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

I was living at apartment ; they reported not paying the water bill as rent. 
At the time i wasnt living there but my name was on the lease. I asked my ex boyfriend did he get notice of this as for the management saying we had to pay he said no he didnt see any bill. 
I left for XXXX training XX/XX/XXXX i had moved out but my name was on the lease. Instead they took the mater to court i was unaware that they sent it to court. 
I moved out sent plenty of emails and visited the apartment complex to remove my name from the lease. They prolong the situation to remove my name from the lease. I left MD in XX/XX/XXXX. I had removed my name from the lease.
Product: Credit reporting or other personal consumer reports

PennyMac reported inaccurately that my mortgage payment was 30 days late, on XX/XX/year> ; which resulted in decreasing my score from XXXX to XXXX. I send the payment from my bank, monthly. Which I can easily prove with bank statements. PennyMac also has stolen money from my escrow to cover false " late fees ''. They sent me a threatening letter to stop posting in a XXXX XXXX with other people complaining about this same problem. Their letter also offered zero explanation, just more lies regarding the fees. I have paid well before the actual late date which is mid-month. When they tanked my XXXX XXXX, I had actually paid twice, once for XXXX and for XXXX. They are XXXX and scare people with letters and XXXX phone calls. I have worked incredibly hard to build my credit up and for them to destroy it over false pretenses is devastating. I filed complaints with the credit bureaus but that got me nowhere. A member of this XXXX XXXX posted you all were a great help and I am hoping the same. I can't even sell this house and buy another as with them messing up my credit, I wouldn't qualify for a new mortgage. Their actions are truly criminal.
Product: Checking or savings account

chase has decided to end the bank relationship even tho all of my accounts have never had a negative balance no check deposits have been returned and no disputes have never been file on any of my accounts and i have XXXX credit cards chase payments never any late payments so i would like to reconsider the banking relationship
Product: Credit reporting or other personal consumer reports

On XX/XX/2023, speedy cash responded stating the issue had been resolved. However, the hard inquiry remains on my credit report and has continued to cause negative ratings against my profile for the last 3 months.
Product: Credit reporting or other personal consumer reports

This is my last and final letter to your non compliant company before I file suit against all parties involved. FYI, it is a crime to threaten suit with no intention of actually filing suit, so be advised ... have every intention of following through with this to protect my rights as a consumer. 

I have sent your company many letters requesting that you investigate a list of inquiries that I believe are reporting incorrectly. Not responding to my requests is a violation of the Fair CreditReporting Act and will not be tolerated. In case you would like to settle this matter between youand I, rather than me filing suit against your company, I will once again list the inquiries inquestion so that you may do as you are governed by the FCRA. 

You are violating the law and my FCRA rights under15 U.S. Code 1681b. There's no connection between these inquiries and active accounts on my profile. 

Please investigate the following : XXXX - XX/XX/year> - Why haven't you provided me with proof that this inquiry is reporting inaccurately on my report? 

XXXX - XX/XX/year> - Why haven't you provided me with proof that this inquiry is reporting inaccurately on my report? 

XXXX - XX/XX/year> - Why haven't you provided me with proof that this inquiry is reporting inaccurately on my report? 

I have tried to contact these companies on my own, but I have not been able to get very far. Itried to contact them using the phone numbers that are provided on my credit report. Half of thenumbers are not even correct. The companies that I was able to get in touch with do not evenhave any record of me. How can they have a permissible business purpose to pull my credit, ifthey have N0 record of me?
Product: Credit card or prepaid card

American Express continue charging interest for purchases on my monthly bills despite agreeing to the interest rate of 0.0 %. I contacted American Express 3 times in the past 3 month, about this, each time they produce my monthly bill. Every time American Express acknowledged that this was done incorrectly, but never the less continue including these charges in the next bill.
Product: Credit card

Ttarget is charging odd amounts to my credit card, such as a penny here and there as the total. I was aware of this on XXXX XXXX. Also no one in customer service would respond. They have. Weird way of charging for online orders. They do it individually as shipped, but a penny. I sense something fishy.
Product: Credit reporting or other personal consumer reports

I understand that despite customers providing precise information, you have been responding to numerous disputes, complaints, and challenges with pre-written standard form letters. It has come to my attention that this practice is unlawful, as each customer complaint should be individually assessed and addressed on its merits. 
The letters I have submitted were created using readily available software accessible to everyone. Failure to process or address my letters would be a violation of 15 U.S. Code 5 1681i. It is against the law to delay the processing of consumer letters based on assumptions about third-party assistance without a valid legal exception. I confirm that I am the sole author of the letters bearing my name, or they have been written by my advisors with my full knowledge and consent. Deliberate non-response to my correspondence will be construed as a willful disregard for my customer rights, and I will be compelled to involve legal representation and pursue legal action.

As per FCRA Section 611 ( 15 U.S.C. 1681 ( l ) ) and the established XXXX XXXX data field reporting standard, I have the right to dispute any inaccurate information on my credit report. It is crucial that all data in a consumer 's file is properly documented and validated before being made available to creditors. I take these matters seriously, and the allegations of delinquency and derogatory information against me are entirely false. I will not tolerate misinformation associated with my name and financial history and am prepared to fight back vigorously. 

Your credit report accuracy is vital. The listed allegations fail to meet federal or state reporting requirements and lack substantiation. I challenge these claims due to their non-compliance with basic reporting standards, which would instill confidence in the accuracy of the information presented. It is your responsibility to maintain and report data accurately and in compliance. Please handle this matter with utmost care and diligence. 

Regarding the listed items : 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 XXXXXX/XX/year>
Product: Mortgage

I pay my local taxes o my mortgage company, who holds them in escrow until they are due. Typically this is in XXXX and XXXX. I have not had issue with tax payment in over 8 years since I purchased my home. On XX/XX/2020 I received a notice of lien on my property for non payment of the XX/XX/2020 tax payment. I immediately contacted my mortgage company who requested to have a copy of the lien notice email to their payment research department. They indicated the payment had been sent in XX/XX/2020 and provided me the check number. I sent the document that day. After no response I emailed the payment research email address again on XX/XX/2020 after confirming with my town office they had no record of payment. After again receiving no response on XX/XX/2020, I emailed again and called. I was advised that it was still in research but they would escalate the request. On XX/XX/2020 I spoke with a supervisor after receiving my annual escrow statement which contained a check for overpayment. The supervisor advised me to cash the check and make an escrow only payment. I advised I would not do so as this would not resolve the tax issue. She agreed and advised would again escalate the issue and promised a resolution by the end of XX/XX/2020. She advised the lien would be lifted and my credit report would be corrected. She promised a phone call by the end of the following week. On XX/XX/2020, after no phone call, I called the company again and spoke to a member of leadership, she determined that the check sent in XXXX was returned to the mortgage company by my town office. We conferenced in my local town clerk who had no record of a check being received much less returned. They exchanged contact information and I was again assured by the mortgage company that I would receive a follow up call and full resolution within 7-10 days. XX/XX/2020 I called my town office to discover no payment had been made and there had been no contact from the mortgage company. I called them again and spoke with a supervisor who told me tax issues can take time. I was advised there was nothing more that could be done, they would research and call me back. I voided the check for overpayment and sent a photo confirmation to the payment research email address as instructed by the supervisor I spoke with on XX/XX/2020. My XXXX has dropped over 20 points, my property still has a lien, my taxes are 8 months past due and I have spent countless hours getting absolutely nowhere.
Product: Money transfer, virtual currency, or money service

On XX/XX/year> at XXXX pst, I was notified by my XXXX account that there were XXXX suspicious transactions attempted to be made on my debit account. All XXXX were from a XXXX or XXXX. It appears that this company facilitates fraud. The transactions were for {$89.00}, {$69.00}, {$49.00} and {$13.00} respectively totaling {$220.00}.
Product: Checking or savings account

on XX/XX/2022 east West Bank send me a text that someone is trying to use my debt card in north Carolina at XXXX for XXXX XXXX dollars then east west bank call me and I said its not me I am in my home town so the charge did not go through told bank to stop all charges I call bank immediately that night and they said someone had already spent {$6500.00} at XXXX store in Texas but it did not go through then they call me back next morning saying it was process with other charges of {$5000.00} + {$5000.00} they said not to worry these wire transfer didn't go through in the amount of {$10000.00} this was on XXXX 2022 but East West Bank allowed a separate wire transfer of {$8300.00} to go through they let go because its the only way to reimburse us I have called bank a hundred times and they keep saying I can't speak to their fraud Department only my branch I can speak with about my account charges that was fraudulent they have been stringing me along until now no answers as yet I hope I can get some help thanks.
Product: Credit card or prepaid card

I called up Bank of America and asked how to minimize my interest payments. I asked if I should pay off my statement balance or my total balance. They told me that I should pay off my statement balance. I asked them to clarify and they told me again to pay off my statement balance. 

Then the next month I was charged a lot of interest and when I called them about it they told me there was nothing they could do to waive it. I closed my account because they were decietful.
Product: Credit reporting or other personal consumer reports

I am write to dispute several unauthorized inquiry on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ). 

After reviewing my recent credit report, I have identified the following inquiry that I don't recognize or authorize : Disputed Inquiry : XXXX  XXXX XXXX XX/XX/year>
Product: Vehicle loan or lease

[ SEE ATTACHMENTS FOR ADDT'L DETAIL ] I am writing to formally dispute the inaccurate and misleading late payment reporting on my closed auto loan account with Capital One Auto Finance XXXX This account was paid in full in XX/XX/year> following an accident where my vehicle was deemed a total loss. The reported late payments for XXXX and XX/XX/year> are incorrect, as Capital One Auto Finance was notified of the insurance claim and payout in progress before those dates. 
Disputed Reporting Inaccuracies : 1. Late Payments Reported After Loss Notification & Pending Insurance Payout Capital One Auto Finance was aware that my vehicle was totaled, and I communicated with your company regarding the insurance settlement process. Despite this, you continued to report 30-day late payments for XXXX and XX/XX/year>, even though the loan was being settled. 
o Violation : 15 U.S.C. 1681s-2 ( a ) Furnishers must not report inaccurate or misleading information.

o Violation : 15 U.S.C. 1666 ( b ) The Billing Error Law states that consumers can not be penalized for billing disputes in the process of being resolved. o Violation : 15 U.S.C. 1637 ( a ) ( 7 ) Requires creditors to provide accurate disclosures regarding account status an
d payment obligations.

2. Failure to Conduct a Proper Reinvestigation This account was previously disputed, yet Capital One Auto Finance failed to correct these inaccuracies. Furnishers are legally required to conduct a reasonable and thorough reinvestigation when a consumer disputes reported information.

o Violation : 15 U.S.C. 1681s-2 ( b ) Requires furnishers to conduct a reasonable reinvestigation when notified of a dispute.

o Violation : 15 U.S.C. 1681i ( a ) Consumer reporting agencies must properly reinvestigate disputed information and correct any errors.

3. Inconsistent Reporting Across Bureaus This account is only reporting to XXXX, but is not appearing on XXXX or XXXX. This inconsistency raises concerns about Capital One Auto Finances data integrity and compliance with reporting accuracy requirements.

o Violation : 15 U.S.C. 1681e ( b ) Creditors must ensure maximum possible accuracy and consistency in consumer reporting.

o Violation : 15 U.S.C. 1681s-2 ( a ) ( 3 ) Prohibits furnishers from knowingly providing inconsistent or incomplete data.

4. Zero Balance but Late Payments Still Impacting Creditworthiness This account was paid in full in XX/XX/year>, yet the late payments remain and are unfairly impacting my creditworthiness. 
o Violation : 15 U.S.C. 1681s-2 ( a ) Furnishers must update and correct any inaccurate or outdated information.

o Violation : 15 U.S.C. 1666 ( b ) and 15 U.S.C. 1637 ( a ) ( a ) Open-end credit plans must ensure accurate balance reporting, and misleading account statuses negatively affect creditworthiness.
Product: Credit card or prepaid card

An account with Navy Federal Credit Union was fraudulently opened with my information in XX/XX/2020. I discovered this account my checking my credit report through XXXX. I've made multiple attempts at disputing this account and haven't gotten a resolution. This account is negatively affecting my credit.
Product: Checking or savings account

On XX/XX/XXXX, before entering my Citibank online banking credentials, I noticed the following savings promotion offer advertised on the Citibank web site page. 
For a limited time, new and existing Citibank customers can earn a cash bonus between {$200.00} - {$1500.00} with an Eligible Savings Account. 
Before enrolling in the savings promotion offer by clicking on the provided Enroll Now button, I printed the savings promotion offer disclosures to a PDF file.

Please see below the Eligibility section of the savings promotion offer presented at the time of enrollment.

Eligible Customers are ( 1 ) New-to-Citibank or Existing Citi Retail Bank Customers who are ( 2 ) first signers on a new or existing consumer Citibank checking account in the Citibank Account Package, the Citi Priority Account Package or The Citigold Account Package ( Eligible Checking Account ), ( 3 ) owners of a new or existing Citi Savings Account or existing Citibank Savings Plus Account in the same banking package as the Eligible Checking Account ( Eligible Savings Account ), and ( 4 ) have a residential address associated with their account in NY, CT, MD, VA, DC, CA, NV, IL, NJ, or select markets in FL. 
If an Eligible Customer does not have an Eligible Checking Account, he or she can open the account at the time of enrollment to qualify for this Cash Bonus Offer. 
Therefore, this is not a targeted offer but a limited time offer available to new and existing Citibank customers who meet the criteria outlined on the previous Eligibility section. 
After enrolling in the promotion offer, I received an enrollment confirmation message which asked me to either click on the Open New Account button to fund a new Eligible Savings Account or click on the Fund Existing Account button to fund an existing Eligible Savings Account by XX/XX/XXXX to earn up to {$1500.00}. 
Before clicking on the Fund Existing Account button, I printed the enrollment confirmation page to a PDF file. That enrollment confirmation page also included the savings promotion offer disclosures I just had enrolled in.

After clicking on the Fund Existing Account button, I scheduled a {$100000.00} transfer from my XXXX XXXX XXXXXXXX XXXX external account to my existing Eligible Savings Account ending on XXXX to occur on XX/XX/XXXX. 
I have the Citibank confirmation e-mail message for the {$100000.00} transfer scheduled on XX/XX/XXXX to occur on XX/XX/XXXX. 
The {$100000.00} new money remained on the Eligible Savings account ending on XXXX from XX/XX/XXXX to XX/XX/XXXX. 
Therefore, by XX/XX/XXXX, 90 days after meeting the offer requirements, I should have received the promised {$750.00} cash savings promotion bonus. 
On XX/XX/XXXX, I complained to Citibank which created XXXX # XXXX. 
On XX/XX/XXXX, Citibank responded to my inquiry and refused to pay the promised {$750.00} cash savings promotion bonus because according to them this savings promotion offer was targeted. 
As explained before, this is not a targeted offer but a limited time offer available to new and existing Citibank customers who meet the criteria outlined on the provided Eligibility section.
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are 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. The following items that you must remove are listed below : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022
Product: Credit card

A reservation was made through XXXX for a hotel in XXXX XXXX XXXX. Following procedure, I checked out of the hotel after a ( 1 ) one day stay with the understanding that I will only be charged for a ( 2 ) two day stay.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 
-XXXX  XXXX XXXX CO Account # XXXX, has violated my rights. 
XXXX XXXX Account XXXX XXXX XXXX has violated my rights. 
XXXX XXXX Account # unknown, 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

Account name : XXXX XXXX XXXX. 
Amount : {$4200.00} I've never heard of this company. I've never done business with this company. I don't have any contract signed with the company. I believe that this is a scam.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion has been reporting bankruptcy on my credit report for years which I sent in documentation multiple times to prove it wasn't me it was my father who has the same name
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with Fair Credit Reporting act XXXX XXXX account number 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.

15 U.S.C 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

Formal notice that you have failed to respond in a timely manner to my dispute letter of insert date, deposited by registered mail with the U.S. Postal Service on that date. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ). 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, No. XXXX ( C.D.Cal. XXXX XXXX, 1995 ), you may be liable for your willful non-compliance.
Product: Bank account or service

Purchased a Jumbo C.D. from CIT Bank XXXX/XXXX/XXXX. Acct number XXXX under name of XXXX XXXX. As I was preparing my XXXX Federal and State tax returns, I realized that bank never issued me a XXXX or XXXX form XXXX. I called CIT bank and was told by representative that no hard copies of XXXX 's were mailed out - the account holder was responsible for download form online. Bank representative told me that CIT Bank knowingly and willfully did not mail copies of XXXX -INT to customers. I now have to file amended XXXX State and Federal returns and incur additional fees from my accountant and pay interest penalty to Federal and State.
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 U.S.C 1681 XXXX Date Opened XX/XX/2020 reporting different late payments with each credit bureau there should not be reporting any late payments 15 U.S.C 1681 section 602 A. states have the right to privacy 15 U.S.C 1681c. ( a ) ( 5 ) Section no consumer reporting agency make any consumer report containing any of the following items of information any other adverse item 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.