23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Citizens Bank has missaplied my mortgage payments several times. They applied several partial payments to principal rather than to suspended funds. I did not instruct that any of the payments were to be applied toward principal. I began sending 50 % of my mortgage payment bi- weekly in XX/XX/XXXX. In XXXX I recieved 2 of the payments back and was informed the bank does not accept partial payments. However, every payment up to that point had been, accepted and I discovered many of them were missaplied. I have called several times since the end of XX/XX/XXXX to have this corrected. It is now XX/XX/XXXX. Each time, after many call re-routes, disconnections, and much time on hold, I was informed the information was noted, the issue is being worked on, and I would recieve a call back within a week. I have never recieved a call back. Currently my account shows the current payment due as XX/XX/XXXX, although, I have sent payments that should have been applied as mortgage payments, which would cover XXXX and XXXX. I was told during my first phone call that a hold would be put on reporting to the credit bureau until XX/XX/XXXX. The issue should have been resolved by then. The issue still is not resolved, and Citizens has reported my payment as late, causing my credit score to decrease drastically. My fist payment in the amount of {$3300.00} was due XX/XX/XXXX. The following payments have been sent through XXXX XXXX XXXX XXXX bill pay service and accepted by Citizens Bank since our closing date : {$1600.00} on XX/XX/XXXX, {$3300.00} on XX/XX/XXXX, {$1600.00} on XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, and XX/XX/XXXX, {$3300.00} on XX/XX/XXXX. The following are dates that I have called Citizens Bank in attempt to correct this issue. XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, and XX/XX/XXXX.
Product: Debt collection

I made a payment and satisfied a credit card debt in XXXX of 2015. I Never received a letter stating that it was paid. I just realized it is still showing up on my credit report as not paid so I called them and asked them if they could send a letter out that I paid it. They acknowledged that I did pay it but refuse to send a letter. They said that all their letters are approved by their legal counsel and they 're not allowed to send letters stating the debt was paid on a certain date. They only sent a letter stating that I do not owe anything but it has the date the letter was sent not when I actually paid it. So if I send this to the credit bureaus they would think I just paid it when in fact I paid it almost a year ago. This will prevent the account from dropping off my credit report for an extra 11 months.
Product: Credit reporting or other personal consumer reports

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Hello, My name is XXXX XXXX XXXX and I am reaching out to complain on XXXX for their not of response and reporting. I have done everything and followed every step on removing false accounts that are reporting and still have not heard anything. It has passed the 30 days multiple times and at this point, and nothing has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several certified letters, that are dated, that have everything listed in detail, that have everything required and they still done anything to remove them. I am very frustrated at the point and need to get these accounts removed as soon as possible. 

I will be listing some dates below that I have sent out to them : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP WHEN THEY RECEIVED THE LETTERS.
Product: Credit reporting or other personal consumer reports

PLEASE SEE THE ATTACHED DOCUMENTS FOR DETAILS. 

I submitted a request to Experian reporting that I have opted out of my information being shared with non affiliated third parties and Experian has failed to respect my right to privacy and overlooked what was requested and instead closed my request by stating that the information disputed was found to be verified and accurate when I initially did not request to have the account in questioned verified I requested to have my federal right to privacy and for my information to not be disclosed without my written permission. 

I submitted all the documents that were sent to the creditor to not share my information and Experian refuses to comply with Federal Law under the GLBA. I am requesting to have my complete consumer file from Experian along with any and all disclosures in my credit file that is rightfully due to me. I am now requesting that the inaccurate be deleted completely from my consumer report due to the lack of a reasonable investigation and the inaccuracy and incompleteness of my report. I am requesting that this be done in 3 days according to the FCRA under 15 USC 1681 ( 8 ) If a dispute regarding an item of information in a consumers file at a consumer reporting agency is resolved in accordance with paragraph ( 5 ) ( A ) by the deletion of the disputed information by not later than 3 business days after the date on which the agency receives notice of the dispute from the consumer. 

Following any deletion of information which is found to be inaccurate or whose accuracy can no longer be verified or any notation as to disputed information, the consumer reporting agency shall, at the request of the consumer, furnish notification that the item has been deleted or the statement, codification or summary pursuant to subsection ( b ) or ( c ) to any person specifically designated by the consumer who has within two years prior thereto received a consumer report for employment purposes, or within six months prior thereto received a consumer report for any other purpose, which contained the deleted or disputed information. 15 USC 1681i ( 8 ) ( d )
Product: Credit reporting, credit repair services, or other personal consumer reports

Agency claims my FTC theft report to be invalid. It is a federal document produce by identitytheft.gov and is very much valid according to federal law. However, I did revised it to be as co-operative as I can be.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth 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 alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Prepaid card

I purchased an Amex gift card of XXXX dollars and a XXXX XXXX fee at a XXXX store. The purchase was a gift, and when I gave it to my parents it doesnt work ANYWHERE. Not online, not in XXXX XXXX, not in any convenient store or gas station, not even in the XXXX  I had made the purchase. Ive called the company and XXXX  gift card costumer service and neither were helpful at all. XXXX basically told me well its your money figure it out, your complain is noted. The Amex costumer service wont even answer.
Product: Credit reporting, credit repair services, or other personal consumer reports

The incompetent credit reporting agency never answered CFPB XXXX. Specifically, I am entitled to a free mailed copy of my report based on : On or about XX/XX/2021 I was denied credit through XXXX XXXX XXXX, an Equifax disclosure report was utilized as per the proof in the inquiries section of the Equifax credit report. Attempted to call XXXX, the credit reporting agency makes it next to impossible to obtain a mailed paper copy of my report. I am XXXX, I do not leave the house, I want a paper copy. I already verified the denial of credit, my home mailing address matches the address of this complaint of : XXXX XXXX XXXX, XXXX, FL, XXXX.
Product: Credit card or prepaid card

Thank you for taking time to read this. The total amount charged was {$11000.00} in XXXX of XXXX. The online travel agency XXXX was supposed to provide a discount to which it did not so we initially disputed the discount amount of XXXX  XXXX. Due to the pandemic, XXXX went out of business in XXXX of XXXX without providing a service nor refunding that amount. Now we are trying to recover the {$11000.00} but because of the initial dispute for a smaller amount Discover wont dispute it nor provide us with credit even though more than a hundred pages of evidence supported the refund. Discover has even agreed that I should be refunded this amount but has not done so. It is un fair to be out nearly {$12000.00} for something that we couldnt control. It has been almost a year. Please help our family CFBP. Thank you kindly.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, I recently reviewed my credit report and I found a charge off account reported by XXXX Bank from 2014. That Charge Off account is already paid. 
The NY FCRA states in 380-J Prohibited Information ( iv ) That Credit bureaus are prohibited from reporting accounts placed for collection or charged to profit and loss which antedate the report by more than seven years ; or accounts placed for collection or charged to profit and loss, which have been paid and which antedate the report by more than five years.

Since the Charge off happened in XX/XX/2014 its already passed the 5 year mark and all late payments must be deleted as per NY FCRA laws referenced above. 
I disputed the mark with Transunion, XX/XX/XXXXand XX/XX/XXXXbut they did not remove it. ( i believe XX/XX/XXXX first removed it but then it reappeared on my credit report. )
Product: Credit reporting, credit repair services, or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been 30 days, so they should be deleted immediately or I will file for litigation due to the stressed you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Product: Checking or savings account

Fraudulent activity in my bank Chase account using XXXX debit transaction under the name of XXXX XXXX XXXX XXXX Someone has my account information and money on my checking account and withdraw the amount of {$15000.00}!! Which JP Morgan Chase didnt bother to call or email me or to verified such a very large amount! I didnt not approve this or ever heard of this company! This was on XX/XX/2021 and I didnt get a call or an email regarding the large transaction. I only received an email only when I was overdraft XXXX after they tried doing a second fraudulent transaction, this is crazy i never experienced this in my life and its very unprofessional and unreliable on chase bank on their behalf. They didnt even bother to call me to verify this information on my behalf. Now because of carelessness and not being protected of being a chase customer I an currently out of money, I cant pay my bill or rent and even buy food! Now i have to wait 10 business days until this is solve under Chase claims department! On Top of that poor customer service! I got the runaround from stating that I have to change my account number as a replacement account ( if i would like to keep everything the same or open new account ) and I would be able to do it on the phone long story short I was transferred with waited 25 minutes and the fraudulent department told me I would have to do this at a chase bank. After this terrible experience I feel uncomfortable, unsafe, and scared to still be a chase customer. I wouldnt trust them with my money!
Product: Credit reporting, credit repair services, or other personal consumer reports

This dad was from an apartment complex. I cleaned up the apartment and turned in the Keys. But the management stated that the month that I left was too early but that was the end of my lease. So now she stays day I owe for late fees and also the month then I left and also it's called getting out of your lease early. Also the apartment complex charges for late fees even when they have taken your money and that is not legal. I have spoken with the management regarding this problem and had no communication from them to solve this matter.
Product: Credit reporting or other personal consumer reports

Someone is sending bogus info to XXXX XXXX. All the banks have the same account number. Waiting for copy of police report that will include the people doing this. I am a victim of fraud
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent 3 req asking for the validity of the debt was asked to sendin my copy of id, ss # and a letter with signature which I did provide XX/XX/2018 and I have yet to get a reply although all req were received by the creditor as per USPS ( Certified mail )
Product: Debt collection

Midland is calling about an XXXX account that is XXXX years old. I have been with XXXX since XXXX and can be verified. I filed bankruptcy in XXXX and this account should have been included. Every time a collection agency acquire this account they change the open date. This was from past XXXX therefore should be removed
Product: Student loan

I am so very upset that I was submitted to a credit agency - Pioneer Credit Recovery from Navient. I made payments to Navient online. I asked for deferment and and forbearance and they said no. I made payments online It was then decided that there was a wage garnishment and I could not cancel the wage garnishment. I want to add the mediator that was included was paid by Pioneer Credit and I felt was biased in their determination. I am asking for a swift review please and reconsideration of this wage garnishment.
Product: Debt collection

I sent a certified letter with documentation forms to LVNV Funding LLC on XX/XX/XXXX LVNV funding company signed the certified letter that they received it but didnt follow guidelines thats was on the documents that was send to them. They didnt filled out the documentation and send it back to me. Instead they just send a collection letter with attach this isnt proof debt on my behalf The documentation that I send to LVNV Funding needs to be filled out within 30 days and send back to me they fail to do that. So I will need this balance of {$1400.00} remove off all 3 credit reports And also this balance is incorrect as well that XXXX XXXX is trying to collect i called XXXX XXXX and this closed this account in XX/XX/XXXX they still falsely was reporting to XXXX the statements that was send from XXXX XXXX XXXX  XXXX are incorrect dates and balance I will attach my letter that was send to LVNV funding and other attach for proof. And Pennsylvania 's statute Law of limitations on debt is four years for unsecured loans, oral contracts, open-end accounts, revolving credit, promissory notes, and written contracts such as credit cards, medical bills, personal loans, etc
Product: Credit reporting, credit repair services, or other personal consumer reports

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

Account name : XXXX Account number:XXXX  Account name : XXXX  Account numberXXXX Account name : XXXX Account number:XXXX  Account name : XXXX XXXX Account numberXXXX Account name : XXXX XXXX Account number:XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXXXXXX XXXX Account number:XXXX Account name : XXXX XXXX Account numberXXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account numberXXXX has violated my rights. Or 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Credit acceptance to high of payment and interest rate they said they couldnt lower my payment
Product: Credit card

Citibank is charging a late fee on top of a late fee on a closed account I paid the first late fee and they refused to remove the secondlate fee even though they can, so I can move on
Product: Debt collection

Capital One is reporting a settlement that was paid in full negatively on my credit report. It also has already reached the XXXX  year mark and still affecting my credit. This is a violation of my FCRA Consumer Rights and needs to be removed IMMEDIATELY.
Product: Checking or savings account

On XX/XX/, I did an electronic transfer of {$10000.00} from my XXXX XXXX account to a new account at XXXX XXXX XXXX XXXX had frozen my account ( unbeknownst to me ) and the funds were kicked back to XXXX. XXXX can not seem to locate the funds or what happened to them. It has now been 26 days and I still do not have the $ XXXX. I have chatted through the XXXX XXXX  and sent emails resulting in over 30 messages. In each message, XXXX says they are investigating and then it goes to a new person at the company. I have repeatedly asked for a phone number for someone at XXXX with no response.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have some fraudulent accounts on my credit report that I did not authorize and the Credit Reporting Agencies are violation my consumer rights according to the Fair Credit Reporting Act. 15 U.S.Code 1681 ( 1 ) ( 2 ) - CRA 's need written instruction to make a consumer report by the consumer. It is a fact that I the " consumer '' never gave the credit reporting agency any written permission to furnish a consumer report. Without my written consent the consumer reporting agency is committing fraud by using my identifying information without any lawful authority to furnish this information on my consumer report. By definition identity theft is being committed. 15 U.S.Code 1681-2 ( a ) ( 1 ) ( A ) A person shall not furnish any information about a consumer if the person knows or has reasonable cause to be inaccurate. I the " consumer '' disputed the fraudulent accounts on my credit report and I have made it clear that this information is is inaccurate.The credit reporting agency proceeds to furnish this information without any lawful authority and is violating my consumer rights granted by the constitution. If my issue is not resolved I will seek remedy and will move forward in the court of law.
Product: Credit reporting or other personal consumer reports

Re : Urgent Request for Immediate Removal of Fraudulent Account Account : XXXX XXXX XXXX Dear Experian, I am writing to formally address the ongoing issue regarding the XXXX account ( account # XXXX ) that is inaccurately reported on my credit report. Despite multiple letters and requests for further information, this account continues to be listed as mine. I have made several attempts to resolve this matter directly with both your agency and the company in question, including disputes through the Consumer Financial Protection Bureau ( CFPB ). However, the investigation into this matter has now extended well beyond the 30-day period allowed by the Fair Credit Reporting Act ( FCRA ).

According to the FCRA, credit reporting agencies are legally obligated to investigate disputed information within 30 days. It is now evident that this timeline has not been honored, and I am requesting immediate action in accordance with the law. The ongoing presence of this account on my credit report is having a significant, negative impact on my financial well-being. As I have previously stated, this account is not mine and I do not owe any debt associated with it. The consequences of this inaccuracy are severely affecting my economic status and causing undue stress for my family.

I request that you promptly remove the XXXX account ( account # XXXX ) from my credit report as I do not own any debt associated with it. If you fail to resolve this matter in compliance with the FCRA, I will have no choice but to take further action. 

Please confirm the immediate removal of this account and provide me with an updated copy of my credit report reflecting this change.

Thank you for your attention to this urgent matter.

Enclosed : ID, FTC report, bank statement ( address verification ), and previous CFPB report Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried for 3 months to get Equifax to show me proof that the 2 account on my report are valid and they just send me a report says it's verified
Product: Credit reporting, credit repair services, or other personal consumer reports

Im filing a dispute for the date of XX/XX/2023 a company made a hard pull on my credit as they told me they would only do a soft pull! If they told me that it would be a hard pull I wouldve told them no!
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 accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX Balance : {$5100.00} DEPARTMENT OF CHILD XXXX Balance : {$4600.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$5100.00} XXXXXXXX XXXX XXXX XXXX Balance : {$0.00}