23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

On XX/XX/2019 in the early afternoon I was trying to use my card at a museum for {$9.00} when it was declined several times. When I checked in on the app it said I needed to call them. It was strange they did not call or email me because they have my contact information which has not changed for years ( since the account was opened ). After an unsuccessful resolution with the first person I talked to a supervisor. The supervisor said he could not use my phone number to validate me. I asked why because they have used it for years and it has not changed since opening the account. He asked if I had another number they could use to validate me. I ended up giving them a phone number of a family member and he sent them a validation code. This is very strange and completely insecure that Citi Bank allowed a number I have no control of to validate me. This is a HUGE warning of major privacy and security holes in their protocols for validating. My account could have been hijacked and still could. They did not attempt to contact me in any way when they sensed a problem ; not a call, email, or a code through the app installed on my phone. The supervisor could not ( or would not ) explain why they allowed a number never associated with my account to validate me. I guess I am lucky I have a good relationship with my family. He also never would explain why there was a problem in the first place. 
It is shocking Citi Bank do not offer software Time-Based-Tokens 2-Factor-Authentication which is the standard for high security web based authentication.
Product: Credit reporting or other personal consumer reports

I hope this letter finds you well. I recently obtained a copy of my credit report and noticed multiple discrepancies, including unauthorized inquiries and conflicting information on the same accounts across the credit bureaus. 

These discrepancies include differing account numbers, dates of last activity, last payment dates, balances, account statuses, and original balances. The listed accounts are as follows : XXXX XXXX XXXX XXXX Important dates Inquiry date XX/XX/year> XXXX XXXXXXXX XXXX  Important dates Inquiry date XX/XX/year> XXXX XXXX Important dates Inquiry date XX/XX/year> XXXX XXXX XXXX Important dates Inquiry date XX/XX/year>XXXX XXXX XXXX XXXX Important dates Inquiry date XX/XX/year> I request that you provide me with complete documentation related to these accounts. This should include the original contract bearing my wet signature, full transaction history from the date of account opening to the present or closure, and any other documentation used to verify the accuracy of the accounts.

I want to remind you of your obligations under 15 U.S. Code 1681e ( b ), which necessitates following reasonable procedures to assure the maximum accuracy of the information relating to the individual on the report.

Furthermore, under 15 U.S. Code 1681i ( a ) ( 5 ), in the event of any disputed information being found inaccurate, incomplete, or unverifiable during any reinvestigation, the consumer reporting agency must promptly delete or modify that information and notify the furnisher about this alteration or deletion.

As such, I expect a thorough investigation into this matter. If you're unable to provide verifiable proof within 15 business days after your investigation, the disputed accounts and/or the listed information must be removed.

Enclosed you will find copies of my ID and a utility bill for identity and address verification.
Product: Credit reporting, credit repair services, or other personal consumer reports

LexingtonLaw was charging me monthly and and never helped me out
Product: Debt collection

Hello so i had a Bank of America credit card in the past that i had paid off about two years ago. So two years ago when i paid it off about a month later i noticed charges on it that i did not charge. I informed Bank of America of the charges they took it off and stated they would send out a new card. I never received the new card. The charges happened again. So i called to let them know number one i never received the new card and now number two i have more fraudulent charges. They once again said they would send another card. Still never received it and i was once again hit with a THIRD fraudulent charge. So finally they overnighted a card to me which i received. After that i had no more charges but they tried to make me pay for the third charge that happened. I did not make any of these charges. I have tried contacting them and telling them and i have got no where. So i hired a lawyer in NY where i was living at the time. They had me write 3 Letters one to each major bureau. So i thought that had it taken care of to get it off my credit report. Until recently i got a letter in the mail saying it was in collections. I called the collection agency to explain and they just transferred me to Bank of America. Which i get no where talking to them. This has affected my credit alot. It affected me finding a place to live along with other things such as applying for credit cards etc. It is not fair that they are trying to make me pay a debt in which i did not charge to begin with. Also to add on when i tried to go back and look at the statements when the charges where made the whole month of XXXX had dissappeared.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019, I noticed that there was an inquiry to my TransUnion report. The inquiry was submitted by XXXX. 

XX/XX/2019 at XXXX XXXX ( Hawaii ) I called XXXX at ( XXXX ) XXXX to address the concern that someone fraudulently is using my information to open an account. The woman said that there was most likely a mistake that someone " entered something wrong '' and that there was nothing they could do, and that there was no way for them to track who did it. 

I've never had a XXXX account in my life. This inquiry should be removed from my credit report, as multiple inquiries can affect your score and the obvious fact that this was someone else ( fraudulent or " mistake '' ). 

Thank you for your help.
Product: Credit card

I was charged a late fee by Chase on a balance that was due on a Sunday. My bank was unable to process the payment electronically until first thing Monday. They have refused to acknowledge that was in violation of the Credit Card Act of 2009. Have the companies such as Chase found a way around this act?
Product: Credit card

There was a rule finalized by CFPB that credit card companies could charge more than {$8.00} for a late fee effective XX/XX/2024. I accidentally forgot to make my capital one credit card payment yesterday and today I have a {$29.00} late posted on my account. Since the ruling went into effect how can credit card agencies still legally charge {$29.00}?
Product: Credit reporting or other personal consumer reports

My account with this company is being reported late and i was never late! I have had exceptional payment history with this company and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in MONTHS REPORTING LATE to be removed They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

This company never sent the periodic statement along with the disclosures from section 1637 ( b ). 

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports.
Product: Student loan

For over 7 years I have attempted to get detailed information regarding my loan, including but not limited to ; original loan amount, payments made, fees assessed, etc. It sounds ridiculous, I know, but no one has been able to give me the information requested. I 've spoken to XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, I have been given the run-around every time I call. 

I 've been making regular payments of the minimum amount or more for years and my principal balance is not decreasing, so I am questioning this. The more I 'm ignored, the more I believe something illegal may be happening. 

Also, I 've still not received a statement showing the interest paid in 2015 for tax purposes. Each year I have to specifically request this, some years it arrives, some years it does not.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Social Security Administration was notified that my SS retirement was started. It was not. The address shown by Equifax was the address that was used to begin drawing Retirement SS by the individual - which was not me. I have requested Equifax to remove the address since I have never lived there and it was used by the individual to try and begin drawing my SS retirement benefits. I am not retired and continue to be employed and will be so for several years. 

The SS Administration has reviewed and completed their stop payments, etc. of my benefits to the individual committing the fraud at the address listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Arizona, XXXX. 

As mentioned above. I have contacted Equifax to have this address removed, yet to no avail. 

I believe my information may have been part of the information gained by the " hacked '' Equifax database and was used to gain access to my information at the SS Administration. 

Thanks for all your help, Regards, XXXX XXXX
Product: Student loan

I have been paying on my federal student loans that are serviced through Navient. I have been set up on automatic payments for at least the last 2 years. In XX/XX/2018 I enrolled in a 4 credit course through XXXX County XXXX XXXX as part of an employer requirement for a job promotion. During that time I pay for the course out of pocket and assumed I was paying my student loans as I always have. Months later I realized that my payments were not being withdrawn and was only notified when I received an email stating that my loans were in forebearance, of which I never agreed to. I am not schedule to begin making payments again and realized that I have accrued additional interest due to the loans being in forbearance that I had never authorized in the first place. I find the tactics used by the company to be misleading and unlawful.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/16 - XXXXXXXX XXXX XXXX XXXX Hard inquiry that is still affecting my credit score XX/XX/16 - XXXX/XXXX Hard inquiry that is still affecting my credit score
Product: Debt collection

I received a letter dated XX/XX/22 from XXXX XXXX and I gave the a call asking for a debt validation. I was told that in order to send this out I needed to provide the last for of my SSN or my date of birth after I gave the ref # to them. I called again on XX/XX/22 a at XXXX after calling more then XXXX times and each person I spoke with told me that is needed to provide this information to them in order to validate. I sent them a letter on XX/XX/22 asking to verify this debit as well. They are listed as the buyer if this debit on my credit report as well on XX/XX/22 after they sent me the letter on XX/XX/22.
Product: Checking or savings account

I opened HSBC advance checking account to receive a {$400.00} bonus. I have asked HSBC three times, via my online account webpage messaging center, when the {$400.00} will be credited. I am getting answers such as, " 90 days after depositing funds '', " six to eight weeks after completing all requirements '', and " approximately eight weeks after completing all qualifying activities, which would be by XX/XX/XXXX. '' My understanding on opening the account is that I should receive it by XX/XX/XXXX, per the first answer " 90 days after depositing ''. Now it appears that it would be " approximately '' two months later. 

Please confirm when the {$400.00} bonus will be available.
Product: Checking or savings account

I am filing a complaint with the CFPB regarding Capital Ones failure to deposit my direct deposit from my employer. Capital One has cited technical issues which may violate the Electronic Funds Transfer Act ( EFTA ) as it requires a timely access to funds. This situation raises concerns about consumer protection laws and I request your assistance in investigating this matter to ensure my rights are upheld. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

called TransUnion to dispute 2 hard inquiries ( XXXX XXXX on XX/XX/20 and XX/XX/20 ) that I didn't approve. the representative refused to assist me in disputing these 2 items.
Product: Credit reporting or other personal consumer reports

I applied for an apartment at XXXX XXXX XXXX XXXXXXXX, after completing the application I was informed it was denied and advised to contact XXXX XXXX XXXX XXXX at XXXX. Whom advised me XXXX XXXX XXXX company is reporting on my report as an apartment lease with a broken agreement. XXXX XXXX XXXX XXXX advised me to contact XXXX. I contacted XXXX and they advised me they don't know what it is reporting as and they can only do a dispute which may not change anything. Reached out to Westlake Portfolio Management about reporting false information on my credit report and they advised me nothing can be done.
Product: Credit reporting, credit repair services, or other personal consumer reports

want to state that this complaint is from the Actual Consumer XXXX XXXX and not a third party of any kind. I looked at my EXPERIAN credit report recently and found an unauthorized inquiry reporting on my credit report. I wrote EXPERIAN a letter on XX/XX/2022 to try to get this inaccurate information deleted from my credit report since it is hurting my credit profile and costing me money in higher interest rates. EXPERIAN is not taking these inaccuracies on my credit report seriously and they are taking my rights for granted, Please assist in deleting the record below from my credit report Company : XXXX XXXX XXXX - XXXX INQUIRY - - Attached is the letter i wrote to EXPERIAN in an attempt to dispute this inaccurate information. i have attached my drivers license as proof of Identity and my phone and internet bill as proof of address so there are no questions about my identity.
Product: Credit card or prepaid card

XXXX XXXX XXXX allowed a 3rd party to add fees to my acc. The co said it was added when I took out my card. I tried to resolve it w a supervisor with XXXX XXXX and even though its mailed out on XXXX statement he claims they have No control over this. I was irate when he said not their problem. I feel this Bank has to be responsible for Account Assure charges and I should not have had to deal with resolving this. I feel many elder individuals are also being charged and over looking this fee. I am disappointed that any third party can just start adding a fee without my approval.
Product: Credit reporting or other personal consumer reports

Subject : Request for Action Due to 2017 Data Breach I am writing to formally address the violation of my federal rights pursuant to the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) as a result of the 2017 credit data breach that exposed my personal information.

On [ insert date of breach notification, if known ], I received notification that my sensitive data, including my name, Social Security number, and other personal information, was compromised. This breach has caused me significant concern regarding identity theft and the security of my personal information.

Under the Fair Credit Reporting Act, I am entitled to certain rights to protect my information and ensure its accuracy. I am requesting that you take the following actions : remove all negative report off my account ending in XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX Failing to Remove Fraudulent Account & Unauthorized Inquiries Details of the Issue : I have been disputing a fraudulent account ( Kickoff ) and unauthorized credit inquiries ( XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX ) on my XXXX credit report for over 60 days. 

I submitted the following documents to XXXX : FTC Identity Theft Report XXXX Police Report ( XXXX XXXX Michigan, XXXX, IL ) Proof that XXXX removed the fraudulent Kickoff account Proof of residency ( Insurance document ) Government-issued ID Despite this, XXXX has failed to remove the fraudulent account and inquiries, incorrectly verifying them as accurate. This violates my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), which requires fraudulent accounts to be blocked within four business days upon receipt of an identity theft report. 

Steps Taken : I filed disputes directly with XXXX and uploaded all required documentation. 
XXXX responded that the fraudulent account was verified but failed to provide any supporting evidence. 
Ive been going back and forth with XXXX since XX/XX/year> with this fraudulent account and inquiries I have a FTC report from XX/XX/year> 2024
Product: Mortgage

I HAVE CONTACTED BOTH XXXX  AND NAVY FEDERAL CREDIT UNION, IN ADDITION TO THE MORTGAGE COMPANY AS YOU WILL SEE IN THE SUPPLEMENTAL ATTACHMENTS. I HAVE REPEATEDLY ASKED, PLEADED AND EVEN RECENTLY DEMANDED THEY PROVIDE ME WITH ANY AND ALL PAPERWORK THAT CONTAINS MY SIGNATURE/PERSONAL INFORMATION/PERMISSION AS IT PERTAINS TO TRANSACTION PAPERWORK. PLEASE READ THE ATTACHED PAPERWORK THAT DESCRIBES THE ACTIONS, FORGING, COUNTERFEITING AND DEFRAUDING THAT I AM FACING BY THESE COMPANIES CUSTOMER. I CONTINUE TO ASK THAT THEY INVESTIGATE THE REAL ESTATE FRAUD/MORTGAGE FRAUD THAT HAS OCCURED AND THE TENS OF THOUSANDS OF DOLLARS THAT ARE FLOWING IN AND OUT OF THEIR BANK BUT THEY REFUSE. THEY WILL NOT EVEN PROVIDE MY FORGED SIGNATURES. ITS SEEMS CLEAR THAT THEY WOULD RATHER KEEP THE PROFITS OF TRANSACTIONS AND NOT DEAL WITH THE HEADACHE. THE MOST DESPICABLE THING IS THEY CAN NOT EVEN BE BOTHERED TO IDENTIFY AND ISOLATE INSTANCES OF FRAUD THAT ARE EXPLICITLY BROUGHT TO THEIR ATTENTION.
Product: Debt collection

Aldous & Associates , PLLC XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, UT, XXXX To : The XXXX XXXX XXXX XXXX for Aldous & Associates , PLLC From : XXXX XXXX XXXX Regarding : Unauthorized Administration of the XXXX XXXX XXXX You will forthwith return and transmit your written evidences of your delegated authority to represent that you and XXXX XXXX are authorized to administrate ( acting trustee ) on my name, XXXX XXXX XXXX, together with a certified copies of signatures contract between you and XXXX XXXX XXXX, you and original creditor, bonds, original creditor Charge-off documents, sureties, indemnification, insurance and any Third Party Debt Collector Association Agreement passing XXXX XXXX XXXX private information to other members, possibly resulting in identity thief. Also, relating information to your personal and professional acts referenced above and your arrogated paperwork intrusion upon the XXXX XXXX XXXX. Courts require your contract for jurisdiction. 

Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act. 

Also you have committed the following FDCPA Violations : 806. Harassment and abuse 807. False or misleading representations 808. Unfair practices 809. Validation of debts Stop contacting me about this or any other matter you have. I also submitted this letter to the Consumer Financial Protection Bureau ( CFPB ), My State Attorney General Office and XXXX XXXX XXXX XXXX. You have 15 days from the date of this letter to respond with all items requested or remove this item must be removed immediately or I will seek litigation for Monetary damages. 

Please remove all unauthorized, fraudulent accounts promptly within four business days of receipt pursuant to 15 USC 1681-c-2 & 12 CFR 1022, Regulation V, to prevent further legal proceedings. I have already contacted the respective companies as well and please be reminded, no consent is identity theft. Thank you! 

I swear under penalty of perjury that all of the above mentioned information is true and accurate. 

By : XXXX XXXX XXXX
Product: Checking or savings account

Idk why they closed my account but I had some funds on my acount that I wanted to cash out but when I try to do it its was declined because now the acccount was negative because they have charged me that I wanted to add money but it was declined. So they charged me and put my account in negative balance! 
And how Im going to put money in my account if they declined the transfer in order to charge me and put more negative balance
Product: Vehicle loan or lease

This account was paid off in full but the company is still reporting inaccurate information on my credit report causing my scores to drop and making it hard for me to move on from here. I tried to work with this company but they are still affecting my life in a negative way. Covid has effected our lives and this company doesnt seem to understand this. Please have them remove all negative remarks and show this account as paid in full because it has been.
Product: Debt collection

Credit Collections Services is reporting on my credit report fradulently. I've contacted Credit Collections Services and ask for the original indebtedness of said account to no response. This is against the law for this company to continue to report false information according to the FCRA. I also didn't find that this company has a valid License, Bond, and Certificate of Authority in the state of Arizona.
Product: Debt collection

I have paid off my debit with LTD financial in XXXX. They said they would send out a settlement letter stating that it is paid in full which I have. I have provided it to XXXX but they wont take it off my credit report or notate that it is paid in full. I did the same thing with XXXX and they completed everything. I would like for them to do the same.
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 : XXXX XXXX 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.