23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I have had this card for nearly a decade and it was closed on XX/XX/XXXX. I contacted them on XX/XX/XXXX to reopen the card. The agent told me a hard pull on my credit was necessary and they might reopen the card in 5-10 business days. I spoke to the complaint manager in the evening of XX/XX/XXXX and he told me they were not going to reopen the card due to adverse marks on my credit report. There is one card since XXXX with adverse information. This card was opened by a family member without my knowledge and later paid off. I have proof from the card holder XXXX stating as much. The complaint manager said I could submit documentation by mail and I will mail that off later today, but I made it very clear I was extremely dissatisfied with this service. I have had autopay on my Citi cards for years and my payments were always timely. One card not even opened by me should not be grounds for them to refuse to reopen the card I've had nearly a decade. Citi also should be required to email/call customers prior to closing accounts. I am in the process of buying my first house and this is my longest line of credit. Losing it will severely impact me negatively in that process. 

XXXX has already corrected this erroneous balance of XXXX and I have disputes with the other credit bureaus in progress.
Product: Credit card or prepaid card

Chase has an interest-saving purchase option through Amazon. I used that for a purchase for of {$940.00} that would not have had a final payment due until XX/XX/XXXX. Throughout the month, I made a couple big purchases for family members and sent that money in to lower the amount that would be billed as owed during the next statement cycle. Instead of reducing the balance and leaving the interest-saving balance intact, Chase removed my interest saving amount leaving me with a balance due in a month. Chase is insisting that I intended to pay off the XX/XX/XXXX balance. I need to speak with someone about adding provisions, so that I can pay this balance down without accruing interest. I called to discuss the initial response with Chase, left a message and didn't receive a return call.
Product: Mortgage

We received a notice in the mail regarding foreclosure to our home. We have Nationstar the worst mortgage company I 've ever dealt with. We would have been current on our payment, however they sent back {$3000.00} in payments since XXXX. No letter, no notice until we received something from their attorney. We had paid {$1500.00} in XXXX and with these last few payments we would have been current. However, more legal fees added and " property inspections '' they expect us to pay {$6300.00} for a " reinstatement fee ''. We could use your help please. We were not trying to default and they have put us in this position. Our home is well taken care of and we want to stay.
Product: Debt collection

In 2019 When XXXX merged with XXXX I called to put both my cell phone and TV on the same bill. They set me up with a SECOND XXXX XXXX  account. I paid two separate bill for approximately 3 months until I realized what was happening ( I was being charged two times for the same service ) they refunded me the money. 
Fast forward to this year. When I disconnect my XXXX account I had a {$0.00} balance. Two months after disconnecting I saw on XXXX XXXX that I had been sent to collection for a past due amount with XXXX. I never received a bill. The collection company ( Franklin Collection ) never sent me a bill. I asked Franklin Collection for a breakdown of the charges. They said I had closed the account and didnt pay my bill XXXX false ). I called XXXX and they informed me that it was from the REFUND they gave me in 2019 ( that was a result of THEIR mistake of over charging me ). 
This is fraudulent and companys shouldnt be able to use collection agencys so frivolously as it damaging my credit. I do not owe any other company but them.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit act XXXX account XXXX XXXX  # # # # XXXX # # # # XXXX has violated my rights Kick off account # # # # XXXX XXXX XXXX account # # # XXXX XXXX XXXX  # # # XXXX XXXX XXXX # # # XXXX XXXX XXXX # # XXXX XXXX XXXX # # # XXXX XXXX XXXXe # # # # XXXX XXXX XXXX XXXX # # # # XXXX 15 U S C 1681 section 602 A I have the right to privacy 15 U S C 1681 section 604 A section 2 a consumer reporting agency can not furnish a account with out my written instructions
Product: Credit card

i was asked to sign up for a credit card in Macy 's in XXXX. i gave the cashier my info she gave me a slip and the merchandise charge was on the card {$26.00}. i did not recieve a bill nor the card so 3 weeks later i called Macy 's to pay my bill and let them know that i did not get the card. i gave my account info got a confirmation number and paid it by phone. today i called to cancel the card because i did not receive it. The rep told me that i have a balance she said that the payment did not go through. I gave them correct information. She wants me to pay about {$95.00} due to late fees. This is bizzarre, it makes no sense. is this really a credit card or is it a hoax. this is the number i called Macy 's Credit Customer Service XXXX the cashier gave slip which i still. my confirmation number for my payment which was on time XXXX
Product: Debt collection

I wrote a letter to them dated XX/XX/2020 and informed them that the debt was invalid and that I had paid XXXX XXXX in full. Their letter had XXXX XXXX on it so I assumed it was sent in error. They proceeded to continue sending letters and even tried to take a payment from my daughter who is a minor. It was my daughters ER visit that they wanted to collect the copay for. I continue to receive letters from them regarding this debt that was paid directly to the hospital. They are sending letters with interest due on them after I told them I wanted to deal with the hospital directly.
Product: Credit reporting or other personal consumer reports

*I am filing a complaint against Equifax XXXX XXXX XXXX and XXXX for reporting inaccurate late payments across multiple accounts and failing to properly investigate my disputes. Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i ( a ) ( 1 ), credit bureaus are required to conduct a reasonable reinvestigation when a consumer disputes inaccurate information. However, they continue to report negative marks on my credit profile without providing verification from the original creditor.

Additionally, per FCRA 15 U.S.C. 1681s-2 ( a ), furnishers of credit information ( banks, lenders, and creditors ) must not report inaccurate information and are required to update or remove incorrect data. The credit bureaus failure to demand proper validation violates FCRA 15 U.S.C. 1681e ( b ), which requires them to ensure maximum possible accuracy in credit reporting.

I have never received proper documentation proving these late payments were valid, nor have I been given any evidence of the alleged delinquencies. If this information is not removed, I will escalate my complaint and pursue legal action under FCRA 15 U.S.C. 1681n for damages due to willful noncompliance.

I demand that all unverified late payments be removed immediately from my credit report. *
Product: Checking or savings account

On XX/XX/2024 I filed a multiple transaction fraud claim with PayPal. I did this only after i received a text message from PayPal stating this Be sure to log in to PayPal and report any purchases you don't recognize. Alarmed by the messages context i logged into my account to find multiple transactions from 2 separate companies. These companies names are XXXX XXXX XXXX and XXXX. Transactions amounts ranging anywhere from {$4.00} - {$49.00}. I didnt not authorize Either companies nor PayPal for the transactions leaving my only option to file a dispute claim for unauthorized transactions. PayPal denied my claim for all transactions involved claiming it matched my transaction history on my account but these transactions are my only transactions on my account so that doesnt seem appropriate for denial towards my case. Especially since PayPal was originally the ones who detected that some of my transactions were fraudulent. 

Since some of these transactions were pending still via my original claim. I filed a second unauthorized transaction claim on XXXX after they had posted to my account in which these transactions were also denied saying that the transactions were found TO BE fraudulent and because of that they could NOT refund my account. Below is a copy and paste from the direct message i received. 


After carefully reviewing your case, we found that this was an authorized transaction so it couldnt be covered under PayPal Purchase Protection. We were unable to provide a refund for this transaction PayPal
Product: Money transfer, virtual currency, or money service

Am victim of the fraud/scam, It started as part time job options and as part of that inmobil media was contacted via whatsapp and provided the website address where i can do the tasks and after finishing the tasks i will be getting the commission for the money which deposited, and the money they requested in virtual curreny/crypto currency, as part of the transfer they suggested to use the CASH APP for transferring the crypto currency. the The cash app unable to stop the fraud/scam for almost 2 months, and ultimately i lost almost $ XXXX, It is not only money i have going through lot of mental trauma and and lot of debts, financially in a very bad situation. It was hard earned money. 
Tried reaching out to the cash app for dispute, but cash app did not help to co operate the investigation and straight away rejected the disputes. 
The details of the transactions and other details are clearly documented in the documents.
Product: Debt collection

I am a XXXX XXXX XXXX veteran, service connected with XXXX and XXXX. 
I was employed through an XXXX where medical benefits were covered through XXXX California. My premiums were always paid and I never used my insurance. Until I was XXXX and XXXX was needed. The medical group pre-authorized the XXXX. The XXXX was scheduled and after the XXXX, XXXX XXXX XXXX California did n't pay out. Now the medical group sent this {$7000.00} debt to collections and it 's on my credit report. I ca n't even get a cell phone because of these negative accounts in collections. Somebody made an mistake and it was n't me. The medical group has money, the insurance companies have money, the collection agencies have money but they 're trying to stick the debt on the XXXX veteran.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  : Account XXXX XXXX XXXX XXXX is inaccurate reporting an item on my creditXXXX XXXX TransUnion and XXXX are allowing this to happen and have continued to disregard my request to validate this account and remove the inaccurate items from my credit report. 

1. Date Opened is listed different on multiple credit bureaus. 

2. This account XXXX Has FCRA Violation. 

3. This account is being RE-AGED FCRA Violation. Date of Last Activity is being RE-AGED every month.

3 different dates on each credit bureau. 
- Date Open Different on credit bureaus -Date of Last Activity Different on credit bureaus -Date last reported Different on credit bureaus 4. Last reported dated inaccurate. 

5. This account was a Business Account not a Personal Account and is being paced on my credit despite my several attempts to contact XXXX XXXX XXXX and XXXX, XXXX and TransUnion correct and remove this inaccurate info from my credit report.
Product: Vehicle loan or lease

Credit Acceptance corporation as a collection agent called too many times in a harassing way. My purpose after much research and development to dispute credit data ; derogatory remarks, credit reporting, correct and or inaccurate citations reported by creditors and its responsibility according to Consumer Credit Reform Act XXXX, against namely Credit Acceptance Corporation. I submit to you in writing, obtaining and annotating this data also makes XXXX, XXXX, & XXXX  consumers. 
It is unfair to me that some aspects are reports and others are not. Fair in my opinion, would be " removal those negative citation " and here 's why. Any Perspective businesses, creditors, employers alike would be prejudice to this report. XXXX XXXX XXXX said " an unfair law is no law at all ''. In this matter we must remove this report lest we fall in violation of C.C.R.A. Consumer Credit protection Act XXXX. Insomuch we both want to be honest brokers ( XXXX, XXXX, & XXXX ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently looked at my credit report from XXXX  and noticed a Capital One Account which has been closed since XX/XX/XXXX still being reported to XXXX. My account has been paid off since XX/XX/XXXX and it has been reported that i was late in XX/XX/XXXX, XXXX, XXXX and XXXX. Why is capital one still reporting a closed account. This is seriously damaging my credit profile Account was Opened XX/XX/XXXX XX/XX/XXXX
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 confidentially under 15 USC 1681. Act Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I, 15 USC 1681 section 602 A, States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 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 items of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 ) years. 15 USC 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 reasonable cause to believe that the information is inaccurate.I, 15 USC 1681 section 602 A, States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 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 items of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 ) years. 15 USC 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 reasonable cause to believe that the information is inaccurate. In accordance with the Fair Credit Reporting Act, Section 623 ( a ) states that a person, including a financial institution, may, but need not, specify an address for receipt of notices from consumers concerning inaccurate information. If the person specifies such an address, then it may not furnish information relating to a consumer to any consumer reporting agency, if ( a ) the consumer notified the person, at the specified address, that the information is inaccurate, and ( b ) the information is inaccurate. If the person does not specify an address, then it may 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 or other personal consumer reports

I am writing to formally dispute the inaccurate information reflected on my credit report. The information appears to violate my rights under the Fair Credit Reporting Act ( FCRA ) and should be removed or corrected promptly. The FCRA mandates that only accurate, complete, and verifiable information be included in credit reports ( 15 U.S.C. 1681e ( b ) ).

1. Incorrect Accounts Several accounts listed on my credit report appear to be inaccurate, incomplete, or outdated. Under FCRA Section 1681i ( a ) ( 1 ), I am entitled to dispute information that I believe to be inaccurate, and the credit reporting agency is required to investigate the disputed information within 30 days. I have reason to believe that the following accounts do not belong to me, contain incorrect data, or should no longer be listed due to age or resolution : 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 XXXXXXXX As required under the FCRA, I request that these accounts be thoroughly investigated and either updated or removed from my credit report if found to be inaccurate. 

XXXX. Unwarranted Inquiries I also dispute the following credit inquiries listed on my report. Under FCRA Section 1681b ( c ), credit inquiries must be made with my permission or under circumstances where I have applied for credit. If these inquiries were not authorized by me or do not meet the requirements for a legitimate credit inquiry, they should be removed from my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please consider this my formal request for an investigation under the FCRA. If the items mentioned above are not removed or corrected, I will seek further action, including filing complaints with the CFPB and taking legal steps to enforce my rights under the law.
Product: Mortgage

I am a XXXX Veteran and I recertified late for my tax exempt status. They made one tax payment of which I owe an extra XXXX  a month for 36 months. They have my status on record but they are still trying to make me pay taxes into an escrow account that is tax exempt. They are holding XXXX, a full payment in unapplied funds and they increased my mortgage from XXXX to XXXX to XXXX. These are and frustrating unfair business practices. I have been trying to tell them since XXXX 2020, to no avail.
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX XXXX ) Consumer Social Security Number : ( Private XXXX XXXX XXXX ( XXXX ) ), Consumer Date of Birth : ( XXXX ), Content of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency XXXX block information appearing on my consumer report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consist of a personal credit card and a Auto loan account. I have attached a list of the hard inquiries in question as well as a copy of the XXXX credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections appearing on my consumer report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( Private Case Number ) as proof from the U.S. Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard Inquiries are the result of Identity Theft and Fraud.
Product: Debt collection

I have not supplied proof under the doctrine of estopper by silence, XXXX XXXX XXXX ( XXXX  ) XXXX XXXX XXXX, XXXX XXXX Presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.
Product: Credit reporting, credit repair services, or other personal consumer reports

sagestream has some inquiries on my report that are not mine. 

Inquiry details XXXX XXXX Inquiry from XX/XX/XXXX, XXXX Miscellaneous Reptg. Agencies XXXX XXXX Inquiry from XX/XX/XXXX, XXXX- XXXX   XXXX  XXXX  XXXX  XXXX  Inquiry from XX/XX/XXXX, XXXX- Mortgage Cos. 
XXXX Inquiry from XX/XX/XXXX, XXXX- Real Estate Sales/Rent XXXX XXXX XXXX Inquiry from XX/XX/XXXX, XXXX Auto Financing XXXX XXXX Inquiry from XX/XX/XXXX, XXXX Auto Financing XXXX Inquiry from XX/XX/XXXX, XXXX- Auto Financing XXXX XXXX Dealer S Inquiry from XX/XX/XXXX, XXXX- Auto Financing XXXX  XXXX Inquiry from XX/XX/XXXX, XXXX- Auto Financing Consumer XXXX  XXXX Inquiry from XX/XX/XXXX, XXXX Auto Financing XXXX  XXXX XXXX  XXXX Inquiry from XX/XX/XXXX XXXX XXXX- Automobile Dealers, XXXX  XXXX Inquiry from XX/XX/XXXX, XXXX- Miscellaneous Reptg. Agencies XXXX XXXX XXXX XXXX # Inquiry from XX/XX/XXXX, XXXX Automobile Dealers, XXXX  XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX- Automobile Dealers, XXXX XXXX   XXXX  XXXX Inquiry from XX/XX/XXXX- Automobile Dealers, XX/XX/XXXXXXXX Inquiry from XX/XX/XXXX, XXXX- National Credit Card Cos . 
Factual Data Inquiry from XX/XX/XXXX, XXXX- Miscellaneous Reptg.  Agencies Ccb/ppc Inquiry from XX/XX/XXXX, XXXX- National Credit Card Cos . 
XXXX XX/XX/XXXXInquiry from XX/XX/XXXX, XXXX National Credit Card Cos . 
XXXX XXXX XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX- All Banks XXXX XX/XX/XXXXInquiry from XX/XX/XXXX, XXXX- these inquires are not mine
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The above accounts have violated my rights according to 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 an 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. This means that the credit bureau is willing and knowingly reporting inaccurate information to my report. The attached shows the inaccuracies. This needs to be removed immediately.
Product: Credit reporting or other personal consumer reports

There is a hard inquiry from XXXX XXXX on my TransUnion credit profile that was initiated on XX/XX/year>, and today makes 2 years to date. This hard inquiry by law should have fell off automatically but it didn't.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX I reviewed my consumer reports and noticed that i had late payments on TWO accounts 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/XXXX ) through dates ( XX/XX/XXXX ). 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: Checking or savings account

XXXX/XXXX/XXXX I bought 3 X 5 year CDs from Fifth / Third Bank ( Required was a savings acc. with a {$1000.00} minimum and a checking acc with a {$500.00} minimum ) XXXX/XXXX/XXXX my savings acc.  charged 2 X {$5.00} / My checking acc charged 3 X {$5.00} both for 'dormant fees ' No notice or warning was given. I 've never heard of a dormant fee.
Product: Debt collection

National Credit Adjusters repeatedly is calling me about this debt. I can't determine the dates as they use differing phone numbers each time they call along with other telemarketers that use varying area codes. 

On 3 separate occasions they called me and I told them that I not only can not receive phone calls on my work number, but that I did not owe that debt. The debt is also over 10 years old.