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

I contacted Prosper credit card and advised to close my account to stop fees and I would pay off within 30 days using online account. They closed my account and instead if leaving the account payment service open. They closed it down and still marked late payments. It can't be late if I closed it. I can't make payments online and don't trust a human not to steal my bank account info. I want them to grant access and reverse fees and negative remarks on credit reports. I'll immediately pay off as I've promised. I've contacted them asking for this to no avail. Help me please.
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/year> ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit 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 consists of Collection Account : First Premier bank account number XXXX, and XXXX XXXX account number XXXX, These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US 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

needs to delete this account from my credit report and stop all contact with me.Pursuant to the Fair Debt Collection Practices Act, 15 U.S.C. Section 805., you are hereby notified to CEASE AND DESIST all further communication with me in regard to the referenced debt. Failure to abide by this law will result in a complaint being filed against you with the Federal Trade Commission, the Attorney General of both your state and mine, and also your own company management. I also have the right to file suit against you for any future violations of this law. I will record any and all phone calls if you fail to comply with this CEASE AND DESIST.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 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 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.
Product: Credit reporting or other personal consumer reports

I was denied a bank account with XXXX XXXX  due to accounts and transactions that were furnished to my XXXX XXXX XXXX consumer report from JP Morgan Chase. After having XXXX XXXX XXXX investigate the accounts, they confirmed that the information furnished by JP Morgan Chase was not 100 % complete, accurate, or verified ( I have proof in the attachments ). Under The Fair Credit Reporting Act 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. The inaccurate reports caused damage to my financial reputation and humiliation. Also, this information should have never been in my consumer report in the first place because pursuant to 15 USC 1681 ( 2 ) ( A ) ( i ) a consumer report containing information solely as to transactions or experiences between the consumer and the person making the report is prohibited, especially without my permission.
Product: Credit reporting or other personal consumer reports

My account with SXXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in 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. SELF FINANCIAL/LEAD BA 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, credit repair services, or other personal consumer reports

I was advised to contact you regarding items on my credit that are not mine. I went to get a loan from my credit union and they was only able to approve me for a small amount due to items on my credit that are not mine. I have been with this credit union for 8 years and even have my car with them. Please have the items removed from my credit The accounts im talking about are XXXX  XXXX XXXX, XXXX and XXXX/XXXX. I have reached out to the FTC and my local police department.
Product: Checking or savings account

On XX/XX/2023 i went to the Chase bank atm located in XXXX, pa at XXXX XXXX XXXX XXXX XXXX. Inside a shopping plaza to make a ATM cash deposit. I inserted {$800.00} into the machine and it started making a lot noises. Then told me to take my money but it was no way to grab the money because of how it had a hold of the money with clamps over it. So after a min the machine then just took the money. i go to this same atm often to make deposits but this time the ATM ended up taking my money without depositing anything into my account. No receipt came out and on the screen it told me to call a number to make sure my money got deposited. I called the number they were able to deposit the money within a couple of hours while they investigate. Today XX/XX/XXXX i got a reversal for {$430.00}. I called and they are saying after they investigated i only deposited {$360.00} which is not true at all. I indeed deposited {$800.00} i didnt even insert any {$1.00} bills at all. It was all {$50.00} bills and {$20.00} bills. Please i need help this is my hard earned money that they took.
Product: Bank account or service

UNABLE TO WITHDRAW FUNDS FROM CHECKING ACCOUNT. BANK WOULD NOT HONOR CHECK FOR BALANCE SINCE IT WAS AN ELECTRONIC CHECK.
Product: Mortgage

I signed the statement with the mortgage company STEARNS LENDING , LLC ( Loan ID XXXX ). The settlement schedule on XX/XX/XXXX. Due to the rate surge, they cancel my settlement.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Student loan

Edfinancial Services is trying to collect payment on loans that are in the borrower defense that are supposed to be discharge. I received a letter stating loans from XXXX University are being cancel. XXXX XXXX for XXXX XXXX XXXX XXXX are being discharged as well. I asked the company to provide the new total amount to me, which the company has not. I'm also in school and is not required to pay any loans because of it. 

In XXXX  I consolidated the XXXX XXXX XXXX XXXX. The total loan amount was added up wrong. I filed complaint after compliant with no resolution. The unsubsidized amount should have been {$14000.00} the balance is showing {$16000.00}. {$2400.00} was added to my loan amount and that wasn't interest. Subsidized loan amount should have been {$9100.00} and they have {$8100.00}, {$1000.00} was not added. I consolidated again in XXXX still not aware the loan amount was not corrected {$12000.00} for subsidized was added and {$6000.00} for unsubsidized loan. subsidized should total up to {$22000.00} plus {$1700.00} interest and {$600.00} in interest should be added {$20000.00} for unsubsidized. the balance are incorrect and wrong on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was given a thirty day late while i was in a XXXX  XXXX bankruptcy on XX/XX/2011, my attorneys were XXXX XXXX Attorneys at Law looked into the matter with Ocwen Mortgage and resolved the issue but a couple years ago XXXX had a data breach and when they got it resolved it came back up!! the 30 day late. this is the issue i was never late with Ocwen and my Attorney and i with bank statements proved it, so why are they reporting the wrong dates of me being late to keep it open it seems to be deliberate and predatory and i want to really sue for all the capital they have cost me since XXXX!! please can you help? thank you!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to XXXX XXXX, XXXX and Equifax by mail for a dispute on XX/XX/XXXX regarding inaccurate information on my credit report that was report by XXXX XXXX XXXX I advise them that I was not responsible or liable for any charges presented on my I was told that the apartment was moving ready up on my arrival I walked into a partially clean property theres trash and breeze in every room the walls werent even painted there were cobwebs in the windows AC unit did not work at all there was a huge issue for me and my children myself the humidity and heat was triggering XXXX symptoms for my children I sent communication several times to the company and they did not respond they left me no choice but to find another place add this went on for three weeks off I reached out to the landlord numerous times so I decided it was time for us to move we was only there for three weeks but did not have any air and it was over 103 in the house I even advised her that I was not going to get the electricity switched over until they had it fixed the walls were never done painting and this is how it looked the day that I moved in I have sent XXXX XXXX pictures I sent them the day that I signed my new lease and the invoice that was sent to me the information thats been reported is an inaccurate she said I moved out XX/XX/XXXX my new lease shows XX/XX/XXXX A receipt was sent to me for {$2800.00} the information from the debt collector had a different amount on there which was {$2900.00} She charged me the damages to a wall that wasnt even painted and I sent all of this proof over to XXXX XXXX and XXXX XXXX sent me a letter and XX/XX/XXXX stating that the information was valid so I called XXXX XXXX XX/XX/XXXX and ask them how is the information valid when I sent over proof why is it not delete it off my credit report and the guy from XXXX XXXX told me that it dont matter what documents that I sent in if the debt collection agency states the debt is valid then its gon na stay on account until they remove it and I kept asking him how because all information have to be reported accurate and I was told sorry maam theres nothing that we can do unless the debt collector remove it
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
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, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I noticed I was a victim of identity theft because I accessed my credit reports and seen a Capital One account that had a balance of {$380.00}. I filed the necessary identity theft report with the XXXX and the XXXX XXXX Police Department. I mailed it certified mail to XXXX, XXXX and XXXX on XX/XX/2020. Notification was sent XX/XX/2020 from XXXX that it was removed and blocked, and XX/XX/2020 XXXX advised it was removed and blocked. As of today XX/XX/XXXX, I am noticing that the items have been reinserted without proper notifications. I did not receive any mailing from them that indicated it would be reinserted or the information that they found the account to be accurate. Under article 609, they have no signed contract verifying I had many any transaction with Capital One. On XX/XX/2020 I did apply for a Capital One Quick Silver card as a recommendation online from XXXX and was approved. I did provide my information then. XXXX and XXXX also continue to report inquiries on my credit report that have not been authorized by me and were included in my XXXX and police report. I did not have this issue with XXXX 

I have also reached out to Capital One requesting validation of said account on XX/XX/2020 to no response. Instead they have sent me to XXXX XXXX XXXX which is a collection company and even then they have no proof and are not reporting on my credit files. I advised them to stop calling me and harassing me over a debt that is not mine.
Product: Bank account or service

On XXXX XXXX Wells Fargo conducted an unauthorized hard check on inquiry on my credit report. I submitted an online request for Wells Fargo to contact the credit bureaus have the unauthorized inquiry removed. Instead of complying or providing me with an explanation for why they conducted a hard inquiry Wells Fargo asked me to file a request via mail. Since my experience with disputes by mail has been that they lack accountability and are often simply a way of dragging out the resolution process with the goal of discouraging the consumer from pursuing the issue I am filing a CFPB complaint instead.
Product: Credit reporting or other personal consumer reports

As a consumer, I actually have protection under the law that is delivered to me to secure me from misinformation simply being noted on my credit report. At this time I would like to prepare a final appeal for investigation before I confer with my own counsel to obtain advice on how to handle fraudulent, incorrect and unverifiable accounts that are keeping to be established as correct. Be sure to generate me with a duplicate of the agreement signed or voice interaction where I permitted charging me regarding this account. Bankruptcy XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Subject : Complaint Against XXXX for Inaccurate Reporting and Unauthorized Entries Dear CFPB, I am writing to file a formal complaint against XXXX regarding inaccurate information reported on my credit report. The issues include late payments, closed accounts, and charge-offs that were reported without my consent. These inaccuracies have severely impacted my credit standing and financial well-being. 

Issues to Address : Late Payments, Closed Accounts, and Charge-Offs : These entries are incorrect and were reported without my authorization.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute with Equifax regarding duplicate accounts on my credit report regarding the company XXXX. They are for the same account, however, one shows paid and the other shows unpaid but both are having a  negative affect on my credit score. I asked that both accounts be investigated to determine which should be reported. They updated the paid as being verified as of XX/XX/XXXX but did not investigate as requested the unpaid account. If the paid account has been verified, the unpaid duplicate account for XXXX needs to be removed as it was last verified XX/XX/XXXX. <P/>Also, I have requested that Equifax remove an account that is reporting on my credit report because it is medical debt. I have made at least 5 dispute request to get this item, XXXX XXXX, removed and have been unsuccessful. It is even listed as medical debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous items that need to be investigated and corrected : 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
Product: Bank account or service

I have been a customer of Bank of America for over 30 years. I went into the location at XXXX XXXX XXXX XXXX, XXXX, TX on XXXX XXXX, 2016. My brother and sister-in-law went in with me into the bank so that way I could check on my account and withdraw some funds, and possibly either close the account or remove my son as a signer. I do not want to go into detail about my situation, but the family had opened XXXX cases against my son for elder abuse. So in an effort to be proactive, I brought in a letter from my doctor dated XXXX/XXXX/16 stating that I was clearly competent times XXXX, and perfectly capable of managing my own affairs. I also brought in the paperwork to show that I had revoked my sons POA as well just in case the bank needed to see that paperwork. 
The Financial Center Manager, XXXX XXXX, took us into her office. She looked at my ID, asked me for my social security number, and pulled up my account. She did n't look at the paperwork that I brought in and acted as if it was meaningless. So I asked for {$500.00} and a recent print out of my accounts, which she provided with no questions asked. But then when I asked about removing my son from the account or withdrawing more funds, she left the room and was gone for 15 minutes. XXXX then returned with her assistant manager ( XXXX ), and told me that they called my son XXXX, and that they would NOT give me any more information, statements, would not withdraw any more funds, or perform any other transaction for me. 
In fear for my safety, my brother suggested that we leave as soon as possible since XXXX now knew my whereabouts as a result of the phone call that XXXX made. We called my niece, who is a XXXX in XXXX, and told her about the illegal treatment we received. She immediately got on the phone and tried to contact the District Manager, XXXX XXXX, but he did not answer the phone. So she sent him an email informing him of what happened. Well, as XXXX would have it, we stopped at the next Bank of America that we could find, and XXXX was there. XXXX told us that he was aware of the situation and received the email, but that he could not release the hold that XXXX XXXX had placed on the account. He looked over my paperwork and assured us that XXXX would take care of me the next time that I went into the office. I am not sure why he could n't have taken care of me, which was NOT right. 
My niece flew down from XXXX to go with us to the bank to withdraw at least my Social Security deposit, but XXXX had deleted the hold and gave all of the funds to my son on XXXX/XXXX/16. Why did she give it to him on XXXX and not me on XXXX? This was a joint account and the funds going into the account are all mine. My right were violated! Of course, he is stating I am incapacitated, but there is NO court order and as you can see, I am quite competent. There is no reason that those funds should not have been given to me on XXXX/XXXX/16. I believe XXXX XXXX must have been bribed because what she did was illegal!! 
My privacy was violated, my money was stolen with the help of XXXX, and I want my money back or I am filing a lawsuit.
Product: Checking or savings account

I sent funds to the wrong account thinking it can be reversed, I was never aware that if theres an error it wont be reversed.