23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

On XX/XX/year> I was over charged by XXXX for a rental car. The amount over charged was {$100.00}. I tried to get in touch with XXXX for a week, to no avail. I called Capital One, explained the situation and they agreed to contact XXXX and they gave me a provisional credit. I heard nothing from them and on XX/XX/XXXX, they took the provisional credit away., but I didn't notice it right away. I called in XXXX and XXXX and reps said they didn't have any information on it, so it must still be in research. On XX/XX/XXXX, I insisted on speaking to someone about the case and I got transferred around to several people, XXXX of them stated that they needed more information and she gave me a case number XXXX and a secured link to submit any evidence. I completed it all that day. Again, I heard nothing back. In XXXX, I called and there was no update again. I got transferred around several time until I got XXXX, who was ever so pleased to tell me that my case was close in XXXX and they could not re-open it. I told him that was not true and that I submitted a bunch of screenshots and receipts in XXXX and I haven't heard anything. He stated that they have been sending electronic communication, that I need to check my portal. I said that I didn't know how to do that I only signed up for paperless billing and I have always received any other correspondence in writing at my XXXX XXXX XXXX He told me that I was lying and that I signed up for all communications to be sent electronically. So we went back and forth on that. He very rudely stated that he wasn't going to reopen my case and he wasn't going to make any changes to my account. I spend at least XXXX on this credit card every year. Why would I be scraping over {$100.00}, if it wasn't an unauthorized expense. This credit card made a commitment to protect my financial transactions. I pay an annual fee for them to protect my financial transactions and as such I am going to hold them accountable for doing the right thing. 

ack - XXXX XX/XX/XXXX Secured Link
Product: Debt collection

XXXX XXXX I checked my credit score which is always near perfect, and I noticed it dropped and it said I had an unpaid bill for {$960.00} from XXXX XXXX XXXX  XXXX and it was sent to debt collections National Credit Management. I have never heard of XXXX XXXX XXXX XXXX, nor is this my bill.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im unable to unlock my credit report with Equifax getting a error and called customer service never heard back from them and I cant unlock my credit report They are charging me for the service
Product: Credit reporting or other personal consumer reports

Hi, hope all is well! My name is XXXX XXXX and I write to dispute certain information in my file resulting from items that i did not consent to authorize nor benefit from. Please REMOVE this information no more than 15 days after receiving this request as required from the law in the FCRA. 

The following accounts : Account : XXXX XXXX XXXX XXXX DATE OPENED : XX/XX/XXXX  ACCOUNT TYPE : AUTO LOAN Inquiries : XXXX XXXX XXXX XXXX DATE OF INQUIRIES : XX/XX/, XX/XX/XXXX  and XX/XX/XXXX  15 U.S. Code 1681c2 - Block of information resulting from identity theft ( a ) BlockExcept as otherwise provided in this section, 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 by such agency of ( 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 information relating to any transaction by the consumer. Failure to comply to request 15 U.S. Code 1681o - Civil liability for negligent noncompliance ( a ) In generalAny person who is negligent in failing to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. These accounts should not be furnished on my consumer report as they are in VIOLATION. I am a victim of identity theft, it has been 30 days and you are in violation off this law! Please delete these items immediately. 
Under, 15 U.S Code 1681b In addition, Transunion, Equifax and Experian are suppose to report everying 100 % the same and correctly. Please delete this inaccurate information off of my credit report. 

Sincerely, XXXX XXXX Enclosures : Proof of identity, Identity Theft report
Product: Credit card

Hi, I have with citi 5 cards I have been making payments for 10 years without a problem in XXXX and XXXX of XXXX  citi claimed that the account number was invalid, in fact, i did not change the payment method for the last few years so it can't be an invalid account number, i tried calling to them everyone tells me that it's not their departments and transfers me and when i do get through to higher departments they repeat that the account number was invalid, and when i ask proof that my bank rejected the payments request they tell me that cant send that information. 

this is affecting me with late and return checks fees and bad credit on my report and by citi
Product: Credit reporting, credit repair services, or other personal consumer reports

When submitting a dispute they do not provide physical proof of information that show that the information they report is correct. So I'm submitting what I need in a cfpb complaint
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXXXXXX is incorrectly reporting account XXXX as being PAID, and closed, but charged off with all 3 CRA 's. This account has never been paid ; they are using this classification to keep this data on my credit reports indefinitely. The first date of delinquency was XX/XX/XXXX ; then the account was charged off in XX/XX/XXXX. There has been no payment since the account was charged off. The account per the FCRA should be removed on XX/XX/XXXX, which is seven years from the date of the first delinquency.
Product: Credit card

On XX/XX/XXXX I got a hard inquiry after someone tried to open Credit card with XXXX XXXX 
On XX/XX/XXXX I got a hard inquiry after someone tried to open a credit card with XXXXXXXX XXXX XXXX XXXX 
On XX/XX/XXXX i got a hard inquiry after someone tried to open a credit card with capital one bank USA. 
I did not apply for these accounts.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX AND XXXX XXXX XXXX  was never late! I have had exceptional payment history witH XXXX  XXXX 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 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 AND XXXX 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: Debt collection

A collection agency called me told me i owed this debt didn't tell me any information except that it was a hospital bill. Got scared and started paying. Learned that they were supposed to send me a letter if i asked and tell me i could dispute, which they never did. Asked the man for a letter. He yelled at me saying if i wanted more information I could ask the hospital. Continued to call frequently. I called and got a supervisor told them what happened. Now i get automated calls at XXXX XXXX every weekday. Constantly from different numbers so i can't block them. The company name is XXXX
Product: Debt or credit management

Dear Sir/Madam, I am writing to dispute a collection that has been reported on my account. I have no knowledge of this collection and have never seen it before. I believe it to be fraudulent and false, and I would like it to be removed from my credit report. 

I kindly request your assistance in resolving this matter as soon as possible. Thank you for your attention to this matter.
Product: Mortgage

I have a $ XXXX line of credit with Hancock Whitney Bank against a {$1.00} million+ property here in uptown XXXX XXXX XXXX 
During covid I lost all of my XXXX University tenants who vacated their apartments and returned home leaving me with little or no money to pay my mortgages. 
~Hancock Whitney did not offer me forbearance or any form of modification whatsoever.

When I found out I was being foreclosed on I called them and was belittled and made fun of.~ I can find out that person 's name for you.

All of my attorney friends received hundreds of thousands in PPP loans for their respective law firms which they didn't even need! I didn't qualify.

WHY WAS ALL OF THE PROTECTION FOR TENANT/EVICTION AND NOTHING FOR LANDLORDS BEING FORECLOSED ON?

I don't owe Hancock Whitney much against this prime piece of property.

Can you please help me with this?
Product: Student loan

Before the end of the repayment pause, I paid down my loan balance to {$8200.00}. I had not made any payments prior to the pause. I also enrolled in auto-debit in order to take advantage of the .25 percent decrease in interest. However, MOHELA has improperly set my monthly payment at $ XXXXwell above what it should be at {$91.00}. MOHELA has also set up an auto debit scheduled for XX/XX/XXXX for {$230.00}. I have sent them multiple communications asking them to lessen the amount and have received no response. 

Further, MOHELA has vastly miscalculated my monthly payment. MOHELA calculates my monthly payment for a term of 64 months, not 120 months. They have been unreachable in managing these issues.
Product: Credit reporting or other personal consumer reports

These following accounts are activity of identity theft and is not authorized by my please investigate and remove them : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

On XX/XX/ ( and many disputes before that ) I have submitted disputes on these four XXXX XXXX accounts. Two of the accounts are not mine and the other two are reporting inaccurate information ( all four accounts are to be honest ). I have seen numerous disputes and have not received NOTHING back from the CRAs about my dilemma, I even tried calling and either I was hung up on or they do not try to hear my plea on how I have been wronged. The accounts that are in question are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I have been a victim of identity theft somebody ha been useing my Bank of America California edd card with out my knowledge or Consent
Product: Credit reporting, credit repair services, or other personal consumer reports

Institution Information SYNCHRONY FINANCIAL XXXXXXXX XXXX XXXX XXXX, OH XXXX ( XXXX ) XXXX From : XXXX XXXX We found a new hard inquiry on your file Between XX/XX/XXXX, and XXXX XXXX, XXXX, an inquiry made by SYNCHRONY FINANCIAL was added to your credit report. 

Applying for a new line of credit will usually result in a hard inquiry on your credit report. You could also see inquiries from applications for a new apartment, phone or utilities account. 

Institution Information SYNCHRONY FINANCIAL XXXX XXXXXXXX XXXX XXXX OH XXXX ( XXXX ) XXXX I did not make these inquiries.
Product: Credit card or prepaid card

In XX/XX/2019, I entered a debt settlement program here in XXXX. Capital One credit card company was informed of this, as I was unable to pay. They did not draw from my account from XX/XX/2019 ( after they were informed ) because first off, I am not on auto withdraw, and never was! I paid my bill online every month. I went in my account and paid it manually. Yes, they call me everyday all day until XXXX XXXX in order to collect the debt. 

Fast forward to XX/XX/2019 Capital one went into my account where my information is still saved, and stole a {$52.00} ... .and 10 days later ... XX/XX/2020 took an additional {$52.00}. The best part is when I called they said they never applied these payments and they now have to do an investigation even though it is their error. Ironically, I received an email stating that if I did not contact them by XX/XX/XXXX, they would place my account in release, and the very next day they without legal authorization withdrew from my bank account. Bottom line, I never authorized in, and I also think it ; s harassment because I am unable to pay.
Product: Debt collection

Frequent calls from Focused Receivables Management LLC, XXXX. Lots of harassing calls and messages with no information on what and who I owe, of which I do n't.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : XXXXBalance {$0.00} XXXX  XXXXBalance {$0.00} XXXX XXXX  XXXXBalance {$130.00} XXXX  XXXX  ( Original Creditor : XXXX ) XXXXBalance {$1100.00}
Product: Credit card or prepaid card

Good day, today on XXXX, I was told about hacking of my credit card information in which I called citi bank and was given the runaround, I pay my bill on time never late, someone has access to my online account with citi bank, I have never given no one any information.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against TransUnion regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX XXXX  XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

Nature of Complaint : I submitted a dispute to TransUnion disputing a late payment reported by XXXX XXXX  XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment was made on time as confirmed by the bank statement attached. 
There seems to have been a clerical error in reporting the payment. 
Additionally, there is no record of any outstanding balance or missed payment based on my financial documentation. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, TransUnion has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report.

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being.

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act.

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 disputed this account with XXXX Credit Bureau. This account is still being reported to my XXXX Credit report. 

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

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 a account without my written instructions. Please be aware that failure to comply with my request may result in legal action to protect my consumer rights and seek appropriate remedies as provided for under the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax hack has led me to believe all of my information has been hacked. I have proceeded to check a free credit report to find any unusual activity. There was none at the moment. In fear of future fraud, I have placed a credit alert for 90 days. I am deeply frustrated with the mishandling of the personal information of millions of Americans. It is incredibly irresponsible for a company whose business is dealing with credit reports has such lacking security. The way the company has handled the fallout is also irritating.
Product: Debt collection

I never received any statement saying i owed anything and then suddenly there is a person calling me and asking me for my social and date of birth due to a debt I owe. I did not disclose any information as i dont know who this person or business is. Apperently, I think my old apartments are the ones who placed me in collections but again not truly sure because I never received a statement showing the items or damages I owed.
Product: Debt collection

I received a notice on my credit report regarding this debt in 2017 and I called to correct to no availability. I disputed and advised on removal of even settled. They have not sent information to validate and I was able to dispute and get removed from XXXX  and XXXX, but Equifax has not removed. This debt was not proven valid and Im trying to remove again.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against TransUnion regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX XXXX  XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

Nature of Complaint : I submitted a dispute to TransUnion disputing a late payment reported by XXXX XXXX  XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment was made on time as confirmed by the bank statement attached.

There seems to have been a clerical error in reporting the payment.

Additionally, there is no record of any outstanding balance or missed payment based on my financial documentation.

Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, TransUnion has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report.

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being.

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

The Consumer Financial Protection Bureau ( CFPB ) has repeatedly documented Equifaxs failures in properly investigating consumer disputes, even leading to legal action for violating the Fair Credit Reporting Act ( FCRA ). This ongoing non-compliance is unacceptable, and I refuse to let my credit profile suffer due to Equifaxs negligence. 

Federal law ( 15 U.S.C. 1681i ) is clearEquifax is legally required to conduct a proper reinvestigation of any disputed information within 30 days. Any data that can not be verified with 100 % accuracy must be removed from my report immediately. I demand that these errors be addressed without delay, as their presence is actively harming my financial standing. I will not ignore any further non-compliance. 

XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX - {$0.00} XXXXXXXX XXXX XXXX XXXXXXXX - {$5300.00} XXXXXXXX XXXX XXXX XXXX - {$2300.00} XXXX XXXX XXXX XXXXXXXX - {$12000.00} XXXX XXXX XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX {$580.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$140.00}