23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

When checking my credit report I found that I four negative marks for a late payment of my student loans with XXXX XXXX in XX/XX/2018. This was the first time I was made aware that I had a delinquent payment. When I made the student loan payment to XXXX on XX/XX/18 I received confirmation of my payment and went on with my day. 

Due to a banking routing number error the payment I had made was reversed, and I quickly amended it upon receiving a phone call from XXXX and logged in to pay my loans. I addressed the technical error and the payment was made. I was never told that this was seen as a delinquent payment or a default. It was not sent to collections and in my history of the loans, this was the only error in payment made in 12 years. 

I opened a dispute onXX/XX/XXXX with XXXX stating that, although it was four loans, it was one payment that encountered an error and that the payment was paid in full and was not in default. I asked for these four late payments to be taken off my record. I included proof that I had received an initial confirmation of it being paid in XX/XX/XXXX prior to the bank error. The dispute was closed without any resolution except for a statement that two of the loans have since been fully paid. Unfortunately their dispute results online portal is not functional and I have had no ability to actually view the results aside from two separate conversations with agents that have resulted in additional confusion and frustration. 

I reopened the dispute ( ongoing ) on XX/XX/XXXX and called XXXX XX/XX/XXXX and spoke with a customer service representative who stated that because there are 4 loans they count the payment error as four delinquent payments and that they do not engage in disputes and will only send that the payment was late. The customer service agent was rude and unhelpful and refused to work with me or assist me with the dispute process, stating that despite a technical error with a routing number it is considered late. I noted to her my 12 years of payment history and she said that those payments don't make a difference. 


My reason for this dispute is : -I received a confirmation that my XX/XX/XXXX payment was paid -The missed payment due to the routing number error did not go to collections and was in fact, paid and currently two of the loans are completely paid -Showing up as 4 separate, negative marks is unreasonable given that it was one payment ( XX/XX/XXXX ) -Their attempts to reach me on this bank routing error were minimal at best and when i was reached I quickly made the payment -They are unwilling to support their customers financial needs, despite a twelve year history of having made payments -This is the ONLY late payment on my entire credit record, and due to a technical error in the routing number
Product: Credit card or prepaid card

On XX/XX/2023, while on a road trip to the state of Florida, I attempted to use my Comenity Master Card on XX/XX/2023. The card was declined, and I simply believed it was because I was out of my home state of Illinois. After arriving home on XX/XX/2023, I attempted to use my Comenity credit card again, and while making a small purchase, the amount, much lower than my available credit, the transaction was declined once again. This time I called the customer service number, and I was told I had some indicators on my credit report that indicated a significant change and a consumer report had to be provided before any available credit was made available to me. 

I explained that I had not received anything in writing, by US Postal Service, email or on the Comenity account portal regarding this issue. I asked why would I agree to this if I have not been contacted by Comenity Credit Card? I was told by customer service representative, XXXX, from the Texas call center, it would be a call I would have to place at time of a transaction being declined. I asked if I could have an authorization form sent to me, allowing me to read what I was agreeing to, in regard to the credit pull Comenity Credit Card is asking I give a verbal agreement to. Customer Service Representative XXXX said no, it this would be a verbal agreement. I explained this agreement, you are asking any credit card holder to make, when a transaction is declined, would be an agreement made under duress. How can a person be made to agree to a consumer report being ran without a written authorization form, when a transaction is declined. I requested to speak to a supervisor. I was connected to Senior Account Specialist XXXX XXXX. XXXX XXXX stated the same. This would be a verbal agreement, but she would notate the account, stating I was not agreeing to a verbal agreement that would allow Comenity to run my credit, but my suspended status would remain on my Comenity Credit Card Account. XXXX XXXX stated if I wanted to know if this would be a hard inquiry or a soft inquiry, I would need to personally contact the individual credit reporting agencies. I told her it was totally unacceptable to expect a consumer to contact the credit reporting agencies regarding an inquiry the consumer did not request. And NOT PROVIDE any written documentation explaining what the consumer is agreeing to.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX XXXX SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXX closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much XXXX  which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of identity theft for over 15 years, I contacted the credit bureau companies XXXX Experian and XXXX and provided police reports and filed disputes several times. These items are now charged off and have now adversely affected my credit. These reporting agencies refuse to remove these items. I am in the process of purchasing a major purchase yet these items remain on my credit file after years of disputing them. The following are some of the ones in question XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I had a checking account with Wells Fargo from XXXX to XXXX at XXXX XXXX location and I had overdraft protection but I was still charged fees of XXXX to XXXX dollars each overdraft item my name is XXXX XXXX XXXX I want to find out if I'm owed any money for these transactions
Product: Credit card or prepaid card

PNC Bank issued me a credit card, which I've had for years. They encourage online payments. In XXXX, they moved my payment due date forward from the XXXX to the XXXX. When I went to make my payment on the XXXX, it was then overdue and I was charged {$27.00} late fee. I was not notified of this change, I did not request it and because I only have occasion to go to the credit card payment portal on the XXXX of each month when I pay all my bills, I was not afforded the ability to adjust. Furthermore, I requested a refund of the late payment fee and was told I was only permitted one per year. This was manipulation on their part and I'm not alone. I've spoken to others to whom they did the same thing. I asked they waive the fee and they told me they didn't see it - although I could clearly see it on their payment portal for my account. And yet additionally, I tried to make next month 's payment, indicating on the built-in calendar that it should be deducted from my account on the XXXX and it was denied, stating I'd already made a payment. Therefore, I'm prevented from making a payment that would save me interest. Lastly, to talk to a representative you must give your name, your account number, the last four of your social and your teller PIN code. This is clearly a security risk.
Product: Checking or savings account

To whom it may concern I XXXX XXXX went to the bank to withdraw funds from my savings account and was told I needed my XXXX parent XXXX XXXX which the XXXX was initially XXXX XXXX who is deceased XXXX was never appointed the XXXX of my account I am not minor and should be able to with draw the money from my account according to the XXXX XXXX XXXX bank has my Drivers license and phone number on file they said I could come and withdraw at any time now they saying I cant unless my mother is with me they sent the letter to my grandmas old house which was in XXXX and none of my family live there and I live in Georgia so why are they sending information to wrong address and contradicting what they first letter say I am asking you to look further into the bank and the XXXX  laws because XXXX bank has been Miss leading us for so many years regarding this account they dont have the Wright to withhold bank information from me about the interest rate because when my grandmother passed the rate was much higher than they are stating and want to only state the rate after she passed I have tried to withdraw the same month she passed in 2004 when the rate was higher please advise whats next steps I can take with XXXX bank and can you please review first complaint and respond they gave you. 
Thank you XXXX XXXX.
Product: Checking or savings account

Company denied me for a checking account based on credit score. 



XX/XX/2022 XXXX XXXX XXXX c/o XXXXXXXX XXXX XXXX XXXX XXXX NC XXXX XXXXXXXX XXXX XXXXXXXX XXXX, VA XXXX XXXX : DISPUTE/CLIENT RESOLUTION XXXX RE : ADVERSE ACTION DATED XX/XX/2022 Recently, I, XXXX XXXX XXXX was denied an extension of credit by PENFED. On XX/XX/2022, I applied for a Free Checking Account. 

As you may be aware, it is against federal law in accordance with Equal Credit Opportunity Act to proclaim an adverse action against a consumer. Pursuant 15 U.S Code 1691 ( C ) and you assume civil liability pursuant 15 U.S Code 1691 ( K ). PENFED has violated my federally protected consumer rights : 1. 15 U.S Code 1642 2. 15 U.S Code 1681M 3. 12 CFR 1002 Since the letter you sent me dated XX/XX/2022, is both proof and evidence that I have been discriminated against, you are also criminally liable. PENFED CREDIT UNION should resort to reasonable procedures to rectify this affair and compensate me for the use of my social security number. Otherwise, this would be considered an unauthorized use since I have received NO BENEFIT. Following this initial attempt to rectify, I will be sending an invoice to collect actual damages for said violations. 

BEST, XXXX XXXX, XXXX. 
Without prejudice, all natural inalienable rights reserved.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against the credit reporting agencies for violating the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681s-2 ( a ) ( 1 ), which prohibits furnishing inaccurate information. Furthermore, these accounts were reported without my written consent. According to 15 U.S. Code 1681b ( a ) : Any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

I request the immediate removal of the following accounts from 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These reporting of these accounts breach the following sections of the FCRA : 15 U.S. Code 1681, Section 602 ( a ) : This section emphasizes the need for accurate credit reporting to ensure fairness and privacy. The false information on my report violates this principle, compromising my creditworthiness and privacy.

15 U.S. Code 1681, Section 604 ( a ) : This section limits the purposes for which consumer reports can be furnished. Inaccurate reporting exceeds these permissible purposes, unfairly damaging my ability to obtain credit and other benefits.

15 U.S. Code 1681c ( a ) ( s ) : This section outlines the time limits for reporting negative information. The accounts in question either exceed these limits or are incorrectly reported, violating the statute.

15 U.S. Code 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.

It is also pertinent to note the requirement of written consent involving multiple signatures for reporting data. Under 15 U.S. Code 1681b ( b ) ( 2 ) ( A ) : A consumer reporting agency may furnish a consumer report for credit purposes only if ( i ) a clear and conspicuous disclosure has been made in writing to the consumer at any time before the report is procured or caused to be procured, in a document that consists solely of the disclosure, that a consumer report may be obtained for credit purposes ; and ( ii ) the consumer has authorized in writing ( which authorization may be made on the document referred to in clause ( i ) ) the procurement of the report by that person.

The companies involved must provide proof within five days that they obtained the required three signatures or they must delete all listed items. 

Thank you for your prompt attention to this urgent issue.
Product: Checking or savings account

Last week my personal items were stolen and cards were stolen and used. I contacted chase for a replacement card and filed a claim for unauthorized charges. Today I got a text message that my accounts are restricted and to use them again contact chase. When I contacted chase they were rude and nasty and offered no resolution. The message I received to provide them more information to keep accounts open was not what I received. I do not have access to my hard earned paycheck that has been deposited. Cant feed my children or pay me bills making my children and our household at risk. I have been with chase 8 years and have never had a fraud issue until family decided to take my things. I did what I was supposed to which was alert the bank and replace my card and cut of access to unauthorized users. I am really in XXXX XXXX  I work hard for my money to provide for my family and I cant even get them food to eat. I even went into a branch they tried to help but when the called the customer service the agent said it would take weeks to receive my money. I have no gas to get to work let alone wait weeks for my own money all for doing what I was supposed to do to protect my account.
Product: Credit reporting or other personal consumer reports

Im submitting to the credit Bureaus today to inform you I was the victim of identity theft. Per FCRA section 605b you are required to remove these items listed on an id theft report. Please find the required documents to assist in the removing of the erroneous information which are being posted to my 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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX XXXX # XXXX XXXXXXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX, had violated my rights. 

15 U.S.C 1681 Section 602 A. Section 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 instruction
Product: Credit reporting or other personal consumer reports

experian claims i filed a dispute YESTERDAY XX/XX/2023 which I did not & was delayed by Experian for a week or so which is illegal to process in such a fashion
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ACCOUNTS. THOSE NEGATIVE ACCOUNTS HAVE CAUSED TREMENDOUS HARDSHIP ON MY CREDIT. I FEEL LIKE I'M HELPLESS BECAUSE I HAD NO KNOWLEDGE OF THOSE ACCOUNTS. I HAVE NO IDEA WHO WOULD HAVE MY PERSONAL INFORMATION ON HAND AND CAUSED A GREAT HARM TO MY CREDIT, BECAUSE OF THIS IT IS NOW HARD TO ACQUIRE NEW CREDIT. I AM REQUESTING A RE-INVESTIGATION INTO THIS MATTER AND I WOULD LIKE THIS NEGATIVE ACCOUNT OFF MY CREDIT FILE. PLEASE KEEP IN MIND THAT THIS ACCOUNT WAS NOT AUTHORIZED BY ME.
Product: Vehicle loan or lease

Good Afternoon I am here to submit complaint against Westlake Financial the lender of my auto loan. Westlake Financial has my account in a charge-off status as of XXXX XXXX XXXX Which I have continued making payments since XX/XX/XXXX. In XX/XX/XXXX I have continually requested a written Payoff quote. Which Westlake Financial failed to provide until XX/XX/XXXX through email. The reason for the written payoff quote was I filed a Class Action Against The XXXX XXXX for the BUYBACK program due to having a continue recall part that has been replaced multiple times. Which I was AWARDED in XXXX of this year through XXXX XXXX XXXX XXXX. XXXX XXXX has been patience and supportive trying to get the payoff taken care of in timely manner. Which once again Westlake Financial prolonged until XX/XX/XXXX. Now where things stand, Westlake Financial has weaponized me with the REPO with the condition I would pay {$100.00} to put a 72 hour hold thereafter I would have continue paying an extra {$100.00} for 72 hour hold until they receive the Payoff amount from XXXX or Myself. Looking back at the Payment History I started questioning why I was charge interest showing payments didn't go to Principal of my loan. First charge was in XX/XX/XXXX when my contract stated first payment not until XX/XX/XXXX. When asked Westlake Financial responded " You sign Retail Installment Sale Contract Simple Finance Charge ''. Which was NOT explained at the time of purchase. This has been the biggest nightmare of me life. It has affected my credit huge. I thank you for taking the time to hear my concerns with Westlake Financial NIGHTMARE.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
XXXX there is some inaccurate information reporting. XXXX XXXXXXXX XXXX  Account Number : XXXX Please correct/update this inaccurate information on my credit report. XXXX. The followng information is incorect DP OF EDUC Account Number : XXXX Delete this account. XXXX. The followng information is incorect DP OF EDUC Account Number : XXXX Delete this account. XXXX there is some inaccurate information reporting. DP OF EDUC Account Number : XXXX Delete this account. XXXX there is some inaccurate information reporting. DP OF EDUC Account Number : XXXX Please remove it from my credit report. XXXX there is some inaccurate information reporting. DP OF EDUC Account Number : XXXX Delete this account. XXXX there is some inaccurate information reporting. DP OF EDUC Account Number : XXXX Delete this account. XXXX. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX there is some inaccurate information reporting. XXXX XXXXXXXX XXXX Account Number : XXXX Please remove it from my credit report. XXXX there is some inaccurate information reporting. XXXX Account Number : XXXX Please remove it from my credit report. XXXX there is some inaccurate information reporting. XXXX XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Delete this account.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXXXXXX XXXX XXXX XXXX XXXXXXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting this fraudulent account in my report and TRANSUNION has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, this collection was eliminated and not verified by others bureaus I don't understand how they usually say that this account is mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete this account. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Checking or savings account

I got scammed on XX/XX/year> for a fake crypto currency seller and he made a buche of transactions and I didn't received anything of what he offered me, I shared my debit card info with him just for 1 transaction of XXXX XXXX in order to buy the cryptos currency to invest and he made a lot of transactions worth {$3600.00} on my Bank of America debit card, my bank did not contact the merchant where the scammer used my card ( XXXX XXXX XXXX and XXXX  ) I tried to contact the merchant but the Phone number is disconnected and XXXX  did not provide me with personal information of the scammer, my bank closed my claim on XX/XX/year> stating I authorized those transactions wich is false because I just authorized 1 of them and even though thats true I did no received anything of I was promised ( the crypto currency ) I need my money back because is money for my living ( my apartment, food for my family kids and wife and bills to pay ) I was victim of a horrible scam and my bank is not willing to help me to resolve this matter. Please I beg your help.