23daVinci/CFPB_Complaints huggingface dataset:
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 XXXX XXXX XXXXXXXX. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) 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 reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payments on Credit Report Dear CFPB, I am writing to dispute inaccurate information on my credit report related to my XXXX account ( # XXXX ). Specifically, there is an erroneous late payment reported for XX/XX/XXXX, which does not accurately reflect my payment history. 
Nature of the Complaint Inaccurate Reporting : The late payment reported for XX/XX/XXXX is incorrect. This account has always been paid on time through autopay. 
Violations of Federal Laws : This misreporting violates the Fair Credit Reporting Act ( FCRA ) under sections 15 U.S.C. 1681i and 1681s-2, which require accurate reporting and correction of errors. 
Account Information Account Type : Auto Lease Account Number : XXXX High Balance : {$21000.00} Date Reported : XX/XX/XXXX Date Opened : XX/XX/XXXX Status : Open and Current Monthly Payment : {$580.00} Payment History : Incorrectly shows a XXXX late payment in XX/XX/XXXX. 
Requested Resolution I request that Experian investigate this matter and remove the inaccurate late payment from XX/XX/XXXX. Please provide written confirmation of this correction within 30 days. 
Enclosed are bank statements and autopay records to verify my on-time payments. 
Thank you for your immediate attention to this dispute. 
Sincerely, XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

THESE SOFT INQUIRIES ARE FRAUDULENT AND DOESNT BELONG TO ME AND NEED TO BE REMOVED. ALSO XXXX XXXX AS WELL THANKS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/2018, I sent {$1500.00} using Chase Quickpay service to my wife. How Chase Quickpay works is I will enter an email address as the recipient of the fund and the recipient will receive an email from Chase and link the email to a bank account to receive the fund.

I entered an correct email address and my wife received the email from Chase saying there is {$1500.00} sent from Me. However, when she tried to log in to her bank account to claim the money, she couldn't. The money is gone. I called Chase Bank and was informed that that {$1500.00} was sent to another person 's bank account. I filed a claim with Chase twice to recover the fund and they were all denied. The reason Chase gave is someone else presented my wife 's email address and link to another bank account and received the money I sent using my wife 's email address.

The email address I entered is correct. I can provide the copy of the email from Chase saying " You receive {$1500.00} from xxx ''. I can also provide a copy of the Chase Quickpay confirmation showing my wife 's email address as the recipient.
Product: Debt collection

this company keeps on calling my sister and harasses her that they are going to arrest me if she does not give them the message. they told her they are a debt collector however they should not have disclosed who they are. she keeps telling them to stop calling. they call her every week at the number noted. she is really angry and would like the calls to stop. I also would like them calling her as my reference.. they are rude and threatening her all the time. this is a 3rd party collection agency and have no idea who they are. please tell them to stop calling my reference and quit harassing her during day while she is working.
Product: Student loan

I contacted Navient by phone in XX/XX/XXXX after i withdrew to stop my loan and they agreed to do so.i also asked about the income based plan and was denied. Instead I was given the option of deferrment. I contacted them again in XX/XX/XXXX when i saw that they had turned it in to the XXXX. I was informed that another loan had been disbursed under my name which I informed Navient and the School that that was fraud. They blew me off like it was nothing. I contacted them again in XX/XX/XXXX after i disputed it on my credit and asked again can I get on the income based plan. Once again you are not eligible but we have something called forbearance. I never agreed to deferrment or forbearance in which I was placed. I was enrolled into XXXX XXXX XXXX XXXX in XXXX Missouri which seems not to exist because I can't find any info on the school
Product: Credit reporting, credit repair services, or other personal consumer reports

I demand the deletion of the fraudulent inquiries listed below. 

XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX  on XX/XX/XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX on XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi my name is XXXX XXXX im a victim of identity theft.I checked my credit report and found account that I didn't recognize and I tried to contact creditors and found out they have wrong or previous address that I resided on.But after dispute the information came as accurate so I went ahead and sent them an rental agreement proving for the date x to date x I was living in different address and by FCRA law 605B they have to stop reporting and bureaus start blocking these account.There is a car loan also on my credit report that was fraudulently taken out under my and my moms name.For XXXX XXXX there are XXXX account all XXXX are fraudulent.
Product: Credit card or prepaid card

XX/XX/22 I had logged into my Home Depot XXXX XXXX account for a purchase. 
Home Depot promoted their pro account revolving card. 
I do no own a business. I was looking for a credit card for myself and thought just because I had a pro rewards it wouldnt be commercial. I followed to application process and got the approval. 

After the approval I realized I was in the wrong card and contacted Home Depot within 3 business days. I contacted Home Depot to inform them of the mistake and speak with their credit department and discovered this was in fact a commercial credit card. I requested they change the card to a pro rewards consumer card however that did not seem to be an option. 

After speaking with representatives I decided I may be able to use this card. However the credit limit I received was only {$1000.00}. 
I requested for a credit limit increase that would be more suitable. I spoke with several representative from Citi to determine how I was only approved for {$1000.00} I have a XXXX credit score / making {$100000.00} year. 
They indicated the credit application asks average monthly Home Depot Spending I input {$1000.00}. The credit resolution representative advised me thats the language they use to imply requested credit limit Once I found out I was mislead and the credit application was worded I got angry and asked how I can get out of the credit card. 
I was told other than closing the card there was no way. 
This would negatively impact my credit score/credit report for an all around terrible experience being mislead and misrepresented by Home Depot and XXXX
Product: Debt collection

I hope this letter finds you well. I am writing to express my concern and disappointment regarding the recent experience I had with your bank. I appreciate the services provided by your esteemed institution, but unfortunately, I encountered a situation that has left me dissatisfied. I believe in the professionalism and competence of your bank, and I understand that errors can occur occasionally. However, it is crucial for customers to receive accurate and comprehensive information, especially when it concerns their financial matters. I kindly request your prompt attention to this matter and a thorough investigation into the misinformation provided. Moreover, I would appreciate it if you could take the necessary steps to ensure that such incidents do not recur in the future. 
XXXX XXXX XXXX XXXX XXXXXXXX If there are any specific procedures or channels I need to follow to rectify this situation, please provide guidance accordingly. I value my relationship with your bank and hope that we can resolve this matter amicably.
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

There seems to have been a billing error with my banking company which led to a late payment for the account XXXX XXXX. I have attached the letter from XXXX to XXXX bank informing them of this error. I was informed to send a letter or dispute to expedite the removal of the late payment since this has been ongoing. According to the FCRA this incorrect late payment reporting in XX/XX/XXXX ' is to be removed due to a billing error. I sent a dispute letter over 8 months ago and this information is still reporting. I will attach the letter that was sent XX/XX/2023 which is dated and time stamped. Please update this account to paid as agreed, never late. I have attached all relevant documents.
Product: Checking or savings account

XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX XXXX I have called every number in the book just to be put on hold and tell me they cant give me any information. I have done everything chase bank has told me to do and no one has done anything about this issue being resolved. Going on 4 months now and I have still not received my checks due to them closing my accounts without any warnings. I have talked to branch managers, every number given and still its XXXX and Nothing. I was told once Chase closes my accounts I would receive my money. I had received an email surprisingly stating it was closed. And after 10 business days I would have my money. That is not the case and I am at a complete lost here. Please help me resolve this and move on.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  and Transunion are reporting incorrectly a collection on the XXXX XXXX XXXX XXXX   partial account number ****XXXX in the amount of {$490.00}. ( Please see pages 11 and 12 of the attached credit report. ) I am in the military and received orders to move to North Carolina. I cancelled this service prior to my departure. The service was not cancelled correctly on XXXX XXXX XXXX end and my roommates who presided in the residence after my department failed to pay this bill. This account does not belong to me and this incorrect reporting is harming my credit score. Please remove these items from my credit report.
Product: Student loan

The servicer of my student loan was transferred from XXXX XXXX to Nelnet.  I did receive physical mail notification of the transfer ; however, upon establishing an online account with netlnet I was notified of a loan balance that appeared much higher than the balance disclosed to me online via XXXX XXXX during the months prior to the transition. 

I called XXXX XXXX to obtain a record of my loan balance prior to the transfer to Nelnet, and after being placed on hold multiple times prior to being reconnected to the service representative they were unable to provide me with my student loan balance at the time of transfer to Nelnet. 

I am concerned that the balance reflected at Nelnet is overstated and I have no means to reconcile my ending balance at XXXX XXXX prior to transfer to what now appears on Nelnet ( my new servicer ).
Product: Debt collection

A representative named XXXX XXXX from 'National Enterprise System ' continues to reach my main business line XXXX and my cell phone line XXXX. He continues to attempt to reach my ex husband which use to work in my business, But no longer does. 

He continues to harass my employees by interrupting them and blocking the only line I have open for my customers. He calls everyday with the same request after he was told several times that the person who he is trying to reach does not longer work there. 
He continues to make false statements regarding the ownership of the business and false accusations about the person he is trying to contact. 

Lastly, I am not the person who he is trying to reach and he is affecting my business dynamic by interrupting the work flow of a regular day. 

His name is XXXX from 'National Enterprise System ' his number is XXXX Ext- XXXX
Product: Debt collection

A collection company Midland Credit Management , Inc, is currently sending me collection for {$490.00}. They sent me records indicating that a person called XXXX XXXX ( my name ) with address XXXX XXXX XXXX, XXXX XXXX, MI XXXX ( not my address ) owed this amount and they cite a charge-off date of XX/XX/XXXX. The original creditor is XXXX XXXX XXXX  MCM account number XXXX. This is the latest incident on a serious of issues that began back in XXXX when a data breach at the University I work for happened. I told the collection office about this and they asked me to send a police report, an affidavid, which I did. This was of no use. They still are trying to collect the money. The police office in my university is aware of this as it is the victims services at the university who are trying to help me. The police officer asked me to file this report with you. Just this morning ( XXXX ) the officer at the victims office told me that she had received a word from the police XXXX telling her that I had to file a complaint with police in the city I live. Which I will do.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX XXXX, consumer, and natural person, am aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ) .Account Name has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. As a reporting agency that has assumed the role of assembling and reporting information on consumers such as myself, the FCRA requires that it is done so in a manner that is fair and equitable. 

XXXX XXXX XXXX Account number XXXX - HAS VIOLATED MY RIGHTS 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions DEPT OF ED/XXXX. Posted XXXX on XXXX Account number XXXX - HAS VIOLATED MY RIGHTS 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX Account number XXXX - HAS VIOLATED MY RIGHTS 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

ive sent multiple letters to remove this 7 years and 6 month year old charge off account with a balance. on XXXX and XXXX XXXX  XXXX XXXX, Account Number : XXXX this account is a charge off with a balance of {$550.00}. A charge off means XXXX  XXXX XXXX  has written it off already and has been paid. It is inaccurate for there to be a past due balance if it is a charge off.Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 168li ( 5 ) this accounts in violation not reporting 100 % accurate. Another reason you must delete. 
Also this charge account was opened XXXX XXXX, XXXX, that was more than 7 years ago this means the charge off by law must be deleted. 
Also I respectfully Contacted XXXX XXXX XXXX and requested to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature.They have not been able to provide such proof to me therefore you are reporting misleading false accounts.This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 14 days prior I was not. I can only validate this debt. I do not wish to validate this debt. The item must be deleted from the report expeditiously. I have listed over 5 consumer laws you are violating.. 

also there is unauthorized inquires on my reporting that i did not give permissible purpose for and most be deleted. 
XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX  ( Bank ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX  ( Bank ) XX/XX/XXXX XXXX  XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I attempted to sign up for online access to credit information with the credit bureau Equifax. Even though I entered all information correctly, Equifax denied access and stated that " for verification, I would need a verification code by mail '' to access my information. I requested and received this code on XX/XX/2021, then entered it online and successfully set up an online username and password. I received confirmation about the successful set up of the online account. However, due to some technical issue or Equifax 's extreme incompetence - or both - when I enter the information, I get a screen that states " Please try again later ''. This has been going on consistently for over two months. Equifax stated that if any issues occur, I can contact their customer service at XXXX. I sent three e-mails without response. Finally, on XX/XX/2021 I sent a paper letter to Equifax by mail, demanding a solution. This was also not answered. End result - I have a valid username and password but no access and no explanation or help of any kind.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called TransUnion XX/XX/XXXX, to investigate and remove the following inquiries XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX they refuse when were very disrespectful
Product: Mortgage

I am sumiting this complaint on my mother morgage with Banco Popular de Puerto Rico ( BPPR ), she pass away on  XX/XX/XXXX  i am the sole surviving son and executor of her last will and testament my residence is in NYC USA payments where miss and on a visit to PR for house maintanance discover Court papers to procede with sentence on the auction of the property, got in contact with the Lawyers that submitted the testament for advice and hire them for representation in PR, and temporarily has stopped the process.Since that time numerous attemps to reach an agreement or accomodation has not been offer or not even answer, from the begining i have stated that im willing to continue payments on the morgage my bank (   XXXX   ) send two checks {$2000.00}, {$220.00} to cover until  XX/XX/XXXX they proceeded to refund those checks on behalf on my deceased Mother to the address of the residence which is uninhabited by regular mail, in my view completely inproper and close to " mail fraud '', i don`t earn enough and have no collateral, meanwhile the days keep passing, lawyers continue billining and ( BPPR ) continues sending account statements but don`t allow to update the account
Product: Credit reporting, credit repair services, or other personal consumer reports

From 2010 to present credit services such as XXXX XXXX, XXXX XXXX, XXXX XXXX, is reporting my old accounts with Transunion, XXXX, and XXXX on my credit profiles as paid/zero and closed as open. This practice must stop and all the accounts must be deleted. These accounts should not be reported monthly. This fraudulent activity and unfair. XXXX XXXX XXXX XXXX XXXX XXXX  my opportunities for a financial breakthrough with a bank or credit permanently hinders because the fico score, vintage scores and scoring symptoms will not increase but surly to continue decreasing thus keeping my credit in a derogatory and negative status along giving future creditors negative reports on my credit profile.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this complaint about XXXX credit reporting agency and  transunion credit reporting agency. I have been disputing an account XXXX XXXX XXXX for months now. XXXX finally deleted it off my credit report today. It is an account that has fraudulent charges that I had reported. This account does not belong reporting on my credit report and transunion and XXXX are still not deleting it off my credit report.