23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I took out a 0 % interest loan/credit card with Wells Fargo for XXXX, faithfully made monthly payments of XXXX to have it paid off in the 18mo time frame. Due date is the XXXX of each month. On three occasions the XXXX was on a Sunday this branch is closed on Sunday and I paid on Monday morning, I physically go to the branch and i always have paid this way. I'm being charged a late fee of XXXX, XXXX for the first payment and XXXX for the second and third payment which were paid on Monday. I talked to the branch and they sympathized and told me to call retail services for Wells Fargo, I did and one late charge was removed, I asked to escalate the call, and was told by second tier nothing could be done. '' It was my choice to go to the branch, and I should have gone on Friday ''. I believe the fees are grossly unfair and rather outrageous. 

Thank you for your attention to this matter
Product: Checking or savings account

Citizens Bank sent me an account opening bonus for {$700.00}. {$300.00} for opening a checking account and making $ XXXX direct deposits within 60 days, {$300.00} for opening a savings account and making a {$15000.00} deposit within 10 days, and {$100.00} for doing both. I opened the account on XX/XX/2021. I called customer service today to check on the eligibility of my offer, and was told that I only qualified for the checking bonus due to the $ XXXX deposit not posting into the account until the 11th day. I made this deposit within the first week of opening the account, and an " extended hold '' seems to have been placed on my account, because standard availability did not occur, despite bringing a cashier 's check into their branch location at XXXX XXXX XXXX, XXXX, PA XXXX. I was never told about an extended hold and believe that this was done with full intentions to not pay the remaining {$400.00} bonus out. When I asked to speak with somebody higher, I was told that this was firm and they will not be paying this bonus out due to the deposit posting on the 11th day. This is entirely unreasonable and entirely shady on behalf of the bank, although this seems to be common practice with Citizens Bank. I want my {$400.00} bonus paid out on or XX/XX/XXXX, along with my checking account bonus, which is set to be paid out on that date as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked mt credit report through my bank and there was an inquiry for a credit card that I did not apply for. I called the credit bureau and they said I had to call the credit card company. I called the credit card company and they said the card had been issued and was coming to my address. I told them I did not apply for or want that credit card. They said they would cancel it and remove it from my credit report. It is still on my credit report the credit card is from XXXXXXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX 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!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S. Code 1681b - Permissible purposes of consumer report ( a ) in GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY! 

Accounts to be deleted : XXXX XXXX IN Inquiry Date : XX/XX/2021 XXXX XXXX Inquiry Date : XX/XX/2021 2021
Product: Debt collection

The XXXX  at XXXX  put me in collection and never notified and told me what it was for. I received this when I moved out about 1.5-2 years ago. Attempted to fix it but havent gotten any information. Many failed attempts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want Experian and XXXX to immediately delete and remove all fraud alerts and blocks from my Experian and XXXX credit report, so XXXX XXXX Bank can access and get a copy of my Experian and XXXX credit report to offer me a credit card account and open up a new checking and savings account for me at XXXX XXXX Bank. So XXXX Bank can not access or get a copy of my Experian or XXXX credit report due to a block being on my Experian and XXXX credit report. Full Name : XXXX XXXX XXXX, XXXX : XX/XX/1974, XXXX : XXXX
Product: Credit card

I paid off my credit card statement in full after realizing Paypal was charging me {$500.00} in interest every month! Once I paid off the card I closed my account. After closing the account Paypal charged me {$2.00} in interest. Because my account was closed and I hadn't new charges on the card, I did not owe them {$2.00} in interest, that was their mistake to correct. Over a month later they charge me a {$30.00} late for for not paying the {$2.00} in interest! Now I'm getting a call almost weekly stating that " this is an attempt to collect a debt '' I don't owe you anything my credit card is closed. Please return the balance to XXXX  and leave me alone.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted multiple disputes including asking for method of verification on 2 XXXX and XXXX accounts they are reporting in error. Ive asked for supporting documents if they claim the account is verified. I called today on XXXX/XXXX/XXXX and spoke to a supervisor named XXXX XXXX. She stated they dont have ID numbers. I explained that they did not send any supporting documentation. She stated that they wont supply any physical documentation and that I have to request it myself. Basically all of my rights under the FCRA Section 611 ( a ) ( 6 ) and ( 7 ) are in violation. She proceeded to tell me that they dispute electronically so in actuality they did not verify these accounts properly. They refuse to send me any documentation. I would love to hear what they would have to say so that I can add it to my overwhelming documentation against their company
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit profile, I discovered some credit card and vehicle loan accounts that are not 100 % true and can not be validated in any manner! These items are not being reported as 100 % accurate! I am aware that reporting any information, data, credit cards, or inquiries that do not appear to be 100 % correct is against the laws that safeguard me and other consumers. Within Because these fake collections on my credit report are a serious violation of not reporting an account 100 % accurately, I have the right to sue XXXX and Transunion and XXXX for violating the Fair Credit Reporting Act, which states that everything on my credit report must be 100 % true under 15 USC Code 1681e ( b ) and 15 USC 1681i ( 5 ). If not I can sue these companies for {$1000.00} per violation in federal court!
Product: Credit reporting or other personal consumer reports

I am in the process to buy a home and was told that I have this negative, fraudulent account that do not belong to me. I am victim of identity theft, and these accounts are hindering my life. 

The account number is XXXX under XXXX XXXX I have attached my FTC report and my ID, social security number and bank statement.
Product: Credit reporting 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. 

XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXXXXXX, has violated my XXXX. 

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

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

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: Mortgage

I applied for a loan over the phone with New American funding on XX/XX/2017. I received from the VP officer XXXX XXXX pre-approved loan letter on XX/XX/XXXX. After delivered all requested docs, on XX/XX/XXXX, I received a written full loan approval letter which also stated go ahead to " remove all contingencies '' for my home purchase contract. Upon receipt, I performed my due diligence and obligations pursuant to the purchase contract and removed loan contingency. I would not have done so without the written full loan approval from New American Funding. I had sent all paper work, locked rates, paid for appraisals and inspections and had XXXX on earnest deposit held at Chicago Title. Unfortunately days from escrow, I was told that the VP entitled of my loan quit the company without notifying me and my agent. The loan passed to different loan officers who promised new closing dates. The new loan officer XXXX XXXX asked for more time as they need to unlock the files under the license of previous XXXX XXXX XXXX. It took me and my agent many phone calls and lot of stress to get escrow dates. I experienced many unethical behavior from their employee. XXXX XXXX assistant sent emails to my accountant without my previous authorization asking him to provide false information. My agent tried to talk to a branch manager XXXX XXXX XXXX who introduced to another employee XXXX XXXX XXXX who on XX/XX/XXXX told us they could not fund the loan. As my duty I canceled the purchase agreement as the seller could no longer wait. They put an offer on her new home in Arizona and the sellers of the Seller escrow was also pending on my escrow. While New American Funding VP XXXX XXXX recognized their employee 's mistakes and asked for all receipts of my expenses due to the delinquent behavior of a VP loan officer, I have only received 6 % of damages. It is unfortunate that a lender company like this one can cause harm people, and it is still in business. I am looking for reimbursement of earnest deposit in the amount of {$30000.00} lost due to the delivery of a Full Approval Letter by New American Funding in the purchase of a residential property contract in California in the amount of XXXX.
Product: Mortgage

I need your company to carefully review my mortgage statements for XXXX through XX/XX/year>. 

Statements XX/XX/year> balance {$73000.00} due date XX/XX/year> {$430.00} Unapplied balance {$56.00} XX/XX/year> balance {$73000.00} due date XX/XX/year> {$430.00} unapplied balance {$220.00} XX/XX/year> balance {$73000.00} due date XX/XX/year> {$430.00} unapplied balance {$350.00} NONE FOR XXXX XX/XX/year> BALANCE {$74000.00} DUE DATE XX/XX/year> {$430.00} UNAPPLIED BALANCE $ {$2900.00} I would like an explanation why in XXXX the due date is XX/XX/year> with a balance of {$73000.00} and the current statement XX/XX/year> has a due date of XXXX 2024 with a balance of {$74000.00} Basically going backwards from due date of XX/XX/year> to XX/XX/year> and yet with unapplied amount of {$2900.00}, my account needs to be audited, reviewed and corrected, I hope to hear from you soon before I file a complaint with Florida XXXX Regulations. 

I add my Attorney to the email Sent from my XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX CARD SERVICES Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX, XXXX XXXX 
Account # XXXX has violated my rights. 

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

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

I am following up on a prior complaint I filed against the credit bureaus for failing to investigate my dispute regarding inaccurate information on my credit report. I filed a complaint XX/XX/year> and they said I didn't send enough information. Though I have already sent them copies of my license, social security card and a recent proof of address I sent it again wit my most recent dispute and they failed to investigate and respond within 30 days. The bureaus nor the furnishers have done what the law states and correct or delete the inaccurate information. I am currently weighing further legal options because they have not done their jobs while violating the law and it is causing me a great deal of harm and stress.
Product: Debt collection

Ive asked them to repeatedly stop calling me while Im at work but they keep continuing to do so. I work at a XXXX  and I can not have repeated phone calls between business hours They call everyday two times a day, for the amount of {$1500.00}
Product: Credit reporting or other personal consumer reports

Im filing a complaint about an incorrect address " XXXX XXXX XXXX, XXXX, NJ XXXX, '' thats listed on my Equifax credit report. This address does not belong to me, and it violates the Fair Credit Reporting Act ( FCRA ), which requires credit reports to be accurate. Also, my current employer, XXXX XXXX, appears on my XXXX report but is missing from Equifax. I need this information updated to reflect the correct details. These errors are frustrating and increase my risk of identity theft. XXXX asking for the immediate removal of the incorrect address and for my current employer to be properly listed to keep my financial records accurate and prevent further issues.
Product: Debt collection

I initially applied for an Indigo Card through Genesis bank. I never received the card and I advised them of this. I was told they would send me a new card. I never received it. There was a purchase. made on the card. Genesis responded and sent me a letter advising that I do not owe anything for the account and am not responsible. The account shows closed on my account and should actually be deleted. Regardless it has now been sent to XXXX XXXX XXXX as they bought it as a charge off. On XX/XX/XXXX I sent a copy of the letter from Genesis saying I am not responsible to XXXX XXXX. Today I received an email from XXXX Oaks via email saying the charges are valid. I spoke to a manager today and he said I am responsible. I am not responsible. 
Please see all attachments.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to XXXX, Equifax and XXXX for over 2 years regarding XXXX accounts that are not mine reporting on my credit reports. They refuse to prove to me or show evidence that these accounts belong to me and they won't remove them although I have told them I have been a victim of identity theft 2xs in my life. I just want them to stop ruining my life and delete this false reporting from my credit reports. 

XXXX XXXX XXXX Last reported XX/XX/2022 {$1000.00} Open XXXX XXXX XXXX BANK XXXX A and XXXX XXXX Last reported XX/XX/2022 {$190.00} Open balance XXXX Original creditor
Product: Credit reporting or other personal consumer reports

these accounts that i am disputing are problematic and the need to be reinvestigated. it's your duty, mandated by law to reinvestigate any dispute sent
Product: Money transfer, virtual currency, or money service

I purchased an item online on XXXX and I sent this person {$150.00} dollars on XX/XX/XXXX. They said they were going to send the item to me and never did. He ended up being a scam. I contacted them and they ended up blocking me and ended up changing their name on XXXX. The number they texted me from and I sent the money to was XXXX XXXX XXXX XXXX. Their XXXX was XXXX XXXX but they changed it toXXXX. I contacted chase as well and XXXX & said they couldnt do anything for me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX Auto Loan In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised this is my SECOND WRITTEN REQUEST that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under 15 USC 1681n and 15 USC 1681o regarding your continued willful and negligent noncompliance.

Despite my previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. 

In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me with a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ). You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX, XXXX, and TransUnion shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first XXXX digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at XXXX, XXXX, and TransUnion are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus 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 my file in accordance with paragraph ( 5 ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. 

Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

XXXX XXXX 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 XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently contacted Transunion to remove the inaccurate spelling of my name and was met with negative results. I have recently been a victim of identity theft. I am distressed about the incorrect information appearing on my report. Credit reporting laws ensure that bureaus report 100 % of accuracy.
Product: Credit reporting or other personal consumer reports

XX/XX/year> I file complaint with the FTC and submitted my claims with all three credit bureaus. There were a breach with all XXXX companies. 
XXXX XXXX # 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
Product: Credit reporting or other personal consumer reports

XXXX, XXXX, & Equifax continues to report the account XXXX Account # XXXX incorrectly which causing me significant harm. They keep claiming to verify the account as accurate but they have provided no evidence that they even completed a reasonable investigation into my claims. The account can not be reporting as charge off because banks and financial institutions are insured under FDIC and does not incur any losses. The consumer agencies are not following federal law and their internal policies does not override law. This is my final attempt to get them to remove this account or take this as legal notice that I sue each consumer agency independently for various violations of federal law.
Product: Credit card or prepaid card

This account was open without my permission account ending XXXX Capital One
Product: Debt collection

I have constantly disputed this collection as it is not mine. I have gotten repeated harassing phone calls from the debt collector and in process of seeking legal preparations for a law suit. The account in question belongs to my XXXX brother with the same last name and date of birth not me. Or SSN are 1 digit apart. This account is not mine and I want it removed ASAP from all credit bureaus to include XXXX, XXXX, and XXXX immediately. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received a copy of my XXXX, XXXX and TransUnion consumer report, and it has come to my attention that the company is reporting my transactions with their company to the consumer report. 

XXXX XXXX XXXX LATE PAYMENTS : XX/XX/2022 ACCOUNT # XXXX This company is in clear violation of the law. Under 15 USC 1681b permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

Did I give you written instructions to furnish this on my consumer report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681a ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS Except as provided in paragraph ( 3 ), the term consumer report does not include- ( A ) Subject to section 1681s-3 of this title, any- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Delete the above late payments from my consumer report, XXXX XXXX XXXX is in violation of 15 USC 1681.