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

My complaint is about my XXXX Credit Card from XXXX XXXX XXXX XXXX. I opened the account XX/XX/XXXX and made my payments on time, it is still open till today. I found out they reported my account as 30 days late for XX/XX/XXXX, which i discovered in XXXX of XXXX, when i was in the process of getting a mortgage, this was corrected and changed in XXXX. I just found out they have put this 30 day late payment back on my credit, which has now affected my credit score. My account has open for 3 years and 3 months. 

Account Info Hover over labels for more details Account number XXXX Account status Open Date opened XX/XX/XXXX Account type Credit Card - Revolving Terms Balance Credit Limit {$260.00} {$300.00} Payment Info Status Current, was past due 30 days Updated on XX/XX/XXXX Past due amount - Highest balance XXXX XXXX Monthly payment {$40.00} Late payments XXXX XXXX You've made 98 % of your payments on time for this account. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

In XXXX 2017 I received an email with a promotion from Capital One. I entered my information on the application and was instantly approved for a {$300.00} and {$3000.00} credit limit. Both cards were shipped out on XXXX XXXX, 2017. When I received the cards and tried to activate them I was told that I had to verify my identity which I did by providing a bank statement that was requested from me. The restriction on my card was then lifted which I have the voicemail from Capital One fraud dept telling my that my cards are good to go and I can now use them. That same day I tried to charge groceries and my card was declined. I was embarrassed to say the least. When I called the fraud dept back I was told that I should of never received the cards because several people had mistakenly received the same offer and that my cards were cancelled. I feel that was discriminatory because my credit is my credit regardless of what anyone else was offered. I reapplied like they told me I could and was denied quickly because I already had a pending or previous application with them. I would like to know how does my credit get me approved with a promotion and denied without the promotion? Who are they marketing this promotion to? what demographic of people. I am a very hard working father, husband and grandfather and being declined at the grocery store caused me to be humiliated in front of the entire store. I was just told the same day that my card is available for use.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate information reflected on my credit report. The information appears to violate my rights under the Fair Credit Reporting Act ( FCRA ) and should be removed or corrected promptly. The FCRA mandates that only accurate, complete, and verifiable information be included in credit reports ( 15 U.S.C. 1681e ( b ) ). 

1. Incorrect Accounts Several accounts listed on my credit report appear to be inaccurate, incomplete, or outdated. Under FCRA Section 1681i ( a ) ( 1 ), I am entitled to dispute information that I believe to be inaccurate, and the credit reporting agency is required to investigate the disputed information within 30 days. I have reason to believe that the following accounts do not belong to me, contain incorrect data, or should no longer be listed due to age or resolution : XXXX XXXX XXXX XXXXXXXX # : XXXX Balance : {$640.00} XXXX XXXX XXXXXXXX XXXX XXXX  XXXX # : XXXX Balance : {$220.00} XXXX XXXX XXXX XXXX # : XXXX Balance : {$8500.00} XXXX XXXX XXXX XXXX # : XXXX Balance : {$16000.00} XXXX XXXX XXXX XXXXXXXX # : XXXX Balance : {$410.00} As required under the FCRA, I request that these accounts be thoroughly investigated and either updated or removed from my credit report if found to be inaccurate. 


Please consider this my formal request for an investigation under the FCRA. If the items mentioned above are not removed or corrected, I will seek further action, including filing complaints with the CFPB and taking legal steps to enforce my rights under the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX who is submitting this CFPB complaint myself. FRD MOTOR XXXX is reporting late, yet it is closed and the balance is XXXX as reported in my 3 Credit Bureaus. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints. 

( FRD MOTOR XXXX XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my OTHER request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX TEXAS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX ( Original Creditor Name : XXXX XXXX XXXX XXXX Balance : {$140.00} ; XXXX XXXX XXXX ( Original Creditor Name : XXXX XXXX XXXX XXXX XXXX Balance : {$390.00} ; XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX, XXXX ; XXXX XXXXXXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXXXXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXXXXXX XXXX  XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law.. 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 AZ XXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX, CA, XXXX XXXX XXXXXXXX XXXX Date Opened XX/XX/2015 Balance {$25000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XXXX XXXX, 2021. And now we are in the month of XX/XX/ 2021 and still nothing from them. That means TransUnion has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  ; Experian and XXXX are reporting incorrectly a current balance of {$16000.00} on the XXXX  partial account number ****XXXX. ( Please see page attached from my credit report. ) The vehicle broke down and was covered under the factory/dealership warranty. The dealership would not honor the warranty and consequently would not fix the vehicle. I returned the vehicle back to the dealership. I was told that there was no outstanding balance due. I was not aware there was a negative item reporting until I obtained my most recent copy of my credit report. This false reporting is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Product: Credit card or prepaid card

I opened a prepaid secured credit card with Citibank in XX/XX/XXXX. It was for {$200.00}. After a year they upgraded my account and said they would send me a {$200.00} check. I never got the check. I called them several times and spoke to customer service representatives from XXXX who told me some of the most bizarre stories to explain why I haven't received my check. Well, after a few days of haggling their threads of nonsense, I was informed that the check would be issued 18 months after the account opened. ( Even though the account had been upgraded to unsecured. ) Okay. That's what the original agreement entailed so I was fine with that. Guess what? This is now month 18 and still no check. Today, the reps from XXXX said that my {$200.00} is now part of my credit line and that I would not be receiving my money since I have been specially selected for a non-payment promotional! UNBELIEVABLE!! The conversation was recorded today, XX/XX/XXXX, XXXX my time. This lft me with no choice but to close the account. I've wasted countless hours with their inept customer service and now I just want my money back minus the amount I have in the balance.
Product: Credit card

I am writing to formally file a complaint regarding my ongoing issues with identity theft and data breaches that have resulted in unauthorized transactions on my bank account and credit cards. 

As a victim of identity theft, I have experienced fraudulent charges that have severely impacted my financial situation. In XX/XX/year>, I submitted fraud claims to Capital One for both my bank account and credit card accounts. However, to date, my accounts have not been credited for the fraudulent charges, which is beyond the legal time frame for resolving such issues as outlined in the Fair Credit Billing Act ( FCBA ) and the Electronic Fund Transfer Act ( EFTA ). 

Capital One customer service representatives have informed me that I must wait up to 90 days for the completion of their investigation before any credits can be released. This extended delay is causing significant financial distress, as the inaccurate balances on my accounts continue to create additional problems for me, affecting my ability to access funds and manage my finances responsibly. 

According to Section 1693g of the EFTA, consumers are entitled to prompt investigation and resolution of unauthorized electronic fund transfers. Furthermore, the FCBA provides consumers with rights regarding the investigation of billing errors. The lack of timely action on my claims not only violates my rights as a consumer but also hinders my ability to resolve the detrimental effects of identity theft. 

I request that the Consumer Financial Protection Bureau ( CFPB ) investigate this matter and assist in ensuring that Capital One adheres to the requirements set forth by federal law. I appreciate your attention to my complaint and look forward to your prompt response.
Product: Bank account or service

Chase Bank refusals to release final disbursement of {$25000.00} +, Insurance Companies held funds after XXXX % construction of insured house was completed. 
This is the second time that I needed to take action against Chase Bank for the same act of refusing the release of funds.
Product: Credit card or prepaid card

At the end of the billing cycle of my card ( XX/XX/XXXX ), the balance on my statement was {$100.00}, which was due on XX/XX/XXXX. I returned an item bought during this period for {$41.00}, which should have brought my balance down to {$67.00}. Instead, I received a notice from the credit card company ( TJMAXX/SYNCB ) saying that to avoid interest charges, I needed to pay the balance on my account of {$100.00}, which was the {$67.00} balance plus charges going into the next cycle {$8.00} charged on XX/XX/XXXX and {$27.00} charges on XX/XX/XXXX, after the XXXX closing date. I have never experienced this with any other credit card company and wonder if this is, in fact, legal?
Product: Vehicle loan or lease

Coast Acceptance Company continues to call, sometimes under a restricted phone number so I can't see who it is. Continues to call me at work even after demanding they don't because I'm not allowed to take calls at work. Representatives threaten to repossess my vehicle. Under the contract they can't do so until it is 30 days late, which it is not, nor has ever been 30 days late. 
Company calls almost daily, and multiple times a day. Leaving voicemails each time.
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 XXXX XXXX XXXX # XXXX, Account name : XXXX  XXXX # XXXX, has violated my rights.

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: Credit reporting or other personal consumer reports

I have suffered identity theft and power of attorney fraud by the following companies. Pursuant to XXXX XXXX XXXX XXXX XXXX, a United States Court of Appeals for the Ninth Circuit in 2001 ruled and emphasized that for a creditor to rely on a consumer 's consent, it must be informed and voluntary. Mere inclusion of a consent provision in a contract does not automatically establish informed and voluntary consent. The nancial institution must demonstrate that the consumer explicitly provided consent, indicating their understanding and agreement to have information reported to credit bureaus. Pursuanbt to FCRA 605b and 15 USC 1681 c-2 i demand the acount be removed and blocked from my reporting or you may be held liable for noncompliance pursuant to 15 USC 1681o and 15 USC 1681n
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to file a complaint regarding the results of my recent reinvestigation. Upon review of the report, I have found several inaccuracies in regards to my credit accounts.

In particular, the information listed below is not accurate and I would like a full description of the errors in accordance with 15 USC 1681i ( 7 ). 

Account name : XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX # XXXX Date Opened : XX/XX/XXXX Responsibility : Individual Account Account Type : Revolving Account Loan Type : SECURED CREDIT CARD XXXX XXXX XXXX XXXX XXXX XXXX # XXXX Date Opened : XX/XX/XXXX Responsibility : Individual Account Account Type : Installment Account Loan Type : SECURED Remarks : ACCOUNT PAID FROM COLLATERALS ; CLOSED XXXX # XXXX Date Opened : XX/XX/XXXX Responsibility : Individual Account Account Type : Revolving Account Loan Type : CREDIT CARD Despite my request for correction, TransUnion LLC has failed to modify or delete the inaccurate information on my consumer report in accordance with 15 USC 1681i ( 5 ) ( A ) ( xi ). I have attached a copy of my consumer report as evidence. 

I demand immediate correction of the inaccuracies listed above and full compliance with 15 USC 1681, 15 USC 1691, 15 USC 1692, and 15 USC 1681 ( m ).

Thank you for your prompt attention to this matter.

Sincerely,
Product: Payday loan, title loan, personal loan, or advance loan

Last week I called them because they took a double payment out for the previous month in XXXX so then I asked them let me to control the payments so that doesnt happen again. The lady read me and opt out ACH script and this morning when I logged into my account, the payment still came out.
Product: Checking or savings account

Whenever I make a WIRE transfer to my Fifth Third Account they take XXXX from the incoming WIRE, however the past 4 times the bank employees got really LAZY in their handling of my WIRE fees. THEY BEGAN to not take it out of SOME and others they WOULD take the XXXX out of the incoming WIRE. I started to write down whenever they would NOT take out the XXXX WIRE fee and when they did because this is a bank where, the very second they begin making small errors, they tell themselves that the customer is not watching, and XXXX XXXX  was yesterday so they assume that customers are not paying attention. I did not do a wire yesterday, so for them to steal XXXX from me is fraud and banking discrimination, they assumed that me, as a XXXX veteran, is too tired to pay attention, The took XXXX $ from my last WIRE transaction, and wired 24 hours then put a negative XXXX balance on my account trying to keep a banking error pattern that was inconsistent with their fraud. Please tell them to stop making errors, I was watching, and I want my XXXX back. I was not partying for the XXXX, instead I was watching my bank steal from me. Fifth Third Bank is a very dishonest bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit bureaus stated my account was properly investigated, but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported isnt accurate either? This is ground for removal they also violated my rights under : 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 : states a consumer reporting agency can not furnish an account without my written consent. 

XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX # XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX  XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXXXXXX # XXXX XXXX XXXX XXXX XXXXXXXX # XXXX XXXX XXXX # XXXX XXXX  # XXXX Also the credit bureaus took more than 30 days to complete my investigation here is my certified mail tracking numbers : XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 16th 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, NC XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, NC XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX 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 do not recognize any of these inquiries. I never applied nor authorized the application of these accounts. 
XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, FORD MOTOR CREDIT CORP, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  accounts ; XXXX XXXX XXXX XXXX ( # XXXX ) amount : {$620.00}, XXXX XXXX XXXX XXXX ( # XXXX ) amount : {$870.00}, US DEPT OF EDXXXX XXXX XXXX XXXX ) amount : {$4700.00}, US DEPT OF ED/XXXX XXXX XXXX XXXX ) amount : {$2300.00}, US DEPT OF EDXXXX ( # XXXX ) amount : {$3700.00} XXXX XXXX XXXX XXXX  ( # XXXX ) amount : {$570.00}, XXXX XXXX XXXX  ( # XXXX ) amount : {$140.00} 15 U.S.C 1681 section 602 A : States I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Mortgage

My bank Caliber Home Loans was reviewing a short sale last month and as of this month they have changed their policy and are no longer willing to review a short sale. I have an offer for the full amount they were asking for at the time when they were reviewing the short sale but now they will not review it.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Debt collection

There is a credit card debt in my collections when I recently ran it showing a " XXXX  '' credit card balance of {$880.00}. Back in XXXX I received threatening calls on my phone calling my job, spouse, and previous roommate 's saying If I don't pay they will collect my checks, when I first ask what debt this is about they said it was something back in XXXX which I was renting a back room, and many people had access to my mail. I recently on the date of XX/XX/XXXX to settle this debt with a 3rd party company Phone Number was XXXX info.halstedfinancial.com was the link, I will be attaching an email as well. I have been working on disputing this case which has been unsuccessful. Now by law I know debt collectors can not harass you, threaten you, call your place of business, and threaten to take your wages. I was verbally abused a couple years ago, and if the account was XXXX, I also know that they can not reopen a collection years later and have it stay on your credit report, it is even technically even past the 7 years as claimed. I find this unprofessional and wrong during hard times like this. This one debt that was not mine is haunting me and even preventing me from moving out of place of living which has caused me mental turmoil. I need help to dispute and remove this account, because my life should not be stopped due to people harassing 's me for something that was not opened under me.
Product: Mortgage

On XXXX XXXX, 2015, my mother passed away I was named Executrix of the estate. On XXXX XXXX, 2015, I mailed a copy of the death certificate, letter of Testamentary, and letter of intent to sell the property to Wells Fargo to stop the reverse mortgage. On XXXX XXXX, 2015, the appraisal ordered by Wells Fargo was completed. On XXXX XXXX, 2015, I contacted the representative from Wells Fargo that was provided to me. The paperwork was received and I inquired as to the results of the appraisal. She stated that she had not received it and to call back in one week. On XXXX XXXX, XXXX, I again contacted Wells Fargo regarding the status of the appraisal. I was told there was no appraisal had been submitted to Wells Fargo but she would check into. She advised to use XXXX to establish a selling price. On XXXX XXXX, 2015, I left a message for the Wells Fargo and to date there has been no follow-up from Wells Fargo. On XXXX XXXX, 2015, I called Wells Fargo to obtain an email address to submit my concerns. I was advised that all communication can only be through phone or fax. On XXXX XXXX, 2015, I faxed a letter demanding a copy of the appraisal by XXXX XXXX, 2015 or I would contact your organization. To date there has been no response from Wells Fargo regarding my request.