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

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I called XXXX XXXX to pay off my XXXX XXXX credit card account, which apparently in the process of being sold ; however, had not yet been sold to collection agency. So, I paid the balance of {$670.00} in full via my bank check card and was told that I would receive a letter stating this debt was paid in full. Upon receiving the letter, I filed a dispute with Experian Credit Reporting Agency on XX/XX/XXXX to change the status of the XXXX XXXX account from [ Closed. {$670.00} written off. ] to Closed. Paid in full and uploaded a copy of XXXX XXXX 's proof of paid in full letter. Experian 's Dispute Center sent me an email stating that dispute was completed ; however, they had changed the payment status of the XXXX XXXX account to CHARGE-OFF. According to the New Rules About Reporting Charge-Offs The National Consumer Assistance Plan, introduced by the three credit reporting bureaus to address errors and inaccuracies on consumer credit reports, implemented new rules about collection accounts in XX/XX/XXXX. 

Among the changes were requirements for more detailed and accurate information, including updating when collection accounts have been paid in full. I called Experian on XX/XX/XXXX after submitting 3 additional disputes on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX to change payment status to Paid in full and Experian refuse to do so.
Product: Checking or savings account

On XX/XX/year> myself and my tax prepare contacted chase bank regarding not receiving my federal & California state income tax refund due to it being sent to someone else 's account. We were told to contact the IRS & have them retrieve the money also that they would intercept & return the money from XXXX XXXXXXXX XXXX tax board because it has not been deposited in the error account. I've made several attempts with by creating XXXX claims to have chase return the money back to sender. I went to my local branch to have them escalate the claim to no avail. XXXX has acknowledged that the information that I provided is correct but there is nothing that they can do to contact the sender of the funds. I've contacted the sender XXXX XXXX XXXX XXXX XXXX & the XXXX XXXX XXXX XXXX & they are telling me to contact the my bank to have them return the funds but XXXX will not return the funds.
Product: Credit reporting or other personal consumer reports

My account with XXXX 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 my 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 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 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

After completing my degree, I had multiple student loans which would all be coming into repayment at different times creating, multiple bills. I was informed that I would need to consolidate my loans to create a single bill and then enter into an income-based repayment plan such as the XXXX plan. After consolidating my loans, I found out that my Parent Plus loans which were for my daughter 's education were all consolidated together and the type of loan was not eligible for the XXXX plan. After consolidating, my total balance was over {$250000.00} which included my daughter 's college expenses. I didn't know that my daughter 's school would be added onto mine. I asked my loan servicer if I could reverse the consolidation and I was told that it couldn't be reversed. My monthly payment is now around {$1500.00} per month even though I only make about {$2000.00} per month. Calculating my payment based on my previous tax returns is not accurate because I don't make as much money as I used to since I had to quit my full-time job in my XXXX XXXX XXXX XXXX so that I could focus on passing the course and XXXX Although I have filed married jointly and my wife makes more money than I do, We still have a high amount of monthly bills and also have been living in a camper for 3 years now and may be moving in with her parents. My loan servicer told me there was nothing else they could do and that I could make a {$500.00} payment at the beginning of the month and another toward the end of the month to try to keep from defaulting. I think that would only prolong the inevitable which would be default. I have asked for a forbearance while trying to sort this out but have not received a response from Aidvantage.
Product: Credit reporting, credit repair services, or other personal consumer reports

Sending several times of multiple letters, unverified accounts listed below are still reporting on my credit report in violation of federal law. The Credit Bureau failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these negative accounts remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the accounts that are still showing on my report. 
XXXX XXXX Balance : {$3600.00} Date Opened : XX/XX/XXXX XXXX XXXXXXXX Balance : {$0.00} Date OpenedXXXX XXXX XXXX XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$340.00}
Product: Mortgage

After prequalifying on a {$80000.00} Conventional Mortgage Loan. The borrower does not approve my Loan amount. XXXX XXXX was my Mortgage loan officer and he clearly knew about the HOA amounts. I have reserves totaling more than the loan and was approved then denied based upon the HOA totals. I do plan upon moving to XXXX and should have no problems with getting gainful employment with my field of business or employment.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX, XXXX, and Experian, for failing to properly investigate my disputes regarding inaccuracies in my credit reports. Despite my submissions, the three Bureaus, constantly responds every 24 hours stating the amount is accurate, without providing any evidence of a thorough investigation.

This practice violates The Fair Reporting Act ( FCRA ), 15 U S C 1681i.
Product: Mortgage

Pulte Mortgage XX/XX/year> # 1 My house has NEVER been under CONTRACT, It went on the market on XX/XX/year> and as of today XX/XX/year>, it is still FOR SALE! 
Through XX/XX/year> I was a XXXX XXXX XXXX XXXX XXXX In charge, so I know what a Contract means. And if it was ( BUT NEVER WAS ) why dint you ask me for a copy of the CONTRACT, to see the sale price and closing date???. 
# 2 I found 3A it was filled out by YOU NOT me and on Page 5 where there was a place For a signature it was never filled in. The date on that paperwork is XX/XX/year>. ** # 3 The closing was set for XX/XX/XXXX at XXXXXXXX XXXX. On fri XX/XX/XXXX someone call and asked when our house was closing and I said it is still for sale, they said they would Get right back to me, late Monday the XXXX XXXX they called and said we need a Additional {$44.00} XXXX to close, the after noon XX/XX/XXXX they called and said it was not XXXX But XXXX, our son offered us a gift of XXXX. The morning of the closing you called and said We need another XXXX then 2 hours later you called back and said not XXXXXXXX XXXX but XXXX. Our Son pulled his gift offer and said Dad Something WRONG, Asking for a additional XXXX XXXX 36 Hours before closing.

# 4 Why did my XXXX XXXX person jump through hoops to insure that I could make 3 Years of payments, Ins, Taxes, Hoa and hold all that money in escrow, in My XXXX XXXX We did everything you asked for and at the last moment you ask for a additional XXXX XXXXXXXX, your people Talked about it like it was a {$110.00} dollars. 
Every time i conversation with Pulke I was asked for the last 4 of my social security # before talking to me, When asked for a copy of the recording where I was alleged to say my home was under contact They said they had now way to get the conversation to me????

# 5 Your company is at fault not me so please do the right thing and refund me the XXXX We lost on the deal and our mental condition after losing OUR dream home Thank You, XXXX XXXX XXXX XXXX PS you made a profit of {$26000.00} after we were FORCED to pull out. {$26000.00} - {$18000.00} Your new profit {$8.00}, XXXX after you REFUND us. DO THE RIGHT THING PLEASE
Product: Mortgage

My wife and I signed real estate contract on XX/XX/XXXX to purchase new construction home from Lennar XXXX XXXX, LLC. Property address is XXXX XXXX XXXX, XXXX, GA XXXX. We were specifically told that the home would not be built until early XXXX and closing for home would be XX/XX/XXXX. That was the key incentive for us to sign this contract as we knew we would not be financially secure to accumulate our necessary down payment, 40 % of the purchase price, until XXXX. After we adamantly expressed to sales agent that was the only scenario that would work for us, we were repeatedly assured by sales agents that closing would be at mid XX/XX/XXXX. Well during last week of XXXX we came to location of proposed home and noticed that foundation slab has been installed. Upon inquiring of sales agent about cancelling this contract and getting our earnest back we were told don't worry house would not be built until XXXX. We specifically inquired about pulling out of this contract at this point and was told that if home was ready earlier that XXXX, we could cancel and get our earnest money back. We feel the loan officer and the sales agent were working together to deceive us. Well, here it is in early XXXX and house has been built. We have gotten very limited, confusing verbal communications from Lennar sales agents, specifically XXXX XXXX, XXXX XXXX, XXXX XXXX and mortgage loan officer XXXX XXXX. We feel we've been lied to and deceived to sign this contract as they knew house would be built this year XXXX. Numerous phone calls have been not returned and we have not received any written communication from sales agents or mortgage officer as to specific resolutions at this point.
Product: Money transfer, virtual currency, or money service

I am filing a formal complaint against Cash App ( operated by Block , Inc. ) due to inadequate customer service and unfair practices, which I believe violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account exposed and unprotected.

Additionally, their dispute resolution process was both unfair and deceptive. They did not comply with the error resolution requirements outlined in the Electronic Fund Transfer Act ( EFTA ) and Regulation E. As a result, I have suffered significant inconvenience and financial loss. I am seeking appropriate remedies to address these violations.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I dispute inaccurate information on my credit report including XXXX XXXX, five different name spell wrong and inquiries that was done XX/XX/XXXX experian credit did not give me the information I ask for forward flow agreement
Product: Credit reporting, credit repair services, or other personal consumer reports

I called XXXX and Experian questioned an inquiries of XXXX, XXXX XXXX  and XXXX XXXX on my credit report. I told them that I did not make these two inquiries on my credit file. They gave me the run around.
Product: Credit reporting, credit repair services, or other personal consumer reports

These are ALL fraudulent inquiries on my credit report that I just found. 

XXXX XXXX ( Miscellaneous ) XX/XX/XXXXXXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX, XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Miscellaneous ) XX/XX/XXXX XXXX XXXX XXXX ( Miscellaneous ) XXXX XXXX, XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Miscellaneous )
Product: Credit card

After Citibank closed my account, without any notice, or intimation to me about the closure, I had requested for late fees, interest charge and return check fee to be waived in view of the unexpected and unexplained termination of my account. Citibank straight away denied to provide any waiver on any of the fee, despite their standard practice of providing waivers for all these fees to their customers in these kinds of special circumstances. I had previously reported that my account closure was a result of discriminatory practice at Citibank, which they have explicitly denied. However their outright refusal to waive standard fees in my case, contrary to their usual practice, seems more evidently to be discriminatory towards me as an immigrant and a person of colour. It is my respectful request that CFPB please looks into it and I can provide details of the charges I am requesting Citibank to waive off my account so I can pay my account in full. 

XX/XX/XXXX LATE FEE - XXXX PAYMENT PAST DUE XXXX XX/XX/XXXX RETURN CHECK FEE - XXXX XXXX XX/XX/XXXX RETURN CHECK FEE - XXXX XXXX XX/XX/XXXX RETURN CHECK FEE - XXXX XXXX XX/XX/XXXX INTEREST CHARGED TO STANDARD XXXX XXXX XX/XX/XXXX RETURN CHECK FEE - XXXX XXXX XX/XX/XXXX RETURN CHECK FEE - XXXX XXXX XX/XX/XXXX FOREIGN TRANSACTION FEE XXXX XX/XX/XXXX RETURN CHECK FEE - XXXX XXXX XX/XX/XXXX INTEREST CHARGED TO STANDARD XXXX XXXX XX/XX/XXXX INTEREST CHARGED TO STANDARD XXXX XXXX XX/XX/XXXX LATE FEE - XXXX PAYMENT PAST DUE XXXX XX/XX/XXXX RETURN CHECK FEE - XXXX XXXX XX/XX/XXXX RETURN CHECK FEE - XXXX XXXX XX/XX/XXXX INTEREST CHARGED TO STANDARD XXXX XXXX XX/XX/XXXX INTEREST CHARGED TO STANDARD XXXX XXXX XX/XX/XXXX XXXX CHARGED TO STANDARD XXXX XXXX XX/XX/XXXX INTEREST CHARGED TO STANDARD XXXX XXXX XX/XX/XXXX INTEREST CHARGED TO STANDARD XXXX XXXX XX/XX/XXXX INTEREST CHARGED TO STANDARD XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX feather XXXX XXXX XXXX, Florida, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX XXXX : Dispute of Incorrect Information Under the Fair Credit Reporting Act Dear Experian, I am writing to formally dispute the inaccurate and incomplete information currently reflected on my credit report. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to request a reasonable and thorough investigation of my consumer report. Please consider this letter a formal request to investigate and delete the following accounts, which I believe to be erroneous : XXXX XXXX XXXX XXXX : {$360.00} Account Number : XXXX XXXX XXXX Amount : {$1800.00} Account Number : XXXX I am requesting that both accounts be removed from my credit report, as they were not properly verified or investigated. It is my understanding under the FCRA that a credit reporting agency like Experian must conduct a reasonable investigation and delete any information that is found to be inaccurate or unverifiable. 

Please provide me with the results of your investigation within XXXX  days, as required by the FCRA. If the information can not be verified, I request that you immediately delete these accounts from my credit report. 

Additionally, I am requesting that you send me an updated copy of my credit report reflecting these deletions once the investigation is complete. 

If this matter is not resolved satisfactorily, I will consider filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and pursuing legal action for violation of the FCRA. 

I've already requested that it these accounts be deleted, and the matter was not investigated but was verified. Can you provide me the proof that these accounts where investigated and properly verified please and thank you. 

Thank you for your immediate attention to this matter. 

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

I am writing to challenge the presence of a fraudulent item currently listed on my credit report. Despite sending my initial dispute letter and the required documentation to the Federal Trade Commission ( FTC ) in accordance with your guidelines, this item remains on my credit report. After contacting the creditor linked to this item, they acknowledged its fraudulent nature. Consequently, the item has been removed from XXXX and XXXX. I have also provided the company with all necessary documentation to substantiate my claim. 

Bankruptcy XXXX  XXXX Discharged Reference : XXXX Date Filed XX/XX/year> Court US BKPT CT XXXX XXXX XXXX
Product: Credit card or prepaid card

At some time in the past three or four weeks I applied for a credit card offered by Chase ( Manhattan? ) bank with an offer of Bonus Miles with XXXX XXXX if you spend a certain amount in a designated period of time. 
I have excellent credit and should absolutely QUALIFY for this card. I could ( & would ) meet their standards to earn the Bonus Milage but THEY decided I should not have this card because I have " too many credit cards. '' I asked to speak to a Supervisor and the first time, they told me, " they're not working today. ' Someone DID call me the next day telling me they could not approve me but they would have a Supervisor call me and then they never did. 
I did not realize that these companies were in the habit of 'parenting ' potential customers. 
My Credit History shows that I can and most likely WILL re-pay any amount I charge on a new credit card they afforded me. 
What gives them the right to deny me something they are offering based on the fact that other companies have decided to extend credit to me? I've accepted many of these offers BECAUSE of the fact that they come with 'perks! ' If, in fact, they really DON'T want you to be able to earn those perks, isn't that false advertising? I am as qualified as any of the people they've extended this particular Bonus to so how is it they are allowed to deny it to me? It seems wrong. Am I right?
Product: Credit reporting or other personal consumer reports

XXXX Transunion XXXX Account XXXX XXXX - XXXX  XXXX Account Holder XXXX XXXX XXXX XXXX XXXX XXXX Account Holder - XXXX XXXXXXXX XXXX - - Account Holder XXXX THESE ACCOUNTS DONT BELONG TO ME CREDIT BUREAUS FAIL TO VERIFY THESE ACCOUNTS I NEED THESE ACCOUNTS REMOVE OFF MY CREDIT
Product: Checking or savings account

Paypal is charging me XXXX, i did not authorize and it was froud. 

Paypal Account # XXXX Phone # XXXX
Product: Credit reporting or other personal consumer reports

Over 30 days ago, I mailed off some consumer law letters via certified mail to all three credit bureaus. Transunion, XXXX and XXXX. There is only one address that should be showing up. There are inquiries that I didnt authorize that are on there and when I called Transunion , I was told that I had to get an authorization letter from the company AND myself and mail it in and list the inquiries and send both to them. How can I get an authorization letter for an account I dont have and didnt apply for? I also dont want my late payments section showing on my credit report. By law, thats supposed be something thats just between my creditor and myself!
Product: Checking or savings account

I received a letter from Bank of America in in XXXX, AZ and i never went to AZ. The letter stated I wanted to open a deposit account. I did not open any account with this bank. The telephone number on the letter is XXXX. The letter stated I request to open the account on XX/XX/2023. I received this noticed on XX/XX/2023. This letter also have another phone number listed as XXXX it have an address listed as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, AZ XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

I have reviewed my credit report and there are many fraudulent accounts listed on my credit report. I will list the items attached below. 

When you get this complaint that includes my identification and FTC report, please BLOCK and DELETE these fraudulent accounts from my report.
Product: Checking or savings account

I would like a full investigation in what is taking place with my funds. I want access to my fund availability and any fees added due to this issue-refunded. I would like the CFPB to also provide investigation and any fines that Capital One would be responsible for.
Product: Credit reporting or other personal consumer reports

Someone got a hold of my personal info & tried opening XXXX accounts. Now there are XXXX inquiries on my report that reduced my score I have a credit freeze on all XXXX bureaus