23daVinci/CFPB_Complaints huggingface dataset:
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 : XXXX Account XXXX Account Name : XXXXXXXX XXXX Account XXXX Account Name : XXXXXXXX XXXX XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXXXXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX, XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXXT Account XXXX has violated my rights. Or a list of inquiries : 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: Prepaid card

I am writing to express my deep frustration and disappointment with an incident that occurred today at Bank of America 's ATMs on XXXX XXXX in XXXX XXXX CA. When I attempted to withdraw cash, the ATM retained my XXXX card. Upon entering the bank for assistance, I was informed that there was no way to retrieve the card and that I would need to order a replacement. 

What makes this situation even more distressing is that the staff mentioned this had been happening all morning, affecting several other customers. Despite knowing about the issue, no sign or warning was posted on the ATM to alert us of the problem. 

As a result, I am now without my XXXX card, leaving me unable to access essential funds for food and transportation to work. The replacement card will take a week to arrive, which puts me in an incredibly difficult position. 

Given the significant inconvenience and hardship this has caused, I am requesting financial compensation to help cover my immediate needs during this period. I hope you can understand the impact this has had on my daily life and consider taking steps to prevent this from happening to others in the future. 

Your immediate attention to this matter and any assistance you can provide would be greatly appreciated.
Product: Payday loan, title loan, or personal loan

I am looking at our loan agreement. 

There is no penalty for early payoff. There is also nothing that said there were closing costs in the loan. When we called and wanted to make sure that we could cancel the autopayment they told us that there was a closing fee. 

This was never disclosed. 

We made a payment of {$42000.00} on XX/XX/2021 before the Loan started. 
We then made a second payment of {$130.00} on XX/XX/2021, of which XXXX cents was refunded to us. 

I would would like a credit for {$130.00} for the deceptive closing fee that was not disclosed to us at the time of signing. 

There is no line item for the closing fee just what was told to us over the phone. What i see is some weird additional principal for {$27.00} and interest of {$0.00} a fee of {$100.00}. Again that fee was never disclosed to us. Additionally there is no way that we can have principal on a loan that we paid off on XX/XX/2021.
Product: Credit reporting, credit repair services, or other personal consumer reports

Moneylion incorrectly reported me as 30 days past due in the months of XXXX, XXXX, XXXX, and XXXX. In the case of Moneylion, the company would not show reflection of payments made for up to 14 days after the payment made. They even reported me late In XXXX when the loan had already been paid IN FULL by XX/XX/XXXX. 

In this case, I will need credit report adjustment as well as a credit for a misapplied payment that was double charged and not applied in the amount of : XXXX dated XX/XX/XXXX XXXX dated XX/XX/XXXX XXXX dated XX/XX/XXXX Additionally, money lion has failed to apply points to my account in the amount of XXXX points for special offers. Please process a payout in the amount of XXXX to cover the existing XXXX points and close my account once credit adjustment and other adjustments are complete.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a credit dispute on XX/XX/20 with XXXX  regarding Selene Finance. I have never had a mortgage or signed/agreed with Selene Finance for the said amount. All XXXX  did was investigate for one day and updated nothing. The entire information is incorrect the amount is well over the mortgage for the home that I showed proof of. They gave an automatic response without looking into this. I believe its mortgage fraud showing on my credit report.
Product: Debt collection

Wakefield and Associates contacted me via text message during a meeting that exposed to my colleagues about a collection account. My colleague was reading out the text from my phone with my boss. I called Wakefield and Associates and no one would provide any bill that I owed. They said I had to request bill from them by mail. They kept sending multiple texts after they were told never to contact me through text and they had to send me a bill directly to my home Address. I also told them that XXXX XXXX XXXX already collected this debt on behalf of the hospital and its associates 2 weeks prior. My wife has also contacted the hospital to notify them of Wakefields practices. They have now on XXXX XXXX put a collection account on my perfect credit that they have never supplied a bill for. Please help!
Product: Credit reporting or other personal consumer reports

Im not responsible for 3 credit cards on my credit report because of identity theft. The accounts are XXXXXXXX XXXX, First premier bank and XXXXXXXX XXXX. I have filed a FTC identity theft report. 15 U.S. Code 1681c2 - Block of information resulting from identity theft ( a ) Block Except as otherwise provided in this section, 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 by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Delete fraud alerts off of my credit XXXX : XXXX XXXX # EFCRA EXTENDED FRAUD ALERT : ACTION MAY BE REQUIRED UNDER FCRA BEFORE OPENING OR MODIFYING AN ACCOUNT. CONTACT CONSUMER AT ( XXXX ) XXXX XXXX & XXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX OR EVENING XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XXXXXXXX 

XXXX : FRAUD VICTIM. 'EXTENDED ALERT '. CONSUMER HAS REQUESTED AN ALERT BE PLACED ON THEIR CREDIT FILE.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of certain adverse credit information from my credit report. As a victim of human trafficking, specifically debt bondagewhich falls under XXXX as defined by the XXXX XXXX XXXX XXXX ( b ) ( XXXX ) XXXX and XXXX ( b ) ( XXXX ) I have incurred debts that are a direct result of this criminal activity. 
Per the guidance from the Consumer Financial Protection Bureau ( CFPB ), I am providing a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX XXXX bondage. 
According to Section XXXX of the Fair Credit Reporting Act ( XXXX XXXX. XXXX ), credit reporting agencies are required to block and remove any adverse information resulting from XXXX XXXX within XXXX business days upon receipt of sufficient documentation. Furthermore, XXXX2 C.F.R. 1022.142 mandates the immediate removal of such information.

I have provided all necessary documentation, including a victim determination letter in accordance with 12 C.F.R. 1022.142 ( b ) ( 6 ). As only two forms of documentation are required by law, I trust that the enclosed materials suffice for this request. 
I also request the immediate removal of any negative accounts linked to my credit profile, written confirmation of these actions, and assurance that the negative information will not reappear on my credit report in the future that resulted from XXXX XXXX
Product: Debt collection

The Rep has called me at least 4 times per day with stating that they will take some kind of legal action.
Product: Checking or savings account

I was able to transfer XXXX from my Ally account to another bank on XX/XX/XXXX. Then I transferred it back to Ally when they raised their rates. When the other bank raised their rates to exceed Ally 's, I again went to transfer the XXXX - but was not able to, and got a message " This amount exceeds your transfer limit. '' I messaged Ally to ask what's up and XXXX wrote back that Ally has a daily limit of XXXX for outgoing funds. I messaged back that Ally did NOT have that limit a couple weeks ago when I transferred funds, and they did not inform me of any change. XXXX wrote back ; she obviously did not read what I wrote, as she responded that " There is NO dollar limit for internal transfers. Due to a system limitation, some XXXX receive an error message when attempting to schedule a single internal transfer. ''
Product: Credit reporting or other personal consumer reports

REMOVE THIS COLLECTION IMMEDIATELY,15 USC 1681A 2B, ANY OTHER PURPOSE AUTHORIZED UNDER SECTION 1681B OF THIS TITLE. 2 EXCLUSION- EXCEPT AS PROVIDED IN PARAGRAPHS ( 3 ) THE TERM CONSUMER REPORTS DOES NOT INCLUDE ( a ) SUBJECT TO SECTION 1681-3 OF THIS TITLE, ANY ( I ) REPORT CONTAINING INFORMATION AS TO TRANSACTIONS OR EXPERIENCES BETWEEN CONSUMER AND THE PERSON MAKING THE REPORT ; COMMUNICATIONS OF THAT INFORMATION AMONG PERSONS RELATED BY COMMON OWNERSHIP OR AFFILIATED BY CORPORATE. THE INFORMATION MAY BE COMMUNICATED AMONG SUCH PERSONS AND THE CONSUMER IS GIVEN THE OPPORTUNITY, BEFORE THE TIME THAT THE INFORMATION IS INITIALLY COMMUNICATED, TO DIRECT THAT SUCH INFORMATION NOT BE COMMUNICATED AMONG SUCH PERSONS ; ( B ) ANY AUTHORIZATION OR APPROVAL OF A SPECIFIC EXTENSION OF CREDIT DIRECTLY OR INDIRECTLY TO A CONSUMER CONVEYS HIS IR HER DECISION SUCH NITICE MAY BE GIVEN TO A CARDHOLDER, Y PRINTING THE NOTICE OB ANY CREDIT CARD, OR ON EACH PERIODIC STATEMENT OF ACCOUNT, ISSUED TO THE CARDHOLDER, OR BY ANY OTHER MEANS REASONABLY ASSURING THE RECEIPT THEREFORE BY THE CARDHOLDER. ( I ) THE TERM CREDIT CARD MEANS ANY CARD XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

XXXX XXXX  XXXX XXXX. XXXX, 2021 ( XXXX yrs, XXXX m Amount {$560.00} I called the company and the credit bureaus, and explained to them that I was a victim of identity theft. My roommate stole my information and presented to be me and got multiple credit cards in my name without my permission.
Product: Credit reporting or other personal consumer reports

TransUnion is not removing Hard inquiries from my credit report that is passed the XXXX  of date
Product: Mortgage

XX/XX/2020, I had sold my house under the representation of my realtor and attorney. ( joint with my ex-husband ). 
Two years later, HUD states we owe them over {$16000.00} including fees and interest. Originally {$11000.00} and they had sent wage garnishment without contacting either myself or my ex. 
After research, I found out that HUD was sending letters to the old address of which we sold the house. I have been in communication with HUD. I have sent in a letter for an appeal, all the proofs I had from the sale of the house and my address change information including mail received with the new address. I have given HUD a full explanation of our account. I have also contacted the mortgage company and have not received reasonable action. 
My attorney and myself have received the title and payoff letter from Midland stating " XXXX balance. '' This is a clerical issue on Midlands behalf and I will not be responsible for their operational errors.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXXXXXX XXXX Hard Inquiry done without my authorization XXXX XXXX XXXX XXXX- Hard inquiry done without my authorization XXXX XXXX XXXX XXXX Hard Inquiry done without my authorization XXXX XXXX XXXX XXXX Hard Inquiry done without my authorization XXXX XXXX XXXX XXXX Hard Inquiry done without my autorization
Product: Debt collection

I was contacted about a debt from a third party debt collector about an assume debt. I believe my information was stolen and used
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate information on my credit report and to address the violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically section 1681o, which outlines civil liability for negligence for failure to comply with the Act. I believe that Experian has failed to properly investigate my dispute or follow the required procedures as mandated by the FCRA.
Product: Bank account or service

This Complaint is made against XXXX XXXX and XXXX Bank Of America. 
1. I make a consumer complaint with the Illinois XXXX XXXX XXXX against XXXX XXXX XXXX and Bank Of America for engaging in violation of the Illinois Consumer Fraud & Deceptive Act. 
2. XXXX XXXX in retaliation had XXXX XXXX 's Bank of America accounts closed and XXXX 's XXXX Credit Card account XXXX XXXX XXXX XXXX which was in good standing and paided on time as agreed, I was never late paying on a credit card payment the entire time the Credit Card was issued. 
I also was advised that My checking account will be closed by Bank of America before XXXX XXXX, 2016. 
XXXX XXXX XXXX and Bank of America has engaged in retaliation for making a complaint with the Illinois XXXX office as a XXXX Senior Citizen, by closing out my Checking and Credit Card accounts.
Product: Credit reporting or other personal consumer reports

I appreciate you making the effort to remove some of the data on my credit report, but there are still items that need to be fixed/updated. The XXXX Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX509**** DPT XXXX 1502**** XXXX XXXX  1679**** Original Creditor : PXXXX  XXXX XXXX  XX/XX/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 XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Mortgage

attached are 2 documents received on XX/XX/year> showing again, that the loan owner is XXXX, XXXX sent by XXXX, their collection arm of the business. 

XXXX XXXX XXXX XXXX with the address of my home listed as the owner. Clear Recon, XXXX, XXXX XXXX, XXXX, XXXX XXXX, and any other parties claiming ownership to my residents. 


I AM THE LEGAL OWNER OF THIS PROPERTY AND NOT EITHER OF THESE CORPORATIONS. A corporation in 2024 is unconstitutional, based on the Chevron Doctrine of 2024, Constitution, Bill of Rights, Declaration of Independence that give ME the right to this home. I've more than paid for it after living in it for 30 years but the corruption seems to continue.
Product: Debt collection

To Whom It May Concern, I am writing to demand that you immediately verify that the debt reported under my name related to Affirm is indeed mine. I have reviewed my credit report and found this entry, and I am requesting formal verification under the provisions set forth by the Fair Credit Reporting Act ( FCRA ), specifically Section 1681i, which mandates that any disputed information on a credit report must be verified within 30 days of a consumers dispute.

If you can not provide proper verification of this debt, including but not limited to an itemized statement or a copy of the original agreement with Affirm, this information must be removed from my credit report immediately as required by FCRA Section 1681i ( a ) ( 1 ) ( A ).

Additionally, I would like to remind you that under FCRA Section 1681c, any unverified information must be removed from my credit report within 30 days of my dispute. If you fail to comply with this request, I will not hesitate to escalate this matter by filing a complaint with the Consumer Financial Protection Bureau ( CFPB ), as well as the Federal Trade Commission ( FTC ), and pursuing legal action to protect my rights.

I am requesting the following : Provide written verification that this Affirm debt belongs to me, including the original signed agreement, a full account history, and any documentation linking me to this debt.

If you can not provide the requested verification, I demand that this account be removed from my credit report entirely within 30 days as required by law. 
If any inaccuracies remain, I will initiate further action to hold XXXX and any involved parties accountable for violating my rights. 
Consider this matter to be time-sensitive, and I expect your full cooperation in ensuring the accuracy and integrity of my credit report. If I do not receive a response within the XXXX period or if this issue is not resolved satisfactorily, I will take further action to ensure my legal rights are fully upheld. 

Please confirm receipt of this letter and provide a response within the legal time frame. 

Sincerely, XXXX XXXX
Product: Debt collection

Company calls almost daily from different numbers. The company called me at night time once which was very rude.
Product: Credit reporting or other personal consumer reports

My account was never late! I have had exceptional payment history 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 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 to be updated. 


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.

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! 


Update the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/XXXX, XXXX XXXX credit card agreed to remove the late payments from XX/XX/XXXX-XX/XX/XXXX. However, im unable to submit a dispute via experian website, claiming i disputed this item in the past. It doesnt matter what was disputed. I can submit a dispute every XXXX days if i wanted to, by law, until incorrect information is removed from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Acount # XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, 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
Product: Credit card or prepaid card

I applied for a Discover Card about 30 days ago with a balance transfer on the application. I read as much information as I could about the balance transfer process. I was approved for {$900.00} which is less than the balance transfer which was fine. In the meantime I paid off the other credit card in full since I was unable to do the balance transfer. Now today XX/XX/2018 I receive an email stating my balance transfer has gone through with an amount of {$850.00}. I immediately called Discover and asked why would I not be notified this action was taking place. Why would I want my new credit limit to be maxed out and also I need to cancel the balance transfer as there is no balance on that credit card. Discover said they could do nothing as it was still pending on their end. Which means no payment has been sent to XXXX yet. How can they not do anything and now I have to wait for XXXX to receive the money and then try and have them decline the transaction and send the funds back to Discover. They told me this was in there disclosures but from the 3-4 pages I ready while applying I could not find anything. This is not right and I need some help!
Product: Money transfer, virtual currency, or money service

In XXXX I enrolled in Fast Track Debt Reliefs debt relief program, with my 1st payment being deducted on XX/XX/XXXX. On XX/XX/XXXX I was laid off due to COVID19 and I had to skip my XXXX and XXXX payments. On XX/XX/XXXX I needed to contact the company for a question, I left voicemails, sent emails and even left voicemails on attorney XXXX XXXX ' voicemail, no one ever contacted me back. On XX/XX/XXXX I chased then down to get someone on the phone. When I finally got someone, she informed me that they could not help me until I made up the 2 missed payments of {$380.00} each and that my account was in the negative because of those 2 missed payments. I was shocked that they were charging fees to my account without making 1 payment to any of my creditors! They were eating up all of the money by charging fees, not making payments. I was told when I cancelled that they owed me no money back because I signed a contract. I signed a contract for a service that was not performed.
Product: Credit card or prepaid card

On XX/XX/XXXX, I was approved, ( after being targeted with an email to apply ) for a Citi XXXX XXXX Advantage Platinum Select credit card. Spending {$3500.00} in XXXX XXXX would earn XXXX XXXX XXXX miles were the terms of the offer. I accomplished that within those XXXX months and noticed that my miles were not credited to my account. 

I called Citibank and was told that because I had previously owned that type of card ( and cancelled it in XXXX of XXXX ) I was not eligible for the XXXX bonus miles. Needless to say, I was upset with this situation and felt that the email urging me to apply for the card was fraudulent in character. 

I say it was fraudulent because that email that I received urging me to apply for that card said NOTHING about my not being eligible for the bonus miles if I had previously had such a card in the past XXXX  months. If it had made that point clear I never would have applied for it. 

Simply put, I feel that I rightfully deserve those XXXX bonus miles.