23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I do not know exact dates, but I can say the following. 

First time I charged something on the card I went online the date of the first payment was due and then saw that if a customer pays after XXXX XXXX, the bill is considered late. I was not award of that, so I talked to XXXX and they agreed to remove the late charge. It appeared to be removed but then I discovered so small change wasn't removed. AND then another late charge was assessed. I wasn't aware of that charge. Thinking my balance was XXXX $ I charged a blouse for a little over {$31.00}. Thinking to get ahead of the payment I went to the store in person and paid {$15.00}. I was then totally shocked, since I paid the {$15.00} dollars before the payment due date. I called to see what was going on, and they said that I didn't pay the minimum. I wasn't aware of a minimum and hadn't seen the bill before I made the payment. I requested this be removed, I was told it would be removed, but it was never removed. Now there are over {$120.00} in late charges for a blouse that started out to be a little over {$31.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent in a letter to all 3 major credit bureaus ; XXXX, TransUnion, and XXXX. I sent the letters Certified Mail with tracking # s XXXX, XXXX, and XXXX to dispute a bankruptcy being reported on my credit report as Bankruptcy, XXXX XXXX - XXXX, with filing # XXXX filed on XX/XX/XXXX. All 3 bureaus returned letters stating that they did an investigation and verified the bankruptcy as accurate and complete. They cited XXXX and LCI Consumer Center  as the companies that verified the information. 

On XX/XX/XXXX I also sent a letter to the XXXXXXXX XXXX XXXX XXXX  XXXX XXXX. I sent this letter Certified Mail with tracking # XXXX. I asked the clerk of court if they report bankruptcy information to the credit bureaus. They sent me a letter stating that they do not report or verify any information to the credit bureaus or any 3rd party reporting agencies. 

On XX/XX/XXXX I sent letters to XXXX and LCI Consumer Center via Certified Mail with tracking numbers XXXX and XXXX. I sent these letters to dispute the same bankruptcy XXXX XXXX and request an investigation. Both companies sent letters to me stating that they conducted an investigation and verified the bankruptcy as complete and accurate. They both cited XXXX as the company who verified the information for them. 

On XX/XX/XXXX I also sent an email to XXXX  to find out if they report information to the credit bureaus or 3rd party reporting agencies. They replied with an email stating that they do not report or verify any information to any of the credit bureaus or 3rd party reporting agencies. They also state on their website that they do not guarantee the accuracy of the information on their website and any inaccurate information should be handled with the US Courts. But as I stated earlier, the US Courts do not verify information. 

On XX/XX/XXXX I sent letters again to XXXX and LCI Consumer Center via Certified Mail with tracking numbers XXXX and XXXX. I informed them both that the XXXX XXXX XXXX and XXXX both stated that they do not report or verify information. I provided copies of the letter and the email as well. They both replied again with the information being verified as complete and accurate and refused to remove this from my file. 

If this is the case, how did the credit bureaus verify this information and bankruptcy to be 100 % accurate? They could not have possibly completed a fair investigation according to 15 USC 1681.

The Credit Bureaus violated my rights several times under 15 USC 1681 : 15 USC 1681 Section 602 A states that I have the right to privacy.

15 USC 1681 Section 604 A Section 2 states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681s-2 ( A ) ( 1 ) states 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: Checking or savings account

On XXXX  I did a transfer from my savings account to my credit builder account the funds went missing I couldnt see it so I XXXX chime XXXX number it showed up chime contact us for support reach chime support XXXX XXXX XXXX XXXX XXXX I was asked questions XXXX the guy telling me my account was locked that I needed to update information to unlock it because I did a transfer of XXXX to my credit builder and it wasnt showing up n now Im out of {$1700.00} one week before XXXX my money I need help please
Product: Money transfer, virtual currency, or money service

On XX/XX/2022 I sent an international wire transfer to mainland XXXX and requested the money be sent in USD. I've done this type of transactions several times from the same branch and never had a problem delivering the amount sent in USD to the receiver. Only this time, the transfer was sent around XXXX after the cutoff time for same day process. Now we know that when a transfer is sent after the XXXX XXXX it can't go out in USD, the banker that helped me didn't know that and advised me not to worry, when I questioned him about exchange rate that showed on the receipt he gave me. He said that's how it is on all international wire transfers, the system shows the receiver hometown currency. I took his word for it. Then when the receiver got the transfer it was short {$750.00} of the {$19000.00} I sent and was expected by the receiver. 
I went to the bank for clarification and couldn't get a direct answer, but the banker by calling around found out that the money was converted in XXXX XXXX dollars then back in US dollars because the transaction was processed after hour. 
This was a Chase to Chase transfer. They couldn't figure out nor decide how to either cancel and resubmit the order or credit me with {$750.00}. I ended up sending another transfer for {$750.00}, this time it was done right and the receive got the transfer in USD. 
I just want {$750.00} credited to my account.
Product: Credit reporting 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. 


Account Name : XXXXXXXX XXXX XXXXXXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX XXXXXXXX # XXXX Account Name : XXXX XXXXXXXX # XXXX Account Name : Bankruptcy # XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card

On XX/XX/year>, I paid an additional {$99.00} for luggage at the airport due to a misjudgment by a XXXX XXXX staff. The specific situation is that when I was preparing to board the plane, I did not put my computer bag in the backpack that I carried with me, which met the free carrying size, causing the staff to think that I brought two bags and was asked to pay at the nearby counter. This computer bag is a very thin bag that wraps around the computer ( which can be seen as a backpack compartment ). Originally, it was placed in the backpack. So in fact, I only carried one piece of luggage, which is my backpack. At that time, I mistakenly thought I couldn't carry any backpacks, and I was in a hurry to board the plane, so I paid for it. But later I found out that the backpack I carried met the free luggage standard. I don't understand if that staff member forced me to pay the fee without careful examination out of discrimination. Overall, this luggage fee was misjudged, so I request a refund. 

On XX/XX/year>, I contacted customer service on the official website of XXXX XXXX, and they agreed to help me solve the problem and create a request number for me. That evening, I received an automatic reply email requesting me to provide the email address used for ticket purchase, and I informed him of the information he needed. But since then, I have not received any reply from XXXX. Even if I proactively sent them an email to inquire about the progress, I did not receive a reply. On XX/XX/XXXX, I contacted the customer service on the official website again, and the customer service asked me to wait for 30 days. If there is no reply, I can contact the customer service again. 

Around XX/XX/year>, I contacted the customer service on the official website again, and the customer service said he/she would arrange an expert to solve my problem and let me wait for emails. On XX/XX/XXXX, they created another new request number for me and sent me an email asking for the email address I used to purchase tickets again, and I replied to him like before. Since then, I haven't received any response. 

My communication with XXXX XXXX ' official website customer service has been very difficult. They respond slowly and pretend to solve problems for customers, but in reality, they only create useless request numbers for customers. Their mechanism for handling requests is also useless, and there was no one to investigate and solve my problem from beginning to end, wasting a lot of my time and energy. 

On XX/XX/year>, I disputed this transaction to the BofA Bank. The bank first issued credit, but on XX/XX/XXXX, the bank deducted this {$99.00} without any explanation. And I can't find any way to inquire about the reason for my claim failure. When I find it difficult to claim compensation from merchants, the bank 's approach is irresponsible.
Product: Credit reporting or other personal consumer reports

XX/XX/year> Subject : Complaint Regarding Inaccurate Late Payments on XXXX  Account Dear CFPB, I am submitting this complaint regarding inaccurate late payments reported on my credit file by the credit reporting agencies XXXX, Experian, and XXXX. I believe these late payments are erroneous and do not accurately reflect my payment history, as I have consistently made payments on time. 
Nature of the Complaint Inaccurate Reporting : The late payments for XXXX, XXXX, and XX/XX/year> on XXXX and for XXXX, XXXX, and XX/XX/year> on Experian and XXXX are inaccurate. 
My records clearly show that I was enrolled in autopay, ensuring timely payments. 
Violation of the Fair Credit Reporting Act ( FCRA ) : The reporting of these late payments violates my rights under 15 USC 1666 ( b ) as they misrepresent my creditworthiness.

Potential Violation of Fair Debt Collection Practices Act ( FDCPA ) : The false reporting of these late payments may also constitute a violation of the FDCPA, which prohibits misrepresentation of account status.

Truth in Lending Act ( TILA ) : These reporting practices are in violation of the TILA, which requires accurate reporting of credit obligations.

Under the FCRA, sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2 mandate that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of consumer files. Articles 15 USC 1681n and 15 USC 1681o further outline civil liability for willful and negligent noncompliance with these provisions. 
Summary of Account Details and Errors The XXXX account shows consistent discrepancies across all three credit bureaus. 
XXXX : Late payments inaccurately reported for XXXX, XXXX, and XX/XX/year> as XXXX, XXXX, and XXXX  days late. 
Experian : Late payments inaccurately reported for XXXX, XXXX, and XX/XX/year> as XXXX, XXXX, and XXXX  days late. 
XXXX : Late payments inaccurately reported for XXXX, XXXX, and XX/XX/year> as XXXX, XXXX, and XXXX  days late. 
These errors directly contradict my payment history and enrollment in autopay. 
Requested XXXX I request that the inaccurate late payments be removed from my credit report with XXXX, Experian, and XXXX. These entries do not reflect my true payment history, as my account was enrolled in autopay. I expect a thorough investigation and the correction of these errors within 30 days of receiving this complaint, as required by law. 
Please confirm in writing the removal of these entries. Failure to resolve this issue may lead to further action to protect my rights under the FCRA, FDCPA, and TILA. 
Attachments Copy of my Government-Issued ID Copy of my Social Security Card Proof of Current Address Copy of my Credit Report showing the disputed errors Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

my credit card number was used to make purchases by someone I do not know. I contacted the credit card company to report the fraud situation. they closed the card and a new one was to be issued. I specifically asked if the new card would continue with the info from the original card ( years of ownership and number of months of good payments ) and I was told yes. 
the new card was issued and I made a charge and a payment. at first the credit bureau was showing the card as closed. now they are showing it as REMOVED. this dropped my score! I have sent numerous secured messages to the credit card company about both issues and also many phone calls. Now the credit bureau is showing an inquiry made by the credit card company. I DID NOT authorize the hard inquiry. I contacted the credit card company again about this. nothing has been done except for getting robo emails from the credit card company.! want the hard inquiry removed and a written letter confirming this has been done. Since I have a fraud alert in place with all 3 bureaus I have no idea how the credit card company was able to do this. I want their fraud alert access procedure investigated.2. I want the replacement card to show the 49+months of excellent payment history and the correct payment amounts on my credit report .3. I want the credit card that was removed from from my credit report to be reinstated on my report with the accurate info ( see number 1 ) this has been going on for several months and has been very time consuming on my part.
Product: Credit reporting or other personal consumer reports

My account with ( 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 in ( MONTHS REPORTING LATE ) to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


( XXXX  ) 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 sent a complaint last XX/XX/XXXX, containing disputed items that I want to be deleted. Here is the list of items that I want to be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX  XXXX, CA XXXX XXXX XXXX XXXX, CA XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$9800.00} XXXX XXXX XXXX Balance : {$870.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$320.00} ( Original Creditor : ) XXXX Balance : {$300.00} XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX this as a follow-up to my previous complaint to make sure the listed items are removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi i sent a letter on XX/XX/22 to dispute a account on my consumer report that is not accurate. XXXX got the letter on XX/XX/22, trans union got the letter XX/XX/22 and XXXX got the letter XX/XX/22. I also sent a copy or driver license and a bill showing my address. They sent me a letter stating that the account been verified. UNDER 15 USC 1681i ( c ) ( 5 ) -Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Product: Debt collection

XXXX, which is my phone service was hacked. It was all over the news. It was everywhere right afterwards I started receiving notices from this trust asset strategies, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MN XXXX. Reference # XXXX First thing I did was go to XXXX and showed them the notice they said you know what this is not a stationary. It is because this is part of the fraud thing that happened months ago, you do not owe as a XXXX at the den you {$50.00} per month and your account is current. 
The second thing I did was informed this collection agency of that information and ask them for proof and they said something to the effect of about a XXXX which I do not have XXXX  and never have and as a last I heard, other than getting notices from time to time. 

I have no documentation, no proof nothing and it came from some hacker organization that probably does this every day all day long.
Product: Debt collection

this is a new complaint with reguards to stuart-lippman and associates a collection agency as i was involved in a accident on XX/XX/2020 as the other person involved in the auto accident they insurance company which was XXXX XXXX paid for they car damage of XXXX as XXXX insurance turned over the amount of the car repairs to stuart-lippman and associates as i was in contact with a person name XXXX XXXX who work for stuart-lippman and associates collection agency as she stated she attempting to collect a debt which was XXXX i told her i am disputing the car accident because i was not at fault in the auto accident because i did not run a red light so XXXX XXXX told me that she is submitting documents to the dmv to have my license suspended as she told me this more than once if i dont pay the XXXXon XX/XX/2020 XX/XX/XXXXXXXX submitted documents to the dmv to have my license suspended as i did some research and talk to some attorneys with legal aid a collection agency can not submit documents to the dmv to have my license suspended thats a violation of the fair debt collection practice act i faxed the documents to stuart-lippman and associates that states that a collection agency can not submit documents to the dmv to have to someone license suspended as XX/XX/XXXXXXXX did that on XX/XX/2020 i contacted XX/XX/XXXXXXXX and ask her can she show me documents that state that a collection agency can submit documents to the dmv to have my license suspended she told me she will have to contact her manager her manager XXXX XXXX contacted me and i ask her also can she show me any type of documents that states that a collection agency can submit documents to have someone license suspended she told me she cant show such documents of that i ask her repeatdly and i also told her that a collection agency can not submit documents to the dmv to have someone license suspended she said yes they can i said again can you provide me documents that states that she said she cant also on my first complaint in a response to my complaint a person said that the collection agency is required by our clients to notify the appropriate state agency that handle responsibiltiy issues as i want stuart -lippman and associates to provide documents to me stating that a collection agency can subit documents to the dmv to have someone license suspended as i provided documents to stuart -lippman and associates that they can not do that because they dont have the power to tell the dmv what to do only the court system can not a collection agency so im requesting documents from thus collection agency stating they can subit documents to the dmv to have someone license suspended as this place is in violaton of the fair debt collection practice act
Product: Credit reporting or other personal consumer reports

I'm submitting this complaint in response to a notification on my credit report. The files reported are inaccurate and erroneous and are 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. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Product: Debt collection

As a consumer I recieved a copy of my credit report, with reviewing my credit report I have notuce that LVNV have been violating my rights as a consumer, they are harassing me, defaming my character, jeopardizing my family, hurting my future, according to 15 USC 1692 they have to pay {$1000.00} per violations. The list of violations are 15 usc 1692 b2, 15 USC 1692 b ( 4 ), 15 USC 1692 c1 ), 15 USC 1692 c, 15 USC 1692 d, 15 usc 1692 f. I have attached an copy of my FTC, License, and SSC.