23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I filed a complaint XXXX/XXXX/XXXX XXXX about my money I have sent every month not being applied to my mortgage loan. They have not applied a payment to my account since XXXX XXXX. Every time I called before I filed a complaint which I started calling 6 months before I filed an complaint and every time they told me they were looking into it. Okay seven and a half months later it is still not resolved. When I filed the complaint almost seven weeks ago I was told it would take a couple of weeks. Hey people we are living in the XXXX. You have the money. One phone call should have taken care of this. You call the branch where the money is held and you tell them to release it. You send me an updated XXXX. You call the credit report people or better yet sent them a letter letting them know I have not missed my payments and please adjust my credit score. Do I need to get a lawyer?
Product: Credit reporting or other personal consumer reports

I am disputing the inaccurate reporting of late or missed payments for the following accounts, which should be listed as PAYS or PAID AS AGREED : XXXX XXXX XXXX XXXX ( Account Number : XXXX ) : I was never late on this account in XX/XX/XXXX. Please update the account as Paid/Current. 
XXXX ( Account Number : XXXX ) : I was never late on this account in XX/XX/XXXX or XX/XX/XXXX. Please update the account as Paid/Current. 
Pursuant to 15 USC 1666b, a creditor may not treat a payment on a credit card account as late unless reasonable procedures ensure that each periodic statement is mailed or delivered to the consumer at least 21 days before the payment due date.

Additionally, furnishing inaccurate information on my consumer report violates 15 USC 1681b. The credit reporting agency 's failure to ensure accuracy has caused me severe stress and anxiety due to these abusive and unfair practices.
Product: Credit reporting or other personal consumer reports

Hello I am officially submitting a complaint against Equifax. The reason for my complaint is theyre now knowingly reporting fraudulent accounts to my credit profile. They removed the accounts and reported it back. I informed them via mail on XX/XX/2024, XX/XX/2024 and also XX/XX/2024 in which this date they claim the never received. In the letters, in detail I included all information needed to have any fraudulent accounts removed. I included a Police report from my local police department along with the investigating officers information. I also included an Identity Theft Report from the Federal Trade Commission. I'm going to attach those documents here as well. 

Fraudulent Accounts : XXXX XXXX- account number XXXX XXXX. US DEPARTMENT OF EDU- account number XXXX
Product: Debt collection

This company has us on a robo call rotation where we receive multiple calls from them every day. Late last year, I called their number and spoke to a representative and determined that the debt they are trying to collect is not ours. After that, the calls kept coming anyway.
Product: Credit reporting or other personal consumer reports

My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on XXXX. 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 to be removed/updated. 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. 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! =
Product: Credit card or prepaid card

Discover ending XXXX I found charges I did not make I called bank they would not take the charges off they denied security said so the charges made by some one paid the account then stop the payment I do not know of this I did speak to them denied I have pay the charges.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed XXXX Inquiries from XXXX Bank on my XXXX and Experian personal credit report in XX/XX/XXXX through Consumer Financial Protection Bureau. 
I received an update informing me that XXXX Bank was made aware of the fraudulent inquiries and that they would notify the major credit bureaus to have them removed. The following month XXXX removed the inquires ( with some follow up ) and honestly I forgot abt the inquiry on Experian. So today i noticed that the inquiry is still on my Experian report, so I called Experian today XX/XX/XXXX and explained the scenario and XXXX of their reps explained to me that despite successfully disputing the fraudulent inquiries including notification from XXXX Bank to remove the inquiry from my credit report... he read from some script why they wont do it.
Product: Credit card

I sent a letter via US mail on or about XX/XX/XXXX  to the following mailing address : Card Services XXXX XXXX XXXX XXXX, DE XXXX This was a request to open a dispute for a transaction withXXXX XXXXXXXX made on XX/XX/XXXX  in the amount of {$190.00} I submitted this dispute within 30 days of the transaction. As of today, I have not received any correspondence regarding this dispute. I request that the full amount be credited back to my account and that all the interest charges accumulated over the time be credited as well. UPDATE : PLEASE SEE ATTACHED PROOF OF USPS TRACKING INFORMATION SHOWING DELIVERY FOR THIS LETTER
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Experian several times to update my information and they refuse to. My address is incorrect my name is incorrect my job is incorrect. The have 20 different addresses and names. I will be filing a law suit Im sick of this XXXX. They have late payments which they should not have due to
Product: Credit reporting or other personal consumer reports

RE : TRAFFICKING BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of trafficking. The information listed below, that is currently listed on my credit report is a result of that trafficking. Listed below are the Collections that are being challenged XXXX XXXX XXXXXXXX PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF TRAFFICKING IN PERSONS OR XXXX XXXX TRAFFICKING. IF THE CONSUMER HAS PROVIDED TRAFFICKING DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. CFPB-2022-0023 ] RIN 3170-AB12 PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF HUMAN TRAFFICKING ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TOTHISMATTER!!
Product: Credit card

Received a promotional offer for 4 % interest rate on purchases made within the period, in XXXX, from Barclays. I called the company to verify my understanding of the offer ( that it applied to purchases made within the period, meaning that the interest rate would remain 4 % for the balance incurred within that period even after the promotion had ended ) and when they verified that was correct, I increased my credit limit and made a large purchase using the card. That has been the only charge on that card since then. 

I made regular payments and saw interest charges of ~ {$30.00} each month. On XX/XX/XXXX I received an email warning that the scheduled payment was lower than the minimum, even though I had changed nothing. Looking into it, I realized my interest charge had jumped from ~ {$30.00} to ~ {$190.00}. 

I called Barclays and they explained that my promotional period was over. When I explained that I had been explicitly told by a Barclay representative before making the large purchase that the promotion would apply to purchases made within the period instead of to balances within the period, the {$190.00} interest charge was comp 'd and I was told an investigation would be opened to review the account. 

On XX/XX/XXXX I called again to ask about the status of that investigation. The first representative repeatedly gave me incorrect and conflicting information, telling me that the investigation was ongoing, concluded, and never occurred at different points in the conversation. When I instructed her to close my account because I don't do business with companies that lie so blatantly, I was transferred to another representative who was falsely informed by the first representative that I wished to close the account because I don't use it. 

That second representative stated again that no investigation had ever been opened even though the {$190.00} interest charge had been comp 'd as promised during the initial call in XXXX. 

tl ; dr I paid ~ XXXX XXXX today to close an account with Barclays because they apparently will say anything they need to to get their customers to use their card or to stop complaining, no matter how false
Product: Payday loan, title loan, or personal loan

I got a loan from Speedy Cash, back in XXXX of XXXX. When I went to speedy cash all the tellers are behind a glass window. They explain the hypothetical amount you can get in an installment loan but not really how much an average, the interest or said payments would be. It goes by fast and they take longer verifying your information than they do explaining the numbers. For example, I was easily confused since the numbers were never written down for me until after I had signed the monitor, I didn't get that through the phone call they had me do, car title they had to register, that my interest would be 95 % equaling a little over XXXX + XXXX that would take 44 months to pay back in total. The Payments already being high, it's hard to pay extra. I managed to pay off my loan with another that had 70 % LESS interest. Even though I no longer owe them a dime, I would like to put a complaint, there should be set limits for loans such as these. I can't imagine how other people in an emergency like I had and perhaps being less stable trying to pay these off. It is outrageous. And should be looked into.
Product: Credit card or prepaid card

On XX/XX/2019, I made an online payment to Citi Cards for XXXX ( XXXX ) dollars. The money was taken from my account. Citi claimed that they were not able to process the payment and charged my credit card a XXXX ( XXXX ) dollar return check fee and did not credit my account with the payment. 
I contacted them when I realized what had happened and spoke to several people on different occasions. I was told that a three way call could be initiated between myself, Citi and my credit union to verify that the money had been taken from my account. I called on my day off to have that done and was told that it was not necessary because it would be handled but by the next week it had not been. 
I called Citi again and finally was able to get a customer service agent to remove the return check fee but there was not mention of finding the missing XXXX dollars. I received a letter from a Citi office in XXXX   XXXX, SD, requesting that I send my bank account statement to them at that location to verify that the money was withdrawn from my account. 
I am understandably not really wanting to give them my bank account statement but I will to get the XXXX dollars back. I however am going to redact as much personal information as I can. 
I would like to know if they are allowed to ask for this information to settle the issue since I made myself available for a three was call that they could initiate with my credit union.
Product: Checking or savings account

On XX/XX/2019, I opened a checking account on Fifth Third Bank using a promotion code I received from the bank on my email. 

This account was opened in the branch located at XXXX XXXX XXXX, XXXX IL  XXXX. 

The personal banker that assisted my was XXXX XXXX. 

The promo code I used has the following description : " {$250.00} Cash Bonus Offer : To qualify for the {$250.00} checking bonus, provide the offer code, open a new Fifth Third Essential, Enhanced, Preferred, Free ( GA and select markets in IN, KY ) and Free Checking plus Extra TimeSM ( FL only ) checking account by XX/XX/19, reach a {$500.00} balance within 45 days, and maintain {$500.00} as a minimum daily balance thereafter for 60 days. '' I provided this code to the personal banker that opened my account. 

On XX/XX/2019, I reached a balance of more than {$500.00}, which is one of the requirements for the promo code. Also, I maintained a balance of more than {$500.00} for the 60 following days.

According to the mail I received from the bank, I should have received the bonus by now.

I have called the consumer support team of my bank, but they havent been able to solve my complaint. I have also tried calling directly to the branch where I opened my account as well as the personal banker that assisted me to open the account, but haven't got any answer.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018, XXXX listed a collection account from XXXX XXXX XXXX from XX/XX/2017. However, XXXX will not allow me to complete a direct dispute report online in order to begin the problem resolution process. When completing the online form, an error message arrives claiming the disputer can contact a live operator ; however, no one receives or answers the phone call. The credit reporting agency, which also works with the collection agency, presents this roadblock as a means of discouragement to prevent anyone challenging the collection agency on its unfair debt collection practices. To add insult to injury, XXXX added the collection account to its files information after the XXXX data breach of XX/XX/2017 had compromised my personal information.
Product: Credit card or prepaid card

Receiving multiple calls a day, today I received 7 calls from commenity bank, if I dont answer their call they use a private number to call me right after. Ive been receiving these calls every single day from Monday - Friday back to back or spaced out.
Product: Credit reporting or other personal consumer reports

I pulled up my credit report the week of XX/XX/XXXX, and noticed that XXXX XXXX ( XXXX ) is showing up as XXXX Hard Inquiry 's from XXXX and are doubled which NONE of these should be on my report let alone DOUBLED! 
XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Due to this incorrect reporting i now have showing XXXX XXXX XXXX 's that should not be on my report. 
I want all XXXX of these removed
Product: Credit reporting 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 this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX Balanced {$950.00} XXXX XXXXXXXX Balanced {$7100.00} XXXXXXXX XXXX XXXX XXXX Balanced {$0.00} XXXX XXXX Balanced {$1200.00} XXXX XXXX XXXX XXXX Balanced {$160.00}
Product: Credit reporting

Contacted equifax to remove XXXX reported twice on report and inaccurate amount
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX I reached out to The XXXX XXXX XXXX XXXX via certified mail in regards to a collection account for {$1100.00} on my report I have actually reached out to this company twice in regards to validating this debt. I have no contract with this company with my signature.This company doesnt have a license to collect a debt in the state of Michigan XXXX They also did multiple soft pulls on my credit report. This company never responded both times Ive reached out. On XX/XX/2022 I decided to reach out to XXXX, Equifax, and XXXX via certified mail in regards to the collection account as well as a charge off account from XXXX  XXXX  and a few other accounts asking all three of the bureaus to validate these accounts. All three credit bureaus stated that the debts were verified I saw this information from the main websites they did not send me any of the documents that I asked for. I feel like the credit bureaus have failed in regards to treating me fairly. This has affected my credit score Tremendously and this has affecting me in regards to obtaining new credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was declined by a credit card company due to having very little credit history on my credit report. I pulled my credit report and found that XXXX XXXX  is reporting inaccurate information including : No payment ( I pay the entire amount every month and have since I received the card in XX/XX/2012 ) ; no usage ( I have used the card every month since XX/XX/2012 ), no balance ( I always have a balance which is paid off each month ) ; {$0.00} credit limit ( my credit limit is {$12000.00} ) ; no monthly payments ( as previously referenced, I pay my balance in full each month ) ; no highest balance ( my high balance is around {$10000.00} ) ; and under comments " Account in dispute-reported by subscriber ''. My account is in good standing. 

I called XXXX XXXX and was told they will not do anything about it unless I send a letter in the mail with my name, my address, my account number, my social security number and my birth date!! They will not accept fax or email or phone for this information even though they are reporting incorrect information and they admit that. They said unless I send this letter with the information they will not do anything to correct the reporting.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX 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 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 that are reported 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. 


XXXX XXXX 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: Debt collection

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by XXXX parties and I did not participate in any of it. More so they didn't follow the proper XXXX step validation procedure which make this unfair practices. According to the FDCPA I'm entitled to XXXX dollars per violation and clearly they violated my rights. Also, per XXXX XXXX please provide me a copy of my signature of this alleged claim to release this information to you. OTHERWISE PLEASE DELETE THIS ACCOUNT EXPEDITIOUSLY!
Product: Credit reporting or other personal consumer reports

First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy.

Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted this company any permissible purpose. They are in strict violation of this code. I need this account ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 

XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I ask to be opted out of my personal information. I ask that my information is not shared with third party companies. 

If I want to be opted out, I have the right to be opted out. 

VIII Privacy -Fair Credit Reporting Act Contents of Opt-out Notice ( 12 CFR 1022.23 ).

A financial institution must provide to the consumer a reasonable and simple method for the consumer to opt out.

The opt-out notice must be clear, conspicuous, and concise, and must accurately disclose specific information outlined in 12 CFR 1022.23 ( a ). including that the consumer may elect to limit the use of eligibility information to make solicitations to the consumer.

See Appendix C to the regulation for the model notices contained in the affiliate marketing regulation.

VIII. Privacy GLBA VIII1.2 The privacy notice must also provide, where applicable under the Fair Credit Reporting Act ( FCRA ), a notice and an opportunity for a consumer to opt out of certain information sharing among affiliates. 

Negligent FCRA Violations When an agency, business or individual fails to exercise proper care or takes action that a reasonable person would not with regard to your credit information, that is negligent behavior and money damages can result. 

The types of damages available are the same as with willful violations, namely actual damages ( no limit ) ; statutory damages ( usually between {$100.00} and {$1000.00} ) ; punitive damages ( no limit ) and attorney fees and court costs.