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

On XX/XX/XXXX I contacted Equifax about the following negative accounts XXXX  XXXX XXXX ( Opened XX/XX/XXXX, Highest Balance {$20000.00} ), XXXX  - XXXX XXXX ( Opened XXXX XXXX, XXXX, Credit limit {$300.00} ). Its been over 45 days and Equifax havent respond to my request as they are required to by the Federal Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the customer service representative of the said account. XXXX  XXXX XXXX as this item was showing late payments on my credit report in violation of Federal Law. Under FCRA you are required to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct.
Product: Debt collection

I hope this letter finds you well. I am writing to bring to your attention a matter concerning my credit report with your bureau. Upon reviewing my credit report, I have noticed that there are late payments marked on my account, and I am writing to request their immediate removal. 
I understand the importance of maintaining a positive credit history, and I take full responsibility for any oversights that may have led to these late payments. However, I kindly request your understanding and consideration in removing these late payment entries from my credit report. 
XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX I believe that my overall credit history demonstrates responsible financial behaviour and I am committed to maintaining a positive credit profile. The presence of these late payments is impacting my credit score adversely, and I am eager to rectify this situation promptly. 
Please find attached supporting documents that provide additional context and clarification regarding the circumstances surrounding the late payments. I assure you that I am committed to ensuring timely payments moving forward. 
I kindly request that you conduct a thorough review of my credit report and take the necessary steps to remove the late payments at your earliest convenience. I understand that the accuracy of credit reports is crucial, and I trust that you will handle this matter with the utmost diligence.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello My name is XXXX XXXX XXXX, I am a victim of Identity Theft, I was part of the XXXX XXXX, My name, social, drivers license, emails, phone and 1 bank account was breached, the usps post master also stated mail forwarding was in place to several abandoned buildings. 

I went to the Sheriffs Office and filed a report with a Detective. I will attach everything to this email. The XXXX Fraud Specialist has confirmed with me the breach and has deleted the fraudulent accounts. 

XXXX and XXXX XXXX are battling for me against XXXX and XXXXGreensky . Both companies come back as " verified '' even though I have proof I was a victim of identity fraud. 

The 3 accounts with XXXX listed below and 2 accounts with XXXX XXXX listed below are hurting myself ad my family to obtain credit and is causing a great hardship. 

These 2 accounts need to be deleted and stop being reported to XXXX XXXX : XXXX ) XXXX/Greensky Account # XXXX XXXX XXXX XXXX. Fraudulently Opened on XX/XX/XXXX. ( Identity Theft! ). 

XXXX ) XXXX Account # XXXX XXXX XXXX XXXX. Fraudulently Opened on XX/XX/XXXX. ( Identity Theft! ). 

These three accounts are being reported too Experian : XXXX ) XXXX XXXX Account # XXXX XXXX XXXX XXXX. Fraudulently Opened on XX/XX/XXXX. ( Identity Theft! ). 

XXXX ) XXXX/Greensky Account # XXXX XXXX XXXX XXXX. Fraudulently Opened on XX/XX/XXXX. ( Identity Theft! ). 

XXXX ) XXXX Account # XXXX XXXX XXXX XXXX. Fraudulently Opened on XX/XX/XXXX. ( Identity Theft! ). 

Thank You XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

These accounts are not mine please remove immediately! 
-XXXX XXXX {$730.00} Opened - XX/XX/XXXX -XXXX XXXX  XXXX XXXX {$5200.00} Opened - XX/XX/XXXX -XXXX XXXX  XXXX XXXX {$24000.00} Opened - XX/XX/XXXX I never lived at this address please delete immediately! 
XXXX XXXX XXXX XXXX XXXX, IL XXXX 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of 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 after the date of receipt. It has been 30 days and you are in VIOLATION of this law because i am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S. Code 1681b - Permissible purposes of consumer report ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts list IMMEDIATELY!
Product: Credit card

I'm due XXXX Delta miles for using the XXXX AmEx. I spent over {$2500.00} to get the bonus air miles. XXXX AmEx is claiming that there was a warning page online claiming that I won't be getting the bonus miles, but I beg to differ. Please have the company provide proof that the application had the tagline.
Product: Credit reporting or other personal consumer reports

Citizens bank Account XXXX XXXX XXXX  is a result of a data breach and identity theft. This account is not mines.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received an e-mail notification from XXXX that there had been a " Hard Inquiry '' on my XXXX credit report dated XX/XX/2019. I contacted XXXX and explained to them that I have never done business with a company called " XXXX XXXX " and that I want the Hard Inquiry deleted from my XXXX credit report. XXXX told me I had to contact XXXX XXXX and get them a to write a letter to me, then I can take that letter and mail it to XXXX. I have never done business with XXXX XXXX and thus have no account with them to write a letter from. I tried calling the number listed for XXXX XXXX ( XXXX ) and it just rang with no answer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been submitting multiple letters from XX/XX/XXXX to XX/XX/XXXX with complete attachments of my personal information and credit reports. Nevertheless, the requests I have sent out were consciously denied and neglected which I considered being unprofessional on the Bureaus end. This will be my last attempt to request all documents to be provided and issued to me. Not fulfilling with my request should result to immediate removal of the unauthorized inquiries listed below : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX
Product: Debt collection

I wrote to you about Midland Credit and instead of making a written payment plan or agreeing to my previous letter. They responded by stating to call. I now have called 4 times. The last time I was on hold for nearly an hour with no one answering and each time I have called I have been on hold for 30 minutes or longer. I need help getting this company to comply by sending me a letter of resolution with a payment plan on both accounts or the agreement that I sent them in writing. Is there another agency that this can be elevated to. The behavior is deceptive by asking me to call and no one answering all week. Please let me know my options.
Product: Credit reporting or other personal consumer reports

On XX/XX/23 I sent a certified letter to TransUnion.Commission File Number XXXX XXXX XXXX XXXX XXXX, Illinois on the removal of of hard inquires on my credit report in accordance to 15 U.S.C. 6802-6805 Gramm-Leach-Bliley Act ( GLBA ), as well as correcting my personal information. As of yet these corrections have not been made and is impacting my consumer credit.
Product: Credit card or prepaid card

Since XX/XX/2016 the Bank charge me for almost eleven months : - XXXX XXXX   {$39.00} - XXXX  {$97.00} As a retired woman I programed my electronic monthly payments in {$70.00}. 
One day I received a letter that I was behind and my new payment increased to {$240.00}. 
For more than 4 months I talked to them back and forth, finally they response telling me that they can reimbursement only the last 3 months and that it is. So I started talking with the companies involved and they were agree to talk to the bank to reimbursement but the bank making adjustment as XXXX or XXXX, XXXX and XXXX I can not to follow them. 
The Bank did not want to decrease my debt in order to continue with my regular payment of {$70.00}. 
They insist to increase my monthly payment to XXXX so I closed my credit card and stop to make a payment and they continue with interest charge for purchases for {$51.00} monthly.
Product: Credit reporting or other personal consumer reports

I'M IN DISAGREEMENT WITH THE ACCOUNT LISTED BELOW WHICH STILL APPEARS ON MY CREDIT REPORT, EVEN AFTER YOUR INVESTIGATION. 
I WOULD LIKE THIS ITEM IMMEDIATELY RE-INVESTIGATED. THE INACCURACIES ARE HIGHLY INJURIOUS TO MY CREDIT SCORE ACCOUNT NAME- XX/XX/XXXX ACCOUNT NUMBER- XXXX IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT, PUBLIC LAW 91-506, TITLE VI, SECTION 611, PLEASE PROVIDE THE NAMES AND BUSINESS ADDRESSES OF EACH INDIVIDUAL WITH WHOM YOU VERIFIED THE ACCOUNT, SO THAT I MAY FOLLOW UP. PLEASE SEND ME AN UPDATED COPY OF MY CREDIT REPORT AFTER YOUR REINVESTIGATION.
Product: Credit reporting or other personal consumer reports

Speaking with XXXX XXXX XXXX XXXX XXXX Department at TRANSUNION whom promise accounts would be updated and removed from credit report. She admitted information was wrong and still stated the issue would taken care of. Reporting wrong information and not the full faith and credit is discrimation to me under 15 USC 1602. 
The CFPBs actions to secure a {$24.00} million payout for illegal debt collection practices demonstrate its robust role in enforcing consumer protection laws. Through rigorous investigation, legal action, and settlements, the CFPB seeks to remedy violations, deter future misconduct, and ensure that consumers are treated fairly and lawfully.
Product: Checking or savings account

I had my wife assist me in opening a Capital One 360 checking account under their promotion where I deposited {$1000.00} into the account within 60 days and they would give me {$400.00}. No where on the terms state that I must initiate the transfer from my outside bank TO them, just that the funds needed to be an ACH from an outside institution TO Capital One which total {$1000.00}. 
I did this, I initiated two {$500.00} transactions from my XXXX XXXX account To Capital One. I called to ask them why I did not see the promotion deposited. They claim I did not meet the terms of INITIATING the transfer from an outside bank to them, and send me the terms which I already had a copy of. I explained to them that when I had assistance from their rep opening the account, i could do a transfer fmoney between XXXX, XXXX, XXXX, an outside bank, or direct deposit and all of those would count as a deposit as long as it was an ACH and the total was {$1000.00} in 60 days. They did not state the transfer MUST be initiated from the outside source, just that the funds must come from the outside source to qualify. 
There terms were not clear and did not include this, now they are trying to withhold the {$400.00} bonus for opening an account with them although I met all other requirements according to them, but because I did not initiate the transfer from my outside institution to them they are withholding the bonus.
Product: Checking or savings account

on XXXX/XXXX/XXXX bank of America took the amount of {$460.00} from my account in reference to a claim I made against XXXX XXXX, on XXXX of XXXX I called XXXX XXXX to provide me internet and television services, which they consented upon arrival the technician said because of my location they will not be able to mount the XXXX because there will be no reception that means they can not provide me any services, the technician offered to mount my flat screen tv on the wall for the sum of {$200.00}, i paid the technician with my debit card for mounting my tv on the wall. the very same day i cancelled XXXX for failing to provide services as required. on XXXX/XXXX/XXXX XXXX used my card information and charged my account with the sum of {$460.00} i called bank of America and made claim number XXXX against XXXX XXXX for a fraudulent transaction, on XXXX/XXXX/XXXX bank of America ordered that i cancelled my debit card so XXXX can not use it against me, which i did and a new debit card was re issued. on XXXX/XXXX/XXXX bank of America took my money and refusing to replace my {$460.00} back. i want my money.
Product: Debt collection

I have a debt on my credit report reporting as opened on XXXX XXXX and reporting a new balance on behalf NetCredit that was closed XX/XX/XXXX from XXXX XXXX XXXX. 
This debt is not owed, in fact this debt was closed because I sent Net Credit an FTC packet along with police report showing Identity theft in XXXX to XXXX to which I was told that this account would not be a problem again. I have not since opened an account with Net Credit, Certainly not in XX/XX/XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/2022 I used MoneyGram International to transfer {$1400.00} USD to my husband 's XXXX XXXX XXXX XXXX  account in XXXX. MoneyGram promised delivery no later than XX/XX/2022. The money was not delivered and still is not delivered on XX/XX/2022. 

MoneyGram refuses to provide any information as to where the money might be. The only thing they propose is to initiate an investigation on XX/XX/2022, a process that take up to 90 days. Even if I request a cancellation, the funds will not be refunded before the investigation concludes. 

Therefore, I could be out of this money for more than 100 days which is an unreasonably long time. Both the receiver and I have had numerous telephone conversations with MoneyGram since XX/XX/XXXX, receiving conflicting information from the agents. At the same time, the automated tracking message states " funds are available ''.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ) .Specifically, Cash App failed to take timely and effective preventative 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 did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Mortgage

The incomitance of the staff working for this company is ridiculous. I call and get transferred around like a BB in a box car and no one has any helpful information on refinancing my loan. 
Can my loan be refied? 
Can I change it to a 15 yr? 
i understand the Federal Gov extended the forbarence time until XX/XX/XXXX for FHA loan so why do I not qualify? 
These are the starting question that no one can answer no matter how hours I waisted on the phone regardless of how many times they transfer me.
Product: Debt collection

I was notified in XX/XX/XXXX, that I have a credit card debt from XXXX XXXX dated from XXXX, at the address XXXX XXXX XXXX XXXX. This has always been a rental property, never resided there. My current address is XXXX XXXX XXXX XXXX, Pa. XXXX for XXXX. This credit card account isn't mines, never applied for a credit card with XXXX XXXX. I asked for proof with my signature on credit card application. I didn't receive it. This is a XXXX XXXX XXXX fraudulent account that's not mines.Police report included 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 XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX 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: Debt collection

On today, XX/XX/2024 I was notified by XXXX XXXX that I have a new collection on my credit report. I was unaware and received no prior notice of any such debt obligation, nor was I given proof or disclosure of a right to dispute. I suddenly had my credit report include a collection that I was never even informed of therefore negatively impacting my credit without having an opportunity to dispute or resolve the collection.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, The following account was listed as charged off as of XX/XX/XXXX by XXXX XXXX, Since then, the account has repeatedly been updated as charged off ( c/o ) several months after original charge off. This is an update in the payment history. I understand that charged off accounts should not include any active payment history. This falsely manipulates the statute of limitations. 

I am demanding a deletion of the following accounts : 1. { XXXX XXXXXXXX } { XXXX } Opened XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing in response to a notification on my credit report. The files reported are inaccurate and erroneous and is leading to a negative impact on my credit file. I am including proof with this letter and the following information on the credit report is incorrect. 
XXXX XXXX XXXX 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: Vehicle loan or lease

I got the loan in XXXX XXXX being paying for 3 plus year 's and they say i still owe over XXXX on car it's a XXXX XXXX XXXX I got the car from XXXX XXXX in XXXX iowa the company was closed down within 6 months of me getting the car the loan was thur credit acceptance I feel I am being ripped out and taken advantage of on top of it I gave them XXXX down the guy 's name XXXX XXXX he's been arrested several times for fraud and is working for around car lot please help I am a single mom on XXXX I have XXXXXXXX XXXX XXXX XXXX and have XXXX every 2 week 's so I have other choice but to let them steal my money I get XXXX a month they take XXXX a month they already repo the once my family had to get it back for me so I didn't miss XXXX please help me
Product: Debt collection

In XX/XX/XXXX I went to the Emergency Room at XXXX XXXX XXXX XXXX in XXXX, using my VA Medical ID Card, to obtained treatment for XXXX XXXX XXXX. XXXX accepts VA Health Patients with ID, and sub contracts their ER services to outside providers. THE ER uses the VA Benefits ID I give them to bill the service back to the VA, which in this case, the bill goes to the VA 's XXXX, Fl., offices. 

XXXX XXXX XXXX XXXX billed me {$600.00} for the ER visit, which I paid them off in monthly installments until it was paid in full. But suddenly I got a bill for {$580.00} from XXXX XXXX XXXX XXXX XXXX XXXX that had a XXXX, Fl., XXXX XXXX  as an address. 

I wrote to them asking what the charge was for and got a vague response of " ER doctor visit. '' Well this doctor spent as much as 10 minutes with me before writing a prescription. neither I nor the VA deemed that worth {$580.00}, and the VA settled the bill at {$42.00} in XX/XX/XXXX. 

THE VA also warned XXXX that they could not seek any further payment from me as a Veteran who used the ER services at XXXX under an agreement with the hospital to provide services to VETS who lived more than 40 miles from the nearest VA hospital facility. The nearest facility is XXXX XXXX, Fl -- 75 miles south of XXXX, Ga. 

XXXX, however, has thrown this bill into collections and it is showing on my credit report TWICE under different collections agencies. 

BY Law XXXX can not seek payment from a Veteran once they accepted payment from the VA to settle the bill. 

They MUST remove the items from my credit report and desist from further harassment from me for a bill which they can not legally collect. 

Because of their harassment, I have ceased using XXXX for ER services and when I get sick now, I have to drive sick down XXXX to XXXX XXXX to be treated. This is dangerous, but with this kind of greed locked into the civilian system, I have no alternative.
Product: Debt collection

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of 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.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report says that I am deceased but Im not.So it will not let me access my credit report.This happened at XX/XX/20
Product: Debt collection

I recently disputed the validity of XXXX XXXX XXXX that was being incorrectly reported on my credit profile. It was no surprise that the other credit bureaus deleted the account due to their inability to properly verify it, but Equifax have marked this account as verified. This is confusing to me. I have uploaded XXXX screenshots of the other credit agencies deleting the account I will need Equifax to do the same
Product: Money transfer, virtual currency, or money service

I called XXXX XX/XX/XXXX after speaking to a Bank of America agent wanting to cancel XXXX services do to an ongoing related fraud scam. The BofA agent said there was no way to cancel XXXX services however on the XXXX web site it states please contact your bank or union to cancel your XXXX services. There should be a way to cancel XXXX services and neither Bank of America or XXXX have any reasonable response/solution.
Product: Checking or savings account

Chase Bank locked my business checking account due to an internal error with my ownership %. I resolved this in person at the local branch. The banker stated my account would be restored in a couple days. 6 business days later and my business account is still locked. I can not conduct business due to Chase Bank 's error. This should be criminal to lock my account and not send me my money or let me use my money.
Product: Money transfer, virtual currency, or money service

I was charged a series of over drafts, extra fees and unauthorized charges and this was then sent off to collections because my account was closed out by chase bank