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

On XX/XX/year> I mailed, contacted the credit bureaus challenging their violation of the Fair Credit Reporting Act on my personal credit report, until today the named credit bureau has failed to correct any deficiency and correct per compliance of the Fair Credit Reporting Act.
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 items : 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

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Please remove these items. 
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, credit repair services, or other personal consumer reports

I have contacted Experian multiple times during the past two months.And XXXX XXXX  as well, I spoke to XXXX XXXX  today with regards to two Accounts listed on my Credit Report and that Experian has both Accounts listed as CURRENT.I was told that there has to be an " Investigation '' .I informed the Customer Service Representative that there had been several investigations.And the fact that I had one Account only, needed to be submitted to Experian immediately. 
Experian refuses to realize that there is one Account.According to XXXX XXXX it is being reported every month as one Account. 
In addition, Experian is reporting that I have insufficient Income which is also inaccurate.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I asked the bureaus to remove hard inquires that were duplicate or pulled all within a short period of time, they responded that I would have to call the companies and provided me with phone numbers. I reached out to XXXX companies and they had no records of me in the system or that I was declined or approved and I was going through Identity theft which Experian just flat out ignored which allowed these to happen. Some numbers weren't even the companies and some of them have different number's..
Product: Debt collection

OnXX/XX/2018 this debt for XXXX appeared on my credit report. I have no knowledge of this debt. I am requesting a signed confirmation with my signature that I opened this account. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting on my credit report. Please don't respond to my request by saying that this account has been verified. Send me copies of the documents that you have in your files that were used to verify this account. If you do not have any documentation in your files to verify the accuracy of this disputed account then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for the account listed within 15 days of receipt of this then you must remove the account from my credit report.
Product: Prepaid card

I am on Paid family leave for XXXX in California. I was confirmed to to be paid a total sum of {$6300.00} for XXXX weeks of paid family leave. On XX/XX/XXXX I was approved and was notified over mail that they would send me a Money Network debit card. I waited about XXXX weeks of business days. My card never arrived so I called Money Network and told them I have not received my debit card. I was then told on the phone that I already withdrew my money from my debit card. I notified the Money Network employee I havent even received my card in the mail at all. The employee then said they will send me a dispute form. I have not received any type of dispute form. Once I do get a form and send it, may take up to XXXX to XXXX business days to see if they can even return me my funds. They made XXXX withdrawals of money on my card to steal my money. I never received a card from Fiserv Money Network or a dispute form or my money back. How can someone activate a card so easily and steal the money. Shame on Fiserv Money network.
Product: Debt collection

When I reached out to LVNV FUNDING about a debt they claimed I owed, I requested a debt verification. To my surprise, I received a letter stating that the debt had been verified, but no supporting evidence was provided. I immediately disputed the debt and requested written proof, but it's been XXXX months and I still haven't heard back from them. Every time I try to follow up, I receive a letter confirming the validity of the debt, yet they still fail to provide any proof. The total amount in question is {$900.00}, {$770.00}, and {$340.00}. Despite my repeated attempts to resolve this, it seems LVNV FUNDING is unwilling to provide the evidence I need to verify this debt. It's frustrating and I'm determined to get to the bottom of this.
Product: Credit reporting or other personal consumer reports

In XXXX, I sent 6 accounts to XXXX XXXX XXXX so they could negotiate a reduced payment on my credit accounts. They froze all of my credit cards and loans and began negotiating with my creditors, including XXXX. They also paid off all six creditors. For this particular account ending in XXXX XXXX they paid XXXX {$5300.00}, then paid another third party company {$5300.00} and then for some reason it went back to XXXX and I had to pay a third time {$5300.00} in XX/XX/XXXX. So I have paid three times. Now my credit report says I still owe XXXX over {$6000.00} but I have a settlement letter saying it was paid. I have attempted to remove this multiple times and even called the company directly but both all credit reporting agencies say it is valid and will not remove it, even though I show them proof of payment from XXXX as well as the settlement letter from XXXX.
Product: Money transfer, virtual currency, or money service

I have an account with DailyPay. They keep track of my paycheck and can give me access to some funds early. I do not use this. They have my bank account direct deposit on file. My pay always goes to my direct deposit at my bank. This is reflected even in DailyPay app. Today they transferred my paycheck to an old credit card account without my permission or authorization. They did this without any authorization. This is unethical and bad shady business. The customer service is beligerant and rude. They are dismissive dishonest and rude. I am shocked that without my personal permission they directed where my money should go. They do not have the right. XXXX is unwilling to help or provide any information. He is located overseas possibly in XXXX or XXXX. They show no accountability and lack of care. Close to XXXX XXXX dollars was diverted from me without my permission. This is shady business practice and disingenuous behavior
Product: Credit card or prepaid card

I was shocked when I reviewed my credit report this morning and found late payment on the dates below :XX/XX/2018 I am not sure how this happened, I believe that I had made my payments to you when I received my statements, which might of been applied to the wrong card as I have 2 of them. I specifically got this card to start building my credit systematically. My only thought is that my monthly statement did not get to me for the correct card.
Product: Money transfer, virtual currency, or money service

I used zelle to make money transfers and unfortunately I ended up with a negative bank account that was closed due to a negative account balance of {$1000.00} us dollars!
Product: Credit reporting, credit repair services, or other personal consumer reports

CFPB NEEDS TO INVESTIGATE THIS NOW!!! This is in rebuttal to case XXXX. XXXX XXXX XXXX  is in violation of UDAAP, Reg Z Billing disputes and FCRA! They continue to report my account past due for XXXX and XX/XX/2020!!! They clearly know I had XXXX  in early XXXX and did not get out of the Hospital and back to normal until early XXXX!!! NO ONE WOULD TALK TO MY HUSBAND TO GET ME ANY HELP ON MY ACCOUNT!!!! THEY SAID HE WAS NOT ON THE ACCOUNT AND COULD NOT ASSIT HIM!!! HE THEN PASSED AWAY FROM XXXX  IN XXXX BY THE TIME I COULD GET IN CONTACT WITH MY XXXX XXXX I HAD {$100.00} 'S IN LATE FEES AND MY CREDIT IS RUNIED!! They told me, oh had they been aware, there was options that could had prevented all of this!! Well my husband tried making them aware!! They would not talk to him!!! The same for my XXXX Account! I almost died from XXXX  AND THESE XXXX UP LENDERS DO NOT CARE ABOUT THE CONSUMER!!! THIS IS UDAAP!! HOW COULD I WHEN ON XXXX XXXX CALL ANYONE AND THEY WOULD NOT TALK TO MY HUSBAND! ONCE I COULD, I PAID THIS ACCOUNT IN FULL AND THE COLLECTION REP SAID, MY CREDIT SHOULD BE CORRECTED, BUT I WOULD NEED TO FILE A DISPUTE FOR BOTH THOS ACCOUNT AND XXXX. HE SAID SOMEONE SHOULD HAD TALKED TO MY HUSBAND AND I SHOULD HAD BEEN OFFERED THE ASSISTANCE OPTIONS THAT WERE AVAILABLE!!! I PAID THIS ACCOUNT IN FULL AND THEY TOLD ME MY CREDIT SHOULD BE FIXED NOW FIX IT!!! I HAD TO CREMATE MY DAUGHTER WHO DIED FROM XXXX LAST MONTH BECAUSE THESE CARELESS XXXX  RUNIED MY CREDIT!!! I COULD NOT AFFORD NOR GET A LOAN TO GIVE HER A PROPER FUNRAL!! THEY NEED TO BE HELD ACCOUNTABLE FOR THIS!!! OH - THE REG Z VIOLATION IS THEIR FAILURE TO RESPOND TO MY BILLING DISPUTES I ISSUED TWICE!!
Product: Credit reporting or other personal consumer reports

This is the second time I've updated this questionable information by sending a letter to the XXXX credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
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: Debt collection

Jefferson Capital Systems reported a debt that I do not owe and then reported to XXXX, XXXX and XXXX Credit Reporting agencies as a collection account and also as a new account recently opened to completed damage my credit. I requested validation of the debt and also to delete the collection account from the credit bureaus to no avail.
Product: Mortgage

My loan was sold and is now being serviced by Fay servicing. I was sent a bill where my mortgage went up {$160.00} a month and they claim its due to escrow shortage. My payment was and has been for a long time XXXX the only increase would be in tax increase, Fay servicing changed my payment to XXXX and says its due to escrow shortage. They are requiring XXXX in escrow. I have asked them to send me documents on this and they havent sent me anything. I was not late in my escrow payments and I was Current on all my payments. I told them I lost my job in XXXX and I simply cant afford it. I dont understand why they require more escrow than any other mortgage company or service lender. This is consumer exploitation and they arent providing any documents to justify their decision of 2 months escrow. I never signed any paperwork agreeing to their terms or given the choice to have another lender service my loan. This is unscrupulous practices and deceiving to the consumer.
Product: Credit reporting or other personal consumer reports

XXXX is obligated by the FCRA to report accurate accounting, consumer has advised all the inquiries report it was fraud said company had four days according to law to remove such items. FTC fraud was filed on behalf of consumer, consumer is now requesting XXXX to provide the documentation used to determine inquiry was indeed authorized by the consumer XXXX has 15 days to provide me with the name of the person spoken to, documentation use, signed application with consumer wedding signature, consumer is not asking for an XXXX XXXX report. If XXXX does not have documentation to show these were in fact authorize it must be removed ASAP. Said company is liable under the SEC to follow certain rules. XXXX commission valid number. XXXX. XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX , NY XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  , XXXX XXXX XXXX, NY XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX , GA XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX , XXXX , NC XXXX. I will be filing form XXXX treasury OMB forms to audit consumers account XXXX is secure enticing consumers data yet refuse to provide consumer copy of their consumer file not consumer report.
Product: Credit card or prepaid card

The bank sent me a letter stating " We're writing today because you haven't used your TD Credit Card account for at least 16 months. We've closed your credit card account with use because it is inactive.... you have 60 calendar days from the date of this letter to redeem remaining rewards points before they are forfeited. '' First, this is not true : the card has been used within the past 16 months as reflected in monthly statements. 

I called the customer service number to attempt to redeem those remaining rewards and despite the website saying 24/7 availability, the customer service rep said no, that department is only limited hours, you have to call back the next day at a different number. I did, and had to go repeatedly re-enter full card number and authentication information into a system that couldn't find the account ( presumably because it was closed ). The rep there said they could not redeem the remaining rewards because it the available amount ( {$8.00} ) was less than the {$25.00} threshold and because the bank closed the account there's no way of getting it there, so the bank will just keep remaining amounts from this " Cash back '' card they sold as having great benefits for " cash back '' of a small percentage of purchases. When I asked for the advertised cash back to be applied I was transferred to applications, then back to rewards, then to customer service, and back, being told by folks in the rewards department there aren't any supervisors who can deal with the issue there ( only in customer service ) and in customer service that they don't have anything to do with any rewards ( they only sell the great benefits of those cash back rewards that can't actually be redeemed ) and they're not willing to do anything about fixing issues that led to the false statements in the letter ( e.g. the 16 month inactivity opening line, which just isn't true ). Each person I spoke with had to get all the authentication information ( full card number, full name, data of birth, last four digits of social security number, current and previous full address ) all over again ; it wasted lots of time and still did not yield results.
Product: Credit reporting, credit repair services, or other personal consumer reports

CFPB LATE PAYMENT There seems to be an error on my consumer report furnished by ( American express and XXXX XXXX ). On my consumer report, there is a late payment reported which is causing me damage to me as a consumer and limiting my ability to extend credit. I allege that ( American express and XXXX XXXX  ) is willfully and knowingly furnishing inaccurate information and defaming my character as a form of extortion. According to 15 U.S. Code, A creditor may not treat a payment on a credit card account under an open-end consumer credit plan late for any purpose. According to 12 CFR Appendix B to Part 1022 I never received any the model notices stating that any negative information would be furnished to my consumer report. Why is this inaccurate information being reported when I have never received notice of the information and congress has stated there shouldnt be any late payments? Is ( American express and XXXX XXXX  ) attempting to cause some form of harassment to me and violate my right as a consumer purposely? I was never given a reasonable way to opt or limit sharing my creditworthiness according to their privacy policy. Payment defined under 15 U.S Code 78m Payment is define as commercial development of oil, natural gas, or minerals therefore what form of payment has ( American Express and XXXX XXXX ) has been excepting for the last years of under the United States Code it is define as commercial development of oil, natural gas, or minerals? 
Is there a yield of the investment on the account due to me? Has the true nature and fitness of the agreement been provided to me? The inaccurate, false and fraudulent information being furnished on my personal consumer report needs to be corrected immediately as it is causing damage and defaming my character. I am demanding a response within an appropriate time of 5 business days to answer each concern I have raised in this complaint or I allege that there is a due yield of investment that has been misapplied as a billing error and shall be Returned back to me.
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 XXXX XXXX XXXX. 

Account Name : XXXX AUTO Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX and list of Inquiries. 

XXXX XXXX XXXX section XXXX A. States I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) 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 XXXX years. 

XXXX XXXX. XXXX ( A ) ( XXXX ) 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: Checking or savings account

When I open this account I signed agreement stating that I did not want over drafting and frees from my account. But today XX/XX/2019 I logon into my account and my account is overdrawn {$430.00} which was because on XX/XX/2019 I filed a Claim Disputed against XXXX XXXX  which when I filed the representative check my account the system and informed me that the merchant did not reserves the changes and continue with the claim or dispute. I'm really concerned that with hours awaiting credit and investigation that Chase Dispute and Transaction did not notice that they credit already and when the merchant credit the account then Chase should have keep the credit since they have already credit my account. I another problem that they informed that they is credit on XX/XX/2019 but when I log into my account I can not see the credit of the transaction if Chase is giving customer access to they account me and others should be able to see the credit. I extremely tired of long in the website and not having access or they changing my password with my permission. Chase Claim Dispute Number is XXXX Option 1 and they Dispute Transaction Number is XXXX same number the both them. I was when call the dispute or claim or charges that They did not finish my claim because I want to speak to supervisors and the submitted it as inquiry. How do you submitted a claim or credit on Inquiry. This should be illegal for me and other to call and dispute charges and it submitted only as inquiry. The Supervisor for the claim department Complaint Number is XXXX. Please investigate Chase Bank policies and ensure that all United States Federal Regulations are being apply to me and other customers. All misconduct and mismanagement found all individuals involved be convicted according to United State Federal Regulations
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I sold a significant amount of stock through the XXXX ( XXXX XXXX ) platform. As a U.S. citizen residing in XXXX, the funds were supposed to be transferred to my U.S. Dollar account in XXXX. However, three weeks have passed, and I have not received the wire transfer. 

XXXX has informed me that they escalated the issue to HSBC, as they are the intermediary bank involved in the transfer. However, every day when I inquire about the status, I receive the same response : that they are waiting for a response from HSBC. Despite my requests, XXXX has not been able to provide me with direct contact information for HSBC, preventing me from seeking updates directly. 

This is not the first time I have sold shares on this platform ; previous transactions have successfully deposited funds into my XXXX account. I have not changed any of my banking information, so an error in the details provided for the wire transfer can be ruled out. 

As an independent contractor, I need to make my tax installment payments in XXXX, which includes paying the income tax resulting from the vesting of these XXXXs. This payment is due in the coming days, and if I fail to make it, I will incur penalties with the CRA in XXXX. 

I have repeatedly asked XXXX for documentation related to the investigation to provide evidence to the CRA explaining why I may not be able to meet the installment payment. However, XXXX has told me that they can only provide documents available through my account, such as a statement showing the stock sale, and can not provide any additional documentation. I have been in daily communication with XXXX for approximately two weeks, but have not received any meaningful updates or resolution.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX I am writing to formally dispute an inaccurate entry on my credit report. The account with XXXX  XXXX and account number XXXX. This inaccurate reporting is negatively impacting my credit report. I am requesting that the Consumer Financial Protection Bureau investigate this issue and ensure that the account status is corrected. As per the Fair Credit Reporting Act, if the information is not corrected, the account must be removed from my credit report. I would appreciate your prompt attention to this matter and kindly request that I be informed of the steps taken to resolve this issue. Thank you for your assistance.