23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

PLEASE HELP! I HAVE BEEN DENIED MY RIGHT TO MAKE A PYMET 3 RIMES THIS MORNING! PLEASE HELP! MY LATE FEES ARE COMPOUNDING I JUST WANT TO MAKE A PAYMENT!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a derogatory reporting on my XXXX XXXX account for the date XX/XX/2019, XX/XX/2019. I reached out several of times to the company with no response. It is causing me financial distress as my creditworthiness is being judged off this inaccurate marking.
Product: Money transfer, virtual currency, or money service

I was scammed using cash app out of {$300.00}, was putting a down payment on a vehicle and it ended up being fraudulent, XXXX XXXX XXXX was hacked and then I did not get my money back or any vehicle.
Product: Debt collection

I have tried calling the collection agency to resolve my financial issue, because I am hard of hearing and they wo n't communicate with me on speaker phone. So then I ask if they could communicate with me via email and they refuse. They told me to got get a different phone. 
First of all I do not owe the debt it was paid by XXXX XXXX. I tried contacting them and they said the the XXXX Doctor has to talk to them directly. The doctors office refuses to do this. Do n't I have the right to resolve my issue?
Product: Debt collection

Wakefield has place collection on me that are not mine.   XXXX   XXXX   XXXX    offered financial counseling and provided 100 % discount under a program that was signed off to allow student to get their training. I have no knowledge of responsibilities other than that.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Dispute of Late Payment Reporting under 15 U.S. Code 1681a ( 2 ) ( A ) ( 1 ) and FCRA Dear XXXX, I am writing to formally dispute the reporting of a late payment on my XXXX  XXXX account as reflected on my credit report. Upon review of my rights under the Fair Credit Reporting Act ( FCRA ) and other consumer protection laws, I believe that the reporting of this late payment is inaccurate and in violation of several key statutes. 

According to 15 U.S. Code 1681a ( 2 ) ( A ) ( 1 ),  transactions or experiences between me, the consumer, and XXXX XXXX are not considered to be subject to third-party credit reporting. Since this late payment pertains to a transaction or experience exclusively between XXXX XXXX and myself, it should not have been reported to any credit reporting agency. Therefore, I am requesting that you reverse this late payment and mark the account as current or have it removed from my credit profile immediately. 

Furthermore, under 15 U.S. Code 1666b, it is required that a creditor, such as XXXX XXXX, provide billing statements at least XXXX  days before the due date. I request that you provide documentation proving that my billing statements were sent to me within the required timeframe. If you can not provide these documents, this would constitute a violation of my rights under the XXXX XXXX Billing Act ( FCBA ) and further demonstrate that the reported late payment is invalid. 

Additionally, FCRA Section XXXX and Section XXXX support that any information on my credit report must be verifiable, accurate, and reported in compliance with the FCRA. If the late payment can not be fully verified in accordance with these sections, it must be removed from my credit report immediately. 

In light of these legal provisions, I kindly request that you : XXXX. Reverse the late payment and mark my account as current, or XXXX. Remove the late payment from my credit report entirely, and XXXX. Provide evidence that you complied with 15 U.S. Code 1666b by sending the required billing statements at least XXXX  days prior to the due date. 

If you are unable to comply with these requests or provide verifiable documentation supporting the late payment, you are required by law to remove the negative reporting from my credit file in accordance with the FCRA. 

I look forward to your prompt response and resolution of this matter within the XXXX timeframe mandated by law. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account XXXX Account XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX Not my account Affirm XXXX XXXX Not my account Regional acceptance XXXX Account never late XXXX XXXX XXXX XXXX {$260.00} Account not mine XXXX XXXX XXXX {$250.00} Account not XXXX XXXX XXXX XXXX account number N/A {$4200.00} Account never late XXXX XXXX XXXX {$600.00} Account never late XXXX XXXX XXXX {$2300.00} Account never late
Product: Prepaid card

Purchase was made on XX/XX/XXXX items were not delivered and package was stolen. I reached out to merchant and delivery service and when I tried to reach out to Afterpay, they did not have an option available to dispute the transaction.
Product: Credit card or prepaid card

I file a late payment dispute online on XX/XX/2023 with XXXX on CAPITAL ONE card. I found late payment on my credit report, but according to law. I am a consumer and therefore they can not be putting negative statement on my consumer report. 15 U.S. Code 1681a ( 2 ) ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; This is against the law for XXXX or XXXX to be reporting late payment on my consumer report. I ask them to please remove the late payment information from my consumer report. This is hurting my report. This is causing me to deny of credit.
Product: Credit card or prepaid card

I received an unsolicited Credit Card in someone else 's name at my address. 
NETSPEND XXXX XXXX was received at my home address under a different name. 
This is the second time this has occurred, both cards sent to my address with different names. 
How is someone able to order a card using my address? 
The company said they would investigate with Marketing. Upon followup I was told there is no information.
Product: Credit reporting or other personal consumer reports

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

Account Name : XXXX - Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX- Account Number : XXXX Unauthorized inquiries : XXXX XXXX XXXX  XX/XX/year>
Product: Credit reporting or other personal consumer reports

I hope this letter finds you well. I am writing to express my deep dissatisfaction and frustration regarding the numerous attempts I have made to rectify the issue of a late open account with your company. Despite my persistent efforts to resolve this matter, I have not received the necessary assistance or cooperation from your team. 

This ongoing delay has not only caused inconvenience but has also had a negative impact on my financial standing. I believe in fair and transparent business practices, and it is disheartening to experience such a lack of responsiveness from a company of your stature. 

I kindly request that you investigate this matter promptly and take the necessary steps to rectify the late open account issue. Additionally, I expect a thorough explanation for the delays and a commitment to improving your customer service procedures to prevent such issues from occurring in the future. 

If this matter is not addressed within the specified timeframe from the date of this letter, I will be forced to explore alternative courses of action, including filing a complaint with the appropriate regulatory authorities and seeking legal counsel. I am asking for your assistance to correct this late open account in my credit file : XXXX  XXXX XXXX Balance : {$190.00}.
Product: Credit reporting

I got a rejection letter from XXXX XXXX XXXX XXXX, dated XXXX/XXXX/XXXX, reference number XXXX, for a loan application from XXXX XXXX on XXXX/XXXX/XXXX. The reason for not approving my request was " there are too many delinquent past or present XXXX XXXX credit obligations. '' I do not have nor have I ever had any XXXX XXXX credit cards. My sister in law, however, does and she has BAD credit. XXXX XXXX XXXX, dob XXXX/XXXX/XXXX, new married last name XXXX. She used to live at my husband 's and mine current address XXXX XXXX XXXX, XXXX, NC XXXX. Somehow XXXX XXXX has confused our XXXX separate identities and now it is affecting all XXXX credit reporting companies! When I attempted to check Equifax for my credit, I could not correctly answer the XXXX security questions. I thought they did not pertain to me and said " none of these '' but when I ran into the same weirdness on XXXX, I answered the questions as my sister in law and was able to get in.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( BLOCK , INC . ) due to inadequate customer service and unfair practices which violates the consumer financial protection act. ( CFPA ). Specifically, CASH APP failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected
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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

For a long time now, over a year, my XXXX credit card has not appeared on my Experian credit report. 
I have tried to call XXXX and Experian to resolve this issue, to no avail. 
Around XX/XX/XXXX or so, I opened a dispute with Experian about the issue. 
On XX/XX/XXXX, I was told the dispute is closed because they can not add items to my credit report as the result of a dispute, and refused to look into the issue further. 
XXXX has assured me that they send monthly reports to Experian just as they do the other bureaus, and on my request, has sent them off-cycle reports, so I believe the issue to be Experian 's fault, despite their insistence that it is not and that they will not do anything about it. 
As a result of this, my Experian credit score is XXXX points lower than my XXXX and XXXX scores.
Product: Checking or savings account

Bank of America is taking my money by charging me with fees that are not explicable and they are adding them up and the more that they pull make fees the more money I lose and then they charge me more fees on top of that.
Product: Credit reporting, credit repair services, or other personal consumer reports

Delete this charge off account XXXX XXXX XXXX XXXX for inaccuracy Because the date last updated shows XX/XX/2023 on TRANSUNION, XX/XX/2023 on XXXX and XX/XX/2023 on XXXX Delete this charge off account XXXX XXXX XXXX XXXX for inaccuracy Because the original balance shows : XXXX on TRANSUNION, XXXX on XXXX and XXXX on XXXX
Product: Debt collection

This company reported me in collections in XX/XX/2020. I am not aware of the amount owed nor am I familiar with the debt or company reporting on my credit. This is preventing me from qualifying for my VA Loan to make a home purchase as I intended.
Product: Credit reporting, credit repair services, or other personal consumer reports

Pursuant to 15 USC 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless- such financial institution clearly and conspicuously DISCLOSES to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such a third party ; and the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 
Notice, congress said that the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such a third party and the consumer is given an explanation of how the consumer can exercise that nondisclosure option. The fact that I was never given an explanation of how I can exercise that nondisclosure option is immediate grounds for removal. 

Accounts Creditor : XXXX XXXX XXXX Account : XXXX Creditor : XXXX XXXX XXXX Account XXXX XXXX Creditor : XXXX XXXX XXXX- Account : XXXX Creditor : XXXX XXXX XXXX Account : XXXX Creditor : XXXX XXXX- Account : XXXX Creditor : XXXX XXXX XXXX Account : XXXX Creditor : XXXX XXXX XXXX Account XXXX XXXX Creditor : XXXX XXXX- Account : XXXX Creditor : XXXX XXXX XXXX Account : XXXX Creditor : XXXX XXXX XXXX Account : XXXX Creditor : XXXX XXXX XXXX XXXX- Account : XXXX Creditor : XXXX XXXX XXXX XXXX Account : XXXX Creditor : XXXX XXXX XXXX XXXX XXXX Account : XXXX Creditor : XXXX XXXX Account XXXX XXXX Creditor : XXXX XXXX Account : XXXX Creditor : XXXX XXXX Account : XXXX Creditor : XXXX XXXX - Account : XXXX XXXX : XXXX XXXX XXXX- Account : XXXX XXXX : XXXX/XXXX XXXX- Account : XXXX REMOVE UNAUTHORIZED Inquiries attached to this notice.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the accuracy and legitimacy of several hard inquiries listed on my credit report. Upon reviewing my credit report, I have identified the following inquiries, which I believe were unauthorized and made without my 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 XXXXXX/XX/XXXX According to 15 U.S. Code 1681 ( Fair Credit Reporting Act ), you are required to ensure that the information contained in my credit report is accurate, complete, and verifiable. Hard inquiries should only appear if I have given explicit authorization or initiated a request for credit.

1. If such evidence can not be provided, promptly remove these inquiries from my credit report.

Failure to investigate this matter fully or to respond within the legally required time frame of 30 days may constitute a violation of my rights under the Fair Credit Reporting Act. I expect to receive a detailed response explaining the actions taken as a result of your investigation. 

Thank you for your prompt attention to this matter
Product: Mortgage

Ocwen loan service LLC. I am trying to get a lone modefaction with Ocwen from XXXX, every year i send them money for 6 months, after that they told to reapply. from thaat time to XXXX XXXX. they tole me that i was owen over XXXX. i keep trying with them, XXXX of XXXX they told me my nodefaction was a prove. They told me to send three months payments, and second week in XXXX i will get my loan modefaction. theXX/XX/XXXXXXXX came and did'nt received, i spoke to them, they told me to send out the payment for that month, which i did. XXXX is here, i call them they told me they are sending the papers for me to sign, and it have to be in there office by XXXXOn the XXXX i call them and told them that i did'nt received, any paper work, my modefaction don'n worry he is going to email it to me which i never receive. i receive the paper work on XXXX which i sign a and return it express mail, when i spoke they told me my modefaction was denid. when i spoke to my manager again ehe told me to send out two payments then i will get my modefaction, i told them no i am not sending no more payments, on till. i get my modefaction
Product: Payday loan, title loan, or personal loan

I am unaware of when this loan was taken out. I was contacted by XXXX about an outstanding balance from The Cash Store. I ipted to make payment arrangements rather than fight the balance. I subsequently was diagnosed with XXXX and had emergency XXXX to remove my XXXX and XXXX. I have been receiving XXXX and have been unable to work during treatment. I was able to make my payments until I ran out of money XXXX weeks ago. I have received threatening phone calls from XXXX XXXX at XXXX ext XXXX. She told me I needed to pay my bills if I had XXXX or bit and that she would send this to local law enforcement. I told her to send me any and all correspondence via mail. She has then proceeded to reach out to others via XXXX profiles and harasss them saying she needs to find me. Yet I have given her my address and phone number.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are people listed as family members from XXXX Ohio on my page and it also reports that I lived in Ohio. I have been through Ohio in passing, but ever to live in that state. 

This is most likely from Identity theft that I am seeing. I do not know how long this will continue but my report but I have asked to get this corrected several times. 

XXXX also detailed me as having these connections Exquifax and XXXX XXXX XXXX  reported to me that there was an account opened in my name but it was not my account. 

XXXX XXXX XXXX has shown me that my SSN and DOB were exposed on the Dark Web several times.
Product: Credit card or prepaid card

JPMCB Card services is charged on my account. I have no knowledge of this account. Currently has a balance of {$60.00}.
Product: Money transfer, virtual currency, or money service

I am formally writing a complaint about Zelle. I am concerned that they provide no customer service and in the past when I have sent Zelle and had an issue there was no one to fix the issue. They have neglected their consumers and should be held accountable for their actions.
Product: Credit reporting or other personal consumer reports

I have discovered unauthorized accounts and inquiries on my consumer report, prompting me to file a complaint with the Federal Trade Commision ( FTC ). My grievance is directed towards XXXX, XXXX, and Equifax for infringing on upon my consumer rights by including these accounts in my credit report. I strongly believe that this situation exploits me, and I seek resolution.
Product: Debt collection

Debt occurred from identity theft and the collection company didnt even verify and filed a lawsuit on me. 

Zwicker & Accociates, P.C. for XXXX XXXX  XXXX and XXXX for XXXX XXXX
Product: Mortgage

Below is a letter written to Wells Fargo that is self explanatory.Loans Administration Wells Fargo Home Mortgage XXXX XXXX XXXX XXXX XXXX, IA XXXX ( XXXX ) XXXX Dear XXXX XXXX I am terribly upset at your XX/XX/XXXX letter informing me that my loan rate will be adjusted 2 % higher as of XX/XX/XXXX. For the past 18 months I have tried to work with your loan department to re-finance this loan at my present rate. 

As you will see, my revenues that I receive each year are far and away enough to have a refinance accepted. However multiple times I was denied because a large portion of my investments are in companies that strategically tax plan so the 1099s show little or no income ( Even though I am receiving the income ). 

Your loan department rejecting me is ridiculously arbitrary and a failure and caring to look into the actual situation. However, in spite of this, I just figured when the time came, I would sell off equities and pay off the loan. 

Due to the failure and consequences of our administration to manage the economy with any skill, the market has plummeted, and it is impossible to take funds out to pay off the loan at this present time. 

Now, even though I have always had the income to satisfy a re-finance, you want to increase my loan by an absorbent amount. 

THIS IS UNACCEPTABLE XXXX XXXX, What I need you to do ( and what is fair ) is extend the present loan rate another 6 months to a year. Or accept a refinance at the present rate for another 7 years. 

Please understand, I feel that Wells Fargo has acted capricious and intentional in this situation, and I am willing to take all steps to have Wells Fargo be fair. 

I thank you for your understanding and ask that you reply by e-mail
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of Equifax breach and opted out of the settlement because I have suffered extreme losses due to the breach and identity theft. I need the fraud accounts that are in my letter that are attached removed permanently from my file as I have also contacted the creditors as well. This is extreme violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the Equifax breach as well.
Product: Credit card or prepaid card

On XX/XX/2021, I was attempting to purchase airfare on the XXXX XXXX website. As I was about to make my purchase, an ad within the website came up and suggested I apply for a Citi XXXX XXXX XXXX Mastercard. I applied for the card so I could use it immediately on this large XXXX XXXX purchase, and therefore receive the associated benefits. 

I was approved for the card and the prompt after my approval told me that I could use the card immediately with a limit up to {$6000.00}. That prompt also provided my new credit card number, and allowed me to set up online login credentials, which I did. ( I also received an email from citibank confirming I had been approved for the card. ) Even though I followed the steps to setup my online credentials, they did not work and were apparently not yet activated by Citi. 

Unfortunately, when I went to pay for the expensive airline tickets I was not able to use my new card. ( The specific reason I applied for the new card was to make this purchase. ) This is because I had not received the details necessary for the online purchase -- the card expiration date and the card security code -- from Citi. 

I called Citi to ask for help ( XX/XX/2021 ). I correctly answered every security question asked : my SSN, my Citi security word, my address. After explaining my situation, the Citi agent said she could not help me, and that Citi could not do anything for at least 4 days. I explained the above to her ( that I'd applied for the card specifically to make today 's purchase, and that the online message at approval said I had immediate access to {$6000.00} in credit ) and she said Citi could not do anything - to call back in 4 days. At that point, I asked her to just cancel my card ; she said I would need to call back in 4 days in order to cancel my card! 

I believe the XXXX XXXX ads for this credit card should state clearly the card can not be used for an immediate purchase. The fact that the ad pops up when the consumer is in the process of making a purchase, and even citing how the consumer will save {$200.00} from today 's purchase in doing so, is misleading. Also misleading is the response at acceptance stating that the consumer has immediate access to credit. This is simply not true.