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

I have a loan with CITICARDS CBNA. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. The confusing part for me is it doesnt reflect anything except 120 days past due, as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. The 3 credit bureaus shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at The 3 credit bureaus are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. Ive never been behind on my payment. I tried contacting the 3 Credit Bureaus and the CITICARDS CBNA but they have provided me with nothing tangible which reflects anything verifiable. There is definitely an error with their part. Investigate properly and please update for 100 % accuracy. 
CITICARDS CBNA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Hello team, Am trying to solve this issue from more than 4 months ago, you are waiting my name and my financial future, am trying to build my financial future, am communicating with you TransUnion and XXXX XXXX from approximately 4 months and nothing till now, XXXX results, I want my auto XXXX loan to be effective on my credit reports on a monthly basis, I just get hard inquiry from XXXX XXXX and 2 other finance companies, XXXX XXXX sent my informations already to TransUnion as they requested and I'll upload the email here, TransUnion is not responding to XXXX XXXX emails or my emails, I will upload also what TransUnion applied with the last dispute here.
Product: Credit reporting

I have disputed a XXXX account three times ( XXXX, XXXX, XXXX ) with Equifax. I have included a letter from XXXX stating that this is not my account. I have included the police report I filed to report the fraud.. XXXX took the XXXX account off my credit right away. Equifax has for the third time " verified '' that this is my account. It is NOT my account and I have given them the documents to prove this is the case. This has caused me financial hardship! Help!
Product: Checking or savings account

On XX/XX/XXXX I went to an atm located at XXXX XXXX XXXX in XXXX TN XXXX. My financial institution which is chime recommended that this would be the closest atm that has no fee to me. I went in the store and selected to withdraw {$300.00}, someone walked up and started speaking to me so as I spoke with them my money was being dispensed as I did not want them to see me receiving my money I spoke with them before removing my funds and when I turned back around the door to the atm closed and it gave me an error message stating that it took too long to remove the funds and to contact my financial institution. I contacted them and gave the instructions that I had gotten from the atm company with a code because they said this was a known issue and they told me it would take up to 10 business days. It has now been over a month and they have not returned my funds yet another dispute I filed they immediately declined it but keep pushing the date back on this transaction. Theyre stating that it will now be XX/XX/XXXX.
Product: Credit reporting

I took a loan out with XXXX in XXXX. I was not able to pay back the loan and it went into collections with " XXXX XXXX XXXX, XXXX ''. Once I was financially able to pay the loan off, I call the collection agency and paid the loan off. This was done in XXXX '. My Experian Credit report still says that I am in collection on this loan. I tried to dispute the information, letting them know I paid the loan off, and it was denied. I tried again to dispute the information, and was told I could not do this because I had only one time to dispute the item. 
Now, I it says I still owe {$3200.00}. that is in collection, and past due as of XXXX XXXX. This is not correct and it needs to be updated to say I paid the loan off. Any help on this would be very much appreciated. Thanks,
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/2022, to remove these accounts that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after XX/XX/XXXX. Ive already included this in my previous Complaint XXXX & I am including it again. Please do immediate action regarding this matter. 
XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX ) XXXX Balance : {$430.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$580.00} XXXX XXXX XXXX XXXX Creditor : XXXXXXXX XXXX XXXX ) XXXX : {$710.00} XXXX XXXXXXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX : {$460.00} XXXX XXXX : {$460.00}
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XX/XX/year> Dear Sir/Madam, I am writing to dispute an error on my credit report. According to the report from [ XXXX/Equifax/XXXX  ] XXXX there is a 30-day late payment listed on my account with XXXX XXXX XXXX XXXX. However, I would like to bring to your attention that this information is inaccurate. 

On XX/XX/year> I made a payment to my XXXX XXXX XXXX account # XXXX, and I have documentation to support this payment. I have attached a copy of the letter from XXXX XXXX XXXX XXXX confirming the error and stating that they have removed the 30-day late payment from my account. Accordingly, due to consumer 1681i. Procedure in case of disputed accuracy 1681e - Compliance procedures 1692g ( b ) Disputed debts - Validation of debts Instruction : Please remove inaccurate late payment. Account as paid on time.

I request that you investigate this matter and correct the inaccurate information on my credit report as soon as possible. Please provide me with written confirmation once the investigation is complete and the error has been rectified.

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Mortgage

In XX/XX/XXXX I missed 4 mortgage payments due to loss of monetary contribution from my ex-spouse and slow in business revenue from my floral business. I called my lender XXXX XXXX ( now Bayview Service ) to ask for reinstatement but they refused. So in XXXX, I called XXXX XXXX XXXX in XXXX XXXX to help me with loan mod assistance. From XX/XX/XXXX-XX/XX/XXXX I got denied for the loan mods. I then hired XXXX under XXXX XXXX to help me stop foreclosure as well as appeal the loan mods. While we were in loan mods appeal and review, they sent me foreclosure letters with auction sale dates. They violated the law by doing Dual tracking foreclosure. My sale date was in XX/XX/XXXX then postpone to XXXX, then back later to XXXX. It was postpone only because I called them to ask where's all my documents I have sent them. Their excuse was that they can't find them. But that didn't stop them from stopping the sale. They harassed & left me with no choice but to file Chapter XXXX on XX/XX/XXXX. It is still under the court 's review. I don't think I can afford the payments under Chapter XXXX. I am not upside down in my house. There's still equity in my house but Bayview wanted to take my house away without giving me a chance for reinstatement or loan mod. Since my dad is the grantor and he's XXXX yr ( I'm secondary ), I really believe they discriminated against him because they believe he doesn't have much time to " pay back '', so they denied giving us any kind of assistance. They violated the Fair Lending act for discrimination based on age.
Product: Credit card

I opened a Chase Sapphire Preferred on XX/XX/2024 after seeing that the promotional offer was XXXX additional points. After the credit card was approved, I also consistently noticed in the Chase mobile app a feature showing my progress to the XXXX points. 

However, after meeting the spending criteria for the bonus offer, Chase only gave me XXXX points. Two phone conversations and tickets escalated by customer representatives on my behalf requesting additional points were denied, and the marketing team at Chase claimed that the offer ended in XXXX, which was inconsistent with what I saw and what I believe I was offered when I signed up.
Product: Vehicle loan or lease

I purchased a car on XX/XX/2021 in the amount financed for XXXX I also incurred finance charge of XXXX my under standing this is a violation of the Truth In Lending.

Failure to disclose all information about the finance charge. According to 15 USC 1605 the finance charge should be the sum of ALL charges with any consumer transaction. It should not include fees or certain amounts imposed by third party ( dealership ). Interest should already be included in the finance charge.

16CFR 443.1 XXXX XXXX is due to the consumer when they incur a finance charge It is against the law to commit fraud.

According to the TRUST LAW they have already received their funds from me when they obtained my funds by using my credit card ( SSN ). The legal definition of a credit card means any card, plate, coupon book, or other credit device existing for the purpose to obtain money, property, labor, or services on credit
Product: Credit card or prepaid card

Bank of America XXXX : We booked two flights with XXXX   airline from XXXX   to XXXX for {$970.00} XX/XX/2020. We also booked online a return flight from XXXX to XXXX  on a separate charge. Because of the COVID crises and XXXX Financial instability they canceled both flights and didn't provide a refund or any compensation. I reported to Bofa and they open a dispute. XXXX was not answering phones or providing any communication about the status of the flights. The return flight was later canceled and removed from my account. The outbound flight for XX/XX/XXXX was later canceled about XX/XX/2020. BofA charged the {$970.00} back on my account. I requested that it reopens because no service was provided. XXXX offered points to fly at a later date. however, at this time they offer no flights. 

I requested a refund, however, Bofa told me that the airline was offering a sufficient offer for services not rendered.
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, today, XX/XX/2023, I received the attached credit file report consisting of 36 pages. The attached .pdf contains the pertinent pages. Please see the name contained on each page ( i.e. 1, 2, 5 and 35 ) of the same 36 page credit file report. The name does not match! The name of the credit file report is not the same name of the addressee of the mailing of the credit report! 

The addressee of Equifax Information Services mail is INCORRECT and remains wrong. 

I am demanding that mail sent by Equifax Information Services specifically enclosing and containing the personal credit file information and personal identifying information be addressed to same name contained in the credit file report! The system names do not match and the addressee for the mail assuming a mail forwarding is filed with the XXXX would not occur correctly since the addressee is the WRONG name.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS 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 accounts 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 accounts : XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$670.00}
Product: Mortgage

On or about XX/XX/2019, my mortgage bank posted notice of trustee sale on my door. I have done everything up until this time, that was asked of me by the bank in a timely manner. I have in good faith worked with my bank to prevent losing my home and ensure prompt payments. However, the bank appears to not have worked with me in good faith and has dismissed and denied my request and my circumstances. I have informed my bank that I am a XXXX. The bank has ignored my communications and has not been transparent with the entirety of the process.
Product: Debt collection

Monarch Recovery Management at no point had permissible purpose to obtain, request, or review my consumers report pursuant to 15 U.S. Code 1681b ( a ) ( 2 ). According to 15 U.S. Code 1692 ( b ) Monarch Recovery Management is a debt collector. Monarch Recovery Management previously obtained this account as a result of material misrepresentation, fraud, lack of permissible purpose & Identity Theft pursuant to 15 USC 1681 a ( q ) ( 3 ), 18 U.S. Code 1028A ( a ) ( 1 ) ( 2 ) and IC 35-43-5-3.5 & IC 35-38-1-2.5. 
XXXX XXXX  did not legally obtain my consent to sale, transfer, assign, or disclose any non-public personal information pertaining to this account with Monarch Recovery Management or any other third part as regulated by 15 U.S. Code 6802 of the GLBA. Additionally, XXXX Bank failed to provide the consumer with FULL disclosure at the initial signing. Failure to provide FULL disclosure of material information that is known to be relied upon by the consumer is misleading, an unfair method of competition, and unfair & deceptive acts of FRAUD.
Product: Debt collection

I had a Target credit card in XXXX. Around XXXX I was unable to pay and the account went default. This credit card has been reporting as derogatory for well over 7 years. I have continued to dispute this on XXXX and other CRA 's and it just will not come off. This debt is started nearly 14 years ago, and has been closed. I don't know how to get this off of my credit report.
Product: Credit card

The Bilt credit card by Wells Fargo withdrew my rent payment from my checking account without my consent on XX/XX/2023. The rent payment is usually charged to the credit card itself, and I never turned on a feature or agreed to having the money debited from my bank account directly. My checking account is now overdrafted by thousands of dollars and I will be charged overdraft fees/ can not take cash out of an ATM. I reached out to them immediately and their customer service was of no help, saying they had to escalate the case, but in the meantime my checking account is tied up. Based on other online forums, the same thing happened to multiple other cardholders so there is an issue with their system. It is unacceptable to say the least.
Product: Credit card

Account Opened on XXXX XXXXXXXX XXXX Account was closed on XXXX With total : {$3900.00} Reported balance Last SSN XXXX I recently reviewed my credit report and found some inaccurate accounts reporting. I am in process of buying a home for my family and this is hurting my score. Please review the documents and have the account removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are credit cards that was opened in my name I want to have removed my credit reports, this is fraud and I want them removed immediately from my reports I want XXXX card, XXXX XXXX XXXX, XXXX XXXX XXXX removed I did not authorize anyone to open these credit cards in my name and I want these removed asap, I dont appreciate this inconvenience, Im filing this to have these removed thank you.
Product: Credit card or prepaid card

On XX/XX/XXXX I received a replacement Debit card from my bank in an expedited envelope. I thought Bank Of America has fraud detection and they may have acted on it. 

On XX/XX/XXXX I received an alert from Bank Of America - details are given below : XXXX XXXX Your Debit card ending in XXXX  was mailed on XX/XX/XXXX to this address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Use the UPS  tracking number ( XXXX ) at www.XXXX.com to check the delivery status of your card. 
Your card will arrive in an envelope with a Bank of America logo and a XXXX, Delaware return address within 4-6 business days ( up to 16 for international ). 

This triggered in my mind that somebody has scammed Bank of America to get my Debit card. I called the fraud prevention dept of Bank Of America and learnt further that this person from above address has called the Bank and increased the daily withdrawal limit and further asked the card to come directly to FL ( XXXX XXXX, FL XXXX ). XXXX XXXX # ( XXXX ). 

So I cancelled the card and reapplied for a new one. The Debit card was supposed to come to my address today but I learnt from XXXX  that the sender ( Bank of America ) had diverted again to a different address in FL. This means the same person has called and got thru as me to give a different address to receive my new card. 

I called the Fraud dept oXXXX Bank Of America again and asked them close my Debit card completely. I demanded to increase the security so imposters can't get in without proving their identity via a phone call verification. 

I am concerned that somebody is relentlessly trying to gain access to my bank account.
Product: Checking or savings account

Received offer in mail to open new checking and savings accounts at Citizens Bank and follow requirements in order to earn a {$600.00} bonus. I opened both accounts in XXXX of XXXX and was to be paid out on XX/XX/XXXX. I was never paid out and they said it was because I already have an account ( not true, I'm secondary on my mother 's account with them ) and that I don't qualify. The disclosures do not explicitly state this, and say that account had to be within last 6 months and my mother has had hers for over 20 years. They lied and were deceitful. I contacted them and they opened up a complaint and the Office of the chairman contacted me once but I was working so I couldn't answer the phone. I called back within 5 minutes of missing the call and there was no answer. I have left several voicemails and sent emails to follow up and they are ignoring them. This is unacceptable and they owe me {$600.00}. I have attached the offer they mailed me that includes disclosures.
Product: Credit reporting, credit repair services, or other personal consumer reports

Take note that XXXX ( Original Creditor : 11 XXXX ) XXXX is not my collection. I do not owe this company, collection agency never contacted me to discuss about this alleged account. I did not sign up for an account with XXXX. I do not have an acknowledgement with the original creditor, I did not sign up for an account with XXXX, Remove XXXX ( Original Creditor : 11 XXXX  ) XXXX from my credit report
Product: Credit reporting or other personal consumer reports

according to 15USC 1681EB You are suppose to assure maximum possible accuracy. This account is not accurate according to the Fair Credit Reporting Act.

delete this account immediately for violating 15USC 1681EB.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/year>XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Dear Collector, I am writing this letter in to despite discrepancies in my credit report. I dont believe I owe this debt or what you say I owe. Under the protections provided by federal consumer laws, I am requesting debt validation and disputing all alleged debts associated with my name. This letter serves as notice of my dispute and as a demand for strict compliance with the law. 
Pursuant to XXXXXXXX XXXX  XXXX ( b ) ( XXXX ), you have failed to provide the required validation information to substantiate the alleged debt. Additionally, under XXXXXXXX XXXX XXXXXXXX ( c ) ( XXXX ) ( i ), I have not been given the opportunity to properly dispute the account as required by law. 

Your actions, including the furnishing of this alleged debt to consumer reporting agencies without providing the proper disclosures required by law, constitute violations of XXXX XXXX XXXX ( d ) and XXXX XXXX. XXXX XXXX ( XXXX ) ( A ). These actions amount to false, misleading, and deceptive practices, which infringe upon my consumer rights. 

In accordance with my rights under federal law, I am disputing the validity of this alleged debt. I also demand the following : XXXX. XXXX XXXX : Provide proof of the alleged debt, including a copy of the original agreement between myself and the original creditor. 
XXXX. XXXX XXXX : Furnish the purchase agreement or other documentation that demonstrates your authority to collect on this alleged debt. 
XXXX. XXXX XXXX XXXX : Provide proof that your company is licensed and bonded to collect debts in my state. 

Furthermore, I hereby revoke all authorization for your company to contact me via phone calls, text messages, or emails, effective immediately. All future communication regarding this matter must be conducted through written correspondence sent to my mailing address listed above. 

Failure to comply with these requests or continued violations of my consumer rights will leave me with no choice but to pursue all available remedies, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state Attorney Generals office. 

Please provide the requested information within XXXX  days of receiving this letter. If you fail to do so, I will consider this matter resolved, and any further collection activity will be deemed unlawful. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX, XXXX XXXX
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 ( 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 : XXXX XXXX XXXX - XXXX XXXX. XXXX XXXX XXXX - XXXX XXXX. XXXX XXXX XXXX - XXXX XXXX. XXXX XXXX - XXXX 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 these fraudulent accounts in my report and CREDIT BUREAU 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, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are 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 these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you