23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I have been to US Bank branch at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX paying one of my companies credit card at XX/XX/2018. At branch I hand my ID, company name and {$1200.00} to teller. Same afternoon I received phone call from US bank XXXX department to inform me there is still around {$100.00} balance I hadnt paid yet. At spet XXXX I went to other branch to pay the remaining balance. US bank told me the {$1200.00} not going to right account. And new balance is XXXX which I had to pay. After the branch contact XXXX department, they would told me the amount going to my other company credit card. All they can do is pay that one first which is XXXX something. The rest of money can go to right account. Since there is mistake made by us bank employees, why US bank charge me XXXX more term interest on my cc balance?
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent faxes to XXXX ( Fax Number XXXX ) and XXXX  ( Fax Number XXXX ) to dispute the inaccuracy, compliance, and reporting of a public record that they maintain under my social security number. I requested in the letters that they please validate this information with the court and provide me with copies of any documentation associated with this account, bearing my signature. 

The following bankruptcy entries are inaccurate and unverifiable : Account # XXXX Reported XX/XX/XXXX Account # XXXX Reported XX/XX/XXXX Both XXXX  and XXXX   responded back stating the bankruptcy is accurately reporting based on third party data provider LexisNexis. Per the FCRA 623 ( a ) ( 5 ) " If the Credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer file. XXXX and XXXX  have yet to provide me with copies of all documentation associated with this Public Record Account bearing either a court order to place this information in my credit report, or my authorization of release bearing my signature. When I contacted Lexis Nexis they stated that they got the information from United States Bankruptcy Court. 

This information is false. I received a letter from the United States Bankruptcy Court Georgia XXXX District stating : " They do NOT report or transmit bankruptcy court records or any other information to the credit reporting agencies. '' The Credit Reporting Agencies have failed to properly provide any viable evidence bearing my name, signature or showing the account is being reported accurately which is what I initially requested. Per the FCRA 623 ( a ) ( 5 ) " If the Credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer file. 

After receiving the letter from the United States Bankruptcy Court Georgia XXXX and LexisNexis response to my inquiry, I attempted to contact XXXX and XXXX again. I sent XXXX a detailed letter outlining the situation, actions I had taken to remedy the situation ( filing a police report, Identity Theft report, etc ), and requesting that they reinvestigate the accounts. The certified letter and supporting documentation were signed for and delivered by USPS #  XXXX on XX/XX/XXXX by XXXX. The certified letter and supporting documentation were signed for and delivered by USPS # XXXX on XX/XX/XXXX by XXXX. 

Again, I received the same responses from the Credit Reporting Agencies as explained above. The exact same response. I am not sure what else I am supposed to do at this point. XXXX  knows there is an identity theft issue with my credit file since I am unable to verify my own identity through their checks and balances, which prevents me for getting healthcare coverage, insurance, and requires that I send a ridiculous amount of paperwork in the mail just to get a copy of my own credit report. This situation has been absolutely maddening. I hope desperately that you can help.
Product: Money transfer, virtual currency, or money service

I was told to send money to a phone number for a realtor I was using to find a apartment for a security deposit I sent the money and it was the wrong number I contacted Zelle to get the money back they said they would investigate it was going to take a few days when they contacted me they said I type the number in myself and that I couldnt receive a refund the next day when I went to use my account I couldnt log in I called my bank and they said that they closed my account due to fraud which its was never fraud they just didnt want to give me my money back
Product: Credit reporting or other personal consumer reports

15 USC 1681 ( a ) ** 602 a. **15 U.S.C. 1681b ( Section 604 ( a ) ) ** I discovered that my information was accessed through Chexsystems inquiry, and I did not authorize any such access from XXXX XXXX XXXX XXXX on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX and again XXXX XXXX on XX/XX/XXXX. I would appreciate it if you could provide details on who initiated this inquiry and under what authorization. I would like these items removed from my checxsystems file a new file showing that these items have been removed.
Product: Credit card

Secured credit card account was paid off, then closed by the company. The balance of {$1000.00} is due to me the consumer since this account was secured. Credit Cards should NEVER be closed.

( d ) Restricting or closing by creditor of account regarded by obligor to contain a billing error Pursuant to regulations of the Bureau, a creditor operating an open end consumer credit plan may not, prior to the sending of the written explanation or clarification required under paragraph ( B ) ( ii ), restrict or close an account with respect to which the obligor has indicated pursuant to subsection ( a ) that he believes such account to contain a billing error solely because of the obligors failure to pay the amount indicated to be in error. Nothing in this subsection shall be deemed to prohibit a creditor from applying against the credit limit on the obligors account the amount indicated to be in error.

( e ) Effect of noncompliance with requirements by creditor Any creditor who fails to comply with the requirements of this section or section 1666a of this title forfeits any right to collect from the obligor the amount indicated by the obligor under paragraph ( 2 ) of subsection ( a ) of this section, and any finance charges thereon, except that the amount required to be forfeited under this subsection may not exceed {$50.00}.
Product: Credit card or prepaid card

A couple of months ago I called AA Advantage American Express Citi bank to close my card. We do not use American Airlines in favor of XXXX to the places we go and I didnt see the point in having two of the same cards. Current customer agreement is attached. 
When I called the customer service the customer rep said that under customer service agreement that I signed a couple of years ago it would take 30 days to close the account. I did not see any problem here as I cut up the card as I wouldnt be using it anymore. The following week I received a bill for {$99.00}. Calling customer service I was informed that this was the membership fee for the current year 2021. 
I told the girl that I thought it was ridiculous that I pay a fee that I wasnt going to use. I left the conversation thinking the issue was resolved. At the beginning of XXXX I got the same bill. Again after waiting the ten minutes to get a customer service rep. 
I again explained the above situation to her. She said it wasnt in her job to solve the problem but she had to transfer my call to another department. Again after waiting to get the customer service person she also told me she didnt have the power to solve my problem andI would have to be transferred to a third person. Again after being on hold I told the person up front that if she couldnt solve the problem and waive the fee I would be filing a complaint with the CONSUMER PROTECTION BUREAU. This complaint is the result of that call. 
I would like it noted that I can easily pay this charge. I dont feel the charge is fair because Citi Bank is perpetrating something short of fraud in not being honest with their customers. I did pay any outstanding balance before I closed the card. I also closed my XXXX Citi bank card that I have used regularly for the past 10 years. If you were to check my almost perfect credit rating you would find that I very seldom complain or send product back that I ordered.
Product: Credit reporting

I have asked Trans union to remove this account for numerous reasons. Number XXXX, my social security is the account number. Number XXXX this same account is listed XXXX times on this credit agency and since XX/XX/XXXX. It needs to be removed. Please help me with this. 

XXXX # XXXX IXXXX XXXX, WI XXXX ( XXXX ) XXXXXXXXDate Opened : XXXX/XXXX/XXXXResponsibility : Individual AccountAccount Type : Installment AccountLoan Type : STUDENT LOANBalance : $ XXXXDate Updated : XXXX/XXXX/XXXXPayment Received : $ XXXXHigh Balance : $ XXXXXXXXPay Status : Current ; Paid or Paying as AgreedTerms : {$140.00} per month, paid MonthlyDate Closed : XXXX/XXXX/XXXX & gt ; Maximum Delinquency of 120 days in XXXX for {$980.00} and in XXXX for {$1000.00} & lt ; Remarks : TRANSFERRED TO ANOTHER OFFICEXXXX have asked for method of verification and never recieved. I will relieve this complaint if they remove this inaccurate entry. They have been very helpful in the past. Please ask them to help with this.
Product: Mortgage

In 2022 I paid {$15000.00} of XXXX  paid an morgage of {$2400.00} a month now the bank asks me for {$2500.00}. of Escro and the morgage increase to XXXX dollars and do not have a convincing explanation. I plan to pay my taxis and insurance independently for the year I want to help me and if I can take them to court please is fha my plan and they asked me 3 % when I bought and ended up paying {$80000.00}
Product: Credit reporting or other personal consumer reports

XXXX continues to report a collection to my credit each month. XXXX wrongfully billed us for full monthly service on our condo in Florida. Each year we go back home and place the service on seasonal, which we did, however XXXX continued to billed us the full monthly rate. We explained to them that the charge was incorrect and they insisted on charging the full rate. 

After a period of time XXXX placed a derogatory on my credit report. I was infuriated not so much about the wrongful money charges, but the principal of them charging me something that is not mine and crediting trouble on my credit reporting. 

I then hired a company to repair this error. After approximately 9 months the account in question was resolved and the bureaus XXXX, Experian and XXXX all deleted it from my credit report. Yet it is now showing up re-reporting under a different name in error. 

I have tried to rectify this with XXXX and the bureaus and they have been unwilling to investigate or correct the error. This is very upsetting and should be illegal.
Product: Debt collection

Repeated automated calls with no identification of who they are trying to contact, or what company they are. Caller ID says XXXX, RECEIVABLESPERF. There is no message left, if I pick up there is a long silence, and then a recording.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXXE XXXX Sent letter and called telephonically to have this information removed and no action has been taken.
Product: Credit card or prepaid card

An auto loan company that I had done business with in the past charged my card XXXX XXXX 2017 for  XXXX. I disputed the charge because I did not authorized this payment from the company nor was I set up on any kind of auto pay. XX/XX/XXXX I was informed the case was closed and my debt card company found no error in the charge. I sent in a rebuttal letter because I did not agree with this decision. Again it was denied. Then the auto loan company called me and advised they just received a dispute from my card company XX/XX/XXXX. They conducted an investigation on their end and advised that the charge was not authorized. I sent in another letter to RUSHCARD SERVICES and a manager told me no matter how many letters I send in the charge will not be reversed. Her name was XXXX in XXXX. I then took my efforts to social media, the company at that time reopened my case. The auto loan company stated they cant refund me the money because the funds was taken back by the merchant back on XX/XX/XXXX. I was not given any credit from the prepaid card company and they are saying I still have to wait another 30 days after the first investigation was never looked into.
Product: Debt collection

Cavalry portfolio services is trying to illegally collect a debt for {$11000.00}. This debt is reporting on my credit and hurting my score. This debt doesnt not have a valid assignment contract, which violates my right as a consumer
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX  Account # XXXX and XXXX XXXX XXXX  Account # 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
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX XXXXXXXX XXXX XXXX XXXXXXXX -DATE OPENED XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  these inquiries were not made by me XXXX transunion, XXXX, XXXX and the individual companies invovled refuse to take them off my report. I would like these inquiries removed from my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM A VICTIM OF AN IDENTITY THEFT, AND I HAVE BEEN TRYING FOR MONTHS TO HAVE THE FRAUDULENT ACCOUNTS REMOVED FROM MY CREDIT REPORT. I HAVE FILLED MY IDENTITY THEFT REPORT, POLICE REPORT AND I HAVE BEEN IN CONTACT WITH THE CREDITORS SENDING THEM MY PERSONAL IDENTIFICATION ALONG WITH STATEMENTS BY ME CONFIRMING THAT HTESE ACCOUNTS WERE OPENED WITHOUT MY CONSENT, THE CHARGES ARE FRAUDULENT, THE PAYMENTS ARE FRAUDULENT, THESE ACCOUNTS ARE NOT MINE. I HAVE ALSO SEND MY IDENTITY THEFT REORT TO EXPERIAN, TO REMOVE/BLOCK THE FRAUDULENT ACCOUNTS FROM MY CREDIT REPORT. AT THIS POINT NOT SUE WAHT ADDITIONAL INFORMATION I NEED TO GIVE THEM TO REMOVE THE FRAUDULENT ACCOUNTS FROM MY CREDIT REPORT.
Product: Credit reporting, credit repair services, or other personal consumer reports

ON XX/XX/2022 I MAILED A CERTIFIED MAILED WITH TRACKINGNUMBER XXXX RECEIVED XXXX XXXX, SENT A SECOND LETTER XXXX XXXX XXXX XXXX TO CAPITAL ONE BANK. CAPITAL ONE IS STILL REPORTING CHARGE OFF AND UTILIZATION TO THE CONSUMER REPORTING AGENCIES EVEN THEY WERE PUT ON NOTICE. 15 U.S. Code 1681b - Permissible purposes of consumer reports. 
15USC 1681S-2 REPORTING INFORMATION WITH ACTUAL KNOWLEDGE OF ERRORS ACCORDING TO THE IRS ANY CANCEL DEBT MUST FILE FORM 1099-C. IRS DEFINES CHARGE OFF AS GROSS OR ORDINARY INCOME, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT, WHICH IN FACT MAKES CAPITAL ONE REPORTING OF THIS ACCOUNT INACCURATE. 

ANY ILLEGALLY REPORTING THIS EXPERIANCE UTILIZATIONS PURSUANT 15USC 1681 ( a ) 2 ( A ) ( i ) EXCLUSION ( A ) ( I ) VIOLATION The Fair Credit Reporting Act ensures fair and accurate reporting, and it requires users who buy these dossiers to have a LEGALLY PERMISSIBLE purpose. Todays advisory hold responsible any company, or user of credit reports, that violates the permissible purpose provisions of the Fair Credit Reporting Act. Specifically, the advisory opinion makes clear, VIOLATING MY RIGHTS. 

15USC 1681q OBTAINING INFORMATION UNDER FALSE PRETENSES 18USC 1028 FRAUD AND RELATED ACTIVITY IN CONNECTION WITH IDENTIFICATION CAPITAL ONE BANK IS IN DEFAULT IS WILLFULLY REPORTING THIS INACCURATE INFORMATION.
Product: Credit reporting or other personal consumer reports

Request for Security Freeze on Credit Report Dear XXXX : This letter is to formally request a security freeze on my credit report. 
I am concerned about unauthorized access to my personal information and would like a security freeze placed to prevent potential creditors from obtaining it without my authorization. With a security freeze, a temporary PIN will be required for anyone to access my report. 
My personal information is as follows : Full Name : XXXX XXXX XXXX Date of Birth : Date of Birth : XX/XX/year> Social Security Number : XXXX Current Address : XXXX XXXX XXXX XXXX XXXX Delaware XXXX For verification purposes, I have enclosed photocopies of the following documents : Government-issued ID Proof of residence Please send instructions on how to obtain a PIN to temporarily lift the freeze in the future. 
Thank you for your prompt attention to this matter. I look forward to confirmation of the security freeze on my credit report. 

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

This is NOT a fraud complaint. do NOT place a fraud alert in my credit file. 

I have challenged the reporting of a bankruptcy on my credit report 6 separate times on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

I demanded each and every document that they have in their physical possession on each of those dates. This demand was made pursuant to the FCRA 15 UCS Section 1681g. They were specifically asked not to merely state that is has been verified as this is not in compliance with the law. This must be done in XXXX XXXX Format reporting. 

In the event they did not have any documentation in their physical possession as of the date of these demands, under the Fair Credit Reporting Act Section 1681 ( i ), ALL unveried accounts must be promptly deleted. Moreover, I disputed the validity of each of the XXXX under Section 611 ( a ) ( 5 ) ( A ) ( i ) of the Fair Credit Reporting Act. 

If they do not have any documentation in their les to verify the accuracy of these disputed accounts, they are required to delete them immediately. Failing to do so is damaging my creditworthiness and reputation. 

I demand the XXXX be properly verified with physical documentation and in XXXX XXXX Format reporting ( and not just verified through a 3rd party ) or it MUST be removed immediately.
Product: Credit reporting or other personal consumer reports

My account with XXXXXXXX XXXX XXXX XXXX XXXX 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 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.

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. 

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

The company ( Checkr , Inc. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, CA XXXX XXXX ) has conducted several background screenings and continually ignores the 7 year rule for reporting outdated information that has been deleted from my history. Checkr is reporting negative information that is 8 or more years old to a potential employer.
Product: Payday loan, title loan, personal loan, or advance loan

On Monday, XX/XX/year> at XXXX am I received an email confirmation of a loan through Affirm via XXXX XXXX that was opened without my authorization. 
The loan amount was for {$3600.00} for the purchase of two plastic toys. 
The information on the invoice matched my name, address and email but I was not the person that placed the order. 
I immediately contacted both XXXX XXXX XXXXnd Affirm and was issued claim numbers as follows : XXXX XXXX  issued support ticket number XXXX at XXXX XXXX  on XX/XX/year> Affirm issued Customer care confirmation number XXXX at XXXX I was contacted via email by XXXX  XXXX  on XX/XX/year> and they advised me to contact Affirm which I had already done. 
I contacted Affirm on Saturday XX/XX/year> by phone to inquire about the status fo the claim and was told that they were still working on it. 
On XX/XX/year> at XXXX I received an email that stated Based on the available information, our investigation indicates that you are responsible for the loan and payments associated with XXXX XXXX XXXX XXXX ID : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  our decision stands and you are responsible for any current or future payments due. Please note that loan and payment information may be reported to XXXX. 
Upon receipt of this email, I contacted Affirm and was told that I needed to submit documentation proving that I did not apply for the loan but given no details as to what that documentation should consist of as I dont have anything that constitutes such proof. 
I was told to wait an additional 5-7 business days and then that the investigation can take up to 30 business days. In the meantime, the account is active and showing a payment due date of XX/XX/year>. 
The 5-7 business day clock has been reset several times with no suspension of the account or the payments. 
There has been no investigation into where the funds were transferred, what information was submitted for approval and no credit information was obtained to approve the loan. No investigation was done into the validity of the company, the tracking of the products that were not delivered or any additional fraud investigation. Affirm and their partner XXXX XXXX do not have sufficient fraud prevention controls, are not protecting my personal information and have ineffective fraud investigation policies and procedures. 
I am requesting that the account be suspended while under fraud review and the above investigation is performed.
Product: Debt collection

To whom it may concern ; As of XX/XX/2017 a debt of {$840.00}. XXXX showed up on my credit report from XXXX XXXX. However, I closed out my account with this company before the process of being evicted from the property. Additionally, I did not reside at this residence during the time this amount was accrued. Whom ever lived at the the property after word was receiving electricity while billing fraudility under my name. This account was sent from XXXX XXXX to XXXX XXXX XXXX XXXX. Account number ( XXXX ). I have dispute this debt multiple times via the credit bureau and the collection agency itself with zero results.