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

Per the Fair Credit Reporting Act ( FCRA ), the list of accounts/promotional inquiries below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

1.Creditor : XXXX  XXXX XXXX XXXX Inquiry Type : Promotional Date of Inquiry : XX/XX/XXXX/XXXX  2. Creditor : XXXX  XXXX Inquiry Type : Promotional Date of Inquiry : XX/XX/XXXXXXXX  3. Creditor : XXXX  XXXX Inquiry Type : Promotional Date of Inquiry : XX/XX/XXXXXXXX  4. Creditor : XXXX  XXXX Inquiry Type : Promotional Date of Inquiry : XX/XX/XXXXXXXX  5. Creditor : XXXX  XXXX Inquiry Type : Promotional Date of Inquiry : XX/XX/XXXXXXXX  6. Creditor : XXXX XXXX XXXX Inquiry Type : Promotional Date of Inquiry : XX/XX/XXXXXXXX  7. Creditor : XXXX  XXXX XXXX  Inquiry Type : Promotional Date of Inquiries : XXXX/XXXX/XXXX, XX/XX/XXXXXXXX, XX/XX/XXXXXXXX, XX/XX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX  and XX/XX/XXXX/XXXX  8. Creditor : XXXX Inquiry Type : Promotional Date of Inquiry : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX 15 U.S.C 1681 Section 602 ( A ) States I have a right to privacy.

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

15 U.S.C 1681 ( c ) Section 605 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 for crimes which antedates the report by more than several years.

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

Dear Monterey Financial Services, I am writing to address a concerning matter regarding the status of my pending check, which has been the subject of repeated inquiries and complaints. 

Most recently, I received an email from XXXX at your organization, to which I promptly responded, reiterating my ongoing issue of not receiving my check. However, despite my immediate reply, it seems there has been a misunderstanding or miscommunication, as I have yet to receive any resolution. 

This marks the third instance in which I have had to raise a complaint regarding the non-delivery of my check, and it is disheartening to find myself in this situation once again. Furthermore, I am deeply troubled by what appears to be misinformation or dishonesty on the part of your representatives, as I have screenshots clearly indicating my responses and inquiries. 

I want to emphasize that I have diligently followed up on this matter, and I have not received any documentation indicating that I opted out of receiving phone calls or that there were any issues with my request. My only desire is to receive the funds owed to me promptly and without further delay. 

I implore you to rectify this situation immediately and expedite the issuance of my check. Failure to resolve this matter satisfactorily will compel me to escalate my concerns to the Consumer Financial Protection Bureau ( CFPB ). 

I sincerely hope that we can resolve this matter swiftly and amicably, without the need for further escalation. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I've reviewed my Consumer report and noticed that there was inaccurate accounts on my credit report. I've received an entire report with a totally different name. The credit reporting agency notified me that they've done an investigation which is not true because the reporting is not my name. 
Account XXXX XXXX Account XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with maximum Accuracy I've contacted XXXX and asked them to investigate and remove the inaccurate accounts from my consumer report that they are reporting and I've requested specifically the alleged original application bearing my signature that they have not been able to provide such proof to me The law states If after any reinvestigation under paragraph 1 if any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall promptly delete that item of information from the file of the consumer
Product: Credit reporting, credit repair services, or other personal consumer reports

I attempted to open an account with XXXX XXXX as my fianc is a member ; however, I was denied stating my reputation had been tarnished by a previous bank. So, I ordered my ChexSystems report and found an account reporting by XXXX XXXX XXXX XXXX XXXX for {$1100.00}. I have no knowledge of this debt. The last time I used XXXX was before I was XXXX  to a XXXX  XXXX. However, prior to going to XXXX, my account was NEVER delinquent, and I made sure of that. I Received a refund check from the State of Georgia for stolen property by the XXXX. I deposited the check into my account, adding to the existing balance to total more than {$2000.00}. I had a rental for a few weeks, so the cost was exceeding ( {$1100.00} ) however, I knew my account would cover it. After I deposited the check, I never had a chance to check my account account again because shortly after, I was XXXX. From XXXX, I went to XXXX  for three years. So, if there were any discrepancies with the account, I HAD NO KNOWLEDGE. When I got out of XXXX, all the mail had accumulated at my mothers home. None of the mail was from XXXX XXXX about a past due balance.
Product: Mortgage

My mortgage was recently sold to Carrington Bank. I created an account on their website so that I could make a payment. Company charges a fee to pay either online or via telephone. Is there some sort of rule against this? In this day in age everything is paid online.
Product: Credit reporting or other personal consumer reports

This is the 2nd endeavor I've complained about being a victim of identity theft. You must remove/block any items that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
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: Credit reporting or other personal consumer reports

On or about XX/XX/XXXX, I received a denied letter for approval of refinancing my auto loan with XXXX XXXX XXXX XXXX, I applied for on or about XX/XX/XXXX, at which time XXXX  XXXX approved me. The XXXX XXXX representative told me over the phone verification of my payoff and issuance of check to my credit union, the auto lienholder, is the last step. I decided to keep the loan with my credit union ( XXXX XXXX XXXX XXXX XXXX ), and : 1. I do have proof of auto refinance loan approval from XXXX XXXX XXXX XXXX. 
2. The denied approval, contrary to the approval, and hard inquiry negatively impacted my credit score lowering it.

3. I believe the time period is unacceptable to receive a denied approval letter on XX/XX/XXXX, from XX/XX/XXXX, the date ( over 30 days ) I applied for the auto refinancing loan. 
4. I submitted my claim first with CFPB, because XXXX XXXX XXXX XXXX does not have online complaint reporting, only mailing or faxing that I find unacceptable as well as shown below : Dispute with XXXX  XXXX Please include the following information in the dispute letter you send to us : Please send your dispute and supporting materials directly to us : Auto loan-related issues : Credit Bureau Dispute XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX recommend downloading and completing our Auto Loan Credit Bureau Dispute Form and providing all the relevant information that explains your situation. Return the completed form to the po box address for Auto loan-related issues.

If you believe you may be a victim of fraud, including identity the, please call us at XXXX. 

Return the completed enclosed form and supporting documents by fax to XXXX, ATTN : Credit Bureau Dispute, or by mail to : ATTN : XXXX Credit Bureau Dispute XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX If you have questions or need more information, call us at XXXX. Were available Monday to Friday, XXXX XXXX to XXXX XXXX XXXX. 
Sincerely, XXXX XXXX XXXX XXXX I appreciate your help with looking into this situation. 

Best regards, XXXX XXXX XXXX XXXX, XXXX, XXXX
Product: Mortgage

I have never been this stressed out and upset with a process, it is absolutely unacceptable that my income is not being used even though Im providing proof of my income. It has been difficult to contact the specialist from Fay Servicing on my case which is XXXX XXXX. I have an organization helping me and they have not had any luck contacting her either. I have gone to the office of the people helping me and when they call Fay Servicing XXXX XXXX is either out of the office, or she has the flu or she is on another call. I ask for them to send her an email to call me or the organization helping me and they have not. XXXX XXXX supervisor has not contacted us either. The reason for all of this is because I want to know why for the third time they are not using my correct income. One of the times I was denied was due to me not circling my rent deposits on my bank statments as stated by XXXX XXXX. How absurd is this? Now I circled my rent on my bank statements and I sent everything over and they denied me for having low income. When I called in and asked what was the verified income they used to review my case I was informed by another Fay Servicing agent that the income used was {$1300.00} of course I am going to get denied because I dont receive this in rent. I receive more than {$6000.00} in rents. They are still not using the correct income. I dont want my home to sell and its become so stressful I have ended up in the hospital.
Product: Checking or savings account

My account was closed unexpectedly without explanation. My funds were in my account and I was denied them for months also with no explanation, and I was unsure if I was even given my correct amount that was in the account.
Product: Debt collection

This company place this on my credit report and disputed it and call them and sent them a letter asking them to send me proof that this is debt belongs to me which they have not. I know they received the letter because I mail it certified on XXXX XXXX,2017 and they received it XXXX XXXX, 2017. plus I gave them 30 day to reply which they have not, so I am filing a complaint with you to have them provide what I have requested or have them remove it off my report.
Product: Credit card

I received an offer from Chase XXXX Mileage Plus explorer card that offered XXXX " free '' miles after spending {$3000.00} in the first three months. The problem is that I use the internet link to apply and it only offers XXXX miles. I called customer service and they said they were unable to help. They suggested applying and the calling back to get a " premium match ''. I 'm not interested in calling back and begging for the miles.
Product: Credit reporting or other personal consumer reports

RE : XXXX  Block Request To whom it may concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
XXXX XXXX XXXX {$65000.00} XXXX XXXX XXXX {$9900.00} XXXX XXXX XXXX {$13000.00} XXXX {$9900.00} XXXX XXXX XXXX XXXXXXXX {$1000.00} XXXX XXXX XXXX XXXXXXXX {$1600.00} XXXXXXXX XXXX XXXXXXXX XXXX {$7100.00} XXXX XXXX XXXX  Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX  Original creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX creditor : XXXX XXXX XXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX creditor : XXXX XXXX XXXX XXXX XXXX Original XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXX XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX Original XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original XXXX : XXXX XXXX XXXX XXXX XXXX XXXX Original XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original XXXX XXXX XXXX XXXX XXXX XXXX Please block this information from my credit report within XXXX business days XXXX pursuant to section 605C of the Fair Credit Reporting Act. 
Please send me notification of the actions taken. I appreciate your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm writing to express my disagreement with the existence of several entries on my credit report that I consider to be fake. Although I've challenged these issues in the past, my credit report still has them. In compliance with Fair Credit Reporting Act ( FCRA ) Section 605b, I demand that these items be deleted right away. You are aware that under the terms of FCRA Section 605b, any information that is untrue, incomplete, or impossible to verify must be promptly deleted from a person 's credit file. The items in question are fake and do not accurately reflect my credit history, so I think they fit under this category. I ask that you take away the following things : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$0.00} XXXX Inquiry : XX/XX/XXXXXXXX XXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX. I have contacted the creditors and filed police complaints, among other actions, to dispute these matters with the appropriate persons. But despite my best attempts, these things are still listed on my credit record. I ask that you look into this issue more thoroughly and delete these false entries from my credit report as soon as you can.
Product: Credit card or prepaid card

On XX/XX/XXXX, I noticed that despite being signed up for online bill pay, my balance did not seem to be going down. I receive two emails from Bank of America, one notifying me of an upcoming payment and another email mid-month notifying me that a payment is due. I have been on auto-pay since XXXX. I logged into my account and was shocked to see that I had been charged {$38.00} dollars in late fees and had been for some time. Because I had signed up for paperless billing, I had not been notified in writing or email of any late payments or fees. In fact, in the only other email that the company sends to me on a monthly basis ( the first is notification of an upcoming bill ) it states in bold, '' No action is required if your payment has been scheduled. '' I contacted the company today to inquire about late fees. They let me know that since the payment was scheduled 1 day after the payment due date, I had been receiving late fees since XXXX, when a change was made to my autopay account. After spending 30 minutes on the phone I was able to get refunded 3 months of late fees but I have been overbilled a total of {$720.00}. I would like as close to the full amount refunded seeing that I have never been notified of any late fees and the only email notification I receive states in bold that no action is required. Please help me. I have made every payment ( with extra ) since XXXX.
Product: Credit reporting or other personal consumer reports

I disputed a collection that does not belong to me on XX/XX/year> with Equifax. I received an alert that the dispute was complete on XX/XX/year> and the results were updated and verified. I have not received any proof or validation of debt from Equifax or the collection agency. However, the updated information is not accurate, if this was truly investigates. Please explain how there is a delinquent date, but not a last payment date. How is this accurate and verified information?
Product: Debt collection

I owed credit card debt which I stopped paying in XXXX when the pandemic hit, and the schools were closed so I couldn't work. I sent letters to all creditors advising them of my work status and requesting a forbearance until I could return to work. Most credit card companies responded that I could pay them 55 % of the total amount owed and they would close the account. XXXX did not respond. I sent another letter requesting their support. Instead, they sent the account to collection. 

At that time, I was suffering from eye problems and had to have XXXX  XXXX on both XXXX  in the summer of XXXX. The collections ' attorney filed a court claim. I filed an objection believing a court date would be set and I would be able to present my case. 

The collection agency filed another court claim and again I responded in writing. Then I played an online lottery game ( Michigan Lottery ) and luckily won {$1000.00}. 

I was advised by the Michigan Lottery that it was holding the funds due to my being garnished by the collection agency and I had a month to respond or my winnings would be sent to the collection agency. 

My problem is I had no knowledge of a garnishment, no official word of the same, no official documents sent to me.
Product: Credit reporting or other personal consumer reports

I contacted Equifax because my score suddenly dropped XXXX points and I asked them and they told me that they can not give me an answer about my credit, because they are not financiers. When I asked who I was talking to, they told me that they couldn't give me that information either, like We do have to give them date of birth, address, social security but they don't and they don't have an employee number either? 
So I hung up and went to the page and made the disputes about what I believe is wrong with my credit and also my name is wrong and I sent them a copy of my driver license with my new address and they did not change it. They answered me that everything was correct the same day. How is it possible and how is it possible that my score has dropped XXXX points in one day. The other 3 bureaus have a high score and when I review the information and compare I don't have anything new or different that has led it to that point. I feel discriminated.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. 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 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 my 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. 


XXXX XXXX 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, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  XXXX, Account # XXXX, has violated my rights. 15 U.S.C Section 602 A.

States I have the right to privacy. 15 U.S.C Section 602 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

Experian credit reporting agency please delete XXXX  account from my Experian credit report please delete XXXX XXXX XXXX XXXX please delete from my XXXX  credit report I have proof for all the incorrect information on my Experian and XXXX  credit report here is all your proof all three Credit bureaus have to report the same way across all three credit reports and they are not doing the right thing please delete
Product: Debt collection

Hi, XXXX XXXX  XXXX has breached my daughters information through a mass email over 6 months ago. I have a balance due of XXXX and another balance of XXXX or so. XXXX XXXX  XXXX is misrepresenting the collection of thee XXXX because the services were rendered by a XXXX XXXXt who has not been paid for her services by XXXX XXXX  XXXX. Therefore, they are collecting money under false pretenses. 

The other issue is the practices in which the collection agency is trying to collect debt. They have called and I explained that I needed 30-days, but now because of the nature of the collection and the absences of who is to collect on theses eservices, XXXX XXXX XXXX needs to explain.