23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

As I am looking at my consumer report. I see that Experian has not only failed to do an accurate investigation but they have also not responded to my request of method of verification that I asked for regarding accounts : XXXX XXXX XXXX XXXX XXXX XXXX : Date Opened : XXXX XXXX  Current Status : Open : XXXX XXXX XXXX late payment XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Acct # XXXX is reporting a 30, 60, 90, and ND ( No data for this period ) delinquency late payment ( s ) 4. Creditor Name : XXXX XXXX XXXX Account Number : # XXXXDate of First Delinquency : XX/XX/XXXX Amount : {$0.00} It is being considered a charge off XXXX. Creditor Name : XXXX XXXX XXXX Account Number : # XXXXDate of First Delinquency : UNKOWN Amount : {$60.00} It is being considered a 30 Days delinquent. XXXX. XXXX. XXXX XXXX XXXX : # XXXX Date opened : XX/XX/XXXX Current Status : Closed. {$5000.00} written off. XXXX XXXX 90-day late payment, XXXX XXXX CHARGE OFF, XXXX XXXX CHARGE OFF, XXXX XXXX  30 day late payment, XXXXXXXX XXXX 60 day late payment, XXXX XXXX 30 day late payment, XXXX XXXX 60 day late payment. Not only did I request that but they did not warn me ahead of time that they were going to report this and I did not give them written or expressed consent to do so. They are violating my consumer rights and SO MANY levels. They are failing to accurately report information on my consumer report and everything that is inaccurate will now be listed and shown since they did not do their job. Due to the fact that these accounts were not corrected, they violate FCRA and they are in violation of the law. These violations include but are not limited to : 15 U.S. Code 1681b 15 U.S. Code 1681o 15 U.S. Code 1681i ( 5 ) ( A ) 15 U.S. Code 1681g 15 U.S. Code 1681r 15 U.S. Code 1681q I am frustrated because these accounts that should have been removed are impacting my life. Below are the damages done by not having correct information on my consumer report. Below are the damages done by not having correct information on my consumer report.
Product: Credit card or prepaid card

In XX/XX/2019 I opened an additional user credit card in my XXXX XXXX XXXX Mastercard for my XXXX year old son. During that time I had set up alerts on my card if transactions were made I would know about them. My son made 7 small transactions with XXXX during the first month he had the card and before the first statement was issued. Whereas I was notified of the charges which were between $ XXXX- {$10.00} Barclays never notified me through alerts that they were applying a {$10.00} Cash Advance Fee to each charge. For example, a XXXX charge was done on XX/XX/XXXX for {$1.00} and Barclays charged a {$10.00} Cash Advance fee without alert. No other credit card treats XXXX transactions as Cash Advances. XXXX XXXX charges 3 % of the total transaction for example. Barclays never notified me they were treating them as Cash Advances in any Agreement or through the alert system I had set up with them. At the end of the month when I received the bill I contacted Barclays and was told under no circumstance despite their deceptive practices they would remove the charges. I spoke to multiple representatives and supervisors who were rude, obnoxious and completely unprofessional. As a result I cancelled my card which I had for years without incident and refused to pay the bill. I'm willing to pay the bill less the {$70.00} in unlawful charges but Barclays has instead now decided to wreck my perfect credit. I'm asking the CFPB to look into the deceptive practices of Barclay 's on cash advances with XXXX and have them remove this information from my credit report. Barclay 's has probably collected millions of dollars from thousands of customers with this deceptive practice.
Product: Mortgage

XXXX i still do not have my corrected 1098 form as of XX/XX/XXXX. I now have not received my monthly statement for XXXX either. When calling in I get the run around and no one has an answer/timeframe as to when I will get my correct 1098, is CFPB really helping? I get same generic ltr. IT'S BEING REVIEWED. It has been more than 30 days .It was a simple correction 2 Mi-applied pymts to principal/reverse re-apply as regular payments effective in XX/XX/XXXX. Correct the amount of interest paid and send the new statement already. This is causing me to not be able to file my taxes. Co. doesn't seem to care at all. RUN AROUND EVERY SINGLE TIME I CALL NO ONE KNOWS ANYTHING. Now I'm not getting my monthly statement from XX/XX/XXXX. I call and am holding holding holding. I finally get XXXX. XXXX ID # XXXX came back to phone XX/XX/XXXX states no update dept is closed and has to reach out tomr.. I asked for CEO name and Corp address, she read it off so fast and had to look up the info again as was unsure. I will also be reaching out via certified mail with a request to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX with another written request and complaint about the slow and lack of response time to correct this issue from D.
Product: Debt collection

The car dealership spokesman for XXXX XXXX advised me to tell Santander Consumer USA a lie. He told me to say I work for XXXX instead of XXXX. So he can get profit, and there was a big scratch on left side of the passenger door. I did note that problem to customer services.
Product: Credit reporting

I have placed a security freeze on my credit record with all XXXX credit reporting agencies so that I can avoid identity theft. I needed to lift the freeze with Transunion so that I could get internet service. Despite the fact that I provided Social Security Number, Birthdate and PIN number, Transunion would not lift the freeze because they claimed I had not changed my address in their records when I recently moved. However, on their own web site my account showed the correct address. They then required me to answer security questions and refused to serve me because I could not remember the credit limit on an unnamed charge card issued XX/XX/XXXX. They then required me to fax and mail copies of my drivers license, social security card, and a utility bill, but still did not fix my address in their records or lift the freeze. Finally after numerous calls and hours on the phone someone agreed to lift the freeze and i had to give a charge card number for a {$10.00} fee. Several days later I had to call back to get the " lift '' cancelled and the security freeze reinstated. They put me through all the same obstacles again. I had learned the credit limit on the XX/XX/XXXX bank card and gave it, and then they demanded the credit limit on an unnamed store card issued XX/XX/XXXX. I could not answer that question. Could anyone? I just kept repeating that I wanted the security freeze put back on my account and the lift cancelled. Finally they did as I asked. All these calls were handled by people speaking heavily accented and virtually unintelligible XXXX who rarely understood what I was saying and were clearly reading from scripts. I am sure this happens because Transunion wants people to give up in despair and order their so-called identity protection service which costs more that the leading service. They do not want people exercising their right to place security freezes and they make it as difficult as possible. This is not fair. This company should be punished.
Product: Credit reporting, credit repair services, or other personal consumer reports

The consumer reporting agency, EXPERIAN INFORMATION SOLUTIONS INC, is inaccurately reporting a late payment on my consumer report and file. In accordance with 15 USC 1666b, I can not be late on my credit card account with XXXX XXXX XXXX as it is under an open end consumer credit plan. Prior to furnishing this inaccuracy on my consumer report on XX/XX/2022 did EXPERIAN INFORMATION SOLUTIONS INC investigate to verify this information to be true? 

XXXX XXXX XXXX  received a billing error dispute as well as a CEASE AND DESIST NOTICE on XX/XX/2022. In accordance with 12 CFR 1026.13d ( 2 ), XXXX XXXX XXXX can not make any adverse report about my consumer credit standing upon receiving billing error dispute. Also, XXXX XXXXXXXX XXXX  is in violation of the Cease and Desist Notice as they are not to communicate with me directly or indirectly in which they are indirectly communicating with me via my consumer report and file to coerce payment. 

Pursuant to 15 USC 1681 ( a ) ( 3 ), EXPERIAN INFORMATION SOLUTIONS INC assumed this VITAL role and must adhere to their grave responsibilities pursuant to 15 USC 1681a ( 4 ). It is unfair to report my private transactions and experiences without getting consent from me, the federally protected consumer. EXPERIAN INFORMATION SOLUTIONS INC. continues to act impartial by not giving me, the federally protected consumer, an opportunity to validate the information before furnishing on my report. This all could have been avoided had they conducted a proper investigation instead of aiding XXXX XXXXXXXX XXXX  to attempt to commit coercion. 

Pursuant to 15 USC 1681b ( a ) ( 2 ), my written instructions are to remove the late payment from my consumer report and file. This needs to be updated immediately as everyday it is on my report it is damaging my reputation and prohibiting me from doing business with other financial institutions by falsely portraying me to not be creditworthy which impairs the efficiency of the banking system pursuant to 15 USC 1681 ( a ) ( 1 ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent account in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any account listed on an id theft report. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXXXXXX XXXX XXXXXXXX XXXX Date Opened XX/XX/17 Balance {$4400.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have my Home mortgage with Flagstar Bank which has been paid automatically via my personal account ( XXXX XXXX ). This was arranged through the Flagstar bank 's website. Back in XX/XX/2021, XXXX was bought out by another Bank, XXXX. Unfortunately, for month of XXXX, the amount was not drafted automatically by Flagstar bank since my personal account now was changed to XXXX XXXX. I have been very busy as a physician working in the hospital and treating XXXX infected patients almost every day over the last XXXX years where I contracted the virus and suffered very severely. I had peace of mind that the loan is on Auto-pay and there must not be any issues with the monthly payments. Apparently, Flagstar Bank has a WRONG CONTACT NUMBER on my file. They claimed that I have been contacted via that WRONG NUMBER and a message was left for me. The bank admitted that the phone number was wrong after all. Accordingly, after the payment was delayed for more than XXXX days, I was reported to CREDIT BUREAU! Unfortunately, I noticed their malicious action when I was informed about my dropped XXXX XXXX. Instantly I called Flagstar Bank while I was in the hospital, I informed them about the error and the balance was paid instantly over the phone. I was informed that I have to file a complaint to their " Credit Report Department '' to dispute the report, which did. After multiple attempts, based on their own response, without even mentioning any words about the " XXXX Cause of the Error '', they responded as, '' payment was delayed and report was appropriate ''. I am just shocked and surprised how insensitive, irresponsible and apathic a financial institute can be??!! I reported Flagstar Bank to XXXX and CFPB an I strongly believe the bank 's action is inappropriate and unnecessary. I hope their Credit Report Department review the case properly, before I dispute their unjust action through a legal complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have never been late with Mohela student loan company. 
Acct shows I was late several years ago. Mohela bought account. I've never been late with Mohela.
Product: Credit card or prepaid card

Comenity Bank has been lowering my credit limit each time I make a payment on an account. Each time they do this, it lowers my credit score. Then they tell me that based on my lowered score, they are decreasing the limit again. This latest cut showed a credit score from XXXX and included lack of real estate as one of the reasons. I did not own a home when I applied, now, during a pandemic they are looking for home ownership as a criteria for a store card. 

This is an unscrupulous banking practice during a time when so many are facing severe financial crisis. I paid my account down to XXXX dollars and was rewarded with a limit decrease. This is a disgusting practice and consumers should have protections. Especially during this time.
Product: Credit reporting or other personal consumer reports

Subject : Complaint Against Experian for Violation of Fair Credit Reporting Act Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Experian for its failure to properly investigate and remove inaccurate account information from my credit report in violation of the Fair Credit Reporting Act ( 15 USC 611 ). 

Account Information : Creditor Name : XX/XX/XXXXAccount Number : XXXX Date of Charge Off : XX/XX/year> Amount : XXXX I previously submitted a dispute to Experian regarding the inaccuracies in the above-referenced account. Despite providing evidence supporting the accuracies and requesting its removal from my credit report, Experian failed to conduct a thorough investigation and the disputed account remains on my credit report. 
As a consumer protected under the Fair Credit Reporting Act, I have the right to request the removal of inaccurate or outdated information from my credit report. Experian failure to comply with this law is a violation of my consumer rights and has caused me financial harm and distress. 
I respectfully request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action against Experian for its non-compliance with the Fair Credit Reporting Act. I am seeking the immediate removal of the inaccurate account information from my credit report and appropriate measures to ensure that Experian upholds its obligations under the law. 
To soport this claim, I have enclosed the following documents : 1 : copies of previous credit report showing Discrepancies inacury information 2 : Dispute letter sent to Experian Thank you for your attention to this matter. I look forward to a prompt resolution and your assistance in rectifying this issue. 
Sincerely, XXXX XXXX XXXX XXXX
Product: Checking or savings account

De ar Sir/Madam,  This is in regards to  my CitiBank accou nt #  XXXX . In  XXXX   XXXX   CitiBank ha d a promotional offer of {$400.0 0} if one opens  a new checking account with initial deposit of {$15000.00} within 30 days of opening such an account and keeps this balance in the account for at least 90 days. On  XXXX / XXXX / XXXX , I applied for such account online and attached pdf file has all relevant information of my interaction wit h CitiBank a bout this matter.     On  XXXX / XXXX / XXXX  I received a confirmation that my account is now active and ready to be funded ( please see pag es 1 and 2 of the at tached file ).     On  XXXX / XXXX / XXXX  the money has been deposited into my account ( please se e pages 3,4  an d 5 of the  attached file ). ).     After 3 months of the opening of the account I started inquiring regarding {$400.00} bonus. I could not get a clear answer, was transfer f rom one depar tment to another, and just to get rid of me was required to fill out different forms and sent them back, which I did.     Calling the bank, waiting to be transferred to different departments, filling out and mailing different forms took substantial amount of my time, but I still wanted to get what have been promised, besides the bank used my {$15000.00} absolutely free now for 7 months.     Finally on  XXXX / XXXX / XXXX  after several attempts to resolve this matter over the phone, I received a letter stating that my account does not qualify for this promotion because the required deposit was not made within the stated time frame ( please see the la st ( 6th )   page of the attached document ).     As indicated by the dates of the attached correspondence, I followed all terms of  CitiB  ank 's promotional offer and I feel that I have been defrauded by CitiBank, where   they used my money without fulfilling their promised obligation. Thus, I would like to kindly ask for your help in resolving this matter. Please do not hesitate to contact me at  XXXX  XXXX  XXXX  or by calling  XXXX  if you have any questions or require any further documentation.     Thank you in advance.    XXXX   XXXX   XXXX  XXXX  XXXX   XXXX
Product: Credit card or prepaid card

I recently opened two credit card accounts with chase. Both applications had to be manually reviewed before they were approved XX/XX/18 and XX/XX/2018. It took multiple phone calls to Chase to get the cards approved. I discovered on XX/XX/2018 via my account online page that all accounts were closed. I called the fraud department and they refused to reopen the accounts because of too many new accounts. I have never been late on payments and always complied with the credit Terms.
Product: Credit reporting or other personal consumer reports

I am writing with the utmost urgency regarding multiple inaccurate and falsely reported items identified on my recent credit report. These inaccuracies must be addressed and removed immediately as they represent clear violations of federal law, including 15 U.S. Code 1681o and other provisions of the Fair Credit Reporting Act ( FCRA ).

Many of these inaccuracies stem from DEBT XXXX, and as such, I am invoking section 605C of the FCRA, which mandates the deletion of information from a credit report that results from such practices. Your failure to maintain reasonable procedures to ensure maximum accuracy under 15 U.S.C. 1692g leaves your agency potentially liable for negligence, as demonstrated in XXXXXXXX XXXX. Equifax Information Services LLC ( XXXX XXXX XXXX XXXX 
Federal credit reporting laws require 100 % accuracy in reporting, and the items listed below fail to meet this standard. 
Enclosed with this letter are copies of my government-issued ID and utility bill to confirm my identity and residency, leaving no grounds for further delays.
Product: Checking or savings account

CAPITAL ONE WAS AWARE OF THEIR SECURITY BREACH SINCE XX/XX/year> AND DID NOT MAKE THEIR CUSTOMERS AWARE. ITS BEEN XXXX XXXX XXXX AND STILL NO ANSWERS OR MONEY. I CANT ACCESS MY MONEY.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. XXXX and TransUnion are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX
Product: Money transfer, virtual currency, or money service

I have settled my owed balance to BAM Trading Services Inc. for {$1000.00} in my binance.us account. I am unable to withdraw funds ( usd ) or withdraw my crypto due to my account being suspendeddue to risk management. I am in urgent need of my funds to cover an upcoming medical expense.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting everything has to be 100 % accurate on my credit report. 

The Credit Bureau stated that The information you disputed has been verified as accurate, but how is that possible when the information ( XXXX XXXX ) they said they verified from XXXX is not on my XXXX credit report? 

Equifax has violated my rights, and keep violating my rights even when I have tried to resolve this account several times. 

I have attached the Equifax results of the reinvestigation where they stated they obtained my information from XXXX. I also attached my XXXX credit report that has no information ( XXXX XXXX ) that Equifax obtained XXXX 

15 U.S. Code 1681i states 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.
Product: Debt collection

I got XXXX statements form The CBE group saying I owed money to the us department of the treasury. I have no idea or clue to what this is for. I receive my medications from the XXXX XXXXXXXX and I pay my balance online to gov.pay. All my taxes are paid and current. Thank you, XXXX XXXX
Product: Mortgage

Back in XX/XX/2016, I was laid from my company for over 18 years I've been employed there. I filed a hardship during those months, I was not able to make payments. I applied for a program Keep your home California. I was eligible to qualify their program but I missed months of payments for my mortgage. Finally the program assisted me with my mortgage payments through XXXX XXXX. 

I'm currently making my mortgage payment for the past 14 months straight. I would like to dispute this late payments for XXXX XXXX, that is affecting my credit scores. if you could please assist me get this off my record. I'm working so hard to get a affordable credit score so I may live a better life knowing that I'm the average American with a good score. 

Thank you XXXX XXXX
Product: Debt collection

On XX/XX/18 at XXXX XXXX I received a call from XXXX XXXX representative XXXX XXXX. I have sent two letters in the past asking that XXXX XXXX only contact me by mail, and to cease other forms of contact. However, XXXX XXXX is continuing to call me. I understand XXXX XXXX has a right to try and collect the debt I owe them, however, they are supposed to respect my right to have contact through the mail, which is stated under the fair credit reporting act. Additionally, I am already sending them what I can afford, and those checks are being cashed monthly.
Product: Credit reporting or other personal consumer reports

I Have a fraud loan of {$5400.00} reporting on my XXXX  account with a fraud address ive never lived in in another state plus inquiries. i reported this FRAUD to the local police dept the FTC, IC3 & now the CFPB about the fraud loan i NEVER APPLIED FOR MYSELF.