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

In accordance with the FAIR CREDIT REPORTING ACT, these accounts entered have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish information relation to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate ( 2 ) Exclusions.-Except as provided in paragraph ( 3 ), the term " consumer report '' does not include- ( A ) subject to section 1681s3 of this title, any- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 U.S. Code 1666b - Timing of payments ( 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.

( b ) GRACE PERIOD If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge.
Product: Checking or savings account

my account was suddenly been closed without any advice or phone call they did mentioned its already closed when i was by chance i went to the bank and request a deposit slip form the main reason that they closed my account they are verifying the pay check that i have deposited and what they did is closed the account and removed all the funds that i have on that account without notification or email. they have closed my account XX/XX/2023 the action that they did is just provide me a number to call on i did call the number is a customer service and they told me they are on the process of verifying the check that i have deposited but the verified number they have is not responding to their call until no one answer to their concern the fund that i have on my account stay with them
Product: Money transfer, virtual currency, or money service

On XX/XX/2020, cash app account was hacked and took different amounts {$1200.00} and the second transfer of {$1400.00} from my bank account and sent to different account without my authorization. The amount was sent to a fake bitcoin account. I tried refund the amount and even dispute the transaction but stated that i need to file a police report for further investigation. I filed a police report about the fraud and unauthorized transaction.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports. XXXX XXXX XXXX XXXX Open Date : XXXX XXXX, XXXX Balance : {$0.00}. Please delete this account ASAP.
Product: Mortgage

I received a modified second mortgage from XXXX in XX/XX/XXXX for a 15 year, {$15000.00} balloon originating in XX/XX/XXXX, but was not informed that the modified second mortgage was negatively amortized, raising the balloon payment to {$55000.00}. I learned of the toxic loan from a third party when trying to restructure loans.
Product: Checking or savings account

I deposited {$5000.00} into the new account at Huntington Bank and met the terms of depositing {$5000.00} within the first 90 days of being open, to receive the {$400.00} bonus. I did not receive the {$400.00} bonus as promised. I filed a complaint with the bank roughly 2 weeks ago and never heard anything back. Unfortunately contacting this federal agency is the next step, even though I would rather not have to do it. Thank you and feel free to contact me!
Product: Credit reporting or other personal consumer reports

I am filing this complaint regarding inaccurate items on my credit report, that continues to negatively impact my credit. Despite my efforts to resolve this directly with the reporting agency, it remains unresolved. I request immediate investigation and removal of the items listed below. The items are incorrect and does not reflect my true credit history. 

The reported accounts XXXX XXXX  {$370.00} XXXX XXXX  {$780.00} XXXX XXXX XXXX {$450.00} XXXX XXXX XXXX {$520.00} XXXX XXXX XXXX {$610.00} CXXXX XXXX {$1000.00} XXXX XXXX {$3100.00}
Product: Debt collection

i went to get some medical exams done, xrays, my insurance paid for everything but i got a bill sent anyways, i received a call from the company and i told them that my insurance covered it but they said it didnt even though i knew it did, the collection company set a derogatory mark in my credit score and now it says the debt was PAID even though i never paid for it ... ... 

Creditor Name TSI/XXXX  Account No. 
XXXX Original Creditor MEDICAL Responsibility Individual Condition Paid Original Balance XXXX Balance XXXX Date Opened XX/XX/XXXX Date Reported XX/XX/XXXX Remarks Paid collection
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding the handling of my consumer report dispute with Equifax. I have made several attempts to correct an inaccurate address that is reported on my Equifax credit report. Despite submitting multiple forms of identification and evidence proving my current, accurate address, Equifax has failed to correct the information, which I believe is in violation of the Fair Credit Reporting Act ( FCRA ) .Equifaxs recent correspondence has requested that I provide documentation showing my full Social Security number and a utility bill with my current address in order to verify my identity. As a consumer, I deeply care about my privacy and do not feel comfortable sending sensitive documentation such as my full Social Security number, especially in the context of a dispute regarding inaccurate information. This request is unnecessary and excessive, given that I have already provided sufficient documentation to verify my identity and address.To illustrate, I have already sent the following documents to Equifax, which clearly demonstrate my accurate address : 1. A state-issued identification card ( ID ), which is an official and highly reliable form of identification issued by my state. It includes my full name, photo, date of birth, and current address. This is a widely accepted and legitimate form of identification that fully verifies my identity and current residence. 


2. A recent bank statement, which also clearly shows my current, accurate address.

Both of these documents were notarized, further ensuring their authenticity and my identity. I have already sent these notarized letters to Equifax multiple times, but despite this, Equifax has continued to report both my correct address and the inaccurate address as current. 
In contrast, after submitting the same documentation to the XXXX other major consumer reporting agencies ( XXXX and XXXX ), both agencies deleted the inaccurate address from my credit reports, confirming the validity of my dispute and the accuracy of my current address. This further underscores that the documentation I provided is sufficient for identity verification and address correction.I respectfully request that the CFPB investigate this matter, as I believe Equifaxs actions violate the FCRA, particularly the provision that requires consumer reporting agencies to correct or delete inaccurate information from credit reports after a reasonable dispute. I have provided clear proof of my identity and address, yet Equifax has failed to act in accordance with the law by continuing to report incorrect information. 

I am attaching documents such as my state issued ID, current bank statement, my complaints against XXXX  and XXXX  regarding the innaccurate address and before XXXX and XXXX deleted the innaccurate address to after they deleted it
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately, I have one late payments on an account that i was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. this account has not been late on payments ive attached a copy of my report to this complaint on the following dates ( XX/XX/year> ) I'm now requesting you investigate and provide verifiable proof with records showing that i had late pavements. If this information can not be verified I demand these payments be updated to paid on time immediately. Thank you for your understanding and prompt action.
Product: Debt collection

I got behind on payments to credit card companies which I called and notified and asked for hardship help... I had been paying on time for years and even the credit card companies agreed that I had done whatever I had to do to make My payments every month on time until one day that just suddenly stopped. I had been in a bad carwreck and that same night My Fiance ' suffered a XXXX and had some sort of XXXX in His XXXX and XXXX. I notified the companies, some of which I was protected by in case of which something like this happened, and granted help. Discover was one of the companies that closed My account and I believe charged it off, and just this week I noticed My paycheck was short and checked My paystub online and saw where My paycheck was being garnished without Me knowing or being aware in any way and didn't even know by who until contacting My employer. It was being garnished by a company that took over My account from Discover. I am low income, XXXX, and receive SSD and do not even know if They are garnishing those payments from SSD. Can some one please call and help Me or tell Me of some one that maybe can help? Thank You so much! My phonenumber is XXXX. I live in XXXX, XXXX and You are welcome to call Me anytime. Thank You so so much! XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This was not sent in error, I am XXXX XXXX, a consumer by law and my information was misused and now I have some false not 100 % accurate accounts on my credit repoRT and. Unauthorized use of my credit report I demand deletion of the items and information
Product: Vehicle loan or lease

I contacted global lending services because theyve reported to my credit report that the car was Written off/ Profit and loss wrote off. I request a 1099 form that they couldnt provide but told me I still owed them. if this is not accurate please delete from my credit report
Product: Credit card or prepaid card

PayPal made an incorrect calculation on my XX/XX/2023 statement. 
I have a credit of XXXX from XXXX and a Previous Cycle Debt Can Fee Credit of XXXX. They were not applied correctly. XXXX is XXXX. Instead, I was charged XXXX.
Product: Credit reporting or other personal consumer reports

I am attaching proof that Equifax has addmited that I was in fact a victim of this data breach and Equifax has done nothing. 
Please help me delete these illegal accounts from my credit reports. 
XXXX XXXX {$1100.00} XXXX XXXXXXXX {$6500.00} XXXX XXXX XXXX XXXX {$4100.00} XXXX XXXX XXXX {$330.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX I called the automated line with Continental Finance to find out my minimum amount due. This was after my account was locked due to multiple attempts trying to access my account online. Upon entering my credit card information, I was informed there was a XXXX minimum amount due. I have made several payments in the past early and was under the impression ( through their account information line ) I had already made the payment. 

However, in XX/XX/XXXX I received an alert through XXXX that my Continental Finance had reported me 30 days late. I immediately called Continental Finance. I informed them that the system had stated I had already made the XXXX payment. The customer service representative then informed me that my credit card had been canceled and a new card was being mailed. This was a precaution due to the XXXX data breach. Keep in mind, I never received a call, a letter or an email. They simply canceled my card without any notification. As a result, when checking my account for my monthly amount to pay the credit card number was no longer active so it reported me not late and XXXX due. After 2 weeks, I never received my new card. I called and Continental Finance stated they would send one out immediately. After 2 MORE weeks, no card. I called AGAIN and they stated that it was being mailed out. I do not feel that this is my fault and should not be held responsible on my credit report for 7 years when something was done without my knowledge that affected my credit. I have disputed it with the credit bureaus with no luck. I called Continental Finance and they said I am no longer able to dispute any misinformation since it has been over 60 days. 

I had to dispute another credit card company due to the exact same reason. As a result of my letter of Goodwill, they removed the late payment from credit report. I have mailed the same letter to Continental Finance without any luck.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/ please be sure to enter dates that all letters were sent. 

I sent disputes to XXXX, Equifax, and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them of the violations they were making to my consumer report. It has been over 60 days and they have failed to respond. I am attaching copies of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Product: Mortgage

BANK OF AMERICA wrongly reported we were late on our monthly payment on XXXX 2013 which i snot true, i already contact bank many times but they did not corrected
Product: Vehicle loan or lease

I sent in a payment for 50 % of my outstanding balance ( {$9300.00} ) in XX/XX/XXXXof XX/XX/XXXX because I noticed that my credit score with XXXX had gone down significantly, and the reason given was slow reduction in my loan balances ( I had just taken the loan out when I bought the car used, with 50 % cash down, in XX/XX/XXXX, and only had a 36 month payment plan ). But I know that, while the CFPB has decided not to investigate XX/XX/XXXX, they and the other credit bureaus are like the XX/XX/XXXX. So I addressed the issue by sending Volkswagen Credit USA a check for {$9300.00}. 

What VW Credit did was to slowly apply this against my future payments for the next 15 months, rather than applying it to my balance without ever asking me what I prefer. Now, I concede that I could have noticed that I was not getting autopay withdrawals anymore. But frankly, I scan my accounts for things that should NOT be there, not things that SHOULD be there. 

I think that given the way almost any other loan I have experienced in my life, it would be a very reasonable assumption that the check I send would be applied against my balance. It was not, although the funds were removed immediately from my account. Thus, VW Credit US had full us of my funds for a year, while I did not AND continued to charge me 5.24 % interest for the privilege of them holding my cash. 

I have spoken to a supervisor there, and the " best '' they can do is to apply a {$50.00} credit towards my account ( I had to specifically ask them to apply it to my principle. They were unable to do more because they " did not make an error. I could have told them how I wanted it applied ''. My calculations show that this has cost me approximately {$340.00} in interest over charges.
Product: Credit card or prepaid card

I previously made a complaint through this website onXX/XX/XXXX/2017.  The company responded that they closed the account and would adjust my statement to reflect I had no available credit balance. To date they have not adjusted my statement - which still reflects an available credit of {$2400.00}. I believe 3 billing cycles is more then enough time to close the account and adjust my statement reflect properly reflect this closure. Either the account is closed - or it is not. I would like Santander to say one way or another and stand behind that decision.
Product: Checking or savings account

We opened a joint checking account with TD bank in XXXX XXXX XXXX, Florida in early XXXX. When we opened the account we were told by the branch personnel that a 30-day hold would be placed on our deposits because we were a new customer to them. 

More than 30 days has elapsed since we opened the account and the bank is still holding our deposits, and not giving us an adequate explanation for the holds. We are now unwilling to deposit any more money into this account because of the arbitrary hold policy ( whatever it may be from day to day ).

We deposited 4 checks ( total deposit {$5900.00} ) on XX/XX/2020. We have a receipt showing the deposit, along with copies of each check. One of the checks ( amount {$4200.00} ) was from my Pension custodian ( XXXX ). We have been informed by the local branch personnel that TD bank 's internal bank Fraud Operations department took issue with this particular check for some reason, but capriciously placed a deposit hold or the entire deposit amount. We have received a letter from that department to this effect, and have discussed the matter with the local branch personnel to attempt to get it resolved. As of this date the hold remains in place, in spite of the fact that the check has long since cleared the Federal Reserve System.

The local branch personnel are sympathetic but unable to effectively negotiate with the Fraud Operations department to resolve the issue. 

What are my options for recourse? When will the bank stop subjecting us to unreasonably withholding access to our funds? I have no confidence that this bank will fairly treat us in the future, and we plan to move our account elsewhere immediately.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX acc:XXXX  date : XXXX owed : {$4500.00} XXXX XXXX XXXX acc:XXXX date : XXXX, XXXX owed : {$360.00} XXXX XXXX XXXX acc:XXXX date : XXXX, XXXX owed : {$4300.00} XXXX XXXX XXXX  acc:XXXX date : XXXX, XXXX owed : {$510.00} XXXX XXXX XXXX acc:XXXX Date : XXXX, XXXX owed : {$1100.00} In present time of my findings. I XXXX XXXX the consumer, have come to the conclusion my identity has been misused for malicious intent. As the consumer who is bound by the protection of the federal trade commission i would greatly appreciate these charges be removed in a timely manner off of my consumer credit report, for they are fraudulent and disrupting the growth of my financial well-being and hindering me from furthering my business goals and the pursuit of establishing comfortable living and prosperity for my family. Thank you, XXXX XXXX XXXX
Product: Debt collection

Disputed account with all 3 credit bureau and have not received any type of verification stating that I'm the owner of such account in question, also this negative unverifyable account is hurting my credit score.
Product: Credit reporting or other personal consumer reports

( Experian ) ( Transunion ) and ( Equifax ) please delete these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX of XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2024 is also account that is not authorized please delete item I don't recognize these lenders and I don't remember authorizing them to perform a hard inquiry nor did I authorize any new accounts on my credit report Act, I demand that these items be investigated and removed from my report Please remove any information that the creditor can not verify and show permissible use
Product: Credit reporting or other personal consumer reports

LEXISNEXIS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These are not my inquiries these are not recognized or acclaimed by me. I request they be removed and deleted from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity was stolen and used to open XXXX XXXX XXXX I have filed a police report and FTC Report. I am preparing a lawsuit. After informing Experian and XXXXXXXX XXXX i have gotten nowhere. they do not investigate the matter even with the police involved.
Product: Credit card

On XX/XX/2023 an application was submitted for the XXXX XXXX XXXX American Express Card and was denied. ( XXXX XXXX # XXXX ) Upon receipt of the denial letter I called the number to rebut the claim. However, the customer service agent only regurgitated what was on the denial letter, and when I asked to speak to the supervisor he regurgitated the same thing. They were unhelpful, difficult to understand, and rather discriminatory in their assumptions of my capacity to fulfill contractual obligations. 

I simply asked questions such as " What did American Express do with the original application I submitted if they are not going to release my credit? '' but the reps could not answer the question and ignored it. 
I asked, " Is American Express not under Truth in Lending? '' in which they only repeated that my credit score was too low. Any representative I've spoken to so far with American Express were clearly unsuited to answer my questions. 
I also requested to speak with an executive, the trustee of the account, or any authorized persons to dispute the claim but was rudely denied that request as well. 

Today on XX/XX/2023 I sent them a written response to their adverse action via registered mail informing them of the applicant 's right to credit and instructed any authorized person ( s ) to either conduct a second review of the application or to retract the security collateral entirely. 

The purpose of this complaint is to remain diligent as a consumer and hopefully get into contact with the proper executive department at American Express to establish a business relationship in good faith. 

Thank You, XXXX XXXX