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

DuringthepurchaseofticketsonFrontierAirlines,IsawabanneradforXXXXmilesanda{$100.00}statementcredit,followedbytheinstructionstoApplyatPurchase.Basedonpreviousexperiencewithbrandedcreditcardsaswellasthephrase"ApplyatPurchase'',IthoughtIwouldbeabletoapplyforthiscardattheandplacemypurchaseonitduringthisXXXXtransaction.WhenIgottothepaymentscreen,therewasnooptiontoapply,asshownintheattachedphotos.Placingthecursoroverthe"ApplyatPurchase''buttoncausedthemousetoturntoani-bar(notaclickablebutton).

WhenIcalledcustomerservicetoinquire,IwastoldthatIhadtouseadifferentcardformypurchaseandthatIcouldapplyforthecardbuttheapprovalprocesswouldtake7-10daysandIwouldneedthephysicalcardtomakeatransaction.Withsomethingtimesensitivelikeairlinetickets,thisisbothunusualandinconvenient(andsurprisingly,nottoFrontier'sfinancialbenefit).However,mymainconcernisthatthisoffereddeal(a{$100.00}statementcreditandXXXXmiles)isnotavailablewhenacustomerappliesforthecreditcardinanyotherpartofFrontier'swebsite.Instead,itisanofferofXXXXmilesandnostatementcredit,receivableafterspending{$500.00}onthecardandpayingtheannualfee.Insum,thepromotionaloffershownonthewebsiteisnotactuallyavailabletoconsumers.

WhenIcontactedFrontier,theyrepeatedlytoldmethatyoucanapplyforthisdealduringthepurchaseprocess.IwasunabletodosoonXXXXdifferentdevicesusingmultiplebrowsers.Thebuttonissimplynotthereontheuserend.
Product: Credit reporting or other personal consumer reports

I have tried to get this account removed in the past using the Fair Credit Reporting Act laws and it has been a true nightmare to deal with XXXX XXXX. 

First off, I requested a form of 1099-c which is a cancelation of debt about 3-4 years ago, to which I was told by them that they can not hand that to me till 7 years after the account was charged off. I don't know if this information is true but with the way things are going, seems like I will never get said form. 

XXXX XXXX is also reporting inaccurate and invalid information on my credit report as of XX/XX/XXXX which includes the date of the last activity and the date of the last payment on my credit report across the three credit bureaus XXXX, Equifax and XXXX, thus damaging my creditworthiness. 

Furthermore, XXXX XXXX is also reporting a payment history as of XX/XX/XXXX, which is long after the account has been charged off. 

There is more inaccurate and invalid data being provided to the credit bureaus by XXXX XXXX as well, like the reporting of this account as 'open ' even though it was charged off in XXXX. 

Under the Fair Credit Reporting Act laws, XXXX XXXX has been violating so many regulations which are grounds for the removal of this account from the Credit Bureaus. 

The statute of limitations in the state of California is seven ( 7 ) years ; according to The Fair Credit Reporting Act, this account should have already been removed from my credit profile. However, due to the illegal and unethical reporting from XXXX XXXX, this account remains on my credit report even after 7 years and will continue to remain because they have reported a payment history as of XX/XX/XXXX, therefore restarting the statute of limitations that applies to me through my state of residence ; California. 

Please understand my frustration as I have been trying to clean up my credit profile for my sake and the sake of my family.
Product: Debt collection

XX/XX/XXXX - discovered that my credit score had dropped XXXX pts on the XXXX XXXX XXXX XX/XX/XXXX - ordered credit report to try to investigate what had happened. XXXX showed that a collections had been posted to my account of {$350.00}. They claimed the " account '' was opened on XXXX. I never received any mail or calls or any documentation whatsoever. No letters indicating that I owed a debt, no calls indicating that services were rendered. Nothing. 

I live in XXXX and haven't been in XXXX since XX/XX/XXXX. 

XX/XX/XXXX - after calling XXXX, the original creditor is revealed to be XXXX XXXX XXXX XXXX I contacted them via XXXX. They responded with " unable to find you in our database '' and " contact our office to speak with our operations manager so he can better assist you. '' Seems like a scam,
Product: Credit card

I am receiving debt calls and letters stating I am going to be sued. They have even called my partner on his cell and home numbers. I am told I owe {$2100.00} from 2008. I have asked for proof, but none received. I did n't have a card then. The company is P & L Acquisitions. My partner told them not to call him again, but they are calling daily.
Product: Credit reporting

I disputed that XXXX was a fraudulent account due to the fact, due the fact of me filing a police report stating I was a victim of identity thief. This account was removed from my credit once but since then it 's back on my credit file and reporting negative.
Product: Credit reporting, credit repair services, or other personal consumer reports

I purchased a vehicle from a company called XXXX XXXX XXXX XXXX. XXXX, FL XXXX. I paid exactly {$23000.00} CASH in XX/XX/XXXX for an XXXX  XXXX. The company at the time unknowing to me was under some type of bankruptcy. I wrote the check out to the car dealership instead of the bank. The car dealership NEVER reported to the bank that I purchased the car in cash, instead they wrote it up as if I was financing the vehicle. I ended up paying the bank the full amount in XX/XX/XXXX just so that they can stop reporting to the credit bureau negative information. It now shows a repossession on my credit. I had to get a lawyer to threaten the dealership to pay me back my money that they took and never paid the bank with. They Finally gave me {$21000.00} back ( not the full amount ) however it shows on my credit report Repossession on all 3 bureaus. 
In conclusion, I purchased a car for {$23000.00} from a car lot. The car lot failed to pay the bank. Instead the car dealer created fraudulent documents stating I financed the vehicle. I obtained a lawyer to file a lawsuit, and the car lot then wrote me a check for {$21000.00}. It shows repo on all 3 credit reporting agencies when it should have never been on my credit because i paid cash for the vehicle.
Product: Checking or savings account

My account was locked the previous week and Robinhood claimed they would review for a release of funds by XX/XX/year>. The review did not take place and the funds remain locked and customer service is unresponsive regarding the issue. The amount being withheld is XXXX dollars.
Product: Credit reporting or other personal consumer reports

XXXX continually allows people to access my credit file unauthorized. I specifically requested to sign up for the {$25000.00} settlement several times they have REFUSED me. Last time I spoke to them they claimed my credit score was XXXX and now I was refused a loan because of there credit report stating I have no credit file. They need to fix my credit, put an extended fraud alert and stop giving unauthorized people access to my score. I am pressing criminal charges against them!
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the XXXX is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXXXXXX and stopping me from getting this job offer n now XXXX XXXX n cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

Unauthorized inquiries have appeared on my report from these creditors : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

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 debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ) .I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair CreditReporting Act. I am a victim of human trafficking of Debt Bondage and would like for all listed accounts to be blocked and deleted company informationXXXX. 
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 CITI XXXX. {$270.00} 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: Debt collection

The debt was settled via garnishment from my payroll check in XX/XX/2019. The owed amount was paid in full however the debt company has refused to correct the correct amount on my credit report.
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item 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 you responsible for your tenacious rebelliousness. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/XXXX
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX  and all payments were placed on Autopay. 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 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 in those accounts 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 reporting or other personal consumer reports

This company has been willingly and knowingly, reporting misinformation on my credit report. The following information needs to be removed from my credit report, because this misinformation is violating my Rights as a federally protected consumer NAME VARIATIONS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ADDRESS RECORDS : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX This information must be removed from my consumer report pursuant 15 USC 1681E accuracy of reporting.

These misspelled variations are lawfully defined as aliases only the name XXXX XXXX should be present on my consumer report. Everything else must be deleted. The address that I give permission to be on my consumer report is XXXX XXXX  XXXX XXXX  every other address associated with this consumer report must be removed.
Product: Mortgage

i am paying my home mortgage through my bank account every month on time some how my escrow amount went up {$88.00} a month in XX/XX/XXXX. which i was not aware. for month of XX/XX/XXXXand XX/XX/XXXX i still made a payment on time which newer been apply to my account neither returned to me and my mortgage company charge me two month late fee and also reported to credit beuro for two month late payment which harming me in my business. i called the mortgage company and also e mailed the matter and they are saying that they cant do any thing in it and they have no answer why they were holding my money for two months. if you can please look into the matter and please help me to fix my credit thanks a lot
Product: Bank account or service

I had a line of credit with a local Ohio bank. I paid it off about eight months ago. The current balance is XXXX. Now I am refinancing my home mortgage with a different bank. They are saying that the bank with the line of credit needs to be paid {$350.00} for closing the account ( they have a lien on the house even though I do n't owe anything ). I never was told about such a fee at the start of this line of credit ( which I used as a second mortgage ). Normally commercial banks do not charge anything for closing an account. Is this legitimate?
Product: Vehicle loan or lease

Heritage Acceptance Corporation XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Dear Heritage Acceptance Team, Subject : Request for Police Report Related to Vehicle Repossession ( XX/XX/XXXX ) I am writing to request a copy of the police report regarding the repossession of my vehicle, a XXXX XXXX XXXX XXXX which took place in XX/XX/XXXX. My account number ends in XXXX. 

I recently contacted the local police department and was informed that no report was filed regarding this repossession. If no police report exists, I kindly request that you remove the repossession entry from my credit report, as it may be inaccurate or unverifiable. 

Please let me know if any additional information is needed to locate the relevant documentation or if you require further information from me. You may reach me at the contact details provided above. Thank you for your assistance with this matter. 

Sincerely,
Product: Checking or savings account

I ordered groceries that was not delivered I called the store and they gave me an immediate credit. Chime refuse to honor the immediate credit, I was told it would be XXXX days before I would receive my refund.This is ridiculous, the normal time is XXXX business days.It is for their benefit, not mine.I need my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX  and Experian showing inaccurate information
Product: Debt collection

This was not sent in error, I am a consumer by law and my information was misused and now I have some false not 100 % accurate accounts on my credit report. Unauthorized use of my credit report.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform leaving my account vulnerable and unprotected. Further more their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) And Regulations E These actions have caused significant inconvenience and financial loss, and I seek appropriate redress of his situation.
Product: Money transfer, virtual currency, or money service

On XX/XX/2019 XXXX issued me a check for the amount of {$4000.00} via direct deposit, which I arranged to be deposited to my PayPal account. PayPal refuses to release my money to me. Every single time I attempt to utilize my funds I receive an error message. I have called numerous times about this matter. On XX/XX/2019 the money posted to my account and should have been readily available for my use however PayPal is attempting to steal my money from me by keeping it away from me. This company is guilty of gross misconduct, false advertisement, and fraud. PayPal has time and again promised me and " Rest assured you will have your money within 24 hours ''. These people are criminals of the worst kind and I have incurred damages as a result. Additionally PayPal made sure to deduct funds from the deposit to pay itself.
Product: Credit reporting or other personal consumer reports

1.The account is consistently reported with false and fraudulent information by XXXX. 
XXXX. XXXX XXXX XXXX XXXX XXXX has received notice of this incorrect information and has been asked to provide certified evidence of the information being reported. See attached affidavit. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX this account is CHARGED OFF but has not provided evidence of the charge off. 
XXXX XXXX XXXX XXXX XXXX has not provided the requested Tax forms proving that this alleged account was properly reported to thXXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX has XXXX notified that all rights are reserved without prejudice or recourse and to acknowledge every right afforded by the Bill of Rights and the Constitution of the United States. See Attached Copyright notice 6.Additionally, XXXX XXXX asserts that it investigated this account, and that the information is verified. 
XXXX XXXX refuse to provide the means that was used to verify this account and has taken a position partial to Discover. 
XXXX. Notices were sent to Discover/ XXXX XXXX XXXX XXXX XXXX mail # 's XXXX and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received my credit report on XXXX and notice there were hard inquiries that don't have permission to be on there .These inquiries are hurting me for getting approved. I already reached out to the credit bureaus about this multiple times they keep violating my right under 15USC 1681b. I also have attach the hard inquires that don't have no purpose to be on my credit report.
Product: Credit reporting or other personal consumer reports

proof of validation and original contract .according to the fair credit reporting act 15usc 1681 section 602 a states a need to insure fairness and respect for consumer right to privacy.XXXX, transunion and XXXX are consumer reporting agencies.i am a consumer.15 use 6801 states protect the security and confidentiality of those customersXXXX XXXX  is financial institute by def under title .15 usc 1681 section 604a section 2XXXXXXXX XXXX, transunion XXXX XXXX and XXXX does not have my consent to furnish this information or written consent.any and all consent to Transunion, XXXX, XXXX, XXXXXXXX XXXX XXXX XXXX XXXXweather it be verbal or non verbal written or unwritten is revoked. 15 use 6802 b c states financial institutes may not disclose non public information. XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX never informed me of my rights to exercise my disclosure option.also 15 use 1681c a 5 except as authorized under sub sec b is against the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have asked that the debt be validated by Regional Finance and verified by the credit bureaus -XXXX XXXX XXXX and XXXX. I've sent a request to remove this inaccurate information on four different days. On XXXX, XX/XX/2021, I sent letters via certified mail. XXXX XXXX and XXXX still have not removed this inaccurate information from my credit file. Regional Finance has sent me a letter stating they sold this account to XXXX XXXX XXXX and all ownership rights belong to them. 
Pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ), I have the right to request validation of the debt that Regional Finance says I owe them. Therefore, I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation which is binding on me to pay this debt. Also, in compliance of Section 623 ( a ) ( 8 ) ( D ) of the FCRA, if Regional Finance can not validate because they sold the referenced account with disputed information, then Regional Finance is reporting " Unverified/inaccurate information '' -- which is a violation of Section 623 ( 2 ) ( 1 ) ( A ) & ( B ) ; and Section 623 ( a ) ( 8 ) ( E ) of the FCRA.