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

On XX/XX/XXXX, a payment was scheduled in the amount of {$450.00} of which I was informed that as long as the payment was made before XX/XX/XXXX at that point, nothing would happen to my account. Well, yesterday, I cancelled that payment that was to be taken out on Thursday, XX/XX/XXXX, and scheduled it to be taken out on XXXX XXXX, 2017 ( a day earlier ) of which it is currently processing. American Express, however, suspended my charging capabilities on Thursday, XX/XX/XXXX, with the understanding that the payment would go through on XX/XX/XXXX. <P/>Everything they 've told me over the phone contradicts the actions behind what has happened with my account. I 'm very frustrated with this company at this point. When I ask for the ID of the individuals I 'm speaking with, they refuse to give me that information and act very suspicious about giving me any information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have never been late on this account. I never made a late payment to this company ever please change this, i have a good relationship with this company Delete the late payments on XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am contacting you because you claimed to have completed a reasonable investigation with the furnisher of information and verified the account listed below as reporting 100 % accurate. However, these accounts is STILL inaccurate and your company is STILL continuing to report errors on my credit file, which is causing damage to my credit profile and score. 


Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have previously requested that you investigate this information above and you have failed to correct the errors you are reporting on my credit report. Now is not the time to update, I demand that you IMMEDIATELY DELETE this inaccurate information from my credit report. 

Account name : XXXX XXXX XXXX XXXX XXXX XXXX The account number above have previously requested that you investigate this information and you have failedto correct the errors you are reporting on my credit report. Now is not the time to update, I demandthat you IMMEDIATELY DELETE this inaccurate information from my credit report. 


Account name : XXXX XXXX XXXX XXXX XXXX XXXX The account number above have previously requested thatyouinvestigatethis information and you have failedto correct the errors you are reporting on my credit report. Now is not the time to update, I demandthat you IMMEDIATELY DELETE this inaccurate information from mycredit report. 


Account name : XXXX XXXX XXXX XXXX XXXX The account number above have previously requested thatyouinvestigatethis information and you have failedto correct the errors you are reporting on my credit report. Now is not the time to update, I demandthat you IMMEDIATELY DELETE this inaccurate information from mycredit report. 

In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right so 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.

i did not give anyone written instructions.

15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

Also the credit bureau took more then 30 days to complete my investigation here is my certified mail tracking # XXXX made a complaint to my attorney general : Intake # XXXX Made a complaint to the XXXX XXXX XXXX XXXX XXXX XXXX  : case number XXXX Made a complaint to the federal trade commission ( FTC ) : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is knowing and willfully report inaccurate information on my report causing me emotional stress and stated they would remove on the cfpb portal but continues to report it causing me harm and defaming my charter. They were told on XX/XX/21 in writing this is identity theft I never gave anyone written permission or verbal to share my private transaction to make a profit off me. Its there grave responsibility to make sure they investigate transactions before they report on my consumer report and failed to do so! Pursuant to the FCRA, providing inaccurate financial information to credit reporting agencies is illegal.
Product: Debt collection

Received a notice from Medical Revenue Service dated XXXX, received received XXXX for an {$140.00} medical bill balance, was advised in letter to dispute contact office in 30 days. I sent Medical Revenue Service a certified letter that was delivered XX/XX/XXXX, asking them to validate the debt. I was notified XX/XX/XXXX, the {$140.00} debt had been placed in collections on my XXXX  credit report, under a different company name XXXX XXXX XXXX.I have never received any information Not only did this company not validate the debt they also, didn't allow me time to even pay once the validated. And reported under a different company name that I as the consumer was unfamiliar with
Product: Checking or savings account

I have contacted Capital One Bank about a claim for XXXX XXXX. I sent them all the. 
supporting documents needed and I did not receive a provisional credit and I had to submit the claim more than once. It was denied and I was told to deal with the merchant. I am disappointed with the service and would like my reinbursement of XXXX from XX/XX/2021. Also i submitted my first claim 6 months ago.
Product: Credit reporting or other personal consumer reports

" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such.

Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry.

Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit. 
Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report. 
XXXX Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor.

Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry.

Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process.

Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ).

"
Product: Credit card

Today, XX/XX/year>, a credit card was opened in my name with Capital One. I did not authorize this and do not have any accounts with Capital One.
Product: Credit reporting or other personal consumer reports

I want to bring to your attention that The Exchange XXXX XXXX has repeatedly reported inaccurate information, which violates state and federal laws and has negatively impacted my credit. This has happened for the third time. Each time, I have had to file a complaint with XXXX to rectify the situation. Suddenly, they reported 33 late payments on my credit report, causing my credit score to drop by over XXXX points. I am currently in the process of buying a home, and this has significantly affected my plans. I have been making payments consistently for 5 years, with the amount deducted from my Social Security and paid directly to The Exchange. Even after I paid off the account at one point, they failed to report it accurately. The balance in 2020 was approximately $ XXXX, but it is now under {$600.00}. I have proof of statements and deductions from Social Security to support my claims. I have also sought legal representation from XXXX XXXX XXXX to file a complaint against The Exchange XXXX XXXX, XXXX, and XXXX XXXX
Product: Checking or savings account

I have been charged XXXX insufficient fees. Per their website, all of the transactions do not qualify for an insufficient fee. If something has changed, then they need to update their website ASAP. I will be getting money in my account by tomorrow morning to cover the negative balance. When people go below their balance, that means they are struggling financially. I oppose charging customers repeated fees punishing them for life circumstances out of their control. They are making it harder for me to catch my breath and get up to speed on my bills. I want the fees waived ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$5000.00}, {$1500.00}, {$4200.00}, {$0.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter.

In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNTS -- 1. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$5000.00} -This is not my account. 

2. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$1500.00} -This is not my account. 


-- AUTO ACCOUNTS -- 3. XXXX XXXX XXXX & with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4200.00} -This is not my account. 

4. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Product: Money transfer, virtual currency, or money service

Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they do not comply with error resolution requirement under the Electronic Fun Transfer Act and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit card or prepaid card

Im having problems paying my credit card with Comenity, now they are charging me late fees, even though they promised me I wont be having any. 
I have been calling them for weeks and no answers. 
My payment is {$100.00} dollars a month now is {$200.00}
Product: Credit card or prepaid card

discover card was open without my consent of the amount of {$1000.00} need this matter closed and be taken from my credit report
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. 
XXXX XXXX : # 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 15 U.S. C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

I am writing to express my dissatisfaction with the service provided by BB & T during the course of my application for and obtainment of a mortgage loan for my first home purchase. Specifically, I am making this complaint regarding the actions of XXXX XXXX, XXXX XXXX, and XXXX XXXX, all of whom worked on my loan application at various points. 

Please see attached a complete timeline of events that occurred between my initial inquiry on XXXX XXXX, 2015 and completion of the lending process on XXXX XXXX, 2015 - as well as my request for remedy based on the repeated errors and failures of BB & T.
Product: Mortgage

I have made a total of {$12000.00} in payments to M & T Bank in order to complete a loan modification. After making these series of payment my principal amount of mortgage went from {$300000.00} to XXXX with no accounting of the {$12000.00} worth of payments I made. I do not have confidence this was handle properly due to the COVID crisis and this being a VA loan. I am asking you for help to find out if this was handled properly. 

*Also, I do not believe my new escrow amount was calculated properly. I have two exemption benefits that total $ {$60000.00} homestead/Disability. I have been transferred to multiple different reps advising me they have calculated those exemption into my new escrow and several has said they do not see those exemption. I have notice most of these reps are working for home and are acting as such. They do not seem to be focused on their jobs cold transferring me to one rep to another having to rapidly ask the same questions over and over without getting finality
Product: Debt collection

On XX/XX/XXXX, XXXX from XXXX XXXX XXXX ( XXXX XXXX, NV ) called me regarding information regarding my mother stating there was a legal file to review ( I have the voicemail saved ). 
XXXX XXXX XXXX ( XXXX XXXX, NV ) Asked me to call XXXX I returned the call and XXXX answered the phone and shared my mother 's full name, address, date of birth with me before asking if she was speaking to the correct person. Further identifying that there was legal documentation/courier that was sending information regarding a civil suit. They then asked me to verify her social security number over the phone. I refused. She notified me that documentation would be mailed to the address she had confirmed earlier. 

I later found out that XXXX XXXX XXXX did the same thing and called my sister. They harassed my sister who lives in another city regarding this practice as well. XXXX XXXX XXXX began to harass me and my sister, on an alleged debt from XX/XX/XXXX or before that they believed occurred by my mother. 

This course of action inspired my mother to call this agency and after threats made to her about an alleged secured debt that incurred in early XX/XX/XXXX. To find out more information regarding this alleged debt, they tricked her into what she believes would restart the statute of limitations. 

These actions are completely ridiculous and should be actionable.
Product: Credit reporting, credit repair services, 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX, Equifax XXXX has violated my rights .

15 U.S.C. 1681 Section 602A states I have a right to privacy.

15 U.S.C. 1681 Section 604 ( a ) ( 2 ) states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681C. ( a ) ( 5 ) states no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report more than seven years.

15 U.S.C. 1681S ( a ) ( 1 ) states that a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

Equifax is reporting several outdated accounts on my credit report that exceed the seven-year reporting limit mandated by the Fair Credit Reporting Act ( FCRA ). Negative information, such as delinquencies or accounts in collections, must not be reported for more than seven years from the date of the first delinquency, as outlined in 15 U.S.C. 1681c.

The following accounts remain on my credit report despite being well past the permissible reporting period : XXXX XXXX  XXXX XXXX # XXXX : Opened XX/XX/XXXX, closed XX/XX/XXXX. 
XXXX XXXX XXXX XXXX # XXXX : Opened XX/XX/XXXX, closed XX/XX/XXXX. 
XXXX # XXXX : Opened XX/XX/XXXX, closed XX/XX/XXXX. 
XXXX XXXX XXXX XXXX  # XXXX : Opened XX/XX/XXXX, closed XX/XX/XXXX. 
XXXX XXXX XXXX XXXX  # XXXX : Opened XX/XX/XXXX, closed XX/XX/XXXX. 
These accounts are not only outdated but are causing harm to my creditworthiness by remaining on my credit report unlawfully. 

I have contacted Equifax to request the removal of these accounts but have not received a satisfactory resolution. Equifaxs failure to remove these accounts violates their

obligation under the FCRA to ensure the accuracy and timeliness of the information they report ( 15 U.S.C. 1681e ( b ) ). Desired Resolution : I am requesting the immediate removal of all the accounts listed above from my Equifax credit report and an updated credit report confirming these actions. If Equifax can not comply with this request, I ask for CFPB oversight to ensure compliance with federal law.
Product: Credit reporting, credit repair services, or other personal consumer reports

On  XXXX   XXXX , I discovered  XXXX   XXXX   XXXX   XXXX  was re-inserted onto my credit file. You are required to notify me within 5 days of re-inserting a previous deleted item. I did not receive a notification. Please delete this immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX ofXX/XX/XXXX I opened an account with XXXX XXXX XXXX, I was making my payments up until I came across finacial instability due to The COVID-19 Pandemic. I learned that under The CARES Act my rights were being violated in which no negative remarks should of been reported. Furthermore, I learned that The HEROES Act reinforces this and even more adds restrictions on reporting and debt collecting. I have already paid this account off but upon learning about The HEROES Act I realized it was a violation of my rights to be reported negatively and collected on during The COVID-19 pandemic. Now, that i have payed off this account I am still seeing that late payments are being reported and this is a violation of my rights under The HEROES Act.
Product: Credit reporting or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts 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 accounts and update them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Checking or savings account

On XX/XX/XXXX, I spent the afternoon managing my fairly new checking account with First Tech FCU. This included depositing checks through mobile app, attaching other financial products through ACH such as XXXX, etc. While at dinner that night, I got an email from an address called XXXX that read : " Due to deposit and/or withdrawal activity that has been deemed suspicious or fraudulent, your account ( s ) and all access including, but not limited to : online banking, shared branching, ATM/Debit card, P2P, etc. have been suspended. At this time your account activity is being reviewed by the Fraud Management department and account access will not be re-established. 

The final determination on your account ( s ) will be communicated, via letter, at the conclusion of our investigation which can take up to sixty ( 60 ) days to complete. Do not contact the Call Center or attempt to reach First Tech by other means, as no updates will be provided until the conclusion of our investigation. Please keep in mind that if there is any activity that results in a negative balance, your account ( s ) would be forwarded to our Collections department in XXXX XXXX XXXXt for further follow up. 

Please do not reply to this message. Replies to this message are routed to an unmonitored mailbox and/or deemed undeliverable. 

Fraud Management First Tech Federal Credit Union '' It has been three weeks, and I've contacted the Credit Union multiple times with zero answers just as the email has said. My direct deposit won't go into that account anymore. My credit cards and rent can not be paid using that checking account anymore. 

It is absurd that First Tech does not allow their Fraud Management department to be reached by consumers, as nearly every other financial institution will call you immediately to discuss anything suspicious or fraudulent in a heartbeat and resolve the situation fast. This policy is very anti-consumer, and can lead to financial disasters like what I'm experiencing now. While I have a little bit of money in another checking account with a different institution, the majority of my money is in First Tech. They are holding my money hostage with zero explanation and I need it to pay my bills and live my life!
Product: Credit reporting or other personal consumer reports

I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. XXXX XXXXXX/XX/year> The following inquiries were not and should not be reporting. 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. The accounts below have violated my rights. 15 U.S.C 1681 section 602A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( a ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.