23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

I have many issues that I 'm dealing with but I will list them below : # 1 Experian has a security freeze and fraud alert on my credit file and I never authorized or requested this to be placed on there. I have written to them and requested that this be removed 4 times now to no avail. With each letter I include my identification as required. 
# 2 I am receiving letters stating that they will no longer investigate ALL of my accounts which is a violation of section XXXX. Their words are literally that they will not investigate the SAME dispute, and I have never submitted the SAME dispute # 3 Experian took 40 days to send me results # 4 When I call, I am given no answer and told to write a letter. See # 1
Product: Credit reporting or other personal consumer reports

I noticed on my credit report there are 4 late payments with XXXX XXXX. 

In accordance with the Fair Credit Reporting Act, this creditor has violated my rights.

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

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

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

I submitted a request to defer my student loan payments because I am currently enrolled as a XXXX. I filled out XXXX forms provided by my loan servicer to request an in school deferment, Discover Student Loans, a " Deferment Request Form '' and a " School Enrollment Verification Form. '' The " School Enrollment Verification Form '' asked a school official to state the academic periods during which I am and have been enrolled at least half time, the date on which I am reasonably expected to complete my program requirements, the school name and address, the signature of an authorized official and that official 's title, and a date. The form states that " the school may attach its own enrollment certification report listing the required information in lieu of completing this section. '' My university did so, attaching a " Verification Transcript '' in lieu of completing the certification section on the " School Enrollment Verification Form. '' The Verification Transcript provided all of the information requested by the form ( and more ). I mailed the XXXX forms and my school 's enrollment certification report to my loan servicer. However, I received a letter back from my loan servicer, stating " We were unable to process your request for an In School Deferment because we were not able to verify your enrollment status. Please have your school send us a letter. '' The letter then specified requirements that a letter from a school official would need to satisfy, all of which were satisfied by the verification transcript that I had sent to my servicer ( and some of which were not listed on the " School Enrollment Verification Form. ''
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Experian regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX and XX/XX/XXXX Nature of Complaint : I submitted a dispute to Experian disputing a late payment reported by XXXX XXXX I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : The payment in question was made on time, as evidenced by the attached bank statements and payment confirmation receipts.

There may have been a clerical error in reporting the payment due to inconsistencies between my payment records and the reported information.

I have confirmed with my creditor that the payment was processed within the allowed grace period.

Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Experian has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report.

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being.

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act.

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX
Product: Debt collection

they are saying THAT I OWE XXXX XXXX XXXX. 
I DONT OWE XXXX ANYTHIG. THEY SAID THE DATE WAS XX/XX/year>. 
THEY CAN NOT SHOW ME A BILL. I DISPUTED THE DEBIT BUT THEY KEEP HARASSING ME TO PAY. 
PLEASE HELP ME. 
THANK U. 
XXXX XXXX 
XXXX XXXX.
Product: Credit card or prepaid card

On XX/XX/2023, my husband and I received individual letters in the US postal mail from Bank of America, XXXX XXXX XXXX, XXXX, Texas XXXX. It was a low promotional APR off on new purchases. Both offers were based on the Bank of America " Cash Rewards '' credit card which both my husband and I possess individual credit card accounts with BOA. Both my husband and I enjoy the same individual credit scores in the XXXX. My husband 's promotional offer was 1.99 % promo APR on new purchases for nine billing cycles with a 13.49 % variable APR thereafter ; however, my offer was 5.99 % promo APR on new purchases for nine billing cycles with a 17.24 % variable APR thereafter. I was shocked to see such discrimination against women and/or age. On XX/XX/2023 at XXXX am XXXX, I called Bank of America 's Credit Card Sales Dept at XXXX in XXXX, AK and they verified the promotion was for only those with " Cash Rewards '' BOA cards but could not justify the discrepancy between our male ( younger ) and female ( older ) offer. They said they would pass on this problem and BOA will call us back. The BOA call never came. Therefore, I am requesting CFPB to investigate sex-based discrimination practices with BOA 's promotional APR offers to their customers.
Product: Debt collection

Bank of America 's Attorney XXXX XXXX of XXXX XXXX XXXX XXXX. 

1. XXXX XXXX Bank of America sent a sheriff to my home and place of work. To serve me a lawsuit in front of a client family and all the people in my neighborhood who were outside at the time. This is a form of harassment pursuant to 1006.14 ( a ).

2. By sending the sheriff to my home they falsely implied I was a criminal 1006.18 ( b ) ( 1 ) ( iv ).

3. By sending the sheriff to my home and place of work they were falsely implying that they were vouched for, bonded by or affiliated with the United States by the sheriff to serve me. This is a violation pursuant to 1006.18 ( b ) ( 1 ) ( i ).

4. They contacted me at an inconvenient time while I was working at my home to serve me for a lawsuit pursuant to 1006.6 ( b ) ( 3 ) and 1006.6 ( b ) ( 1 ).

5. I the consumer never gave them consent to initiate a lawsuit against me pursuant to 1006.30 ( d ) ( 3 ).

6.The debt collector ( XXXX XXXX XXXX and XXXX XXXX XXXX ) for Bank of America claimed they were an attorney this is a violation pursuant to 1006.18 ( b ) ( 1 ) ( iii ) XXXX XXXX. 

7. And again the debt collector ( XXXX XXXX XXXX XXXX and XXXX XXXX. ) for Bank of America claimed they were an attorney this is a violation pursuant to 1006.18 ( b ) ( 1 ) ( iii ) XXXX XXXX. 

8.When I sent the debt collector a request for validation on XX/XX/2021 they did not respond within the 5 days stated pursuant to 1006.42 ( i ) ( b ). They did not respond until XX/XX/2021. 

9. XXXX XXXX of XXXX XXXX XXXX XXXX. the debt collector for Bank of America and Bank of America used logos on their letters which is goes against 1006.10 ( b ) ( 4 ) XX/XX/2021. 

10. XXXX XXXX of XXXX XXXX XXXX XXXX. the debt collector for Bank of America and Bank of America used logos again on their letters which goes against 1006.10 ( b ) ( 4 ) XX/XX/2021. 
.
Product: Credit reporting, credit repair services, or other personal consumer reports

Here attached is a copy of this creditor reporting inaccurate information on my credit report to XXXX and Transunion, 1- there attached is factual proof highlighted in a red marker where they state i was " 60 days late : to one bureau on XX/XX/2015 and to the other bureau they report " 30 days late '' how is this accurate? 
2- After the " closed date '' they report activity as " ok '' and " 30 days late '' how can a account be paid on time after being closed? 
3- The vice president of XXXX XXXX Mr XXXX says in a letter attached that they are not reporting any payment of {$9.00} and as you can see in attached report that is false. 
4- this creditor has not sent me any proof this account belong, no copy of any agreement, contract or application with my signature. 
5- They refuse to send me an itemized account history with all charges, fees and debit. copies of canceled checks to prove the late date they are reporting. 
All my claims are verified in attached copies of my credit report highlighted in red marker. 
This inaccurate reporting is hurting my ability to obtain a fair credit score for a new job please see all documents included.
Product: Credit card

XX/XX/25 - found on current statement that XXXX paper statement fee was charged. Checked the previous statements, I was charged XXXX XXXX dollars from XXXX, XXXX, XXXX, and XXXX. 

Called the customer service to inquire when was the consent retrieved regarding this fee. To their record they did not ask for the consent and have failed to inform the customer properly. 

The manager said we do not need to ask nor receive consent as to how much fee we charge to customers. Manager said that the company does not need my agreement to charge any fees to the credit card. Manager declined to refund all XXXX charges that were never fully disclosed to the customer. 

This is fraud and very concerning attitude coming from a manager from a company who withholds my credit card and financial information. When brought this concern to the manager and asked to remove my financial information from that company by cancelling this fraudulent credit card, the manager threatened and said I will never be able to open this credit card again and also denied my rewards that Ive rightfully earned through their promised rewards program.
Product: Student loan

Great Lakes keeps adding balances and subtracting balances from my account. this is adversely affecting my credit score! Iam in the middle of financing and their frequent updates are detrimental to this process. For one, they did not have my correct contact information and i was not able to be notified i was out of forbearance. I respectively ask that the lates from XXXX be removed and set current. As soon as i contacted Great Lakes my loan was put back in forbearance. Also, I want all loans older than 7yrs off my credit report, as that is more than the SOl for my state. I need this done ASAP, as Great Lakes is doing illegal collecting and reporting practices.
Product: Checking or savings account

td bank XXXX maintenance fee was told anytime my account falls below XXXX from XXXX of the month to the XXXX of the month i will be charged XXXX fee no grace period and even if i put money back in the account the next day i still get charged the fee.
Product: Mortgage

Applied for a refinance, at their request, with Freedom Mortgage of our current mortgage that they had done 2 years ago. We were unable to communicate with them most of the process due 3+ hour hold times and no response from emails. They missed the original lock period because they failed to be able to complete it. They then extended the lock, but failed again to be able to close it in time, although all items were provided to them timely. We tried many times to call but were unable to get through. Emails went unanswered. Approximately 1 week after the 2nd lock expired, they called and were ready to close. Upon review of the docs, they were asking us to pay 2+ points, amounting to approximately {$13000.00} in closing costs. There was no discussion with us regarding this fee. Fortunately, I have experience with mortgages and reviewed the redisclose docs and noticed that they added the points and fees with no discussion with us. When we spoke to escalations, they would just leave us on hold for 2-4 hours while they researched it. After hours on hold, they would hang up. After many calls, being on hold for over 20 hours, we gave up trying to get speak to them.
Product: Credit card

US Bank issued XXXX credit cards to my business. Each card had a separate statement, balance, credit line, reward program. After a few months the cards were XXXX declined. Paper statements and online banking XXXX showed in excess of {$15000.00} credit available between the XXXX cards. The bank asserted that the total corporate credit was {$16000.00} and the balance was maxed out. Multiple bank employees looked at the account and reported that there should be plenty of credit still available. After calling around they then returned to say that there was only {$16000.00} credit total rather than {$16000.00} per card. 
In the process of applying for the cards, the business also applied for a line of credit through US Bank. Under the advisement of the business banker we requested {$25000.00}. It was denied because we had too much credit with US Bank. We were advised that as long as we were under {$50000.00} we should qualify for the loan.
Product: Debt collection

This bill should not have been given to me. 
This was fraudulent activity that was done, and billed to the incorrect person. 
When dealing with this before, it was removed several months ago ( {$640.00} ). 
Now, it is back on my credit report and this is stopping me from closing on a home. 
This bill does not belong to me. I am very very upset. This is not fair for someone who works hard, pays taxes, and pays bills all of the time.
Product: Debt collection

I agreed with XXXX XXXX XXXX to settle my debt and have it removed from my credit report for XXXX dollars and they left a balance on my credit report for XXXX. 
Totally illegal
Product: Credit reporting or other personal consumer reports

I am writing to dispute the continued presence of inaccurate addresses on my credit report. Despite prior disputes, these incorrect addresses remain listed : These addresses do not belong to me and are irrelevant to my credit history. I have previously submitted documentation confirming my correct addresses, but this errors persist, violating the Fair Credit Reporting Act ( FCRA ). Their continued presence could negatively impact my credit report. 

XXXX XXXX XXXX, XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Product: Credit card or prepaid card

I opened up a chase freedom unlimited account on X/XX/17 with a credit line of XXXX, i made some purchases for XXXX. I opened up a chase freedom account a few weeks after with a credit line of XXXX which i never got to use because chase bank closed down both of my accounts. I did not know my accounts we 're closed until my cards got declined at the store. I called chase to see what was going on and they said my cards had been closed. I received a letter stating why the accounts were closed and it said due to rapid increase in revolving credit, and not enough credit information on file. I called and asked them why did they open up not one but two accounts if that was the case, as well as i didnt know i had to spend a certain amount within a certain amount of time. I have credit history on file, so i am not understanding why they would close both of my cards down which one i never used. I feel as though i was targeted for some reason and chase should be ashamed of themselves.
Product: Credit card

Today makes the XXXX time I couldnt make a online purchase with this company the other one was back in XXXX my card got declined several times during check out I called and informed them I could not make a purchase for a little over {$85.00} fidelity swore they wasnt blocking my card to where I couldnt use it but I know otherwise fidelity doesnt give straight answers and doesnt fix the issue which led me to filing a complaint. I just filed a complaint a few weeks ago about card issues Its because this company doesnt address anything They just told me they dont know why my account is suspended or etc I said either way Im not able to use the card and I dont want them to retaliate against me so this time I am looking for some answers this route either way my card should not be declining if I was in a serious situation, it would be a very sad thing this is for my account ending in XXXX I also finally called the other company and they told me that it is not on their end for my card not accepting the order also I have my account on paperless statements and every month this company still sends me out statements and the mail kicks back to my old address and gets returned to my old addresses causing my entire account to send me emails saying I have to call in to verify my information in order to use my account I have had a lot of issues/ concerns within the small about of time of having the fidelity rewards credit card to where its getting frustrating keep putting in complaints about the same stuff I also noticed they used to be a messaging system where you can send him a message online and I dont see it online anymore so I have to automatically call them all the time so thats very inconvenient to me as well as in this situation I couldve sent him some screenshots of what I was looking at for my decline card either way as of today my card is still not working. I also noticed when I call in this company asked me an extensive amount of verifying questions that takes a lot of energy and Im not sure why they have that going. Also, every time I use my username and password to log into their website, Im always asked to have a passcode get sent to me. They have a two-step verification enabled on my account which I do not prefer to use, but the problem is if I put my username and password in and didnt have another option for a security code to get sent to me. I will be locked out so I would like them to remove the security 2 step off my account that comes after I put my username and password in thank you
Product: Debt collection

You did not mail me my rights to dispute the validity of this debt, instead you reported the debt anyways to thew credit reporting agencies. I have filed this complaint with the CFPB for your willful violation under the law.
Product: Credit reporting or other personal consumer reports

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

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

I was notified by rise credit that I had taken out a loan and never paid. I informed them that I had not taken out a loan online and asked for proof. The company never sent proof that I opened this loan online and continue to pursue this debt along with reporting to the credit bureaus
Product: Debt collection

I sent them a debt validation letter in XXXXXXXX XXXX XXXXXXXX, by certified mail, the return slip was returned after XXXX indicating they got my mail on XXXX XXXXTodate I have not received a response. 
Today XXXX XXXX I called the number XXXX XXXX XXXX to speak to someone, I was transferred to XXXX XXXX, I remember me speaking to this lady in XXXX when she called me threatening me, that my credit was going to get ruined, I will never ever be able to rent in the United States. Today she was rude again and told me they had decided not to send me anymore documents to validate because they have sent a couple of times. Its not true because I personally check my mailbox every day I have not received any documents from them. 
It's evident that this company fraudulently bought or obtained this debt to ruin my credit. 
I am a XXXX XXXX who has gone through so much financial stress since the XXXX XXXX XXXX XXXX XXXX XXXX.I have been living in XXXX XXXX XXXX because I can't find anything I get denied all the time because of this collection on my credit. 
This is what this company wanted to ruin my life.Amount is collection is {$5800.00} IQ Data international Inc XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX