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

XXXX XXXX XXXX has continued to report a closed account as being late. All three credit agencies has deliq date of XX/XX/XXXX and XX/XX/XXXX. Due date for this vehicle was the XXXX of each month. I was never 30 days late in XXXX. Confirmation number for XX/XX/XXXX XXXX amount {$900.00} ; XX/XX/XXXX confirmation XXXX XXXX ; XX/XX/XXXX confirmation XXXX {$880.00}. 
I paid off vehicle XX/XX/XXXX with a check from XXXX XXXX. I called them with check number the next day and told customer service lady that i paid it off and got a new XXXX XXXX. I also sent an payoff email confirmation XXXX through site on XXXX XXXX and they closed it on the XXXX. I also received a letter dated XX/XX/XXXX that they received payment. I paid off before XXXX payment was 30 days late. I disputed and the late payment on credit report. They came back and put past due no more than 2 late payments. I was never 30 or 60 days late. 
How can i be 30 days late on XXXX payment if i paid off car and received a check from XXXX. I have the letters and all confirmation payment emails that i can prove. No one from credit bureaus or the company will help. I have to stay on hold for 20 mins just to be disconnected. Please remove off report. I am XXXX XXXX and this is hurting me. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2022, Experian investigated a debt collection on my credit report and the debt collection and hard inquiries was removed from my credit report after investigation. However, it has been 30 days and my credit score is still poor and did not increase after the errors were removed.
Product: Credit card or prepaid card

Two months ago I purchased some items on JC Penney website. Some items shipped while 1 did not. 

I went to the local store when they opened to return a ring that did not fit. While I was there I asked to cancel and refund the necklace I did not get yet. 

As in most cases soon as I am billed I pay my credit card off in full. So I got the refunds and cancelled the order. 

Then I went and purchase a new ring, necklace and some other gifts. 

Over a month passes and out of the blue I get an email that my order shipped. I called JCP customer services and like most large companies the services is discombobulated, and as you can guess I got nowhere. 

The item arrived last month, so I called and got a return label which was not provided with the order. Then took it to a XXXX XXXX to return. 

3 weeks pass and as I am checking my accounts on line i see a charge for that item again. I called JCP customer services, the rep could not help me so I got a mgr online. 

I told her because of everything why should I pay and then have to wait for a refund? 
Haven't i been through enough? She finally said she would issue the payment. 

I think that call caused her to say something and it caused closure of the account. 

I finally got a credit but I can not tell if there are missing amounts or not. That is a deceptive way of doing business. The letter of closure is dated the same day as the call with customer services.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency cantat furnish a account without my written + instructions.

15 USC 1666B : A creditor may not treat cik payment on a credit card account under an open end consumer credit plan as late for 284 purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

Attached to this complaint is a copy of my credit report specifically the account which is inaccurately being reported by XXXX XXXX 

I have previously sent copies of these inaccuracies to XXXX XXXX Also, attached is response letters by XXXXXXXX XXXX dated XX/XX/XXXX that has been marked in the red ink to show incorrect statements.. and blatantly, willful violations of the fair, credit reporting act and the fair debt collection practices act. 

XXXX XXXX is in violation of 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. 


In response to XXXXXXXX XXXX  letter dated XX/XX/XXXX The attached credit report ( attached ) shows that the information being reported by XXXXXXXX XXXX does not match between all three credit reporting agencies, which means somewhere there must be an inaccuracy How can XXXXXXXX XXXX  be reporting accurately to the credit reporting agencies if each credit reporting agency has different information? 
the account number for the ( XXXX ) account does not match between all three credit reporting agencies The account type for the ( XXXX ) account does not match between all three credit reporting agencies the number of months ( terms ) for the ( XXXX ) account does not match between all three credit reporting agencies the high credit for the ( XXXX ) account does not match between all three credit reporting agencies the last reported date for the ( XXXX ) account does not match between all three credit reporting agencies The comments for the ( XXXX ) account does not match between all three credit reporting agencies The date last active for the ( XXXX ) account does not match between all three credit reporting agencies The date of last payment for the ( XXXX ) account is blank on all three credit reporting agencies ( In the two-year payment history ), from the date of XX/XX/XXXX to XX/XX/XXXX for the ( XXXX ) account does not match between all three credit reporting agencies the letter, states that the last payment XXXX received was XX/XX/XXXX for the XXXX cycle. ( Which admits that there was no payment in XX/XX/XXXX ). 
the credit report attached shows that XXXX indicated a payment in XX/XX/XXXX ( inaccurate ) because of the inaccuracy of XX/XX/XXXX the date of charge of is in accurate as well 36 separate violations of the fair credit reporting act proven in attached credit report letter from XXXXXXXX XXXX  dated XX/XX/XXXX proves how many times I notified XXXXXXXX XXXX of these inaccuracies Because I notified XXXXXXXX XXXX more than eight times within a two year span makes their violations willful ( took longer than 30 days to fix the inaccuracies ) there is no way anyone with eyes can look at this credit report and not see the inaccuracies which equal violations
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  is reporting inaccurate information on my report. Please look into this matter and have this account removed from my credit files
Product: Vehicle loan or lease

My Vehicle was involved in an accident back in XXXX of XXXX while the car was in the shop getting repaired we had a rental car for 30 days that was covered by the insurance company. 
we were advised by the repair shop, that the repairs were delayed due to XXXX 's delay in sending the necessary parts to the repair shop. I contacted XXXX to expedite the parts but they didn't. the car spent over 4 months in the shop and I was forced to keep my rental car as I have XXXX kids and job I have to get to and not having a car was not an option. 
I spoke with XXXX XXXX XXXX for a reimbursement of the rental fee which they said they would do. they asked me for the pertinent paperwork and I submitted all the necessary paperwork right away, the paperwork showed the XXXX invoices from the car rental company, the credit card statements reflecting I paid for the rental out of pocket. 
I also submitted a XXXX per XXXX 's request when they told me they were going to reimburse me for the XXXX invoices. 
months later when I called to follow up since I did not receive payment I was advised that the claim was denied. then that I had a free will but only for partial payment. in XXXX of XXXX ( 9 months after the initial claim was made ) I received a check for only XXXX of the invoices I submitted, conveniently, the lowest of the XXXX invoices. 
I have been calling XXXX every week for the past XXXX weeks and they keep telling me they are escalating the case but I never receive a call or an e-mail. in addition they tell me that there is a " good will '' on my account and I should be getting the reimbursement in a few weeks, then I call again and they don't have a record of that conversation. This is absurd! a company like XXXX XXXX should be more responsible with their consumers and clear with their message. I am {$2100.00} in debt with my credit card for charges that were accrued because of XXXX 's inability to provide parts. 
I need someone to help me make mw whole as I still believe XXXX should reimburse me for this. I have spent countless hours on the phone with them with a different story every time I talk to them. I feel cheated and abused!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is in response to reply given by TransUnion for complaint number XXXX. I am hereby logging the complaint again as directed along with asked proofs. I will like to clarify that I do NOT have US passport as I was always XXXX citizen in USA and now as well. I can submit an expired copy of US permanent resident card or current XXXX passport. Kindly advise to get my US credit report at my XXXX address. I am hereby submitting XXXX government issued identification XXXX address proof as well bank statement for address proof as directed as two proofs from the prescribed list by TransUnion. I look forward to my credit report at the earliest.
Product: Credit card or prepaid card

Greetings! I have recently filed a complaint with CFPB, case # XXXX, and have receive a very unclear response. Since the company in question, CITI BANK does not reply to my follow up, not XXXX XXXX XXXX has ever picked up the phone, I am submitting another letter with more precise follow up questions. 

To recap : my XXXX credit card application was denied solely for the reason of my citizenship and/or immigration status. 

XXXX XXXX, please, address the following questions with as much precision as you can to help me fully understand the reason for the inability of your company to continue with the process : 1. In your original letter, you mentioned that " due to the United States laws and regulations pertaining to transactions with or in XXXX ''. QUESTION 1 : what laws and regulations you are referring to? Please, cite names and numbers, if applicable, so I can familiarize with them. NOTE : I have never heard of any such U.S. laws as I presently have and had in the past credit cards with all major banks. QUESTION 2 : if such laws and regulations exist, are other banks exempt from them? 

2. I would like to clarify the actual reason for the denial. To my knowledge, the bank is NOT making transactions WITH XXXX, NOR IN XXXX. I am a private citizen and live in the US for many years, I am a resident of this country and pay taxed as a resident. The back of the letter you sent me explicitly states that ECOA prohibits discrimination based on many factors, including national origin, provided the applicant has the capacity to enter into a binding contract. In my opinion, my credit records do show my capabilities and trustworthiness, unless you can present a reason why you would think otherwise. QUESTION 3 : how come your sole reason for the denial is my citizenship/immigration status? Isn't that a direct violation of the ECOA laws? I say : look at my credit score, not my passport! 

3. I was speaking several times with CITI BANK representatives and have been told repeatedly that CITI does not discriminate, even though in my mind, this is a direct discrimination based on citizenship status. QUESTION 4 : to help me better understand the discriminatory policy, please, provide a hypothetical example, where your company would indeed discriminate someone based on the same factor. 

4. QUESTION 5 : does CITI BANK have a unified policy towards ALL applicants? What I mean is whether any non-US citizen or XXXX XXXX holder is not able to obtain a XXXX credit card? Or Ukrainian citizens are in a specific list, for which CITI BANK does not want to open accounts? 

Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, personal loan, or advance loan

This company interests rate was almost 100 % - the pay off was more than expected. 
One Main Financial
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers XXXXThis was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX  more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

ON XX/XX/2022, Sent a letter to XXXX, XXXX, and XXXX informing them the information they are report to my consumer report is inaccurate.
Product: Checking or savings account

On Sunday XX/XX/scrub>XXXX XXXX XXXX vI deposited {$4000.00} cash at Huntington Bank located at XXXX XXXX XXXX XXXX, XXXX, IL XXXX. The machine could not " read '' some of the XXXX dollar bills. I replaced those bills with newer bills. Another error popped up stating the message again. I then proceeded to replace the bills again. A message appeared said to contact your financial institution. A message also appeared on the screen stating that the cash was being taken in. No receipt was provided from the ATM. Nor did I receive notification on my phone as I usually do when making a deposit or withdrawal. I also deposited {$1000.00} dollars immediately after the incident and received a receipt from the ATM along with a notification from my phone.
Product: Debt collection

I have currently have collections of {$3900.00} originally from XXXX XXXX, XXXX XXXX XXXX. This is for outstanding rent that is owed for a business I sold in XX/XX/2020. I spoke with representatives from XXXX XXXX because I was charged rent during the pandemic restrictions ( XXXX XXXX XXXX Official Pandemic Declared XX/XX/2020 ) despite my lease agreement containing a Force Majeure clause which would have stopped rent being owed during the Pandemic restrictions. The clause reads as : 39.Any prevention, delay or stoppage due to strikes, lockouts, labor disputes, acts of God, inability to obtain labor or materials or reasonable substitutes, governmental restrictions, regulations, or controls, enemy or hostile government action, civil commotion, fire or other casualty, and other causes; or, any failure or defect in supply, quantity or character of gas electricity or water furnished to the Premises, by reason of any requirement, act or omission of the public utility or others furnishing the Project with gas, electricity or water, or for any other reason, whether similar or dissimilar to the above and beyond the reasonable control of the Party obligated to perform, shall excuse the performance by the Party for a period equal to that resulting from the prevention, delay or stoppage, except those obligations of Tenant to make payment for Rent and other charges pursuant to the terms of this lease. 

I owned a XXXX, and Pandemic restrictions for XXXX was lifted on XX/XX/2020. I continued to pay rent during these restrictions despite the above clause stating I would not have to. My monthly rent was {$3100.00}. Calculating the days I was mandated to cease operations, I paid {$10000.00} when I should not have. 

When I sold the XXXX  at the end of XX/XX/2020, despite my requests for my money back, I was told that they were still trying to " work it out '' with management to compensate me. However, they never did. They also required me to pay one more month of rent, despite new owners taking over the XXXX. This is why the current collections account is open.
Product: Money transfer, virtual currency, or money service

I made a bitcoin purchase XX/XX/2021, from Cashapp. I tried to to withdraw those funds that same day as advised by my investment broker but have been prevented from doing so despite repeated attempts. Cashapp closed my account arbitrarily on XX/XX/2021. The only responses I have received from Cashapp are standard directions to access my funds, but none of those steps work. I simply want to withdraw my funds but Cashapp won't allow this.
Product: Debt collection

Hello : I have made repeated complaints against CONN 's Appliance in the amount of {$4100.00}. 
I made contact with them on XXXX different occasions regarding furniture that was not working properly and needed repairs.While at Conn 's initially they promised me that they would take care of the repairs at no charge to me in the event of things not working properly. 

The bed that I purchased was not assembled with all necessary bolts and weakened over time. I contacted them repeatedly and they said that there was nothing they could do because they didn't have the right equipment to service. I explained that it was unfair and unethical to promise repairs and then not do them and still expect me to pay for it. I asked them to come and pick up the bed and they refused.
Product: Credit card

I received the response from the CFPB regarding Ally Bank and the response stated Ally purchased the account back from Portfolio Recovery, my account was notated and the representatives at Ally bank would know how to handle my account when I called into set up my payments. 

The harassment has NOT STOPPED! I will be filing a lawsuit in small claims now seeking the maximum of {$80000.00} in damages. 

I called the number XXXX provided in the response letter the CFPB sent to me. I was told multiple times by Ally representatives that I needed to call XXXX XXXX as they still owned my account, my account was suppressed from credit reporting by Ally and XXXX representative was trying to get a XXXX on the phone and instead terminated the call on me. 

Im XXXX and suffer from XXXX XXXX XXXX XXXX XXXX XXXX XXXX  which have severely gotten worse dealing with this issue. 

I have in good faith tried to resolve this in an amicable manner and have been lied to by Ally Bank. Im requesting the CFPB retrieve all call recordings that I made to Ally Bank from XXXX. I want them reviewed. 

Also, when Ally Bank receives my lawsuit, Im requesting a copy of all the call recordings be provided to XXXX XXXX. 

Im requesting as well that Ally Bank be fined and you investigate in detail my complaint. 

Im also, requesting the debt be cleared as I will not pay because of all the upset I had to endure. 

XXXX from Ally called me the day he submitted the response to the CFPB and told me the account was purchased back which was a false statement. 

I tried to pay and Ally Bank refused yesterday to take my monthly payments. I will also be filing a separate complaint against XXXX XXXX for violating the FDCPA and will seek damages as well up to {$80000.00} in small claims court.
Product: Credit reporting or other personal consumer reports

This account was charged off on the following date : XX/XX/XXXX Since then the date of last activity has been inconsistently updated. On Equifax the date last active is ( XX/XX/XXXX ) an an XXXX its ( XX/XX/XXXX ) and on XXXX is ( XX/XX/XXXX ) If the information is coming from the original credtor the dates should be the same. We can not say these account are 100 % accurate so it is deemed INACCURATE. Please delete this account from my report. 
ACCOUNT XXXX
Product: Payday loan, title loan, or personal loan

Check and Go XXXX XXXX XXXX, XXXX, TX XXXX Employee : XXXX XXXX Called and first thing he asked for was my DOB to verify identity. I asked him why and he did not give details, but insisted for the DOB and then I found out it was for a payday loan he was trying to get approved. I did not apply for a loan. I have a security freeze on my account. The caller said I do not have a security freeze listed on my social, but I know this is incorrect. 

I also checked my credit report and see this company pulled my credit without my consent. 

This could be a fraud scheme to get my identity in order to get a loan under my name without my consent. It was a very suspicious call.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act. 
This creditor has violated my rights. 

under 15 USC 1681 section 6 0 2, States I have the right to privacy.

15 USC 1681 section 604 a section 2 It also states a consumer reporting agency can not furnish an Account without my written instructions.

Under 15 USC 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: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that covering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This la k of accountability and transparency is unacceptable and raises serious concerns about consumer safety.