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

I was denied from a rental property due to information reported on the consumer report from safe rent. I received the denial letter with a attachment of the information safe link provides and under XXXX history it states they provide felony convictions, which I dont have and shouldnt have been reported on my background check because its inaccurate. When I called safe rent on XX/XX/2023 I was told by the representative that I had been issued a adverse action due to a arrest ( not conviction ) that has a court ordered Expungement in effect.
Product: Debt collection

Received a letter from MRS BPO , LLC stating a total amount of {$180.00} is due. The inital bill it stated was {$170.00} and there was a fee of {$4.00}, which brought the final total to {$180.00}. I was informed that this bill was previously paid and the equipment was turned back into the company. I do not believe they are associated with XXXX
Product: Credit card

I entered an agreement with a XXXXXXXX XXXXXXXX XXXX XXXXXXXX, on XX/XX/XXXX for sales support, at the amount of $ XXXX. The company did not live up to or honor their agreement, and I cancelled the service on XX/XX/XXXX, when I received out of office replies to my inquiries on XX/XX/XXXX. 

The $ XXXX payment was setup through AppleCard/Goldman Sachs, and I began the dispute process on XX/XX/XXXX. I provided Goldman Sachs all email correspondence and documentation. I NEVER received anything for the payments ( {$600.00} ) XXXX received. Goldman Sachs provided me a temporary credit, but later reversed it, stating that their investigation contradicted the documents I provided. I filed an updated dispute, which was reopened with Goldman Sachs on XX/XX/XXXX. My account went into 30-day collections during this process. 

XXXX has not provided me deliverables for the {$600.00} debited to my account and Goldman Sachs says " Your Apple Card transaction dispute investigation is complete and the merchant charges will remain on your account.
Product: Debt collection

XXXX calls me and tells me where she is from and states that she is calling to collect a debt. She states " You have XXXX hours to call me back or I will send an arrest warrant to your home or workplace. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

AFTER A THOROUGH REVIEW OF MY CONSUMER REPORT, I HAVE IDENTIFIED SOME ERRORS AND WOULD LIKE TO FILE A COMPLAINT BECAUSE I REALIZE THAT MY CONSUMER RIGHTS HAVE BEEN VIOLATED. ACCORDING TO THE FAIR CREDIT REPORTING ACT. 15 USC 1681 ( a ), defines the Rules of Construction ( 2 ) ( a ) ( i ) states the term consumer report does not include any report containing information solely as to transactions or experience between the consumer and the person making the report. Late payments are a form of transaction and utilization is an experience created by credit usage.

Experian is reporting late payments on accounts listed as : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This experience has been created as a late payment on in the month of XX/XX/2023. 
This information has been sold to a 3rd party and applied to my account without permission. 15 USC 1681 ( a ) ( 2 ) states any consumer reporting agency may furnish a consumer report under the following circumstances and no term in accordance with the consumer to whom it relates. 
I have never provided XXXX, XXXX or written instructions to report anything to my consumer report, not to mention the late payments/utilizations. According to 15 USC 1681 602 congressional findings and statement of purpose states, There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers rights to privacy. This also states the banking system is dependent upon fair and accurate credit reporting. Items run which are reported inaccurately appear on the credit report directly impair the efficiency of the banking system and contribute to unfair credit reporting methods. Inaccurate reporting undermines public confidence which is essential to continue the fair and lawful functions of the banking system. The inaccurate reporting of these late payments and my privacy right have been violated due to XXXX. My Consumer rights have also been violated by allowing late payments/utilization to report on my consumer report. I have previously informed your company to remove this information. With this notice, I am requesting this information to be updated accurately on my consumer report, late payment and utilization reported on my credit accounts.
Product: Debt collection

I have been disputing this for over a year now. I have letters from  XXXX  of   XXXX   that was sent asking  XXXX   XXXX  an d Citi Financial to se nd me a payment history, which they refuse to send because th e SOL in North C arolina have ran out and they are re-ageing the account to add a negative report on my credit report.  XXXX  has removed it because they would not verify the information. I 'm still disputing it with  XXXX  who refuse to send me the verification as well. I 'm  giving both NCB management a nd  XXXX   XXXX  15 days to comply with my dispute or I 'm taking them to small claims court which they would have to provide what I 'm asking. a payment history. this is my final attempt to contact them. I will see them in court. THIS IS MY FINAL ATTEMPT. I have sent more certified letters again. still no response to what I 'm requesting. a payment history
Product: Debt collection

Equifax on XX/XX/2018 I file with the CFPB a complaint ref XXXX you reponded you were working on dispute and more time was needed. It has now been over 60 days sense CFPB sent you the dispute and you are in violation. { remove this account at once forever for failuer to respond. it clearly shows that there is no evidence I own this account
Product: Credit reporting

I am disputing XXXX, XXXX, and XXXX concerning lateness on mortgage payments. 
I do not have any idea on a loan I had with XXXX so more information from them is needed. 
XXXX became insolvent and was purchased by XXXX. My original loan paperwork stated that there could be no changed to the original document without my permission. XXXX unilaterally implemented escrow for taxes on top of my principal increasing the total amount by XXXX %. I disputed their authority to do this and continued to pay the originally agreed on principal shown on the mortgage. Several time XXXX returned my personal checks stating they could not accept personal checks. After a while I had my bank issue the payments since XXXX would not record receipt of my checks. For several months they continued to refuse accepting payments from my bank. I had to retain counsel to settle their claims but they did not notify the credit agencies to remove the negative comments they had submitted. One would think that XXXX would not have wanted my account if I were such a bad credit risk but they did BUT they " forgave the debt '' i.e. the months they did not accept premium payments and rewrote a new agreement including the " forgiven debt '' into the new agreement. Watch out when XXXX " forgives the debt '' because they notify the IRS and the IRS considers that as income which you will be taxed on. It cost me about {$30000.00} in legal fees to dispute XXXX plus the law firm I used did not advise me that there would be a tax consequence if a debt is forgiven. If I would have known that then I would have told my law firm to negotiate a better deal. Their forgiving the debt cost me another {$10000.00} due to the IRS so overall it cost me {$40000.00} because XXXX did n't honor the original loan documents.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX-Balance {$6400.00} Date Opened : XX/XX/XXXX XXXX XXXX-Balance {$13000.00} XXXX XXXX-Balance {$2200.00} Date Opened : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15

USC 1681. 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 inructions 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
Product: Prepaid card

Rushcard went through a system update on the XXXX of XXXX and I have not had access to funds since then, and this includes a direct deposit that was supposed to have hit on the XXXX. I checked my balance after they said the deposits were late due to the system update and it showed on XXXX XXXX, but by the time I got to an atm ( about XXXX minutes later ) the funds were gone and the balance was {$0.00}. I called Rushcard and they claim they do not show a deposit and to contact payroll at my job to see if the funds were returned. My job assured me no money was returned and that Rushcard has my deposit. I have not been able to get in contact with Rushcard as the customer service number now hangs up on you.
Product: Credit card or prepaid card

On XX/XX/XXXX, I was charged {$1200.00} by XXXX  XXXX. 
On XX/XX/XXXX, I was charged {$2000.00} by XXXX  XXXX. 
Both charges were to my Citi credit card. 
These charges are fraudulent. I did not make these purchases. 
I contested the charges through CitiBank. 
I received a document stating that the XXXX charge dispute was rejected and I'm responsible for the full fraudulent charge. 
The XX/XX/XXXX charge remains under investigation per my online credit card account, and I do not have to pay this charge until the investigation is concluded. 
To be clear, both of these charges are fraud. I did not make these purchases. 
I have called the credit card company about this multiple times and they repeatedly tell me that fraud is not possible because " your card has a chip ''. 
This is clearly incorrect.
Product: Credit reporting or other personal consumer reports

My account was never late! I have had exceptional payment history all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates XXXX XXXX XXXX. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment to be updated. 


They are not in compliance with the following law. XXXX XXXX XXXX and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 


XXXX XXXX XXXX ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. 


Never Sent the periodic statement along with the disclosures from section XXXX ( b ). 


I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports
Product: Debt collection

15 U.S. Code $ 1681C-2 A consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in violation of this law because I am a victim of identity theft.
Product: Checking or savings account

On XXXX/XXXX/2017, {$300.00} was direct debited out of my XXXX XXXX Checking account by XXXX. I did not authorize this transaction. I have tried to contact XXXX/BNY Mellon and XXXX and have not been able to resolve this.
Product: Checking or savings account

I'm reaching out to you in regard to the welcome bonus for my Citi Savings Account. 
I was offered a welcome bonus on Citi.com for enrolling/opening a Citi Savings Account . However, I recently learned that I was denied of the bonus. The explanation given that I have a Citi Gold Package which made me eligible for the Citi Savings Bonus. 
However, Citi should not target me or offer me a Citi Savings Welcome offer if I'm not eligible. 
In addition, my understanding was that as long as I open the Citi Savings account I should be eligible for the welcome offer. This is terrible customer experience. 

Please let me know if you can help rectify this situation and escalate this to the appropriate team. 
I'd need the welcome bonus to be awarded, otherwise I will escalate this further with CFPB for deceptive marketing. 

Thank you for your help Account Number XXXX I also have attached the letter of explanation on the denial of the bonus.
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I have become a victim of a data breach. As a result, I am requesting that the following accounts and inquiries, which were fraudulently opened or made without my consent, be blocked and deleted from my credit report. This request is made pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA XXXX ( b ). 
XXXX Accounts 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 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 XXXXXX/XX/XXXX
Product: Debt collection

ON XX/XX/2022 I FOUND OUT I WAS A VICTIM OF IDENTITY THEFT. I REPORTED THIS TO MY LOCAL POLICE AND FILED A FTC AFFIDAVIT. I CONTACTED EACH COMPANY THAT HAD REPORTED FRAUD ACCOUNTS IN XXXX. EACH ACCONT HAS BEEN CORRECTED BUT XXXX  WHICH WAS PURCHASED BY ENHANCED RECOVERY. I AM NOW AWARE THAT THIS COMPANY IS IN TOTAL VIOLATION OF NUMEROUS OF MY RIGHTS UNDER THE FCRA AS WELL AS THE USC. FOR STARTER THIS COMPANY IS IN VIOLATION OF FCRA 615 ( F ) ( 15 USC 1681M. IT IS ILLEGAL TO PURCHASE OR TRANSFER A DEBT CAUSED BY IDENTITY THEFT. THIS COMPANY IS ALSO IN VIOLATION OF 15 USC 1692G ( A ). THIS COMPANY NEVER CONTACTED ME ABOUT THIS DEBT PRIOR TO PLACING THIS DEBT ON MY CREDIT. AS A CONSUMER, I HAVE THE RIGHT TO DISPUTE A DEBT PRIOR TO IT BEING PLACED ON MY CREDIT. THIS COMPANY HAS FAILED TO FOLLOW THE STANDARD GUIDELINES OF DEBT COLLECTION AND I AM NOW SEEKING REMEDY. AS STATED, I HAVE ATTEMPTED TO RESOLVE THIS ISSUE IN XXXXXX/XX/2022. ACCORDING TO 15 USC 1681C ( 2 ) ANY COMPANY THAT FURNISHES INFORMATION TO ANY CONSUMER REPORTING AGENCY SHALL HAVE IN PLACE REASONABLE PROCEDURES TO RESPOND. THIS COMPANY HAS NOT RESPONDED TO ANYTHING. I HAVE REPORTED THIS COMPANY TO CONSUMERFINANCE.GOV AND I AM 100 % PREPARED TO SUE THIS COMPANY. UNDER 15 USC 1692K A ( 1 ) I AM ENTITLED TO ACTUAL DAMAGES SUSTAINED BY THIS COMPANY REPORTING THIS DEBT AS WELL AS ALL COURT AND LAWYER FEES. I AM AGAIN ASKING THIS COMPANY TO REMOVE THIS DEBT AND MY INFORMATION FROM THEIR DATABASE OR MYSELF AND ATTORNEY WILL PROCEED WITH COURT FILING.
Product: Debt collection

Swiss Colony and their collection company, XXXX XXXX continue to contact me regarding account XXXX with a balance of {$530.00}. This account does not belong to me ; it was opened as a result of identity theft. I have already contacted Swiss Colony and XXXX XXXX, but this account still has not been removed from my credit report. 

I never opened this account. The bill was sent to an address that I have never been affiliated with nor have I lived at the address. I have sent multiple copies of my ID theft affadavit and they still continue to harrass me about the debt that I do not owe.
Product: Credit reporting or other personal consumer reports

XX/XX/2024 I requested Transunion unsuppress my credit report. I provided my identity documents and proof of address. 

XX/XX/2024 Transunion unsuppressed my credit report. 

XX/XX/2024 I disputed fraudulent Inquiries on my credit report. Transunion ignored the dispute claiming that it came from a 3rd party, even though Transunion has never received a XXXX party dispute on my behalf. Instead of removing the fraudulent inquiries they suppressed my file again on XX/XX/2024. 

XX/XX/2024 I again requested the removal of the fraudulent inquires from my credit report in accordance with FCRA section 605b since I am a victim of identity theft. I requested that they block the fraudulent inquiries within 4 days in accordance with the law. I sent this request via mail as well as uploaded this request at service.transuinion.com. Transunion responded claiming that the request appeared to come from a 3rd party, even though I clearly state in the request that the letter is coming directly from me. 

XX/XX/2024 I again requested the suppression of my credit report via certified mail as well as by uploading the request to service.transunion.com.
Product: Debt collection

After Credit report disputes the Credit Bureau of Lancaster County , Inc . 
( XXXX County PA ) Is unable to provide an agreement of services or any signed document of a XXXX $ bill that is showing delinquent on my credit reports. 
They did however request that I pay the bill and request that it be removed from my report. I refused to acknowledge the debt. 
This is not a debt that I agreed to nor did I authorize. 
I was willing to actually pay it if it were completely removed from all XXXX major credit reporting agencies of which the Credit Bureau of Lancaster County , Inc . Refused.
Product: Checking or savings account

I have a checking account with Ally Bank and an associated debit card. There was a fraudulent {$1.00} charge on my debit card late on XX/XX/XXXX. I noticed it the morning of XX/XX/XXXX, called Ally, and they sent a replacement card. I got the new card XX/XX/XXXX. I had a fraudulent charge of {$160.00} on my new debit card today, XX/XX/XXXX. Wouldnt have noticed had Ally not already locked out my account. Waited on hold for customer service for 2 hours before having to hang up for biz. XXXX is loading up with similar Ally complaints. It appears theyve had a major breach
Product: Mortgage

I have been trying to work with Fay Servicers Mortgage for months now. I have submitted an application to catch up my mortgage which was never approved because they tried to for me to buy homeowner/flood insurance that I was unable to get because of my credit scores while still charging to my account the lender 's forced insurance payments that are added to my mortgage monthly. 

I have tried on 4 occasion to make payments of which they are refusing. They will not work with me at all.

Could you please help and tell me what to do next. I do not want to file for chapter XXXX. I have lived in this house more than 16 yeas.  Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report after getting a preapproval for a home loan in XXXX, 2022 and saw that there are numerous incorrect information on my report. There seems to be accounts that are business accounts that do not belong to me as well as charge offs and collections that are interfering with my going any further in obtaining a loan to purchase a home. I have tried numerously to call these companies within the last 3 months and have not gotten anywhere. They are very rude and intimidating. XXXX XXXX told me that I had no choice but to make a payment to settle both of those business accounts listed only in efforts to solve this issue but now after I paid them in XXXX of 2022, they told me that they will keep this on my report for 7 years anyway even though the accounts belong to a business and they do not have a contract signed by me for these accounts. 
The others, CAINE WEINER ( Original Creditor : XXXX XXXX XXXX  )XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ), XXXX XXXX XXXX XXXX XXXX are inquiries that I did not authorize and need to be removed. I am now aware that these are also a violation of consumer law 15 USC 168b. I have tried so hard to fix this problem with my credit report and I feel very helpless. This is causing me severe anxiety and XXXX because I am not able to move any further. I am begging for someone to help me with this please.
Product: Bank account or service

Went to a consignment sale. Spent ov er 200. Left. Thought everything was fine. Boy was I WRONG! They  used the credit card machines where everything is done manually. But I was n't too worried. Now I 've spent  XXXX  for  XXXX  worth of merchandise. Recently started banking wi th BBVA COMPASS. Th ey had been great thus far. Then I had the misfortune of getting paired with  XXXX  ... ... she worked my dispute. The first time around she did hardly anything and came back and said she found nothing wrong. I threatened to file a complaint with CFPB and so she said she would reopen the investigation. But ... ... did n't come up with ANYTHING different. And still sided with the other party. I 'm very upset. The info that I used as EVIDENCE that I did NOT make the second purchase ... ... was the info she used to find that I DID! I provided her with my receipt. Explained I only si gned ONE slip. The other one was  done an hour later. I was long gone and heading for home. I did not do the other purchase. And had this been   XXXX   XXXX   XXXX   XXXX  or  XXXX  or  XXXX   XXXX  ... .my word and the info I provided would have been PLENTY to get the charges reversed. I work online for a living. And I deal with a lot of social media and referring. I definitely will be talking about Compass ... ... but it wo n't be a recommendation. Which is sad, because there are wonderful people that work there. Like  XXXX . He was wonderful!!     Anyway, I 'm opening this complaint in the hopes that I can get my money back. I 'm a single mom raising  XXXX  girls.  XXXX  of whom is currently  XXXX   XXXX . So I ca n't afford for there to be a  XXXX  ERROR that is n't resolved. Please help : ( I 'm providing all documents that I have gotten throughout the case. To try to expedite the outcome. And I 'm hopeful that whoever sees this next ... ... .can help to right the wrong. I 'm so upset by this.