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

" The Fair Credit Reporting Act ( 15 U.SXXXX Code XXXX ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code XXXX ( XXXX ) and 15 U.S. Code XXXX. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code XXXX, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 
I looked at my consumer reports and noticed inquiries I didn't consent to and personal information I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I never consented to these inquiries and did not provide written consent to report them List all inquiries : Here is the personal information that I never consented to or provided written consent to report : List all personal information want deleted :. 
Please investigate and provide proof with statements showing that I authorized or consented to these inquiries or personal information and proof that I authorized the reporting of this information. If proof can not be provided I demand these inquiries and personal information be deleted. 
Adjust accordingly if there is no inquiries or personal information to be deleted "
Product: Credit card or prepaid card

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. The XXXX Credit Bureau is reporting inaccurate information on BANK OF AMERICA. Your remark says that this account falls under charge off, make sure to provide the reasons why there is a balance indicating on the statement. Per Fair Credit Billing Act, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file. 
BANK OF AMERICA ***** Opened Date XX/XX/2015 Balance {$2100.00} BK OF AMER ***** Opened Date XX/XX/2015 Balance {$2100.00}
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Formal Complaint Regarding Inaccurate Late Payments on XXXX XXXXXXXX Account Dear CFPB, I am writing to dispute inaccurate late payments reported on my credit file for the XXXX XXXX account ( Account Number : XXXX ). These late payments, specifically a 30-day late payment for XX/XX/XXXX, a 60-day late payment for XX/XX/XXXX, and a 90-day late payment for XX/XX/XXXX, are incorrect and misrepresent my payment history. 
Nature of the Complaint : Inaccurate Reporting : These late payments are false and inconsistent with my payment records, as I have consistently made on-time payments through autopay. 
Violation of FCRA ( 15 USC 1681i and 1681s-2 ) : Reporting and failing to correct inaccurate information violates the Fair Credit Reporting Act.

Violation of FDCPA ( 15 USC 1692e ) : Reporting incorrect payment history may constitute a deceptive or misleading practice.

Violation of TILA ( 15 USC 1601 ) : The Truth in Lending Act requires the accurate reporting of credit and payment terms.

Civil Liability Under FCRA ( 15 USC 1681n and 1681o ) : Noncompliance with these requirements subjects the responsible parties to legal penalties.

Summary of Discrepancies Equifax Reported 30-day late payment for XX/XX/XXXX, 60-day late payment for XX/XX/XXXX, and 90-day late payment for XXXX XXXX  
Payments were consistently made on time, and no delinquencies occurred. 
Requested Resolution : I request the following : Conduct a thorough investigation and remove the erroneous late payment entries.

Update my credit file to reflect accurate and truthful information.

Provide written confirmation of the corrections within 30 days, as required by the FCRA. 
Enclosed are supporting documents, including payment records, to validate my claim. I expect your prompt attention to resolve this matter. 
Thank you for your immediate cooperation. 
Sincerely, XXXX XXXX XXXX
Product: Credit card or prepaid card

Im unable to login to my account to make payments or login at all their system doesnt recognize my infria ruin when trying to reset my username or password horribke and I want a credit line increase they never give me one Ive been loyal for years their system doesnt see this and I want contactless technology on the car tap pay and the gas pump stations should add it as bp this should become available
Product: Credit reporting or other personal consumer reports

Equifax Credit Report Date Generated XX/XX/XXXX Report Confirmation XXXX I am writing to formally complain about several inaccuracies in the information on my credit report pertaining to an alleged account with XXXX XXXX XXXX XXXX ( Account Number : XXXX XXXX ). After a thorough review of the account details, I have identified serious discrepancies and errors in the reporting of the tradeline for ( Account Number : XXXX XXXXXXXX ), which are adversely affecting my credit score and financial standing. In accordance with the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), I demand that this erroneous tradeline be deleted from my credit files. 

The discrepancies and errors are as follows : 1. Incorrect Reporting of Account Status : The credit report indicates that an alleged account with XXXX XXXX XXXX XXXX ( Account Number : XXXX XXXX ) continued with a balance in XX/XX/XXXX and XX/XX/XXXX, and continued to report incorrect information for the months of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, despite the notation in the Comments XXXX section that the account was " Charged off account '' in XX/XX/XXXX. 

. Your company is reporting that the account was charged off After it was charged off. This ongoing inconsistency in account status is in direct violation of the FCRA and has the potential to significantly harm my creditworthiness. 

In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I demand that the tradeline for XXXX XXXX XXXX XXXX account ( Account Number : XXXX XXXX ) be deleted from my credit report due to this inaccurate reporting. 

Please be aware that inaccuracies in credit reporting can lead to legal action by the consumer. The FCRA, specifically 15 U.S.C. 1681n, provides consumers with the right to pursue legal remedies for willful or negligent noncompliance by credit reporting agencies. 

I have attached a copy of my Drivers License and a copy of my electric bill to verify my identity.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that this item is being reported correctly? Who verified this account? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Experian is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$7000.00}, XXXX XXXX XXXXXXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, and XXXX XXXX XXXXXXXX Date opened XX/XX/XXXX Balance {$0.00}.
Product: Money transfer, virtual currency, or money service

Last XX/XX/2022, PayPal sent an email saying I can no longer do business with PayPal for violating their PayPal Acceptable Use Policy. And they gon na hold my funds worth XXXX XXXX XXXX for 180 days, I was so shock. I tried to search for their customer service, I only found their XXXX support & they can't even do anything about it. I left most of my money on PayPal because i thought they we're trustworthy, which is my big mistake. 

As I did research about this company, I found that it happened years ago and still happening especially now that it's recession, their victims are getting higher. Everyday, they are taking money to their clients without enough evidence and without any warning. 

As I did research i found a solution to get my money back, by refunding my clients & asking them to send my money to different payment method. But only half of them paid me back. I already lost like XXXX XXXX because of it. Now, my PayPal balance is only XXXX XXXX. 

I was so XXXX  the first week that it happened to me, I feel like a XXXX. My PayPal account is clean, I don't have any disputes. How can they blackmail their clients using their terms & agreement. 

I hope you gon na help me about this.
Product: Checking or savings account

On XX/XX/2021, I deposited a check for {$510000.00} into my checking account at CHASE. The check was from the settlement of the sale of my house. On XX/XX/2021, I went online to Chase.com to my account. The deposit was there and it stated that it was available. I then transferred ( by XXXX ) {$520000.00} to XXXX XXXX. XXXX said I could now buy investments to my account. The next day, Chase put a hold on the cash. This was after they said, ( online ) that the cash was available and they did transfer it to XXXX. My Chase account shows a deficit of about {$500000.00}. I tried all day including visiting a local branch for assistance. Their phone service is intolerable with referrals to other phone numbers. My complaint is that if their computer made the funds available, they should honor this action and provide access to correct the mistake.
Product: Credit reporting or other personal consumer reports

I reviewed my consumer reports and noticed that i had two late payments on an account that i was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that i have included screenshot inside this complaint in on dates of XX/XX//22, XX/XX/22. Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact i was never late. Thanks! Please see screenshot attached :
Product: Credit card or prepaid card

I keep communicating with Citibank through chat and phone they keep refusing my payment on the phone and chat. The representative said I only owe {$370.00} and when statements came shows XXXX. In the state of California a verbal agreement is the same as contractual agreement. I am taking this to small claims court. I am asking for any fees and interest removed because accounts are closed.Also due to the reps refusing payments.
Product: Checking or savings account

savings account was started XXXX XXXX. 2024, I tried to log into my account via the XXXX by Goldman Sachs XXXX and was notified that the account was closed on XX/XX/XXXX XXXX after countless phone calls, no one from customer service can give me any information on why my account was closed, why is it under review and when i will get my {$350.00} dollars returned to me. after XXXX attempts i was told i would get my money between XXXX days. after still not receving my funds to my bank i reached out to customer service again on XXXX and now was told the investigation could take XXXX  days. i just want my money back.
Product: Debt collection

This company Diversified Consultants , Inc. calls and harasses me all day long! they leave messages or they hang up. Trying to scare me into paying for something.
Product: Checking or savings account

I registered for a Citi Priority Package. The definition of the package was that there was a checking account and savings account linked which required a minimum balance requirement. If there was a change in the account type this package would impact eligibility for the promotion. 

After completing the promotional requirements I closed the checking account and have kept the savings account open. 
The bank is now charging me a fee for the savings account based on the account package. However their definition of package included a checking plus savings account, therefore I no longer meet their criteria for the 'package ' and therefore should not be charged the monthly fee for just the savings account alone.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently reviewed my credit profile and noticed inaccuracies and/or incomplete information, and accounts that are Un-verified. According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA- you are requried to Promptly Delete All information that is inaccurate, incomplete, or which cannont be verified. it is also my understanding that under thr FCRA 15 U, S.C. 5 1681i, every single one even each and any or all the un proven, non-compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly neegated in its entirety or the alleged accounts are to be completely deleted. The following derogatory accounts allegation are either untrue, unverfied, incorrect, not mine, not my responsibility, or otherwise NOT PROVEN COMPLAINT to regulatory fedeal reporting laws and or standards and MUST be removed. The following accounts are reporting on Experian, 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

RE : Incorrected or Unfair Credit Reporting XXXX   XXXX XXXX XXXX ( XXXX ) Crediting/Posting Date Error from XX/XX/XXXXXXXX XXXX XXXX ( including XX/XX/XXXX ) To Whom It May Concern, XXXX XXXX XXXX is not crediting our mortgage payments to our account as they should be. The error in reporting has resulted in a late payment appearing on our credit report for the month of XX/XX/XXXXXXXX XXXX is not crediting our payments until they have cleared our checking account. This is not compliant with federal regulations. As you are aware the CFPB states 1026.10 ( a ) General Rule that payments are to be credited on the date of receipt, not the day the funds are collected. 

As of XX/XX/XXXX, XXXX began crediting our account only after the funds had been collected. This includes our most recent mortgage payment for XX/XX/XXXX. This change in posting resulted in XX/XX/XXXX being reported as 30 days late. This error was disputed and updated on all three credit reports for me and my husband. Then XXXX reported the same error ( within 60 days of being notified of the inaccuracy, another violation of federal regulations ) to the credit reporting agencies, however this time the XXXX error appeared in XX/XX/XXXX. I was able to successfully dispute this error as well, except for XXXX for XXXX and Equifax for XXXX. Which is why I am asking for your assistance. 

Upon contacting XXXX and speaking with XXXX, the CSR responsible for reporting to the bureaus, she informed me it was the XXXX payment being reported because she failed to get the information in within time for it to reflect in XXXX. This is not true. It did appear and it was disputed and removed. She also states that XXXX was reported late because it was received on XX/XX/XXXX at XXXXXXXX XXXX after the close of business. XXXX  business hours are Monday Friday XXXX XXXX XXXX. and federal law states 1026.10 ( b ) that cutoff times shall not be before XXXX XXXX. so this is also not true. She goes on to state that payments must be scheduled prior to XXXX XXXX. to be credited to the same business day. This is also not true. If that were a true statement each payment in question would have been credited on the day the payment was received, none of the payments, including XXXX, have been credited appropriately. 

Please see the attachments and review for yourself. You will quickly see that XXXX is maliciously handling our account causing financial hardship. I understand that CFPB can not personally correct our credit reports, but I know that you have the ability to enforce the mortgage company to correct the inaccurate information that is being reflected in our report. 

XXXX has failed to credit our account correctly since XX/XX/XXXX, making false statements on its correspondence to the bureaus and to you, as well as reporting the same negative payment information to the bureaus within 60 days of one another. Their actions are a violation of the consumer financial laws put into place to protect consumers such as us. Your help in this manner will be greatly appreciated. 

Respectfully Submitted, XXXX & XXXX XXXX
Product: Debt collection

XXXX at Midland Credit Management , Inc. has called repeatedly to my workplace and is being rude to my fellow employees. He may cost me my job by telling the person who answers the phone who he is and who he is with. I 've had two fellow employees send me messages that " XXXX with the Debt Collector called again and was rude to me. '' Would you please call him back and pay your debt. <P/>He is harassing me and continues to call after I have notified them in writing to no longer contact me.
Product: Credit reporting or other personal consumer reports

PLEASE DISREGARD THE PREVIOUS COMPLAINT. 


I am writing this letter in regards to the fraudulent inquiries on my credit report. These inquiries are all fraudulent and I need these list of inquiries removed from my credit report. Here are the inquiries listed below. I have also attached a FTC report as requested. 
Credit Inquiries : 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

XXXX XXXX is reporting to the credit bureaus false information concerning said credit card. XXXX XXXX closed my account and every payment made afterward was said to have been put forth for maintenance of the account. This was the reason for the balance never changing. 
XXXX XXXX Last reported XX/XX/XXXX {$530.00} Reported balance Credit limit {$400.00} You're using 133 % of your account 's limit OVERVIEW Credit limit {$400.00} Minimum monthly payment -- OpenedXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) RemarksProfit and loss write-off Account information disputed by consumer Account closed by credit grantor Account information disputed by consumer
Product: Credit card or prepaid card

XXXX XXXX has buried information in credit agreement as to how deferred interest payments are applied. Despite paying 2X the balance owed on a deferred interest purchase, I was still assessed the deferred interest charged based on the way the payments were allocated. This approach is entirely misleading and unfair to the consumer.
Product: Debt or credit management

Hello, I signed for National Debt Relief service to help negotiate settlements on my credit card accounts in 2024. They collected {$3500.00}, they only made payments of that for {$1200.00} which was 4 payments of {$320.00} to XXXX XXXX. They only negotiated this ONE card of the many accounts I gave them. By XXXX I still had not obtained fulltime employment and I could no longer afford the payments. I called them to cancel and get a refund. They cancelled right away but REFUSED any REFUND! So, on 1 account that was not completed in the payments for the settlement, they said the balance I see as a refund... .they said was their FEE! WOW! 

I am formally filing a complaint against National Debt Relief for unscrupulous devious business practices. They told me their fee was only 8 % of the negotiated debt /Settlement amount agreed on. That would have made their fee ( 8 % on {$7700.00} ) = {$610.00}. 

They lied. Their fee, according to them ... ..is net {$2200.00}, on a paid balance of {$1200.00}. DOES THIS SOUND ETHICAL & FAIR to the CONSUMER? 

I want my refund after their 8 % fee {$610.00}. 
My refund should be {$1600.00} ( {$2200.00} less {$610.00} ) Thank you, XXXX XXXX
Product: Mortgage

I paid off my mortgage 120 days ago in Florida what agency can help me the lender has still not filed a satisfaction of mortgage to the county