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

On XX/XX/XXXX, I applied for a XXXX XXXX XXXX Credit Card, for which I intended only to use for gasoline purchases at a local XXXX XXXX XXXX. On XX/XX/XXXX, the bank who manages this credit card, First National Bank of Omaha ( FNBO ), sent me a letter saying they couldnt check my credit unless I removed a credit freeze from my credit bureau accounts. I didnt get their letter until XX/XX/XXXX, but I removed the freeze temporarily, from XX/XX/XXXX to XX/XX/XXXX. Once the freeze was removed, FNBO was able to run my credit report. Today, I received a letter from them, in which they now claim that they cant continue with my application unless I provide the following information ( also shown in the attached file ) within 20 days : 1. Copy of my driver license/state ID verifying my mailing address 2. Signed copy of my original social security card 3. Copies of W2s for the past 2 years I called the bank to express my extreme concern that they are asking for this information as I feel its excessive to ask of a consumer who has a XXXX score of XXXX. In addition, when I advised the rep that I am retired and dont have W2s, she said I could send in my tax returns for the past 2 years.

Although I dont understand the need to verify my address since Ive already received 2 letters from them at my address and Ive lived at that address for 11 years, I am willing to provide them with a copy of my drivers license. For the social security card, why do they need this? Theyve already ran a credit report with the social security number I provided on my application. For the W2 request, asking me to provide 2 years of tax returns is overkill. 

Ive had credit card accounts since XXXX and have always excellent payment history, and currently I am only using 4 % of my available credit, as confirmed by my XXXX account. I have NEVER had to provide this level of documentation to any credit card company, but in particular, for this type of credit card, which I intend to use only for gasoline purchases, and don't expect the credit limit to be more that {$500.00}. 

It seems as if this bank wants to deliberately make it difficult for me to obtain their credit card. To reiterate, I have a XXXX score of XXXX. There is no reason for them to ask for these types of additional documentation.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX INQUIRIES 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 XXXXXXXXThese accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Debt collection

I have collections that I didn't do and I know this identity theft XXXX collections is IC Systems the account number is XXXX the second collection is XXXX XXXX XXXX XXXX account number XXXX. The third collections is springoakcap the account number is XXXX
Product: Bank account or service

On XXXX, I had a beginning balance of {$18.00}. There were XXXX debits of {$15.00} and {$65.00} and a deposit of {$120.00} processed that day. The bank processed the debits before the deposit and charged me a {$38.00} overdraft fee on XXXX. When I called customer service on XXXX, the phone rep told me that it is the bank 's practice to post debits throughout the day no matter what time of the day so if a debit comes in during the day before a deposit comes in that same day, the fee is valid. But he then credited the fee. On XXXX, I had a beginning balance of {$35.00} and a pending transaction of {$10.00}. There was a debit of {$25.00} on XXXX. On XXXX, the bank charged me another {$38.00}. When I called customer service on XXXX, the phone rep told me that it is the bank 's practice to post transactions against the available balance, not the actual posted balance in the account so when the {$25.00} transaction presented, the bank did n't subtract {$25.00} from the balance of {$35.00}, they posted it against the available balance of {$24.00} because of the pending transaction of {$10.00}. I asked for a supervisor who confirmed it is the bank 's practice to post debits before credits on the same day if the debit presents at an hour during the day before the credit presents and that the bank does pay from the available balance even though a pending transaction may never post to the account. I told him that it was n't fair to do that because a customer has no idea what time of day during the day that debit is going to present to the account and a pending transaction may never post. He told me the fee was valid and that 's the way the bank does business.
Product: Money transfer, virtual currency, or money service

On XX/XX/19 and XX/XX/19 a donor donated {$2.00} to our not for profit charity via Paypal. Subsequently they withdrew the donation ( reason unknown to us- this was an unknown donor ) and we were charged {$20.00} by Paypal ( for each donation total {$40.00} ) as a chargeback fee on XX/XX/19. Since we can not control donations or donation withdrawals this is completely unfair. Calls to Paypal on XX/XX/19 and XX/XX/19 to their resolution center were answered by someone who could not resolve the issue. When we asked to speak to a supervisor we were placed on hold and after 20 minutes hung up. Theoretically our account could be drained by chargeback fees from donations that are withdrawn and are beyond our control. This is an issue that any not for profit that uses Paypal for donations could face. Paypal needs to address this but there is no way for us ( a small local not for profit in NY ) to  bring the issue to their attention via their resolution process.
Product: Money transfer, virtual currency, or money service

I got a call from a chase customer service number saying that I had fraudulent activity on my account and that a person named XXXX XXXX was being sent money from XXXX. They told me they would transfer me to XXXX customer service. The man named XXXX had me to go onto my account, and that I needed to secure my XXXX on my end by sending money that would go back to my account right after. I sent {$970.00} and he had me then send a confirmation to a different number. The money never came back. I filed a claim with chase but they couldnt recover the money.
Product: Student loan

I believe Mohela has mishandled my student loans and my eligibility for the XXXX XXXX XXXX XXXX XXXX. 

XX/XX/XXXX through XX/XX/XXXX are listed as ineligible due to a period of Deferment or Forbearance, however, my loans were in repayment at that time. Those months should be qualifying for XXXX. Additionally, my eligible payments are only showing from XX/XX/XXXX forward, though I have been working at a qualifying employer and in repayment since XX/XX/XXXX, with a brief forbearance from XXXX through XX/XX/XXXX.
Product: Mortgage

I have had a mortgage on the same house for over 25 years. I have never had a late payment. Green Tree is now saying I have had late payments and is trying to assess late fees despite proof to the contrary. I make my payments by phone each month. This past month their phone lines were down and I was unable to reach anyone for 3 days. The calls were cut off when trying to reach a live person. The prior month GT indicated my payment was received a day late despite phone records to prove otherwise. When attempting to make a payment on-line one is allowed only to pay the amount listed despite disputes to the contrary. Their employee 's are rude and incompetent. They have repeatedly lied about information they have received.
Product: Credit reporting or other personal consumer reports

My account with XXXX EXPERIAN XXXX was never late! I have had exceptional payment history 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 to be updated. 


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. 


XXXX EXPERIAN XXXX 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 1002 and It was never provided.

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


Update the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

incorrect high balance ,incorrect date less activity, incorrect date reported,incorrect date opened
Product: Credit card or prepaid card

I logged in to my online Bank of America account to make a credit card payment & discovered 2 fraudulent charges, both listed as 'ACH payment refund ' on XXXX XXXX in the amounts of {$3000.00} & {$2000.00}. I called my credit card customer service immediately to dispute the charges & they advised me to file reports with the police, the XXXX & XXXX XXXX as well as putting a fraud alert on my credit reports. They are currently investigating, but they said the return of my funds is not guaranteed & could take up to 3 months. 

I have no idea who the thief is or how they obtained my information. My drivers license was recently stolen, but I reported that to the police & the XXXX. They said they cancelled it & sent me a new one & that it would register as invalid if it were scanned anywhere.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> you received my dispute regarding some transactions and late payments that you and Experian furnished to my consumer report and when I disputed these exclusions using the FCRA I received a response from you Experian stating that the account was verified!!! 
I am not sure why you responded with Verified as I did not ask for verification of anything! The law clearly states that ; ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; how can you validate a dispute regarding information that is excluded from the consumer report? The law says transactions are not apart of my consumer! So how can you validate a late payment?

Further more lets take a look at 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.

I am requesting all information pursuant Rule 1002 on 15 USC 1666b and the procedure that was used to authenticate accuracy ; What reasonable procedure that you have adopted designed to ensure that each periodic statement including information required by section 1637b was mailed or delivered to the consumer not later than 21 days before the payment due date.

The only way for you to validate a late payment is to ensure that 15 USC 1666b was done in compliance METRO2 compliance and FCRA compliance!! to the specifications of the law 15 USC 1666b! Furthermore this process must be certified by an agent that the information is accurate.
Product: Credit reporting or other personal consumer reports

Incorrect information on credit reports which has been affected by the XXXX & XXXX or XXXX data breach. I am a customer of both.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX My Moms Bankruptcy ended I noticed that XXXX XXXX was reporting during the bankruptcy that our Mortgage was 90 -180 Days late every month on on Both Credit reports (. ) in XXXX I received her Discharge and we sent letters to all 3 Bureaus Equifax, XXXX, XXXX XXXX all 3 said they would contact XXXX XXXX doing business as XXXX XXXX XXXX upon contacting XXXX all 3 were told that they were reporting it right and it would stay that way, So I contacted XXXX XXXX and explained that it was illegal to report inaccurate information on credit reports and that I would seek legal remedy, Consumer Financial Protection Bureau was contacted sent all 3 credit reports and the complaint letter to 3 credit bureaus in XXXX, XXXX and now XXXX XXXX XXXX ( KNOWINGLY Deleted ) our Mortgage on our reports and so we could not show a mortgage history which would keep us from getting a loan from another bank? and would keep our credit score down so we could not qualify for any other loan? I have the documentation from the credit bureaus showing it was there in XX/XX/XXXX and before although it shows them reporting it late 90-180 days again that is illegal, so I filed several complaints and have tried to speak with them and have had them say time and time again that its correct and they are not changing it, Well in XXXX i received notices that they were reporting our information incorrect and they would fix it and they were sorry? I am going to sue XXXX XXXX for this as they have lied to a Congressmen 's office that checked into this as I am a Veteran, This has financially ruined us, we have gotten no loans with reasonable APR 's and We have paid more for all Purchases We still have not had fixed and now were forced to sell our property as we couldn't get a loan for the Mortgage that our report doesn't show.
Product: Credit card or prepaid card

During the last month or so the credit card company, Capital One, changed its website access method to include a form of secondary confirmation ( which is normally a good thing ), however the only method they offer for the confirmation is the use of a U.S. based cell phone number. I am with the XXXX XXXX, currently stationed in XXXX, so I use a XXXX cell phone. Capital One has no means to associate my XXXX cell phone with my account, and their website access now appears to be limited to those with a U.S. cell phone number. I am now blocked from accessing their website, which means I am blocked from normal functions of card services but I also am denied access to the Capital One rewards program and my money market account. I have been a customer of Capital One for 20 years and I have never had this issue as before they could send a code to the email on my account to confirm my identity. I have called Capital One several times and only received apologies and acknowledgment of the issue since they changed their operating system. The only solution they offered was to have me call them if I needed my balance or to maintain a U.S. cell phone number for purposes of Capital One account verification. I was hoping to use some of my Capital One rewards over the holidays and was planning on moving {$10000.00} from my Capital One money market account but apparently Im held hostage to this credit card now until I am stationed in the U.S. again. This is shocking to me as I have never had this problem before when accessing my various accounts all over the world during my military career. Even my banks offer verification by email. Capital One phone representatives ( including " supervisors '' ) seem to view this as a mere inconvenience to me but I have no way to unblock my account until I return to the U.S. and get a U.S cell number. This issue came about when Capital One sent me an email about an international charge, and it was a charge I did not recognize. Apparently they are comfortable communicating with me about potential fraudulent charges using the email they have on file for me, but they will not allow me to use that same email to confirm that I am the account holder.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently applied for  XXXX , and they perform a background check on me through  checkr . Background report is wrong, and I submit a dispute. On  XXXX   XXXX  I receive an email from checkr, and I contacted them the following Monday regarding the report and I spoke to representative  XXXX   XXXX  nothing is being done, advise their review in complete on  XXXX   XXXX  wait for  XXXX , and  checkr  also advise me their source is right checkr cause me a job or contract that pays up to {$1500.00} a wee k I m s uing under fcra wrongful reporting and punitive damage.
Product: Credit reporting

Equifax produces purposely obfuscatory, confusing and poorly formatted reports as an obvious means of frustrating consumers ' attempts to fix problems.
Product: Debt collection

I receive an average of 10-15 calls PER DAY often over and over again within a small time frame. I used my credit to start my business and have told them time and time again I am paying as soon as I get my taxes that Ive been falling behind due to XXXX striking me twice and being out of work. They are foul mouthed and loud and use obscene language. After I have blocked their number they will call continuously from a blocked number. Ive answered to confirm. 
Comenity Bank!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. This day over 60 days later, I have not received a response. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my reports. It has been over 60 days, so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the equifax data breach and may have gotten into the hands of the wrong person.
Product: Vehicle loan or lease

I took out a loan with cnac for a XXXX XXXX XXXX XXXX, which now is under recall with NO KNOWN repair solution at this time. Due to this no insurance company will cover my vehicle, and CNAC requires full coverage insurance. I had a current policy with XXXX XXXX and when it was time to renew policy was denied coverage. I requested an exception, even acknowledging that I would have to pay more for high risk, but was denied. I called CNAC and asked about picking up their insurance and was told I could add collision protection but would still need to have state insurance coverage. So I requested a payoff amount in order to try to get loan to pay off in order to not default my contract agreement of insurance coverage. The amount was more than my app even stated my total loan amount was. I requested to XXXX that they swap me vehicles that is insurable and was told that I could come start a new loan agreement but all I've pd in past is null. They would only give me XXXX in trade in value and I owe {$10.00}, XXXX. This vehicle is for my ex wife, whom is on XXXX  and I am her rep payee. She barely makes enough to pay her payments and at times I pick up her insurance premiums. She doesn't have funds to just start over with a different vehicle, nor funds to be penalized by state for not carrying insurance on a car that is being financed, by cnac for defaulting on contract by not carrying insurance or because she pays it off early just to get out of contract. Considering the fact that the XXXX isn't legally able to be used on the street and due to no fault of her own, she is unable to utilize the product of which she purchased. CNAC basically said to make sure she makes her next payment but their is nothing they will do to help resolve the issue. Would it be possible to cut the added interest and fees and only pay the vehicle purchase amount in order to help her get out of the contract deal. She shouldn't be stuck with a noninsurable vehicle yet be held for the fees and interests of the future of the loan. What can she do? Should this be a XXXX issue or CNAC?
Product: Credit reporting or other personal consumer reports

A few months ago my credit was ran by XXXX XXXX XXXX for a credit card on XX/XX/year> that I did not authorize. Now this Hard inquire is affecting my score. It needs to be removed because I did not approve of this.
Product: Credit reporting or other personal consumer reports

consumer name : XXXX XXXX, consumer ssn : XXXX, consumer date of birth : XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605b that you, the Transunion credit reporting agency block and remove information on my credit report that is the result of fraud and identity theft within 4 business days of you receiving this complaint.

These fraudulent accounts consists of 2 personal credit cards opened with XXXX XXXX on XX/XX/XXXX and XX/XX/XXXX, a credit card with XXXX XXXX XXXX XXXX opened on XX/XX/XXXX, and a credit card opened with XXXX  on XX/XX/XXXX. I did not open nor authorize these accounts and have informed your agency of this for 3 years. Your continuances reporting these fraudulent accounts on my consumer FICO credit report have tarnished my reputation to lenders. The aforementioned accounts, maintained by you, were not opened, initiated, or made by me and is a misrepresentation of my character and financial credibility.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE ACCOUNTS LISTED DO NOT BELONG TO ME SOMEONE USED AND STOLE MY IDENTITY THEY USED MY PHOTO ID AND SOCIAL SECURITY NUMBER TO OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against XXXX TransUnion and XXXX CRA & # 39 ; sXXXX On XX/XX/2020, I mailed XXXX, TransUnion and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and XXXX XXXX XXXX for other possible violations of the law.