23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

My PenFed Cr Un ET AL XXXX XXXX CHECKING ACCOUNT Which is Joint with my wife & Power of Attorney advertisement says TWO DAY EARLY DIRECT DEPOSIT. 

Until today XXXX my paycheck always has been direct deposited and shows 100 % AVAILABLE on EACH & EVERY SATURDAY EARLY MORNING approx XXXX to XXXX EXCEPT DOES NOT SHOW ANY DEPOSIT OF MY PAYCHECK TODAY. 

My wife asked through their APPs SECURE email but EVERY AGENT HAS REFUSED TO ADDRESS THIS EXACT QUESTION BY ONLY GIVING NON-SENSE ANSWERS, MAKING EXCUSES OR AVOIDING ANSWERING THE QUESTION DIRECTLY - MORE ILLEGAL BUSINESS PRACTICES BY PENFED CR UNION ET AL? 

Would really really lije tge 100 % VALUD TRUTH? Can we charge Pen Fed Cr Un INTEREST FOR RESTRICTING MY ACCESS TO MY MONEY? Can they be Issued PENALTIES FOR THIS SAME RESTRICTION? 

My wife has all the emails & screenshots of secure emails requesting why, as proof for doj, FEDS TO SEE ALSO.
Product: Credit reporting or other personal consumer reports

I am writing to dispute and request the correction of inaccurate information on my credit report. Upon reviewing my credit report, I have identified has an account that is reporting late payments inaccurately. I have contacted the company associated with this account, and they have confirmed that the late payments was errors and have agreed to update my account and remove the late payments I would like to bring to your attention that other credit bureaus have already corrected this account on their end. Therefore, I kindly request that you update my credit report to reflect this corrections. I understand that you are required to conduct a reasonable investigation into disputed item. I request that you investigate this account promptly and make the necessary corrections. 

Please provide me with a written response acknowledging the receipt of this dispute letter and informing me of the actions you will take to rectify the inaccuracies on my credit report. I also request a free copy of my updated credit report once the corrections have been made.Below is the account in question : XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX -reported late payments during COVID Discover - Late payment
Product: Debt collection

I have reached out to Portfolio Recovery Associates LLC and requested information in which I have yet to receive a response. Portfolio Recovery Associates LLC is in violation of my rights as a federally protected consumer.
Product: Credit card

I APPLIED FOR A CREDIT LINE INCREASE WITH CAPITAL ONE. THE DENIAL REASON INDICATED " YOUR AVERAGE MONTHLY PAYMENT IS TOO LOW ''. I HAVE CONSISTENTLY PAID MY MONTHLY PAYMENT ON TIME AS WELL AS PAID MORE THAN THE REQUIRED MINIMUM PAYMENT UPON BILLING CYCLE. MY CREDIT CARD ACCOUNT IS INTEREST FREE, THUS THERE WAS NO INCLINATION TO RUSH TO PAY OFF ACCOUNT, ALTHOUGH I MADE MORE THAN THE REQUIRED MINIMUM AMOUNT DUE. THE PROBLEM SEEMS TO BE THAT I HAVE MADE SEVERAL SMALL INTERMITTENT PAYMENTS, WHICH ARE BEING TAKEN INTO CONSIDERATION. HENCE, THE " TOO LOW MONTHLY PAYMENT '' RATIONALE FOR DENIAL. THE SMALL PAYMENTS I MADE WERE NOT REQUIRED. THEY WERE SIMPLY DISCRETIONARY PAYMENTS WHICH I HAD NO IDEA WOULD POSE A NEGATIVE IMPACT UPON EVALUATION FOR A CREDIT LINE INCREASE. I HAVE PAID MORE THAN THE ACTUAL REQUIRED MINIMUM PAYMENT EVERY STATEMENT PERIOD. CAPITAL ONE HAS DEMONSTRATED UNFAIR CONSUMER PRACTICES BY CONSIDERING MY PAYMENTS WHICH ARE NOT REQUIRED OR RELEVANT TO MY ACTUAL REQUIRED BILLING STATEMENT. FURTHERMORE, THE SMALL PAYMENTS DO NOT INFLUENCE MY CREDIT REPORT IF THEY ARE NOT RELEVANT TO AN ACTUAL REQUIRED PAYMENT. THE DENIAL REASON IS NOT SUBSTANTIATED BY FACTS. A REVIEW OF MY ACCOUNT CLEARLY REFLECTS THAT I HAVE PAID MORE THAN THE MINIMUM PAYMENTHE UPON BILLING CYCLE. ANY OTHER PAYMENTS MADE ON ACCOUNT OUTSIDE OF BILLING CYCLE SHOULD NOT HAVE BEEN USED AS AS A BASIS FOR " LOW PAYMENT '' DENIAL REASONS. NOT TO MENTION, SMALLER PAYMENTS WERE DISCRETIONARY. I APPLIED FOR AN AUTOMATED CREDIT LINE INCREASE ON XXXX/XXXX/16 AND WAS APPROVED FOR {$750.00}, BUT I DECLINED OFFER AND DECIDED TO WAIT. I REQUESTED A CREDIT LIMIT INCREASE FOR THE SAME ACCOUNT ON XXXX/XXXX/16 AFTER CHANGING MY MIND FROM PREVIOUS XXXX/XXXX/16 REQUEST AND RECEIVED THE DENIAL REASON WHICH I AM DISPUTING. I WAS APPROVED UPON REVIEW OF THE SAME PAYMENT HISTORY FOR A CREDIT LIMIT INCREASE ON XXXX/XXXX/16, BUT DENIED ON XXXX/XXXX/16 UPON RESUBMISSION.
Product: Credit card or prepaid card

XX/XX/2018 XXXX XXXX Interim Director Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX Washington, DC XXXX Dear Mr. XXXX : I am requesting your assistance with the attached charges on my Capital One credit card account. I have contacted Capital One on multiple occasions since XXXX regarding the XXXX charges on my account. After multiple phone calls and letters to Capital One, I was directed to contact Fraud Investigator XXXX. Despite my calls being transferred to the Fraud Investigator on multiple occasions, I have not yet received any responses from the Capital One Fraud Investigator. 

My sister-in-law XXXX XXXX has XXXX and I purchase wigs on a regular basis to help her with feeling more beautiful as her hair regrows after XXXX. I recently learned that the XXXX charges on my account were from vendors XXXX XXXX and XXXX. 

On XX/XX/2018, I purchased an item from vendor XXXX XXXX and received the attached email even after I paid for the item. I contacted Capital One regarding the fact that I was sent the attached email and did not receive the item purchased. 

On XX/XX/2018, after not receiving the item purchased from XXXX XXXX, I again purchased the item from vendor XXXX  and again received the attached email after I paid for the item. I again contacted Capital One regarding the fact that I was sent the attached email and did not receive the item purchased. 

On XX/XX/2018, I purchased an XXXX from XXXX that stopped working properly. Capital One continues to charge me the funds for this phone even after the phone was returned to XXXX and another XXXX was purchased on my Capital Once credit card and my phone number was transferred from the non-working XXXX to my current XXXX. 

It has almost been one year since I have first contacted Capital One regarding these purchases and Capital One has refused to reimburse me for items I have either not received or returned to the vendor. 

Sincerely, XXXX XXXX Cc : XXXX XXXX, CEO, Capital One
Product: Consumer Loan

I acquired this loan on XXXX XXXX XXXX XX/XX/XXXX. I am so sorry that I ever agreed to let this company finance my loan. It has been nothing but XXXX and heartache. I have had this loan now for five years of XX/XX/XXXX. 
Over the length of this loan I have made late payments. The reason for this was either being laid off, lost a job and unable to find a new job. I am not currently on XXXX and making much less then I was making. 
Since the loan began I have made 45 payments. In those 45 payment I have made payments in the amount of {$18000.00}. From those monies the company has applied {$14000.00} to interest, {$3000.00} to the principal and {$1300.00} to late fees. So how is it over a five year period they have only applied a little of XXXX dollars to the principal. This clearly is a rip off. 
I received my current statement in the mail yesterday and they are telling me the amount due is {$1800.00}. They have to be at of their XXXX minds. I was behind and received a letter stating that they wanted {$1000.00} to make the loan current and I made that payment on XX/XX/XXXX. Then in XX/XX/XXXX made a payment of {$400.00} They are clearly taking advantage of their customers. On this statement they are saying there is past due amount of {$400.00}, accrued interest in the amount of {$210.00} and Unpaid late fees in the amount of {$1000.00}. 
This is absolutely crazy that these creditor are allowed to take advantage of hard working individuals. So my loan it do to mature on XX/XX/XXXX. How in the world will that ever happen at the rate they are XXXX me?????????
Product: Student loan

XXXX XXXX misinformed me and by using what I consider a dishonest scheme, my payments over 9 years have not paid down my principal amount. My total payments to date have all been applied to interest. During that time I've made consistent payments by automatic withdrawals. It appears that without my consent, I was placed under a repayment plan that wasn't paying down the principal amount. 
I reached out to understand what was going on with my payments and I got no solution.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX and Trans Union are not responding to any of my requests to provide me with the documentation with the original signatures proving the accounts do in fact belong to me.
Product: Credit reporting or other personal consumer reports

You replied that the alleged transactions that you identified as late is verfied. The following accounts are : XXXX XXXX : Account # XXXXXXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX Account # XXXX XXXX : Account # XXXX You have no proof that this alleged transaction was late. 15 U.S.

Code 1666b -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. In order for any creditor to treat a payment as late you must prove that : 1 ) The information required under 15 USC 1637 ( b ) of this title was mailed out or delivered 21 Days before the payment due date please provide the proof that this information was mailed out or delivered 21 days before the statement date. 2 ) 15 USC 1637 ( b ) is very specific on all required information needed or that must be mailed or delivered to the consumer! You have 10 days to send me all the required information. Your reply to my dispute is Verified, have you verified what the requirements are for a creditor to treat a payment as late? The fact that you verified the information means that you are in possession of the information that was sent or mailed 21 Days before the statement date, and you are in possession of a copy of all information from 15 USC 1637 ( b ) and the Certified mail tracking number that proved the delivery of said information for you to verify this item as late! I am requesting a copy of the information pursuant 15 USC 1637 ( b ) and the tracking number that was used to prove delivery of said information to me the consumer 21 days before my statement date regarding this account. 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( 5 ) Treatment of Inaccurate or Unverifiable Information. ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of 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 that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Attached to this complaint is identity documents for verification of my identity. Banks, credit unions, creditors, and lenders are having an issue of obtaining my credit report and XXXX XXXX from XXXX XXXX XXXX XXXX, Experian XXXX XXXX XXXX, Experian, and XXXX. Lenders need to be able to pull, access, and obtain my credit report from XXXX XXXX XXXX XXXX, Experian, and XXXX. I want XXXX XXXX XXXX XXXX, Experian, and XXXX to delete and remove all fraud alerts and extended fraud alerts from my credit report and release my credit report and XXXX XXXX to any bank, credit union, lender, or creditor who request my credit report. Full Name : XXXX XXXX XXXX, XXXX : XX/XX/XXXX XXXX : XXXX
Product: Credit card or prepaid card

In accordance to the fair credit reporting privacy act. XXXX account Capital one XXXX has violated my rights. 
15 USC 1681 section 602 States I have the rights to privacy.

15 USC 1681 section 604 A 2 States a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B a creditor may not treat a payment on a credit card account under an opening end Consumer Credit plan late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act Account XXXX XXXX Account number 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, I am a living human being, I have rights under 15 USC 1681. I have reached out numerous of times after Equifax said that a proper reinvestigation after my initial letters and complaint for XX/XX/XXXX was done. However I still have multiple duplicate inaccurate accounts listed on my credit report which are affecting my livelihood and ability to obtain proper credit. 

Equifax is govern by 15 USC 1681. And they have violated my rights numerous of times. I demand these accounts listed below be removed because : According to 15 USC 1681 : I have a right to privacy and I did not give Equifax written permission to furnish these accounts. 

Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( This account is listed twice ) ( Improper Reinvestigation ) XXXX XXXX XXXX ( This account is listed twice ) ( Improper Reinvestigation ) XXXX XXXX XXXX ( This account is listed twice ) ( Improper Reinvestigation ) XXXX XXXX XXXX ( This account is listed twice ) ( Improper Reinvestigation ) XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

Cash Colorado LLC d/b/a Speedy Cash failed to exhaust all administrative remedies before filing a lawsuit. I did not know I had an outstanding debt with Cash Colorado LLC until they served me with a summons ; I thought I had paid it in full ; because I had not received any bill or correspondence from Cash Colorado LLC. The attorney fees, court fees, and interest are out of my means to pay.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S. C. 1681 c-2 ), that TransUnion block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of receiving this complaint. This fraudulent, inaccurate, and false information consists of multiple accounts and inquiries that were opened or made without my authorization. The following accounts are fraudulent and need to be removed from my credit report. 

XXXX XXXX - Opened XX/XX/XXXX with a balance of {$10000.00} XXXX - Opened XX/XX/XXXX with a a balance of {$2700.00} XXXXXXXX XXXX - Opened XX/XX/XXXX with a balance of {$380.00} XXXX XXXX XXXX - Opened XX/XX/XXXX with a balance of {$140.00} XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX with a balance of {$0.00} There are also fraudulent addresses which I do not recognize : XXXX XXXX XXXX XXXX XXXX FL XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX All of the aforementioned accounts, and inquiries are the result of identity theft and fraud. I have attached a copies of the FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer loans, and inquiries are the result of identity theft and fraud
Product: Checking or savings account

I had XXXX stolen from my Illinois unemployment card account and I received a check for XXXX and key Bank refuses to return my money
Product: Vehicle loan or lease

Financial Pacific Leasing ( FPL ) violated 12 CFR 1026.4 ( B ) ( 8 ) which talks about premiums for insurance against loss or damaged property. The GAP insurance on the retail installment contract is not included in the finance charge. This charge was added to the account after I signed the contract and was involuntary drawn ( ACH ) from my account in addition to Maryland Commercial Vehicle and Business Insurances being maintained. 
( FPL ) violated 16 CFR 433.1 ( f ) which mentions what a " contract '' is and that is between the seller and the creditor. The retail installment contract, nor Oral contracts, that is linked to account is not with Financial Pacific Leasing, they were with XXXX therefore there should be no obligation to pay Financial Pacific Leasing since XXXX was already paid on this contract. I am aware they call every year since I Indorsed for two vehicles, to see if im ready to Indorse another vehicle.

Financial Pacific Leasing violated 12 USC 83 which states no association shall make any loan on its own stock. ( FPL ) violated Maryland title 12 102 which states the maximum amount interest that can be charged is 6 %. Any rate above 6 % in the state of Maryland is considered usurious. On account we are contracted for 60 % of the total cost of Fair Market Value. The Vehicle was {$42000.00} and they would not finance me until I agreed to add to {$25000.00} to the Loan ( XXXX ), Orally. I assume the collateral security attached to this account was sold to Financial Pacific Leasing. Which Financial Pacific Leasing hired an attorney and repossessing the vehicle through the courts, when in reality the contract was paid through performance. I have a counterclaim in the Federal Courts as all my motions to vacate the judgement have been denied representing Pro Se. I attempted to settle the matter out of court, however I am at a lost at this point and damages are adding up daily as this vehicle is means of feeding my boys.Violating Title 42 USC 1983 under the color of Law. I was not made aware of our rights when doing business with greedy, manipulative people and companies. The Hardship I am experiencing is the Lesson. how do I standup to fraud? Read, there is an answer to how can you do this to me and get away with it!? Aware of the laws described herein my complaint and notice of rescission attached, bringing attention to the violations committed by Financial Pacific Leasing and XXXX to rescind only the illegal parts of this contract. They never responded, in lieu, filed a sue against me upon which they won as I was not served the legal documents upon which they are suing.
Product: Debt collection

In accordance with the Fair Credit Reporting Act these accounts listed below have violated my rights. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 15. U.S.C 1681 section 602 A States I have the right to privacy. Section 604 A section2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX Showing Past Due on a closed account and getting notification for late payments. Past due balance on all 3 reports inaccurate XXXX {$66000.00} {$66000.00} . How can I be late on a close account. REMOVE ACCOUT FROM REPORT. Date of last active on the account inaccurate Trans-XXXX, XXXX, XXXX. Only lived at XXXX XXXX XXXXXXXX XXXX, OK XXXX
Product: Debt collection

Family member opened account In my name and I am not responsible for debt this is identity theft. I tried to contact business to clear off report and was told no.
Product: Credit reporting or other personal consumer reports

I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items : late payment XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX personal information Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Previous Address ( es ) : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Employers : XXXX XXXX  Employers : XXXX XXXX  Name : XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted documentation that XXXX, XXXX, and Equifax have been sharing improper accounts on my credit report. They are in violation of code section 609. 

XXXX is reporting inaccurate account : XXXX XXXX  XXXX Equifax is reporting inaccurate account XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX is reporting inaccurate account : XXXX XXXX did not get my consent to share on my report ( PLEASE REMOVE ), XXXX, and XXXX XXXX
Product: Checking or savings account

On XX/XX/2021 I ordered a product online. They invoiced me the same day but for {$100.00} more than advertised. The email was a no reply email, so I went online to get the contact info for the company to cancel my order before it shipped. The company I emailed, that was on the products website replied that it was not their invoice that was emailed to me and they don't show any orders from me. I promptly contacted Chime to let them know there was a problem with the charge. They gave me a provisional credit bu on XX/XX/XXXX, they reversed the provisional credit of {$190.00} without valid explanation. I have emailed and called speaking to 2 different reps, none able to help me. This charge is legitimatly fraud as I don't have the product and I have no way of contacting the company however Chime won't protect my money or me as a consumer and credit my account and debit the company making the charges. So right now I'm out {$190.00} without a way of recouping the funds. Can someone help me get Chime to protect my funds against this fraud?
Product: Credit card or prepaid card

I was offered a gift card of {$120.00} with approval for XXXX XXXX XXXX American Express credit card. I got an email with approval but have not received my {$120.00} gift card. Have tried speaking to both XXXX customer service and American Express customer service. They are giving me a run around. Have been on the phone for an hour today and a few minutes yesterday.
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital One credit card changed my online account without my knowledge to a fixed payment from minimum due. A payment was made to Capital one in this month they claim it was late but it was a fixed payment of {$75.00} and not enough to cover the minimum due. No emails or letters were sent to me until it was to late or I would have corrected the issue.I have since paid off the credit card so that this fraudulent company can't do this to my credit again to me! I`ve contacted several individuals at Capital One to resolve without any success. 
Thanks XXXX