23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I went to the chase branch to open high school checking account. The manager asked us to leave and bring ID. When we returned she said that one of my prior account was opened in XX/XX/XXXX and closed in XX/XX/XXXX and I had ower draft of {$100.00} I had my son with me and had no choice but to pay {$100.00} to be able to open account for him. 
Why the charges couldnt be waved? It was 7 years ago? 
Why I didnt know about that all these years? 
Something sounded that it is not right. 
I do not recall having another account with chase. 
I only had and have one joint account with my husband. 
Please let me know if you can refund me XXXX because its not thrue what the banker said. I do not believe it. Ether she  made a mistake or stole my money. She havent present any prove. Please investigate. 
Thank you. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Ask Equifax for the independent investigative method they used to make the decision that the XXXX XXXX account they report on my credit is mine, and they refuse to send it to me which is a violation and they should remove that account from my credit report. It was opened in XXXX of the identity theft and I sent the report that says so, with the report they do not delete the account that does not belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  and XXXXM & T Bank credit reporting dispute : This discrepancy on my credit report was disputed with XXXX. The outcome has resulted in insufficient change to the report. The information that disputed and is indeed false was incorrectly verified as correct by XXXX XXXX to XXXX. This notice is attached ( A ). 
This Account, XXXX, is correctly identified on the credit report as opening XX/XX/XXXX. The first payment was made on time on XX/XX/XXXX as evidenced by my bank statement from that time ( Attachment B ). Ive included the second bank statement showing the on time payment ( Attachment C ). I can provide evidence of every single payment being made on time, however it seemed excessive. Especially since XXXX XXXX is WELL aware that every payment was made on time. 
I filed Chapter XXXX bankruptcy in XX/XX/XXXX. This loan was not included in the bankruptcy. I signed and submitted a reaffirmation letter XXXX XXXX, however they did not sign and return it in time for it to be filed with the bankruptcy. 
The month I filed is the month that XXXX XXXX is reporting as the date of 1st Delinquency. Indeed this is not the case as I have provided proof of payment from XXXX XXXX for that month as well as every single month on time from XXXX ( Attachment D ) when the account was sold to M & T bank. Attached is the email from XXXX notifying me of the change effective XX/XX/XXXX ( Attachment E ) XXXX XXXX XXXX XXXX XXXX as serviced by M & T Bank sent notice on XX/XX/XXXX of new account XXXX. Statements showing this change and on time payments since that time are attached ( Attachment F )
Product: Credit reporting or other personal consumer reports

I just reviewed my credit report and found multiple inquiries from your company that I dont recognize. I didnt approve these, and theyre now affecting my credit score, which is really frustrating.
Product: Credit card

I was double billed by Citi Credit Card for a hotel stay. I have bb been fighting with them since XXXX/XXXX/16. I received a letter from Citi ( XXXX XXXX ( XXXX ) XXXX on XXXX/XXXX/16 Stating " We will apply a permanent credit to your act. '' This did not happen.
Product: Credit card or prepaid card

A Bank Of America card has tried to be open multiple times under my name. I have not applied for any Bank of America Credit Cards. Ive received letters regarding the attempts to open these credit cards. I have called my local county police and made a report and also spoken to Bank Of America. Recently I received mail regarding an XXXX XXXX XXXX account that was open under my name as well that I did not open. I followed up with the police and XXXX XXXX XXXX  as well to report Identity Theft.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these inquiries. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries : XXXX  XXXX || Date of inquiry : XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXX Balance : {$1100.00} XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$830.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$1200.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$930.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$780.00} XXXX XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

So i recently checked my credit report for experian and noticed I have 9 inquiries but i dont recognize at least XXXX  of them. Starting with mortgage reporters from XXXX on XX/XX/XXXX and XXXX XXXX XXXXXXXX on XX/XX/XXXX. I then have gotten false credit card inquiries from Discover ( XX/XX/XXXX ) and XXXX XXXX ( XXXX ). I have called both banks trying to resolve these issues before but they dont care to help.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX opened XX/XX/XXXX for amount {$2000.00} I disputed the account multiple times and requested a validation letter to verify information and to delete. My last dispute was XX/XX/XXXX and it came back verified without the information I requested.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit repair companys are illegally placing False information on my credit report, thats a violation of my civil liberties, and illegal. By law law you cant report late payments on my credit report, I have had any transactions with the credit reporting agencies and that makes the disclosure of the information illegal
Product: Credit reporting or other personal consumer reports

I always pay my bills on time, so XXXX not sure why this company is listing me as late for some months. According to USC 1666b, any errors should be corrected, and my account should be updated to " paid as agreed. ''
Product: Mortgage

On XX/XX/XXXX we closed on a streamlined refinance. It was supposed to find on XX/XX/XXXX. 

I received a call from their collections department that my payment was not received. They never funded the refinance. They never notified me of the loan not funding or any issues. To date I have not been provided any explanation other than the loan processor messed something up. 

To date they have not funded or re-closed on my loan. They are threatening to report to credit bureau despite the fact that I have a legal contract/closing document that says my next ( 1st ) payment is due XX/XX/XXXX. 

Please help.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( XXXX ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 
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/year>
Product: Checking or savings account

I have tried three times for a method to close the account as easily as I was able to open it and they required I drive over an hour to go to a place that will accept an exact deposit to XXXX the account when it could simply be done with a debit card. They used to have alternatives, I like them.. but this system is just plain wrong.
Product: Money transfer, virtual currency, or money service

I was scammed XXXX $ via XXXX  transfer to a recipient who was selling a product. Though i authorized the payment, i still believe the bank should be held liable to give a refund since they have done nothing to protect their customer ( me ) from common problems like this and they have not taken the time to redesign the function of this money transfer system in a way that it would protect the customer from common fraud/scams like these. The bank knows who the recipient ls and the bank has the options to fix this issue but simply chose not to. It is said that XXXX is backed by the banks and is safe to use yet when issues like this occur no one wants to help. This can not go on. It is time for the bank/ XXXX to take responsibility and fix these flaws withing " their '' system.
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 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$1500.00}.
Product: Money transfer, virtual currency, or money service

Okay so i had a guy send me a XXXX check for just talking to him, he seemed like a nice guy, he then sent the check and proceeded to tell me to send it to some charity But it was to phone numbers that he sent me, I then realized that it was some sort of scam so i tried to get rid of the money by sending it back, but now i owe my bank XXXX $ and i dont know what to do, i called my bank and they said i got scammed but i owe the bank all this money?? I really need help!!!
Product: Credit reporting or other personal consumer reports

Since XXXXXXXX I have written many letters to Experian requesting an annual credit report and I have written letters to Experian requesting a credit report after I received several adverse decisions to a bank loan due to my credit score. 

Since XXXX I have filled out and filed several Experian online disputes seeking to correct this problem unsuccessfully. 

Since XXXX, I have made numerous telephone calls to Experian call center and Agents requesting to have this misinformation and errors in my credit report corrected. 

In XX/XX/XXXXXXXX XXXX I filed a complaint with the Consumer Financial Protection Bureau against Experian seeking to have this dispute resolved.
Product: Credit reporting or other personal consumer reports

I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XXXX and I have not yet received a response.
Product: Credit reporting or other personal consumer reports

My account with the company and i was never late! I have had exceptional payment history with this company and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made 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 MONTHS REPORTING LATE 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.

This company never sent The periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports.
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention certain inaccuracies that have been reported on my credit report. As a responsible consumer, I believe it is crucial to maintain accurate credit information, and I kindly request your assistance to rectifying the following errors : 1.Account name : XXXX XXXX  Account number : # XXXX Inaccuracy : Incorrect information on balance, payment history, account status, comments and dates. 

I have attached supporting documents that substantiate the inaccuracies mentioned above. 
Under the provisions of the Fair Credit Reporting Act ( FCRA ), it is the responsibility of the credit bureaus to ensure the accuracy of the information they report. I kindly request that you conduct a thorough investigation into these inaccuracies and take the necessary steps to correct or remove the erroneous information from my credit report. 

Additionally, I would like to emphasize that the continued reporting of inaccurate information reflects negatively on my creditworthiness and financial standing. I kindly request that you update my credit report promptly to reflect the accurate and up-to-date information.
Product: Mortgage

XXXX ( acct. # XXXX ) is my first mortgage and Select Portfolio/XXXX  XXXX XXXX  XXXX ( acct. # XXXX ) is my second mortgage. I am in significant hardship due to Covid-19. I'm trying to sell the house because I can no longer pay both mortgages. I have repeatedly filed hardship letters to both companies and they continue to misplace my request for a short sale. They are continuously losing my personal documents and then closing my cases. I filed everything by fax ( XX/XX/XXXX ) from a XXXX branch for a hardship/short sale. It was over 100 pages with my loan number on every page. I was then told more documents were needed. So on XX/XX/XXXX, I emailed additional documents to XXXX XXXX XXXX and now I'm told my request for a short sale has been closed? WHY? I have had the 2nd loan since XXXX. And just learn that a XXXX loan will not be paid off until XXXX at 11.5 %. INn the past I tried to refinance and was told I couldn't. To date I have paid {$54000.00} on a {$31000.00} loan. And have been stuck with it. The investor on that loan is XXXX XXXX XXXX  XXXX. That loan has been sold many times as well. I have a buyer who has patiently been waiting. XXXX and Select Portfolio has copies of the settlement HUD. I have called XXXX and Select Portfolio several times..and each time I spoke with a different representative and was told different scenarios. I was told things were missing from the XX/XX/XXXX fax... but was recovered when I complained. I am in dire default of my loan because of Covid-19. And facing significant hardship. I am trying to sell the house and XXXX snd Select Portfolio representatives are very misleading in my case. As to XXXX : I need someone to explain why I'm {$51000.00} in behind payments? My principal amount prior to default was approximately {$210000.00}. My payments were approximately XXXX which was interest and principal. So being in default ... shouldn't interest be the only thing ongoing? I now owe approximately {$260000.00}? Please explain how in 25 months of default im getting hit with my principal on top of interest. In any case, I need this all clarified and resolved ... as I am trying to sell it. I need a recalculation of what is owed and a short sale. As the settlement is XX/XX/XXXX and IRS had liens on the house too. They are releasing the liens for only 30 days. XX/XX/XXXX to XX/XX/XXXX. Again, I applied for both short sales on XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I am writing to follow up on my previous dispute regarding the negative items that persist on my credit report. It is concerning that despite my efforts to challenge these unauthorized negative entries, they continue to adversely impact my credit file.
Product: Credit card

It is entirely unacceptable to see late payments noted on my account, and I vehemently request that you promptly correct this mistake. Please take immediate action to rectify my account and guarantee its accurate reflection of my payment history.
Product: Debt collection

I have attempted to contact this company and dispute this debt with the credit bureaus. This company will not provide me with a letter of validation that this debt belongs to me. I have asked for signed documents or the original documents for the debt. The credit bureaus XXXX, XXXX, and XXXX continue to say that the debt is verified but they will not send me the validation method being used. By law I am authorized to request a letter of validation with my signature or the debt has to be removed from my credit. I have not received anything from the company or the credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still many accounts to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) requirethe credit bureaus to confirm 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 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

I reviewed my consumer reports and I noticed that I had 4-5 late payments on my accounts that I was never late for consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the account XXXX  account # XXXX. Please investigate and provide proof with statements showing that these payments are late.if proof cant be provided I demand these payments be updated to on time as they should be as I was NEVER late. Thanks
Product: Money transfer, virtual currency, or money service

XXXX XXXX of XXXX XXXX has sent you the XXXX copies he wrote to me XXXX XX/XX/XXXX Case No XXXX sent by XXXX to me and I am attaching them to you. 

He is talking on my Account in BANK OF AMERICA which is not relevant and asking for 90 days to look into the matter. But I have complained to CFPB on the {$950000.00} COMPENSATION FUND from the XXXX Government. Since there is no such fund and is fraud, I am requesting that BANK OF AMERICA should settle this by returning all my paid fees that they have received from me shown in my file records and bank slips that they received from XXXX XX/XX/XXXX to XXXX XX/XX/XXXX directed by the following persons from BANK OF AMERICA paying to the various Government Departments amounting to XXXX {$480.00} XXXX XXXX XXXX XXXX XXXX XXXX and also XXXX XXXX, XXXX of BANK OF AMERICA XXXX who received XXXX XXXX on the fraud case. 
and return all my money and should even compensate me for time lost and problems created by this fraud case. 

Please see attached copies sent by XXXX XXXX and he has also cc to : Consumer Financial Protection BureauXXXX XXXX Consumer Financial Protection BureauXXXX XXXX Consumer Financial Protection Bureau/Case XXXX Consumer Financial Protection BureauXXXX XXXX XXXX XXXX asking for compensation and return XXXX XXXX XXXX XXXX money. 
Thank you and reply urgently XXXX XXXX XXXX XXXX XX/XX/XXXX See attached
Product: Credit reporting, credit repair services, or other personal consumer reports

I am viewing inaccurate name variations, date of births, also accounts are not complete and reported fairly across boards.
Product: Prepaid card

I was given a prepaid AMEX gift card on XX/XX/XXXX. It has a balance of {$200.00} and is active, according to the online balance website provided by American Express. 

I have tried to use it at no less than XXXX merchants, XXXX, a grocery store, restaurants, XXXX, etc. All transactions have been declined. I called today, XX/XX/XXXX, and after a XXXX minute hold, was told by someone whose accent was very thick and I could hardly understand, that I had used it 'incorrectly. ' This individual provided very little additional help or tips and told me to " call [ them ] back the next time it is declined to find out why. '' Absolutely ridiculous.