23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

We are a not-for-profit corporation. We currently have an account with XXXX XXXX XXXX linked to a former employee and have been unable to close the account. XXXX XXXX XXXX continues to bill us for the monthly charges and also sends the bill to our old address. I am unable to close the account and unable to respond to the bills or pay timely as we don't receive the bills until months later due to them continuing to send to our old address. XXXX XXXX XXXX has been unresponsive in my requests to close out the account. 

XXXX XXXX XXXX turned over a past due balance to Prince Parker. A representative named " XXXX '' has repeatedly called our office and has been extremely rude and unprofessional and threatening. He also repeatedly tells the receptionist we are delinquent in our bills. His tone and frequency of calls has made our staff feel uncomfortable. Most recent calls were on XX/XX/2018 and XX/XX/2018. He has also called before, though I don't recall specific dates. This is unacceptable and completely inappropriate. 

Thank you.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : 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 card

We refinanced our home to pay off some credit cards. A check was mailed to Citi Cards with the payment coupon sheet in the amount of {$9500.00}. Citi did not post the payment. After two full weeks, I contacted Citi and presented the paid canceled check from XXXX XXXX company. I was promised the funds would be applied to my account within 48 hours on XXXX XXXX, 2015. It is now XXXX XXXX with no funds posted to the account. I have called and spoke to multiple account supervisors and the funds are always 2 to 3 days from being posted. They have the payment and have refused to post it in a prompt manner. Let others take note that Citi can not or will not post payments promptly. I will never recommend this card to a friend.
Product: Credit reporting, credit repair services, or other personal consumer reports

I logged into my XXXX account with my name and social security number to find that my name had been changed to a name that is not mine. In addition to my name being incorrect, my social security number, my address, birth date, and occupation are all incorrect. Because of this, I decided to try to get my credit report from Experian. I used my name, social security number, and information to attempt to login. I was not able to log into my Experian account as it asked me security questions that did not have anything to do with myself. None of the jobs listed to choose were mine. I do not have a car loan. Because of that, I am not able to dispute the information through Experian. I decided to dispute this through the CFPB. Experian sent me my information and credit report through the mail. On the report, my name is incorrect, my social security number is incorrect, my address is incorrect, my phone number is incorrect, and my occupation is incorrect. The only account listed that belongs to me is a student loan. None of the credit cards listed belong to me. I currently have one credit card and that account is not listed. I have confirmed with the Social Security Administration that my social security number is mine and is not tied to anyone but me. XXXX reports my information correctly. I do not understand why my information is listed like this. I do not understand why XXXX could not fix it with my first dispute with the CFPB. I want my information to be listed correctly on Experian and on my credit report. I do not want someone else 's information and accounts affecting my credit.
Product: Payday loan, title loan, or personal loan

Was not aware I was covered under the MLA until I spoke with XXXX  a few weeks ago. I have this installment loan and a credit card with XXXX   XXXX. I sent them all my documentation to show I qualified and they are not honoring it. Charging high interest and fees. My husband died on XXXX XXXX. I was not aware I was protected until recently
Product: Credit card

Commerce Bank- XXXX  XXXX XXXX MO XXXX I had scheduled payments to pay my balance in full. The autopay was cancelled by the banks technology rules and have tried to get {$36.00} in interest waived/ reversed and a supervisor was supposed to call me in XXXX hours to resolve and did not. This Bank is absolutely the perfect candidate for CFPB enforcement action as they are deceptively and incompetently run. I want resolution followed by closing of my account, as I will avoid this bank in the future. Absolutely atrocious experience.
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00}
Product: Credit reporting or other personal consumer reports

I told the company that i am a victim of identity theft and they closed my accounts. I told them Im not responsible. Of any charges. I informed them to close all accounts thats fraud.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Formal Dispute of Inaccurate Late Payments XXXX Account ( Account Number : XXXX ) Dear CFPB, I am submitting this formal dispute regarding the inaccurate reporting of late payments for the XXXX account ( Account Number : XXXX ) on my credit report. Upon careful review, I have identified multiple discrepancies that fail to accurately reflect my payment history and account details, and I request immediate correction of these inaccuracies. 
Nature of the Complaint Inaccurate Late Payments : The credit report shows XXXX late payments for XX/XX/XXXX and XX/XX/XXXX across all three bureaus ( TransUnion, XXXX, and XXXX ) XXXX These late payments are false as I have consistently made timely payments, and my account has been enrolled in autopay, ensuring payments are processed on or before the due date. 
Discrepancies in Account Details : High Credit : TransUnion and XXXX report {$1400.00}, while XXXX incorrectly lists {$0.00}. 
Last Reported Dates : TransUnion : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX Payment Status : All three bureaus indicate the account is current, contradicting the reported late payments. 
Violation of Federal Laws : Fair Credit Reporting Act ( FCRA ) : The inaccurate reporting of late payments violates my rights under 15 U.S.C. 1681i and 15 U.S.C. 1681s-2, which require credit reporting agencies and furnishers to ensure maximum accuracy in consumer reports and to promptly correct any errors.

Truth in Lending Act ( TILA ) : The misrepresentation of my payment history breaches TILA 's requirement for truthful and accurate reporting of credit information. 
Fair Debt Collection Practices Act ( FDCPA ) : Reporting false late payments constitutes misrepresentation of my account history, potentially violating FDCPA standards. 
Requested Resolution To resolve this matter, I am requesting the following actions : Immediate Removal of Late Payments : Remove the reported XXXX late payments for XX/XX/XXXX and XX/XX/XXXX from my credit report. 
Correction of Account Details : Align the high credit amounts, last reported dates, and any other discrepancies across all three bureaus to reflect accurate and consistent information. 
Confirmation of Investigation Results : Provide a written confirmation within 30 days, as required under the FCRA, detailing the results of your investigation and the steps taken to resolve these inaccuracies. 
Failure to address these discrepancies and ensure compliance with federal consumer protection laws may result in further actions, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and other relevant authorities. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I made a balance transfer to pay off the US Bank XXXX XXXX XXXX ) credit card around XX/XX/XXXX. The transfer did not go through until XX/XX/XXXX or so. Because of the delay ( they ( US Bank ) admitted there was a delay of at least five days ). They charge me a late fee and additional interest on the old balance. In addition, U.S Bank has been misapplying the payment I've made between the purchase and cash balance accounts. I " been making many payment over the minimum amount, however the balance to the cash account kept going up. They said it was interest on the cash balance. I say it is because they did not apply the amount over the minimum to the cash account. The minimum amount can't be calculated with the previous months interest plus an additional amount or this would defeat the purpose of the law that says amounts over the minimum must be applied to the highest interest account. The cash account went up to over {$4000.00} and over the past couple of years ( ever since the card was transferred from XXXX XXXX to U.S. Bank ). The amount should be around {$2000.00} that I would owe. Now the balance transfer has gone through and there is a balance of about {$99.00}, however, I believe U.S. Bank ( XXXX XXXX ) owes me the difference on the misapplied, over the minimum payments to that account - about {$2000.00}.
Product: Credit card

I have applied for a few Synchrony Financial credit cards and recently they froze all of my credit cards. I received a letter asking me to allow access to my IRS Tax return. They requeted that i allow access to a 3rd party, not to Synchrony. I do not feel comfortable releasing such private information to a 3rd party. I have done nothing to require this type of treatment. I have NEVER made a late payment on any of my Synchrony managed credit cards. I consistently pay my account in full before the due date. 

It is very unfair for Synchrony to approve me for credit and then freeze my cards with no valid reason. I was recently singing the praises of Synchrony and how they have become my favorite and most reliable credit card issuer. Then 2 days later they froze my accounts. XXXX of the cards have not even been open for 10 days and are already appearing on my credit reports. If i do not comply with their demand for access to my tax returns i reisk them shutting down my acct which will have a detrimental effect on my credit report. They should have done any necessary verification before reporting the accts. My history of paying in full shows that i am not a credit risk to them.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I contacted Equifax via phone to find out why Im having trouble accessing my credit report with them. Between the months of XXXX, XXXX, XXXX Ive sent multiple letters to dispute inaccurate and fraudulent information that was on my credit report, I also provided police reports along with an FTC report all while verifying my identity. Equifax has been reporting my birthdate as XX/XX/XXXX since Ive checked It in XXXX of XXXX. Ive submitted the proper documentation showing my identity with my real birthdate which is XX/XX/XXXX. Under the FCRA Inaccurate, incomplete, or unverifiable information must be removed or corrected, usually within 30 days. However, a consumer reporting agency may continue to report information it has verified as accurate. Equifax never investigated my birthday as being inaccurate they just decided to leave it as is. Reporting inaccurate information on a consumers credit report is violating my rights Ive ask Equifax numerous of times to remove any and all inaccurate accounts and personal information off of my account and they always say they have verified it as accurate. If this behavior continues to go on and threaten my creditworthiness, I will have to take legal action. All I want is for my credit report to have accurate and correct information.
Product: Checking or savings account

Hi, My name is XXXX XXXX. Ive just recently received my federal tax return in a check from the U.S. Treasury for {$30000.00}. Before I tried to deposit the check into my SoFi account I called a representative and asked will my account allow me to deposit the whole check in my account and the answer was yes. To my understanding for the month I have a XXXX  deposit limit and I will be able to deposit the check into my account. When I received the check XXXX mobile deposited the check into my Sofi account and now Sofi bank has restricted my account with no explanation. They are closing my account and will not release my funds to me or give me an explanation to why my account is still restricted. Can I please have my money back I have a lot of children and bills to be paid.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an XXXX XXXX assisting me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX XXXX XXXX and would like for all listed accounts to be blocked and deleted company information from Experian, XXXX and XXXX. 

Please delete the following accounts : XXXX XXXX  Account Number : XXXX Balance : {$1400.00} XXXX  XXXX Account Number : XXXX Balance : {$3300.00} XXXX Account Number : XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

To take off any inaccurate collections and bankruptcies that are XXXX years old and correct missed payments on XXXX XXXX XXXX XXXX that are inaccurate.
Product: Mortgage

XXXX I purchased my home for XXXX which included a first and a second through XXXX different companies the first loan was for XXXX the second was for XXXX. XXXX I lost my job and filed XXXX which was XXXX the same year. In my XXXX papers it stated I would was going to keep my home. I filed for loan mod in XXXX through chase. XXXX told me that my loan mod included the first and the second. XXXX charged me almost XXXX in fees to do this loan XXXX bring my new principal balance to XXXX. I made my payments for the past 10 years never being late. In XXXX of XXXX, I found out there was a lien on my home. I went to the county assessors and pulled a copy of the lien, contacted the company ( SLS ) and asked what this was about, they told me that I owned XXXX and was going to be foreclosed on. I told them that I modified my loan and did not have a second. I found out that XXXX did not include the second in my loan mod, and did not know that this XXXX even existed. XXXX told us to bad, you need to pay us XXXX, even though the original balance is only XXXX. I asked why they never mailed us anything and let me know that this loan existed, I was told that they could not mail us anything due to the XXXX. After trying to figure out what happen, I realize that chase in fact just charged me tons of fees and did not include the second. Now, I owe this second company over XXXX XXXX I asked XXXX why they are contacting me now and waited so long, they told me that they could get all there money now and will foreclose. I asked if I could settle because I realize that we do owe this money, and they have dragged there feet. Each say the amount goes up, and we have asked in writing to offer some kind of settlement that is reasonable. They said they wan t all there past due fees which is which is almost XXXX. I offered to pay cash of XXXX and XXXX in fees, but they keep dragging there feet. This complaint right now is for SLS, even though XXXX also did me wrong. For a house I purchased for XXXX in XXXX, I will be paying XXXX a XXXX dollars. That is a lot of fees. Just need to get some help trying to settle fees with SLS
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX XXXX, am writing to formally register a complaint and seek redress regarding my participation in the Sweet vs. Cardona Borrowers Defense Class Action Settlement ( Application Number # XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX ] ). I believe my case merits special attention due to the following facts : I am addressing the inclusion of the following tradeline on my credit report : - Account Name : MOHELA/DEPT OF ED - Account Number : XXXX - Loan Award ID : XXXX - {$4800.00} - Loan Award ID : XXXX - {$7500.00} - Loan Award ID : XXXX - {$7500.00} - Loan Award ID : XXXX - {$13000.00} - Loan Award ID : XXXX - {$20000.00} I believe this tradeline violates the terms of the settlement agreement and consumer protection laws under the Fair Credit Reporting Act ( FCRA ). As a Sweet class member, I have the right to keep these loans in administrative forbearance until I receive a discharge or a decision on my application ( s ), as specified in the settlement terms. 

I request that the credit reporting agencies promptly investigate this matter to ensure that my credit report accurately reflects my status as a borrower defense applicant in administrative forbearance. The FCRA and the settlement agreement require that my credit reports accurately represent my financial obligations and rights under the law. 

As a XXXX class member, I have the right to keep these loans in administrative forbearance until I receive a discharge or a decision on my application : XXXX, as specified in the settlement terms. 

I understand that the Sweet vs. Cardona Borrowers Defense Class Action Settlement is designed to address cases where borrowers have been subject to unjust treatment related to their student loans. Given the circumstances of my case, I believe it falls within the scope of this settlement. 

I have reviewed the terms of the Sweet vs. Cardona Borrowers Defense Class Action Settlement, and I believe that my situation is directly related to the objectives and provisions outlined in the settlement. Therefore, I request a thorough review of my case to determine if I am eligible for reimbursement and restitution under the settlement terms. 

Enclosed with this complaint, you will find supporting documentation : 1. Copy of Dispute Statement 2. Copy of Request for Enforcement of Settlement Rights to Privacy and Accuracy of Information ( Dept. of Education Letter ) 3. Copy of Borrowers Defense Class member participation and eligibility for administrative forbearance.

4. XXXX XXXX XXXX Misconduct, Misrepresentations, and Breach of Contract and Fiduciary responsibility claim evidence and copies of email correspondence. 
5. Copy of your drivers license ( Proof of Identity ) 6. Copy of Bank Statement ( Proof of Address ) 7. Loan Details - Copies of XXXX XXXX credit report highlighting discrepancies.
Product: Credit reporting or other personal consumer reports

I have asked numerous times that my personal information be updated and it still has not been corrected in XXXX yrs. I will include my paycheck stub which has my legal name and my address. I would like all incorrect names, addresses and employers removed from my credit profile. I have been a victim of identity theft and all of the credit bureaus were notified of this.
Product: Credit reporting or other personal consumer reports

( XXXX XXXX XXXX XXXX ) XXXX ( XX/XX/XXXX ) .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 , 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 ), an credit card account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ), a personal credit card account opened at XXXX XXXX XXXX on XXXX 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 account, collections, and hard inquires are the result of identify theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquires are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2016 we cancelled this credit card with XXXX  XXXX XXXX with no balance or over due balances. The Bank is showing we are 30 days late in XX/XX/XXXX?
Product: Credit reporting or other personal consumer reports

I have inquiries passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXXXX/XX/XXXXXXXX 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 XXXXXX/XX/XXXX XXXX - XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX