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

I had taken my sick pet to the vets, he was going to need immediate care. I only had a limited amount of funds on my person, so the vet recommended this credit card ( Credit Care ) as a means of getting my dog into XXXX asap. At the time the service had a special rate going on ( waived the interest ). I had been paying the card monthly without fail. The limit was for {$3000.00} ( that was in XXXX ). I have never failed to pay the monthly bill, but today XX/XX/XXXX, I find out that after Six years of paying this bill I still owe XXXX. I called the company ( Synchrony Bank ) and they told me that during the time of getting the card I was only given the special interest rate if it was paid within the 12 months. After the first year and it was not paid in full then I was being charged 26  %  Interest rate.. So, in 5 years on a {$3000.00} credit limit I have already paid back Double that, plus, they say I still owe almost another {$2000.00}, which does not include interest if I only pay the minimal amount due. Please help. Had I known then the cost I would never have applied for the card ... but for my pet being very ill. I have paid addition {$500.00} dollars ( XX/XX/XXXX ) to try to get closer to a pay-off and not incur these High Interest Rate ( 26. %  ).
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX. I recently checked XXXX, Transunion and XXXX credit reports and I found out billing errors that clearly violated the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error )
Product: Credit reporting, credit repair services, or other personal consumer reports

This is attempt # 3 that includes new and updated information regarding the improper use of my credit report. I have reviewed the original alleged contract and have found several discrepancies that include some of the following : 1 ) XXXX XXXX Services does not have written or verbal consent to report to any consumer reporting agencies. This is a violation of my privacy. 18 U.S. Code 1028A ( a ) ( 1 ) 2 ) XXXX illegally and knowingly collected a down payment amount of XXXX while also collecting financing for the alleged contract agreement. 15 U.S. Code 1605 ( a ) 3 ) Reporting my account as " paid by insurance '' on my credit file as ANY mention of me having insurance is in violation of 15 U.S. Code 1681a ( i ) ( 2 ) 4 ) The alleged contract agreement has several financial discrepancies which includes miscalculation of total charges and payment amounts. 

I am attaching the portion of the phone conversation where the XXXX representative made a motion to resolve this issue. I am requesting the following remedies : 1 ) deletion of this credit account from all of my credit files. 

2 ) a letter confirming the deletion of this account from all credit reporting agencies. 

3 ) Reimbursement of fees which shall include the down payment, late payment fees, recalculation of accurate finance charge, and any fees to remedy for pain and suffering. 
-Two separate payments must be provided to account for the illegal and predatory acts taken against my wife and myself.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have many inquireies falsley being reporeted. I tried reporting to the FTC but no luck.
Product: Credit reporting, credit repair services, or other personal consumer reports

CREDITOR DISPUTE CREDIT INFORMATION XXXX XXXX CARD I, XXXX XXXX, believes that the account I had with the determined creditor was posted as either a charge off, or has excessive late payments that were deliberately placed after I got involved with XXXX XXXX   XXXX. What happened is that XXXX XXXX XXXX let these accounts go into a charge off status before they came up with a settlement arrangement. Therefore, the charge off status on these accounts were caused from a pre-arranged relationship with XXXX XXXX XXXX and the original creditor and/or debt buyer. This is a collusion business practice where the consumer can not successfully negotiate herself out of debt without a long-term derogatory statement on her credit report. Accordingly, I believe that each creditor must fulfill a fair solution to the creditor arrangement now posted on XXXX, XXXX  and Trans Union respectively.

1 ) The original creditor must delete the prior-payment history completely.

2 ) A date certain must be stated as to when the credit tradeline can be removed.

3 ) The charge-off status must be deleted permanently.

All creditors maintain a subscriber agreement with the credit reporting agencies. These creditors must comply with all legal guidelines of the Fair Credit Reporting Act and the Fair Debt Collection Practices Act pertaining to credit reporting on all consumers. However, the charge off status was forced by the debt negotiations company, and the late payment excessiveness was by design, not by any action from me personally. Accordingly, I believe the following actions by the original creditor on all credit updates will be fair under the circumstances : 4 ) The original creditor must delete the prior-payment history completely.

5 ) A date certain must be stated as to when the credit tradeline can be removed.

6 ) The charge-off status must be deleted permanently. 
XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity thief. My information was exposed in 2017 through equifax data breach. This information has been confirm on their website and the account were never created by me. The account itself fail to display my full name and dosent fully verify any of my information. I sent multiple request through the credit beau to investigate the information and send me any document that will let me identify the account belong to me. Even though the creditor they can not verify any of the information. I would like to see document or paperwork to know how my information was verified not just the person on the phone stating that it was. I recently got evicted from my building because they change ownership and i can not get approve for a new place to live due to the state of my credit. please resolve this matter immediately.
Product: Money transfer, virtual currency, or money service

Dear Sir/Madam, I am writing to express my concern and dissatisfaction regarding a recent money transfer I made to XXXX, which has taken over three weeks to process, and I still have no information about the status or whereabouts of the funds. This delay has caused me significant financial hardship and distress, and I believe that it is in violation of my rights as a consumer. 

On XX/XX/, I initiated a transfer of {$6700.00} to my personal account in XXXX using the services of OFX. The transaction reference number is XXXX. An automated email from OFX informed me that the transfer would be completed within 5 business days. However, after more than three weeks, the recipient has still not received the funds, and I have been unable to obtain any clear information about the current status of the transaction. 

I would like to highlight that I have made transfers using the same information to the same recipient in XXXX before, and they went smoothly within the promised 5 business days. In fact, I initiated another transfer after this delayed transaction, and it has already been successfully paid out to the recipient. This further adds to my confusion and concern regarding the current delayed transfer. 

The funds from the delayed transfer were supposed to be used for a government payment in XXXX. The extended delay has not only jeopardized this payment but has also caused additional financial strain and anxiety. 

I have contacted OFX multiple times to inquire about the delay and request assistance in resolving this matter. Unfortunately, their customer service has been unhelpful and unable to provide any concrete information about the whereabouts of my funds. This lack of transparency and communication has caused me immense frustration, and I am now concerned about the safety and security of my money. 

As a consumer, I believe that I have a right to expect prompt and efficient service when conducting financial transactions, especially when it comes to money transfers. The extended delay in processing my transfer and the lack of information about the status of the funds is not only disappointing but also damaging to my financial situation and my trust in the financial system. 

I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action against OFX if they are found to be in violation of any consumer protection laws. I would also appreciate your assistance in securing the safe and timely transfer of my funds to the intended recipient in XXXX. 

Please find enclosed copies of the transaction receipt, email correspondence, and other relevant documentation to support my complaint. 

Thank you for your attention to this matter, and I look forward to a prompt and just resolution. 

Sincerely,
Product: Credit reporting or other personal consumer reports

I would like to dispute these inaccurate accounts on my credit report. 

XXXX : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX Experian : XXXX  XXXX Bankruptcy Case Number : XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX & XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX & XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX Account Number : XXXX XXXX XXXX, XXXX XXXX Date of inquiry XXXX XX/XX/XXXX XXXX Account Number : XXXX XXXX XXXX, XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX, XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX : XXXX  XXXX Bankruptcy Case Number : XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX GROWCREDIT Account Number : XXXX XXXX Account Number : XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX Account Number : XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

on my credit report, there is an inquiry on XX/XX/2023 from XXXX XXXXXXXX. i do not have any open or closed accounts with this lender and did not make or authorize anymore to make this inquiry, i contacted XXXX XXXXXXXX and was told i needed to contact the credit agency EQUIFAX. i have done so multiple times via mail and phone and this unauthorized inquiry is still showing on my report. 
EQUIFAX has failed to provide me with the information i requested and it has been more then 31 days since they received my letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not received confirmation not certified testimony that your offices complied with the FCRA and all its mandated rules when it comes to reporting accurately. Therefore, you are to present to me with a certificate in testimony that the fraudulent inquiries presents in Exhibit C are in fact compliant and not subterfuge? ( Copied from AFFIDAVIT**** ) All items listed in Exhibit B are fraudulent, invalid, inaccurate, not timely, and carry no documented evidence of their existence. To the least they have not be authenticated as per my requirements as you are damaging my character, creditworthiness and wellbeing by falsely stating those fraudulent non-compliant unverifiable inquiries on my report. ( Copied from AFFIDAVIT**** )
Product: Checking or savings account

It's already been 2 months my Sofi account has been frozen I talked with them to many times and they doesn't provide fix dates to slove my issues. I have XXXX in my bank and I can not withdraw or use my funds from my account it doesn't let us use the card or account in anyway.
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 
Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
Please remove the following items from my credit report, immediately : XXXX XXXX XXXX XXXX, XXXX XXXX CREDIT CARD, XXXX XXXX BANK, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This information and derogatory remarks has already been removed from my XXXX XXXX credit report, yet it still remains on my XXXX and XXXX. I demand that these be removed immediately because this reporting is incorrect. 

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.

Account # XXXX Portfolio Recovery services opened XXXX- {$730.00} 15 U.S.C 1681 section 602 A. States I have the right to privacy 15 USC 1681 Section 604 A, Section 2 ; It also states that a consumer reporting agency can not furnish a account without written permissions.

15 USC 1681 c. ( 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 USC 16818-s-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 accurate.
Product: Debt collection

This debt is from 2020 duirng covid when my job was lost and i was forced to break my lease. i ended my internet and returned the equipment and then got calls saying i did not, i knew i did so i carried on and now its ruining my credit and the chance to get a car
Product: Credit reporting, credit repair services, or other personal consumer reports

It looks like an application was submitted to Sallie Mae yesterday, XX/XX/2022. I did not do this. I want my information back and credit reports cleared of this hard inquiry. I would also like to remove the name XXXX XXXX from my records. That person does not exist. It is not my name. I co-signed for a friend called XXXX XXXX so she can purchase a car in the XXXX. My guess is that someone put the name in by mistake and it stayed on my credit report. Please help.
Product: Credit reporting or other personal consumer reports

Disputed inaccurate reporting of XXXX XXXX  with Experian and XXXX. XXXX agreed due to XXXX  the account would be removed out and removed. I submitted this information to Experian and XXXX and the dispute came back as " verified ''. 

Submitted information to CFPB company responded basically with no admission of guilt. Only they reported what XXXX reported. That was not true. XXXX agreed to remove the account. The cfpb reported the account should be removed. The account remains on my credit report to date. Driving up my mortgage rates due to low credit score. This hurts consumers and monetary damages of {$1000.00} is not enough!!
Product: Credit reporting or other personal consumer reports

On XX/XX/year> at XXXX I made an attempt to resolve a fraudulent transaction, the representative stated he could not provide proof that I would not be responsible for the fraudulent transaction in the form of a debt validation letter, I made it clear to him that since he's going to violate FTC Section 809, Refusal Of Validation Of Debt Letter, I will pay the disputed/Fraudulent amount of {$13.00} to avoide having a closed account with balance on it, and that XXXX XXXX can refund the {$13.00} & or {$13.00} back to my XXXX Checking account ending in XXXX,, as of present time XXXX  XXXX has violated FTC Section 807 by placing false information and or inaccurate information on my credit report, associated with the closed account account ending in XXXX,, that is closed and paid off.
Product: Credit reporting or other personal consumer reports

I'm writing to ask that unapproved credit inquiries be taken off my credit record. I discovered inquiries on my credit report that I had not approved when I obtained a copy of my credit report. They are listed below. 
XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX  XX/XX/2023
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 funding # XXXX, XXXX XXXX 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting

XXXX sent loan discharge information to close out my XXXX Loan account with XXXX University to Transunion Credit reporting bureau. Transunion keeps insisting they do n't have discharge information. I have spoken with both XXXX and Transunion on several occasions and XXXX insist information was sent to Transunion. Need help in resolving this dilemma. I file a dispute with Transunion no response to this correction.
Product: Credit reporting or other personal consumer reports

I noticed today that there was an hard inquiry on my credit report from XXXX XXXX. I have asked XXXX XXXX and equifax to remove it which they have not as of yet but XXXX has. I did not authorize this inquiry nor will I decide to have a XXXX XXXX or any line of credit with XXXX XXXX. Ive also had to put credit freeze on my accounts with each bureau.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just received my reinvestigation back from equifax. They said everything is 100 % complete and accurate. I would like to receive the description according to 15 USC 1681 ( 7 ).

Because the list of accounts below are not accurate. The open date, date last active, and date of last payment is NOT 100 % accurate. 

Account name : XXXX XXXX partial Acct # XXXX Account name : XXXX XXXX partial Acct # XXXX Account name : XXXX XXXX partial Acct # XXXX Account name : XXXX XXXX partial Acct # XXXX They did not modify or delete the inaccurate information on my consumer report according to 15 USC 1681 ( 5 ) ( A ) ( ).

I attached a consumer report as evidence.
Product: Student loan

I filed bankruptcy, but paid off my student loan in  XXXX . In    XXXX   XXXX   XXXX  ,  I started getting calls from Navient about making a payment. For over a year, I provided them with written proof and they continued to harass me.     I finally just gave in and paid off my loan AGAIN. They have not followed up with a letter or proof of completed repayment.     I was wrongfully charged. After fighting the issue for a year and never moving forward, I paid them AGAIN. The loan is still not satisfied.
Product: Mortgage

I paid off my Mortgage on XX/XX/2023 and have an escrow balance of {$1500.00} that I was told mailed to me on XX/XX/2023. I called US Bank on XXXX to notify I had still not received my check and was told nothing could be done till after 30 days from mailing. I called US bank again on XX/XX/XXXX and was told a replacement check would be sent. This morning XXXX I called inquiring why I still haven't received my check and was told they had no record of my call, they then said the only thing they could do is put in a replacement check request and it might be up to 30 days again before receiving it. I have other accounts with US bank and asked if I could have my balance owed transferred to my account, wired to my other bank, a check overnighted to my home or any other possible form of expediting my funds but told, no. It is unfair and should not be legal that they can keep my money for an extended period of time without paying me interest or making any attempt to correct their many errors in processing this payment.
Product: Checking or savings account

Open a savings and checking account with Chase Bank. Accounts were approved and open made a deposit 2 days later informed that accounts were declined. I set up direct deposit with my Human Resources Dept faxed letter received from Chase.Attempted to sign in on my online accounts and password was not accepted. I called customer service only to be told my accounts was denied. I explain I went into a branch and made two deposits. I was told that I will be receiving a letter and a refund within 14 business days. Who does this? The embarrassment of contacting my HR department explaining my account was denied and trying to open an account is highly embarrassing. Very bad practice. I am devastated.