23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Hello your company is furnishing incorrect information, your company report late payment. Its actually goes against FDCRA 15 USC 1666B ( A ) TIMING OF PAYMENTS ( 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.
Product: Debt collection

Someone used my credit to open various accounts for credit cards including a Target store that sued me and is garnishing my wages.
Product: Credit reporting or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove/block any account that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

On XX/XX/21 I sent a letter regarding inaccurate and misleading items on my credit report. As of today, over thirty days later, I have not gotten a response regarding the items I have disputed. In accordance with the Fair Credit Reporting Act Section 611 A ( 15 U.S.C. 1681I ) it clearly states a failure to investigate these items within thirty days gives a reason to immediately remove these items from my credit report. I demand these items be removed promptly in accordance with the law. My information was also impacted by the Equifax data breach.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was informed that the CFPB could help me with some accounts on my credit that are not mine. I have reached out to the creditors and the FTC. I am really trying to do some things for my family and I cant because of these items : 1. XXXX XXXX  XXXX ( XXXX  : XXXX XXXX  : XXXX. Transunion : XXXX 2.  XXXX ( XXXX : XXXX. XXXX  : XXXX, Transunion : XXXX 3. XXXX XXXX ( XXXX  : XXXX XXXX  : XXXX Transunion : XXXX.
Product: Credit reporting

I have requested for Experian to remove an obsolete Federal Tax lien from my credit report several times. They refuse even though I have supplied them with the appropriate documents to show that the item should be removed. I do not like having to file complaints but this item is really hurting my ability to obtain credit and I have made several requests for removal with no change to my credit report.
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. 

Account Name : XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 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.
Product: Credit reporting or other personal consumer reports

Exeter finance deleted from XXXX but did not delete from XXXX or XXXX Once an account gets charged off you can not keep that on my credit report for that is income to the irs once they send the 1099c cancellation of debt form from that creditor. 15 usc code 1681
Product: Checking or savings account

On XX/XX/XXXX I received a email from Chime that my phone number has been updated to XXXX which is not my number and that my PIN number was changed. Immediately when I saw that I tried to log into my chime account but was not successful. I went back to the email and replied I did not make changes to my account and I received a link from Chime to update my information I followed the steps change my phone number back to my number and was able to gain access to my account. When I logged into my account someone had made a purchase at XXXX {$2500.00} and attempted to make another charge of {$30.00} that declined for company called XXXX. I reside in XXXX  it shows the purchase was from a XXXX XXXX location. I contacted chime and advise them I did not make the charge and started the dispute process. I was advised it can take XXXX days because the charge was still pending and its possible the funds wont go through and will go back to my card but if the payment does process it can take XXXX days to resolve. They also issued me a temporary card and are sending me a new one in the mail. On Saturday XX/XX/XXXX I received a email from chime that my dispute has been closed and no error occurred. I called Chime back to find out why was it closed and the representative could not provide me with that information so she reopened the dispute. The representative advised me to change my email address which I did and update my chime account. I am very concerned that Chime is not going to give my money back and I dont think they really did an investigation just closed my account. I have no money Please help resolve this I did not make this purchase
Product: Credit reporting or other personal consumer reports

Requested that TransUnion Consumer Services remove all outdated personal information from my credit report as they are not deliverable to me by the XXXX XXXX XXXX, and they are not reportable as per the FCRA, since they are inaccurate, incomplete and can not be proven or verified as accurate.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXXXXXX XXXX XXXXDate Opened : XX/XX/year> Balance : {$11.00} Late/Open XXXX XXXX XXXX XXXXDate Opened : XX/XX/year> Balance Owed : {$35000.00} Late/Open
Product: Debt collection

Charter communications said that the equipment was not returned. They turned it over to a collection company called XXXX group eport Number XXXX It was disputed with XXXX and they found that I did in fact return the equipment. They deleted it off the credit report. On XX/XX/XXXX. 
I am a XXXX XXXX  XXXX getting ready to pcs move XXXX and they sold whatever information they had to ENHANCED RECOVERY. They now put this back on my credit report XXXX. XXXX after it was already settled with the previous company. This is not a debt that is owed. I now can not rent and I have a wife with XXXX XXXX XXXX and an XXXX  child.
Product: Debt collection

Harris and Zide is aggressively attempting to collect on the debt that is not mine!!! I received several collection letters, threatening and offensive collections calls to myself, work and my parents house from this company stating they have a judgement and plan to garnish my wages or arrest me if I didn't pay them XXXX immediately via check by phone ... .I have written them letters asking to validate this debt as I don't recall ever having a judgement ... especially with XXXX XXXX XXXX with whom I don't have any accounts. Harris and Zide just keep sending me one letter after another ( see attached evidence ) that asks for payment in full stating they are collecting on behalf of XXXX XXXX XXXX. I did write to XXXX XXXX XXXX to the address Harris and Zide provided me for verification of this debt but address turns out to be FRAUDULENT AND LETTER WAS RETURNED UNDELIVERABLE ( see attached evidence.. ) I called XXXX fraud line for XXXX XXXX XXXXXXXX who could not find any accounts current or past due under my social # or address or name on file as Harris and Zide state , they also could not issue anything in writing because I'm not their existing or past client. I was advised by their investigation unit at XXXX  XXXX XXXX to file a complaint of Fraud collection practices and violation of F.D.C.P.A to you and to FTC which is what I'm doing today. Please help me stop this erroneous company from harassing me on the debt that is not mine
Product: Credit reporting, credit repair services, or other personal consumer reports

I obtained a copy of my consumer report and saw accounts on it that were not authorized by me. I contact all three major reporting agencies informing them that they were in violation of federal law. There are numerous violations of the federal law, the FCRA. Pursuant to 15 USC 1681 ( a ) ( 1 ), congress made clear findings that my consumer report must be fair and accurate to me, the consumer. The reporting agencies have assumed the vital role in assembling and evaluating consumer credit, on their own. By law, pursuant to 15 USC 1681 ( a ) ( 4 ), consumer reporting agencies have grave responsibilities of fairness, impartiality and respect the consumers ' right to privacy. My right to privacy has been infringed upon, and I have never given up my right to privacy, nor did I authorize them to report any information on my consumer report. The erroneous and fraudulent reporting on the reporting agencies ' part has caused me financial harm and adverse action against me. I have never given XXXX, XXXX or Equifax consent to report any accounts on my consumer file, making this aggravated Identity Theft. All three agencies are also guilty of conspiring with these companies to violate my federally protected rights. Pursuant to 15 USC 1681 ( c ) ( a ), information excluded from consumer reports ( b ) no consumer reporting agency may make any consumer report containing any of the following items of information ( 5 ) any other adverse information. Any harmful, inaccurate account furnished to my consumer report is an adverse action.

After I sent certified letters to the reporting agencies, they responded saying these accounts were verified. This I know to be not true pursuant to 15 USC 1681a ( e ), there must be an investigative report with the source of the report coming from interviews of family and friends. I do allege that no such verification exists.
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXXXXXX XXXX Balance : {$98.00} XXXX  XXXX Balance : {$110.00} XXXX XXXX XX/XX/year> XXXX  - XX/XX/year> XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$2600.00} XXXXXXXX XXXX  XX/XX/year> XXXX XXXX XX/XX/year> XXXXXXXX XXXX XX/XX/year> XXXX XX/XX/year>
Product: Credit card

Comenity Capital Bank in XXXX Ohio had closed my account long ago. I finally paid the account off in XXXX 2017. They have no grace period, and it takes several days for a payment to post to my bank. I was not notified that they had charged me a late fee of {$25.00}. Since then they have continued to charge excessive fees and I was just recently emailed I owed {$89.00} when the count was paid off and already closed. They have reported negative information on my and my co-signors credit reports despite the account being paid off and closed. I want the charges removed because if an account was already closed and then paid off no other fees should have ever been charged. They refuse to reverse the charges and to correct the credit reports which is damaging my and my co-signors credit.
Product: Credit reporting or other personal consumer reports

I have disputed this information and accounts reporting inaccurately, and sent them several letters, unfortunately the incorrect information and account is still showing. 

XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX. The following personal information is incorrect Employers : XXXX XXXX XXXX XXXX. The following personal information is incorrect Employers : XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX Paragraph ( XXXX ) any information disputed by a consumer an item of the information is found to be inaccurate or incomplete or can not be verified the consumer reporting agency shall ( i ) promptly delete XXXX XXXX XXXX XXXXXXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 
XXXX. XXXX XXXXUnder 15 U.S.C. 1681i Paragraph ( 5 ) any information disputed by a consumer an item of the information is found to be inaccurate or incomplete or can not be verified the consumer reporting agency shall ( i ) promptly delete XXXX XXXX XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report.
Product: Money transfer, virtual currency, or money service

On XXXX i did use the service at WORLDREMIT XXXX with a reference # XXXX my card was charged for {$100.00} for the remittance and the service, however after consistent calling chatting what happened to my remittance they said it was been cancelled so i said ok, but then yet they still took my money out into my account that until now i still dont have it back into my bank as I've been in constant contact w/ my bank as well.i got an email & text for the transaction for the few days saying that the amount would be available for my recipient same day, then after contacting them, again on Chat and phone call they said transaction has been cancelled. and the money has already been returned to my bank which is not.
Product: Mortgage

Flagstar is my mortgage lender and we have an escrow account with them. In XX/XX/XXXX, we received a letter from Flagstar saying they could not make an insurance payment for the period of XXXX XXXX through XXXX because our insurance lapsed in XX/XX/XXXX. That was first time we found out we didn't have insurance coverage for the entire year from XX/XX/XXXX through XX/XX/XXXX. 

I contacted XXXX XXXX and they told me XXXX 's insurance payment was not received so my insurance from XXXX XXXX through XXXX XXXX lapsed and reinstatement was not possible. However, I was able to purchase current insurance that would cover from XXXX XXXX to XXXX XXXX. 

According to Flagstar, they made an insurance payment back in XXXX and they confirmed the check was cleared but XXXX XXXX could not locate the payment. Flagstar contacted XXXX XXXX in XXXX to solve the matter but follow up did not happen which caused the cancellation of XXXX 's insurance coverage. 

On XX/XX/XXXX, we received a notice from Flagstar that they placed force- placed insurance for the lapsed period from XXXX XXXX through XXXX XXXX and asked us to pay the premium amount of {XXXX}. I don't know why we had to pay that much money for the period that was already in the past. And our normal insurance payment is around XXXX. 

I have been contacting both companies to solve the issue but they kept blaming each other and didn't want to take time to look into the matter. Is it even legal place to place backdated policy and ask us to pay the premium that was not due to our fault? If they have informed us in XXXX, we could have talked to insurance company or try to buy a new insurance. I am so glad that we didn't have any incident we had to file a claim during the period. As a borrower, we have been never late for payments and I believe escrow service should have performed due diligence with insurance to keep the insurance current. 

Do we still have to purchase insurance coverage for the period that was already passed? 

Please advise me and let me know if you need additional details Thank you so much for your time.
Product: Vehicle loan or lease

I have no knowledge of these inquiries, my social security number has been compromised and because of this illegal activity according to 15 USC 1681c-2, I expect to have all inquiries removed within 4 business days.
Product: Student loan

My wife and I consolidated our student loans in 2004 (? ) because we were led to believe we would receive a better interest rate, but when we got our first payment notice, the payment was too high for us to pay. We were not told that that would reset the clock for the period of repayment, so the 25 year clock was reset. We started with a debt of about $ XXXX. When we contacted them about the payment amount being more than we could afford they gave us a forbearance. We were not informed that we had a limited number of forbearances we could have or that the interest would be capitalized and added to the principle every year. A few years ago, when we tried to get a new forbearance, we were told we had used all our forbearances and could no longer get one. We didn't want to default and after many phone calls and much frustration, were able to get on an income based repayment plan. The principle had climbed to over {$200000.00} by that time and now our payments don't even cover the interest. Unless we take evasive action, our estate, when we die, will be consumed by our student loan debt and our kids will receive nothing. I have no problem paying back a debt I owe, but I feel as if I was cheated by Navient.
Product: Checking or savings account

On Saturday XX/XX/2023 at XXXX I attempted to deposit {$1300.00} in cash at the ATM within the Chase branch at XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA. The ATM accepted my money, but then presented an on-screen error message stating the transaction could not be completed, and printed a receipt ( attached below ) stating to call the Chase customer service number. It did not return me my money. I checked my account to see if the deposit had completed, however there was no record of it in my account. I called back on Monday XXXX/XXXX/2023 at XXXX, to open a claim about this. The operator stated the money would be credited back to my account, but 3 days later I heard nothing back, and no money was put into my account. Today, XXXX/XXXX/2023, I called back at XXXX to check up on the claim. Both the operator and supervisor informed me the claim had been denied after an ATM audit showing no record of the money, and that they could bot return me the {$1300.00}. I am planning on contacting the XXXX tomorrow to subpoena the ATM footage showing proof of the money being deposited. I have so far received no money from the deposit.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX XXXX NJ XXXX Dear : XXXX XXXX Subject : XXXX XXXX XXXX XXXX XXXX SS : XXXX Account Number : XXXX Thank you for reading my request about this account with your company. I am writing today because during my quarterly review of my accounts listed on my credit report, I noticed that this account was charged off with XXXX XXXX XXXX, XXXX. And although this account is not mine, and I have disputed the validity of I have not receive proof of this debt been mine, I do have an account with you but it's up to date. 
I move to this location a little less than XXXX  year ago, a new account was open and is been pay in timely manner. 

I am requesting that your company please forward me : A copy of the 1099-C that was issued by your company when you charged this debt off with the IRS which is required by law for all debts over {$600.00}. 
Please forward me my full payment history until the debt was written off with your company. 
Please send me a copy of the terms and conditions at the time of charge off. 

Thanks in advance. 

XXXX XXXX XXXX XXXX XX/XX/year>
Product: Credit card or prepaid card

Follow up on Compliant : XXXX Did not receive Account opening bonus of 50,000 points ( after {$3000.00} purchases ) as explained in the letter received XX/XX/2022 after many inquiries. 

Finally received the letter from US bank that said my puchase of {$170.00} from XXXX XXXX did not count as purchase requirement because it was a " Transaction to Purchase currency ''. However, I bought a gift coin set, it was hardly a currency transaction as the dollar demonination of the purchase was {$2.00}. 

It was highly unprofessional to notify the reason after so many inquiries due to a relatively simple gift purchase that was not being counted. 

It is deceptive and inaccurate to count such gift purchases as " transactions to purchase currency ''. As a cardholder without any intentions to defraud the bank, I am greatly disappointed as how this is how a customer is treated.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please pay attention to the fact that I have item reported in my credit profile. This item is reported only by Equifax that's super strange. I do not know this account and I ask you to check it and manage investigation. Somebody used my personal information or its just error in reporting but anyway I do no like it and I ask you to delete it immediately. Thank you for understanding
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I called Transunion to followup on a letter I sent XX/XX/XXXX ... about fraudulent inquiries on my credit report. I did not approve these inquiries to reflect on my credit report. I believe I am a victim of identity theft. I have a security lock on my credit report and I was not alerted to this information being authorized. I have reported the theft of my identity to the FTC. Please review the enclosed copies of the identity theft report regarding this incident. Please investigate these matters and remove the disputed items as soon as possible. 

Fraudulent Inquiries : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX