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

My accounts was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on XXXX. 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 XXXX XXXX. 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/updated. They are not in compliance with the following law. 15 USC XXXXb 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! XXXX XXXX XXXXb ( 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 XXXX ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 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 XXXX and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a fraud alert placed on my credit file several times that indicates anyone who runs my credit needs to call me and that has not been done and this violates my rights as a consumer. I have reached out the each credit bureau : XXXX, XXXX and Experian multiple times to advise of my credit being pulled without my permission without any resolve. I have attempted to dispute the unauthorized inquires on multiple occasions by disputes online and via phone, to no resolve. On my XXXX, reports, the inquiries are showing to be reported as of XXXX/XXXX/2017 when they in fact have been up there longer than that.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified inquiries listed below still remain on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, XXXX XXXX sections XXXX within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE REMOVE THE FOLLOWING INQUIRIES COMPLETELY FROM MY CREDIT REPORT : XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXXXXXX XXXX of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXXDate of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX XXXXDate of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am FILLING THIS COMPLAINT because the following inaccurate imprecise information in my credit report. The items are listed below : 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 XXXXXX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Transunion refusal of allowing me to have online access to my credit report like any other consumer. I've made several request to have online access so that I may monitor and establish certain credit protections like most consumers have with credit monitoring. They refuse to give me access to my own report. They only offered to mail me a copy. I explained that bout time I receive a mailed report the report wouldn't be inaccurate as credit is in real time and change by the second. I feel controlled and punished and more importantly picked on and discriminated by Transunion.
Product: Credit reporting, credit repair services, or other personal consumer reports

My complaint is against ARS Account Resolution for 13 medical billings on my credit report. This is re-aging of accounts which is not a legal practice. For this unlawful practice I requested that they remove accounts from my report, they refused. I also disputed the items through each credit bureau requesting they advise the agency of these unlawful practices. Some were removed from XXXX and XXXX. XXXX did not remove any. 
I also am filing a complaint XXXX  actually allowed the collection agency to correct the dates after I submitted my dispute for re-aging of the accounts unlawful practice an. I contacted all three bureaus and complained and resubmitted the disputes for unlawful re-aging, awaiting outcome. 
My complaint extends to all 3 credit bureaus for not handling my dispute properly and once the problem was pointed out by me by calling not complying with my request to have them removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I suspect fraudulent inquiries on my credit report. I did a thorough investigation on my credit and I did not authorize these inquiries. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Bank account or service

On XXXX XXXX, 2017 I received an e-mail from XXXXXXXXXXXX, purportedly from SunTrust Bank. This e-mail informed me that an Online Cash Manager Account had been opened in my name at SunTrust Bank and requested that I reply to complete the enrollment process. I do not have, nor have I ever had, an account with SunTrust Bank. Nor have I ever initiated the process for opening any type of account or service through SunTrust Bank. When I called SunTrust Bank their employees immediately requested my social security number. When I refused to give them that information they checked for accounts in my name. I was told that there were several accounts at SunTrust Bank that had my name on them. When I asked them to cross reference the accounts that bore my name with accounts that have my e-mail address associated as contact information they refused on the basis that they could not give out account information. In short, fraudulent financial activity is apparently being conducted at SunTrust Bank using my name but SunTrust Bank is refusing to give me any information about accounts held by them in my name. I need to know what fraudulent accounts are being held in my name at SunTrust Bank so that I can effectively pursue a prosecution of the individual or individuals who have used my identity to open fraudulent accounts in my name. Thank you for any help you can give me in this matter.
Product: Credit reporting or other personal consumer reports

Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. 
Also, I have an enclosed copy of the Federal Trade Commission id-entity theft affidavit. 
Please find it in your best interest to delete the items. 
I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case. 
Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified. 
15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report. 
15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any. information in the file of a 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. 
15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not read or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.
Product: Credit card or prepaid card

On XX/XX/XXXX I purchased an XXXX television from Bestbuy.com for {$1800.00} ( {$2000.00} with tax included ). This initial purchase was on my Best Buy XXXX credit card ending in XXXX. The television was delivered on XX/XX/XXXX. Two weeks after using the television it began malfunctioning. I called Best Buy customer support and explained the situation. They agreed to replace the defective television with a new one, the same model as the original. The television was out of stock at the time so they told me to call back in a week when they expected to have the television back in stock. I called Best Buy customer support on XX/XX/XXXX and the representative informed me the television was now in stock and they could process the return/exchange order. I purchased the replacement television on my Citi XXXX credit card ending in XXXX for the same price as the original order. The pickup/delivery took place on XX/XX/XXXX. When the delivery people showed up, they took the defective television with them but they did not deliver the replacement television. They processed my return on the Best Buy XXXX credit card for the original purchase later that day. I called Best Buy customer support about the replacement television and they informed me they did not see any order for a replacement television in their system and I was not due a television. My Citi XXXX was charged {$2000.00} and I never received the replacement television. I asked them to refund my Citi XXXX if I was not going to receive my replacement television and they refused to do so because they did not see the order in their system. On XX/XX/XXXX I opened up a dispute with Citi about the {$2000.00} charge that appears on my XX/XX/XXXX XXXX statement. I provided order details, receipts, and credit card statements to Citi to aid in their investigation. I can provide these same documents to you to help in your investigation. After a few months of investigating, on XX/XX/XXXX, Citi informed me Best Buys bank is refusing to refund my money and there is nothing else they can do. When I initially opened up the dispute on XX/XX/XXXX I was issued a conditional credit on my XXXX which has since been reversed after their investigation has been closed. Since then, I have been trying to get this sorted out through Best Buy customer support but they have not been cooperating.
Product: Student loan

I am simply trying to inquire about receiving a refund on loan payments I made during the COVID-19 pandemic. I was informed that I can receive a refund after XX/XX/2020 for any payments made. I have not been able to get ahold of anyone regarding the matter. My loans transferred from XXXX XXXX to Mohela. XXXX XXXX was great and easy to work with but instructed me that everything now had to be completed by Mohela. Mohela just has pre-recorded prompts for applications and no way to speak with a custom service representative. I see no option to inquire about my pandemic loan reimbursement. It is highly infuriating that my loan company is withholding this important information. Please help.
Product: Student loan

Requested a refund for all payments made through payment pause. I initially called on XX/XX/XXXX, and was told 90 days, and have only received a partial refund from Mohela, and none of my payments made through previous service provider. Mohela then said I had to request through XXXX XXXX. XXXX is saying they are no longer my service provider and its Mohelas job to send the remainder of my refund. Here is a timeline of all the times I called, and what happened on the day of the call. 

- XX/XX/XXXX Called Mohela to Request Refund - Mohela Claims Request Takes 5 Days - 7-8 Business Days To Process - XX/XX/XXXX Called Again - Estimated 60 Days Since I Also Had XXXX Servicer Change - XX/XX/XXXX Partial Reinstatement - XX/XX/XXXX XXXX In Bank Account - XX/XX/XXXX Called XXXX for Remainder - Request Takes 2 Weeks - 2 Months - XX/XX/XXXX Called XXXX - Can not Refund - XX/XX/XXXX Mohela Says Request for XXXX Balance Submitted XX/XX/XXXX - 90 Days to See Refund - XX/XX/XXXX Called Mohela Again, No Update - Told To Wait The time frames they have given have all initially passed with no updates on my account. Mohela is taking way too long to process my refund.
Product: Money transfer, virtual currency, or money service

Filed a complaint through PAYPAL because i sent an amount of {$75.00} USD to the wrong person. When I requested a refund, they negated my request and proceded to send the amount of money to the person.
Product: Checking or savings account

XX/XX/19 I had a direct deposit of $ XXXX deposited. 
XX/XX/19 the $ XXXX direct deposit was available in my checking account. Around XXXX I paid some Bill 's via ACH/account number. I attempted to pay a person/company I owed {$770.00} through XXXX. ( The bank policy says you can send up to $ XXXX per day ). The transfer deducted from my balance, but was pending. The transfer, a few minutes later, gets rejected. I then stop making attempts and log off. 
XX/XX/19 I log on to make sure the Bill 's I paid were deducted only to find my online access is locked, I call and phone access is locked as well. I can not reach anyone live so I call a local branch and the rep woman has an attitude and wont give any info on what's going on with the account. They never sent an email, voicemail, call, text alert, online notice or message and no written correspondence. 
XX/XX/19 all of the Bill 's I paid via ACH are returned NSF and I am charged {$35.00} fees on all of those Bill 's even though I had {$4000.00} available and did not go over paying the bills. 
They closed my account and never mailed me my {$4000.00}. I still have not gotten even a letter saying their intent to close my account or my money that was direct deposited.
Product: Credit reporting, credit repair services, or other personal consumer reports

Trans Union is sill violating my rights & breaking the law. By The Federal Credit Reporting Act, Section 609 ( a ) ( 1 ) ( a ), Trans Union is required by federal law to verify this bankruptcy on my report & they never did with physical proof. Trans Union had 30 days to prove & it's been almost 5 months! I sent them a letter from the Bankruptcy courts stating they do not report to the credit bureaus & yet Trans Union is still reporting fraud! Trans Union uses a 3rd party company to collect public info & that is against the law & any one can use your info. fraudulently. This bankruptcy is scheduled to be removed XX/XX/2023 any way, however, that is too long!! This Error Trans Union is reporting, is messing up my ability to obtain further credit for a home & car. Furthermore, XXXX XXXX XXXX have already removed this Bankruptcy, because they follow the law. I would appreciate Trans Union stop breaking the law, violating me & remove this Bankruptcy immediately. THANK YOU!
Product: Credit reporting, credit repair services, or other personal consumer reports

Previously I established an investigation of some accounts with erroneous information and after reviewing your response I perceived that some accounts are still incorrect, with verified status. 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 accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX Balance {$0.00} Date Opened XX/XX/2014 XXXX XXXX  XXXX XXXX Balance {$8300.00} Date Opened XX/XX/2014 2014
Product: Credit card

I signed up for a southwest rapid rewards offer of XXXX points and 30 % off promotional code after spending XXXX in the first 3 months. After spending the amount in the first two months I expected my rewards to be posted. I was told they would take 6-8 weeks to post. 
I spent 6 months waiting for points to post that never did. On several calls to customer service I was told theyd show on my next statement. I did received XXXX points and was told that I was mistaken and that I had signed up for another offer. I did not appreciate how business done with CHASE southwest rapid rewards credit card. 
I am requesting FULL refund of my annual membership fee and CFPB awareness of FALSE advertising by CHASE XXXX rewards credit card offers.
Product: Checking or savings account

On XX/XX/2022, {$20000.00} was direct deposited into my XXXX XXXX XXXX XXXX savings account from my employer, XXXX. That same day I initiated the transfer of {$1000.00} from my XXXX account to a newly created Citibank savings account. XXXX days later, on XX/XX/XXXX, I initiated the transfer of another {$20000.00} from my XXXX account to my Citibank account. This was a mistake by me because I had also initiated the payment of a credit card bill a few days prior that would drop my total balance in my XXXX account below {$20000.00}. Because my balance was below {$20000.00} in my XXXX account, this transfer was eventually rejected. On XX/XX/XXXX, I then initiated the transfer of {$14000.00} from my XXXX account to my Citibank account ; this transfer was accepted. 

At this point, my Citibank account had around {$15000.00} in it all which could be tracked from my employer. I then initiated a XXXX payment to my father of around {$3400.00}, as repayment for money he had loaned me previously. I don't have the exact date of this transfer but it was sometime in XX/XX/2022. This XXXX payment was successful and my account was not at around {$12000.00}. Now around this time, either late XXXX or early XXXX, I found that I was unable to login to my mobile Citibank app. I went to a local branch and they told me to call the number on my debit card. When I called this number the representative told me that my account was being closed due to suspected fraud. I was told that within XXXX days the matter would be investigated and the remaining funds in my account would be disbursed to me. After around a month, I recieved a ~ {$450.00} check from Citibank from a attempted direct deposit by my employer XXXX. Since that check, it has been almost 5 months since my account was closed and I have yet to receive the rest of the funds in my account. I have been patient and waited for the fraud investigation but nothing has happened. I have called around 8 times in the past 5 months to check on the status of the investigation and the remaining balance disbursement but there has always been no information. When I call, they always have no status update regarding the situation and are unable to give me any actionable information. The funds that ended up in that Citibank account can easily be traced back to my XXXX account and then to my employer, no fraud involved.
Product: Credit reporting or other personal consumer reports

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a 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. XXXX XXXX XXXXXXXX XXXX {$290.00} XXXX XXXX XXXX XXXX {$390.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX Balanced {$140.00} XXXX  XXXX XXXX XXXX {$460.00} XXXX XXXX XXXX Balanced {$1500.00} XXXX XXXX  XXXX Balanced : {$8700.00} XXXX XXXX XXXX Balanced {$1500.00} XXXX XX/XX/year>
Product: Debt collection

Aqua finance was included in a bankruptcy and they are still reporting on my credit, the account number is XXXX
Product: Credit card

Do not regularly use this card and was charged an annual fee on a card that had been dormant for 12 months. Payment became over due and I submitted payment 30 days late. Tried to close the account and ask for a 1 time curtesy removal of the late mark against my credit. Was told I needed to wait 1 credit reporting cycle to show removal. On XX/XX/ Barclays reported the late payment and impacted my credit score significantly. 
Called back on XX/XX/XXXX to again ask for the removal of the late payment and close my account. Was told I could close my account but that the only way to request a removal of 30 day late payment is to mail a physical letter to their FCRA department and wait to get a response back. They advised there was no other way to speak with the FCRA department other than mailing a physical letter. 
This is completely unacceptable in 2023 that the only way I can reach a fair credit reporting department and a via a physical letter with no way of knowing whether they received the letter.
Product: Credit reporting or other personal consumer reports

XXXX, Tranunion, XXXX are reporting late payments XX/XX/23 XX/XX/23 XX/XX/23
Product: Debt collection

On XX/XX/2022 I had submitted a letter asking for written verification of the debt CKS Financial is trying to collect. I had not received any information prior to XX/XX/2022 and have not received written verification by today XX/XX/2022. On XX/XX/2022 I started receiving numerous calls from XXXX on this date I have received 5 calls from this number with 3 being back to back calls. On XX/XX/2022 I again sent a letter requesting that contact be written and wanted verification of the debt. I have still not received verification.
Product: Credit reporting or other personal consumer reports

XXXX has taken over 60 days on a dispute over XXXX XXXX that were dismissed in court during XXXX lawsuits in XXXX They have refused to remove the XXXX XXXX XXXX XXXX attempted to purchase multiple times despite there being a ruling that the loans were predatory and fraudulent. My former XXXX XXXX XXXX XXXXsnt sending them information because they are collecting loans that were dismissed by a lawsuit.