23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

From last XXXX to now, I have not received the funds in the closed account for more than half a year. The reason is that I was informed by chase that my account was closed last XXXX. During this period, I went to chase offline bank for several inquiries without success. The offline bank said that they did not know how the money would be sent to me in the form of check. I tried to give the bank officer the number I was given to inquire about it, but it was still fruitless. As a XXXX XXXX, I really need this money for XXXX  and living expenses. I can't think of any other way to ask the bank to give me the money back.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 months that are reported late 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Student loan

I have tried for months to get my monthly private student loan payment through Citibank lowered. I have explained I am not working and have not been working for over a year and unemployment ran out. They agreed to let me defer one month ( because they said that 's all I had available to me XXXX. They have called me at all hours of the day and night, sometimes 5 times a day if my payment is late. When I ask for help they have told me time and time again that they can not do anything and it will just have to go to collections and I can just deal with them. They have no compassion, no understanding and could care less that I am not working ... they asked me how I plan to pay my monthly payment and I told them I will have to start selling my personal property and their response was well you have to do what you have to do. I have never been more disappointed in my life with a financial institution. I am just asking for my payment to be lowered, I am not asking them to pardon me from paying back my debt. I went to the University XXXX XXXX online and completed my XXXX Degree.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. XXXX XXXX XXXXXXXX XXXX XXXX  XXXX, XXXX XXXX, GA, XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA, XXXX XXXX XXXX XXXX, XXXX, CA, XXXX XXXX XXXX XXXX  XXXX XXXX, CA, XXXX XXXXXXXX XXXX XXXX XXXX, GA, XXXX XXXX XXXX XXXX XXXX XXXX, CA, XXXX XXXX XXXX XXXX, XXXX, CA, XXXX XXXX XXXX XXXX BALANCED {$1100.00} XXXX XXXX XXXX XXXXXXXX XXXX BALANCED {$0.00} XXXX XXXX XXXX BALANCED {$0.00} XXXX XXXXXXXX XXXX  XXXX XXXX XXXX {$4200.00} XXXX XXXX XXXX BALANCED {$1700.00} XXXX XXXX BALANCED {$870.00} XXXX XXXX XXXX BALANCED {$0.00} XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX. I was out the state working. My identity was stolen from an individual, XXXX XXXX. Who made this transaction. He XXXX  a few years ago. I wasnt aware that this account was used without my consent, knowledge, and authorization. The company refuse to acknowledge my request of identity theft.
Product: Debt collection

I received a notice of debt from XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX, which indicated that I should make a payment to Credit Collections USA. They did not provide a clear reference number for my debt and after going to the website listed XXXX XXXX XXXX, the reference number was also not listed in the space the website said it should be ( upper right hand corner under my address ). Furthermore, they did not provide an account number of the original creditor, did not provide the full name of the original creditor, did not provide and itemization of the debt, and did not inform me of my rights to dispute the debt and ask for more information. 

I have sent a letter to them asking for the above information and am awaiting a reply back.
Product: Credit card or prepaid card

Someone attempted to open a capital one credit card in my name and it was declined. However, the hard inquiry is on all 3 of my credit reports. I have notified all the bureaus and put a freeze on all my accounts
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking of the erroneous information which is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
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 XXXXXX/XX/XXXX According to FCRA Section 605B ( a ) , the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Mortgage

I have a loan with Amerihome Mortgage Company with escrow for insurance and taxes. My insurance was expiring on XXXX XX/XX/2021 and the mortage company did not make the payment on time. After repeated follwups from the company i have not been able to trace the payment to the insurance company but the escrow statement shows that the amount was deducted from my account. I have since changed my insurance company to continue my coverage but the mortgager is still not able to track the payment. I have tried to reach them by phone as well as online messages but to no avail. 
I recieved a mail from the company about forcing me to buy a force place insurance at a exceptionally high cost. 
I dont understand if i am signed up for escrow account and they failed to make payment on time then how are they forcing me for force plan insurance. 
I feel at a loss for this poor management. I have since read about several complaints about the mortgagor in onilne forums about them being negligant towards escrow payment. 
I have also requested the mortagor to cancel my escrow account so that i can manage it going forward.
Product: Bank account or service

I was informed by XXXX XXXX XXXX XXXX I had been given a high risk status by Suntrust Bank. I have never been a customer of Suntrust Bank. I am concerned that this has been reported and is not accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested by letter for Experian, XXXX and XXXX to validate the missed payment on XXXX accounts with the Office of Attorney General. I received a response by email from Experian and by mail from XXXX and XXXX by mail. That the accounts were verified as correctly reporting. All XXXX credit bureaus reports are inconsistent showing sever missed payment on XXXX case XXXX has reported XXXX payments being missed. While XXXX reporting XXXX missed payments and no other data received. Experian reports has a XXXX days pass due since XX/XX/2021 and all three agencies reporting different amount owed. The same inconsistency is report on the other XXXX cases with the XXXX office. I haven't received any documentation supporting their findings from the investigation. I had miss work and went to the XXXX office for a print out of my payment history there was no missed payment due to the payment is being garnished from my pay check. I don't know how Experian, XXXX XXXX and XXXX received the information I was told at the XXXX office that they don't give out this information over the telephone without proper identification. Must be in person or a legal representative for the custodial or noncustodial parent in the case.
Product: Credit reporting or other personal consumer reports

It has been a battle going through this and I am submitting this complaint to delete the following fraudulent items in my file that are reporting on Experian Credit Bureau. I am a victim of identity theft and did not make the charge or the accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX  XXXX XXXX, XXXX XXXX  XXXX showing on my credit report. I therefore request that you immediately remove these items from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX DOB : XX/XX/year>XXXX  XXXX : XXXX XXXX XXXX, XXXX, GA XXXX RE XXXX Unauthorized Collection The purpose of my letter is to dispute the following collection that is wrong and unauthorized. Please remove it from my XXXX credit report as soon as possible and confirm receipt of this letter. I have never given my permission to report this information on my report, no consent is fraud, which is in clear violation of 12 CFR 1006,34 ( d ) and 15 USC 1681-S29 ( 7 ) ( A ). 


Original Creditor- Comenity Capital Bank XXXX XXXX XXXXXXXX XXXX XXXX XXXX  Total- {$240.00}
Product: Payday loan, title loan, personal loan, or advance loan

Starting off XX/XX/year> borrowing {$XXXX} from a limit of {$XXXX} been borrowing till I got to {$XXXX} I have been paying up to {$XXXX} a month all they take off is $ XXXX $ XXXX $ XXXX $ XXXX $ XXXX $ XXXX $ XXXX $ XXXX $ XXXX $ XXXX {$XXXX} I didnt realize what I signed up for but Im getting burnt big time Please help me
Product: Credit card or prepaid card

I purchase a gift card from a XXXX XXXX store On XX/XX/XXXX. 
I loaded the card XXXX usd. 
I paid with my credit card a total including activation fee of XXXX usd. 
I have been charged on my credit card as it showes on the receipt as well and my credit card bank statement The gift card is not working. And when I called the number on the back of the gift card ( XXXX ) they asked me to send ( to XXXX ) the receipt, back and front pictures of the gift card which I did. After a fee weeks they replied to me saying that they can't help me. I called so.many times and they put me on hold and never get back to me.
Product: Credit reporting or other personal consumer reports

I did not provide authorization or consent for this inquiry, and I am concerned about the impact it may have on my credit score. 

Under the Fair Credit Reporting Act ( FCRA ), only inquiries with proper authorization should be included in a consumers credit file. As I did not authorize this inquiry, I am requesting that you immediately remove it from my credit report. 

Please provide written confirmation of the removal of this inquiry. If you require any additional information from me to complete this investigation, feel free to reach me at the contact information provided above. 

Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXXXXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXXXXXX XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
4. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
5. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
6. XXXX XXXXXXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
7. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX on XX/XX/XXXX ( Reported Identity Theft )
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - {$1200.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
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: Payday loan, title loan, or personal loan

I have a had XXXX XXXX XXXX since XXXX. I paid it off in XXXX and was sent the vehicle title. My wife and I moved 2 years ago and I can not locate the original title. 
I sent in the form for a replacement title to the Treasurer of XXXX County Iowa along with a check for {$25.00}. I received a letter back saying that there was an open lien with ( Wells Fargo Financial XXXX XXXX XXXX ) and they would need to release the lien. 
I tried to contact Wells Fargo and when I did I was told that Wells Fargo Financial didn't exist anymore it was now part of Wells Fargo. They Transferred me to Wells Fargo XXXX which is also being absorbed by Wells Fargo. When I supplied them with my information ie my SSN I was told they had no record of me in their system. They transferred me back to Wells Fargo customer service. No body there cold help and I was told to go into a local branch to see if someone there could assist me? I tried to set up a meeting online per their guidelines. I was given a number of drop down options as to what my meeting was about but non of them matched the topic. So I had to click on ( other ) which took me back to the same customer service number I originally called. I've gone through this several times and keep getting the same result. I don't feel like anyone at Wells Fargo is very interested in helping me resolve this issue for a 22 year old vehicle? 

No lien shows in any of my credit reports. I paid for a car history report and it shows the transfer of title to me in XXXX and no active lien on the vehicle I'm not sure what else I can do? 
I have someone who wants to purchase the vehicle, but I need a replacement title before I sell. 

I can provide the car history report if you would like to see this? The VIN on the car is : XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App due to an adequate customer service and unfair practices, which violate the consumer financial protection act ( CFPA ) specifically, Cash App failed to take timely and effective measures to prevent an address broad on their platform, leaving my account, vulnerable and unprotected. Furthermore, they dispute resolution process was unfair and deceptive, as they did not comply with air resolution requirements under the electronic fund, transfer act and regulation E. these actions have caused significant inconvenience and financial loss, and I seek appropriate dress for the violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I see there are 12 student loans on my credit report with all 3 credit bureaus XXXX, Equifax, and XXXX server of the loans XXXX. I only hold 6 discharged loans all with XXXX in which I have a contacted XXXX and all 3 credit bureaus filing disputes about the loans for several months they say they are accurate and they arent as I said I hold 6 loans with XXXX from from XXXX, and XXXX all discharged in XXXX then so how they say the loans went into default how when they were discharged in XXXX then in XXXX they reinstated the original 6 loans from XXXX and put them on my credit as new loans in XXXX as if I have 12 loans though all 12 loans have XXXX balance I dont hold 12 loans I only hold 6 I have asked XXXX to remove the duplicate loans from all 3 bureaus over the past couple of months they refuse and I also dispute with all 3 credit bureaus and sent my letter from XXXX I only hold 6 loans
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau ( CFPB ), I am writing to formally request the removal of unauthorized credit inquiries that appear on my credit reports with Experian and XXXX. 

The following inquiries were not authorized by me : Processed Date : XX/XX/year> Inquirer Name : XXXX XXXX Processed Date : XX/XX/year> Inquirer Name : XXXXXXXX XXXX XXXX I did not apply for credit with these companies or provide consent for these inquiries to be made. These unauthorized inquiries have negatively impacted my credit score and my ability to access credit under fair conditions. 

I request an investigation into these inquiries and their removal from my credit reports. Additionally, I ask for a copy of the investigation results for my records. 

For your review, I have attached a copy of my identification and the credit reports highlighting the inquiries in question. 

Thank you for addressing this matter promptly. Please feel free to contact me if further information is required.
Product: Student loan

Docu Prep Xpress reached out to me and stated they were a company who helps with forgiveness. I made approximately 3 months of payments of {$190.00} to come and find out as of today that they dont actually help with student loans. The company explained that I would make payments to them and after a certain amount Paid that they would take care of the whole matter
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX
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 : # XXXXXXXX XXXX XXXX : # XXXX, 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: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. Here is the item I am asking you to verify as accurate. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

Company : Hyundai Motor Finance ( XXXX ) XXXX, XXXX XXXXXXXX XXXX Auto accident on XX/XX/XXXX, total loss. On XX/XX/XXXX Hyundai Motor Finance received {$3300.00} from Hyundai XXXX XXXX. On XX/XX/XXXX received {$25000.00} from XXXX XXXX XXXX. On XX/XX/XXXX received {$8500.00} from GAP Benefits. The last payment had the auto pain in full with an overpayment of {$3300.00} that was to be refunded to me. I called several times, to include today XX/XX/XXXX about my refund, every time it was a different story. Today the said that the overpayment was going to go back to GAP, I spoke to GAP many times and the last conversation they stated that the overpayment needed to go to me. This company has always had a different answer to all my calls, they keep telling me changes, but no proof of policies that dictated what they were telling me. I feel that I am getting the runaround, I was told that I should be getting the refund in 10 to 14 days, now it has been 45 days.