23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

In XX/XX/21 I was a few days late paying my bill which is always $ XXXX. I am usually on time. The bill is due by the XXXX of month. I paid the {$29.00} on XX/XX/21. The company refused to remove an assessed {$20.00} late fee for XXXX and even though I paid {$29.00} for XXXX they assessed another {$50.00} onto the bill, deeming me past due ( {$20.00} ) asking for {$79.00} due for XX/XX/21. I called several times today and qualify for the Hardship Program which will start, according to the rep in XX/XX/21. The rep told me a payment of {$59.00} will be due XX/XX/21. I explained I don't have {$59.00} to pay, as evidenced by my request for the hardship provision. 

The rep informed me that I will go down in the record as having refusing the {$59.00} payment and will remain in a 'past due ' status for the remainder of the loan. I asked if the initial payment could be reduced to the customary {$29.00} and she told me " No. '' I asked if that wasn't the whole purpose of hardship assistance and she tersely responded : " I ... already ... explained that to you. '' I asked if it would negatively impact my credit score ( being in a 'past due ' status ) and she said it might. She suggested somehow " Paying it to catch up. '' I find that unacceptable and though I appreciate being put into the Hardship Program, I feel the inclusion comes at a price that exceeds my ability to pay, making the option a moot point.
Product: Debt collection

I am astonished by your claim that the fraudulent accounts on my credit report have been verified as accurate, as this contradicts the truth of the matter and the actions taken by other credit bureaus. It is perplexing that while other credit reporting agencies have followed suit and appropriately addressed similar disputes, your bureau seems to be neglecting its obligation to comply with the law and provide accurate information. I have not received any substantial information or evidence to support the alleged verification process that you claim to have undertaken. It is my right, under the Fair Credit Reporting Act ( FCRA ), to be informed of the specific details surrounding the verification process, including the evidence used and the entities involved in the investigation. 
XXXX XXXX XXXX XXXX  PLEASE DELETE!!! XXXX have already removed this account from their records. 
XXXX XXXX XXXX PLEASE DELETE!!! 

I urge you to conduct a swift and thorough investigation into my dispute and rectify the inaccuracies in my credit report. I expect a timely and detailed response to this letter, including the specifics of the alleged verification process and the evidence used to support your claim. I also request an immediate correction of the fraudulent accounts on my credit report.
Product: Money transfer, virtual currency, or money service

I have been a Chase customer for over 15 years and i have always used their mobile app on my smartphone every day. From XXXX XXXX of this year 2023 i have been misled by the Chase mobile App on my smartphone as i commute a lot for work so i have to check my bank balance through the app on my smartphone, Chase has not been displaying my active balance and even delaying on reporting the correct balance on my bank thus causing me to have over draft fees due to their app not displaying my active balance all it says is " we can not display your activity at this time '' i have called Chase bank and there is noting they can do to fix this issue i was told. I have a a balance of $ XXXX due to Chase not displaying my current account activity and current balance. I am hurting financially due to Chase 's own app that doesn't work, now Chase is charging me overdraft or negative fees because they failed to disclose the balance in my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Myself and the creditor have tried numerous times since XX/XX/XXXX to correct an error on my report. The creditor submitted XX/XX/XXXX to Transunion via their system " e-oscar '' for the account in question to be " deleted '', which is what the banks Transunion rep advised ; it's now XX/XX/XXXX. The creditor has tried several times in the past as well, and I have disputed it through my Transunion account, which I pay {$24.00} per month to use/monitor. Today Transunion says they have no record of any requests to correct my file ; it's been almost a year! Additionally, while logged into my Transunion account, the site I pay for, virus threats pop up on every page. I tried to talk with someone who handles their website and she disconnected me!
Product: Credit reporting or other personal consumer reports

I am filing a complaint against experian for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissons experian consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. ( FCRA ), 15 U.S.C 1681i The accounts are as followed Account name Account info Account name XXXX Account number XXXX Account type Collection Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$430.00} past due as of XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Fair Credit Reporting Act shows violations by the following accounts : 1. Collections Account : XXXX XXXXXXXX XXXX  # XXXX ( XXXX ) XXXX. Collections Account : XXXX XXXXXXXX XXXX  # XXXX ( XXXX ) These accounts violate the following sections : Section 602 Congressional findings and statement of purpose [ 15 USC 1681 ] ( a ) Accuracy and fairness of credit reporting. The Congress makes the following findings : ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy.

Section 604 Permissible purposes of consumer reports [ 15 USC 1681b ] ( 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 instructions of the consumer to whom it relates.

Section 605 Requirements relating to information contained in consumer reports [ 15 USC 1681c ] ( a ) Information excluded from consumer reports. Except as authorized under subsection ( b ) of this section, no consumer reporting agency may make any consumer report containing any of the following items of information : ( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

and Section 623 Responsibilities of furnishers of information to consumer reporting agencies [ 15 USC 1681s-2 ] ( a ) Duty of Furnishers of Information to Provide Accurate Information ( 1 ) Prohibition ( A ) Reporting Information with actual knowledge of errors. 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.

Considering my right to privacy, exclusion of reporting that isn't of criminal conviction, and the fact that I the consumer never gave the reporting agency written consent to report these accounts. The following accounts are being reported in error. Please delete the above accounts ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  and US DEPT of ED has fraudulent accounts on my credit profile that need to be removed immediately XXXX XXXX XXXX  acct # XXXX US Dept of Ed acct # XXXX this is on twice
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 Balance : {$14000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$14000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$13000.00}
Product: Credit card or prepaid card

Since XX/XX/XXXX, my Paypal accounts were closed. However, every month the account is reporting as missed payments and dropping my score by XXXX points. I have not missed any paints in over a year. I spoke with Paypal customer service at XXXX on XX/XX/XXXX about the issue. The representative told me they couldn't send me anything in writing but would notify the credit bureaus.
Product: Bank account or service

On XXXX/XXXX/2015 I received a postcard from US Bank notifying me that my account was overdrawn by {$9.00}. I immediately went online and transferred {$1000.00} from my savings account. Unfortunately by that time my account was charged {$36.00} overdraft fees and an additional {$25.00} as an extended overdraft fees. The {$25.00} extended overdraft fees may be charged every week as long as the account remains overdrawn. I have requested that US Bank provide me the courtesy to reverse the fees charged. For one I have been an outstanding customer for the last 3 years. This is the first time something like this happened or I requested fees to be waived. The customer representative waived the {$36.00} charge but said she can not waive the {$25.00} charge. I explained that I had more than sufficient funds in the linked savings account and that I immediately transferred funds when I received notification of the issue. US Bank chose to use the snail mail rather than an e-mail to notify me of the issue. In addition there is no date on the postcard as to when it was sent. Normally mail takes 24-48 hours and not 7days yet, this only postcard notifying me of the issue was received on the same day US Bank elected to charge me an additional {$25.00}. It is to be noted that the postcard notes that US Bank may charge this extended overdraft charge yet US Bank is not willing to waive this extended overdraft charge for a good customer. Interestingly US Bank may charge this extended overdraft charge every week. Can one imagine how much extended overdraft charge US Bank can allege it is entitled to charge on an account that was overdrawn for a couple of dollars yet the customer was not notified but weeks later? This practice is unfair, deceptive and abusive! In addition the supervisor that discussed the issue with me on the phone was very defensive, rude and argumentative. She was going on and on without giving me the respect to finalize what I had to say. She argued that her daughter got XXXX postcards within a week for her account when it got overdrawn. I am happy that her daughter received that courtesy. Unfortunately I received one card on XXXX and took immediate action. I received no prior notification as to this issue or I had more than sufficient funds to transfer and ensure no additional fees were assessed.
Product: Credit reporting or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

I took out an FHA mortgage loan through Loan Depot to buy our home a few years ago. Our family has run into some financial difficulties in the past year and have missed some mortgage payments. I am filing this complaint because Loan Depot has been difficult to deal with, has not given me requested information, has not completed reviews and seems to be purposely trying to stop me from getting reviewed for government programs. The only option they are providing is to reinstate the full past due amount which is now close to {$11000.00}. I am not able to do this and believe there are other options available, but Loan Depot is saying there is nothing else I can do and even if they did work to modify me it would only save me {$60.00} a month. 

When we applied for the loan my wife and I were both gainfully employed ( I have worked in the XXXX for XXXX years XXXX and my wife works in XXXX. We had sufficient incomes to pay our mortgage payment and everything was fine the first couple of years until the oil industry took a dive. Overnight my hours were dramatically cut which drastically reduced my income. In that same time frame my wife began having some major medical issues and started having restrictions at work. This made it difficult to keep a job or any type of regular hours. Because of these two issues we began struggling to keep up with our payments and eventually feel behind on the loan. We contacted our servicer Loan Depot as soon as we missed our payment to try and get them to work with us. We had been told that FHA loans had many programs available for struggling homeowners -- our income was lower than when we bought the house and we were led to believe that there were programs that could help us. We were shocked at the way that we were treated by the Loan Depot agents. It was very difficult to communicate, we had to send and re-send the same paperwork on multiple occasions and then are told that if we were to ever get approved for help we would only save {$60.00} a month so it is not really worth it. I do n't believe this is the way Loan Depot is supposed to handle our loss mitigation request ; I do n't believe that Loan Depot has given us access to all of the FHA programs that should be made available such as modification, forbearance agreement, repayment plans or partial claim. 

What is most frustrating is that during this lengthy review our delinquent amount has continued to increase -- -we attempted to make a payment a few months ago but were told that it was not possible to make a payment anymore unless we paid the entire delinquent amount all at once. This is just not possible. My wife is working full time again and my hours have stabilized and we can afford a reasonable payment. I feel that we are headed to foreclosure unless a miracle happens. That does not seem right.
Product: Credit reporting or other personal consumer reports

This morning, I saw inaccurate accounts on my credit report, and Im completely lost as to how this happened. I check my report regularly, and today there were errors that I cant explain. I even refreshed my browser, hoping it was just a glitch, but nothing changed. The accounts are still there. I feel so helpless, and Im begging for the documents Ive submitted to be reviewed carefully so I can stop living in this constant fear.
Product: Credit card or prepaid card

Bank of America posted on their website ( which is still on there as of XX/XX/20 ) FALSE ADVERTISING!!! ON THE WEBSITE IT CLEARLY STATES XXXX points for new spirit card but are only giving XXXX rather that what shows on the website. They are aware of THEIR LIE to trick people into applying and saying we dont care they refuse to fix it AND ITS STILL ON THE WEBSITE. Give us our XXXX points you owe us. Liars doing whatever they can to make a sale. How embarrassing.
Product: Credit card or prepaid card

XXXX XXXX XXXX charged my card for charges I did not approve of. I opened up a dispute with discover, and the XXXX XXXX XXXX had submitted documents in which none were billed to me or signed or approved by me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Aid Vantage ( student loans ) there are 11 of these closed accounts on my credit report that we're set up in an all in one payment. I was in forbearance in XXXX  with payments coming up soon. I stayed in contact with them and I made a payment, then a month later I noticed a 90 day late payment right after my on time payments. how is this possible. they refuse to remove it and the bureaus seem to think its ok to have a 90 day late payment after on time payments. they are also missing many on time payments sometimes many months of on time payments. and the missed payment is reported on different dates on different bureaus. last activity dates are missing. how can this be? They need to be held accountable for the hardship in financing they've caused. these are grounds for removal. They also violated my rightS under 15 usc 1681s-2 / 15 usc 1681 section 602 A.

Please review these 11 closed accounts accounts. Unless everything on my account is exactly the same and accurate on all 3 bureaus, this needs to be removed please. thank you
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX was never late! I have had exceptional payment history witH capital one 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 in 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: Credit reporting, credit repair services, or other personal consumer reports

I WENT AND CHECKED MY CREDIT REPORT AND I SEEN THESE INQUIRY ON REORT THAT I DID NOT DO AND HAVE NO KNOWLEDGE OF I HAVE IDENTITY THEFT ON MY REPORT AND THEY ARE SUPPOSE TO CALL TO VERIFY THAT IT IS ME AND NO ONE CALLED AT ALL Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX Additional details Business type Department, variety, local, regional, and national chains Contact info Address XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Phone number ( XXXX ) XXXX
Product: Credit reporting, credit repair services, 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 these reporting accounts as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and updated or removed from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

Hello my name is XXXX i`m from XXXX XXXX I think i was scammed on a XXXX crypto platform. I have meet a person from XXXX XXXX whos told me to invest in this new " meta '' crypto. She told me to buy XXXX on binance app and transfer it to another app who sells " meta ''. After buying i realised that i cant sell this new crypto and by this way i cant get my money back.
Product: Debt collection

Subject : Request for Removal of Erroneous Account and Violation of Reinsertion Under Consumer Laws Hello Sir/Madam, I am writing to address several critical issues related to an account reported by Midland Credit Management ( Original Creditor - XXXX XXXX XXXX XXXX on my credit report. After reviewing my credit reports from each of the major credit bureaus, I have discovered multiple inaccuracies associated with this account, which has caused significant harm to my credit profile. 

Details of Inaccuracies : High Balance : The high balance reported is incorrect. 
The Collection Agency- Reported the negative/erroneous remark twice which reflects as a Charge-Off and one reflects 120 days late with XXXX. This significantly dropped my score by XXXX points. This is in a direction violation of the FCRA. Requesting to be removed from my credit reports immediately. 
Date of Last Activity : The reported date of the last activity is erroneous and does not reflect the actual activity. 
Date Opened : The reported date opened does not match my records. 
Date Closed : The date closed reported is inaccurate. 
Credit Limit : The credit limit listed is incorrect. 

Furthermore, I have never had any business dealings with Midland Credit Management nor have I provided my personal information to them. The original creditor listed is XXXX XXXX, which suggests that my personal information was sold to this debt collector. This accounts presence on my credit report is not only inaccurate but was also introduced without my consent or knowledge. 

Under the Fair Credit Reporting Act ( FCRA ), particularly Sections 611 and 611 ( a ) ( 5 ), I am entitled to accurate information on my credit report. I also want to highlight that the reinsertion of this account appears to be a violation of the reinsertion rule, as it has been reintroduced after being disputed or resolved previously. 

Despite my repeated attempts to dispute these inaccuracies, I have not received a satisfactory resolution from the credit bureaus or Midland Credit Management. The erroneous and misleading information has led to significant damage to my credit score and personal distress. 

Given these circumstances, I am requesting the immediate removal of this account from my credit report. Failure to address this matter in a timely manner will compel me to escalate the issue to the Consumer Financial Protection Bureau ( CFPB ) and seek legal remedies as provided under the FCRA. 

Please acknowledge receipt of this letter and provide a detailed response on the corrective actions that will be taken. I expect a resolution within 30 days from the date of this letter. 

Thank you for your prompt attention to this urgent matter. 

Sincerely, XXXX XXXX XXXX