23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

My personal ID information was leaked in a major security breach from my employer several years ago. Since then, I have frozen all of my credit lines. But several " XXXX XXXX companies can apparently open accounts without either confirming ID or checking your credit. I have had to close XXXX and XXXX accounts that were opened in my name and had cards sent to me. 

The current situation is with a company called NetSpend. I received a card in the mail that I did not request and it coincided with a different XXXX card so I'm guessing that this was obtained using my information, like the other one. I have tried to cancel this card, but it pretty much impossible due to the byzantine nature of the " support '' from Netspend. I tried their online chat, both the bot and an agent, and they were unable to help me. The agent directed me to their phone number, but it is a circular phone tree that won't let me get anywhere until I activate the card by entering my SSN, which I absolutely do not want to do. Their email support also simply directed my to the phone number and the FTC fraud line. This is customer support so bad that it feels like it should be illegal.
Product: Credit reporting or other personal consumer reports

I am submitting this formal dispute regarding an account appearing on my consumer report that is being furnished and reported without my consent. I am asserting my rights under the Fair Credit Reporting Act ( FCRA ) and related federal statutes to demand the immediate deletion of this account from my consumer report, as well as compensation for the unlawful actions taken against me. 
The account in question is XXXX XXXX XXXX XXXX XXXXXXXX According to the Fair Credit Reporting Act ( 15 USC 1681, Section 602 ( a ) ), consumer reporting agencies, including XXXX and Experian , are required to exercise their responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. As a consumer, I have the right to ensure my private information is not being shared without my consent. 
Furthermore, under 15 USC 6801, financial institutions have an affirmative and continuing obligation to respect the privacy of their customers and protect their nonpublic personal information. A furnisher of information to credit agencies is considered a financial institution under this title and, therefore, must comply with privacy and disclosure laws.

15 USC 1681, Section 604 ( a ) ( 2 ) states that a consumer reporting agency may furnish a consumer report only in accordance with the written instructions of the consumer to whom it relates. I have not provided written consent to XXXX Experian, or the furnisher of information to report this account. Any previous consent, whether verbal, written, implied, or otherwise, is hereby revoked.

Additionally, under 15 USC 6802 ( b ) ( c ), a financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how they can exercise their nondisclosure option. I was never informed of my right to opt out, meaning this disclosure was unlawful. 
15 USC 1681c ( a ) ( 5 ) prohibits consumer reporting agencies from including adverse items of information in a consumer report if the item predates the report by more than seven years, except for records of criminal convictions. The account in question is an adverse item being reported without my consent, violating federal law.

Moreover, 15 USC 1681s-2 ( A ) ( 1 ) ( A ) states that a person shall not furnish information relating to a consumer to a consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate. Given that I have disputed this item, continued reporting constitutes a violation of this statute. 
XXXX and Experian are required under 15 USC 1681e to maintain reasonable procedures to prevent violations of 15 USC 1681c and ensure that consumer reports are furnished only for permissible purposes. Their failure to do so demonstrates noncompliance with federal law. 
Lastly, under 12 CFR 1016.7, I have the right to opt out of having my information reported at any time. I am exercising this right now and demand the immediate deletion of the disputed account from my consumer report.
Product: Credit reporting or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all accounts are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these accounts immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I recently made a checking account for Bank of America, around XX/XX/XXXX of this year. It was approved and my account is made and a debit card was mailed to me. I deposited {$100.00} into my account on XX/XX/XXXX and my balance was {$70.00} after doing some purchases. All is well and good and then today, XX/XX/XXXX, I tried logging in my account and it won't let me. They didn't have a record of me having an account. I called the bank and they remained tight-lipped throughout. They told me the executives unanimously made a decision not to do business with me and my account was closed today, the XX/XX/XXXX, remaining balance will be mailed to me, all that. I have no idea why the bank just decided to close my account without telling and not telling me why. It was just a recent account too and now it's closed. It's a bit unfair that they just decided to close the account and not tell me the exact reason.
Product: Debt collection

I bought into a camping resort package through XXXX XXXX At the time, the man told me all these wonderful ways to use it. It sounded great. I tried using it several times and it was not what they portrayed it to be. I called asking to cancel or sell the " time share ''. I could never get a hold of anyone to help me. Once they lured me in, that was the end. I am ok with paying something to get out of the contract, but this has gone on too long. I did nothing wrong. I tried to contact them and they did not respond. I feel it was false, the information and explanation they gave me. Every time I tried to use it, the process changed. I also could not get the " better '' process at other campgrounds. It was not a smooth process. I believe this should not hurt my credit score like it is. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

The second mortgage on my foreclosed home was transferred from XXXX to Realtime Resolutions in XX/XX/XXXX. The last payment on this mortgage was made XX/XX/XXXX and was charged off by XXXX. However, Realtime Resolutions is showing a new 90 days late payment in XX/XX/XXXX on my XXXX credit report. I should not show a new late payment just because the balance was transferred to a new servicer. I have disputed this error directly with Realtime and XXXX  and have received no resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, XXXX XXXX, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

3. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Product: Mortgage

Applied for and entered HAMP mortgage modification because I am XXXX on SSI XXXX XX/XX/XXXX. Before and during entry into program I asked no less than XXXX representatives in recorded conversations if I could take the modification but make full payment as I was afraid to ruin my credit after recovering from divorce induced bankruptcy in XX/XX/XXXX, I was told that I could do that by sending I the modification coupons with a note stating my concerns and enclose full payment and that it would not affect modification chances. 
On XXXX XXXX XXXX I received a letter from Chase stating I would not get the modification because if I could pay the full payment then, I could continue to pay it. Upon receiving this, I called Chase and explained that I was told that was not going to affect the modification. I was told the lender said no and that was that. 
I entered a complaint with cfpb stating all the above in detail. cfpb followed up with Chase bank and on XX/XX/XXXX I received a call from my representative saying I WAS getting the modification and I would have it updated by XXXX XXXX XXXX. I spoke with the rep again on XX/XX/XXXX and he said same thing ... go ahead and use modification payment coupon and all would be done by XXXX XXXX. On XXXX XXXX I received a letter that MORE TIME was needed for a decision! I called the rep 7 times to ask why I received that letter when he told me XXXX XXXX all would be done and I was getting my modification. He never returned my calls. His assistant called and said she was calling to tell me they received my calls but she could not talk about my case. She said she was transferring me to my reps phone. After 32 minutes on hold I hung up and re-dialed him directly to no avail. Today XX/XX/XXXX I called the main service number and talked to another rep. She had no trouble discussing my case and told me NO DECISION has been made and they need more time to review. I told her I was going to contact cfpb again at which point she because very surly and told me if they say they need more time, then they need more time. I asked her why my rep would not call me back knowing that I called 7 times stating I was going into the hospital tomorrow for XXXX and really needed to speak to someone. her answer was ... ask him! I have been lied to strung along and ignored. I explained that they only reason I was able to make the mortgage payments was that I borrowed the money from my daughter. They did not care. This program is to help people struggling and as a XXXX XXXX year old on a very low fixed income I sought that help and was mistreated and misled. The reference former complaint is XXXX if there is anything else needed.
Product: Credit reporting or other personal consumer reports

My account with ( was never late! I have had exceptional payment history witH XXXX XXXXXXXX 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 60 days 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.

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 8
Product: Checking or savings account

Received a letter today claiming that my account with Chase Bank ending in XXXX is blocked and will be closed soon. I did not open an account with Chase Bank and it has been on our local news that allot of people in the XXXX XXXX of XXXX were getting these accounts open without their knowledge. I have no accounts or credit cards with Chase Bank. When I called the telephone number on the letter XXXX XXXX the lady that answered claim the only way to check on the account was by social security number. I did not want to give it to her but I wanted to know the account was closed. When I question her location all she said was she was overseas. I called my local police department because the news media advise to put a police report in with them. It is Saturday so no one there but left a message. Will follow up on that on Monday.
Product: Student loan

My name is XXXX XXXX and I am the cosigner on XXXX loans for my wife, XXXX XXXX XXXX maiden name XXXX XXXX. On our first loan in the past we attached XXXX notes to XXXX consecutive bills that were sent into Sallie Mae for the purpose of instructions on how to apply payment to our loan. We had paid over the minimum amount and the excess had not been applied to principle. The purpose of the notes was to instruct Sallie Mae to apply the extra to principle so that the loan could be paid down quicker. This was attempted because I had called into Sallie Mae to find out how to apply excess to principle and was instructed to attach a note. XXXX notes seemed to be ignored and after calling in and being told just to attach another note we gave up. Now that my wife is going back to school we applied for another loan in late XXXX. My wife made her normal payment over the minimum for XXXX and we did not receive a bill for XXXX. Because she had paid over the minimum Sallie Mae had taken the excess and applied it for the next payment. This is not how we wanted the payment to be applied. I called into Sallie Mae to find out the current status of the loan on XXXX XXXX, 2015 at XXXX. After talking with someone on the phone I was told that excess funds are kept in an account so that if a payment is missed or under the minimum this account will make up the difference. I also asked why payments are n't applied to principle and the above was explained to me and I asked if they did this so that loans are more likely to be held to the full duration, the response I received was " yes ''. From my understanding it is illegal for Sallie Mae to apply a payment contradictory to the way indicated in the note attached to the payment. I would like to know why our instruction have been ignored and why payments are not applied to the principle. Unfortunately I do not know the dates for which the noted were sent in or calls were first made for this problem.
Product: Credit card

Made a {$25.00} charge using XXXX XXXX. Charge was treated as a cash advance and Chase charged me a {$10.00} dollar fee for the {$25.00} charge. If I knew the charge would be treated as a cash advance and I would not have made it. I complained to Chase that I have made this transaction before and it was not a cash advance. Requested that the {$10.00} fee and any related financing charges be reversed since i wasnt aware of the charge and didnt approve it.
Product: Credit reporting or other personal consumer reports

Experian, After carefully reviewing my credit report, I cant understand why all this unauthorized inquires that are reporting on my credit report. Please remove all and delete. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I am submitting a complaint regarding an error in my credit reporting by Citibank, which manages my Home Depot credit account. This error has had a negative impact on my credit score. 

In XXXX and XXXX of XXXX Citibank reported two delinquent payments, each over 30 days late. However, this information is incorrect. My account was enrolled in autopay, but due to an error on Citibank 's side, these payments were not collected. I have since submitted two complaints through XXXX to correct this issue, but Citibank has maintained that it can only report based on the existing account records and has refused to change it. 

This error is adversely affecting my credit score, and despite my attempts to resolve it directly, Citibank has not taken responsibility for the autopay failure. I am seeking CFPB 's assistance in investigating this matter and ensuring my credit report accurately reflects my payment history. 

Thank you for your help in resolving this issue.
Product: Credit card or prepaid card

American Express has horrible billing practices. They purposefully delay the payments made to make it look like you owe more than you actually do on your bill. For a statement that runs XX/XX/XXXX - XX/XX/XXXX, and has charges of {$450.00} + {$300.00} on XX/XX/XXXX, and offsetting payments on XX/XX/XXXX of {$450.00} + {$300.00}, I should not have a bill saying I owe money for this.
Product: Debt collection

Jefferson Capital collections agencies sent a letter but did not provide letter of proof of debt the account from XXXX XXXX XXXX was charged off and closed ther for Jefferson Capital must provide a valid letter of debt proof sense the account was charged off and closed I am no longer an responsible and wish Jefferson Capital to stop all contact a valid letter of the debt was not provided I do not acknowledge this debt sense it has been closed Jefferson Capital has been in trouble before and investigated. As they tried to defraud me in the past. And got cought. Cfpb did handle that situation I am asking Jefferson Capital to cease and disist all contact and communication
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the EXPERIAN and XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX Balance : {$8100.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I ask the credit bureau to do a thoroughly verification of everything on my credit report they did and state everything was accurate. I then did a thoroughly look over it myself to find there were some improperly accurate on my credit report even after they did thoroughly verification and research. 

XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX, MD XXXX XXXX, XXXX, Account Number or Identifier XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX In accordance with the fair credit reporting act convergent these accounts XXXX XXXX XXXX XXXX, and XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. status I have right to privacy.

15 U.S.C 1681 section 604 A section 2it also states a consumer reporting agency can not furnish my account without my written instructions.
Product: Vehicle loan or lease

My name is XXXX XXXX. My customer number is XXXX. I have attempted to speak to a XXXX   regarding my request to reduced my payoff amount since XX/XX/2012. Each time I have called the rep that took my call has stated/offered one of the following response .... 

1. " We do not reduce settlement offers '' 2. " I will transfer you ''.

3. The call is mysteriously ended.

4. Placed on hold indefinitely.

5. " We will get back to you '' I have left several messages with managers without a returned phone call. I have not yet been able to speak to an AVP. This is unacceptable treatment. They have ruined my credit. It shows a charge off and delinquent payments. I am an XXXX  and this has caused me to be denied for business loans, personal loans, credit cards and mortgages. I had to get another vehicle with a high interest rate because of their actions. 

During this time I was in negotiations with State Wide ( the third party insurance company ) attempting to increase the amount they have offered for my totaled vehicle. 
On XX/XX/2012 I received a letter from Santander stating they have accepted an offer that is over {$4000.00} LESS then my payoff amount. I am confident I would have been able to get Statewide  to increase the amount offered as they had not included over {$4000.00} in extra accessories which I have receipts for. 

Now that the your total loss department has prematurely accepted and offer, all negotiations has ceased. 

I am requesting that Santander close out my account in good standing with a {$0.00} balance. 

I can be reached @ XXXX XXXX XXXX I am requesting a response within 24 hours or further action will be taken. 
Best regards XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is my 12th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Bank account or service

I opened an account with Synchrony Bank for an XXXX XXXX XXXX in XXXX of 2015. I made my first purchase on XXXX XXXX, 2015, with my first scheduled payment due XXXX XXXX, 2015 for {$25.00}. On XXXX XXXX, 2015 I made my first payment of {$30.00} to Synchrony. I have paid every month this way on the XXXX of each month with the payment being due each XXXX. Instead of being given credit for early payments, the bank considers me 'late ' each month and assesses me a late fee of {$35.00}. I called about it and was told that my XXXX payment does not count, but instead would be applied as a double payment for XXXX 2015. I am considered late although I paid on time, even early. Synchrony refuses to budge.