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

Genesis? XXXX Had received my agreed payment of XXXX on XXXX XXXX rather than the due date XXXX XXXX, 12 days early then in return added a late payment fee on XX/XX/XXXX of XXXX. They admitted the mistake through two phone calls and agreed the late payment should have not been charged because the payment was received early. They have also had a XXXX payment lost in the mail for a XXXX payment. They mailed the payment back to me and marked me as 30 days late on my credit reports being they did not receive the payment back until XXXX though they mailed it back to me so therefore XXXX payment was not late. They charged me XXXX late payment charge and marked my credit reports as 30 days past due. I would like my money back and my credit reports corrected. There is a conflict because of their Internet spokeswoman is the daughter of the manager in the building I live in, maybe this is the problem because I am in the right. I agreed with them I was over the limit but not late with the payment. There is a difference with being over the limit and late, these are late charges. This company is a rip off!
Product: Credit reporting or other personal consumer reports

Issue : My credit report contains an inaccurate birthdate that matches my father 's. This incorrect information causes significant financial hardship for both of us. 

Impacts : Denied Credit : Both myself and my father have been denied loans, credit cards, and other credit opportunities due to the mixed-up birthdates. 

Negative Credit Scores : Our credit scores are negatively impacted, leading to unfavorable interest rates and insurance premiums. 

Potential Identity Theft : The data overlap raises concerns about potential identity theft, further jeopardizing our financial security. 

Urgency : This error has caused substantial financial stress and necessitates an expedited resolution. 

Supporting Documents : Relevant documentation like driver 's licenses and birth certificates will be provided to verify the inaccuracy. 

Request : Immediate correction of the incorrect birthdate on my credit report. 
Investigation into the source of the error and steps to prevent similar occurrences. 
Compensation for the financial losses incurred due to the inaccurate information. 
Conclusion : We urge Experian to address this issue promptly and with due diligence. The misinformation has caused significant harm, and swift action is crucial to rectify the situation and prevent further damage.
Product: Credit reporting

I have not checked my credit report in a very long time. I was wondering why I was unable to open up a bank account, so I ordered a new credit report and noticed a lot of items on there that were not mine. I believe I am a victim of Identity Theft and would like you to please look into this because it is simply affecting my credit score. Thank you.
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. This collection agency is not licensed and bonded to collect from me in the state of OHIO Account name : XXXX XXXX XXXX Account number : XXXX has violated my rights.
Product: Bank account or service

I opened an account with Citibank in XXXX. Then I moved to XXXX. I fully updated all my personal information and legal status throughout the process. 

Then, out of the blue, they decide to freeze my account! 
I did not receive any warning email. They did not send me any post to warn me of the freezing. I had money in the account and no cash in hand. And worst of all, they did this on a Friday, which means I had to wait until the following Tuesday until the customer service officer responsible for the freezing to come back to work. I had to spend 4 days without any cash in hand or withdrawal. I had to go to the currency exchange in order to buy my food! 

The employees at the XXXX branch in XXXX did their absolute best to help me out and resolve my case. I watched them call the customer service guys in front of me multiple times. No matter what they did or who they spoke to, the headquarters gave no satisfactory answer other than " Have him come back next Tuesday ''. 

When I came back on Tuesday, the only thing the bank could do for me to get my money back is to CLOSE THE ACCOUNT. That 's because the headquarters were unable to legally process my case. 

The bank employees advised me to take my money to another bank, because the headquarters were " too slow '' in processing my case. I could have spent another 2 weeks with a frozen account while they took their sweet time. 

As of the time in which this problem occurred, I was ( and still am ) an XXXX from XXXX. That was my legal status in the USA. It was valid and supported by my lawyer. But the Citibank people had no experience dealing with my XXXX applicant status, and they did not communicate effectively why this problem happened. If they had told me about the problem EARLY ( at least through email! ), I would have talked to them and worked with them to fix it, not spending 4 days with no cash in hand.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filled out a dispute for XXXX XXXX. This company has sold account several times. I am dispute do to they don't have the write year posted that XXXX stated put the account in collection they XXXX. This account is older than that I want to be removed from my record. I believe that this account has been in collection for 6 to 7 years. the company over charge me add over XXXX XXXX This is much more than owned them when I left the company. I was behind three months they razing my bill to point I couldn't afford it. I living by myself they was billing me over XXXX $ a month. This come out to XXXX $ I just don't see where they coming up with {$2000.00} for a phone service. I refuse to pay that much. I on limit income. I just can't afford that much. XXXX XXXX will not work with me.
Product: Checking or savings account

This happened in 2021 and I had {$50.00} in my account, I went to withdraw it, I was able to withdraw the money but next day I go and look at my account and it has the overdraft fee, and every other day after that they kept adding another overdraft fee everytime until my account had a negative balance of $ XXXX and some dollars, can't remember exactly the amount it was but I ended up closing the account. They are still harassing me to pay it off when it was their fault.
Product: Credit reporting or other personal consumer reports

Subject : Urgent Complaint Regarding Reappearance of Bankruptcy on Credit Report I am writing to lodge a formal complaint regarding a recent issue with my credit report that has caused significant distress and financial inconvenience. Despite having successfully declared bankruptcy in XXXX  and subsequently having derogatory information related to a mortgage company 's erroneous report removed after intervention by XXXX, I am dismayed to find that XXXX has re-reported the same bankruptcy status. 

This re-reporting is not only unjustified but also illegal under consumer protection laws. The mortgage company responsible for the initial error has already acknowledged and corrected their mistake, yet I am now unfairly burdened with the consequences of this reappearing bankruptcy on my credit report. This situation is causing undue hardship as it affects my financial credibility and potentially undermines my ongoing financial commitments. 

I request immediate action to rectify this error and remove the erroneous bankruptcy status from my credit report without delay. I urge XXXX to investigate this matter thoroughly and take swift corrective measures as required by law. Additionally, I request confirmation in writing once the correction has been made and assurance that such errors will not recur in the future. 

Please acknowledge receipt of this complaint promptly and provide a timeline for resolution. I look forward to your swift action in rectifying this serious matter. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

Thursday, XX/XX/XXXX I became a XXXX XXXX on XXXX XXXX and resigned with them on XX/XX/XXXX. I signed up believing the jewelry was lead and nickel free. They sold all of the pieces and accessories under false " fraudulent '' claims. I bought into the company under FALSE PRETENSES. I have attached pictures to this claim. The first one is from the website. The other pictures are from a lab where they tested several pieces of XXXX XXXX. This lab has never heard of this company and has been in business since XXXX. 
XXXX XXXX XXXXXXXX joined this conversation XXXX XXXX XXXX, IL Customer Care Advisor Hello! Thank you for reaching out. My name is XXXX and I'll be happy to help you! 
XXXX, I apologize for the inconvenience you have experienced with XXXX XXXX. Please let us know if there is anything we can do. 
XXXX XXXX XXXX I was wanting to know what steps I need to take. I have documents to back my claim up on these charges. From them changing the website and the lab results showing there is lead and nickel in the jewelry. I have contacted the company on their XXXX  program. This is their response consultants whose account has already been canceled, do not qualify to initiate a Buyback. 
XXXXXXXX XXXX Saturday, XX/XX/XXXX XXXX, if they are charges to your debit card, we can complete a merchant dispute. I do want to let you know our merchant disputes can take up to 120 days. With the merchant dispute there is a form that needs to be completed as well. ( edited ) XXXX XXXX XXXX  Sunday, XX/XX/XXXX Yes, these were all done with my debit card. I will gladly fill out the merchant dispute. 
XXXX XXXX Monday, XX/XX/XXXX I reviewed your account and see the transactions go back to XX/XX/XXXX, we wouldn't be able to dispute all of the transactions. When I spoke to our cards team they said we can dispute the last 90 days however. 
XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I uploaded proof which consisted of a payment activity activity summary sent to me by my mortgage company, showing that my payments had been made. I submitted this proof to XXXX and they got back to me in one day and said my dispute was closed because the company reported the information on my report was correct when I uploaded document sent to me from the company showing that it was not.
Product: Debt collection

The representative who helped me to make a payment told me that he is going to remove this as never charged, but still on my credit. can you please verify this and remove this for me? 
Thank you!
Product: Mortgage

There is nothing more frustrating than spending over an hour being bounced around from department to department for what should be a VERY simple request. Like many homeowners across the country, our property taxes increased. That means that our monthly payment went up. To make the burden less impacting, I called Bank of America and asked that they spread the shortage over 24 months. The responses I got were, " the system wo n't let me do it '', " you need to talk to Collections '', " Reg E prevents us from being able to do it ''. Not only are these responses not helpful to the consumer, they are inaccurate. I am beyond frustrated and unfortunately, this happens every time I call my mortgage company. I am beginning to wonder what type of training the customer service department receives and at what point they will take their customers seriously.
Product: Credit card or prepaid card

On or about XX/XX/2017, my American Express Serve Card ending in XXXX was permanently suspended due to alleged violation of the Cardmember Agreement Section 15 ( d ). On XX/XX/2017, I had reported a dispute to American Express Serve for the amount of {$190.00}. On XX/XX/XXXX, and XX/XX/2017, I received an email from American Express Serve indicating they required additional information to process my dispute and requested that I complete paperwork. I believe that my account was suspended due to the fact that I reported this dispute. The timing of when I reported this dispute to when I received an email indicating my account was closed is quite suspect. Now over two years later, and subsequent research, I have become aware that American Express routinely engaged in this conduct in violation of federal law. American Express routinely closes Serve prepaid accounts when a consumer files a dispute, does not investigate or provide credit to the consumers account, and revoked the card without any reason or explanation, often leaving the customer without recourse. There was no reason for my account to be closed as I did not engage in any conduct that would constitute a violation of the Cardmember Agreement. Contrary to its assertion, it appears American Express is engaging in conduct that is against federal law.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX has violated x 15 USC 1692 by continuing collection activity after a cease and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
Product: Mortgage

We have been working with a HUD counselor since XX/XX/XXXX. In XX/XX/XXXX a lis pendens was put on our property. We have submitted all documents requested by Freedom Mortgage and they have been ve19ry slow to respond, We have asked them to allow us to pay our mortgage as they keep telling us we are responsible for payments during the slow process of evaluating our circumstances, but they will not accept any payments from us. The process of resubmitting documents went in for 3 months and we couldn't make any payments during this time. On XX/XX/XXXX we received a letter stating that we could not prove our case. We had requested that since we didn't receive the promised help during Hurricane Irma, we requested to have several payments put on the end of the loan, since we were out of work and had expenses due to the storm. We also had family members diagnosed with XXXX and several deaths which required us to travel. We could not produce every receipt they wanted because we didn't expect to end up in this situation, so they denied our claim and have told us that our only two options are to do a pre-foreclosure sale or a deed-in-lieu.
Product: Credit reporting or other personal consumer reports

I am writing to declare that I am a victim of identity theft. A fraudulent account was illegally opened in my name without my knowledge or consent. Specifically, I have no recollection of applying for or authorizing the account with XXXX XXXX, and I am unfamiliar with its origin. This unauthorized activity has caused harm to my credit and financial reputation. 

I have taken immediate action by filing a complaint with the Federal Trade Commission ( FTC ), and I have enclosed my Identity Theft Report as evidence of this crime. Additionally, I have contacted the credit reporting agencies ( CRAs ) to request validation of the debt under the Fair Debt Collection Practices Act ( FDCPA ). However, the information I requested has not been provided, which further confirms the lack of legitimacy surrounding this account. 

The fraudulent activity violates my rights under the Fair Credit Reporting Act ( FCRA ), which ensures the accuracy of information reported to consumer reporting agencies, and the Identity Theft and Assumption Deterrence Act, which makes the unauthorized use of my personal information a federal crime. 

I am requesting the immediate investigation and removal of this account from my records and credit reports to prevent further harm. Identity theft has impacted my ability to secure credit and maintain my financial well-being. I appreciate your prompt attention to this matter and your cooperation in helping me resolve this issue. Please contact me if you require additional documentation or information.\ Please find attached a copy of my id, a copy of my SSC, a copy of my most recent utility bill, a copy of the FTC complaint and a copy of the validation of dept letter.
Product: Checking or savings account

Debit card fraud. Reported to Chase bank that transactions amounting to approximately {$2000.00} using my debit card number at an atm machine in XXXX emptied my checking and savings account. I live in Michigan. 

Chase conceded that it was fraud and they reversed the transactions. However, the transactions were still charged on my accounts. Chase told me that the local merchant in XXXX  refused to reimburse the money, so Chase is passing the fraud onto me. 

They said that it is possible that I gave my debit card number to these people in XXXX  XXXX XXXX. That I could try and come up with proof that I didnt do so. 

Im a retired guy on Social Security and {$2000.00} isnt something I can just whisk away without putting up some sort of a fight. Any kind of direction, help, or advice would be helpful. 

Thank you, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. 

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity.

Furnish information about accounts or other relationships with a consumer that is accurate.

C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards.

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports.

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards.

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB XXXX FTC and my Attorney General. 

XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX ( account number XXXX ) has late payments on my account from 2019. I found a buyer in XXXX of that year and began the process of selling the home. For whatever reason, it took XXXX XXXX  until XXXX to process the payoff on my account. This is NOT MY RESPONSIBILITY. It is theirs. 

I submitted a dispute to all three bureaus with different results. XXXX  only removed the 90 day late in XXXX. XXXX XXXX didn't do anything ... Equifax didn't do anything. This should prove that the entire process of reporting and dispute handling is upside down with the lender. I want the 60 day late in XXXX and the 30 day late in XXXX removed from my file as well. I want the 90 day late also removed on XXXX XXXX and Equifax. The delinquency was not my doing.
Product: Credit reporting or other personal consumer reports

I am writing to formally request that the following accounts and inquiries be blocked and deleted from my credit report. I am a victim of a data breach, and these accounts were opened without my knowledge or authorization.

Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am exercising my rights to request the immediate removal of these fraudulent accounts and inquiries from my credit file. 
Fraudulent Accounts : XXXX. DP OF EDUC XXXX XXXX XXXX XXXX XXXX  {$0.00} XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  {$470.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1100.00} XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX  {$280.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1600.00} Fraudulent Inquiry : XXXX. XXXXXXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

one day as I tried to buy a home for me and my family the company I 'm dealing with get the home informed me that I have a medical bill in collection that I have to take care I did research and this and it came out to be when I had my daughter, I was sure I had medial coverage I called XXXX to get conformation that I did have XXXX during this time. I also made contact with women specialist witch i then started asking why i was been billed they then read to me a address they had incorrectly. a few phone calls and a schedule hearing to get a coverage letter saying I had medical coverage at this time. then I was told by XXXX to call he collection agency and let them know that I have a paper saying I have coverage and to XXXX them over the proof. so I did so I was then told to called the company that billed me and asked then to re bill me so Medicaid can cover this. then the women specialist sent me a paper bill instead of re-billing there for I went completely around again making phone calls to the Medicaid collections women specialist finally a couple weeks in I talk to a manger at women 's specialist who then said they can not help me because it would be just time filling and they could n't do anything about it I then told them this was not my fault and they had the wrong address they said this address they had they got it from the hospital I then asked if they had the address why could n't they get the XXXX information also. these people where not from my request the hospital called them in to help not me!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX 15 U.S. Code $ 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 resulted 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 identity theft!! Please delete these items IMMEDIATELY!

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 report ( a ) in GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under 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 consumer I am demanding the deletion of the accounts listed IMMEDIATELY! 

Accounts to be deleted : XXXX XXXX XXXXXXXX Date : XX/XX/2022 XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Pursuant to 18 USC 8, I owe no debt. This company is violating my consumer rights to privacy pursuant to 15 USC 1681b 2. the company has also NO permission to report ANYTHING using my information pursuant to 15 USC 1681 4