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

I did not authorize these inquiries on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or prepaid card

Sorry, your drop downs are not exactly on point. I have a Visa card through Best Buy that is services by XXXX. I  elected electronic statements. These statements do not work with XXXX. Ive notified customer service. They just repeat instructions to me. I am trying to verify that I received a deferred interest charge and I am unable to get this question answered as well. 

They are in conflict with requirements to make the terms of my purchase clear and conspicuous.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019, I sent a letter to Experian requesting validation of a debt. Despite numerous attempts, they have failed to comply with my request. Their first response was for me to contact the company reporting the information to my credit report. XX/XX/2019, I sent a second letter to Experian requesting that they validate an entry that is listed on my credit report and they have failed to do so in accordance with the Fair Credit Reporting Act. Experian has not provided any documentation as to how they validated that the debt is in fact mine. I received a letter from them dated XX/XX/2019, stating that they have completed their investigation and they have contacted the company reporting the information I'm requesting validation on and instructed them to verify the information in question. Experian 's response is not in line with the Fair Credit Reporting Act which states that a credit reporting agency is to provide validation of debt upon the consumer 's request. According to the Fair Credit Reporting Act validation in a copy of the original signed contract or document signed by the consumer. Experian have failed to provide such validation.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 8th 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, MD XXXX XXXX XXXXXXXX Balance : {$16000.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$190.00} XXXX XXXX Balance : {$16000.00} XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXXXXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX Balance : {$160.00} XXXX XXXX Balance : {$16000.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$190.00} XXXX XXXXXXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XXXXXX/XX/2022 XXXX XXXX XX/XX/2022
Product: Credit card or prepaid card

Today XX/XX/2020 it took me 1 hr before finding someone. they offered a balance transfer months ago. I had a purchase previously. I realized after months that the capital on purchases keep increasing every month while the balance transfer decreased This is a money I will never finish payin ; from XXXX XXXX XXXX Purchases bal {$5400.00} while transfers {$3600.00}. 
XXXX purhases become {$5600.00} bal transfer {$3400.00}. 
XXXX XXXX XXXX purchases : {$5700.00} bal transfer {$3300.00} No money will be taken from purchases until the full transfer amount is paid in full. I was never told that otherwise there is no way I would have accepted the deal from the bank. 
I spoke to XXXX at XXXX XXXX. I asked if they can make ONE SUM  from the 2 and deduct the money left after payment of their interest. I will never finish paying those days where things are hard the bank should give a help to consumers. And BOA keeps adding a credit line and taking it after a few months make my credit score fluctuates all the times. 
My rate is 14.74 % they keep playing with me. the strategy is a fraud.
Product: Credit reporting or other personal consumer reports

My account with the company and i was never late! I have had exceptional payment history with this company 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 MONTHS REPORTING LATE 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.

This company 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

I was surprised and appalled to find out that third parties are reporting bankruptcy to the credit bureaus. I was erroneously led to believe that it was the court house and/or XXXX who were reporting to the credit bureaus. So I sent a letter asking how each entity obtained this information. In return, I was told various things from public record or the court court house. 
I immediately looked into this and learned that the NEITHER the Court House NOR the Pacer systems reports to third parties or the credit bureaus. 

Therefore these companies fished for information from public records. They then used the fished information to turn a supposed bankruptcy from a private matter to a public matter, which is a direct violation of my consumer rights. 

I did not authorize any third party reporting of supposed bankruptcy. Furthermore, the claim that the Courthouse or Pacer reported the information to a third party or a credit bureau is fraud. 

I demand that the supposed bankruptcy and any accounts associated with it, be removed from my consumer file, immediately. Furthermore, I demand that other third parties and three credit bureaus follow suit.
Product: Money transfer, virtual currency, or money service

I am filling a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fraud Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item and update it immediately in my report : XXXX XXXX XXXX XXXX  XXXX. Also, I want these late payment deleted from my account within 15 days, these are not mine, I'm not aware of these, Under USC 1666b. See the documents attached. XXXX XXXX XXXXXXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the banks customer service representative.
Product: Credit reporting or other personal consumer reports

" Your agency is in violation! 
1

5 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
Delete this at once! '' LIST OF ACCOUNTS BEING CHALLENGED ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

I had gone, to my Bank, XXXX  XXXX XXXX XXXX Bank, l was asked, To call, The ( Zelle ) To speak, XXXX XXXX XXXX XXXX, XXXX XXXX, To confirm it was me, She'd spoken and given all the necessary information Confirmation, As Correct, And that was all that was needed. 
All of a sudden, XXXX XXXX XXXX  XXXX XXXX XXXX, l guess, was smart Mouthing XXXX XXXX, She'd looked at me oddly peculiar, Than, She'd handed me, The Phone, saying XXXX XXXX needed to speak to me, I'd throught Why, She'd answered Everything that was necessary and it was indeed ( Oddly - Insane ) How He, was unnatural, And Telling, me, Action to confuse me, Deliberately, without cause, Nor Rest, To start Conflicts, And to make matters, Even more intensified, Was Emotionally Term oiling me, To Distress and insecure me, XXXX XXXX  with XXXX XXXX  by way that my last name is XXXX or Spanish. 
I didn't deserve this malisous misconduct, Plus at same time, " Scolding '' with No Merit or Reason, Then,
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent seperate 2 certified letters of demand to all three credit reporting agency asking to provide me with validation that the charge off accounts that they are reporting does belong to me. Upon receiving my first certified letters requesting validation, all three agency responded back saying that they have validated the debt as belonging to me, but they never provided me with proof of their validation. I then sent out a second set of certified letters, again to all three reporting agencies asking for proof of validation. Again, i was only told that the debt was validated as belonging to me. Again, no proof was provided. I asked for signed contracts, but they are unable to provide me with any proof. The charge off account still remains on 3 reports. 

The accounts that I need validation for are as follow : XXXX The XXXX XXXX XXXX XXXX  XXXX Provided are the delivery confirmation for the certified letters that was sent to the reporting agencies : XXXX  : XXXX XXXX XXXX XXXX XXXX ( sent XX/XX/18 ) XXXX : XXXX XXXX XXXX XXXX XXXX ( sent XX/XX/18 ) XXXX XXXX XXXX XXXX XXXX ( sent XX/XX/18 ) Transunion : XXXX XXXX XXXX XXXX XXXX ( sent XX/XX/18 ) XXXX XXXX XXXX XXXX XXXX ( sen6 XX/XX/18 ) I would like these account DELETED from my report or the debt validated as mine and proof sent to me
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX - and XX/XX/XXXX I wrote each credit bureau and asked them to verify the debt. I don't recall getting a response or updated credit report as requested so I sent a letter directly to GM. 

On XX/XX/XXXX I asked GM for debt validation because they were reporting a charged-off account to credit bureaus. As a result of doing some research, I learned that XXXX laws may not have been followed making this reporting unverifiable and inaccurate. I faxed a debt validation letter to GM ( attached with proof of fax delivery ) and after 30 days I have not had a response from GM or from XXXX  XXXX  or XXXX  and the account in question is still being reported ( I saw the information on both MyFICO and Identity XXXX ( attached ). I want this deleted because ( 1 ) the GM reporting is inconsistent or incomplete ( 2 ) GM did not respond in 30 days AND ( 3 ) GM provided no documentation they met XXXX  laws.
Product: Debt collection

I recently saw a collection from CKS Financial I called to resolve issue and told them I never received a letter. The woman XXXX hung up on her when I was trying to settle this debt and now they wont answer my call and sends me to a voice mail that they had a storm and no one is in. I just talked to them 1 min prior to that. All I was asking for was a written contract on a certain amount and that I wanted it off my credit report as soon as it was paid. I want a supervisor to call me only.
Product: Credit card or prepaid card

I have been trying to have the right amount, address and credit card info to pay Macy back since 2015. I've researched and realized that I'm not the only victim to Macy 's poor practices dealing with their credit card. Due to their inability to have correct and timely financial information, I disputed. However, they put it as delinquent and no one was ever able to help rectify to make me whole. Finally, I wrote the XXXX, XXXX XXXX of Macy 's to see if he can help. Again, they missed the mark of understanding that they failed to provide the accurate amount, account information, credit card, disclosures and address to send payment. Because of their deficiencies, I was unable to pay. I didn't even have the account number! I have spent no less than 50 hours trying to fix this over the years. Even now, I resent a note a couple months ago. Still same back and forth with no accountability. This is quite deceptive. They should not offer credit cards if they don't know how to manage the business. 

Below is the letter that I sent. 
XXXX Dear XXXX, I can appreciate what you're doing for Macy 's and trying to sustain the business during this challenging time. 

This is why I'm reaching out to you at this time. I'm thinking that you can help me fix this. For +/-4 years, I have emailed and mailed notes to customer service addresses in OH and executives XXXX XXXX and XXXX XXXX to fix my credit situation. Now, I'm trying to refinance and there's a big black mark on my credit due to the inadequate processes in Macy 's credit card and customer service departments. 

Here 's the deal - I have about {$300.00} that I owe which I can easily pay - but as a finance person, I would like to have the exact amount and bill that I should pay. No one - has been able to produce this for me. I've been harassed by your customer service people, been hung up, insulted and now chased by creditors because of the poor processes and infrastructure set up by Macy 's credit card business. 

I signed up for a credit card at the store to receive a discount. I never received any paperwork or credit card, which looking back seem to be a poor on boarding situation. I kept my receipt and returned a few items. Months later, I finally received a credit card with a late fee and interest charges. I called customer service and got bounced to the XXXX, another country, back to US and back to XXXX. I made multiple attempts to get the final amount, minus all fees and interest charges and minus returns. Also, I needed the credit card statement. I believe, having worked in banks for 20+ years, this is a reasonable and minimum requirement for any financial services company. 

My ask - please send me the summary which includes the original purchase, minus return, minus interest fee and any excess fees. Please provide the account number and address so I know where to pay the check. Please do this as soon as possible because I need to refinance ASAP in this horrible market. 

Best wishes to you and your family. 
Thank you for your help.
Product: Credit card

My mother passed away on XX/XX/XXXX, and I am the executrix of her estate. When I I was cleaning out the effects in her home, I found a bill from XXXX that had a due date of XX/XX/XXXX, regarding my mother 's credit card account with them. I called XXXX customer service on XX/XX/XXXX, to notify them of her death and asked what I needed to provide them in order to manage her account ( as the executrix of her estate ). I was told I needed to take my documentation ( death certificate, short certificate and proof of identity ) to a bank branch for verification. So, I drove the XXXX mile round trip to the XXXX, Pennsylvania, branch that was closest to my home and met with the branch manager, XXXX. He took a rub of the seal on my short certificate on the copy he made of my drivers license, made a copy of the short certificate, took an original death certificate and also took my mother 's card and locked all of this in the vault. He also faxed the documents to XXXX 's collections department. At this point I assumed her account would be statused appropriately and I would get a final bill to pay from her estate. I have since received XXXX additional bills for her account, each assessing late fees and finance charges despite my in-person notification to a XXXX employee that she had died, and her account should be marked " deceased '' and written off as such. After the receipt of each bill I called XXXX customer service to ask why her account was not closed and I was still getting bills. I placed calls on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and was continually told I was not authorized to speak about her account even though I personally took acceptable documentation into a XXXX branch and it was visually inspected by the branch manager. I was finally told on XX/XX/XXXX that they considered me eligible to speak about her account, but I 've received a contractual charge-off statement on the account because it took them over two months to deem me eligible. Her account should have been written off in XXXX when XXXX was notified of my mother 's death, and the account should not have had the additional ( and potentially illegal ) late fees and interest assessed that they piled onto her balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. 
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 ... ... 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 instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the reports by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

Chase Bank has been our mortgage holder and we are up-to-date with our mortgage payments. Last year, on XXXX/XXXX/15, I found out that my job was being outsourced to an outside contractor and this job loss led to 5 months of unemployment. We kept up with the mortgage during the unemployment with great difficulty. However, the ONLY job offer I got was for a job where I would suffer a reduction in pay of {$46000.00} per year. I previously earned {$120000.00} and now I am earning {$76000.00} at a XXXX job. I had applied for mortgage assistance through the Obama Affordable Homes program on XXXX XXXX. Chase keeps sending me paperwork saying that additional documents are needed ( establishing a paper trail ) but the application was submitted intact on XXXX XXXX. When they call on the phone, I help them find the " missing document '' in the pack, and then they say that they will get back to us once the " underwriters '' approve it. This is on a recorded line. This has happened a number of times. Now they are saying that it will take another month for the underwriters to finish the application process. Although our mortgage is being paid, we have no money for food and we are looking for Chase to modify our mortgage so we have more available cash since I am not earning as much as I used to. I reported this to the XXXX on XXXX XXXX on Complaint number XXXX. Please help us.
Product: Credit reporting or other personal consumer reports

Dear Equifax Dispute Department, I am formally disputing unauthorized credit inquiries and incorrect accounts on my credit report under FCRA 611. These inquiries and accounts were not authorized by me and must be removed immediately. 

Unauthorized Hard Inquiries I did not authorize the following companies to access my credit file. These inquiries violate FCRA 604 and should be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inaccurate Accounts That Do Not Belong to Me The following accounts do not belong to me. Under FCRA 609, I request their immediate removal : XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXXXXXX XXXX A Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXXXXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number XXXX XXXX
Product: Credit card

Capital One charged me a {$25.00} late fee on the same day my payment was due. How can this be ethical? If this is allowed to continue I will be assessed late fees each month my payment is n't submitted by XXXX on the due date. Again appears to be an unethical money scheme.