23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I filed for bankruptcy in XXXX due to a layoff. The only items I included were my personal credit cards. I had a joint mortgage with my wife, that I did not include in my bankruptcy. I never missed a payment, there were no late payments, and the mortgage was paid in full when we sold that house in XX/XX/XXXX. I've contacted the mortgage company multiple times that it was not included, and they have that information, but they keep listing the account as " Discharged in XXXX  XXXX Bankruptcy ''. They have the complete payment history showing that it was paid in full, and never late, and not discharged. I'm not sure what I need to do on my end, but I've also contacted their consumer advocacy department to get this corrected, with no progress.
Product: Credit reporting, credit repair services, or other personal consumer reports

In contempt of previous written request, The 3 credit bureaus neglect to correct the information in my credit file. I have been patiently waiting on the response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, Section 605b within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report that are needs to be corrected : XXXX XXXX XXXX XXXX Balance Owed : {$8900.00} ; XXXX XXXX XXXX  Balance Owed : {$29000.00} ; XXXX XXXX XXXX Balance Owed : {$23000.00} ; XXXX XXXX XXXX Balance Owed : {$0.00}.
Product: Debt collection

I paid my rent, put my rent in the drop box of XXXX  at XXXX XXXX. A week later I got an eviction noticed on my door, when I went to the office I seen other tenants where up there with the same issue. They then said someone broke into the rent box, and they wanted me to repay my rent again, and I refused to repay the amount so we went to court. The judge ruled that I wasnt in charge for the debt due to the fact I had my money order receipts and once the money was in the property drop box that they have for the tenants to pay there rent there responsible. Later found out it was an old employee who did it.
Product: Checking or savings account

I received a debit card from key bank for a fraudulent account opened with my ss number The bank knows about the identity fraud. Said it would be closed
Product: Money transfer, virtual currency, or money service

Hi, I have XXXX XXXX XXXX XXXX XXXX. We use Square to process credit card sales. Square allowed my banking deposit information to be changed without my knowledge. Square transferred {$17000.00} of proceeds from my business credit card sales into 7 different bank. We have used Square for the past few years with the same bank account. Just the fact that the account was changed should have raised red flags, let alone that there were 7 different banking changes to the account. Square has not given any information on how this could have happened or who was involved. Square has covered {$8000.00} of the loss with no explanation. In my last call to Square I was told the case was closed and the conversation was no longer productive. The representative then hung up. Although Square supplied the names of the 7 banks where the money was transferred they will not tell us who or how this was possible.
Product: Credit card or prepaid card

We used our Citi MasterCard to pay for a cruise to celebrate our 40th anniversary. That transaction was on XX/XX/XXXX for {$7200.00} ( the remaining balance after a deposit of {$1500.00} charged to the card when the cruise was booked in XXXX ). This transaction appears on our XX/XX/XXXX credit card statement, which we paid on XX/XX/XXXX. 

We were notified by the cruise line on XX/XX/XXXX that the cruise was canceled and that they would refund the entire cost of the trip. We called Citi on XX/XX/XXXX to check our balance and the credit balance of {$8800.00} showed up, so we waited in queue a long time to speak to an agent to request a refund of that balance. We were told that it would take 10 days to get the refund. 

When we had not received the refund in 10 days, we called on XX/XX/XXXX seeking the status. We were told it was " in process '' but under a 3-day hold. When pressed as to why it was being " held '', we were told it was due to the amount of the refund and " banking regulation ''. When we asked for a citation for the " regulation '' we were told to go online to read their " terms and conditions ''. At this point we requested to speak to a supervisor. We spoke with XXXX who told us the hold was done by another " department '' but she assured us the refund would be done by XX/XX/XXXX and verified the bank routing number to use to do it by EFT. 

When we checked today, XX/XX/XXXX, the credit balance is still in our account. So we called Citi again and ended up speaking with XXXX, who said the refund is still " in process '' and when I requested to escalate to his supervisor he said there was nobody available who could do anything for me today and to give it another 48 hours to show up. 

Our complaint is : 1. The length of time it is taking to receive this refund ( or did take since it will likely have been received by the time CFPB processes this complaint ). 

2. Being told there is a " banking regulation '' that prevents faster refunds of credit balances.
Product: Credit reporting or other personal consumer reports

AARGON AGENCY is reporting a collection account on my credit report without verifying the debt which is a violation of the FCRA. I have included an arbitration demand and exhibit a as evidence please see attached.
Product: Debt collection

XXXX, {$1000.00}, XXXX, XXXX XXXX has sold Lvnv Funding a debt that effected my credit score. I contacted XXXX  XXXX and they will not release any itemized statement or fine print to established this debt nor LVNV Funding.3 and half years, I disputed the debt was not mine and asked for it to be removed and deleted off my credit history. Now they are moving this account through all 3 Credit Bureaus which is hurting my credit score and costed me lot of wasted time. I sent police report of identity theft to all parties involved.
Product: Credit reporting or other personal consumer reports

I am rewriting to ONEMAIN follow up on a previous complaint regarding fraudulent and unauthorized hard inquiries that continue to appear on my credit report. 
Despite my prior communication, it seems that no action has been taken to address this alarming issue. These unauthorized inquiries remain unresolved, causing significant harm to my credit reputation and ongoing distress. As detailed in my Federal Trade Commission ( FTC ) Identity Theft Report, reference number XXXX, I have never authorized the companies responsible for these hard inquiries to access my credit report. These inquiries were made without my consent or knowledge, constituting a clear violation of my rights under the Fair Credit Reporting Act ( FCRA ). The FCRA requires credit reporting agencies to ensure that all information included in a consumers credit report is accurate and authorized. ONEMAINs failure to remove these fraudulent inquiries after being notified of their unauthorized nature violates its legal obligations under the FCRA, including the duty to investigate disputes and verify the accuracy of reported information. I respectfully request that ONEMAIN take immediate action by conducting a thorough investigation into the unauthorized hard inquiries identified in my credit file. These inquiries must be promptly removed, as they lack proper authorization. Furthermore, I ask that you provide written confirmation of your findings and detail the corrective actions taken to ensure compliance with the FCRA. Please treat this matter with the urgency it deserves. If ONEMAIN fails to address these inaccuracies within the legally mandated timeframe, I may be forced to escalate the matter further by filing complaints with the Consumer Financial Protection Bureau ( CFPB ) or pursuing legal remedies to protect my rights under federal law. Thank you for your attention to this serious issue. I trust that ONEMAIN will fulfill its obligations under the FCRA and take the necessary steps to resolve this matter promptly.
Product: Debt collection

After reviewing my credit report, saw a collection activity by Amsher collection Agency., Its for a XXXX cell balance I paid for in XXXX 2016. 
I 've disputed this bill thru the credit agencies XXXX and XXXX. I supplied the payment information. 

But I 'm still getting phone calls from Amsher. 
I want the harassing calls to stop and any and all collection remarks for this bill on my credit reports that I paid last year to be removed.
Product: Consumer Loan

I was never late with this company. I had to file a chapter XXXX and offered to pay them in full and NOT include them in the bankruptcy. First they said I could do that, then they said I could n't. SO, I included them in the bankruptcy and since they are a secured creditor they are getting paid in full. In XXXX 2015, 1 month after my Chapter XXXX was filled, they reported to my credit file that the account was charged off and have been reported it charged off every month since then.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXXXXXX. 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 30 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. 


XXXX 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

Hello, My name is XXXX XXXX XXXX, Consumer, Cardholder, Maker, who currently reside at XXXX XXXX XXXX XXXX XXXX XXXX XXXX which is in XXXX XXXX XXXX XXXX I am writing this XXXX Early Warning Services , LLC, XXXX XXXX XXXX XXXX XXXXXXXX, or " XXXX XXXX ) '', XXXXXXXX XXXX XXXX XXXX  XXXX XXXX, any of the above-mentioned corporations ' executives, directors, assignees, Officers, affiliates, or nonaffiliated third-parties, have violated many Consumer Protection and Racketeering and Privacy Laws. Early Warning Services , LLC is furnishing inaccurate, inequitable, negative information that is causing XXXX XXXX XXXX, Consumer, severe financial XXXX, causing her to be unable to extend credit. These accounts need to be purged, deleted, and/or removed from the Early Warning Services , LLC Consumer Report file of XXXX XXXX XXXX XXXX Consumer. 

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

Formerly, I made an investigation regarding these accounts with inaccurate information and after checking your responses I recognized that the same accounts are still incorrect, with a confirmed status. Please correct the following accounts listed below : XXXX XXXX XXXX : {$1900.00} XXXX XXXX XXXX : {$2000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I sent a certified letter to Experian and XXXX to investigate the following inaccurate information on my credit report, which includes but is not limited to : Incorrect Names Incorrect Employment Incorrect Address Incorrect Credit Information In addition, I asked these XXXX companies to please send me all notices of corrections to anyone who received my credit report in the past XXXX months. 

These XXXX companies have failed to comply. My credit information on my report is very importand to me and I wish to get incorrect information off my report history as soon as possible. 

Thanks!
Product: Debt collection

I have disputed and reached out to this company on multiple occasions regarding this item that appears on my XXXX credit report. I have sent multiple debt validation letters requesting specific information listed as follow : CREDITOR/DEBT COLLECTOR DECLARATION Please provide the following : Agreement with your client that grants you the authority to collect on this alleged debt. 
Agreement that bears the original signature of the alleged debtor wherein XXXX agreed to pay the creditor. Original contract with original signature of alleged debtor wherein XXXX agreed to terms with creditor. Original contract with original signature wherein XXXX agreed to enter into terms to pay debt collector. 
Any insurance claims been made by any creditor regarding this account. 
Any Judgments obtained by any creditor regarding this account. 
Name and address of the alleged creditor. 
Name on the file of the alleged debtor. 
Alleged account number. 
Address on file for the alleged debtor. 
Amount of alleged debt. 
Date this alleged debt became payable. 
Date of original charge off or delinquency. 
XXXX that this debt was assigned or sold to a collector. 
Complete accounting of alleged debt/ledger from original creditor. 
Commission for debt collector if collection efforts are successful. 
Copy of bond and license to do business in my state and state where alleged debt was acquired. ( This is the bond and license that your company filed with the XXXX of XXXX where the alleged debtor resides. ) This company was also informed that this account with the original creditor was fraudulent and a part of a federally documented identity theft case in which a Federal Affidavit of Identity Theft was provided multiple times. Documentation as it relates to this account was also provided. This case was a part of a criminal case in which the person who stole my identity was prosecuted and sentence to a XXXX prison term for this account and several others. This collection agency refuses to remove this item and keeps updating this item on my credit report as to say that I owe this debt. At this point, I have reached out to a Consumer Finance Attorney to fully intend intend to exercise my right XXXX this collection agency under violating my rights as a consumer under the FCRA and FDCPA, defamation, mental and emotional distress caused by reporting this items falsely, failing to remove inaccurate account of this debt from XXXX credit bureau after sufficient proof was given, failure to provide notice of account deletion via postal mail, and wrecking my XXXX XXXX which resulted in denials for over XXXX from the date they added the account as a debt to all major credit bureaus. I fully intend to follow through with this federal lawsuit. I only asked that they remove the false and erroneous account from my credit report. There direct refusal to provide adequate proof that this debt belongs to me and refusal to remove this account have made it nearly impossible without taking full legal action.
Product: Prepaid card

I received a check in the mail from a supposedly market research company for {$1900.00}. The instructions were to purchase gift cards in the amount of XXXX, copy the front & back of each card and email them with the purchase receipt to XXXX.I purchased 3 XXXX  gift cards for {$500.00} each. After emailing them I texted the following to XXXX : Store XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date & Time of Visit : XX/XX/year> ; XXXXXXXX XXXX Name of Cashier : XXXX Did the Store Clerk thank upon completion of purchase : Yes Overall Experience : Positive How Long to Check Out : XXXX minutes approx. 

After sending the email I became suspicious & began to investigate the whole scenario. I contacted my Bank also American Express re the gift cards I had purchased. 

Please help me to recover the funds withdrawn from my account to purchase the gift cards. I am a retired woman whose only source of income is Social Security and I will have to repay my bank the proceeds from the fraudulent check that I deposited in my account. 
Thank you
Product: Credit reporting or other personal consumer reports

I am submitting a complaint regarding inaccurate and inconsistent late payment reporting by Capital One on two accounts reflected on my credit reports with XXXX, XXXX, and XXXX. The details of the accounts are as follows : Capital One Account Ending in XXXX Capital One Account Ending in XXXX Errors and Inaccuracies Identified : Inconsistent Late Payment Reporting Across Bureaus : For account XXXX, XXXX reports 17 late payments, while XXXX reports 15 late payments. The 60-day and 90-day past-due entries also differ : XXXX : 8 entries ( 60 days ) and 10 entries ( 90 days ) XXXX : 5 entries ( 60 days ) and 4 entries ( 90 days ) For account XXXX, the number and dates of late payments reported by XXXX, XXXX, and XXXX do not align. 
Lack of Verification : Despite disputing these inaccuracies multiple times, Capital One and the credit bureaus have failed to provide verifiable proof of these reported late payments.

Under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), furnishers must not report information they know or should know is inaccurate.

Failure to Correct Errors : The credit bureaus have verified the accounts as accurate despite the obvious inconsistencies, violating 15 U.S.C. 1681i, which mandates correction of inaccuracies within the 30-day investigation period.

Capital One has failed to conduct a reasonable investigation under 15 U.S.C. 1681s-2 ( b ) and has not corrected the errors.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been submitting multiple letters from XX/XX/XXXX to XX/XX/XXXX with complete attachments of my personal information and credit reports. Nevertheless, the requests I have sent out were consciously denied and neglected which I considered being unprofessional on the Bureaus end. I previously submitted a complaint regarding this matter and I thought that the Credit Bureuas already took action due to the letters I have been sending. As of now, I am submitting this complaint once again in hopes that the Credit Bureaus would take proper action and have the following inquiries removed as soon as possible. This will be my last attempt to request all documents to be provided and issued to me. Not fulfilling with my request should result to immediate removal of the unauthorized inquiries listed below : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card

I used Care Credit in XX/XX/XXXX and charged {$1400.00} on the card which was under promotional for a year. I paid most of it off and had a balance of {$490.00} in XXXX the month before the promotional offier was up. It also states that my deferred interest charge if not paid by XX/XX/XXXX I then needed to get dental XXXX again XX/XX/XXXX and had to charge {$2000.00}. It seems as though they added all of the interest going back to my XXXX XXXX promotional offer. As of today my balance is {$2300.00} They have been putting money toward my XXXX promotional offer and my balance for that is now {$1700.00}. I made a payment for {$1500.00} today. I was not aware that I had to request the payments to go toward the old balance that incurred the interest rate of 26.99 %. I had known this before I would have called and requested my payments to go toward the other balance with the high interest rate.
Product: Credit reporting or other personal consumer reports

On my equifax Credit report theirs is one negative item that's 80 days past due its a fraud account last XXXX XXXX it supposed to be removed from my equifax Credit file I have a federal trade commission identity theft report on and on XXXX  theirs two negative items that supposed to be removed from my XXXX  credit report I have a federal trade commission identity theft report on file and XXXX XXXX theirs is three negative items that supposed to be removed from my XXXX  report