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

I requested a credit balance check in the month of XXXX. I called US Bank and asked when the check would arrive. I was told, instead, that the bank pushed the payments back to the third-party bill payer, CheckFreeBillPay. I shared my frustration with this action as I would have never requested this option. 
I called XXXX and they only refunded me four payments totaling, less than {$10000.00}. They gave the reference numbers and I received the return. However, the total return from US Bank was supposed to be {$10000.00}. I called US Bank and my phone call was elevated to a supervisor who created a inquiry about the missing ~ {$700.00} returned payment. A week later I received a letter from the Payment Research Department stating that the refund was completed given a trace number ( XXXX ). I called XXXX and they had no record of such a trace number. I provided them the US Bank altitude card number and saw the refund for the 4 payments that I already received. They clearly stated that there was no other refunded money. They checked the trace number 3 times. 
I called US Bank again, and again elevated to a supervisor who apologized and elevated the issue. A week later I received another letter from the Payment Research Department, stating the exact same words as the previous letter. XXXX from Payment Research Department said they it was received XXXX to XXXX with the same trace number. Again, XXXX has no idea what this number refers to and I am still waiting on my full refund for over a month. 
I am very angry at the customer service I have received. Its one thing to receive same exact letter a second time, insinuating that it must be my fault or that US Bank is not at fault at all, its another to place the burden on me to find the money you returned in the way I did not ask. 
I have found calling a third time to be a waste and rather a letter stating what has happened and my request for US Bank to call XXXX and then call me at XXXX or my husband at XXXX to tell us where the money is at. I do not want another letter. A person should be calling me. I have been patient about this issue but the treatment I have received is one of the worst I have received. 
I hope this issue is resolved. If not, I will elevate to the consumer financial protection board and pursue other legal remedies.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello Ive been a victim of fraud and I would like for these hard inquiries off of my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently took a look at my credit report and noticed some hard inquiries that are not familiar. I reached out to the company 's and requested my authorization documents only to be ignore. Violating section 609 and 604. I would like all theses hard inquiries from all 3 credit bureau immediately it's affecting my ability to get approved for offers. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

he reason I am filing this complaint is because of the wrongful and damage this agency is doing to my credit history. 

I have signed a year lease with XXXX XXXX on Saturday XX/XX/. I never moved to the premises due to the unsafe environment I've found : neighbours using drugs right next to my apartment and growing weed in the garden. 

I called the police that same day and filed a complaint. I've also went back to the management office and told XXXX the property manager that this environment was unsafe for me and that this violates the Florida Health/Safety codes and I was to return my keys and the apartment that I never took possession to under Florida Statues Landlord Tenant 83.60 Attached there's the email I wrote to the leasing office XXXX XXXX XXXX XX/XX/ after several unreturned calls and I was giving up my deposit and first month. I have also spoke personally with XXXX on XXXX XXXX but he was not helpful at all and basically said that once I've signed I had to pay in full for the full lease even if I was not to live there. 

First infringement on this contract that suppose to be a drug free environment. 

The XXXX XXXX management kept my deposit and first month ( attached money orders ) as Early termination signed ( attached addendum early termination fees ) but after 3 years of the incident and probably due to new management in charge they send this account to collections via Ideal Collection Services. 

I've been disputing this case with the credit bureaus but the agency continues to claim this is mine because they are seeking to charge for it but under the Fair Credit Reporting Act this item must be removed as explained the reasons and because the XXXX XXXX already took the fees for early termination and this case was closed.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXXXXXX 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 XXXXXXXX XXXX to my XXXX, my XXXX, my XXXX XXXX XXXX and to my XXXX! I demand the late payment reported in 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. 


XXXX XXXX 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: Credit reporting or other personal consumer reports

I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of trafficking. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I would like these item deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.
Product: Mortgage

In the process of closing on my co-op and my mortgage company, XXXX XXXX XXXX, states the stock and lease is with an investor and should take up to 4 weeks to retrieve the documents. As of XX/XX/XXXX, it will be 4 weeks from the date they were ordered ( XX/XX/XXXX ) to procure them. As of yesterday, XX/XX/XXXX, my attorney states shes been calling and emailing the banks attorney and has not received any contact back. They know we are up against a clock and will be in breach of contract as of XX/XX/XXXX. As of right now, looks like Ill lose the sale of my co-op due to lost documents that are out of my control.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE FCRA STATES THAT ALL INQUIRIES MUST HAVE A PERMISSIBLE PURPOSE AND THAT THE CREDIT BUREAUS HAVE TO HAVE DOCUMENTATION ON FILE OR IF I REQUEST IT THAT THEY MUST REQUEST THE DOCUMENTATION TO SUPPORT THEIR POSITION TO LIST INFORMATION AGAINST A CONSUMER. I AM ASKING THAT THE FOLLOWING INQUIRIES BE FULLY INVESTIGATED AND THAT PROPER DOCUMENTATION BE SENT TO ME SHOWING THAT I GAVE PROOF GRANTING PERMISSIBLE PURPOSE TO THESE COMPANIES TO PULL MY CREDIT TO EXTEND A CREDIT LINE TO ME. THIS IS NOT A REQUEST FOR ANY SECURITY FREEZE OR FRAUD ALERT TO BE PUT ON MY FILE. I AM ASKING THAT THE LAW BE FOLLOWED AND THE BURDEN OF PROOF CLEARLY LIES ON THE CREDIT BUREAUS TO PROVE BEYOND A REASONABLE DOUBT THAT WHAT THEY ARE REPORTING MEETS THE GUIDELINES OF THE FCRA. 1. XXXX XXXX ON XXXX PULLED MY CREDIT. I DO NOT RECOGNIZE EVER GRANTING THIS COMPANY WRITTEN OR VERBAL PERMISSION TO PULL MY CREDIT. I CURRENTLY DO NOT HAVE ANY LINE OF CREDIT WITH THEM. SO UNLESS EXPERIAN CAN PRODUCE PROOF YOU ARE TO REMOVE THIS INQUIRY FROM MY CREDIT REPORT IMMEDIATELY. 2. XXXX XXXX THIS HARD INQUIRY IS SHOWING UP WITH NO PERMISSIBLE PURPOSE ATTACHED. I AM DEMANDING THAT EXPERIAN REACH OUT TO XXXX AND ASK FOR DOCUMENTATION STATING THAT I GAVE THEM PERSMISSION IN WRITING TO PULL MY CREDIT. IF WITHIN 30 DAYS YOU CAN NOT PRODUCE PROOF YOU ARE TO REMOVE IT. 3. XXXX CARD ON XXXX EVEN THOUGH I HAVE A XXXX CARD I DO NOT REMEMBER ASKING THEM TO PULL MY CREDIT ON THIS DATE ( THE DATE IS IN QUESTION ). I AM ASKING FOR FULL IMMEDIATE PROOF SHOWING PERMISSIBLE PURPOSE. IF YOU CAN NOT PRODUCE THIS THEN REMOVE THE INQUIRY. 4 XXXX ON XXXX I DO NOT KNOW THIS COMPANY, NOR DO I EVER REMEMBER ENGAGING THEM IN ANY CONVERSATION FOR THEM TO PULL MY CREDIT. I AM DEMANDING THAT YOU REACH OUT TO THEM AND ASK FOR A SIGNED APPLICATION SHOWING THAT I ASKED THEM TO GRANT ME CREDIT. IF YOU CAN NOT PRODUCE A SIGNED AUTHORIZATION FORM YOU ARE TO REMOVE THIS INQUIRY AS THERE IS NO PERMISSIBLE PURPOSE. 5. XXXX ON XXXX I DO NOT RECOGNIZE THIS INQUIRY THEREFORE I AM DEMANDING THAT YOU REACH OUT AND ASK THEM FOR A SIGNED AUTHORIZATION FORM SHOWING THAT I GAVE THEM PERMISSIBLE PURPOSE TO PULL MY CREDIT. IF THEY CAN NOT PRODUCE ONE YOU ARE REQUIRED BY LAW TO REMOVE IT. I WILL BE FILING A COMPLIANT WITH THE FTC AND ASKING AN ATTORNEY TO REVIEW THIS AND IF WE DECIDE TO SUE YOU OVER THIS THEN YOU HAVE BEEN WARNED.
Product: Credit reporting or other personal consumer reports

I paid off the settled balance as agree, unfortunately the settlement agreement was never signed by your company ( XXXX XXXX ) in which I was promised that the settlement agreement would be signed by XXXX XXXX. I was the only one that signed the agreement. And as far as my Proof of claims letter and debt disclosure letter is concerned, those are a total of XXXX questions on those documents that i as a customer/consumer have a right ask. Unfortunately, no one from XXXX finance answered the questions. The only response was " YOU DEMAND '' I stop sending " SCMEMS ''. Why haven't XXXX XXXX signed the settlement agreement that was sent to me through XXXX? I was promised that after payment XXXX XXXX will email me a signed document from them agreeing to the settlement contract agreement. " MY QUESTION IS THE AGREEMENT VALID '' as opposed to a final receipt? Just like XXXX XXXX Has a right to email me or call me to ask " THIER '' question to settle at a certain percent, I have the exact same " RIGHTS '' to email or send a letter with questions. And if the questions are avoided/ignored then I have a right to assume the inaccuracy of the account/contract/assigned contract invalid and yes return respectfully the XXXX XXXX XXXX blazer. My questions are fair in the debt disclosure letter and proof of claims letter. However, you/XXXX STAFF insulting response TO MY XXXX QUESTIONS was " XXXX XXXX IS DEMAMNDING ME TO STOP SEND FRAUD SCHEME LETTERS '' No one called me to cover the questions. Also, certain things weren't disclosed in the time of signing the " ASSIGNED CONTRACT FROM THE DEALERSHIP. PLEASE RESPECT MY REQUEST AND MAIL ME THE " SIGNED SETTLMENT AGREEMENT AS WAS PROMISED FROM XXXX XXXX. RESPECTFULLY IF YOU HAVE FURTHER QUESTIONS, PLEASE CALL ME AT Thank you, Respectfully, XXXX XXXX XXXX
Product: Student loan

I learned recently about the TEPSLF opportunity looking at the news. So I started researching this program and found out that it was temporary. This lead me to research the Public Service Loan Forgiveness ( PSLF ) program. After doing much research, I saw that in order to qualify for this  program I had to be in an income-based repayment plan. I've taken a forbearnace for the last 3 years. Every year I called, the XXXX XXXX representatives NEVER informed me that instead of taking a forbearance that I actually could of entered into an income drive repayment plan and get a much lower monthly payment that would've been counted as a qualifying payment under the PSLF program. I am still having financial hardship and I have no other options as I have now exhausted my forbearance and I have no choice but to pay a very high monthly payment! I felt that the representatives I spoke to over the years did not have enough knowledge about repayment options and lack training. This really saddens me as now I can't go back in time and I'm stuck due to XXXX XXXX incompetent staff.
Product: Debt collection

I have made multiple attempts to dispute NCB Management Services. I have no knowledge of this account. I have not signed, or provided my social security number for authorization of this to be on my credit report. As per USC 1681 ( c ) ( 2 ), I believe these reports may have been result of identity theft. The information is not information relating to any transaction by me as a consumer.
Product: Debt collection

XX/XX/XXXX I had answer to a phone call with XXXX XXXX telling me I will have a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXf I havent pay my debt that I am a XXXX  % sure I do not owe because the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
I started to make payments with LCS Financial services Coroporation because I was unaware being young of the age XXXX that I didnt want to do XXXX XXXX so I started the payments and also was questioning if I am going make these payments then I want to at least have my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX said they couldnt help me with that but to try contacting to see if you can find your car and when I was contacting to see where my car at, I talk with someone that knew there rights about the situation that was going on and told me to report this matter to credit bureaus because my car is already charge off and I should not owe no money to no debt collection
Product: Debt collection

There are 2 collection accounts for Mariners on my credit report these items have been paid in full and did not go.into collections. The balance even shows " XXXX '' I have disputed these items several times with w/XXXX and they have declined to have them removed. They should confirm thisningotmation with Mariner Finance as they show paid as well and in fact I have a new loan with them for {$3000.00}. 

These negative items need to be removed
Product: Credit reporting or other personal consumer reports

My wife at the time purchase an XXXX XXXX  with my name on it and I gave no authorization to XXXX XXXX or my wife at the time to open this account.
Product: Money transfer, virtual currency, or money service

I AM FILLING A COMPLAINT AGAINST CASH APP ( BLOCK , INC ) DUE TO INADEQUATE COSTOMER SERVICE AND UNFAIR PRACTICES, WHICH VIOLATE THE CONSUMER FINACIAL PROTECTION ACT ( CFPA ). SPECIFICALLY, CASH APP FAILED TO TAKE TIMELY AND EFFECTIVE MEASURES TO PREVENT AND ADDRESS FRAUD ON THEIR PLATFORM, LEAVING MY ACCOUNT VUNERABLE AND UNPROTECTED. FURTHERMORE, THEIR DIPUTE RESOLUTION PROCESS WAS UNFAIR AND DECEPTIVE, AS THEY DID NOT COMPLY WITH ERROR RESOLUTION REQUIREMENTS UNDER THE ELECTRONIC FUND TRANSFER ACT ( EFTA ) AND REGULATION E. THESE ACTIONS HAVE CAUSED SIGNIFIGANT INCONVENIENCE AND FINICIAL LOSS, AND I SEEK APPROPRIATE REDRESS FOR THESE VIOLATIONS.
Product: Debt collection

XXXX, XXXX XXXX XXXX SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX XXXX XXXX XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.

The reference items are listed below please take this matter very serious MIDLAND CREDIT MANAGEM XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re Portfolio Recovery Associates, LLC Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the XXXX District of California Stop collection  proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX
Product: Credit reporting or other personal consumer reports

I'm XXXX XXXX XXXX and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
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 am writing to dispute a fraudulent account that appears on my credit report. The account details are as follows : - **Account Name : ** XXXX XXXX XXXX XXXX ( Also known as XXXX XXXX XXXX XXXXXXXX ) - **Account Number : ** XXXX - **Date Opened : ** XX/XX/year> - **Balance : ** {$190.00} This account was not authorized by me and was opened as a result of identity theft. I have never had any dealings with this company and did not consent to this account being opened in my name. This fraudulent account has severely impacted my creditworthiness and has caused undue stress and hardship. This account was previously removed from my credit report but has inexplicably reappeared. I am requesting its immediate removal once again and that it be permanently blocked from reappearing on my credit report. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c-2, I am entitled to have fraudulent information resulting from identity theft removed from my credit report. Additionally, Californias Identity Theft Protection Act ( Cal. Civ. Code 1798.93 ) reinforces my right to dispute and demand the removal of fraudulent accounts. This repeated reappearance of the account violates my consumer rights under both federal and state law. I demand that this account be removed and blocked from my credit report permanently and that I receive confirmation of this action in writing. Failure to comply with this request will leave me with no choice but to pursue further action, including legal remedies under the FCRA and California state law.

Attached documents are FTC identity theft report two forms of identification, dispute letter detailing fraudulent account
Product: Credit card

For no reason that they will tell me Barclays called me on XX/XX/2016 to ask for a copy of my social security card, drivers license, and a utility bill. Then before I could send anything closed my account anyways with no notice and no explanation. My credit is still over XXXX and I have never missed a payment to any creditor.
Product: Credit card or prepaid card

I have a Platinum Mastercard credit card with Capital One Bank. My Payments are due on the XXXX of every month and I initiated a transfer of the remaining balance on the card to my XXXX card on XX/XX/XXXX in the amount of {$200.00}. I mainly wanted to pay off the card, because my account was placed on restriction by Capital One, for reasons unbeknownst to me. Unfortunately Capital One processed the payment late, charging me a late fee of {$25.00} and two interest charges. I called Capital One to provide proof that I did indeed pay the account on time and I want to close the account. The associates refused to provide any info regarding the account over the phone with me, despite having answered security questions such as what is my SSN, etc ... Please resolve because this account is accruing interest fees and charges, impacting my credit score ... when the payment to pay off remaining debt has been issued.
Product: Checking or savings account

I opened  a Wells Fargo  checking account on  XXXX . The deadline to open an account for the {$250.00} promotion was  XXXX . I confirmed via secure message that the promotion was attached to my account. I completed the requirements for the bonus (  XXXX  debit purchases or {$500.00} direct deposit -- i completed both ) and still have not received the bonus.