23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I signed up for the Citi XXXX XXXX credit card with the agreement that if I spent {$1000.00} in the first three months I would be awarded XXXX bonus miles. I met that obligation and was awarded the points on XXXX/XXXX/15, however Cti sent those to account that was not mine and have refused to correct it saying I needed to go to XXXX XXXX to correct. XXXX told me that Citi needs to correct their error as they can not link my account to the account the miles were sen to. I gave Citi the correct fredquent flier number when i signed up for the card. In my latest attempt with Citi to correct this I was told they again sent it to XXXX and I would have to wait 30 days for a response. It has been almost two months since I was awarded the point but have failed to be credited to me. I expect the XXXX point I earned to be credited to my correct account : XXXX. I also expect Citi to make sure than any other miles I have earned are also credited appropriatly.
Product: Credit reporting or other personal consumer reports

Last year I discovered a false account with XXXX XXXX Bank and XXXX XXXX XXXX XXXX reporting on my file because of identity theft. I contacted the credit bureaus about it and they told me to file a dispute and a identity theft report with the Federal Trade commission. I submitted the dispute a the report but XXXX XXXX Bank and XXXX XXXX XXXX denied the claim. This is not my debt. I have been cooperative with everything asked of me to dispute but they refuses to stop reporting. Please investigate and help me resolve this issue. There is no way I willing to pay a debt that is not mine.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX for XXXX XXXX and XXXX XXXX XXXX XXXX Dear Consumer Financial Protection Bureau, I am filing a complaint against XXXX XXXX XXXX due to inaccurate and misleading information reported on my credit report and several violations of my consumer rights. 

Details of the Complaint : Inaccurate Credit Reporting : In XX/XX/year>, I made a payment to XXXX XXXX XXXX that brought my balance to {$51.00}. Following this, my account was closed. Despite this, XXXX continued to charge maintenance fees and late fees in XXXX, XXXX, and XXXX on the closed account. Reporting late payments on a closed account is misleading and damaging to my creditworthiness. 
Misleading Communications : XXXX failed to provide any formal written notice regarding the closure of my account. I only received conflicting information from customer service representatives, which further added to the confusion. 
Failure to Provide Notice of Adverse Action : XXXX has not provided the required notice of adverse action within XXXX  days of closing my account, which is a violation of the Equal Credit Opportunity Act ( ECOA ). 
Violations : Fair Credit Reporting Act ( FCRA ) : XXXX violated FCRA by reporting inaccurate information, including reporting late payments on a closed account and continuing to report balances on a closed account. 
XXXX XXXX XXXX : Aspires reporting practices are inconsistent with XXXX XXXX guidelines, particularly in terms of reporting a closed account with an active balance and inaccurate status codes. 
Truth in Lending Act ( XXXX ) : XXXX failed to provide accurate disclosures regarding the closure of my account and the fees being charged after the account was closed. 
Unfair, Deceptive, or Abusive Acts or Practices ( UDAAP ) : Aspires inconsistent information and lack of transparency violate the Consumer Financial Protection Act 's UDAAP standards. 
Request for Resolution : I respectfully request the CFPB to investigate XXXX XXXX XXXX ' practices and compel them to : Cease reporting inaccurate information on my credit report. 
Correct the existing errors, including the removal of any late payments on the closed account. 
Provide a clear explanation and settlement of the debt at the original balance rate, if applicable. 
Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Product: Bank account or service

When I was obtaining a Home Equity Line of Credit from Bank of America I was XXXX that the prepayment penalty would be waived if I opened a new line of Credit on another home. Now they say the fees can not be waived.
Product: Credit reporting or other personal consumer reports

IN REGARDS TO THIS ACCOUNT # XXXX, THE PAYMENT HISTORY IS INCOMPLETE. PLEASE INSURE THE COMPLETENESS AND ACCURACY OF THIS ACCOUNT. 

The Fair Credit Reporting Act ( FCRA ) requires that consumer reporting agencies take steps to ensure consumer reports are accurate and to conduct investigations of information disputed by consumers. The FCRA provides people multiple ways to dispute inaccurate information on their consumer reports, including by contacting consumer reporting agencies directly. The FCRA also requires that consumer reporting agencies follow certain procedures before reinserting into consumer reports information that has previously been removed as the result of a dispute. 
The CFPB alleges that Experian has violated the FCRAs requirements for handling consumer disputes in numerous ways. Specifically, the CFPB alleges that Experian is harming consumers by : Conducting sham investigations that fail to properly address consumer disputes Improperly reinserting inaccurate information on consumer reports Furthermore, the sale or sharing of my personal information to a third-party collection agency without my explicit consent constitutes several violations of both the Privacy Act of 1974 ( 5 U.S.C. 552a ) ( b ) Conditions of Disclosure.No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains, unless disclosure of the record would be ( 12 ) to a consumer reporting agency in accordance with section 3711 ( e ) of title 31.

This also violates the Gramm-Leach-Bliley Act ( 15 U.S.C. 6801 ). Under the Privacy Act, federal agencies are prohibited from disclosing personal information without the individuals consent, except under certain circumstances, and under the Gramm-Leach-Bliley Act, financial institutions are required to protect the privacy of consumers nonpublic personal information and limit disclosures to third parties without consent. Given that I did not authorize this disclosure or sale of this account, I am formally requesting immediate action to investigate this violation, cease further sharing of my information and to remove all unauthorized reporting related to this account.
Product: Money transfer, virtual currency, or money service

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.

Furthermore, 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 Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Debt collection

I have a medical debt that originated with XXXX XXXX. I was making monthly payments for well over a year, maybe even 2 and when I was unable to continue, the debt was sold to BC Services Inc. Total currently due ( {$8100.00} + {$7700.00} ). Same incident but for some unknown reason, these were submitted on 2 accounts. 

When I missed a payment, it was reported to the credit bureau and when I called to rectify, I was told that nothing could be done except to pay the balance. They offered to reduce in half if I paid in one lump sum. I explained I didn't have {$7900.00} and they suggested I get a loan to pay it off. The interest was over 20 % so I was unable to get the loan. They threatened on several occasions to take me to court. 

I recently submitted this debt ( and the one associated with the surgeon from the same accident ) to a 'debt relief company ' and I am paying them $ XXXX. The total medical debt is $ XXXX. The surgeon office never submitted my unpaid account to collections. 

I have been trying to get approved for 'First-time home buying ' programs to help me purchase a home and this debt on my report has resulted in my requests being refused.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi Sir/Madam, I have bought a new car ( XXXXXXXX XXXX XXXX ) in XX/XX/2023 and financed it with " Hyundai Motor Finance XXXX XXXX When I went and check my XXXX XXXX credit report, it is showing that I have financed it with " XXXX XXXX XXXX XXXX. 

This issue is present only with XXXX XXXX credit report. XXXX and XXXX showing the correct data. 

I have tried contacting XXXX XXXX Credit bureau multiple times but no luck. 

So that is why raising complain over here to fix my XXXX XXXX credit report. 

I am attaching my latest XXXX XXXX credit report as well as latest Auto loan statement from Hyundai motor finance.
Product: Credit reporting, credit repair services, or other personal consumer reports

For the past few years I have been working on repairing my credit. I have sent three or four disputes to XXXX in order to have these accounts removed for incorrect reporting of payment information and their inability to comply with the North carolins statute of limitations for debt which is now 3 year not the standard 7-10 years. Every dispute has been denied stating that the financer in reporting information correctly and that XXXX is operating under all guidelines of the FCRA when they are not. I am trying to purchase a home soon and their negligence is hindering my process.
Product: Credit card

On XX/XX/year> someone ( not me ) fraudlently opened a Target Circle Card Credit Card in my name. They spent ~ {$940.00}.
Product: Credit reporting 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 : # 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, DEPTEDXXXX XXXX  XXXX, DEPTEDXXXX XXXX XXXXXXXX, DEPTEDXXXX XXXX XXXXXXXX, DEPTEDXXXX DEPTEDXXXX XXXX XXXXXXXX, DEPTEDXXXX XXXX  XXXX, DEPTEDXXXX XXXX XXXXXXXX, DEPTEDXXXX XXXX XXXXXXXX, DEPTEDXXXX XXXX XXXXXXXX, DEPTEDXXXX XXXX XXXXXXXX, DEPTEDXXXX XXXX XXXXXXXX, DEPTEDXXXX XXXX XXXXXXXX, DEPTEDXXXX XXXX XXXX  DEPTEDXXXX XXXX XXXXXXXX has violated my rights.

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.

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

15 U.S.C 1681 Section 604 A Section 2 : Il 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. 16813-2 ( 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 am writing to formally dispute inaccurate information that you have reported on my credit report. The entry in question is as follows : Account Number : unknown Reported Amount : {$610.00} & {$610.00} Nature of Dispute : I believe the information is incorrect and unverified. ] Under the Fair Credit Reporting Act ( FCRA ), specifically Section 1681s-2 ( b ), furnishers of information are required to ensure that the information they provide is accurate and verifiable. Furthermore, Section 1681i of the FCRA mandates that upon receiving a dispute from a consumer, the credit reporting agency must conduct a reasonable investigation to ensure the accuracy and completeness of the information reported.

I request that you investigate this matter thoroughly and provide me with a written response detailing the results of your investigation. If you are unable to verify the accuracy of this information, I expect it to be promptly corrected or removed from my credit report. Additionally, I request that you notify all three major credit bureaus ( XXXX, Experian, and XXXX ) of these corrections. 

Please be advised that if this matter is not resolved to my satisfaction within [ 30 ] days, I will consider all available legal remedies, including but not limited to seeking litigation for violations of the FCRA and any other applicable consumer protection laws. I would prefer to resolve this matter amicably and without the need for legal action, but I am prepared to take all necessary steps to ensure that my rights are protected.
Product: Debt collection

The debt collectors is giving me the run around regarding resolving my debt. I reached out to settle the debt but the company cant verify its mine.
Product: Mortgage

Hello my name is XXXX XXXX XXXX. Im writing to let you know that someone has gotten approved for a mortgage loan in my name and that they should be moving into their a place that they purchase and they should be moving in a couple days. I never received the call or email or the application that was supposed to be in my name. They have done this fraudently in my name and social security number. They stole all my money and all my personal information and they also my tax return and insurance to be able to purchase this house. They also that gotten car loans and credit cards in my name without my knowledge. They have gotten student loans and etc. Im writing to make sure that they dont get anymore money in my name or be able to get access to anything else. They changed my phone number that was on the original application and they have be impersonating me and using my income and identity and social security number to be able to commit these fraudulent activities in my name. And they need to be stopped. Im going to report them to the police department again.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Was told they couldnt do anything about inquiries.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the XXXX XXXX XXXX XXXXXXXX act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States that I have the right to privacy.

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

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.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I have sent a letter to Equifax on XX/XX/XXXX requesting to investigate and verify the Accuracy of the account on my Credit Report. This account ( XXXX XXXX XXXX is reporting erroneous information on my File. Despite the previous written requests sent to Equifax, they seem to simply ignore my appeals by not responding to my letters. The FCRA Sections 609 ( a ) ( XXXX ) ( A ) and 611 ( a ) ( XXXX ). ( A ) requires the Credit Bureaus to verify and authenticate the accuracy of these accounts. It is unacceptable to continue reporting this account as unconfirmed information without producing proof within the time allowed by law. By the provisions of the FCRA, I urge Equifax to investigate the erroneous account and have it corrected. 

XXXX XXXX XXXX Late Date XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an UNAUTHORIZED and FRAUDULENT inquiry on my credit report ( XXXX XXXXXXXX XX/XX/2023 ). I am not the one who initiated the inquiry. I am submitting a complaint regarding this inquiry and for assistance to REMOVE it from my credit report immediately.
Product: Credit reporting or other personal consumer reports

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was recently going to check out a new car at XXXX. After carefully consideration I decided to apply for a loan for this car. Moments later I was decline for a lower interest rate and approved for an extremely high interest rate. Which promoted me to check my credit report. After doing so I notice a couple of items on my report that are not mine. These items need to be deleted from my credit report. XXXX XXXX XXXX {$2500.00} XXXX XXXX XXXX XXXX XXXX XXXX {$780.00} XXXX XXXX  XXXX {$2500.00} XXXX  XXXX XXXX XXXX XXXX {$780.00} XXXX XXXX XXXX {$150000.00} XXXX/XXXX   XXXX XXXX $ XXXX XXXX XXXX XXXX  XXXX XXXX {$28000.00} XXXX XXXX XXXX  XXXX XXXX {$65000.00} XXXX XXXX XXXX {$1000.00} XXXX/XXXX XXXX {$0.00} CHAPTER XXXX BANKRUPTCY DISCHARGED XXXX {$0.00} XXXX XXXX   XXXX {$550.00} XXXX XXXX {$550.00} XXXX  XXXX {$4600.00} XXXX   XXXX XXXX {$3800.00} XXXX XXXX  XXXX {$53000.00}
Product: Credit card or prepaid card

I have a Chase Business XXXX XXXX  card. On XX/XX/XXXX, two charges from XXXX showed up on my credit card in the amounts of {$250.00}. The two charges were for identical amounts and on the same date. I had not booked any flights with XXXX so I called Chase to dispute the charges. I also informed XXXX that I did not book any flights. XXXX did not issue a refund. Chase, however, reversed the charges on my XXXX statement and I received credits for those amounts and I thought I no longer would have to be liable for these charges, since I did not book these flights. Unfortunately, on my XXXX statement, they added the charges back to my credit card. I called again on XX/XX/XXXX to dispute the charges and ask why the charges were put back on my credit card. The agent on the phone asked me to send a screenshot of the flights I took with XXXX. I told her that the last flight I took or booked on XXXX was from XX/XX/XXXX. I sent a screenshot of this and sent it as proof to XXXX on XX/XX/XXXX at XXXX XXXX  XXXX. On XX/XX/XXXX, Chase sent me a letter stating that they still will not reverse these charges, despite the fact that I provided proof that I did not take any flights with XXXX after XX/XX/XXXX, which is when the charges appeared on my Chase card.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction that I have made. It is the result of identity theft. I have supporting documents and details enclosed to verify my identity and to support my dispute about these fraudulent accounts. These accounts being reported on my credit report calls for action of deletion because these accounts show many inaccuracies or fraudulent charges not made by me across all 3 bureaus show that these accounts. I found incorrect addresses. This is in clear violation of my Fair Credit Reporting Act ( FCRA ). I ask that the accounts listed below be removed because its in violation of The Fair Credit Reporting Act. I ask that the accounts and inquiries be investigated thoroughly and removed to restore my good credit profile.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed a bankruptcy with XXXX, Equifax, and XXXX. They told me if was verified through XXXX XXXX I reached out to XXXX  XXXX  and it was deleted on their end. I need all three credit bureaus to delete this bankruptcy ASAP!
Product: Payday loan

I have never applied for a loan, done business with, or even heard of Big Picture Loans. 

I received a {$200.00} credit to my bank account from Big Picture Loans on XXXX/XXXX/2016. 
{$200.00} was later debited from my bank account from Big Picture Loans with a note : " Name Mismatch '' on XXXX/XXXX/2016. 
Big Picture Loans then tried to debit an unknown amount from my account on XXXX/XXXX/2016 which resulted in a declined item and a non-sufficient funds fee from my bank of {$34.00}. 

I believe fraud is involved on how Big Picture Loans was even able to acquire my bank account number, and am unsure if someone took out a loan with my identity.
Product: Mortgage

I received a phone call from Seterus mortgage/debt collection company inquiring about my monthly mortgage payment. The payment was not made on the XXXX but instead on the day they called which was the XXXX. I inquired as to why they were calling within the 15 day grace period and that I have never missed or been late on a mortgage payment. They said they will call until they receive the payment unless it is made on the XXXX irregardless if the payment is made within the grace period.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act Convergent These 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 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 Have 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 consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting 51 late payments in the greater than 90 days category. On my Experian report, its reported as 51 charge offs, the time it went delinquent to the time I paid it off. I paid off other accounts and no one is reporting it like this. I just applied for a loan at a bank, and this is significantly dragging my score down. The total amount I was late was approximately {$150.00}. The loan officer said they had never seen it reported like that, and that it was excessively punitive. He said that I should be able to get it removed. 

I filed an investigation with XXXX XXXX requested that it be investigated and removed. They replied saying that it was correct and they were not removing it. It is a significant hindrance to my getting loans, and seems extraordinarily punitive.