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

On XX/XX/2021, I received an email from XXXX the issuer of XXXX XXXX XXXX about an offer where you receive {$30.00} in a form of statement credit if you sign up for a new XXXX membership before the end of the month, I signed up on XX/XX/2021. The terms mention that the credit should post within XXXX billing cycles. Since then my statement closed not twice but three times on XX/XX/2021, XX/XX/2021 and XX/XX/2021. I reached out to customer service in the first week of XXXX to ask why the credit hasn't posted even though it's been over 2 months since I fulfilled the offer and they promised it would post by my next closing date on XX/XX/2021. The credit never posted on XX/XX/2021 so I called on XX/XX/2021 to ask again and the XXXX mentioned that they will escalate it to a XXXX and I will hear back within 2 days. I called four days later on XX/XX/2021 to check the status and I was told that I will definitely hear something by XX/XX/2021, so I called late on XX/XX/2021 and I was told by a new XXXXt that no timeframe is determined for the response and to just hold so I pressed them by citing that I have called about this way too many times so they put me on hold and came back saying they are working on it and will call shortly with an update. I did receive a call less than an hour later but I couldn't get it so I called customer service again where the final XXXXt delivered the message that I should wait until the next statement closing date to see the credit post to the account.
Product: Money transfer, virtual currency, or money service

I was asked to do a job, for a guy went out and gave him a quote, he sent me an electronic check, and I deposited it went through the next day, on XX/XX/XXXX the he sends me a text saying the job fell through and he could no longer purchase the property and asked for his money back I used XXXX to refund money took me for XXXX, then the check returned and I was in the hole, Wells Fargo usually puts a hold on a check for that amount and mishandled the XXXX transfers they weren't even red flagged. I kept getting the runaround.
Product: Credit reporting, credit repair services, or other personal consumer reports

AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE XXXX XXXX XXXX LATE PAYMENTS Credit usage - % credit usage unavailable Balance - Balance updated - Credit limit {$200.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Credit card Payment summary XXXX XXXX XXXX - XX/XX/XXXX - XX/XX/XXXX - XXXX XXXX - XXXX CLS - XXXX - - XXXX - - XXXX - XXXX - XXXX - XXXX - XXXX - PAYMENT HISTORY LEGEND Status Paid, Closed. 
Status updated XX/XX/XXXX Highest balance $ 231 Monthly payment - Last payment date XX/XX/XXXX Additional info XXXX XXXX XXXX XXXX XXXX sold - Original creditor - Comments Account closed at credit XXXX 's request Your statement **CONSUMER STATEMENT** ITEM IN DISPUTE BY CONSUMER Contact info Address XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX number ( XXXX ) XXXX It's been more than 30 days for the investigation!!!! 
RESPONSE DISPUTE 15 U.S. C ode 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft. not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identit theft!! Please delete these items as soon as possible! 
These accounts should not be furnished on my consumer report as they are in VIOLATION!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consume I am demanding the deletion of the accounts listed IMMEDIATELY.
Product: Debt collection

I have filed one complaint on this company and I am still receiving phone calls from them after telling them do not contact me.
Product: Credit reporting 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. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX has violated my rights. Or list of inquiries 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, credit repair services, or other personal consumer reports

I have an account with XXXXXXXX XXXX  appliance on which I am financing several appliances. I have ALWAYS paid this account timely with no issues. 

In XX/XX/XXXX I had a vehicle accident and was unable to pay the account. I called and spoke with several representatives and on one call specifically I established a payment arrangement to defer the XXXX payment and bring my account current in XXXX. A new payment date was established. 

I paid the account current on the agreed upon date. 

According to the Fair Credit Reporting Act and additional advisory opinions issued by the Federal Trade Commission that states when a new promise to pay date is set and agreed upon by both parties that date is used to determine timeliness of the consumer 's payment. 

Seeing as how I kept to the arrangement of the promise to pay and paid on or by that date this late payment reporting on my report is invalid, inaccurate and thus unverifiable. 

This item is to be removed from my credit report as stated in the Fair Credit Reporting Act ; continuing to report this information is blatant violation of my rights as a consumer as they are granted to me. 

Account : XXXX XXXX XXXX XXXX Issue : 30 Day late mark for the month of XX/XX/XXXX
Product: Student loan

Student loan double charged me when the full amount was already payed. Account ended up getting overdrafted twice. Loan servicer is Aidvantage
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate and outdated information being reported on my credit file related to a 30-day late payment for the above-referenced XXXX it Secured Credit Card account, dated XX/XX/year>. 

Per my recent communication with XXXXXXXX XXXX, the creditor has already confirmed the removal of this late payment and provided written documentation stating that they have requested the removal of the delinquency previously reported for XX/XX/year> from my credit history. This was clearly stated in their courtesy deletion letter dated [ insert date if available ]. 

Under the Fair Credit Reporting Act ( FCRA ), Section 602A ( 6:024 ) and the Fair and Accurate Credit Transactions Act ( FACTA ), I am exercising my right to request the immediate deletion of inaccurate or unverifiable information from my consumer credit report. Additionally, per 15 U.S.C. 1681i, you are required to reinvestigate and promptly remove inaccurate data when the furnisher confirms that the disputed information is incorrect or no longer valid. 

I demand that the late payment for XX/XX/year> be deleted immediately from my credit report to prevent further harm to my creditworthiness, especially since the creditor has acknowledged the error and issued a correction notice to your agency. 

Attached are the following supporting documents for your review : A copy of the letter from XXXXXXXX XXXX  confirming deletion A copy of my drivers license ( ID Verification ) A copy of a recent utility bill or bank statement ( Proof of Address ) Please conduct your reinvestigation, and upon confirmation, remove this negative item from my credit report across all bureausExperian, Equifax, and TransUnionas required by law. Kindly send written confirmation once the deletion is completed. 
Respectfully XXXXXXXX XXXX XXXX XXXX  UCC-1-308 without prejudice
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to express my extreme frustration and utter disgust after discovering that the following com- pany ( s ) have reported charge off ( s ) on my consumer report : [ XXXX XXXX XXXX XXXX XXXX ] It is clear that the charge off ( s ) on my consumer report is/are in direct violation of the laws cited above. As such, I am entitled to receive damages for this willful noncompliance. Let me be unequivocally clear, according to 15 US Code1681n, I can charge {$1000.00} for damages if. The reported cancellation of debt does not accurately reflect the circumstances under which the debt was canceled. Debt was Canceled by Insolvency/Other. Due unforeseen events and are now counted as Income on my 1040 Tax Form, and as such, it should not impact my credit report negatively.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regarding Equifax response to mailed compliant requesting a reinvestigation into the bankruptcies on my credit report, the response I received in the mail on Thursday XX/XX/22 stated XXXX XXXX was the furnisher and it came back verified. I dont find that response sufficient. I have mailed Equifax a letter of my intent to sue regarding the bankruptcy on my credit report that they uses XXXX XXXX as their furnisher. My letter of intent to sue was mailed via USPS with tracking # XXXX. Not only did I supply Equifax with the XXXX XXXX results showing the bankruptcies came back unverifiable. On the XXXX XXXX results page, that I have already sent, is a website and passcode to pull my most recent XXXX XXXX Report where you can scroll down to the bankruptcy section and see that it has been removed. XXXX XXXX is no longer a furnisher of bankruptcies regarding my self. I also received a letter from the courthouse stating they do not furnish any information to ANY CREDIT AGENCY.
Product: Mortgage

returned my last XXXX payments Will not accept my bank payments request that i pay on their website. Asks me to call them at a number they provide. when I call the number they provide I receive a robo response. Will not allow me to speak with a person. Paid flood insurance escrow payments to late and over paid property insurance 20 days to soon.
Product: Debt collection

To whom it may concern, I received a call from this Company XXXXs XXXXXX/XX/XXXXThe gentleman I spoke to was absolutely rude. I had money to pay for the debt and make payments from there moving forward. He refused to do that or for me to make payments unless I paid it in full. I asked well whats the lump sum amount I can make and I can see how I can come up with the money by that following Friday being XX/XX/2021. His company failed to contact me and I paid other debt I was owed. His colleague then called me by the name of XXXX where he was willing to take payment and see if they could work with me, his Manager took over the phone was extremely aggressive and began yelling at me over the phone. He said if I dont pay {$750.00} now he will not take any other payment. I said I would be able to pay the account in full by XX/XX/XXXX when I get paid he said " I dont believe youll be able to pay that in full if you cant pay {$700.00} now all i need from you is your lawyers information. '' Again unwilling to work with me to pay the debt and will not take payments. They failed to called me XX/XX/XXXX to pay it in full they are now threatening to take me to court if I dont pay they amount they want where I am willing to pay but they are unwilling to accept any payment at all from me. He began to further yell at me and threaten me over the phone where I dont feel its okay to be treate that way when I am trying to pay the debt but they wont allow me to? It makes no sense! I can make payments but if its no the amount they want they wont accept my payment and then threaten me they will take me to court and belittle you over the phone. No one should be treated this way its abusive!
Product: Credit reporting

I opened a XXXX XXXX account on XX/XX/XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Utah XXXX. XXXX. I fell behind in XX/XX/XXXX. Total amount was {$2500.00}. Fast forward to XX/XX/XXXX. I contacted XXXX XXXX regarding account # XXXX. We entered a settlement agreement amount of {$2000.00}, which was paid in two installments of {$340.00} and a final payment of {$1700.00} on XX/XX/XXXX. XXXX XXXX is reporting now that I owe an additional {$880.00}. No I do n't. The new agreement/covenant superceded the old agreement and the account is paid in full as agreed with a XXXX balance. I would like the credit bureaus to report same or delete the line item in it 's entirety. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, XXXX I applied online for a XXXX XXXX XXXX On that same day XXXX XXXX did a hard inquiry on my XXXX credit report. On XXXX XXXX, I received a letter from XXXX dated XXXX XXXX stating that because of a security freeze on my XXXX report that my application would not be processed. I had also received a letter from XXXX stating the security freeze had been lifted from XXXX XXXX XXXX XXXX, XXXX that allowed XXXX access to the report. XXXX says they never accessed my report, but the inquiry is on my XXXX report and will only consider my application if I allow another hard inquiry. XXXX will not let me dispute the hard inquiry because XXXX looked did run a credit check and will not remove it. XXXX will not remove it because the bank says it never ran it. So this inquiry will affect my credit score for the next two years and I got no benefit from it.
Product: Student loan

I consolidated this loan from two loans of {$2500.00} each. Total of {$5000.00} borrowed. The loan was in forbearance for a number of years because I was not working. This caused it to increase to {$18000.00}. I have been paying on this loan for 7 years with an average payment of {$200.00} per month and the amount keeps increasing. I now owe {$26000.00}. This to me is unfair and abusive practice. It appears all payments are going toward interest only and at this rate I will be paying well into my retirement as I am approaching retirement age. Will I have to continue making payments well into retirement? At this point when will this debt be satisfied? According to my calculations I have paid this loan 3 times over. MOHELA is the loan servicer name. Thank you for your attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to report a violation under the FCRA. Experian is reporting an unverifiable item. I am demanding this item to be removed from my credit report. 

If Experian fails to remove this item from my credit report, I will not hesitate on filing suit. I am giving XXXX  the chance to solve this through the CFPB portal. 

I am aware that reporting an unverifiable item violates the Free Credit Reporting Act and that it can be taken to court. I give Experian 30 days to remove the item and send me a deletion letter for my records. 

Below is the unverifiable item contained on my report : 1 ) Reference Number XXXX, Date Filed XX/XX/2019, status Discharged CH-XXXX. 

Thanks to whomever reads my complaint. 

See documents attached.
Product: Debt collection

A loan was taken out in 2019 for the amount of {$390.00}. The problem is it was under my old address and name. That debit was sold to NCA which I called and followed up with a police report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  has been non-compliant with removing the unverified account NAVIENT which has been deleted by XXXX  and XXXX. XXXX  and XXXX  have both completed their research and determined that NAVIENT was not established by myself but XXXX  keeps verifying this accounts. Also, when I called the company they responded that XXXX  did not send them all of the verifying evidence to confirm each account is unverified.
Product: Debt collection

I was a victim of bag snatching around XX/XX/XXXX all my personal indentification my sss all my cards and my cellphone are inside my purse Good Samaritan called a police and the cops came he do all the reports after that I received all the person used my cards and my identity to call applying credit cards using my name thats so stressful. I thought everything is fine coz I freeze my credit score so that they cant used it but just now XX/XX/XXXX I received a letter from RFGI debt collection they said I owed {$3600.00} from a retail lease from XXXX XXXX XXXX  which I dont know and i didnt do the transaction. I called RFGI to tell them that someone used my identity to buy or lease from XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices which violates the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent an address fraud on their platform, leaving my account, vulnerable and unprotected.

Furthermore, their dispute resolution process, unfair, and deceptive as they did not comply with error resolution requirements under The Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconveniences and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

After several phone calls and mailed in disputes, Experian refuse to remove my old address from my credit report, this is prohibited me from getting credit. I sent in my proof of current mailing address along with my social security card, they still continue to tell me they will not properly update my personal information on my credit file
Product: Debt collection

Credit Control, LLC has been harassing me for the past two years stating I owe them {$240.00} from an XXXX XXXX credit card.. I have responded to this on numerous occasions reporting to them I have excellent credit and this is not my debt ... .What they list is not even my XXXX XXXX credit card number. If the harassment does not stop I will contact my lawyer and take them to court.
Product: Debt collection

I moved out of an apartment and in less than a month I had an XXXX bill on my credit for last charges. I called XXXX XXXX and paid the account off in full. They said it would take up to 90 days for it to come off my credit. It has now been 7 months and I have repeatedly called and asked them to remove the account from my credit and report it paid in full. They just keep telling me to wait another month. I now can't even talk to a person, I just get shoved into a voice-mail with no call back..
Product: Checking or savings account

i recently went on vacation to florida with my XXXX daughters. i was home for about a week and noticed that there was a deposit of XXXX to my account. i did not recognize this deposit. the same day, the money was taken back out of my account. my daughters checking accounts have also had the same things happen. my accounts are severly overdrawn. the irs had also just deposited my XXXX dollar tax return that i have been waiting for since XXXX. the same external account has taken over XXXX of that money as well. i filed a fraud complain with usaa. they told me that it will take 7 to 10 business days to investigate. i also found out that my identity was stolen. this all connects together. i am a XXXX  mother of XXXX daughters. i have a mortgage and children to feed. usaa does not seem to be hasty about any of this. i was never notified that there was any kind of fraud to my account either. please help
Product: Credit reporting or other personal consumer reports

Dear Credit Bureaus, I am writing to formally dispute the inaccurate reporting of late payments on my account with XXXX XXXX XXXX XXXX, as reflected in my credit report. My account number is XXXX. According to my records, and as required under the Fair Credit Reporting Act ( FCRA ) and the Fair Credit Extension Uniformity Act ( FCEUA ), I am entitled to ensure that only accurate and verifiable information is reported to the credit bureaus. I did not receive statements from XXXX XXXXXXXX XXXX XXXX  per FC

RA 15 U.S. Code 1666b. Late payments are considered transaction history, and transaction history is not permitted to be included within consumer reports per the FCRA. The disputed late payment ( s ) appear to have been reported inaccurately, and I believe this may be due to an error on your part. I respectfully request a thorough investigation into the following : Late Payment Date ( s ) : XXXX XXXX 30 days late, XXXX XXXX 60 days late, XXXX XXXX 30 days late, and XXXX XXXX 60 days late. Explanation : Per 15 U.S. Code 1666b a statement was not mailed to me the consumer 21 days before payment was du
e to settle account balance. I have corresponded with XXXX XXXX XXXX XXXX about this matter multiple times and the errors have not been fix and or removed from my consumer report. 

The FCRA requires that inaccurate or incomplete information be corrected or removed from a consumers credit report within 30 days of receiving a dispute. Additionally, the FCEUA provides that you must fully investigate and verify the accuracy of any claim or report related to credit, and I request that you provide me with the findings of your investigation.

Please conduct a full review of my account and confirm that the late payment ( s ) were reported correctly. If you find that the late payments were indeed reported in error, I request that you promptly update the records with all credit reporting agencies to reflect the accurate status of my account.

I also request that you send me written confirmation of your findings and any action taken to rectify this matter. If you require any additional information or documentation from my side, please inform me at your earliest convenience.

Thank you for your prompt attention to this matter. I expect a resolution within the timeframe specified by the FCRA and FCEUA. If this issue is not resolved in a timely and satisfactory manner, I may be forced to pursue further legal action.
Product: Vehicle loan or lease

I leased a car from this company not even XXXX months into having the car the engine blew I was stuck on the side of highway miles away from my home. Eventually I ended up getting car towed back to used dealership & didnt hear anything back for a few weeks. This company harassed me for a payment by calling all of my emergency contacts INCLUDING my employer asking for me. They were demanding payment for a car that was no longer in my possession. Please remove this from my credit report immediately.