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

A year ago we used a balance transfer to XXXX XXXX ( XXXX XXXX  ) credit card for {$5000.00} then in XXXX we used another one for {$4700.00}. All year they have been deducting almost all of the {$300.00} payment we have been sending to the newest balance transfer instead of the older one which expires sooner. We have used balance transfers for years using other credit card companies and the biggest part of the payment always goes to the oldest balance transfer amount. Now that the year for the 0 % interest is almost over we still owe {$3800.00} on it. Only {$39.00} of the {$300.00} we sent each month went to that one. We have tried calling and they do nothing but send us a form that has nothing to do with our problem. Even the supervisor we spoke to said she always thought the payments go to the older balance transfer but yet she has no authority to change the way the payments were applied. We can't get them to understand that what they are doing is fraudulent because there is no possible way to pay off the amount within the 12 months offered interest free since they keep putting our payments on the newer one. This is obvious a ploy of this bank to get the finance charges one way or another and is not fair to the consumer
Product: Debt collection

XXXX XXXX, XXXX placed negative item on my credit report without notifying me, which is a clear vilation of the early-warning notice clause of FACTA section 623 ( A ) ( 7 ). This law requires all creditors and collectors to notify me by mail before placing negative items on my credit report. Request XXXX XXXX, XXXX to remove incorrect information off my credit report. More importantly, XXXX XXXX, XXXX are in violation of FACTA section 623 ( A ) ( 7 ).
Product: Credit reporting or other personal consumer reports

I recently tried to receive my credit reports from annual credit reports.com and on multiple occasions i was denied by Trans Union and XXXX. I tried again XXXX and i continue to be denied access to my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute with the credit bureau because the debt being reported is old and statute of limitations has run out. However the creditor has changed the dates to make it look newer. But when I disputed it the credit bureau didnt change anything and said the debt was valid.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, my name is XXXX XXXX, and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. 
Based on, 15 U.S. Code 1681c2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. 
It has been XXXX  days and you are in XXXX of this law because I am a victim of identity theft!! Please delete these items as soon as possible! 
Fraudulent/Negative Accounts : 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 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
Product: Debt collection

A few weeks ago, I initiated a letter to verify debt from Jefferson account number XXXX for XXXX dollars and account number XXXX for XXXX dollars. It appears that account incurred on XX/XX/year>. My initial contact was by phone and have not been able to verify or resolve, My second attempt was letter to verify information and request written communication based on Fair Debt collection Practices Act ( FDCPA ) 1692g and have yet to receive a response. XXXX and XXXX have left message representing as an attorney to collect a debt that yet to be verified. I'm currently seeking to have this debt removed from my credit report immediately due to no response and unverifiable debt according to Fair Debt collection Practices Act ( FDCPA ) 1692g, I thank you for your immediate attention to this matter. 

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

I have not receive a response from the bureaus. It has been over 45 days. To my knowledge I know they have 30 days to investigate or they must delete the items from my credit report. This is outrageous!
Product: Credit reporting, credit repair services, or other personal consumer reports

There was a computer glitch that was with Transunion that caused my inquiries to be deleted. TransUnion later added them all back onto my credit report without giving me the legally required written notice 5 days prior to them re-adding them.I 've contacted TransUnion in good faith to ask them to delete the inquiries that they had illegally re-added. These inquiries add a hardship and that my rights were violated by TransUnion. Could you help make TransUnion stop victimizing me. Can I please have a resolution that all of my TransUnion inquiries be deleted permanently from your report as a violation took place when they were illegally added.
Product: Credit reporting or other personal consumer reports

I am writing to formally lodge a complaint regarding the violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ), Gramm-Leach-Bliley Act ( GLBA ), Privacy Act of 1974, and the Equal Credit Opportunity Act ( ECOA ). I have discovered an inaccurate, unverifiable, and unauthorized inquiry on my credit report, which is in direct violation of these federal protections. 
Specifically, this unauthorized inquiry violates the following statutes : 15 U.S.C. 1681b ( Permissible Purposes of Consumer Reports ) 15 U.S.C. 1681c ( Requirements Relating to Information Contained in Consumer Reports ) 15 U.S.C. 1681c-2 ( Blocking of Information Resulting from Identity Theft ) The presence of this inquiry on my credit report is not only unauthorized but also unverifiable, as it lacks any legitimate basis for its appearance. This inaccurate information severely impacts my creditworthiness and reputation as a federally protected consumer. 
Efforts to Resolve I have reached out to all three major credit bureausXXXX  Experian, and XXXX regarding this matter. Despite my efforts, which include providing detailed information and requesting the removal of this unauthorized inquiry, my concerns have been ignored. The lack of response from these credit bureaus is unacceptable and exacerbates the harm caused by this inaccurate reporting. 

Impact on Creditworthiness As a result of this violation, my creditworthiness has been unfairly and negatively impacted. The presence of unauthorized inquiries can lower my credit score, thereby affecting my ability to obtain credit on favorable terms. This is a direct infringement on my rights under federal law, and it must be rectified immediately.

Request for Action I am requesting that the CFPB take immediate action to investigate this matter. The unauthorized and unverifiable inquiry must be removed from my credit report, and the responsible parties must be held accountable for this violation of my consumer rights.

Additionally, I request that the CFPB ensures that the credit bureaus respond to my inquiries and correct my credit report to accurately reflect my credit history without the unauthorized inquiry.

As a consumer, I rely on the protections afforded to me by federal law to ensure that my credit information is accurate and secure. The violations in this case are serious and have caused undue harm to my financial standing. I trust that the CFPB will take the necessary steps to address this issue and uphold my rights. 
Thank you for your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

My account with XXXXXXXX XXXX XXXX XXXX  XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on XXXX. 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/year>, XX/XX/year> and XX/XX/year> 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 XXXXXXXX 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

This isn't denying the debt debt but to report that XXXX XXXX XXXX is reporting inaccurate and inconsistent information across all three credit bureaus which all information being reported to the credit bureaus must be 100 % accurate. Numerous violations are in place and even though XXXX XXXX XXXX is not a debt collector per the FCRA all information being reported must be 100 % accurate which is a fine of {$1000.00} per violation. XXXX and XXXX  reports a high balance of {$16000.00} while reporting {$12000.00} on Equifax. This inconsistent reporting is hurting my credit score and even causing me to get higher loan rates by having a higher debt ratio on my report by when loan officers compare my income to debt ratio it'll look higher at {$16000.00} vs if it's indeed {$12000.00}. This reporting also has caused me to get denied job opportunities by XXXXPD and others by having inconsistent information on this account and having charge off payments being reported when it's not supposed to once the account is closed no late payments are suppose to be reported per the FCRA. The Date Of Last Activity for XXXX shows XX/XX/XXXX while Equifax shows XX/XX/XXXX and XXXX  showing XXXX. This account on XXXX  and XXXX  shows a later date of last activity which is inconsistent with all three bureaus and is in violation with the FCRA by the accounts would be ILLEGALLY re-aged on how long they would stay on the report. If all three credit bureaus are getting their information from the same creditor how is it that they're all reporting inconsistent information. Equifax shows this account was an auto loan when in fact it's an Lease as shown with XXXX  and XXXX, The payment history across XXXX and Equifax are both inconsistent and shall show with the attachment highlighted. 




I've disputed this account previously back on XX/XX/XXXX and the creditor bureaus and XXXX did not update the date last date Verified which is a violation with the FCRA by which they're suppose to update the account each time when the file is disputed.
Product: Credit card

In XX/XX/year>2024, despite my account being closed during this time, an unauthorized charge for {$2600.00} was posted to my XXXX Home account.On XXXX XXXX, 2024, XXXX approved my fraud claim I had submitted for that same amount. Prior to the unauthorized charge, my balance was {$0.00}. To this day, they are trying to charge me {$2600.00}. As of today, my balance is {$2300.00}. I should not have this balance and I have documentation to prove it. I will be taking them to court. XXXX is ridiculous.
Product: Checking or savings account

I received a grant from the XXXX XXXX XXXX for the Covid-19 Disaster Relief on XX/XX/XXXX. I went into the Chase Bank in XXXX, CA and asked to withdraw some of my funds. I feel the teller discriminated against me because I am XXXX XXXX. The teller called someone for verification, called management, said needed to get more bills, and whatever else she could do to stalled completing the transaction for over 15 minutes. From my knowledge I do not have a daily withdrawal amount so I'm not sure why this transaction would be any different. I don't know why this teller chose to harassed me besides that I'm XXXX XXXX. I have been banking with JP Morgan Chase for over 5 plus years. I've never had an issue with banking here. The following day XX/XX/XXXX I was told Chase was going to close my account and send the grant back to XXXX along with another pending transaction.
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital One, XXXX Capital One, XXXX, VA, XXXX, XXXX Capital One, Credit Dispute Department, XXXX XXXX XXXX, XXXX XXXX XXXX, UT, XXXX Ive contacted this company numerous times for reporting inquires to the credit bureau that I did not authorize and that they are unable to find an application for. The date of the inquiry is shown in my reports is XX/XX/2023 @ XXXX EST. The company said that they do not have any of my information on file & would fix the discrepancy within 30 days. It has been well over of 60 days and the inquiries that I did not authorize or apply for are still appearing on my credit reports. Dates of Contact : XX/XX/2023, XX/XX/2023, XX/XX/2023 - Person/Agent of initial Contact is XXXX at the Nevada Office XXXX XXXX XXXX XXXXThere has not been anyone that is able to find an account or application with my information yet the Capital One continues to have a negative impact on my XXXX Credit Report XXXX I have called XXXX & have yet to have the issue resolved. This inquiry is causing a hinderance and hardship to myself & my credit.
Product: Debt collection

On XX/XX/year> I submitted a CFPB complaint. On XX/XX/XXXX, the company responded but provided general information and did not accurately verify the debt. I have requested a complete verification of debt and purchase agreement for such account and EVERYTHING requested in the letter below so I may review is this account belongs to me.
Product: Checking or savings account

Opened my account XX/XX/2021, Ive never been overdrawn and I always contact customer service when I need to. I received XXXX in direct deposit and around XX/XX/XXXX I was calling everyday for My card getting declined at the store even tho my pin was used. I received another XXXX in direct Deposit and I went to atm and couldnt get money out. I contacted live chat they said to call fraud department I called The number they gave me I verified my identity and they said they couldnt do anything about it that the specialist team would reach out. My account has been frozen no debit status since XX/XX/2021 Ive contacted live support and called fraud department every day since then, all they keep saying is my account is under review and wait 24 hours and contact them 24 hours later and still nothing. Ive filed 3 complaints with the live support customer service and I still havent been updated on my account status And my account is still frozen. Ive only had this bank a few months and Ive had so many problems. Ive even faxed over my verification of funds and verification of identity.
Product: Credit reporting or other personal consumer reports

The following items continue to be reported on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these items must be verified ( A ). I will bring legal action against you if you do not verify these items. To help this situation be settled as quickly as possible, kindly uphold the law. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2023.
Product: Credit reporting

Because of their " twisted '' voice recognition system, it is almost impossible to get credit score from either credit reporting agency, unless you willing to pay for a credit report. I ordered free annual credit report from " Transunion '' and it is lucking credit score numbers. As our credit system heavily dependent on that numbers it makes me " easy target '' to " rip off ''. And its seams logical to me to have that numbers on the report. I was not able to go trough their system to get my credit score. 

Please investigate and enforce reporting agencies to include credit score numbers in the report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I 'm wanting to refinance my home but to do so I was told I need to raise my credit score. The last week of XXXX I paid down my credit debt over {$6800.00}, more than what was advised. 
Have through 4 weekly updates and 1 monthly update with no change with the exception of one credit inquiry which immediately dropped my score 2 points.
Equifax is reporting bureau and I have tried contacting them with little success. I keep getting told that I need to look at my account to see when it 's scheduled to update. An as I mentioned already I 've been through several with no reflection of my updated credit information. Example I paid off one credit card completely and it still showed after over a month approximately {$5400.00} on the card.
Product: Checking or savings account

On XX/XX/22 XXXX XXXX  transactions were made of {$200.00} and {$300.00} to ( XXXX ) XXXX. The scammer artist took a total of {$500.00} from my account impersonating a relative in need of help.
Product: Credit reporting or other personal consumer reports

I applied for a auto loan with XXXX XXXX got approved. Purchase my vehicle to later find on my credit report companies that were not authorized to use my name or social security number at any point. These inquires where done over 9 to 10 times in a two day spand according to my reports. This is inaccurate reporting in my credit report and im pacting toward my credit score. My score was good when I bought my car and put down XXXX I didn't authorized no other financial company other than XXXX. This needs to be fixed plese.
Product: Mortgage

Filed XXXX PRO-SE, keeping home submitted modification mulitple times, received an approval on XX/XX/2024, on XX/XX/2024 at XXXX talked to a wellsfargo rep, said was not going to approve mod, wouldnt let me make a payment. Resubmitted mod and said denied!!!!!!!!!!!!! SEE PROOF
Product: Mortgage

the company cashed my post dated checks. which i have been doing for 3 years. the company was greentree and was bought out by ditech..ditech cashed all XXXX checks which were dated for XX/XX/XXXX. this caused me to now owe my bank XXXX in overdraft fees. which they will not cover. i an on direct deposit for XXXX and the bank is going to keep all my money. this company ( ditech ) has put me into a financial crisis
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 I sent a letter regarding inaccurate and unknown inquiries on my credit report. On this day, 40 days later Ive yet to receive a response. I feel that Im being ignored and taken advantage of in regard to the lack of care being given to my concerns. Section 611 ( a ) states that a failure to investigate these items of my dispute within 30 days, gives a reason to immediately remove them from my credit report. It has been over 30 days so they should be deleted promptly. I demand that this inquiry be deleted immediately or my next course of action is to file for litigation, due to the stress this situation has caused me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir/Madam, I am writing to dispute false information that has been reported on my credit report. Specifically, I am referring to accounts that were given to my ex-husband in a divorce proceeding in 2016, despite the fact that these accounts are over seven years delinquent. Despite repeated requests, Experian has refused to remove these accounts from my credit report, causing significant damage to my credit score. 

Furthermore, I have reason to believe that my former spouse has intentionally reported me as deceased in order to take advantage of my good credit standing and score. This has led to my credit applications being denied, as I have been reported as deceased by my former spouse. This information is not only false, but it is also creating significant XXXX  and negatively impacting my life in various ways. 

I have made several attempts to contact Experian and other relevant parties, but unfortunately, these attempts have been unsuccessful for over seven years. I believe that the continued presence of these false accounts on my credit report and the intentional misreporting of my status as deceased by my former spouse is unjust and causing me significant hardship. 

Therefore, I request that Experian immediately remove the false accounts and any other erroneous information from my credit report. I also request that you investigate the intentional misreporting of my status as deceased by my former spouse, and take appropriate action to rectify this situation. 

I appreciate your attention to this matter, and I look forward to your prompt response. 

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

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : INQUIRY : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you