23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, 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. 
XXXX  Account # XXXX, has violated my rights. 

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 reporting, credit repair services, or other personal consumer reports

Please Remove these addresses that do not belong to me my only address is XXXX XXXX XXXX XXXX ga XXXX
Product: Credit reporting or other personal consumer reports

I have accounts passed on that should be taken out or blocked. 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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

My mortgage has been paid down and the current loan-to-value ratio is below 78 %. I have contacted US Bank twice about cancelling primary mortgage insurance ( PMI ) for my conventional home loan. The first call was on XX/XX/XXXX and I was told I would be mailed information about the steps I would have to take. During this call, I was informed that if I did not take action, PMI payments would continue until XX/XX/XXXX, as this was the date I would have reached 78 % LTV, without making extra payments. I never received the information and I called US Bank again on XX/XX/XXXX to request the information be sent again. I was told I would receive the information within five business days, however I have not yet received it. I have made extra mortgage payments to reach 78 % LTV because it was my understanding that my PMI payments would end at that point. US Bank is making it impossible for me to end the payments. This is unacceptable.
Product: Credit reporting or other personal consumer reports

I am formally disputing the late payment entries on my credit report : XXXX - XXXX - {$0.00} These entries are inaccurate and do not reflect my actual payment history. Despite my repeated attempts to have these discrepancies investigated and resolved, no meaningful action has been taken. I have provided all necessary documentation to support my case and have followed up several times, yet these errors remain. This lack of resolution has not only caused financial strain but has also significantly affected my mental and emotional well-being. The stress of dealing with these incorrect entries is overwhelming. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that accurately reflects my financial behavior, including the right to have outdated or inaccurate information promptly corrected. I urge you to take immediate action to update or correct these late payment entries, as failure to do so is a violation of my rights under federal law.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXXXXXX and XXXXXXXX XXXX  XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX 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 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 to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX 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 card or prepaid card

I signed up for a Chase Sapphire Preferred card on XX/XX/XXXX using a link directly on their website ( below ) : https : //creditcards.chase.comXXXX This offer was to include a waived annual fee for the first year, just as it currently shows on the site ( as of XX/XX/XXXX ) and just as it did when I signed up on XX/XX/XXXX. I even called a customer representative on XX/XX/XXXX at the same time as my signup to confirm that this offer had no fee ( as opposed to the XXXX free point offer, which did have a fee ), although Chase says there's no record of that discussion. 

On XX/XX/XXXX I noticed that the {$95.00} fee had posted to my account, which surprised me. I called and Emailed Chase several times and got the same response that the " promo code '' associated with my sign-up did not include a Waived fee, even though I'm 100 % positive that a waived fee was involved with the offer. They said there was nothing I could do without proof of the offer, and I was frankly quite surprised that they weren't willing to work with a new customer on this matter when the offer was clearly still being promoted on the site. 

The problem with this situation is I have no way of checking this promo code and didn't get any specific documentation about ANY part of the offer that I signed up for outside of what I found on the website initially. So I have no way to defend myself beyond my insistence that the fee should be waived because of what I saw when I signed up. I feel as though there was significant promotional deception with lack of proper communication or documentation about it. I am able to find this same XXXX free Point + waived fee offer ALL OVER Chase 's site and it's partner sites, and all appearances point to the fact that this offer has been available for months ( well before XX/XX/XXXX ). 

Chase has repeatedly insisted that " offers change all the time '' and that " it wasn't available when I signed up '' and that there's nothing they can do, and that just leaves me sitting hear feeling deceived and ripped off by a fee that I was completely uninformed about. Very frustrating customer experience to say the least, and one that feels like it would be easy to fix on their side.
Product: Credit reporting or other personal consumer reports

Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against EXPERIAN regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 
Creditor 's Name : XXXX XXXX XXXX  Account Number : XXXX Date of Late Payment : XXXX XXXX XXXX I was notified Nature of Complaint : On XX/XX/year>, I submitted a dispute to Experian disputing a late payment reported by XXXX  XXXX XXXX XXXX I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Briefly summarize the reason you believe the late payment is incorrect. For instance, you may have made your payment on time or there may have been a clerical error. I've haven paid the totally amount that is my relevant evidence and bank statements or payment confirmations. Despite providing this information and adhering to the dispute process within the Fair Credit Reportin
g Act, EXPERIAN has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report.

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information
is negatively impacting my credit score and financial well-being.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several items on my credit report that are not mine. I noticed it because I recently applied for a credit card and I wasn't approved so it prompt me to check my credit report. These items listed are not mine and needed to be deleted from my credit.
Product: Debt collection

Hi Delta Management XXXX / XXXX XXXX How are you doing? Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws. 

Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher. 

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.
Product: Mortgage

I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/XXXX with 30 days late remark on XXXX and XXXX  XX/XX/XXXX with 30 days late remark on XXXX  I also see some inaccuracy on this report so I am making sure that everything is being updated accordingly. 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me. Thank you for taking this seriously.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX {$760.00} Opened XX/XX/2022 XXXX XXXX XXXX I Amount XXXX Opened XX/XX/2022 These accounts were not opened by me
Product: Checking or savings account

I had a prior CFPB complaint that was closed out unsatisfactorily. My account was been changed from a Team Member account to an Everyday Checking account while I am still receiving Wells Fargo direct deposits. My account still shows as a Team Member checking in the system. I am being accessed charges according to an Everyday Checking account but it is still a Team Member account. Please reopen this complaint. I am not satisfied with the research that Wells Fargo completed regarding the matter. It took a month for no resolution. CFPB guidelines require a response within 10 business days.
Product: Mortgage

Like most Americans I was effected by the pandemic with a decrease in income. I applied to my mortgage company requesting a modification. I was denied a modification due to the calculations raising my payment. My lender then put my past due from the forbearance into a deferral and I was due for a payment XX/XX/2022. My lender did not advise me of this. I did not receive any telephone calls or written correspondence from my lender. I never agreed to any plan, my lender did not get my permission. I now am 3 months behind due to not being made aware that payments were resuming. When I contacted my lender I was told that I could begin a repayment plan for 3-6 months. I was on a forbearance for 18 months, this will dramatically raise my payment beyond what is affordable. I was told to reinstate, I was going through a COVID hardship and do not have that much money saved up. I was told I could engage in a short sale or deed in lieu. I do not want to lose my home. I feel like my lender used the pandemic to put me in a horrible position. I now have to reinstate or agree to pay my loan plus my past due of 3 months for the next 3-6 months. I do not feel my lender has helped me at all. I have included the letters that have been sent.
Product: Credit card or prepaid card

I am on XXXX XXXX in the military and the American Express business platinum wont let me use my XXXX benefits. Was denied on multiple occasions. Had to pay the annual fee high interest rate.
Product: Credit card

Hello, My wallet was stolen on Saturday, XXXX XXXX. Within XXXX minutes of this happening I had a fraud charge alert. I handled it with my bank, and cancelled my other accounts. 

The reason I 'm writing is that less time that it would have taken to drive to the Target in XXXX XXXX, they had spent almost {$300.00}. Last year I was the victim of the Target theft that happened to many people. The only charge was about {$90.00}, also at the Target in XXXX XXXX. 

These are the only times I 've experienced credit/debit card fraud.. and they both had charges at the same Target in XXXX XXXX , California. 

This I find odd, and I do n't believe in coincidence. I just wanted to bring it to someone 's attention. It seems far fetched that the XXXX times in my life that I 've had issues, where in the same place. I had not been to the Target in XXXX XXXX on either occasion. 

Thank You.
Product: Checking or savings account

Opened an account with Chase Total checking account online on XX/XX/2018 with the promotion offer of {$200.00} bonus when you open a new Chase Total Checking account and set up direct deposit. I have already set up the direct deposit and deposit was posted on XX/XX/2018 which is before 60 days. 

I haven't received the XXXX $ bonus yet.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act, 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. secondly, i have the right to sue if i think consumer bureaus are preventing me from getting certain loans or benefits by reporting false information on my report.

I got notified of a collection account from the 3 credit bureaus about a debt collection from a company called XXXX XXXX XXXX. I do not recognize the company or have ever done business with the company. no debt validation letter was mailed to me or any details of how I got a loan through them. 
A debt validation letter was requested and none was ever sent and for this reasons I have the right to sue the bureaus for furnishing my account with unverified information which is affecting my credit and preventing me from certain benefits that require credits. 
I request the bureaus take out this information on my credit score or provide me with the neccessary information that they have that suggest I have done business with XXXX XXXX XXXX and the collection account is mine starting from sending me a debt validation letter if they fail to provide this then they must remove the collection account from XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my ChexSystems report and found the following inquiry that was not authorized by me : XXXX XX/XX/2020. I did not apply for any accounts with this bank and they did not have my authorization to obtain my report.
Product: Credit reporting or other personal consumer reports

I XXXX XXXX NEVER GAVE ( EQUIFAX, EXPERIAN, OR TRANSUNNION ) ANY VERBAL OR WRITTEN CONSENT TO REPORT ANYTHING ON MY CONSUMER REPORT. NO CONSENT IS IDENTITY THEFT. A COPY OF THE LAW IS ATTACHED WITH THE DISPUTE I HAVE NOT GIVEN YOU PERMISSION TO ACCESS MY CREDIT PROFILE AND YOU HAVE NO PERMISSINLE PURPOSE BY LAW TO CONTACT THIRD PARTIES WITH MY PRIVATE OR PERSONAL INFORMATION. YOUR OFFENSES AMOUNT TO AGGRAVATED IDENTITY THEDT PURSUANT TO 18 U.S.C.1028A YOU HAVE KNOWINGLY TRANSFERRED, POSSESSED OR USED WITHOUT LAWFUL AUTHORITY A MEANS OF IDENTIFICATION OF ME WHICH IS A FELONY PUNISHABLE WITH UP TO 2 YEARS OF IMPRISONMENT IN ADDITION TO CIVIL LIABILITY
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, has violated my rights.

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: Consumer Loan

XXXX XXXX XXXX poses as a lender who lend money to XXXX like myself. 
I poses as a lender for XXXX branch in XXXX Ohio. I wired to him {$1600.00} as fees and can not deliver. I told him today is a do or do n't. If he can not deliver refund me the money or I will get proper authority involved. He wrote me to say this : " Have you enrolled for anti money laundering program. If not then you have to get it done before funds will reflect in your account. I can help you with that. ''
Product: Checking or savings account

I logged into my Robinhood account and it informs me that my account is restricted for unusual activity. It says I will be given an update on a certain date but that date keeps changing.They are supposed to call me but it's been over 2 days now. I have no answer as to why my account is restricted and I have no options to contact support other than to XXXX their support email.
Product: Credit reporting or other personal consumer reports

I am writing to request a reinvestigation of a collection account listed on my TransUnion credit report. The account is being reported by XXXX XXXX XXXX under reference number XXXX, amounting to {$1000.00}, and reported on XX/XX/2024. I dispute this account because I have no contractual agreement with XXXX XXXX XXXX, nor have I received any verification of the debt or assignment transfer contract that legally authorizes them to collect this debt. Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I have the right to request validation of this debt. Despite this, no validation has been provided, and XXXX XXXX XXXX has failed to produce documentation establishing their legal authority to collect on this alleged debt. Additionally, according to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, it is unlawful to report inaccurate or unverified information on my credit report. The absence of a signed contract, valid assignment, or verification confirms that this collection account is both inaccurate and unverifiable. I request that TransUnion immediately delete this collection account from my credit report due to its inaccurate and unverifiable nature. If TransUnion chooses to maintain this account on my report, please provide me with copies of all documents used to verify the account 's accuracy, including any contracts or agreements bearing my signature and proof of the assignment or transfer of the debt to XXXX XXXX XXXX. Please note that under the FCRA, you are required to conduct a reasonable reinvestigation of my dispute and provide a response within 30 days. Failure to comply with federal regulations may result in me taking further action to protect my rights. I trust that TransUnion will handle this matter promptly and in accordance with all applicable laws. Please confirm that this account has been removed from my credit report or provide the requested documentation verifying its accuracy. Thank you for your immediate attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently pulled my credit report and noticed an inquiry on my report without my permissible use. According to the FCRA and the FDCPA, it should be removed. However, I have sent in continuous dispute letters and called the company numerous times while attempting to obtain all information needed to remove this inquiry. This inquiry is affecting my chances highly of establishing a great history with the current company and keeping me in financial hardship. The name of the inquiry is XXXX XXXX. The bureaus reporting are XXXX, XXXX, and TransUnion. Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

My mom opened a XXXX XXXX  credit card back in XXXX of XXXX and added me as an authorized user and she passed away in XXXX. XXXX XXXX  put the credit card on my report and stated that it was a joint account. I have disputed this numerous times with them and asked for verification. They havent produced any and i can not get this off of my credit report. It shows as a charge off on my report and the account is closed. It states the responsibility is " individual '' I need help with having this removed from my account
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXXDispute XXXX XXXXDispute XXXX/XXXXDispute OFFICE OF THE ATTY GENERDispute XXXX/XXXX   XXXXDispute XXXX XXXX  XXXX/XXXXDispute XXXX  XXXX XXXX XXXXDispute XXXX  XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXX XXXXDispute XXXX XXXXDispute inaccurate of not mine
Product: Credit reporting

I am not familiar with the reference number involving the bankruptcy being reported. No other credit agency is reporting this account but Experian. This reference number does not apply and the court has confirmed this as well.
Product: Debt collection

I disputed the charges and this company says the debt is mine. I never had a credit card with the original creditor and have already contacted them as well.
Product: Debt or credit management

I do not have a PayPal account and I kept getting Invoices to pay. I have ask them to stop, but to no avail.
Product: Credit reporting, credit repair services, or other personal consumer reports

They declined to remove fraudulent accounts.