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

in accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions Accounts : XXXX XXXX XXXX XXXX- {$560.00} XXXX XXXX XXXX- {$1400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiries : XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX  XXXX ( Bank ) XX/XX/XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX - XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX
Product: Debt collection

I was contacted by Portfolio Recovery Associates , LLC about a debt from XXXX XXXX. When I called, they stated the debt was from XXXX. I filed a dispute with the credit reports to verify the information was being reported correctly and that the date of first delinquency was verified from the Original Creditor. This information had not been provided or verified by either party. It is affecting my credit score.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, Florida, XXXX XXXX XXXX Date : XX/XX/year> Subject : Dispute of Inaccurate Information and Request for Correction Pursuant to 15 USC 1681i ( o ) Civil Liability for Negligent Noncompliance Dear Sir/Madam , My name is XXXX XXXX XXXX XXXX and I am writing to dispute the accuracy of the information reported on my credit report. Pursuant to the Fair Credit Reporting Act, specifically under section 15 USC 1681i, I have the right to dispute any inaccurate information in my report and request an immediate investigation. 

Below, XXXX detail the items I believe to be incorrect : XXXX. Disputed Item : Debt with the company XXXXXXXX XXXX Reason for Dispute : The reported debt does not correspond to my account, and the reported balance is incorrect as it does not reflect the amount granted.

2. Disputed Item : Debt information with the company XXXX XXXX XXXX Reason for Dispute : The debt does not correspond to my account, as I have never had any service with this entity. 

XXXX. Disputed Item : Debt information with the company XXXX XXXX XXXX XXXX for Dispute : The reported balance is incorrect, as this account never had any delinquencies. Additionally, the account has been closed and fully paid. 

Under the law, as a consumer, I have the right to dispute the accuracy of the information reported on my credit report. Therefore, I expect a thorough investigation to be conducted within the 30-day timeframe.

Pursuant to section 15 USC 1681i ( o ), if the provisions of the law are not complied with when correcting or removing inaccurate information, the credit reporting agency may be held liable for damages resulting from negligent noncompliance. Therefore, I request that this dispute be investigated with due diligence, and that the items that can not be verified as accurate be corrected or removed. 

I appreciate your cooperation in resolving this matter as soon as possible. Please notify me of the results of the investigation and any actions taken in relation to my dispute. 

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

Experian is reporting multiple companies I do not own accounts with and never have. I have sent multiple disputes and ask them to show proof and owner ship of the accounts. They never did anything I asked of them to do. I sent them numerous disputes. 

These reports are all incorrect and inaccurate. None of it make sense. 


XXXX XXXX POTENTIALLY NEGATIVE Balance {$320.00} Balance updated XXXX XXXX, XXXX XXXX XXXX Balance - Balance updated - XXXX XXXX XXXX POTENTIALLY NEGATIVE Balance {$7300.00} Balance updated XXXX XXXX, XXXX XXXX XXXX XXXX  POTENTIALLY NEGATIVE Balance {$720.00} Balance updated XX/XX/2023 XXXX XXXX XXXX POTENTIALLY NEGATIVE Balance {$80.00} Balance updated XXXX XXXX, 2023 XXXX XXXX XXXX POTENTIALLY NEGATIVE Balance {$87.00} Balance updated XX/XX/2023 XXXX POTENTIALLY NEGATIVE Balance {$0.00} Balance updated XX/XX/2023 XXXX POTENTIALLY NEGATIVE Balance {$0.00} Balance updated XX/XX/2023 U S DEPT OF EDXXXX POTENTIALLY NEGATIVE Balance - Balance updated - U S DEPT OF ED/XXXX Balance - Balance updated- XXXX XXXX XXXX Original creditor XXXX XXXX Balance {$3300.00} Balance updated XX/XX/2023 2023
Product: Money transfer, virtual currency, or money service

This problem has happened with XXXX different on-line merchants and it relates to XXXX different on-line payment services. In both cases the merchants ' websites have a checkbox on the webpage for ordering products labelled something like the following : " Sign up to get emails with special offers from us and set up an account with XXXX  ''. In both cases the box was checked so that you needed to uncheck it in order to opt-out. This notice appears at the point where you are about to choose a shipping method and is easily missed. Not unchecking the box causes the merchant to share your personal and credit card information with a payments company, and binds the you to the payments company 's terms of service, all without you doing anything to accept the offer.
Product: Credit reporting or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I obtained a credit card via XXXX a card with synchrony bank and XXXX & XXXX XXXX. 
I had used my card with no issues, until the other day. 

I went to purchase more items per my phone call with synchrony bank in regards to this issue. 

XXXX & XXXX decided not to renew their contract with Synchrony bank so the bank decided to discontinue the card. 

My credit took a hit with a decreased score. 
In 15 years I have 100 % on time payment. 

I asked Synchrony for a product change. 
They advise that option was not available due to their was no merchant who would pick up that contract. 

The pay boo card was terminated in XXXX, however as a tv producer XXXX travel and did not see the mail that they sent. 

My complaint is that I did everything by law and yet when these two companies decided not to continue business my credit took a hit and all the bank had to say was for me to read my terms and conditions as this is the law and they are in their legally right. 

The part that makes me the angriest is I wanted to buy more equipment and due to know product change which would not have required a hard pull on my credit. Now I either have to pay cash or try to get credit, however with the creditor closing the account it hit my credit hard. I assumed if I closed the account it would adversely effect me worse. Synchrony told me the opposite. 

I hope I explained the situation with the least amount of emotion.
Product: Checking or savings account

Citibank has been charging me {$15.00} monthly for over 1 year, for a XXXX service that I never requested, never used, never even know of its existence. I called XXXX, they said they are not charging me for anything, and that the issue is with my bank. I called Citibank and the rep said they can not refund me for the past year. I said then I need it to stop right away. She said the issue is resolved and that I will not get charge again. Well guess what, the following month I got charged {$39.00} and this XXXX {$40.00}. I'm now getting charge more than a double. I called Citibank again and request to talk to a supervisor. That was my worst experience ever!. He said he's not going to refund me, and the only thing he can do is to issue a new card and my current card will be block until the new one arrive. I now have les than {$20.00} in my account. If you illegally take {$80.00} from me and block my {$10.00} what are you doing to me. After banking with you for over 5 years!
Product: Credit reporting, credit repair services, or other personal consumer reports

Contact with creditor suspected as a result of an inquiry via Lending Tree and not expressly authorized in view of the reason cited for adverse action had nothing to do with credit rating.
Product: Mortgage

We had major Life altering events leading to and succeeding XXXX ( XXXX ). The loss of Income and neaXXXX XXXX XXXX XXXXXXXX made a difficult situation bad. Mortgage Servicer ( SPS ) was notified. XXXX added delays. XXXX discrimination by reason of National Origin and Color of Skin is front and center. 
XXXX became XXXX  and XXXX acquired multiple " XXXX XXXX XXXX XXXX Companies to get around issue of excessive Fees by Banks. 
Servicing a Mortgage now comprise a XXXX Circus of : ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SPS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

We started receiving Notices but no XXXX XXXX other than Foreclosure was allowed. 
All efforts to formally resolve the Debt in XXXX has been " sabotaged '' by SPS and Agents. 
At a point we sent about a Years worth of Payments via XXXX XXXX XXXX that was never picked up and had to go to XXXX to ask for Funds back. 
We set up Auto Pay but SPS will deliberately not honor Auto Pay until it believes multiple Payments are missing sufficient to trigger conditions of Foreclosure or " Denial of Qualified Benefits under " Under Water Assets '' that XXXX XXXX received under Federal Program Qualification guidelines. XXXX attempts to resolve and settle debt in Bankruptcy were scuttled by " Servicing Collection Irregularities '' using open tactics of " DENY DELAY DEFEND ''. It is a scheme used to dispossess mostly MInority HomeOwners who are in DIstress. 
The Servicing Irregularity with Collection is the Scheme used to cover up " Mortgage Equity Fraud '' aided by Professionals sharing same Address in a Professional Organization. I can give FTC, CFPB and any other Federal Regulatory Agency the supporting Data on the Scheme. Manual Check Payment is the method preferred by dubious Collection services. Mortgage Bank " LOCKED '' my Account, my offer to put Money directly into Account on regular Retiree Pay Schedule into Account for Prompt Posting, Bank gives me a 60 day turn around to relay to Servicer if Payment made directly to Bank.3 attempts to Work a Solution with Servicer insisting " No Home Retention Option '' after vesting over $ XXXX in Payments and Disaster Repairs in excess of $ XXXX that Lender placed Insurer has ducked out from paying. I frimly believe RACE and XXXX of Skin is major underlying components whatever the image presented by these Organizations. The targeted folks are Minority under Hardship. XXXX  Complaints and Online Case Search show this.
Product: Credit card

Since I got this card I have been getting charged every month for XXXX monthly maintenance fees even when my cards are at a XXXX balance I still get it in the past they have credit me for fees to then charge me a higher interest and more fees accrued under the fair credit reporting act its fraud and illegal so I'm requesting all fees be paid back from date I got the card from fortiva .They also have never given a credit increase but when they offer it it came with a substantial charge for the credit increase also illegal practices again in good I request all maintenance fees be returned to me by check mailed from date of opening this account ... thank you
Product: Credit reporting or other personal consumer reports

Logging into XXXX and Experian the websites are down ( 2 weeks now ). Can't get their computer answering system to work since it can't understand ( sometimes ) voice or pressing numbers. NEVER can get a person in any way to work through this.
Product: Payday loan, title loan, or personal loan

On XXXX XXXX of XXXX around XXXX to XXXX am I called us bank online and asked to talk to someone on the loan department, then they transferred me to a lone officer, and I told them i want a personal loan of XXXX dollars. then he went through the application with me online, on that process this banker was asking me all kinds of questions I 've never been asked before when applying for a loan. like where I came from and where i am spending the money and all that, am i spending the money in the united states or what. So i told him yes i was spending the money in the US after everything he told me to give him a minute to submit my application and i did. After he came back he told my i was not approved. why i am saying this is because this U.S bank is discriminating me because he knew i was XXXX. why i am telling you is that the united state is equal lending opportunity because my credit score is XXXX or more, with that i see no reason why this guy would deny me my right and secondly i have been banking with us bank since XXXX till now, there was an inside that happened XXXX when i got a credit card from us bank after awhile i went into hardship and i could n't afford the payment and interest anymore that was in XXXX about XXXX to XXXX i was still struggling to pay the credit card, i got into the credit consolidation assistance, so the credit card was forgiving about {$8000.00} or more, on that year income tax XXXX they reported the forgiving of the money to the IRS , and the IRS told me that i did n't complete my income, that the money they forgiven was part of my income, so they sent me the for and i had to pay the taxes on the money forgiven, after that my credit was bad, but i started working hard to build my credit till now so once i found out all this when the Us bank denied my right, i quickly called my other bank and gave them my information and everything, they ran my application online and i was approved and i should come and take the money right away. Then i strongly believe that U.S bank was bias about me, I am going to attach my  banking statement with U.S bank so you can see, my direct deposit is split in 3 ways and the largest portion goes to U.S bank, I don ; t know what the problem is because i am very very worried about this, sir or ma'am look into this matter so i can know how to proceed. The U.S Bank portions are at the very end of the 2 payslip.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please see the attached document for reference to the facts of this case. Transunion has grossly and willfully caused damages and injury to the Complainant in numerous ways encompassing a violation Federal Law - i.e., by knowingly violating the relevant provisions of the FCRA repeatedly with a blatant disregard to the rights guaranteed the Complainant. 

It is now XX/XX/XXXX, and since XX/XX/XXXX, Complainant has submitted AT LEAST 7 consumer disputes of inaccurate information, and subsequent requests for the method of verification under Section 611 ( a ) ( 7 ) of the FCRA, totaling at least 7 DISPUTES of INACCURATE information being held and disseminated FOR PROFIT by Transunion. 

Transunion willfully, knowingly, and without being able to show true verification or validation of ANY of the disputed information, has and continues to violate the provisions of the FCRA to the direct injury of the Complainant. NOT ONCE has Transunion, since XX/XX/XXXX, shown or provided at the request of Complainant, supporting documentation or otherwise evidence required to permit the disputed information to REMAIN on the credit file, therefore it MUST be deleted IMMEDIATELY based on this repeated failure alone. 

Complainant is seeking assistance to COMPEL Transunion to OBEY FEDERAL LAW and immediately, without further undue DELAY under the guise of an " investigation, '' to promptly DELETE EVERY DISPUTED ACCOUNT at issue that is outlined in the attachment.
Product: Credit reporting, credit repair services, or other personal consumer reports

Below are the open and close dates for each of the disputes I have opened with XXXX. Each time I ask them to provide proof that I opened the account they ask for my information ( which I have given to them more than once ) and they send me billing statements which I do not recognize at all. I provided proof of address of my residence through a bank statement ( attached ) which shows a different address than the one that was used to open the XXXX account. Also attached is the last dispute letter I sent out as well as bank statements from XXXX to XX/XX/XXXX and XX/XX/XXXX to show I still have access to this bank account. 

1. XXXX XX/XX/XXXX - XXXX XXXX 2. XXXX XX/XX/XXXX - XXXX XX/XX/XXXX 3. XXXX XX/XX/XXXX - XXXX XX/XX/XXXX 4. XXXX XX/XX/XXXX - XXXX XX/XX/XXXX 5. XXXX XX/XX/XXXX - XXXX XX/XX/XXXX
Product: Credit card or prepaid card

Well I have about two claims with bank of America edd prepaid credit card it's been more than 45 days that they still haven't resolved my claim
Product: Credit card

I have an apple credit card and it is very difficult to dispute a charge, the options are generally blocked, when you do get some support and figure out how it works it a very long process and they hardly give you any update on what they are doing.

Apple designs the whole app so intuitive yet disputing it takes hours and you have to get a chat customer service rep, i feel like the difficulty of doing this is by DESIGN, they do not want us to dispute charges. You can't even log into your account online and do there, there is just one way and it can be enabled or disabled by apple! that is absolutely bonkers! 
I am not sure if CFPB is able to go against giants like apple but i am shooting in the XXXX  here, hope you can help?
Product: Consumer Loan

Santander Bank Incorrectly stated late by thirty days on XXXX X when they clearly received on time payments. In XXXX of 2014 they marked the payment late for 30 days when they received it on time for credit reporting on XXXX XXXX 14. Yet the statement shows received on XXXX XXXX 14 and processed XXXX XXXX 14. Something similar happened in the next month. The payment was due on XXXX XXXX 14. However that date was on a Sunday. Santander processed on the Monday XXXX XXXX 14. That payment was probably received on the Friday or Saturday before the due date but processed on that Monday
Product: Credit reporting or other personal consumer reports

This is my several endeavors 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, remove 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 EXPERIAN BUSINESS CRED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit card or prepaid card

I had a problem with US Bank two months ago when they failed to apply my payment that got there on time, but they did not post it for a day. They lied! I called and told them to close my account. Last month they did not send my XXXX statement out until very late in the month, I did n't receive it until XXXX, but they did not change the due date. That allowed less than a full week to get it back to them on time because the XXXX was XXXX day and they were closed. I still got it there by XXXX. They acknowledge the receipt of the payment on XXXX, but they did not post it until XXXX, the due date. On the same day as it was due, before they posted my payment they charged me for a {$27.00} late fee, then they posted my payment. They purposely held my check until the XXXX, but they still tried to charge me a late fee! A dirty little trick, by a dirty little bank. I think they are trying to out XXXX XXXX XXXX for the leader of XXXX little tricks committed by a XXXX little  bank!
Product: Vehicle loan or lease

I scheduled my payment of {$560.00} to have it taken out on XX/XX/XXXX when I got paid, it was apparently never scheduled for the correct day, it got scheduled for XX/XX/19 which was the next payment due, no idea why this would have happened when I scheduled it for that day online XX/XX/19. It never came out of my account. I waited for about 3-4 days when checking back. I checked back online to see what the problem was and could not get logged in for whatever reason to check it. So I called Ford Credit and they told me that they apologized but there was a system upgrade and I would have to try and re-log into my account using my email instead of my user name. Had this been told to me I in writing via email or by mail I would have had some knowledge of what was going on and been able to correct this right away instead of getting a late fee. No one from Ford has even called me to let me know anything and now I am being subjected to a late charge for something I had no control over. I am a good paying customer and have been a good customer for quite a while now. I do not think that its fair that I am penalized for something I was not able to control. I am very upset about this and filing a complaint to get this corrected. I asked for the late fee to be waived and was told that I needed to go online using my email address to log in, make the payment and then the late fee can be discussed. I feel its not my fault in this circumstance since I was not able to log in and when I called no one would take my payment over the phone, that is just not fair to the consumer and I wish to have someone of authority take a look at this and contact me.
Product: Checking or savings account

Navy federal had charged me hundreds of dollars in overdraft fees because they wait days/weeks to clean or process my transactions. This has happened multiple times over the last few years Ive been with them.
Product: Checking or savings account

BMO Harris refusing to provide the checking account bank bonus after meeting all requirements. Contacted support but was not given updates and ignored.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act Wells Fargo Dealer Services, have violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on an account under an open end consumer credit plan as late for any purpose.