23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Experian is sideing with a XXXX XXXX XXXX. And another company to charge an amount it's not the right one or a contract that I was never in. I made a complaint about 3 companies that are taking advantage of me in the original complaint I ask for signed contracts but they did provide one the other company is claiming that I owe money for a different amount but again there aren't any prove of annual contracts or any other papers there is a claimed for emergency services of the local hospital but I have two insurance that takes care about any medical balance but again experian is sideing with this company but there provide any papers signed I believe thi is fraud helped by experian
Product: Credit reporting or other personal consumer reports

I believe FCRA 605B says we must take out wrong accounts from my credit report. Can you check the papers? Some listed accounts are wrong about what they show, like the amounts and dates.
Product: Credit reporting

XXXX : XXXX I tried to register a complaint with the Michigan XXXX using the online complaint form regarding the XXXX XXXX XXXX account that was reported in 2014 on both XXXX and Equifax. However, despite me clicking the " company '' option as opposed to the " person '' option for the XXXX complainee sections it insisted I fill in a first and last name as if it were a person. It highlighted these fields in red and would not process anything until I filled them in to no avail. So I wo n't be retyping it. Just wanted to let you know that those who may want to, ca n't. Both XXXX XXXX XXXX and XXXX have no name to contact.
Product: Checking or savings account

On XX/XX/2019 I came to the branch of Citibank in XXXX, IL with my husband XXXX XXXX to open an account in the offer sent to me by email ( attached ). After waiting with my husband for over 30 min I was greeted by the banker XXXX XXXX at the branch. Mr XXXX proceeded to confirm that I was sent the offer as it was sent in referring to my card # XXXX and then he was able to locate it in the database. However Mr XXXX refused to open an account stating that the bank already operates on next business day, the XX/XX/XXXX schedule thus the offer is no longer valid ( the offer expiry is XX/XX/2019 ). Subsequently he wanted me to get a different offer with smaller amount of benefits which I refused. When my husband insisted that the offer was valid according to the terms and conditions attached to it the branch manager XXXX XXXX got involved with the issue. Since we didn't have to copy of the offer with us Mr XXXX insisted that the offer didn't exist. 
We left the branch. 
Since the offer was extended to me, I applied on this online the offer was stopped stating that I have to visit a branch since I am not a US citizen ( I am a citizen of XXXX and legal US XXXX ). It appears that the bank doesn't make a distinction between US XXXX and US XXXX and puts all XXXX XXXX into the same bag while using discriminatory practices resulting in denial to open an account and steer them into other products, a classic definition of red lining. I have several questions to Citibank : 1 ) Do the personal bankers in branches have a different commission structures depending on the items they are selling? 
2 ) If yes what is it? 
3 ) Why the personal banker would find the product and then the branch manager would deny the product exist? 
4 ) Is the Citibank 's strategy to direct different products to different national or race groups ( as my case clearly shows ) and what are the benchmarks used to achieve that? 
5 ) Why the Citibank 's application process doesn't make a distinction between US legal XXXX and none XXXX that are not while treating all foreigners alike? 
6 ) If the certain products are clearly designed to serve US XXXX only, why this distinction not made on its online application process instead of directing the applicants to the branches to be offered different products? 
7 ) Since the offer extended to me is clearly indicated as XX/XX/2019 calendar date, are there a two sets of benchmarks that the Citibank is using ( one for external consumption and one for internal ) thus giving the bank a defacto excuse not to honor the offers?
Product: Mortgage

I purchased a Home and Financed it thru XXXX using a FHA Loan. The REP for XXXX told me that once the Value of the Home went up 20 % i could request to have the Morgage Insurance dropped. Shortly after that the Loan was sold to Wells Fargo Bank. In 2012 i contact Wells fargo and asked them to drop the Morgage insurance since the Value of the Home had risen 20 %. 

They sent me a letter that i had to wait at least 5 years for them to drop it. I am paying just over {$300.00} a Month on the Insurance. 
My Current Morgage Ballance is XXXX and the Value of the Home is between XXXX and XXXX. 
.Thank You
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this CFPB complaint to request the Credit Reporting Agency to remove the reported address from my Credit File since these addresses are not my legal address. I never received any mails in this address and must be removed as soon as possible. Once again, I am requesting that you remove the following address as soon as possible : XXXX XXXX XXXX XXXX XXXX  XXXX, IL XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, IL XXXX
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 Account Number : XXXX Dates of Late Payments : XX/XX/XXXX Nature of Complaint : I submitted a dispute to TransUnion disputing a late payment reported by 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 Delay Due to a Bank Transfer Error : My payment for XX/XX/XXXX was initiated on time. However, a processing error on my bank 's end delayed the transfer by 24 hours. I provided bank statements and transfer confirmation showing the exact date the payment was initiated and the error acknowledged by my bank. 
System Outage on Payment Portal : During the period in question, XXXX experienced an outage on their online payment portal, which prevented me from making a timely payment through the usual online process. I contacted customer service immediately after the issue and have attached screenshots of my conversation with their support team confirming the technical outage. 
Incorrect Late Payment Assignment : The late payment was incorrectly applied to my account even though my payment history shows that I have consistently made on-time payments. There was no valid reason for the assignment of a late fee or the reporting of this late payment, and I have attached payment receipts that show consistent payments for the past two years.

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 XXXX
Product: Credit reporting or other personal consumer reports

MACU agreed to remove the late reporting from 2018 XX/XX/2018, XX/XX/2018 and XX/XX/2018 through written statements to the CFPB. This is now the third time BREACHING the agreement. There needs to be some type of monetary damage to the damage done to my credit files or removal of all credit reporting due to multiple breaches of agreement. MACU continues to breach agreements and respond in writing with excuses as to why it keeps happening. These are major violations to the FAIR CREDIT REPORTING ACT. CFPB, Mountain America responds with why the breach of agreement continues to happens and a month later violates the agreement again that is not okay but the credit union expects it members to follow the law completely. How is it possible that a credit union can continuously break agreements and not be fined???
Product: Credit card

On Sat XXXX XXXX, I received an unsolicited credit card from Mountain America Credit Union. I never applied for the card. I do not have, nor ever have applied or had an account with this institution. I tried to report the fraud but was referred to XXXX departments in succession including the Fraud department who was not there. Note, I called all numbers on the card and letter received in the mail. Finally I was told a number to call on Monday to report the fraud. Later that day, I received notice that a charges were questioned. 
On Monday I received a welcome brochure in the mail. 
On Monday, I called back to the number they provided on Saturday. During the fraud reporting process, I read back this description. The agent told me this was a different institution, XXXX XXXXXXXX ; the number I had been provided on Saturday and read back to the XXXX agent was for XXXX. This has been an awful experience, a waste of my time, and I am not in touch with the institution in the letter or credit card.
Product: Credit reporting, credit repair services, or other personal consumer reports

Information was entered wrong on a Transaction history and disputed regarding XXXX XXXX. The credit score fico score was dropped 50 points and a bad report was given, We paid XXXX $ for a monthly report and XXXX $ for 2 more reports and can not get this cleaned up. I feel we have been taken advantage of, and the problem is not going away. I can not load up the data required to clean up the miss-alined reporting. I have called and disputed the history of the information. I have contacted consumer protection at the State of Wisconsin to help us get the correct data on file.
Product: Credit reporting or other personal consumer reports

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

XXXX XXXX : Bankruptcy XXXX XXXX Bankruptcy XXXX - XXXX XXXX
Product: Credit reporting or other personal consumer reports

I never gave written authorization to have my credit pulled from these agencies.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX is reporting a collection account onto my consumer report that is identifiable by the following information XXXX Trans Union this account is listed as XXXX XXXX # XXXX Placed for collection : XX/XX/XXXX Balance : {$430.00} Date Updated : XX/XX/XXXX Original Amount : {$430.00} Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ( Banking ) Past Due : XXXX $ XXXX Account Type : Open Account Individual Account Open Account DEBT BUYER On XXXX this account is listed as XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX, Balance {$430.00} Balance updated XXXX XXXX, XXXX Original balance {$430.00} Account info Account number XXXX Date opened XX/XX/XXXX Account type Debt Buyer Status Collection account. {$430.00} past due as of XXXX XXXX. Status updated XX/XX/XXXX On XXXX its reported as XXXX XXXX XXXX Opened XXXX XXXX, XXXX ( XXXX yrs, XXXX mos ) Account status Open Type No Info Responsibility Individual Account. 
Remarks Consumer disputes after resolution Collection account Original Creditor Name No Info according to the FCRA, Section 623, It is not lawful for a collection account to be reported in the status of Open if this account is being reported as a collection this account should be is closed. This account must be removed based on the false and misleading reporting stats of reported as an open account. As a consumer based on 29 CFR 500.6 - Accuracy of information, statements and data & 28 CFR 20.37 - Responsibility for accuracy, completeness, currency, And integrity.i am asking that inaccurate accounts be removed Immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX XXXX Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX  Account # XXXXXXXX XXXX XXXX XXXX Account # XXXX-XXXXXXXXXXXXXX, XXXX XXXX XXXX  Account # XXXX-XXXXXXXXXXXXXX, XXXX XXXX  XXXX Account XXXX XXXXXXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX  XXXX Account # XXXXXXXXXXXXXXXXX, XXXX XXXX Account # XXXX, XXXXXXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX 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 can not furnish a account without my written instructions. 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: Credit reporting, credit repair services, or other personal consumer reports

I contacted  XXXX ,  XXXX  and Equifax asking them to remove my public records, tax liens and bankruptcy off of my credit. It is still on there and I am wanting it removed. Under the new law effective   XXXX   XXXX    2017 any public record data must include name and address as well as SSN and DOB in order for it to appear in your credit file. The Credit Bureau has not updated the information and per the new law true Bankruptcy and tax lien listed does not include this information and should be deleted from my credit report
Product: Credit card

I have requested multiple times to the bureau that this account should have no late payment remarks
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. 

I told the Experian, XXXX, and XXXX to reinvestigate these accounts : Account name : XXXX XXXX XXXX XXXX  XXXX, Account name : XXXX XXXXXXXX XXXX XXXX XXXX  XXXX, Account name : XXXX XXXX XXXX  XXXX, Account name : XXXX XXXX XXXX XXXX XXXX  XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 

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 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. 

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case
Product: Student loan

I noticed on my account that for two months straight I was paying {$200.00} of straight interest those months were XX/XX/XXXX and XX/XX/XXXX totaling {$400.00}. I called on XXXX of XXXX of XXXX asking for the billing statements from XXXX of XXXX until XXXX of XXXX to see where is interest came form. 

On XX/XX/XXXX of XXXX the company sent me a payment history which only shows what I have paid. That same I called and once again asked for the billing statements, but this time I asked for the billing statements from when I pulled the loan, XX/XX/XXXX of XXXX. The customer service rep said the last time I called I did not specifically ask for the billing statements and that this time I would get them. 

XX/XX/XXXX of XXXX I received an email from the company that had once again had only the payment history. I called to see what was going on and this customer service rep tried to show me my payment history and I said not the payment history. She then pulled up the note from the last time I called and read back what I had asked from and then said there is a not on the bottom saying we can not provide statements older than a year. 

This is only on one loan that I paid {$400.00} of interest on, The other loan that was pull a year later only gain {$75.00} of interest and the interest rates are only 0.4 % apart.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I sent a letter regarding the misleading inaccurate items on my credit report. To this day I have not received a response. This is causing me a lot of stress. These inaccurate accounts are hindering me from obtaining credit. Section 611 ( a ), it plainly states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the multiple previous written requests, the unverified items listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? 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 ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are wilful non-complying with the FCRA.

Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1100.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1800.00}, XXXX XXXX Date Opened XXXX XX/XX/XXXX Balance : {$1.00}, and XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}. 

Lastly, these accounts being reported is creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. I need this corrected at once.
Product: Credit card or prepaid card

Capital one Account was paid off and being charged interest when balance wad paid
Product: Debt collection

I have a credit card with Chase. It is past due on payment right now and I'm aware of the situation and I'm doing everything I can to get back on track. Chase is repeatedly calling me, when I answer they hang up and then call right back. Today since noon I have received in excess of 40 calls. I'm not avoiding the company but when I answer I get no Responce. I have all the calls recorded and phone records of the amount of calls. Their intent is to harass and cause undue hardship with emotional distress on my current situation. Please help.
Product: Debt collection

Received statement from PayPal Credit XXXX Synchrony Bank ) I never opened this account but, according to their fraud dept, it was opened in 2018. 
Statement shows balance of XXXX. 
I contacted XXXX  and informed them of the problem. Also, I have never used XXXX in any manner. Ive never had any type of account with them. 
They say they closed the account and I expect to receive a letter from them within the next 10 days. 
At this point, they are not holding me accountable for the money. 
However, I did receive this statement which has my correct name and address on it. 
I am trying to make sure I do all I can to protect my identity and credit.
Product: Credit reporting or other personal consumer reports

I am writing to request the immediate removal of any fraudulent or inaccurate information on my credit report resulting from the recent data breach. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to an accurate and complete credit file, and I believe that the breach has compromised my personal data and led to potential inaccuracies or unauthorized entries. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( XXXX XXXX ) REMOVE ALL ACCOUNTS THATS LISTED ABOVE
Product: Credit card

I just found out last month that BofA has charged off my credit card. Prior to receiving the demand/summons for payment, BofA did not send me any collection or demand letters in an effort to resolve the matter. I contacted the collection agency and they were unwilling to provide a settlement for a reduced amount that would be more in line with the amount I owe. They did not provide proper statements nor notices of default prior to charging off the account and giving me a chance to resolve the matter. I tried to settle the account with BofA 's collection and these folks are predatory and did not want to provide a reasonable settlement in light of the fact that my due process was denied by not sending proper notification that the account would be charged off. These companies simply charge off accounts and don't care one bit about the consumer 's credit. I have requested they provide statements to review the entire charges and they refused to talk to me further and sent me to the collection agency who does not have any interest in settling the account for a reasonable and fair amount. Additionally, the balance includes interest and late charges on top of interest on late charges that had they provided to me earlier we would have settled. I want to pay what I owe, but this amount is unreasonable.
Product: Credit reporting, credit repair services, or other personal consumer reports

USC 1681 the accounts on my credit is defamation of my character & i am trying to buy a house. Below i attached a few of the companies that have my information and that has charged to my credit report. My identity was stolen and the companies listed were the ones charged to my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ally financial- inquiry XX/XX/2021 This is a fraudulent inquiry on my credit report Ive been trying to get it off for months now I reached out to all 3 credit bureaus and the company already about this