23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I originally filled my complaint XX/XX/XXXX. Still no response I filled a police report on the matter and gave bank of America the information on that matter. They still haven't given me a answer or provisional credits I've been kicked out due to not being able to pay my rent. I called and one of em filled a whole other claim starting my waiting period over still no luck Everytime I call I get the run around on the issue please I just want what was mine you guys can clearly see those transfer made is to a bank account that's not in my name can I get a lil compassion while you guys are investigating it's been 2months already still not a answer on the topic.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a credit card from XXXX XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX XXXX and they said their system mistakenly put me on paperless billing, which I did not request, and it caused my 30 day late. As you can see, I have always had a stellar payment record. I tried contacting XXXX, Equifax, XXXX, and XXXX XXXX with no successful resolution. XXXX, Equifax, and XXXX  reporting me 30 days late in XX/XX/2015. There was an error on their part. I was never 30 days late twice.
Product: Credit reporting or other personal consumer reports

Under 15 USCS 1666b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

In accordance with the fair credit reporting act, This creditor has violated my rights under 15 USC 1681section 602 states I have the right to privacy 15 USC 1681section 604 A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit card

I have had a credit card with this company for over 2 years, proven to be an excellent consumer, never been late with a payment, paid off the credit card balance more than twice. The company continues to charge me absorbent usury fees, monthly and annually and they have not given me the best interest rate available. Often the minimum payment I make is put right back onto the account in interest not reducing the balance. 
I opened this account with the company aware that I am on a fixed income, reporting an annual income of less than {$XXXX}, and that I am not employed. I had a credit card increase more than once, and I have been responsible. 
I am an American with XXXX, and I realize that I am being taken advantage of because of my condition. I especially, have been mentally challenged as being on a limited income. I have asked the company to close my account, however, I have been told it is better to keep the account open until it is paid off, which is tempting, because then I will use the card because inevitably I will need something before months end. 

What I hope to happen : Given the fact that I have been an exemplary consumer, and proven my creditworthiness, and the company has deliberately and willfully used unethical business practices in extending credit, through usury practices. I want this credit card debt to be settled by the company and in good standing on my credit report.
Product: Debt collection

In my review of my credit report on XX/XX/2018 Portfolio recovery association is reporting a collection account number XXXX in an attempt to collect a debt. I have no knowledge of this account. XXXX XXXX is in violation of the fair credit reporting act FCRA, by reporting a collection account to the credit bureaus in an attempt to collect a debt without notifying the consumer. This has hurt my ability to obtain credit and has damage my credit score.
Product: Debt collection

I received a phone call from phone number ( XXXX ) XXXX, on behalf of JC Penny, they said they were attempting to collect a past due debt, that for which I have already paid for and have and provided documentation for. They threatened me to take me to court. They keep no calling me every every year.
Product: Checking or savings account

Bank of America refused to dispute a charge that I have a receipt for that shows I should have been charged in XXXX dollars and not U.S. Dollar. I have proof which they will not accept and they told me they can not do anything about it. I spoke with a claims representative and a supervisor and they both refused to make a claim to get the correct amount adjusted. They charged me a transaction fee but would not look at my receipt for the transaction exchange rate on that date. They told me its correct. But I told them it was not.
Product: Prepaid card

I received a {$25.00} gift card from my work. I can not use it anywhere and when I attempt to register it from the company ( XXXX ) it says please try again. It seems that this is happening to a large number of people with this company, as there are tons of recent forums on XXXX regarding them, and I think they are intentionally committing fraud hoping most people just don't care and follow up.
Product: Credit reporting, credit repair services, or other personal consumer reports

Error on consumer checking account screening report. I am requesting a correction of the following information that appears on my XXXX XXXX Early Warming Systems consumer report : Dispute : Source of Information : XXXX XXXXXXXX XXXX ; XXXX XXXX XXXX, XXXX, XXXX XXXXXXXX Phone Number : XXXX Reported For : SUSPECTED FRAUD ACTIVITY ; ANY AMOUNTS OWED HAVE BEEN PAID ; Reported Name : XXXX XXXX XXXX Reported Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reported SSN/ID : XXXX Drivers License : XXXX State : XXXX Date of Closure : XX/XX/2021 RTN/ACCT # : XXXX / XXXX Closure Status : SETTLED IN FULL Closure Status Date : XX/XX/2021 I am requesting negative inaccurate information to be removed from XXXX & Early Warming Systems or any other consumer reporting company containing information that is inaccurate or incomplete. Under the Fair Credit Reporting Act ( FCRA ) XXXX XXXX XXXX is in violation of my rights. I request that this negative report be permanently removed from my XXXX XXXX Early Warming Systems report. I have attached documents to verify my identity
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is erroneously reporting a collection does not belong to me. The collection is from a Collection Agency named XXXX, XXXX, XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX - This is a collection for someone as the same as me but does not belong to me. The collection agency represents a landlord and is for money another XXXX XXXX owes. I have contacted XXXX, XXXX, XXXX XXXX three times by certified mail and they only replied to me once with their supporting documents for the claim. The documents do not have anything on them to identify that this is my debt. My driver 's license number, my social security number, or my signature does not appear on any of their documents. It is a collection for a house I have never lived at or been to. The papers in this case were served to someone at an address I have never lived at or been to. They are trying to collect a little over {$1100.00}, it changes every month as they add interest. I believe they have me mixed up with another XXXX XXXX, its a common name. There was another XXXX XXXX that was the father of another child at the school my daughter attends and there is also another XXXX XXXX at my employer. I have contacted Equifax three times and showed them the documents from the collection agency and that these documents do not support their claim that this debt belongs to me. Each attempt to work with them has failed. Since I started contact them in 2016 more then 30 days have pass for them to provide anything else or continue to report this on my credit report.
Product: Credit reporting or other personal consumer reports

According to the credit reporting act this creditor has violated my rights under 15 USC 1681 section 602. States I have the right to privacy 15 USC, 1681 section 604 section 2. It also states a consumer reporting agency can not furnish account without my written instructions under 15 US 1666B not a payment on a credit card account under an open consumer credit plan as late for any purpose These Accounts are XXXX. XXXX XXXX account no # XXXX. XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX XXXX. XXXX XXXX Acct XXXX. XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX WI XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  SO XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX Tn XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX Tn XXXX XXXX XXXX XXXX XXXX The general insurance XX/XX/XXXX XXXX XXXX XXXX XXXX ma XXXX XXXX XXXX bankruptcy court XX/XX/XXXX XXXX XXXX XXXX XXXX Tn XXXX XXXX XXXX XXXX. and XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX Account XXXX XXXX, has violated my rights. 
XXXXXXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXXXXXX XXXX  Account # XXXX, has violated my rights. 
XXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX Account # XXXX, has violated my rights. 
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
Product: Credit reporting, credit repair services, or other personal consumer reports

All three credit reporting companys XXXX experian XXXX. They have reported credit info on my report that i have asked to remove many many times. Either the account is old and pass the 7 years and or the account is paid and dont use the company anymore. Or they have deleted crediors on my reports and then they place them back onto my report after removed. They have done this many many times. I have asked to remove it. And they dont.
Product: Mortgage

Our Mortgage Loan was sold to Select Portfolio Loan Servicing- At that time, we were in a Forbearance agreement with our previous lender. Select Portfolio honored that agreement and extended the time of the agreement another XXXX mos. Before the end of the agreement in XXXX of XXXX  we submitted all requested/required paperwork to begin the process of a deferral agreement and/or Loan modification as promised by Select Portfolio. Since then, they have repeatedly requested the same information over and over. At every request, we send over the exact same information as requested the time before. With that being said, we have also repeatedly received letters from SPS claiming that our package is complete, and they will be making a decision with 30 days or less. After a day or so of receiving the " Complete Package '' letter we receive another request for the same information we've already submitted multiple times over! ( I can provide copies of all documentation ) After so much time has passed, SPS is charging us fees, etc. I retained an attorney who has resubmitted the paperwork/application etc.to SPS. Still NO ANSWER! My husband and I are reaching retirement age and this has been very unsettling and unhealthy to say the least. I have read countless reviews about Select Portfolio Servicing and there are a lot of people suffering at the hands of this company. They should be shut down! Any help would be graciously appreciated.
Product: Credit reporting or other personal consumer reports

Kindly delete these unauthorized accounts from my credit report. I haven't opened them, and I'm unaware of their origins. As per XXXX XXXX, I request their removal within the next 15 days. I've attached the relevant documents for your reference.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and Experian and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' XXXX XXXX is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' Leaders Automotive the financial institution and the ConsumeXXXX reporting agencies XXXX and Experian and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, Experian, XXXX, XXXX XXXX  whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. XXXX XXXX Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states " Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and Experian and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Credit reporting or other personal consumer reports

We DO NOT OWE the reported balance of {$400000.00} and the principal balance of Mortgage has not increased. The continued reporting of this FALSE INFORMATION is damaging the consumer credit rating. Resulting in the diminution of credit scores and the increased cost of money in day-to-day living.

Claimant : JPMCB Home, as Servicer is reporting. 
Account Number : XXXX Type : Mortgage Loan Amount alleged : {$400000.00} ( INCORRECT ) : {$400000.00} ( CORRECT ) o Amount reported appears as increased balance from the previous month. 
Monthly Payment : {$2200.00} ( INCORRECT ) : {$1800.00} ( CORRECT FIXED RATE LOAN ). 

o The agreed debt obligation is a fixed rate mortgage loan for 30 years. 
{$830.00} Principal XXXX Interest o NOTE : Escrow payments are not part of the Real Property Debt Obligation to the Creditor and is a voluntary act on the part of the Mortgagor. Therefore, the use of escrow payments into a loan balance reporting creates the illusion of the loan balance increasing. this false increase creates a false credit image in the Real Estate Loan dynamic.

I have a " FIXED RATE MORTGAGE 30 YEARS '' and have not missed a payment.
Product: Credit card or prepaid card

In XX/XX/2018 I closed my American Express credit card account. At the time of closure the balance on my account was - {$50.00} ( negative XXXX dollars ), i.e. a credit balance. 

Instead of refunding me the credit balance, American express simply kept the {$50.00} dollars putting the following transaction on my statement : XX/XX/2420 REMOVAL OF CREDIT BALANCE {$50.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I talked with representatives from XXXX, XXXX, and Transunion on XX/XX/2022, regarding the possibility that my consumer file might contain fake accounts. I requested that the accounts be deactivated because I didn't know anything about them or how they got there. All three companies gave me the go-ahead to complete the FTC report and submit the required paperwork. On XX/XX/2022, I submitted my letters by certified mail. The accounts were somehow " confirmed, '' despite the fact that they are not mine and had been on my report for more than 30 days after I sent my letters. Because it prevents my family and I from making purchases, this problem frustrates and enrages me. On XX/XX/2022, I got in touch with the three companies once more and asked how they could prove that these accounts belonged to me. They merely stated that they were unable to assist further and advised me to talk with the creditors directly. It didn't surprise me when I attempted to get in touch with each creditor who had been falsely asserting on the consumer file that they were not aware of me or the accounts. I was forced to use the CFPB website, just as some of my friends had advised me to given the situation. I sincerely hope that information is helpful since my family and I are attempting to submit an application for a house.
Product: Credit reporting, credit repair services, or other personal consumer reports

You are reporting an account that was opened fraudulently by my biological father in the amount of {$12.00}. This account needs to be deleted from the record as it's not something I signed up for. I spoke with XXXX and they said it's something your company needs to remove on your end first because you keep responding that it is accurate. Please reach out to the police department on the police report attached below if you have any questions about this case. Please delete this account immediately and stop reporting it to XXXX. 

Account Name XXXX
Product: Credit reporting or other personal consumer reports

XXXX never updates my credit report which makes me debt to income ratio higher on my credit report. My credit report has not been updated since I last did a dispute with my credit bureau of Experian back in XXXX. It is XXXX and my credit report still has not been updated. Also, they charge me late fees before my ten day grace period. I still believe I should have not had no late fees or charges at all this year. 
Every time I make a payment within my grace period it does not show on the bill until days later. You all did this to my XXXX bill as if I was late and I have a email saying it was paid within the grace period but the bill shows that XXXX is the last payment. 
You all are charging people for late fees and writing incorrect bills when payment is made timely.
Product: Money transfer, virtual currency, or money service

I am filing 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 measure to prevent and 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 caused significant inconvenience and financial loss, and i seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I applied, was approved, and was set to close on a loan from Capital One with and Adjustable Rate Mortgage for {$150000.00} XXXX ARM at 3.625 % interest. All necessary documents and supporting documents were submitted and approved, appraisal came in significantly higher than the purchase price. The loan was set to close on XXXX XXXX, XXXX. On Saturday, XXXX XXXX, XXXX I received a notice of denial for my mortgage. The Document lists no reason for denial other than do not offer terms requested Upon receipt of the denial I reach out to 3 different people involved with my mortgage application including the Mortgage Loan Officer. No response was received for a couple of days despite numerous calls and emails. Once I spoke to the Loan Officer I was told this has never happened to him 'except maybe once '. He also informed me there was no additional information he could provide me to explain the denial. I asked for a reimbursement for expense paid to which I received no response. XXXX XXXX I sent a certified letter to Capital One asking for a reason for my loan denial. 2 month later I still had not received a response. 

Upon recently Calling Capital One and speaking to a support specialist she was unable to offer any other reason behind the denial and asked for some time to research the issue. Following up on the situation she informed me the reason was due to unable to verify employment. This response contradicts the Statement of Denial which specifically has various boxes to mark in regards to denial reasons for verification purposes. The reason selected appears to have been written in a blank space which specifically state do not offer terms requested My previous loan 2 years prior through Capital One was approved with a loan amount of {$130000.00} XXXX ARM at a similar interest rate. My credit history and income had only improved since and easily supported the terms applied for. Employment history also had not changed. Upon receiving denial less than 2 weeks before closing I was forced to close on a loan at a higher interest rate at less favorable terms and was ultimately unable to shop for a new mortgage.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ; Experian and XXXX are reporting incorrectly medical collections partial account numbers XXXX. Please see pages 18 and 19 of the attached credit report. I have exceptional medical insurance and all medical expenses are covered. There are no outstanding medical bills that I owe. This is clearly a billing error on the part of the medical facility that is reporting these collections. Please see attached copies of my health insurance information. This inaccurate reporting is harming my credit score and these collection line items need to be removed from my credit report.