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

I recently received a copy of my XXXX XXXX XXXX report and I noticed some late payments/inaccurate information posted on my consumer report : XXXX XXXX Balance Owed : {$190.00} XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXXXXXX XXXX Balance Owed : {$860.00} XXXX  XXXX Balance Owed : {$0.00} XXXXXXXX XXXX XXXX Balance Owed XXXX {$2400.00} XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$1700.00} XXXX XX/XX/XXXX XXXX XXXX Balance Owed : {$290.00} XXXX XXXX Balance Owed : {$310.00} XXXX XXXX XXXX Balance Owed : {$4200.00} XXXX XXXX XXXX Balance Owed : {$6300.00} XXXX XXXX XXXX Balance Owed : {$3200.00} XXXX XXXX XXXX Balance Owed : {$3500.00} XXXX XXXX XXXX Balance Owed : {$1700.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXXXXXX XXXX XXXX  XXXX XXXX Owed : {$0.00} XXXX XXXXXXXX XXXX Balance Owed : {$540.00} XXXX XXXX Balance Owed : {$450.00} XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$2400.00} XXXX XXXXXXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$7600.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX Owed : {$480.00} XXXX XXXX XXXX XXXX Balance Owed : {$3900.00} XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$6800.00} XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX XXXX XXXX Creditor : XXXX  ) XXXX Balance Owed : {$1700.00} XXXX XX/XX/XXXX XXXX XXXX  XXXX Balance Owed : {$540.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX : {$3900.00} XXXX XXXX Balance Owed : {$91.00} XXXX XX/XX/XXXX
Product: Credit card or prepaid card

I opened a card under the promotion of getting {$150.00} in cash back after spending {$500.00} in my first three months, and I have not received my bonus yet. After multiple calls and chats with customer service they kept saying they were going to open up a ticket and nothing has ever happened with it.
Product: Consumer Loan

On XX/XX/XXXX Capital One auto finance illegally took a payment out of my bank account.The payment was scheduled for Fri XX/XX/2016.And the agent put in the date for XX/XX/2016. It has caused all of my bills to bounce and my account is overdrawn.I have spoken to XXXX the account resolution specialists.And they want me to fill out a refund form and fax it back and do all of these things that we are not responsible for.The agent did pull the call and did verify that we did indeed request the payment to be scheduled for XX/XX/XXXX. and not XX/XX/XXXX. They are having a hard time putting the money back into the account.
Product: Checking or savings account

I submitted complaint XXXX and it was sent to compass bank on XXXX. They have exceeded their required acknowledgment time of 3 business days. I have not heard anything. 

Yesterday I was charged an additional overdraft fee because they attempted to " transfer '' {$25.00} from my checking account ( that I have been trying to close for over a month ) to my closed savings. The fees they are charging because I am attempting to close my accounts are predatory and illegal.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint regarding inaccurate late payments that are reported on my credit file maintained by TransUnion. I believe these late payments are erroneous and do not accurately reflect my payment history. 
Nature of the Complaint : 1. Inaccurate Reporting : The late payments listed on my credit report are inaccurate. I have consistently made my payments on time, as I have been enrolled in autopay for all my accounts. 
2. Violation of the Fair Credit Reporting Act ( FCRA ) : The inaccurate reporting of these late payments violates my rights under the FCRA ( 15 USC 1666 ( b ) ), as they misrepresent my creditworthiness. 
3. Potential Violation of Fair Debt Collections Practices Act ( FDCPA ) : The reporting of false late payments may also constitute a violation of the FDCPA, which protects consumers from misrepresentation regarding their accounts. 
4. Truth in Lending Act ( TILA ) : I assert that the reporting practices violate the TILA, which mandates accurate reporting of credit information.
Product: Checking or savings account

Endurance car warranty company took money out of my account-a total of XXXX dollars even though my vehicle was ineligible for the warranty and they refuse to return my money. They used XXXX finance company to finance the Illegal warranty
Product: Checking or savings account

Several months back I got a call from who I thought was a chase employee. They stated someone had made an unauthorized XXXX  disbursement out of my sons acct and the only way to correct it was to send a XXXX  payment to myself. So I did. This was a scam. The {$2000.00} was taken out of my sons acct. I had to borrow the money to repay him. I contacted the bank right away. They denied my claim. They stated since my so. Had a school acct under mine, I was an authorized signer on his acct.
Product: Credit reporting, credit repair services, or other personal consumer reports

SOME CREDIT ACCOUNTS WAS OPEN IN MY NAME WITHOUT ME KNOWING
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon the transfer of this mortgage to Rushmore, our escrow was doubled due to an accounting error by Rushmore. We were in the process of disputing this when Rushmore refused to apply any payments towards the mortgage. We stopped paying during dispute but Rushmore was no help and we were then put into foreclosure. During the foreclosure process we then received an offer of modification for the exact amount that we originally should have been paying less the error n the escrow. The attorneys for both sides handling this came to a resolution and Rushmores attorney then sent us a letter for us to send to the credit agencies that have us listed negatively stating that this was an accounting error and we should not have this adverse credit. XXXX and XXXX have both sent in disputes numerous times to Rushmore to have them remove and update our credit to no avail. As of this date, I still have this on my credit as negative and I am currently under contract to buy another home and am working with a mortgage lender, however due to the low score stemming for this negative report, I am in jeopardy of either NOT getting the mortgage or paying a premium interest as well as other fees! Rushmore also does not have a direct line or person to speak to for any kind of help! Please not prior to this we have 2 mortgages with never being late as well as the one I question never being late prior to the accounting error on Rushmores part.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am furious. I have been dealing with this credit situation since XX/XX/2018. They have name variations and addresses that I have never lived. I asked them all to send me an updated report with ALL addresses and names and jobs that I never worked to be removed from report. I included several accounts that needed to be removed as well. 

I disputed these accounts again in XX/XX/XXXX and this time included a driver 's license and my utility bill. Transunion sent my results to an old address luckily I had my mail forwarded. All accounts I requested were removed, but when I look at XXXX XXXX the information is still there. 

XXXX never gave me any results from my XX/XX/XXXX investigation, and XX/XX/XXXX, XXXX sent me a letter asking me to send them over a driver 's license and utility bill, which I did already and they were asking for another investigation. 

My daughter tragically passed away last year and I need fresh start so I'm now purchasing a home, and the distress these companies are putting me is not fair. I don't know why I have to ask so many times for my information to be accurate on my report! When I call them I'm transferred overseas and they aren't sympathetic to my situation.
Product: Credit card or prepaid card

I am filing a formal complaint against JCPenney Credit Services ran by Synchrony Bank. This complaint is addressing a sudden credit line decrease without 30 days of notice. Under Regulation B aka ECOA, creditors are required to provide thirty days of notice when making any changes to an account. Synchrony has failed to do this on two occasions with just this card alone. I have had this happen on my other Synchrony credit cards as well. They say they sent letters, but they never did. This decrease happened on two separate occasions once on XX/XX/XXXX and the other being XX/XX/XXXX. I spoke with a woman named XXXX who said that strangely enough I didnt get letters. I asked for proof they were sent and she could not find any.
Product: Credit reporting or other personal consumer reports

I opened a XXXX  account a couple years ago. It's a credit building card, you never actually use credit from them, you simply use your own cash to place on the card, and it acts like a credit card. I'm sure you're aware of the company, however on my credit report it shows an open revolving account for {$1700.00}. I called XXXX and cancelled the card, they acknowledged I don't owe them any money, there's no money to owe anyway, you don't borrow from XXXX. I closed the account, but they've been unable to help me remove this " open revolving account '' from my credit report. Instead of helping my credit score, they've made it worse, how do I get this removed from the report?
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, 2020, CONVERGENT OUTSOURCING add a derogatory mark on my credit reports. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtor*s creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA CONVERGENT OUTSOURCING has violated my rights as a consumer and I requesting legal action to remove this account immediately.
Product: Credit reporting or other personal consumer reports

XXXX! 

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 Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and 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: Money transfer, virtual currency, or money service

I had XXXX  on my cash app and one day went on and only had XXXX left and was told there was nothing they could do to help me my money back or resolve the situation
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent multiple letters to the credit agencies informing them to remove the collection from my report since I does not belong to me. I called XXXX XXXX  and they even confirmed they never had me in their systems.

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: Checking or savings account

So I had open a personal checking account with Citibank and someone managed to login in my online banking without my consent. So they mobile deposit checks into my account and thats when Citibank flagged it and closed it however now they recently sent me a letter claiming that own then {$190.00} when i didnt make the transaction to begin with.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under XXXX  according to XXXX XXXX XXXX  XXXX ( b ) ( XXXX ) XXXX ( b ) ( XXXX ). I kindly request that you delete and block this information from my credit report within XXXX business days pursuant to section XXXX of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX XXXX XXXX and would like for all listed accounts to be blocked and deleted from company Transunion. Please delete the following accounts. 

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 XXXXXX/XX/year>
Product: Debt collection

The letter I got from the debt collection agency did not have a date on the letter and it did not state what timeframe I had until debt reporting. I have attached both letters to show they never gave me a date of credit reporting, only a date of which I had until I could dispute. But even the date of the dispute is still after the date they already reported my account to collections. She advised my act was reported on XX/XX/year> and the letter I received said I had until XX/XX/year> to dispute. 

They also did not give me the mini XXXX until a supervisor got on the phone.
Product: Credit card

On XX/XX/19, I called Citi to indicate fraud on my account in the amount of about $ XXXX for fraudulent XXXX charges from XX/XX/XXXX to XX/XX/XXXX. I was told that the fraud team will investigate within two billing cycles ; however, they will not credit my account. I have a payment coming due and its still showing that I owe money on fraudulent charges. I called four times to request credits to my account during the investigation, but call center staff ignores question. They just closed my card and reissued a new one. In addition, XXXX charges that were pending which I indicated were fraud were still allowed to go through even with my card being locked.
Product: Credit card or prepaid card

I meet a white male on the XXXX  app who said he paid Citi card off, I provide him my password and username. I let a person into my Citi to help to pay credit card XX/XX/2019. This person in turn want to 10 gifts worth {$1000.00}. I owe {$990.00} which he paid off by his credit card. I was told by XXXX it was scam when I try pay for ten gifts with {$200.00} dollars with cards. They ten gifts card are steam. This person add his bank acount on my Citi credit card which I delete his account off my card as soon as I found it was a fruad or scame I report it to Citi bank, change my password, cancel the old card and replace it with a new one. The Citi put the {$990.00} back to my bank and charges back on my credit card. I know owe this person {$990.00}, because Citi Credit card will not refund him back.. I am getting text s from him and what he claims to be his borther. This person claims his borther works for the FBI. The borther got hold of my phone number without a warrant, so he has my address and phone number. The guys name who paid the credit claims to be XXXX XXXX. They have provide me this information Account number : XXXX Routing number : XXXX Name : XXXX XXXX XXXX : XXXX XXXX All I want was to give the money back to him. They threating me to press Criminal charges on me. All Citi has to do is refund the money back tohim. I receiving text from these numbers ( XXXX XXXX XXXX and ( XXXX ) XXXX, ( XXXX ) XXXX. I try to send it via XXXX, but my told me not wire money this individual. I call XXXX to cancel this transaction. Also, I got a money at XXXX on XX/XX/2019, so I can mail some money back him. I was trying payment arrangements with him and his borther. I still have money order will put the money to my account. The bank resend the back to my credit on XX/XX/2019.
Product: Checking or savings account

My check was deposited in the account XX/XX/XXXX I received a email from the bank during a ongoing issue with the third party I never received my check and have received no updates I called at XXXX XXXX  on XX/XX/XXXX to see whats going on and they gave me no information was told they have no idea when the issue with be resolved and it wouldnt make any sense for me to approach the branch they are working on it they have been working on this issue since XXXX
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request, pursuant to FCRA XXXX ( XXXX U.S.C. XXXX ), that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of receiving this complaint. This fraudulent, inaccurate, and false information consists of an auto loan with XXXX XXXX opened on XX/XX/XXXX, a mobile phone account with XXXX XXXX opened on XX/XX/XXXX, a collection account with XXXX XXXX XXXX XXXX opened on XX/XX/XXXX, an apartment debt collection account with XXXX XXXX XXXX opened on XX/XX/XXXX. I have attached a copy of the consumer FICO credit report maintained by you, which shows the aforementioned fraudulent items. I do not recognize these accounts as reported. These items appearing on my consumer credit report were not opened, made, or initiated by me and are all the result of identity theft and fraud. Additionally, I have attached a copy of the FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

The inaccurate reporting constitutes a violation of the FCRA, particularly : XXXX. 15 USC 1681e : Accuracy of Information : The FCRA mandates that consumer reporting agencies ensure maximum possible accuracy of the information contained in consumers credit reports. The inaccuracies present in my report directly contravene this agreement. 
XXXX15 USC 1681i : Duties of Furnishers of Information to Consumer Reporting Agencies : This section holds furnishers of information responsible for providing accurate data to consumer reporting agencies. any failure on their part to do so is a direct violation of FCRA.

XXXX.15 USC 1666b : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 

XXXX. 15 USC 1681 Section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

XXXX. 15 USC 1681 Section 602 States I have the right to privacy.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX offers free XXXX XXXX monitoring through Trans Union. 
Scores. XXXX XXXX : XXXX XXXX A drop of XXXX points. I use all my credit cards every month also paying my balance is off in full every month demonstrating responsible financial behavior I sent a copy of Trans Unions explanation why the XXXX XXXX dropped so much which does not apply to me. I enclosed a photo copy of the XXXX XXXX XXXX fico score chart and copies of bank statements reflecting Usage and payments of credit cards
Product: Credit reporting, credit repair services, or other personal consumer reports

This company CarMax has placed a debt on my XXXX report in the amount of {$7200.00} that was removed from the other two reports as it couldnt be validated. I also proved that I had no knowledge of the account. It is also passed the statue of limitations of seven years. I would like for it to be removed promptly from my credit report.
Product: Credit card

XX/XX/2022 I applied for Care Credit card last XXXX XXXX XXXX was accepted. During that time, they had promotion that if you charged to the card {$1000.00} you will receive a gift card in the amount of {$100.00}. Account needed to be in good standing, which it was and it is still. My registration number was XXXX and it was done on XX/XX/. I charged to the account {$2500.00} I called them over 9 times asking where the gift card is. The representatives always were saying you need to wait longer, or information will come in the mail. One rep said that, they have a third-party provider that handles the gift card, and they will be contacting them. Nothing had come by email or mail. When I called today, I spoke with XXXX, and she told me that nothing had been recorded in my file. They hope that I will forget about this and never question it. Can you please help me?
Product: Debt collection

XXXX XXXX purchased " debt '' without my permission from Regional Finance TX. I did not give permission for the company to do so. I have requested they they cease communication, alongside Regional Finance ( which was very abusive and harassing ). They continue to call and email me. 

I did not give permission for XXXX XXXX to purchase any " debt '' or represent me. I am the consumer and original creditor and do not owe. They have also been trying to pursue this for more than 180 days, and should cease trying to do so. 

In violation of USC 15 1602. I could list more if needed
Product: Debt collection

I recently disputed a medical account with this company in to validate an account on XXXX In which they received by mail on XX/XX/2020 at XXXX XXXX and still to this day I have not received a single letter for them. This is very unprofessional from a company to not respond to a request, and this is over 4 months old, and I've been patient enough and now I want answers I want them to validate this debt I have with their company. I asked them to provide my HIPPA release because I understand that the HIPPA does allow for limited information about me, but any details may only be revealed with the patient authorization, but I do not remember signing for them to release my medical information to any collection agencies including this one. 

I want them to provide a copy of my signature with the provider of service to release my information to this company. I will provide proof of documentation that I sent the company and will provide the certified Mail receipt with tracking number so you can review I feel disappointed having to wait over 4 months and never to be responded to.
Product: Credit reporting, credit repair services, or other personal consumer reports

I '' m having a hard time getting these six late XXXX XXXX payments removed from EQUAFAX, and XXXX. I already resolved this issue with the XXXX XXXX XXXX and my account is in forbearance. There is also no owed payment on my account with them and every thing is up to date. I was able to get these items removed from XXXX under the fair credit act which means they sided with my claim that there information was incorrect. pleas help me get the fed loan payments off of EQUAFAX and  XXXX because they wont budge.