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

XXXX XXXX was notified by phone app ( XXXX ) that a hard inquiry had been processed by XXXX Purchase was completed XX/XX/XXXX. Tried call the finance company ( Curaao Finance, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, Ca XXXX ). No message could be left as to phone was disconnected. Tried for 2mo. To remove via Credit bureaus, filed Police report with XXXX XXXX Police Dept. ( # XXXX XXXX somehow they managed to change reported address while applying for credit. Now it is XXXX and am in contact which Curaao Fraud Dept. via mail because I still can not seem to speak to a representative??? For the record I have lived in XXXX California my entire life and at my current address since XXXX. Any help would be greatly appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my OTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX , GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$14000.00} ; XXXX XXXX XXXX Balance : {$600.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/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 ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Product: Credit card

Due to identity theft, I have a seven year alert at the credit reporting agencies. Despite this, a known identity thief who has my personal information was successful in opening a Chase XXXX Bank Card account in my name, with the thief 's name added as well. I was informed of the inquiry through my XXXX account. I called Chase security department who was unaware of the fraud alert, and closed the account. They said they would conduct an investigation. I informed them that I had this fraud alert and this account should not have been issued without me receiving a call from XXXX or XXXX. They went ahead and opened it. What would have happened next is the thief would lock down the account with a password and change the address to theirs in Washington state. This has happened twice previously, with XXXX Bank and with XXXX who assisted me in setting up the fraud alert in XXXX.
Product: Debt collection

I was never given proof of the debt, never notified of my right to dispute and received harassment from XXXX at Kinum.
Product: Checking or savings account

O XX/XX/XXXX BBVA closed my business bank account. This account was charged off to the tune of {$140.00}. This amount was significantly lower than the more than {$500.00} in overdraft fees BBVA charged me and refused to remove. BBVA did this even after I pointed out that I had been double charged in some cases or these fees followed transactions as low as XXXX cents. 

In other words their fees caused this account to spiral further into arrears even after I was making payments toward the balance of their fees. 

They refused to remove any of them AND they also made it impossible to contact someone to escalate or dispute the manner in which these fees were charged. In any case, the account closed on the XX/XX/XXXX, however on XX/XX/XXXX a deposit in the amount of {$32.00} came into this account. Then on {$75.00} on XX/XX/XXXX and then {$50.00} on XX/XX/XXXX. This totals {$150.00}. 

I have attempted to contact Charge Off & Collections multiple times at the numbers I have been given and i have never been able to contact anyone. Can someone ANYONE help?
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 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 XXXX
Product: Credit reporting or other personal consumer reports

I reviewed my consumer reports, and noticed that I have some late payments on an account that I was never late on. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the account I have included screenshot inside included screenshot inside this complaint on XX/XX/XXXX, and XX/XX/XXXX. Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payment be updated to be paid as agreed on time as they should be due to the fact I was never late. Thanks in advance for your prompt assistance to correct these errors. Please see the attached screenshot.
Product: Credit card or prepaid card

XX/XX/XXXX I called and spoke to a female rep to make my monthly payment of XXXX. She said I re eived a late fee of XXXX said no your automated system tells me my due dates are by the XXXX of every month and look back at my history and that shows I'm consistent with the amount which is over my payment XXXX and it is always before the XXXX of the month.she said that it tells her my pmts are due by the 1st of every month ... I said that is not what your automated system is showing I asked for a supervisor.was on hold for 30 min.she said no supervisor available will put me on a call list .no ret call. I called XXXX on XX/XX/XXXX I spoke to XXXX went through the whole explanation again asked for a supervisor.placed on hold for 48 min was told no supervisor available..I asked what total was due to pay the account off and clise my account because I was so aggravated.he told me XXXX paid the balance in full and clised the account.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX INQUIRIES : XXXX XXXX XX/XX/XXXX 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 XXXX XX/XX/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 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 attempted to login to Equifax 's website multiple times for the past year. I have called, emailed, attempted to reset passwords but have never been able to access it. Equifax probably keeps me out on purpose to depress those on financial recovery or possibly due to racist reasons, since I'm a white woman ( yes, white people are discriminated against too ). Anyways, there is a fraudulent account posted on my Equifax credit report. The account shows on my credit report as " XXXX XXXX XXXX '', Date Opened " XX/XX/2020 '', and {$800.00} balance. There is no payment history listed, no comments, and the account type is blank. I did not open this account and have no knowledge of it. It appears to be a fraud or an attempt at theft/invalid collection.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX XXXX for inaccurately reporting a medical collection account ( Account Number : XXXX ) on my Experian credit report, which violates my consumer rights under federal law. I never had an agreement with XXXX XXXX, nor did I receive correspondence from them regarding this debt. Additionally, the alleged debt was never verified with the original creditor, and I am exercising my right under the Fair Debt Collection Practices Act ( FDCPA ) to demand a cease and desist from further contact and reporting of this account. Furthermore, under the new Consumer Financial Protection Bureau ( CFPB ) rule announced by the Biden administration, unpaid medical bills will no longer appear on credit reports. Additionally, I am concerned by the recent CFPB lawsuit against Experian for sham investigations of credit report errors, which further questions the integrity of your reinvestigation procedures. I demand the immediate removal of these accounts from my credit report. Continued non-compliance will result in legal action under FCRA Sections 616 and 617 for negligent non-compliance.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act ; the following accounts are in violation of my rights : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX15 U.S.C. 1681 Section 602 A. Subsection 4.- 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.

15 U.S.C. 1681 Section 604 A. SubSection 2- a consumer reporting agency can only furnish an account in accordance with the written instructions of the consumer to whom it relates.
Product: Mortgage

hardship, lost job applied for unemployment forbearance program, trial for 1 year, applied for permanent, denied XXXX, not enough income, making more then before.Said they could keep payments like in forbearance, half of my payment. ( XXXX. ) Paid XXXX in trial.Now want to do a short sale or deed in lieu.This is a scam, NO One has gotten these programs to help keep homes. Cause, I should have been approved to keep my home, never late, until hardship, never late on trial.Asked for information on how many people have ever gotten a modification. None. They offer to help, you go in program and then take your house.I want something done. This is fraud, they offer a service and do not follow though with it. False hope for home owners.Its a scam. No one gets programs.I have asked for information.Nothing, no one.
Product: Consumer Loan

Lending Club led me to believe that my loan had been approved when in actuality it had not. They continued to request documents, to the point where I realized they had never approved it to start with. Yet one week ago when I applied, their website stated " Your {$1200.00} loan is on its way. '' This is deceptive as there was never a " loan on its way. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act ( FCRA ) -- > XXXX XXXXXXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXXXXXX XXXX, XXXX, XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX A ) XXXX XXXX XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX ) XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX ) XXXX, XXXX XXXX have violated my consumer rights. 

15 U.S.C. 1681 Section 602 A. States I have the right to privacy.

15 U.S.C. 1681 Sections 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit card or prepaid card

I paid a company called XXXX in XXXX of XXXX the sum of XXXX, this came with a monthly service charge of XXXX on my XXXX XXXX. After a year they told me they were no longer accepting XXXX, I could only assume XXXX had a problem with chargebacks due to fraud. They then convinced me to give them my visa card. The only way to be successful would be to purchase the Platinum Package which was worthless. They charged my XXXX card for years convincing me I was going to make money.I spent a good part of my life in the service and was counting on this to supplement my retirement. To my dismay the XXXX XXXX XXXX that all this was charged on told me they would only go back 90 days.I talked to a girl called XXXX, who was not very helpful.I wanted to dispute them as services not rendered or merchandise not as described, which I have been told the time frame could be as much as 540 days.My visa has a total of XXXX from this company.I do not feel the XXXX people are correct. XXXX told me they would cancel my remaining 11 months.To me that tells me they know they are wrong.This merchant should refund me in full.They broke all the FTC rules.Not only did they break the law, they left me with no online business, in debt, and no ability to earn money.The bank says they can not help me but the merchant can take my moneyI am only asking XXXX XXXX XXXX to help me using their own rules and regulations.These at home business opportunity companies should not be allowed to operate a merchant account.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl,XXXX  XX/XX/year> Consumer Financial Protection Bureau Office of Complaint Response XXXX XXXX XXXX XXXX XXXX XXXX , Maryland XXXX Dear Consumer Financial Protection Bureau , I am writing to file a dispute regarding alleged violations of 12 CFR 1006.34 ( b ) ( 5 ) by [ XXXX  XXXX XXXX XXXX ], a debt collector for XXXX XXXX XXXX 

Insurance was obtained on a car that we didnt have a month, when the car was repossessed because financing wasnt available I didnt cancel the insurance ; therefore I was charged insurance for a car I didnt have in my possession. I contacted the insurance company when I received the bill and gave them this information. I believe the insurance company owes me a refund. 

I received a communication from [ XXXX XXXX XXXX XXXX ] regarding an alleged debt originally owed to XXXX XXXX. I believe this communication violates the Fair Debt Collection Practices Act ( FDCPA ) through its failure to comply with 12 CFR 1006.34 ( b ) ( 5 ). 

they failed to provide accurate validation information, or that they continued collection activities after the validation period expired. ] I request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action against [ XXXX XXXX XXXX. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX XXXX XXXX, XXXX
Product: Payday loan, title loan, or personal loan

I can not link my bank account to Earnin XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report and I noticed your furnishing an account on my consumer report that should not be on there. I demand the below accounts be deleted from my consumer report. 

XXXX - {$2500.00} XXXX XXXX MOHELA/DEPT OF ED XXXX - {$3600.00} XX/XX/XXXX MOHELA/DEPT OF ED XXXX - {$3500.00} XX/XX/XXXX MOHELA/DEPT OF ED The reporting of these account ( s ) is/are violations of 15 USC 1681a, The Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; So let me explain. Under the Truth in Lending Act 15 USC 1602 ( g ), credit card is defined as the following : The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. 

This makes my social security card, drivers license/ID, and license plate credit cards that are/were used for the extension of credit. 
I demand this account be deleted from my consumer report.
Product: Money transfer, virtual currency, or money service

I scheduled a monthly recurring request for an ACH transfer from my savings account at another bank ( DCB  ) to my business checking account at USB for deposit every month on the XXXX of each month. 

The money is withdrawn from my account at DCB on the XXXX   but not deposited to my account till the XXXX. WHY? 

I believe that USB can not hold my funds illegally for 3 days FOR NO REASON. 

In this day and age when I can transfer funds electronically in seconds by XXXX and other intermediaries, why are ACH transfers taking this long? I have had other banks deposit such transferred funds the very next day. I believe this " SITTING '' on my funds is illegal and should be investigated at USB.
Product: Credit card

My Pay pall smart connect account was stolen and used to make purchases in an amount of {$500.00}.
Product: Credit reporting or other personal consumer reports

My account with this XXXX XXXX is being reported late and i was never late! I have had exceptional payment history with this company and all payments were placed on Autopay. 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 USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XX/XX/year> to be removed They are not in compliance with the following law. 15 USC 1666b 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!

15 USC 1666b ( 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 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

This company never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

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

Delete the late payments from my consumer reports.
Product: Debt collection

On XX/XX/2022, I received mails forwarded from my old address XXXX XXXX XXXX XXXX, # XXXX XXXX, CA XXXX to my current address XXXXXXXX XXXX XXXX, XXXX, CA XXXX from Global Payment Checks Services attempting to collect a debt of {$500.00} made on XX/XX/2022 and another {$500.00} on XX/XX/2022 at XXXX XXXX XXXX in XXXX, CA due to both linked to my " frozen account '' ending in XXXX. 

I was recently a victim of identity theft- for which I have already filed two separate CFPB complaints against XXXX XXXX XXXX XXXX for the XXXX  account # XXXX ( CFPB ID XXXX ) and the XXXX account # XXXX ( CFPB ID ID XXXX ). I also filed police reports on both of these incidents. 

In both of these incidents, XXXX has responded confirming that the impersonator was indeed allowed to make withdrawals from my accounts using my stolen driver 's license ( that still has a valid date ). XXXX has refunded my funds for both instances. 

I have attempted to called Global Payments Check Services multiple times explaining that I am a victim of identity theft and these transactions were made on my account ending in XXXX, which I froze myself to prevent further unauthorized withdrawals/transactions. However, Global Payments Check Services did not seem to believe me. On XX/XX/2022, I have submitted to them my declaration of fraud and supporting documents.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX Balance : {$2200.00} XXXX XXXX XXXX XXXX : {$11000.00} XXXX XXXX XXXX Balance : {$2200.00} XXXX XXXX XXXX Balance : {$11000.00}