to anyone. This is the worst I have ever had to deal with any financial institution!
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against TransUnion regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX  Account Number : XXXX Dates of Late Payments : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Nature of Complaint : I submitted a dispute to TransUnion disputing a late payment reported by PHL . I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment Made on Time : The payment was made on time, as evidenced by the attached bank statement showing the transaction on or before the due date. 
Natural Disaster Accommodations : This account was affected by a natural disaster, which should have precluded any late payments from being reported during the affected time frame. 
Clerical Error : There was an administrative error on the creditors part, not reflective of my actual payment behavior. My consistent payment history supports this claim. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, TransUnion has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 
As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

" Interest free '' credit offerings by Synchrony Bank are available through numerous merchants. While there is a disclosure regarding terms offered during the application process, those documents are not available within my on-line account ( or, if there, are not easily accessible ). 

I logged on to review my account upon being notified of my first payment and its due date. The full balance is clearly displayed as is my " minimum payment '' amount. What is not displayed is the expiration date of the interest free term. Also, the minimum payment is lower than that required to retire the balance at the end of that interest free term. 

In my case ( using approximate values ) I have a balance of {$15000.00} with an 18 month interest free term. My minimum payment is {$500.00}. If I pay the minimum payment every month I will have drawn my balance due down to {$6000.00} by the end of the term ( {$500.00} x XXXX = {$9000.00}. {$15000.00} - {$9000.00} = {$6000.00} ). 

At that point, I will begin accruing interest at 30 % per month on the {$6000.00}. 

The deception is in the opaque nature of the obligatory balance that will remain if only the required minimum payments are submitted. The site should clearly show the impact of doing that as described above, and also show the monthly payment required in order to pay the balance off at the end of the interest free term. 

Note that the company reported profits of {>= $1,000,000} for the second quarter of 2023 of which {>= $1,000,000} was returned to investors.
Product: Debt collection

The options in the previous section were not specific to my complaint. Midland Funding is the collection agency who apparently purchased a charge off from XXXX XXXX XXXX  in XX/XX/XXXX which was {$300.00} and is now {$630.00} as I pulled my report today and saw it reported to all three bureaus. I called Midland Funding to discuss the debt as I want it off of my credit report so I called to discuss options and I was told that they will not speak to me about the account because I submitted a cease and desist letter in writing to them in XX/XX/XXXX. I told them that I do not recall doing so, that I disputed the account on my credit report but that that was not a cease and desist request. After speaking to a manager I was told that I had to fax in a letter removing the cease and desist and acknowledging the debt and my identifying information and that then I could call back in 3 days to 10 working days to see if they could now speak with me. I explained that even if they had received a cease and desist letter from me that that meant they could not contact me, but not the other way around, that I certainly have the right to contact them about what they are reporting on my credit. I was not heard and was told again to send the fax if I wanted to discuss any options. I feel this is a violation of my rights and they are using deceptive tactics so that they can go back to harassing me and starting over a statute of limitations on how long they can continue to contact me.
Product: Credit reporting or other personal consumer reports

I am a victim of the XXXX data breach and would like all accounts mentioned to be blocked and deleted pursuant to 15 USC 1681c-2 ( a ).
Product: Credit reporting, credit repair services, or other personal consumer reports

IXXXX XXXX XXXX XXXX  along side XXXX XXXX, Equifax, XXXX and XXXX are all actively reporting incorrect information regarding a balance on an account. The balance is for {$6800.00}. This balance was paid in full, and has been for years. This needs to be removed, immediately, from my credit. This letter also serves as a letter of demand with intent to sue in accordance with the FCRA section 605. The aforementioned agencies will be receiving formal summons to appear in a civil court for violating the FCRA, FDCRA and consumer finance laws in accordance with state and federal guidelines. As such, the State Attorney Generals office and Department of Finance, along side state licensing board will receive complaints of illegal debt collection and reporting. You have until XXXX XXXX to comply with this lawful request for deletion of illegal debt reporting, no further communication will be sent, if this is not removed by the aforementioned date this will be seen in court for the before listed companies involved.
Product: Debt collection

I had a policy with XXXX XXXX which we paid timely every month. On the XXXX month they raised the monthly premium I paid that month and cancelled the policy and found different car insurance. They apparently, didn't cancel the policy. I found out they were charging me for a policy that I cancelled when I pulled my credit report. The credit report also shows past due amounts which is inaccurate. A collection account should never have a past due amount according to federal guidelines. It's illegal to report false information and this progressive account should be permanently removed from my credit report. They also have reported this account twice which again is inaccurate. Please assist on having these accounts permanently removed. 

We called the company a couple months ago and they refuse to do anything about it. 

Amount is {$1200.00} Amount is {$490.00} Dates reported was in XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX Thank You
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. the account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
I told the XXXX and Transunion to reinvestigate this account : Account name : XXXX -- - Account Number : XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. I requested proof of documents to this account and they could not provide any proof. 
According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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 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. 
Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case
Product: Credit reporting or other personal consumer reports

I am writing to express my gratitude for taking action to remove some of the fraudulent accounts from my credit report. However, my appreciation is overshadowed by deep frustration and distress over the incomplete resolution of my identity theft dispute. While I am thankful for the steps that have been taken, it is disheartening that not all of the accounts I am disputing have been addressed. This incomplete action leaves me in a state of uncertainty and distress, as my financial stability and peace of mind continue to be compromised. I urge your bureau to recognize the importance of finishing the work you have started. It is essential that all the fraudulent accounts that have been reported are thoroughly investigated and removed promptly. Piecemeal resolution only prolongs the anguish I have endured as a victim of identity theft. These are the fraudulent accounts left that you havent remove : XXXX XXXX XXXX XXXXXXXX and XXXX XXXX XXXX XXXXXXXX. Please remove these accounts ASAP.
Product: Debt collection

I had credit card HSBC account that was buy by Capital One Bank XXXX but the account was close and paid settlement XXXX for {$160.00} at that time. I did not received call or letter or statement. XXXX day I received a phone call stating I had Capital One Credit. I open credit card with Capital One up on XXXX/XXXX/2014 and charge {$660.00}. Capital one sell the same account to XXXX I have ask over the last year to remove from my credit bureau and also I have asked send me proof to me ware I signed a credit application with capital one in XXXX, I have not received any information yet
Product: Payday loan, title loan, or personal loan

I opened the account on XXXX XXXX, XXXX for the amount of {$300.00} or so. I was being charged excessive amounts of interest and was unable to make the payments. The company then proceeded to put my account into collections.
Product: Credit reporting, credit repair services, or other personal consumer reports

KIKOFF LLC company is reporting inaccurate information on credit report that was not authorized and by law the transaction is due to be reversed to paid as agreed. 
( d ) Consumer Report. 
( 1 ) In general.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title.

( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ;
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting this complaint to inform you again that I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from the alleged identity theft. 
These following items listed below are unknown to me. 
XXXX XXXX XXXX XXXX, IL XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$16000.00} ; XXXX XXXX  XXXX Balance : {$23000.00} ; XXXX XXXX XXXX XXXX Balance XXXX {$18000.00} ; XXXX XXXX XXXX XXXX : {$2700.00} ; XXXX XXXX  XXXX : {$2200.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I check my credit report and notice some things that does not belong to me. These accounts are stopping me from getting a loan approval. The account listed below is not mine. I sent in multiple letters and haven't received any feedback about my complaints. I don't understand what is really happening? Please help me out. 

XXXX  XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX
Product: Debt collection

JEFFERSON CAPITAL LL is reporting 3 debts with INCORRECT information to all credit reporting agencies. I have to resolve and they refuse to report correct information. I do not even know who the Creditors are, as they may NOT be my debts. I want the following debts REMOVED from my Credit Report IMMEDIATELY :. I have NEVER opened any accounts with Jefferson Capital. They are NOT an Original Creditor. JEFFERSON CAPITAL has INTENTIONALLY and MALACIOUSLY reported incorrect information.

1 ) Open balance {$810.00} Original Creditor JEFFERSON CAPITAL LL Opened XX/XX/XXXX ( XXXX yrs, XXXX mos ) Account status Open Type NOT INDICATED Responsibility Individual previously disputed account Original creditor name JEFFERSON CAPITAL LL 2 ) Open balance {$990.00} Original Creditor JEFFERSON CAPITAL LL Opened XX/XX/XXXX ( XXXX yrs, XXXX mos ) Account status Open Type NOT INDICATED Responsibility Consumer disputes this account information Original creditor name JEFFERSON CAPITAL LL 3 ) Open balance {$18000.00} Original creditor JEFFERSON CAPITAL LL Opened XXXX XXXX, XXXX ( XXXX yrs, XXXX mos ) Account status Open Type NOT INDICATED Responsibility Consumer disputes this account information Original creditor name JEFFERSON CAPITAL LL 4 ) Open balance {$1300.00} Original creditor JEFFERSON CAPITAL LL Opened XX/XX/XXXX ( XXXX yrs, XXXX mos ) Account status Open Type NOT INDICATED Responsibility Consumer disputes this account inforrmation Original creditor name JEFFERSON CAPITAL LL
Product: Credit reporting, credit repair services, or other personal consumer reports

I called these companies to complain about them they said it was in error that they will contact the company but they havent
Product: Money transfer, virtual currency, or money service

I am filing a complain 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 precent 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 requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have cause significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have paid off in full XXXX XXXX, but the company Wayfair/ Comenity Bank . As of XX/XX/2023. I have received serval phone calls stating the account is delinquent. The amount I paid off was {$24.00}, now Wayfair / Comenity are stating I owe {$170.00} in late fees. This is incorrect an unjust enrichment. I pay my bills timely and correctly you can check my credit report. I refuse to be extorted for fees that don't belong to me. The account number is # XXXX, I would like this corrected on all 3 credit reporting agencies as well a letter to me stating the correction. Thanks
Product: Debt collection

This agency took actions without presenting accurate documentation to consumer. Additionally, they did not inform consumer of the charges despite the correct information provided to creditors. Additionally, the agency refused to provide consumer with CFPB when compliant was issued. They only provided the information after consumer paid the debt.
Product: Debt collection

Resurgent Capital Services was the former name of LVNV Funding LLC. 

I have told them for months, this DEBT is not mine. They sent a lousy statement with my post office box. 

Anyone could have used this and did a forwarding. I reported this as ID theft some years ago. 

I want it removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Basis for the dispute : On XXXX Account # XXXX status is closed, but reports numerous lates and paid as agreed after reporting charged off with an open date of XXXX/XXXX/XXXX. XXXX showing last payment but reporting paid as agreed one month than late and or charged off next month ; On Transunion is reporting a different account open date of XXXX/XXXX/XXXX and payment history as not reported and closed as charged off with a date of last payment/activity XXXX/XXXX/XXXX
Product: Mortgage

My loan has since been declined on XX/XX/XXXX due to retaliation as the reason that was given by email is within guidelines and was being handled at closing as a payoff. Which was the main reason for getting the HELOC to begin with. The actual letter of decline is due no later than Tuesday of next week ( 10 business days ). I submitted my compliant to multiple regulators and I want this retaliation to be documented with my current compliant since now they are looking for sixty additional days. The compliant filed here was on XX/XX/XXXX and the original compliant which is currently waiting on a response is XXXX. I also have additional information as it relates to the appraiser, that I will share upon receipt of Truist response. Thanks!
Product: Credit card or prepaid card

In XXXX my credit card was stolen at a concert. The thief racked up {$990.00} dollars worth of fraudulent charges which my bank is refusing to refund me. After completing their " investigation '' USAA has determined that I am liable for those fraudulent charges. I would like a full refund please and thank you.
Product: Debt collection

Apple Card has violated the FDCA as outlined in XXXXXXXX XXXX XXXX XXXX XXXX., XXXX XXXX XXXX ( XXXX XXXX. XXXX  ), which states that a consumer report is a medium of communication and thus subject to cease and desist requirements. If Goldman Sachs continues to report I will have no other choice but to begin filing for arbitration.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Am a PROTECTED CONSUMER ( XXXX XXXX XXXX. I know my rights. I sent all the credit reporting agencies an official statement on XX/XX/2021 letting them know these accounts were fraudulent and inaccurate, and they were supposed to block or remove after 4 days of receiving. to this day XX/XX/2021, these inaccurate accounts are still reporting on my credit report. I feel as If my consumer rights are being violated, and I hope the CFPB can remedy this situation. I certify that this request to block was made NOT in error, and My request to block information was NOT based on a material misrepresentation, and I DID NOT knowingly obtain or should have known that I obtained possession of goods, services, or moneys as a result of one or more of the transactions that I am seeking to block. Under 15 U.S. Code 1681c2 you must block all fraudulent accounts.Since I attached my form of ID, PROOF OF ADDRESS, & SOCIAL SECURITY CARD, This complaint lists someone that your company should recognize as their customer or their customers authorized representative.