23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

US Bank is still reporting me as having made late payments in XXXX and XX/XX/2018. I lived in XXXX XXXX at the time when wildfires cut off cell phone and internet access. Also, US Bank at that time did not allow me to make automatic payments from my account. I respectfully request that they remove these reports of delinquent payments as they were caused by a wide scale natural disaster.
Product: Credit reporting or other personal consumer reports

Months ago, I have sent a letter to the three credit bureaus asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXXXXXX Balance : {$640.00}
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XX/XX/XXXX Amount : {$420.00} XXXX XXXX  : XXXX XXXX XX/XX/XXXX Amount : {$170.00} XXXX XX/XX/XXXX Amount : {$220.00} XXXX XX/XX/XXXX Amount : {$14000.00} XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Amount : {$17000.00} I have reached out to get these accounts resolved and had no success. I asked to provide validation of debt and late payments. I also been a victim of fraud and tried to dispute matters still nothing has been done. This was my last resort to get remedy for my claims.
Product: Credit card or prepaid card

I was late on paying my statement balance for XXXX XXXX by 3 days. Payment of {$1800.00} was due on XX/XX/XXXX but I made payment on XX/XX/XXXX. I also made full statement balance payment of XXXX for XXXX Statement before XX/XX/XXXX due date. 

Today I got charged {$25.00} as interest charge even though I am paying full statement balance every month, when I reached out to Chase credit card customer service I was told that this charge is residual interest for the the time I was late on my payment ( explained above ). I verified with the chat person that this charge is not for the three days I was late by but the " balance '' gets carried forward to next month and that even though I made full statement balance I was charged interest on it. 

I believe this practice is not right. I should be charged " residual interest '' for the 3 days I was late by but not the entire month. Please take a look at this. I can provide statements if needed.
Product: Credit reporting or other personal consumer reports

inaccurate reporting to consumer report and violation of privacy. I've reached out to the company in regards to all the violation they're doing in regards to my rights listed below. I'v sent notice XXXX, PRIVACY ACT OF 1974 15 USC 1681 15 USC 6508 15 USC 6802 15 USC 6805 16 CFR 313.7 16 CFR 433.2 15 USC 1681 eb 15 USC 1681 i7 I HAVE NO CONTRACT WITH XXXXXXXX XXXX XXXXXXXX ACCT XXXX XXXX AND THEIR IN VIOLATION OF 5 USC 552a
Product: Checking or savings account

In XX/XX/2019 US Bank was running a promotion : A bonus of {$300.00} when you open a newchecking account and receive recurring direct deposits of two or more that total {$2000.00} or more within 60 days of account opening. 

On XX/XX/XXXX I opened US bank checking account and met promotion requirements shortly afterwards. However, I did not receive {$300.00} bonus. I contacted US bank customer service several times regarding this issue, but no one was able to resolve it.
Product: Money transfer, virtual currency, or money service

I have a problem with XXXX  it is not giving me enough warnings to make sure that I am sending it to the right person. I have the same problem with both my XXXX and Wells Fargo accounts. I dont trust them at all. It is scary and they said if you send money thats it there is no way to get it back if you sent to the wrong person nothing
Product: Credit reporting, credit repair services, or other personal consumer reports

Months ago, I have sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. I hope the following items will be corrected ASAP. Thank you. 
XXXXXXXX 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 or other personal consumer reports

Subject : Unauthorized Credit Reporting and Demand for Resolution - Reference to Federal and California Laws Dear JPMCB CARD, I am writing to address a serious violation of my rights regarding the unauthorized reporting of information to my credit report. This action is in direct violation of the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), and the California Consumer Credit Reporting Agencies Act under Sections 1785.10 and 1785.30.

It has come to my attention that JPMCB CARD has engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal and California law, as outlined in the FCRA and the California Consumer Credit Reporting Agencies Act, respectively, explicitly mandate that the consent of the consumer is a non-negotiable requirement for such reporting activities.

I assert with unwavering certainty that I have not provided consent for JPMCB CARD to report any information to my credit report. This undeniable lack of explicit permission constitutes a blatant violation of my rights, resulting in potential damage to my creditworthiness and an unequivocal disregard for federal and state laws.

I demand, with the utmost certainty, that JPMCB CARD immediately cease any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and Sections 1785.10 and 1785.30 of the California Consumer Credit Reporting Agencies Act. Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including identity fraud laws.

I anticipate your immediate attention to this matter and expect that JPMCB CARD will promptly rectify these egregious violations, respecting my rights under federal and state laws.

Done in good faith.
Product: Credit reporting or other personal consumer reports

I bought the car from a dealer not realizing the car was going to be a lemon and had problems with it 2 weeks later and the car has been in the shop for 5 months out of 11 months and it is saying i am not paying but I am paying less cause I am trying to get the car on the road.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with fair credit reporting act XXXX reference number 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 instruct.ion
Product: Credit reporting

XXXX/XXXX/16 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian 's mailing address for dispute requests is : XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Account Number Num : XXXX Balance {$500.00} Dear Sir or Madam, I am writing in regards Null Medical account on my credit report. On XXXX/XXXX/16 I have file a complain to the CFPB I sent a letter explaining that I do not believe I owe what you say I owe and, in accordance with the Fair Debt Collection Practices Act, 15 USC 1692g, Section 809 ( b ) : Validating Debts : ( b ) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. 
I must remind you that in my previous letter I requested the following information : ( 1 ) The amount of the debt ; ( 2 ) The name of the creditor to whom the debt is owed ; ( 3 ) Provide a verification or copy of any judgment ( if applicable ) ; ( 4 ) Proof that you are licensed to collect debts in ( insert name of your state ) ( 5 ) Provide the actual Bills Statements ( 6 ) Payment Receive I also requested that if you have reported me to any credit reporting agency, that you inform them that I have placed this debt in dispute and to provide me with proof that you have done so. Furthermore, I asked that you immediately send a copy of that dispute letter to the company ( creditor ) that you say I owe money so they are also aware of my dispute with this debt. 
As of today, you have failed to respond to my requests! For your convenience, I have included a copy of my previous letter and a copy of the mail receipt showing that you received my letter on { insert date from mail receipt }. 
Since you have failed to respond I assume that you have been unable to validate the debt and therefore, I consider this matter closed. You may consider this letter your official notification that I do not intend to correspond with you on this matter again unless you comply with my requests, the FDCPA and the FCRA. 

I must remind you that any attempt to collect this debt without validating it, violates the FDCPA and that I am recording all phone calls and keeping all correspondence concerning this matter. Be advised that I will not hesitate to report violations of the law to my State Attorney General, the Federal Trade Commission and the national XXXX. 

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

I have submitted a previous complaint about Equifax reporting fraud accounts in case XXXX. After receiving the police report along with an identity theft report they are still reporting US DEPT. OF EDUCATION {$1000.00} & XXXX XXXX {$13000.00}. I have explained time and time again these are not my accounts please delete.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am contacting you on behalf of my XXXX so XXXX XXXX XXXX. I keep receiving bills and calls from creditors saying that my sons owes money when I know this isn't true as my son is only XXXXyrs old  and has XXXX. His father was deported for stealing his identity as well as mine and others. Please make these companies remove my sons name from there agencies. My ex husband is taking over my identity as well as my sons I have been reporting him since 2011. My son shouldn't have anything in his name he is a child and he is XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to XXXX, XXXX, and Transunion on providing proof of the verification of my bankruptcy and have not been provided anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently looked at my credit report and found that the credit bureau consistently reports accounts with inaccurate information. The Fair Credit Reporting Act has clearly been violated in this case. I've already spoken with them about this matter, but I haven't heard back from them to this point. Please correct this immediately. 
XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$3200.00} XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX  ) XXXX Balance : {$4200.00} XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}
Product: Student loan

I have been working with XXXX XXXX XXXX since the end of XXXX to get an affordable payment. I have called at least a dozen times. I have filled out multiple applications and submitted pay stubs multiple times because every time I call I am given a different answer. I still do not have an affordable payment and it is now the end of XXXX with a payment due XX/XX/XXXX. When I asked for a report of all the times Ive called and responses Ive received I was told that is internal information. So there is zero accountability on their part for the fact that it has taken them two months and they have not helped me at all. There is zero accountability for their mistakes but I am expected to make my payment which I cant afford. Today I finally spoke with a woman that partially fixed the problem. But it is simply due to the fact that I was lucky enough to get her on the phone which makes me question what they were doing for the past two months when they told me they were submitting applications. I feel that they do not handle things properly which is worrisome considering the amount of debt that they manage. I am frustrated that they are my only option for repairing these loans. I simply want to be able to afford my payment and make said payment. Not use forebearance time as they have suggested did to me when they dont know what to do. I have never felt so powerless and I feel that it is criminal that they have no accountability and that they dont need to answer to me the customer when they dont do their job. I think that I am well within reason to ask for that breakdown of what they have been doing for the past two months when Ive called. Ive spent countless hours on the phone with them figuring this out. Ive done my job. I feel that they and the department of education are criminals for the way that they handle these things. I have never felt so powerless and I feel that it is criminal that they have no accountability and that they dont need to answer to anyone when they dont do their job. I think that I am well within reason to ask for that breakdown of what they have been doing for the past two months when Ive called. Ive spent countless hours on the phone with them figuring this out. Ive done my job. I feel that they and the department of education are criminals for the way that they handle these things Something must be done.
Product: Mortgage

My mortgage was transferred from XXXX to Nationstar about 3 - 4 months ago. I have been trying to close on my coop for about 2 months. My attorney has been requesting for over a month to have Nationstar attorney bring original stock / lease certificates so we can schedule a closing date. Nationstar does not respond to my attorney request. When i call Nationstar they keep telling me i have to pay my mortgage first, then they will release the stock / lease certificates to my attorney. I am about to lose my buyer due to their negligence.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX ... XXXX XXXX XXXX XXXX ... XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Product: Credit reporting or other personal consumer reports

Sending several times of multiple letters, unverified accounts listed below are still reporting on my credit report in violation of federal law. The Credit Bureau failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these negative accounts remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the accounts that are still showing on my report. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I was appointed guardian for a Chase Bank customer on XX/XX/XXXX and have been trying to access funds since that date. Chase Bank did not process my request in a timely manner and my temporary Letters of Guardian expired. When updated Letters were issued by the Court, I again attempted several times to access funds through bank appointments and repeated phone calls. I was told I would receive calls to let me know when I could close the account and never received any calls. Chase Bank assured me that I would be able to close the account, which has been vulnerable to exploitation prior to my appointment. My ward 's nursing home is now THREATENING EVICTION due to nonpayment. I have attempted to explain the urgency of the situation to Chase Bank and have had no response or assistance. When I requested to speak with the branch manager, XXXX XXXX, I was told he was in a meeting. I was not offered a call back from the manager. 
A banking appointment was granted by Chase Bank for today, XX/XX/, but was cancelled this morning without explanation. My Letters of Guardian are set to expire again on Monday, XX/XX/. I will have to wait another week for the Court to issue updated Letters and then another week for Chase Bank to set an appointment, then attempt the whole process for the third time. I was told that there was only one person who could assist me and they were on vacation. No other options for assistance was offered. 
I have now been attempting to access funds for THREE MONTHS. I have been ordered by the Court to act as Guardian and Chase Bank is withholding necessary funds to pay for my ward 's living expenses. I am unable to purchase clothing, toiletries or other comfort items for my ward  and she should not have to wait this long. Chase Bank should help it's most vulnerable customers.
Product: Credit reporting, credit repair services, or other personal consumer reports

On my credit report, I have been disputing fraudulent items. The things are neither removed from my report nor do they appear to be under dispute. My credit score has been impacted by these fake things because the bureaus appear to be ignoring the pattern. If the things claim to be mine, I have asked that an investigation be opened and that verifiable documentation be provided. ENOUGH is ENOUGH for me! How much documentation is necessary to actually get someone to do something? ASK TO VIEW THE ATTACHMENTS! NOT IN XXXX XXXX, THIS! I've provided the documentation you requested. ANOTHER TIME, AGAIN, AND AGAIN! This is my final resort before I discuss this with my attorneys and file a lawsuit to recover all damages and money due. Please eliminate it right away. 
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: Mortgage

I usually make payment my self and never been late on payments. 
This year my wife is not working and XXXX was close, I have XXXX kids and trying to make happy every one on this XXXX. 
Month of XX/XX/2018 was last day to make the payment and I very busy at work till XXXX : XXXX   and got my paycheck. 
I submitted my payment on last day after XXXX : XXXX .They are saying you made this payment after work hrs.
Product: Credit reporting, credit repair services, or other personal consumer reports

WRONG SSN Experian : XXXX & XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX. 

( XXXX ) XXXX ( XXXX XXXX XXXX. 
XXXX XXXX XXXX  XXXX Collection account. {$920.00} past due as of XX/XX/XXXX. 
Date Opened XX/XX/XXXX XXXX XXXX 

XXXX XXXX  XXXX Account charged off. {$270.00} written off. {$610.00} past due as of XX/XX/XXXX. 
Date Opened XX/XX/XXXX. 
XXXX XXXX XXXX {$1600.00}. 

XXXX XXXXN XXXX {$1200.00} Account Status120+ DAYS PAST DUE. 

XXXX XXXX XXXX {$6000.00} Account Status120+ DAYS PAST DUE. 

XXXX XXXX XXXXXXXX {$3500.00} Account Status120+ DAYS PAST DUE. 

Inquiries XX/XX/XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, VA XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX XXXX Account Balance has been actively under dispute since XX/XX/XXXX and is the subject of a CFPB investigation, TransUnion was notified on XXXX with documentation to demonstrate dispute status however continue to report late payment status affecting my credit score.
Product: Credit reporting or other personal consumer reports

I am filing this complaint with the Consumer Financial Protection Bureau ( XXXX  ) regarding Equifax 's failure to accurately report my personal information. My correct legal name is XXXX XXXX XXXX XXXX, yet Equifax has incorrectly listed a name variation as XXXX XXXX XXXX. I request that Equifax update its records to reflect my full and accurate name as shown on my proof of identity. 

Additionally, my correct address is XXXX XXXX XXXX, XXXX, NJ XXXX, but Equifax has incorrectly added XXXX XXXX to my address. I request that Equifax remove XXXX XXXX and ensure my address appears exactly as it does on my drivers license and utility bill, which serve as proof of my residence. I want also to update my Employer information as XXXX XXXX XXXX XXXX. 

XXXX failure to maintain the maximum possible accuracy in my credit report violates the Fair Credit Reporting Act ( XXXX  ) under XXXX XXXX. XXXX ( b ). I expect Equifax to comply with this requirement and update my report accordingly.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax refuses to remove fraudulent and inaccurate information off my credit report. I have filed several disputes to no avail. They are in violation of the FCRA.