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

XXXX  XXXX XXXX. XXXX  XXXX XXXX, PA XXXX XXXX XXXX : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report.

The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX Experian XXXX XXXX  XXXX XXXX, TX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX, GA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report.

The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX
Product: Mortgage

Within XXXX hours of filing a complaint with the CFPB, I was locked out of my online account. I am no longer able to access my online account in any way. I called the company, with no results, the man I spoke to babbled for a long time, and I just told hum, if you can't fix this just say you can't fix this and stop wasting my time. I currently have no way to verify if Citizens One Bank has fixed my original problem ( I paid my monthly mortgage payment with additional principal on XX/XX/21, the payment was verified by my credit union, their bill pay service and Citizens One Bank online account summary. My entire payment was credited to the loan principal and not mortgage payment and additional principal as was directed. ) I was told that due to my account being delinquent, I can't access it, so how am can I find out when and if my account gets fixed?? I have repeatedly tried to be proactive and resolve this issue, without luck. I have called multiple times and now have a total of on hold time of XXXX hours, with the only response of " we might have it fixed in 5 days '' however I have no way of verifying this. My concern is that this issue, completely caused by Citizens One Bank is going to be reported to the credit reporting agencies, and then the burden of getting the information removed will fall on me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my credit report and on XXXX/XXXXXXXX and observed 17 inquiries each from a different lender. These lenders pulled my credit without my permission. I did not give verbal or written permission to review my credit report. I did not give XXXX XXXX XXXX permission to shop my credit. The salesman that day told me XXXX will be the only company pulling your credit profile. XXXX can not and did not provide me with any documents or electronic signatures from me authorizing these companies to pull my credit. I am requesting all of the attached inquiries. This has dropped my credit scores and I am requesting the deletion of all inquiries pulled on XXXX/XXXXXXXX
Product: Credit reporting or other personal consumer reports

This information is incorrect/inaccurate and does not accurately reflect my credit history. I've sent a letter several times and received a return letter saying accurate. How is that possible with missing information? I kindly request that this item be investigated, and if found inaccurate, removed from my credit report.
Product: Checking or savings account

On or about XX/XX/ the IRS made a deposit of XXXX in my savings account ending in XXXX. I was out of the county starting from XXXX XXXX XXXX XXXX XXXX XXXX XXXX. On or about XXXX XXXX XXXX I received notification through email and text message to my mobile phone about some irregular transactions with my checking account and savings account with Capital One Bank. I waited until I returned home to make contact with Capital One around XX/XX/. After getting in touch with the bank it had come to my acknowledgement that Capital One had to upon themselves to close all of my accounts and never notified me by email, phone, or even the 3 times I went to branch. At no point in time did Capital One give me notice or even gave me an option to withdraw my funds or make a transfer or no other means to be able to redeem the funds in my account. Every time I would call which up until this point it has been around 10 times in the last month and 4 branch visits and over 30 days has passed. Not 1 member of Capital One has made any type of effort to help me recover my lost funds or account or even discuss with me about the remaining funds in my account or even if I want to close my account and open new ones. CAPITAL ONE AT NO TIME MADE ANY EFFORT TO RESOLVE THE SITUATION. Me and my son have been surviving with the little God gives us and we do ok. Today is XX/XX/ that i am writing this statement praying that maybe Capital One would do the right thing and actually review my account with me and iron this. Up until today I have only received a {$330.00} dollar check from Capital One out of the {$2200.00} deposited on XXXX XXXX XXXX  I have been barred from the Capital One branches due to me being angry about my accounts. As I keep calling every couple of days for progress of course im now getting a different story everytime about where my money from my accounts and also whatever happened to my accounts. Just a few weeks ago when right before XXXX I call Capital One again asking about my accounts. So at this time they then said to me my new accounts had been closed and that they had mailed paperchecks. Well in still waiting on my papercheck from my saving account. So it has gotten to the fact the fact that someone on Capital Ones side has literally altered my transaction history in all of my Capital One accounts. I personally have back dated copies digital and hard copy. Isnt that fraud and unfair and deceptive trade practicing, and like a few other things. This action performed by Capital One was life threating because I was unable to buy food and water and properly house not only myself but also my XXXX XXXX XXXXXXXX XXXX I have given up on the fact that Capital One is going to be in honor. The last time i spoke with Capital One they told me the never issued any closing out checks and that they transfered my funds back into one of my closed accounts.
Product: Credit reporting or other personal consumer reports

My account with ( CREDITOR NAME ) was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in those account to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


( CREDITOR NAME ) Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX  account [ XXXX  XXXX - XXXX, XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX - XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( XXXX ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Product: Credit card or prepaid card

I have been having the credit card for XXXX  insurance from comenity for a few years. Last year, I received a letter telling me that the card will discontinue. I paid my XXXX  insurance premium with the card which I am expecting 3 time rewards into my account. That is supposed to be the last statement period of the account. I did not get the rewards points at the end of the statement. I called the customer representative. They told me that they are aware of the problem and they're trying to resolve it. This XXXX, I received another letter telling me that I have until the end of this month to redeem my remaining rewards. But I still do not see my expected rewards points in my account. I still suppose they can fix this problem for me. 

Thanks
Product: Bank account or service

I ASKED BEFORE CASHING A CHECK THAT IT BE VERIFIED AND WAS TOLD IT WAS GOOD. IN FACT IT WAS N'T AND NOW I AM BEING PENALIZED AS OWING AND REPORTED TO XXXX.
Product: Money transfer, virtual currency, or money service

My complaint is against the US Bank Fraud Department 's handling of my wire transfers. Their interrogation of me, sending police and the XXXX of the state of Washington to my home to further interrogate me. The Fraud Department locked my access to my banking and credit card information on XXXX. It is still closed. I have credit card payments due and can not access them to be able to pay my bills on time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I began working with Citizens Debt Relief XXXX years ago. They have been unresponsive, taken over {$12000.00} in fees but have only applied {$3800.00} towards my debt. I have repeatedly asked to cancel the account and receive a full refund. They do not return calls, answer the phone, respond to emails or chats. I have a legal right to cancel this service and receive all funds that were sitting in escrow. This company continues to ignore my request for full repayment.
Product: Money transfer, virtual currency, or money service

I have been trying to create an account with Binance US for over a year now. They keep rejecting me because their XXXX  system is beyond broken. 

First, they claimed that the house that I've owned alone for the past 9 years doesn't have sufficient transaction history tied to me. This of course is entirely false. 

Then, they requested that I send them pictures of my driver 's license and of me holding up my driver 's license. I did that, but they never responded even though I sent them half a dozen follow-ups. 

The level of XXXX  shown by this company is shocking. They should not be allowed to handle anybody 's money. Unfortunately, they are literally the only way for a US resident to acquire certain crypto coins, which leaves us consumers without choices.
Product: Credit reporting, credit repair services, or other personal consumer reports

Early Warning Services , LLC XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, AZ XXXX ( XXXX ) XXXX XXXX, XXXX. 
Attn : Consumer Relations XXXX XXXX XXXX, XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX XXXX Dear Credit and early earning services, THIS IS A FRAUD ACCOUNT NOT OPENED BY ME XXXX Contributors-XXXX XXXX-Alabama Account number-XXXX Routing # XXXX SECOND FRAUD ACCOUNT- Consumer ID # XXXX Contributors-XXXX XXXX XXXX Account XXXX Routing # XXXX FRUAD EMAIL XXXX XXXX
Product: Debt collection

They will not stop calling my job ; the office where I work and leaving threatening messages. I called them & told them I can not receive calls at work- he said he was not going to remove my work number from the record and they were going to come serve legal papers at my job. I advised that is against CA State Law ; he laughed & said " have your attorney call ''
Product: Credit card or prepaid card

Back in XX/XX/XXXX, I signed up for the official XXXX XXXX XXXX credit card ( issued by the First National Bank of Omaha ) to further support the organization and its support of the shooting sports, youth education and the Second Amendment rights were all guaranteed by the Constitution.

In XX/XX/XXXX due to social pressure from the media and anti-gun organizations, they terminated the program - without notice to card holders. Many of whom who dont have multiple lines of established credit to fall back on.

When I heard of this from the XXXX  newsletter I contacted the bank ( on XX/XX/XXXX ) and was told that my card and account would not be renewed and basically given no option other than to close my account. ( Keep in mind that my account has always been in good standing and was always paid as agreed or better than agreed. ) Banks are required by law to be equal opportunity lenders and to not discriminate against their customers. In this case Im being discriminated against because of my membership in the XXXX and being an American citizen who supports and respects our constitution and the law. Im also effectively being denied credit based on their own political beliefs.

This practice of virtue signaling and imposing their own political agenda goes completely in the face of laws guaranteeing equal opportunity to banking customers and anti-discrimination/fair credit rules.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has not deleted the requested item off of my credit report. I have sent over the letter from the court stating that they did not share my personal information and they don't know where Experian got their information about the bankruptcy on my credit file. I also sent over a letter from XXXX XXXX saying that the bankruptcy was deleted from that report as well because they had no way to verify the bankruptcy. 

So if the courts didn't share my information and its not on my XXXX XXXX report I would like to know how is Experian so called verifying this account. This is a violation of my rights according to the FCRA. I want to sue for monetary damages done not only to my credit file but to my personal life due to this account being on my report.
Product: Debt collection

I had a credit card with Matrix who sold to Continental Finance. The limit was {$400.00}. They began charging a fee each month and all was fine with my payments until I was XXXX and had to go through XXXX. I got behind and filed my creditors with XXXX XXXX XXXX, this credit would " not '' work with them and continued to charge me {$35.00} a month for late fees so now I owe like {$800.00}. I finally worked out an arrangement with them to take a payment each month to try and resolve this debt and they took XXXX or XXXX payments from my account. I planned on {$45.00} begin taken from my account on the XXXX or XXXX payment but they attempted to charge me {$70.00} and I did not have enough money in my account to cover so the payment was returned. When I called them they said I agreed to pay {$70.00} after the XXXX or XXXX payment, I do n't remember and I said I ca n't afford that, and asked for them to take less but they said no. Now they are saying that I wrote a bad check ( and I did n't ) and then they said I gave them fraudulent bank account information ( but I did not ) I called to speak with XXXX telling him that I was having problems and considering filing a Chapter XXXX and in the middle of this conversation a man got on the phone, said he was the manager and begin yelling at me and when I would n't bow down to him, he hung up. I continue to receive phone calls from XXXX, XXXX and now a recorded message from XXXX XXXX and they continue to say that I wrote a bad check of provided bad payment information and that this is illegal across state lines. The only thing that I am guilty of is not having enough money in my account to pay what they require I pay and for not being able to include them in a CCC plan payment.
Product: Credit reporting or other personal consumer reports

I hereby formally dispute any unsubstantiated information on my credit report, in compliance with the FCRA and XXXX XXXX standards. Allegations must be supported by factual evidence, aligning with federal and state regulations. Please ensure accuracy in your reporting, as mandated by the XXXX XXXX standard. I kindly request tangible evidence confirming the account 's existence and its permissible use. 

Listed below are the Personal Information that are being challenged Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX XXXX NY, XXXX Incorrect DOB : - XXXX Incorrect CurrentAddress : - XXXX XXXX XXXX XXXX XXXX, XXXX, NY, XXXX Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Listed below are the Collections that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

this was not sent in error i am a consumer by law and my information was misused and now I have some false not 100 % accurate accounts on my early warning report. Unauthorized use of my early warning report.
Product: Payday loan, title loan, personal loan, or advance loan

I conducted an online inquiry for a line of credit, which I was approved for {$5000.00} after I submitted the application process and after the company stated that they would do a " soft pull '' of my credit. Once I clicked the finalize tab, I was asked to input my external bank information ( routing number, account number, bank debit card number, and PIN # ). I was also asked to upload 3-4 months of bank statements, and then I was asked to sign in to my external bank account on their website, using my login credentials. Then after all of my personal information was given to them and after they already approved me for a line of credit, immediately they declined me. And come to find out, they did a hard pull on my credit, not a soft one. They still have all of my sensitive external bank account information stored online in the account that they had me set up on their website. I called and requested that they remove it, in which they replied that they could not and would keep it for their future records. THIS COMPANY IS A SCAM AND FRAUDULENT! There are several bad reviews that warn others to stay clear of this scamming company. I wish I had saw these reviews beforehand.
Product: Debt collection

Disconnected the account and was given an incorrect final statement. XXXX XXXX XXXX keeps submitting my account to collections after repeatedly trying to fix the issue. XXXX sent me an updated statement reflecting a negative balance and even sent me a XXXX giftcard with the balance they owed me. I disputed it with a previous collection agency and they removed it, now a new collection agency is trying to collect on the same wrong balance. XXXX XXXX XXXX is extremely difficuly to communicate with. I have spent hours on the phone trying to resolve it.
Product: Debt collection

Every morning, for the past several weeks, beginning from approximately XXXX PST, and sometimes earlier, I have been receiving a series of harrassing phone calls from XXXX XXXX XXXX from the following number ( XXXX ) XXXX. 

These phone calls are repetitive every 30 seconds or so at least 4 times. I work nights and am generally still sleeping at XXXX XXXX -- I have tried to explain this to PayPal representatives with no change ini their tactics. 

call log : ( for past week only, previous weeks have been similar ) XX/XX/XXXX -- 6 calls between XXXX-XXXX XXXX XX/XX/XXXX -- 2 calls between XXXX -XXXX XXXX XX/XX/XXXX -- 6 calls  beteween XXXX-XXXX XXXX