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

On XX/XX/19, I received a letter from U.S. Bank credit card co. which I already have credit card accounts with. 
This was not included in a statement but in a separate letter. 
It saids if you sign up with your email address, we will give you XXXX  mile at no charge in 4-6 weeks. 
I highly doubt that they will but I decided to sign up to earn a XXXX miles which is pretty much nothing to earn any upgrade. 
However, I have not received any miles yet. 
So I called U.S Bank on XX/XX/19 to inquire about my miles. He transferred me to a supr.And the supr basically said I need to wait more time. He also put me on hold and tried to find any offers similar to that but nothing. 
I wasted my valuable time to sign up my emails but I still have not received any miles and I highly doubt that I will. 
Please have them give me XXXX  miles that I deserved.
Product: Debt collection

I had a collections bill from XXXX XXXX for {$100.00} Medical co-pay. This was transferred over to Syndicated Office Systems Collection Agency. I currently filed and completed a chapter XXXX bankruptcy, this collection was included on the bankruptcy. However ; they are refusing to remove this account off the XXXX credit bureaus or at least put it as closed. They are stating that they need to keep it open irregardless of the bankruptcy ; causing it to adversely affect my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

Account Name : XXXX XXXXXXXX Account Number : XXXX has violated my rights. Or a list of Inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 or 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

FCR A section 605 B it is illegal to report information on my credit report whit out my permission please remove immediately
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 a FRAUD yet I have an items passed on that should be removed. Per FCRA segment 605 you are expected to eliminate any records recorded on. I've proactively remembered this report for 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 persistent disobedience. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NY XXXX XXXX XXXX Balance Owed : {$0.00XXXX XXXX XXXX XXXX XXXXXXXX Balance XXXX XXXX {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$310.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed XXXX {$1100.00} XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX Balance Owed XXXX {$1800.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX : {$74.00} XXXX XXXX XXXXXXXX Balance Owed : {$240.00} XXXX XXXX XXXXXXXX Balance Owed : {$58.00} 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 Balance Owed : {$270.00} XXXX XXXX Balance Owed : {$3700.00} XXXX XXXX XXXX Balance Owed : {$800.00} 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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Hello, I recently reviewed my credit report and noticed multiple accounts with inaccurate information. I have sent numerous dispute letters to the consumer reporting agencies regarding my XXXX  loans. XXXX has paid the balance and late payments were left in my account. I was told that if I submitted certain information, that the late payments would be removed, and they have not been removed. I have found inaccurate information regarding these loan late payment dates. I am asking for a quick and thorough investigation in this matter. All evidence will be attached to this investigation.
Product: Debt collection

Transworld System Inc, reported incorrectly to XXXX that I made a partial payment instead payment in full. XXXX account number
Product: Mortgage

This complaint is about LoanCare loan servicing. The mortgage holder, my mom, passed away in XXXX of 2018. I am the owner of the house through a beneficiary deed process. The mortgage servicing changed from XXXX to to XXXX to LoanCare. LoanCare, wont discuss the mortgage with me to make payments. I have made all payments as required on time. When I make bill pay payments, they apply extra money to the following month 's payment, and not towards principal balance reduction ; therefore, charging more interest on the mortgage. I am required to call in to make a payment in order to make a principal reduction, and when I call in to make a payment with principal reduction, they want to charge a {$15.00} service fee to make a phone payment when the payment is not late. I have no other way to make principal reduction payments without being charged to make the payment. This is unethical servicing, and billing practices.
Product: Debt collection

I have XXXX accounts reporting from amerifinancial solution on my credit report. Ameriinancial bought this debt from XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX ). i do not owe neither one of these companies and this  inaccuracy on my credit report need to be deleted. Under the Fair Debt Collection Practices Act, I have the right to request a validation of this debt. I request amerifinancail solutions prove that I am indeed the interested party who is contractually obligated to pay this debt to them.Do not send me a bill send me a copy of the contract i have with them and the rights they have to hold my name, ssn, date of birth, and address with their company.A copy of the contract that shows that there was an offer made, mutual acceptance, terms and conditions, consideration and the two wet-ink signatures of both parties who have voluntarily entered into a legally binding contract.
Product: Credit reporting or other personal consumer reports

XXXX I am filing a complaint against Equifax for failing to property investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Dear CFPB, I am writing to formally dispute the continued reporting of fraudulent accounts and inquiries on my credit reports by TransUnion, XXXX, and XXXX, despite submitting a valid Identity Theft Report through XXXX and other supporting documentation. 

Fraudulent Accounts : XXXX XXXX  : Account Number : XXXX ( All XXXX Bureaus ) MECHBK Auto incorrectly claims this account belongs to me. Despite notifying them of identity theft, they have sent correspondence to an incorrect address and have failed to provide any evidence linking me to this account. 
XXXX XXXX : Account Number : XXXX ( All XXXX Bureaus ) Fraudulent Inquiries : XX/XX/XXXX : XXXX XXXX XXXX XXXX XXXXXXXX ) XX/XX/XXXX : XXXX FIN ( TransUnion ) XX/XX/XXXX : XXXX FIN ( XXXX )XXXX XXXX XXXX XXXX XXXXXXXX ( TransUnion XXXX ; XXXX XXXX XXXX ) ; XXXX XXXX ( XXXX XXXX XX/XX/XXXX : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXransUnion XXXX XXXX XXXX  ( XXXX XXXX XX/XX/XXXX : XXXX XXXX ( TransUnion XXXX XX/XX/XXXX : XXXX XXXX ( TransUnion ) Violations of Federal Law : The continued reporting of these fraudulent accounts and inquiries violates the Fair Credit Reporting Act ( FCRA ) : 15 U.S.C. 1681c-2 : Requires the blocking of fraudulent information upon receipt of a valid Identity Theft Report.

15 U.S.C. 1681i : Obliges credit bureaus to conduct a reasonable investigation when disputes are filed. 
15 U.S.C. 1681b : Restricts permissible purposes for accessing and reporting consumer credit information.

15 U.S.C. 1681e ( b ) : Mandates credit bureaus to ensure maximum possible accuracy of the information reported. 

XXXX XXXX : Immediate removal of the above-listed accounts and inquiries from all credit reports. 
A comprehensive investigation into XXXX Autos improper handling of my case and their failure to validate the account after an Identity Theft Affidavit was submitted. 
Full compliance with the FCRA, with statutory damages under 15 U.S.C. 1681n if violations persist. 

The letters I submitted for this dispute are attached for reference. I respectfully request the CFPB to ensure that TransUnion, XXXX, and XXXX comply with federal law and uphold my consumer rights. 

Thank you for addressing this urgent matter. I look forward to your timely resolution.
Product: Credit card or prepaid card

On my Transunion credit report it says XXXX XXXX was opened on XX/XX/2019 in the amount of XXXX. I've never opened up this account and have been a victim of identity theft! Ive mailed out an FTC letter to Transunion and it was removed and put back onto my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted XXXX, XXXX, and TransUnion on numerous occasions, both by phone and mail, and tried to have them explain to me how they are verifying these erroneous reporting accounts as accurate, and they always reply with, " we obtain our information from XXXX and the XXXX system for these accounts. '' XXXX and the XXXX system are NOT the original creditors to any of these erroneous reporting accounts, and their reporting should not be counted as " verifiable ''. If these 3 bureaus can not give me satisfactory information and provide me with written proof of the creditor they talked too with complete phone number, and written proof with the name of the customer service member that they obtained the information from, or written proof of the clerk of courts name and telephone number, and written proof that they talked with him/her, then they are in violation of FCRA 611 and MUST DELETE these erroneous accounts from my credit report!!! I am a litigious consumer, and if these accounts and hard inquiries are not removed from my reports immediately, I will sue these bureaus for violating my FCRA rights!!!
Product: Mortgage

Due to recent health issues I was not paying very close attention to my mortgage. I just paid it. I realized in XX/XX/XXXX that my payment increased by XXXX PER MONTH and had been that way since XX/XX/XXXX. I called myloancare and they stated that my town taxes increased dramatically from XXXX a year to XXXX per year. I went to the town hall and they said I missed the homestead exemption. We calmly spoke and they said we can fix it it will take a month till the board meets on XX/XX/XXXX. The town met and sent me an abatement letter and a copy of the taxes backdated to the beginning of XX/XX/XXXX stating my taxes are in fact XXXX per year. I immediately sent the letter and abatement to my loancare, confirmed they received it and they said they would run an escrow analysis and fix it on XX/XX/XXXX. In the meantime I have overpaid by XXXX dollars without XXXX XXXX payment even being made yet. I received an email on XX/XX/XXXX from my stating that myloancare sent the Town of XXXX another XXXX dollars in tax payments that wasnt even due until XX/XX/XXXX verified by XXXX at the town of XXXX tax office XXXX. She said why did they send that and why would they do that " WE SPOKE TO THEM " AND TOLD THEM YOUR TAXES were XXXX per year. After the escrow analysis was marked as completed on XX/XX/XXXX by my loancare they update my account stating that my taxes are XXXX dollars per year and my payment was still XXXX higher than it should be at XXXX per month. When they have a black and white paper stating my XX/XX/XXXX and XX/XX/XXXX taxes are XXXX per year and spoke to the town and verified it with XXXX. They have refused to fix the account and refund any monies owed to me and just keep giving me the runaround. The stress of calling everyday and disputing the same facts with different people on any nornal time would be too much never mind with health issues and at XXXX time and being out of work but NEVER MISSING OR delaying any payments. Please help me please. They know they have the power and are just bullying and not doing what they are supposed to. It is very very wrong. And this stress is not healthy. I just want to pay my mortgage and not have to deal with this sham of a company.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX and on XXXX I ask that Equifax to removed all hard and soft inquires from my credit report. These hard and soft inquires don't have an account associated with them. Under 15 U.S. Code 1679c Disclosures- the law states :. The credit bureau must then reinvestigate and modify or remove inaccurate or incomplete information. The credit bureau may not charge any fee for this service. Any pertinent information and copies of all documents you have concerning an error should be given to the credit bureau.

If the credit bureaus reinvestigation does not resolve the dispute to your satisfaction, you may send a brief statement to the credit bureau, to be kept in your file, explaining why you think the record is inaccurate. The credit bureau must include a summary of your statement about disputed information with any report it issues about you.
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.

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 XXXX have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

After sending a lot of Dispute Letters and FTC reports, these negative items are STILL reporting. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. I've also called on MULTIPLE occasions regarding the negative items that are reported on my credit report. These accounts are NOT MINE.
Product: Bank account or service

I used my debit card to hold a hotel room on Friday XXXX XXXX, 2016. I made the reservation around XXXX and XXXX I called to cancel the reservation because of bad weather. We were on a motorcycle and we had to get off the road due to a tropical storm. I called the hotel and hotel.com to cancel. The attendant at the hotel said to call XXXX and let them know. I confirmed that they canceled my reservation and immediately called XXXX. I got a confirmation number and I thought that was the end of the reservation. They still took the money out of my account.
Product: Credit card or prepaid card

My husband and I have filed our Oklahoma State Tax Return for year 2019. A Refund issued on XX/XX/2019 via prepaid debit card by a program called " Way2go ''. The bank issuing this card is XXXX Bank.This Way2 go program is used by several government agencies to disburse money to people. The card was mailed to an old mailing address, not the address that was on the 2019 tax return. 
The card is now lost. We have contacted the Oklahoma State Tax Commission three times. Each time we are told to contact the Way2go company customer service line at XXXX. This number puts us on hold for 1 hour and 20 minutes at that time, the calls automatically disconnect. We have tried to contact XXXX Bank. They also have no person available to contact. I have used their computer automated system to request a return call. Have not received one.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2020 I called Citibank REGARDING 2 CITIBANK CREDIT CARDS THAT I HAD, and I explained to the customer service agent that Id had a death in my family and I was requesting Covid 19 payment assistance, I also made payments via telephone on that same day but explained that I was seeking additional help until I could better stabilize my finances. They charged me a {$73.00} payment deferment fee which I didnt realize they were going to do. I dont understand why theyre offering Covid 19 payment assistance and then charge a fee to do it. Regardless, I did make some payments in XXXX and several payments in XXXX. 

They continued to report late payments on my credit report. I filed a complaint with the CFPB and Citibank corrected the credit reporting on ONE OF THE CREDIT CARDS ONLY. THEY ARE STILL REPORTING A LATE PAYMENT ON THE OTHER CITIBANK CREDIT CARD CURRENTLY. 

They are reporting to the credit bureaus late payments in XX/XX/2020 and that is not true. I Ive been a Citibank customer for several years and have never had a late payment. Now after several attempts to get these issues resolved Im requesting additional help with this.
Product: Debt collection

Portfolio Recovery Assoc has willfully damaged my credit with putting false information on my consumer reporting file. Dating account as of XXXX XXXX2024 They have not provided a direct contract with them. This third party collector didn't show proof they are in house on this collection. I have no direct contract and they have no authorization to collect a debt. Company charged it off and is now considered income and cant be reported on my consumer file as per the IRS certificate of indebtedness publication 4681 my privacy has been violated - Privacy Act of 1974 FTC FDCPA I want this reporting removed for all reporting agencies immediately.
Product: Debt collection

I noticed that portfolio recovery associates was pulling my credit and I called them to ask them what they were pulling my credit on and they told me they were trying to pull it on two things XXXX XXXX from XX/XX/XXXX and XXXX from XX/XX/XXXX. So this one that is XXXX XXXX XXXX & XXXX that is XXXX XXXX XXXX. They were both discharged in bankruptcy 13 years ago but they're still pulling my credit they can't prove that I owe the debt they can't prove that they have the right to go after this debt and they can't prove that they're out the right after the limitation that has expired
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit repot and noticed multiple fraudulent charges. few years ago while driving working on the road I misplaced my wallet.these accounts are stopping me from obtaining credit.
Product: Consumer Loan

Receiving threaten emails from people who may or may not be from Ace Cash Express.
Product: Credit card

I am writing to express my concerns as to the transfer of the credit card services to CITI Bank. I have been a loyal Sears customer since XXXX. On Saturday XXXX XXXX I received a letter from Citi writing that my account was past due and to pay {$57.00} today. It also when on to say that the delinquency was being report to the credit bureaus. I could not believe what I was reading and in turn called XXXX where I was greeted with the rudest people that I have ever talked to. I explained that I never received a bill from Sears or Citi bank the representative then said it was emailed to me. I then explained do not get any of my bills via email they continued to say that was impossible and I received the bill and that was all there was to the issue. I again asked why did n't I get a paper bill they said it did not make any difference they wanted their {$57.00} plus late fees of {$65.00}. 
The purchases were made in XXXX XXXX but I had not used the account since XXXX XXXX. I just was appalled of the verbal abuse that I received from the customer service department. I then asked how did the letter get to me and not the bill? I still do not understand how they had my email address the only logical thing that I know of is that XXXX just transferred all their accounts from XXXX XXXX to Citi bank the same as Sears transferring their accounts to Citi bank and that the information was shared between units. 
After my very unsatisfactory conversation from Citi Bank customer Service I called Sears Customer Service who was very apologetic for my experience. They also removed the late fee payments and continued to state that there have been a large number of accounts that did not get their bills. She also said this is particularly true for accounts that have not been used for a long time. 
The rudeness and verbal strong arming is not the way to conduct business maybe it is again the minimum paying job where they are not paid to think or research instead brainwashed into give me the money now ....
Product: Credit reporting, credit repair services, or other personal consumer reports

Contacted bureau to investigate incorrect accounts. The company mentioned " verified as accurate '' but its not accurate. Not properly investigated. Accounts should not be reported no obligation.