23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

i have sent the check numbers with amounts of each check that cleared thru my bank but the company says i have not made a payment for the past 7 months, i have proof demonstrated by the cashed checks at my bank. i provided this proof at least 5 times over the past year as this is an on going accusation of this company. each time they send me a statement saying I owe over {$3000.00} to be satisfied in a month or they will foreclose. I called 2 days ago and finally got a live person on the phone which was no help at all as the person was rude, condesending and accusatory and told me to shut up so he could talk. I called to make arrangements to satisfy the balance in question but was told the statement was correct and I was to stop talking over him and it did not matter that I was called to ask for modification as I had recently had XXXX XXXX XXXX and was still under the cardiologist care. I got off the call with NO results and very frustrated about my mortgage. I did not appreciate being talked to like a child ( i am an educated XXXX yr old man ) by some punk who refused to listen to me. 
sincerely XXXX XXXX
Product: Debt collection

Filed a writ of garnishment against my company without cause and without following the proper procedure. 

At no time have we received any communication from said company. 
Nothing has been served to us. 
We do not know of or owe debt to said company. 

This case was never even served to us. 
We were never notified of a case.
Product: Credit reporting or other personal consumer reports

I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items : collections : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Inquiries XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Checking or savings account

Bank of America no longer issues temporary debit cards. In an increasingly cashless society ( since Covid places straight up refuse cash ), I am unable to access my money for up to 6 business days. This is absurd and should be considered criminal. The only thing they offer aside from pulling cash is a virtual card on my phone which I will not do after the hundreds of leaks from hackers.
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 Human Trafficking 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 form my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ). I am a victim of human trafficking of Debt Bondage and would like for all listed accounts to be blocked and deleted company information Experian. Please delete the following accounts 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

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXXXXXX XXXX XXXX Balance : {$3200.00} XXXX XXXXXXXX XXXX Balance : {$750.00} XXXX XXXX XXXX Balance : {$880.00} XXXXXXXX XXXX XXXXXXXX Balance XXXX {$1200.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of XXXX I made a few extra payments to a car loan I had with Huntington bank. the payments were handled with a representative over the phone. I was leaving the country for a couple months and I wanted my payments in order before vacation. By mistake, a portion of the funds were applied towards the principal and not towards the upcoming monthly payments. It took months to reverse the transaction and to allocate the funds towards the intended purpose. I spoke to account specialist multiple times and they assured me that due to the mistake, there would not be any harmful events in my credit report.
Product: Debt collection

This debt was already paid. Please attached is a copy of bill that copy sent that I do not owe. This should not be on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had an Auto loan with Santander Consumer USA. The loan matured in XX/XX/XXXX. I paid loan off in XX/XX/XXXX. Between XX/XX/XXXX thru XX/XX/XXXXthey reported me 60 days late. Remind you I paid in XX/XX/XXXX. I was paying on the late fees which was around {$3000.00}. The actual LOAN of the vehicle was paid and all I had left were the late fees. I spoke to customer service in XX/XX/XXXX and they had advised me that once the actual loan is paid and alI I have left are the late fees to pay, I can just start making any payment towards the fees and not the regular monthly payments which was {$550.00} a month. And can pay on any date and not on the XXXX of every month which that was when payments were due. So I was paying a little bit at a time and eventually paid it off!!! They keep reporting me late and ruined my credit. Shows 60 days late. Account is closed and I even got my car tittle. I was given the information by a representative in XX/XX/XXXX in regards to the fees. I was told I can pay whatever I can on any date. When I told them of that they investigated, found that I was correct and AGREED to correct the credit reports. Till this day they have NOT. 

They need to remove the 60 day deliquencies on ALL 3 credit reporting agencies like they agreed to do. They are reporting inacurate information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report in XXXX XXXX and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date XXXX, Equifax and XXXX has not responded/ replied/ answered to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Please check payment history, date open, last activity and Status of XXXX XXXX-Chargeoff, XXXX XXXX XXXX Date Opened : XX/XX/2015 Balance : {$0.00} and XXXX XXXX Date Opened : XX/XX/2015 Balance : {$0.00}, I believe it was reporting in error.
Product: Money transfer, virtual currency, or money service

I used Venmo as a source to receive money and then try to send it to my account. The charged me exaggerated fees and later suspended my account without reason or explanation. They're holding on to my money that doesn't belong to them even after I had sent a copy of my Drivers License as they requested. They're thieves!
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency generates a consumer report, it must follow reasonable procedures to ensure the maximum possible accuracy of the information related to the individual to whom the report pertains.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, following a reinvestigation under paragraph ( 1 ) of any disputed information by a consumer, an item is determined to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must ( i ) promptly delete the disputed item from the consumer 's file, or appropriately modify the information based on the reinvestigation results; and ( ii ) promptly inform the furnisher of the information that the item has been modified or deleted from the consumer 's file. 

Please remove the following items from my credit report immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Product: Checking or savings account

XX/XX/XXXX I applied online for a Regions Bank personal account and was approved. XX/XX/XXXX I went to Regions Bank XXXX XXXX XXXX XXXX deposited {$350.00} and received my printed activated card. XX/XX/XXXX I wasnt not able to use my card and called customer service to be told my account is on hold and it can not be open at this time due to denied screening. I asked why and was told they have no information to provide for me. I asked for my funds to be return and they told me it can be mailed then to be told I have to wait to get an answer from the investigator whether to release my funds or not. I have no timeframe when I will hear back.
Product: Credit reporting or other personal consumer reports

I have entered to check my credit report and i see a inquiry that i do not recall on my Transunion Report, i Have already called Transunion and filed a dispute and they said they will contact the consumer on my behalf but also told me to file a complaint with CFPB please remove this inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit card

XXXX XXXX NUMBER2 late payments are on my credit score and i have submitted letters and also called the XXXX in regards to this payment should not have been reported late i never received the billed for those 2 months that are marked late on my closed acc XXXX and XXXX XXXX incorrect info was reported to my credit my payments should have been reported as on time payment this is making my score drop and making me stress cause i cant qualify to buy a home to live. law 15 u.s c 1666b
Product: Credit reporting or other personal consumer reports

After reviewing my credit reports I have found that my RIGHTS under the FCRA are being violated. I have the right to have 100 % accuracy with regard to information furnished on my consumer reports. There are NUMEROUS inaccuracies across the bureaus. They are : 1 ) The Date Opened across the bureaus are inconsistent 2 ) The Balance across the bureaus are inconsistent. My understanding is that a Charge-off account SHOULD NOT be reporting balancing. THEY SHOULD BE {$0.00}.

3 ) The Past Due Amounts are bureaus are inconsistent 4 ) The Last Reported dates are inconsistent 5 ) The Date Last Active is inconsistent I have attached documentation down below. 

My credit is being severely damaged and my ability to obtain new credit and purchase a new home for my family is made next to impossible.
Product: Credit card

I believe the date was XX/XX/XXXX when I visited the local branch of Chase Bank XXXX XXXX XXXX XXXX in XXXX. They have all of my meetings and calls recorded so they know when and where I went to discuss this issue. My intention was to go in person to get the sign-up bonus of XXXX points via an in branch offer. I met with a banking manager ( I can't remember name but he was XXXX XXXX and sat in the second cubicle away from the front door on the right side ). He tried to file my application but was not able to. He then proceeded to call the back office and was apparently told that there has been a system issue and that at the current time they are not able to sign me up for the Chase Sapphire Preferred card for the in-branch offer. The manager then told me I can either come back another day and try again or just file my application online ( which only have the XXXX points sign up bonus ) and I can either then come back or just call the XXXX number to fix my sign up to XXXX points. About a little over 3 months passed and I met the spending criteria to redeem my sign up points. So I first tried to call Chase 's XXXX number and they told me that I have to go into the branch to resolve this. Scheduled a meeting for XX/XX/year> to talk with somebody at that branch. Spoke with another manager who sat right next to the one I spoke with before. Her name was XXXX. She had to make a few calls before getting to somebody who filed a claim/escalation for me. The person on the phone said I should very likely get it resolved in my favor but just after 2 days I already gotten a response that I did not " qualify ''. Chase has been very unprofessional and misinforming me as the customer about this whole process.
Product: Mortgage

Per the truth in lending statement. The calculations that were done are incorrect and not adding up. The apr is overstated the fiance charge is overstated as well. The contract is not accurate as per the TIL. Requested validation of debt failed to submit all documentation from loan, no promissory note ( signed with my wet ink signature ),
Product: Credit card

On XX/XX/XXXX, I was sent a promotional email by American Express of Member Week Offers. One of the offers was to receive a {$50.00} statement credit for purchasing a {$99.00} annual subscription for XXXX XXXX. On XX/XX/XXXX, I made this purchase using my Amex card account listed in the promotional email in the amount of {$130.00}. When I did not receive the statement credit, I called Amex customer service in XXXX and was told that it was still processing and would take up to XXXX days, and that I needed to call back at that time if the credit hadn't posted. It did not post, so I called Amex back on XX/XX/XXXX. I spoke to a manager, who told me that the promotional credit would be posted in XXXX days and assigned a case number. The credit still did not post, so I did an online chat with Amex on XX/XX/XXXX, and was told that the credit would be posted to my account in XXXX hours. The credit still did not post. I continued to contact Amex and even uploaded a XXXX  of the promotional email for my case. Eventually, I was told that I " used the wrong card for the charge '' and that I would not receive the statement credit, despite using the card account listed on the promotional email. I have gone above and beyond to resolve this issue with American Express, spending hours on the phone and in chats.
Product: Checking or savings account

Wells Fargo does not know my name. I have continually supplied to your banks my correct last name? You have been supplied my marriage certicicate numerous times Why is it a continuing problem. Please explain?
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. Someone opened an account with  XXXX   XXXX  using my information in  XXXX   XXXX  and left an unpaid debt of {$11000.00} on the account. This debt was eventually charged off and placed back on my report as a bad account. The account number is "  XXXX  ''.     In  XXXX , I contacted and filed an FTC Identity Theft Affidavit to open an investigation and get this matter resolved and removed from my credit report. I have recently re-filed a police report to get Equifax to understand the situation I 'm in and finally remove this bad account from my credit. I have contacted Equifax on multiple occasions with the attached police report but they are refusing to remove this account from my credit. I want to add that this account is not even reporting on  XX/XX/XXXX  and   XXXX    anymore. They deleted it from my report so I do n't understand why Equifax is refusing to address my concern.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX DEPT ED XXXX ... NATIONAL CREDIT XXXX XXXX ... XXXX ( Original Creditor : XXXX XXXX ) XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Product: Debt collection

I was evicted from my apartment complex due to financial hardship. My boyfriend loss his job and I was taking care of everything on a XXXX salary. I made sure I spoke to my leasing office daily to keep them abreast as to what was going on. They understood but when it came down to it they had to do what was best for the business. 
Now, Instead of me being charged for the unpaid rent that I owe and maybe a cleaning charge for not being able to clean properly due to the apartment getting locked. I am being charged fees that the debt collectors want me to pay so that the complex and themselves can make a profit off of a life time set back I had and we all have. I would like to be charged for the original amount that I owe so that I can clear the balance up and move on with my life.
Product: Credit card or prepaid card

I scheduled a payment of {$160.00} to come out of my XXXX XXXX XXXX Checking account on XX/XX/XXXX. It cleared from my account on XX/XX/XXXX. Today is XX/XX/XXXX, and this amount was still not deducted as a payment from my credit balance. I have made other payments in the meantime that have gone through and been deducted. This is the only payment that has been affected. I called and submitted a complaint but the company told me that they can see I made the payment. The balance they told me I owe still does not reflect this payment. Their solution was to wait until my next bill to see if it shows up. I am very upset that this was not solved.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and fix from erroneous reporting in my file are listed on my credit report : XXXX XXXX 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 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

I noticed on XX/XX/XXXX that XXXX XXXX XXXX fraudulently placed a negative account in collections in my name. The date of the account is XX/XX/XXXX. I did not open an account with XXXX XXXX, therefore, this should not be on my record. I have filed a police report and identify theft report with FTC.
Product: Credit reporting or other personal consumer reports

ILOST my wallet along with my XXXX card long ago. I am a victim of identity theft I have obtained a copy of my credit report with XXXX  XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the account 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Product: Credit reporting or other personal consumer reports

FTC REPORT # XXXX ( Uplodaded ) Wow. I cant believe XXXX XXXX Equifax is allowed to get away with reporting misinformation and keeping my credit worthiness is bondage. 

XXXX is the only credit bearus who have deleted this information ( proof uploaded ) but XXXX XXXX Equifax simply ignore us. 
I have submitted proper supporting documents for my disputes and they just ignore them, like I am trash. Some needs to home this company accountable for the damage and stress they are causing consumers like myself. 

I have to XXXX accounts that have been disputed only to come back verified. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

In previous complaint number XXXX the company 's final response asserted that they provided a refund to all transactions in the complaint. Neither their internal website nor my credit card card show any evidence of such refunds. I ask that you either reopen the complaint and ask the company for evidence that they provided these refunds or refer to an enforcement agency. The company, XXXX XXXX, was deceptive in their response according to the data I show in their own site. None of the transaction id 's show any evidence of being refunded.
Product: Credit reporting or other personal consumer reports

I am writing to dispute inaccurate information that appears on my credit report, which I obtained on \ Under the Fair Credit Reporting Act ( FCRA ), I am entitled to have only accurate and verifiable information reported about me, and I believe the following information is inaccurate and potentially due to identity theft. 

Disputed Items : XXXX XXXX Account Name/Number : XXXX Reason for Dispute : This account is not mine and appears to be a result of identity theft. I have never opened an account with this creditor and have not authorized anyone else to do so on my behalf. 
Account XXXX : XXXX Reason for Dispute : The balance, payment history, or status of this account is inaccurately reported. I have verified with the original creditor that the reported information is incorrect, and it does not reflect my account status or payment history.
Product: Credit reporting or other personal consumer reports

I have an unauthorized fraudulent inquiry reporting to my credit report. Please remove it! 

Please remove the following fraudulent unauthorized inquiry from my credit report immediately. Thank you! 

XXXXXXXX XXXX XXXX XXXX