23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I recently pulled my credit report on XX/XX/XXXX. I've noticed that XXXX, XXXX, and Experian are reporting inaccurate, duplicate accounts, different payment status, different worst delinquency, and reporting on a account that was closed XX/XX/XXXX. 
Account number XXXX XXXX XXXXXXXX XXXX  is reporting payment status for XXXX and XXXX as ( Paid or Paying as agreed ). While Experian is reporting legally paid in full for less than full balance. This account was closed on XX/XX/XXXX. This account reported 30 days late on XX/XX/XXXX and a charge off after I closed it on XX/XX/XXXX. How is this possible that they reported inaccurate and incomplete information when the account was paid and closed months earlier. XXXX reported a 30 day late payment as well on XX/XX/XXXX after the account was closed. Now XXXX is still running this account as active in XXXX ( See Attached supporting documents ). 
I have sent a certified letter to this company on XX/XX/XXXX requesting that they send me the original contract. I never received any documents nor did receive any response in all this time. I am requesting that this account be DELETED from my XXXX, XXXX, and Experian credit profile. They have violated FCRA and continues to do so as of today.
Product: Checking or savings account

After being a ten plus year customer with Citibank I had discovered that XXXX was owed to me for Fraudulent charges that someone hacked my account with Citibank and over s year was paying a XXXX XXXX credit card and doing other debits under my checking and routing number with my name and information. I filed proof and a police report to show I had no affiliation with these charges. I appealed twice with my proof and Citibank caused me to have financial hardship during the covid 19 pandemic and I feel that I have been discriminated against and have no power to have a honest chance to refute this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have received an email from XXXX to tell me that I have a negative impact on my credit report upon checking my report I found that XXXX XXXX reporting that Im late more than one month for my monthly payment. 
Accordingly I called XXXX XXXX  and they informed me that it was a mistake from the administration team and it shouldnt been reported and they will try to fix it with the credit report. 
I complain today because this such mistake caused me lost XXXX points from my score and my goal to achieve above XXXX  credit score was destroyed for such mistake and now I will never be able to being approved to get a conventional mortgage in order to be able to buy any apartment in New Jersey especially I got denied for over than 20 times to buy because my current mortgage is FHA loan which is declined by most sellers in NEW JERSEY. 
Please note that the credit bureaus are taking so long time when they add a positive impact on credit profile and they are very fast for negative ones. 
I have been fighting hard in the last year to buy a place to live with my family and I cant because the FHA loan that is being declined by most sellers either individual sellers or companies.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER:XXXX to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> 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.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. 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 ) ( a ) 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: Payday loan, title loan, or personal loan

I applied for a loan after calling OneMain to attempt to pay some expenses. The person on the phone rushed me to scroll past some text and check to sign. I only discovered months later that I had incurred a {$6000.00} fee on a {$9000.00} loan, essentially a 66 % fee. This was added to the principal, which was itself at a 25 % APR. This meant that year one of the {$9000.00} loan, I would potentially pay {$9700.00} in interest and fees alone. This was incredibly unclear in the call and in the app, and even afterwards, when my father was attempting to help me understand the loan terms, the app did not make them remotely available. The website was similarly obscured and viewing billing statements does not work in XXXX mobile browser, so I had to view the billing statements on a desktop just in order to see the loan terms and the fee I'd been charged. It was presented incredibly unclearly on the bill, as some sort of refunded interest (? ) and I had to talk to another customer service rep to even understand what had happened. They too had to do research to understand the chain of events. 

The murky terms, the hasty sales presentation, the exortionate rates- these practices strongly feel both Deceptive and Abusive.
Product: Checking or savings account

PNC will not allow me to sync my account with apps or other accounts.
Product: Debt collection

On Sunday XX/XX/2018 I received a call from Penn Credit Corp at XXXX. Which is a debt collector attempting to collect a debt in the amount of {$800.00}. On behalf of the energy company XXXX, whereas I also feel and know I don't owe that much due to service being for short period of time. I'm filing a complaint because this isn't the first time Penn Credit Corp attempted to contact me on a Sunday. Not to mention the automated recording asked how would I pay the debt, and if I would like to contact them during business hours. Stating they weren't even open if I wanted to discuss the matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I realized that I have a ton of inquires that I did not authorize and it is a lot of work to contact these companies. By time I get off work the credit reporting agencies are closed. Being that XXXX, TransUnion and XXXX are reporting these inquiries I would like them to remove them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I initially submitted a dispute with Experian regarding the following accounts reporting on my credit report : XXXX # XXXX and XXXX # XXXX. I am a victim of identity theft and notified Experian that multiple inquiries as well as charges were made in my name that I did not authorize. I sent 3 disputes via certified mail, beginning XX/XX/2020 as well as the police report. On both of my XXXX  accounts, there is an inaccurate late period for XX/XX/2020. Before I realized that unauthorized charges were made, I paid my account balance in full. When I disputed for the third time, I even provided Experian with the credit card statements for each account, as welI as my bank statements showing the amounts due, drafted from my account and drafted on time. Despite my disputes regarding these fraudulent late payments and my requests for proof of verification of these accounts, Experian is the only bureau that still negligently keeps these unverified late payments on my credit report. The other two bureaus have deleted these two late payments, as they are incorrect, unverified and fraudulent. It has been 94 days and Experian refuses to resolve this issue and I have even been sent a letter by Experian, stating they will not investigate further, when they never truly investigated these accounts in the first place. FCRA states that any information that can not be verified and that is fraudulent must be deleted. Experians willful neglect of the wrong information on my credit report is not only damaging my ability to acquire credit, but is a violation of FCRA. These late payments need to be deleted or I am fully prepared these take matters to the court, retain counsel and sue for the states maximum for each violation of FCRA.
Product: Credit reporting or other personal consumer reports

Based on, 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate.

In accordance with the Fair Credit Reporting Act, the list of accounts has violated my federally protected consumer rights to privacy and confidentiality under the 15 USC 1681. These accounts have violated my rights.

Pursuant to 15 USC 1681 section 602 ( a ) states I have the right to privacy.

Pursuant to 15 USC 1681 Section 604 A Section 2 ; It also states a consumer reporting agency can not furnish accounts without my written instructions.

I am requesting for the original copy of the agreement & terms & condition. Failure to comply will forfeit your claims and will require you to delete all the list of items above. You are required to do what I am asking and block these transactions from being reported to my consumer report WITHIN 4 DAYS from the date of receipt of this notice. I LOOK FORWARD TO YOUR RESPONSE.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am very disturbed and upset the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60 days. I need this account deleted or updated. This is the item I demanding to be deleted immediately : Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate it lists the bankruptcy court as the furnisher thats forgery and misleading when the courts dont report this type of account XXXX  XXXX Bankruptcy Case Number : XXXX Please remove this bankruptcy from my Public record
Product: Credit reporting or other personal consumer reports

XXXX Fraud was reported on the card in 2020. They closed the account. Would not let me pay anything towards the account. It has been in charge off status since 2020. They say the balance is {$7300.00} They say they will not except payment or remove from my credit report. I am getting no resolution from this company. I have made several attempts to get it removed from my credit, but they refuse to help me in any way. I believe this is against my rights as a consumer and it should be removed from all credit reporting agencies.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding zelle handling of disputes particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using zelle numerous times and reporting discrepancies, my financial institution and zelle failed to investigate my claim ( XXXX ) adequately. They informed that recovering lost funds was impossible and that tracking these transaction was unfeasible. The CFPB 's finding indicate that zelle has not only neglected to protect consumers but has also allowed repeat offenders to export the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises concerns about consumer safety.
Product: Debt collection

I have XXXX which I get XXXX my first credit one was my first XXXX XXXX  card .I was young at the time didnt even know how to use one .but wasnt working and only had my XXXX check which Im still on to this year. I need forgiveness and its been a few years I feel like I deserve another chance to better be credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022 I disputed this account for violating FCRA regulations TILA the credit XXXX/Bridgecrest is violating consumer laws by reporting and aid and abetting in furnishing this inaccurate report on my credit profile. 

I had no luck reaching out to the inforamtion on my credit profile for the number listed is not working. These violations are serious and harming my credit report by violating USC 1681 ( S ) ( 2 ) & ( 3 ) & Fair Debt Billing Act. 

I would like the formal and orginal instrument of indebtness and all loses on books to see where is the numbers from this account is coming from. I have been getting no reply from the creditor and XXXX reps are no not giving me any names numbers or anything. this company is rude and hols your personal information hostage when trying to correct them. 

If a creditor sales something or transfer the debt the balance and other factors should go into play and be corrected. THIS IS FRAUD ALL AROUND.
Product: Debt collection

I discovered an account listed on my credit report for {$2200.00} on XX/XX/XXXX. I proceeded to dispute the trade line with the collection agency via FDCPA dispute letter dated XX/XX/XXXX. They have not responded to my dispute letter. I have submitted dispute reports to both credit bureaus as well. I have notified the Attorney General of the State of Texas as well, as they operating illegally in regard to the Texas Debt Collection Act. They do not carry a bond and are not registered with the Secretary of State or Texas Comptroller. They do not have a registered agent in Texas for service of process.
Product: Checking or savings account

I opened an online savings account at XXXX on XX/XX/2023. My account has been restricted and frozen since I opened it and transferred money into it. Ive asked multiple time when this will be resolved and why it happened. The only response is that it is being looked at for fraud and that there is nothing else they can do and they cant tell me when it will be resolved. I transferred over $ XXXX and now its stuck in limbo and I dont know what else to do. I cant transfer money, withdraw money, use debit card, etc.
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or removed. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XX/XX/XXXXXX/XX/XXXX
Product: Checking or savings account

We opened an additional checking account in XXXX of this year at US Bank. This is one of many accounts we have there. At the time of opening, I specifically asked the rep if there would be any fees on this account, and she stated no fees, due to the " package '' we are in. We have discovered they started charging us inappropriately since XXXX, and they only will reverse one month of fees, instead of at least 4 months of fees. This was not our fault, and we were lied to. 
I want all fees since XXXX reversed.
Product: Credit reporting or other personal consumer reports

The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 

XXXX XXXX XXXX XXXX XX/XX/2022 XXXX I attach, along with the dispute, my fraud report that I just sent to TRANSUNION for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX The credit companies are not complying with their own policies in a timely manner.
Product: Credit card

I put in a dispute XX/XX/2023 and then told to reset my XXXX password which I did so I then woke up the next day ( XX/XX/2023 ) to my account being locked after several attempts and multiple representatives and supervisors I was told it was under review and would get solved by end of day by some or within 24 hours by others or they wouldnt even give me a time frame. I then got an email on Friday night ( XX/XX/2023 ) at XXXX that said Thank you for contacting Apple Card with Goldman Sachs about your account restrictions. Our records indicate your issue was resolved on XX/XX/2023. but unpin checking my Apple wallet my account was still restricted. I contacted them again to a supervisor telling me they were escalating a case to find out why after the review the reason behind why my account was still not unlocked. So then I called back the next day to be told it would take 10 days for a review and that I would just have to wait. I believe they just keep pushing me aside and that Im constantly getting false information from different reps and supervisors. Today when I was reporting all this I was told I would get a call from a Apple Card manager that basically told me theres nothing they can do and I would just have to wait and then they hung up on me. I would like some clarification on what is happening and to get this resolved as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

As of XX/XX/XXXX, there are multiple unauthorized inquiries and derogatory/collection accounts reported to my credit. Here are the following ; as of XXXX there is a collection that is derogatory of {$0.00} reporting to my credit from FAIR COLLECTIONS & OUT. Multiple attempts have been made for removal. As of XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX there is an unauthorized inquiry for a loan reporting to my credit XXXX XXXXfrom original creditor XXXX. Multiple attempts have been made for removal. As of XX/XX/XXXX there is an unauthorized inquiry for an auto loan to my credit from XXXX XXXX XXXX original creditor is XXXX XXXX. Multiple attempts have been made for removal. As XX/XX/XXXX there is an unauthorized inquiry for an auto loan from XXXX XXXX original creditor is XXXX XXXX. Multiple attempts have been made for removal. As of XX/XX/XXXX, there is an unauthorized inquiry for an auto loan from XXXX  XXXX XXXX original creditor is XXXX  XXXX XXXX. Multiple attempts for removal have been made. As of XX/XX/XXXX an unauthorized inquiry was made for an auto loan from XXXX XXXX XXXX original creditor is XXXX XXXX XXXX Multiple attempts have been made for removal. As of XX/XX/XXXX there is an unauthorized inquiry made for an auto loan from XXXX. Multiple attempts for removal have been made. As of XX/XX/XXXX there is an unauthorized inquiry for an auto loan from XXXX XXXX XXXX Multiple attempts have been made for removal
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXXXXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX 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 60 days 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 XXXXXXXX XXXX XXXXXXXX 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 8
Product: Credit card

I lost my Chase credit card, so I requested a new one. It's taking some time to arrive, so I called to inquire about the status. The agent on the phone said that because it had not arrived yet, I " was not in possession of the card '' and so he " needed to cancel it. '' That is an obviously asinine statement that contravenes Chase policy as well as common sense. Because the agent clearly could not comprehend the situation, I requested to be transferred to a supervisor but instead, the agent hung up on me. 

I called back to submit a complaint and to ask for more information about how the agent could be so clearly misguided. I was not sure if it was a product of Chase 's computer system giving him faulty guidance. The supervisor said Chase would investigate, but I have not received further information. 

I rely on my Chase card for many vital functions in day-to-day life. Chase 's indifference to its customers affects me significantly.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
U S DEPT OF EDXXXX XXXX U S DEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DPT EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

I was the victim of fraud, I request proof from XXXX XXXXXXXX XXXX which they never provided and the case went to court and I was ruled against because I had no proof, the court issued garnishment against my wages which has been deducted weekly from my salary and paid to the attorneys representing XXXX  XXXX XXXX, which is not applying it to my account and continues to report me late monthly and also an incorrect amount.