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

I Submitted a claim to the CFPB on XX/XX/XXXX stating that " XXXX XXXX XXXX is reporting that on XX/XX/XXXX & XX/XX/XXXX I applied for credit. This inquiry was not done with my authorization. I have contacted the company and asked for an investigation into the matter but have yet to receive a response. " XXXX XXXX XXXX responding saying that I went to XXXX XXXX XXXX to apply for a car loan. This is not true! I would like for XXXX XXXX XXXX to show my signed application on file to confirm that I indeed apply for credit and indeed did authorize an inquiry to my credit file.
Product: Credit card or prepaid card

We had many fraudulent charges on our discover card. We reported them and then received a letter saying they didnt suspect fraud. Because some of the charges were at places we shopped. I cant believe we are forced to pay for purchases we did not make. I filed a police report but they said to contact the credit card company which we did We are elderly and really didnt notice some of the fraud charges until months later. When we started looking we went back 5 months and found fraud. None of these charges were recognized by discover as fraud. What can we do
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX  was never late! I have had exceptional payment history with XXXX 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 in XX/XX/XXXX to XX/XX/XXXX and XX/XX/XXXX to XX/XX/XXXX to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX 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 or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, il XXXX I disputed with the company listed above that this account is fraudulent. i was told the account was verified and no proof was shown to me of how the account was verified.
Product: Credit reporting or other personal consumer reports

I am writing to express my concern and submit a complaint to DISCOVER BANK regarding the improper use of my credit report and the reporting of inaccurate information on my file. I previously sent a letter to your office requesting an investigation into certain unverifiable account. Despite your assurance of conducting a proper investigation, upon reviewing my credit report, I discovered that inaccurate information persists. The discrepancies include but are not limited to, the date opened, date of last activity, date reported, account status, and payment history. It is disheartening to note that such inaccuracies continue to be reflected in my credit report, despite the initial request for investigation. I believe this situation infringes upon my rights as outlined in 15 U.S.C 1681 section 602 A, which emphasizes my right to privacy. Additionally, 15 U.S.C 1681 section 604 A Section 2 stipulates that a consumer reporting agency can not furnish an account without my written instructions. I kindly request a thorough review of my case and the prompt correction of the inaccuracies in my credit report. Your cooperation in resolving this matter is highly appreciated. I trust that, as a reputable credit reporting agency, DISCOVER BANK will take the necessary steps to rectify this situation and ensure the accuracy of the information in my credit file. I have attached an FTC report with the report number XXXX to support this complaint.
Product: Credit card or prepaid card

Last month, XXXX XXXXXXXX XXXX XXXX reported : " ... Citigroup announced that it would issue refunds to some 1.75 million credit cardholders who had been charged interest rates that were too high. '' It was also reported that, " Citi said it had erred in how it calculated to reduce penalty rates for customers after they had demonstrated a track record of six months worth of on-time payments. This is mandated by the CARD Act, a piece of legislation introduced almost a decade ago aimed at protecting bank customers. '' Also reported, " 'While we believed our methodology was sound, a periodic internal review identified potential flaws in the methodology, ' a Citi spokeswoman said in a statement. 'We informed our regulators, revised our methodology going forward and conducted a comprehensive review of our process '. She added that the bank found no evidence of employee misconduct but that it 'should have identified these issues sooner. ' '' Ive been a Citi Diamond Preferred Card holder since XXXX. Ive NEVER missed a payment, usually pay more than the minimum due, and have a credit rating above 750. My interest rate : 29.99 %. ( I was told that my introductory interest rate had been increased years prior because I had made a cash advance.  ) I have REQUESTED and received interest rate reductions twice since XXXX. When I requested the reduction last year, I was told I would receive it for six months after which Id have to wait six months to request the reduction again.

I believe that CITI has a stated policy that the customer could receive a lower rate for six months, after which the customer has to wait six months to again request a lower rate. This is a bit different from what the Citi spokeswoman said in the newspaper article.
Product: Credit reporting or other personal consumer reports

Re : Dispute of Account Information XXXXXXXX XXXX  - Account Number XXXX Dear Sir/Madam, I am writing to follow up on a dispute I submitted regarding XXXX XXXX - Account XXXX XXXXI got results today XX/XX/year>, for my inquiry of XX/XX/year>. While you indicated that the account was updated, I have reviewed the updated report and found that it still reflects the same inaccuracies as before, similar to the report dated XX/XX/year>. 
The account continues to show major inaccuracies, including the incorrect reporting of income information and the continuous posting of charges every month. This inaccurate information falsely manipulates the statute of limitations, also the account shows a balance after the account has been charged off/ written off. 
Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681b ( b ), consumer reporting agencies are restricted in the type of information they can include on a credit report. The Act does not permit the inclusion of income information as part of a consumer 's credit file. The presence of this information on my credit report is therefore in violation of federal law.

Please remove this account due to the two major three ( 3 ) inaccuracies mentioned above. Additionally, please remove the incorrect income information and any other inaccuracies from my credit report to comply with the FCRA.

Enclosed, you will find copies of my previous correspondence and supporting documents for your reference. I trust that you will address this matter promptly and ensure that my credit report reflects accurate and fair information. 

Thank you for your immediate attention to this important matter. Please confirm receipt of this letter and notify me of the outcome of your investigation as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, XXXX XXXX XXXX XXXX. added a derogatory mark on my credit report per XXXX. Upon further research, this account was transferred/sold and I am no longer responsible for the account. Debt Creditor did not verify this collection. Also, there was no written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and says it's mine. According to the FCRA, XXXX XXXX XXXX XXXX. has violated my rights as a consumer and Im requesting legal action to remove this account immediately.
Product: Credit reporting or other personal consumer reports

I disagree with the account listed below which still appears on my credit report, even after your Investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my XXXX XXXX Account name XXXXXXXX XXXX Account number XXXX In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation.
Product: Money transfer, virtual currency, or money service

I have sent zelle deposit to phone numbers that was not currently active and the money was not retuned. Also sent deposit to the incorrect person due to similar XXXX name and was not informed who the legal/ registered account holder prior to sending the funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S. Code 1681- Congressional findings and statement of purpose There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

Wrong accounts : 1. US DEPT OF EDU XXXX XXXX.US DEPT OF EDU XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Wrong Inquiries : 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 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( A ) Reporting information with actual knowledge of errors 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, credit repair services, or other personal consumer reports

Experian has reported several credit card inquiries.Hard inquires that are all inaccurate and not true. I have tried to dispute this accounts and even placed a fraud alert on my credit account to stop unwanted inquiries but the company has still allowed the inquiries to occur. Experian has also allowed addresses and a variation of personal names on my credit report that is incorrect. I have sent certified mail confirmation on XXXX of my correct address and name and they are still violating my rights according to the FCRA FAIR CREDIT REPORTING ACT/REGULATION V Section 623 of the FCRA and Regulation V generally provide that a furnisher must not furnish inaccurate consumer information to a CRA, and that furnishers must investigate a consumers dispute that the furnished information is inaccurate or incomplete.
Product: Checking or savings account

I signed up for a BBVA Clearconnect Checking account for a {$200.00} cash bonus. The terms stated : Within sixty ( 60 ) days of account opening, at least one electronic direct deposit from an unrelated 3rd party ( e.g. your employer or a government agency ) in the amount of at least {$300.00} must post to the new checking account.

The {$200.00} cash bonus will be deposited into the new checking account within 60 days of meeting the bonus requirements described above. The account must be open with a positive balance at the time the bonus is deposited.

My account timeline : XX/XX/XXXX : Applied for account XX/XX/XXXX : Deposit was processed to account XX/XX/XXXX : Account was approved XX/XX/XXXX : Initial {$25.00} deposit appeared in account XX/XX/XXXX : {$300.00} Direct deposit from my employer was deposited in account ( 60 days from XX/XX/XXXX would be XX/XX/XXXX) XX/XX/XXXX : I sent a secure message online inquiring about status of the bonus XX/XX/XXXX : Receive response from XXXX  apologizing for the delay, reconfirming the bonus requirements, and now stating it takes 90 days from meeting the bonus requirements.

XX/XX/XXXX: I sent a secure message online XX/XX/XXXX: I again receive a similar response with the bonus requirements, apologizing for the delay, with a case ticket number XXXX  asking me to allow 24-48 hours for a follow-up reply. This message also states that it will only take 60 days from meeting bonus requirements for bonus deposit.

XX/XX/XXXX : I send a follow up since there was no reply after a week.

XX/XX/XXXX: I receive a reply from XXXX  apologizing, claiming a high volume of emails causing a delay in response time, and if I would like to talk to the bank to please call them.
Product: Mortgage

I was trying to remove ex wife from title and they told you to apply for a modification and I was told in order to qualify you will need to stop making payments.   The application process halted because they were requesting income documents from my ex wife. I did not receive written or verbal communication that there were missing documents from your submission and they did not advise of this until you called in to check the status. I was later told they did not contact you because of your ex wife 's bankruptcy. I did not have a bankruptcy and they should be in contact with me, they agreed and updated the system.   I was then told by a different representative a month after my documents were sent that a modification would not remove her from the note and to do an assumption and requested paperwork and you sent in.   They then said weeks later I can not do an assumption because your past due, which was their original instruction. They said they will continue with modification to bring me current, and requested documents I had already submitted. When you advised this my account  manager  had you send directly to her and said had to be that day because foreclosure sale is scheduled for  XXXX .     I was not provided written notice when they initiated the foreclosure process ( due to ex wife bankruptcy ) I was not provided written notice when a sale date was scheduled ( due to ex wife bankrupt cy ) Thi s all started in the middle of  XXXX , they received all documents from me  XXXX / XXXX /  XXXX   but then continually asked for more documents.
Product: Debt collection

On XX/XX/XXXX I received a letter in the mail from SWRS regarding a matter that came to their office. On XX/XX/XXXX I received my first email from SWRS, I then received another email on XX/XX/XXXX stating my account was eligible for credit reporting. On XX/XX/XXXX I responded requesting documentation and proof of debt and requested for them not to contact me until I received documentation. 
I never received any response to my dispute or the proof of debt I was requesting. 
Today XX/XX/XXXX, I received FOUR separate emails from 2 of their staff members stating this has been credit reported! All at the same time. One from a XXXX XXXX and 3 from a XXXX XXXX.
Product: Mortgage

There are two companies involved in the debacle of my mortgage origination : XXXX XXXX and Guaranteed Rate mortgage. I was refinancing my mortgage and when I originally applied I had about {$120000.00} left on the mortgage. Their good faith estimate said it would be {$130000.00} rolling in all costs to account for anything that might creep up during closing. When we got closer to closing it became clear that the XXXX was more than {$3000.00}. Because we were at the end of the process they did not want to send the mortgage back to underwriting. Rather they said they would give me a credit at closing of {$1000.00} and a principal reduction that should have reduced my mortgage to {$130000.00}. I have been going back and forth with the mortgage company. They acknowledge it is an issue. I happen to be good at math and kept correcting mistakes in their paperwork. I wonder if people that were not as good at math would have found this. When I received the login to the website three weeks ago it says I owe {$130000.00}. It is unreal how much follow up I've had to do to correct this. The mortgage company says it was a mistake by the title company. The title company is owned by the CEO of the mortgage company.
Product: Credit card

When I applied for the Amex blue cash everyday credit card in the second week of XXXX, there was an incentive attached to applying for this card ( online ). The incentive states that if you apply for this card by clicking the link provided that you will recieve 10 % back at U.S resteraunts on the card within the first 6 months of card membership, up to {$200.00} back in statement credits PLUS earn {$150.00} back after you spend {$500.00} in purchases on the card within the first 3 months of card membership. I called AMEX in the beginning of XXXX inquiring about the {$150.00} statement credit in which I have spent well over {$1000.00} within the first month or so of membership with this card and payments in good standing, for a rep to tell me that it usually takes 6-8 weeks. I recently called again last week because that time frame is approaching only to be told that there are no offers attached to my card? This promotion is currently still running and appears frequently while I am online surfing the internet. It appears even if you navigate to the American Express Website as well. This offer was one of the main reasons that I applied for membership with Amex.
Product: Bank account or service

On XXXX XXXX, XXXX, I deposited my payroll check ( a there-to-fore common practice ) in my Wells Fargo checking account and received a deposit receipt ( copy attached ) which stated that the deposit would be credited on XXXX XXXX. On XXXX XXXX, I received a letter from Wells Fargo ( copy attached ) which said that the funds had been placed on hold and would be credited on XXXX XXXX, XXXX. Luckily I had not drawn on those funds. I called Wells Fargo customer service and was told that the letter had been sent in error and my account reflected the credit on XXXX XXXX, XXXX. On XXXX XXXX, XXXX, I deposited my payroll check ( copy of deposit receipt attached ) and was told specifically that there would be no hold placed on the check and my deposit would credit on XXXX XXXX, XXXX. On XXXX XXXX, XXXX, I accessed my online banking portal and discovered that a hold had been placed on the funds and that the deposit would not be credited until XXXX XXXX, XXXX. I again contacted customer service and was told that the hold was a result of " risk '' with no further explanation. I went to my branch office and requested an explanation. They contacted " loss prevention '' and all they could tell me was that a " general '' hold had been placed on the deposit. I asked for a written explanation of the hold and its ' reasoning. I was told that Wells Fargo does not provide written explanations. I asked specifically if they were denying my request for a written explanation and they responded " yes ''. I should note that the account on which the check ( s ) were drawn was also a Wells Fargo account and that that account was at the same branch as my account. I believe that both of these holds are in violation of Regulation " C '' for duration, failure to inform at time of deposit, and failure to provide explanation and reasoning for the hold ( s ). I believe that Regulation " C '' has specific sanctions defined when a violation ( s ) occurs. An appropriate sanction, in my opinion, is that the institution be required to match the funds which are held in violation of the regulation. It seems that Wells Fargo is attempting to replace income from opening illegal accounts to causing overdraft fees by, without informing the customer, in fact misleading the customer, as to when funds will be credited. I should also note that following the XXXX XXXX deposit and XXXX XXXX letter all evidence of the hold action had been removed from my account history and my monthly statement and online account information reflect the deposit credit on XXXX XXXX, XXXX as if no hold had been placed in the first place. I assume Wells Fargo will " cover their tracks '' on this new hold as well.
Product: Credit reporting or other personal consumer reports

in accordance with the fair credit reporting act. Pursuant to 18 USC 8. the list of account below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681b 2 Account name : XXXX, # XXXX Account name : XXXX XXXX XXXX  # XXXX Account name : XXXX  # XXXX Account name : XXXX XXXX  # XXXX Account name : XXXX XXXX XXXX # XXXX Account name XXXX XXXXXXXX XXXX XXXX XXXX # XXXX 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.

15U.S.C 1681c. ( a ) ( 5 ) Section State : no consumer reporting agency may make any consumer report containing any of the following items of information anu 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

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

In accordance with the fair credit reporting act convergent account 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 an account without my written instructions Inquires : 1 XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX TransUnion XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion 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 TransUnion XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX