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

The account is closed already ... but I have been trying to make a payment for a two weeks now but no one will help. They tell me to keep waiting, but everyday my credit is affected negatively due to non payment ...
Product: Money transfer, virtual currency, or money service

When trying to dispute several purchases from Vendors I do not know or multiple transactions from those vendors, the chat bot never resolves my issues so I ma just out of hundreds of dollars with no resolution. I have one transaction that debited XXXX times in 2 days for the same thing and to date it has not been refunded. I have a person who took money for a product that I never received but Cash app never refunded me when I complained that I never received the product and then the company was now trying to take cash repeatedly so I had to block and cancel the card. Then they say you r card could be canceled or we will get back with you in 10 days and never respond.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, incorrect information is being reported to my personal credit file. The Equifax, XXXX and XXXX Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. Equifax, XXXX and XXXX have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
XXXX XX/XX/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 card or prepaid card

I am a longtime customer of Capital One and had never been late. I set up an Auto Pay with a personal bank but the bank mailed a check monthly which made me late. This has been going on for months. On my phone I set up a Notification request in case if any issue with my account. I never ever received a Notification from Capital One as required by Notification selection. So, the late as accumulated and suddenly after the total has reached over {$400.00} dollars then again without notification they charged me. I had to immediately scheduled that payment and XXXX payments : XXXX of {$70.00} dollars and another of {$100.00}. I have been a good customer and never late. Capital One reported my lateness to all 3 Credit Bureau Agencies, which caused my credit to crashed up to XXXX points. I contacted them and they told me that they understood my concern and would have to contact the credit agencies, which I did immediately. The bank should have contacted me based on my notification setting in their App and not wait until my fees had reached over {$400.00} to placed me on as being late with the credit agencies.. It is not fair to us consumers. Now I am XXXX war XXXX Vet with no acceptable credit to do anything for my grand children.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good day! I recently wrote to Experian and XXXX showing my concerns with the fraudulent information that they have been reporting on my credit report. I wrote to them on the XXXX of XX/XX/2023 and also in XXXX  30 days after the previous letter. Till this day I have not heard anything back from them regarding this matter and according the FCRA, any information not verified or refuted within 30 days must be deleted. This is a miscarriage of justice what's going on here and I will definitely also be reaching out to the presidents of these companies and also the Attorney General. None of these accounts are mine and are all fraud. I never authorized any of these companies to open any accounts in my name or to send me anything. Someone used my information fraudulently and I am disputing all of the accounts listed. If they are not removed then I will definitely be filing a lawsuit and seeking compensation for my pain and heartache for what's being done to me. With all the fraud that's going on, I can't believe these companies are still just opening accounts without verifying the information first. Even on the credit reports with the 3 credit bureaus, all of the information has different dates when opened etc with is a violation in itself. Please fix this nonsense as soon as possible because I am definitely keeping a record in case I have to go to court with all these companies and I will guarantee you that I will be seeking compensation for this. Thank you in advance and if I don't get a response soon then I will send a letter and also call the Attorney General about this matter.
Product: Checking or savings account

I discovered on XX/XX/2023, that I was a victim of fraud. I logged into my mobile banking account and noticed that XXXX XXXX dollars had been withdrawn from my checking account. I called the fraud line and reported this, and a temporary credit of a XXXX was placed back in my account while an investigation took place. I received a letter today from Chase informing me that the transaction was authorized. I have never withdrawn XXXX XXXX from my account. It appears someone cloned my card and went to the atm five times, and XXXX XXXX XXXX dollars 5 times. This withdrawal has to be on an ATM camera. I work too hard to give a XXXX dollars away. I want someone to call me from the executive office. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to XXXX, XXXX  and TransUnion about the following reporting Debt since XX/XX/XXXX. I explained to all 3 Credit bureaus the rent that is reporting a Debt without proper debt verification and ownership. 

XXXX XXXX XXXX opened a collection account on XX/XX/XXXX stating I owe them {$2100.00} Original Creditor - The corners c/o XXXX I went to The corners c/o XXXX around XX/XX/XXXX to see why I owed them {$2100.00} I spoke to a guy named XXXX at the front desk he tried to look me up in their system to see any information in their system about me owing them a balance. XXXX stated they had no information about me in their system. 

I contacted XXXX and informed them I needed the following information : The original signed lease between myself and the landlord. 
Details of the security deposit and how it was applied to past due rent. 
Bank statement for the security deposit entire duration of the rental including the accrued interest. 
Detailed breakdown of damages claimed by the landlord and the total cost of repairs, with proof from a licensed contractor The date that the apartment was reoccupied. 
Proof of registration of that apartment following all compliance of the local rental laws in the state of Texas Proof that this is a collectable debt within the statute of limitations in the state of Texas Name of the banking institution and the date in which my security was deposited in an interest-bearing banking account As of today I have not received the above information to validate the debt they claim I owe.
Product: Mortgage

I almost lost my home. Thanks to help from several agencies I got help. The last mortgage modification I got was supposed to square everything. They put a lien on my home for mire than XXXX. Put me back to owing 30 years on the mortgage. The rate went down to 4.25 I believe. This is all fine I guess, but for the last 6 to 8 months, it is hard to decipher, they keep adding charges on that no one can explain to me what they are or where they came from.Once a Rep for Bank of America told me they were charges from before the modification. I told her I thought that was odd that those would not have been taken care of through the modification. She found it odd as well but could not do anything about it. At that time I owed {$90.00} in ghost charges and was told they were not due until my home was sold or refinanced, and no interest was being charged.The agreement for the mod is a certain amount, the " regular payment '' on the statement is a different amount, and it now always shows late fees and penalties of {$15.00} that I guess rolls over every month like it is not a new charge? I have not missed or been late on a payment since the mod. I got my home loan statement from them yesterday and now shows a payment due of {$160.00} more than the agreed upon payment. It just keeps going up and up. I am tired of spending hours on the phone to end up having someone give me some silly answer that even they do not understand. Hope you can help.
Product: Credit reporting, credit repair services, or other personal consumer reports

Chase Card Services reported a charge-off account on my 3 credit reports XX/XX/XXXX. Upon learning of this I have tried for over a year to correct this paid off account with the credit bureaus. The credit bureaus continue to report that Chase verified the reporting as accurate. With no such luck of getting it deleted from my credit reports I sent a letter XX/XX/XXXX requesting validation of the debt with competent evidence bearing my signature. I did not receive any kind of response so after 30 days I sent another letter XX/XX/XXXX again requesting validation with any viable evidence bearing my signature proving the account as being reported accurately. Chase finally responded with a letter XX/XX/XXXX stating they are updating my account information with the credit bureaus that says I have a charge-off with an outstanding balance and it does not include any proof of validation or my signature.
Product: Credit card or prepaid card

Recently, I, XXXX XXXX XXXX, was denied an extension of credit by SoFi Credit CorpXXXX XXXX. On XX/XX/2022, I applied for SoFi Credit Card. 
As you XXXX be aware, it is against federal law in accordance with Equal Credit Opportunity Act to proclaim an adverse action against a consumer. Pursuant 15 U.S Code 1691 ( C ) and you assume civil liability pursuant 15 U.S Code 1692 ( K ). SoFi Credit Corp. XXXX has violated my federally protected consumer rights : 1. 15 U.S Code 1642 2. 15 U.S Code 1681M 3. 12 CFR 1002 Since the letter you sent me dated XX/XX/2022, is both a proof and evidence that I have been discriminated against, you are also criminally liable. SoFi Credit CorpXXXX XXXX should resort to reasonable procedures to rectify this affair and compensate me for the use of my social security number. Otherwise, this would be considered an unauthorized use since I have received NO BENEFIT. 

I received a response from the Sofi on XX/XX/2022 that does not satisfy this ongoing concern. I have escalated the matter with the Attorney General. See attached.
Product: Credit reporting or other personal consumer reports

XX/XX/year> Subject : XXXX XXXX XXXX Equifax for Failing to Correct Inaccurate Late Payment Information Dear CFPB, I am filing a complaint against Equifax for failing to correct inaccurate information regarding late payments reported on my credit report for the account associated with XXXX. Despite multiple requests for correction ( letters dated XX/XX/year> and XX/XX/year> ), my requests have been ignored, violating both the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
FCRA Violations : According to 15 U.S. Code 1666b, creditors are required to send periodic statements at least 21 days before the payment due date. The inaccurate late payment reporting on my account suggests a failure to comply with this requirement. Additionally, 15 U.S. Code 1681i mandates that credit reporting agencies ensure the accuracy of information in consumer files, which has not been upheld in my case. 
TILA Violations : The Truth in Lending Act emphasizes the necessity for accurate and timely disclosures to consumers. The inaccurate reporting of late payments has caused undue harm to my creditworthiness. 
XXXX XXXX XXXX of Obligations XXXX ( XXXX ) : This act reinforces the responsibility of creditors to provide timely statements, preventing unfair penalties to consumers. 
I am formally requesting that the inaccurate late payment notation be removed from my credit report immediately. 
Errors Identified : The account contains discrepancies in the following fields : XXXX XXXX : The reported high balance varies between bureaus and does not reflect accurate transaction history. 
Last Verified : The date of last verification is inconsistent across credit bureaus, raising concerns about the reliability of the data. 
Date of Last Activity : The reported dates of last activity differ significantly among the credit bureaus, leading to confusion and potential inaccuracies. 
XXXX XXXX : The current balance owed is incorrect and does not align with my payment records. 
Payment Amount : The amount listed as my monthly payment is erroneous and does not match the agreed terms of the account. 
XXXX XXXX : The credit limit reported is incorrect, and the discrepancies could negatively impact my credit utilization ratio. 
Desired Resolution : XXXX removal of the late payment notation from my credit report. 
Correction of errors in the above-listed fields. 
Written confirmation of the corrections. 
If this issue is not resolved promptly, I will escalate my complaint further, including potential legal action and filing additional complaints with relevant agencies. 
Thank you for your immediate attention to this matter. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

TransUnion XXXX and XXXX you have been reporting inaccurate information on my credit report the accounting question is Account # XXXX XXXXXXXX Account # XXXX Please investigate this account for accuracy of this account if you find this account to be inaccurate please delete this account.
Product: Checking or savings account

Unethical Bank - DENIED me access to my CD and savings account online unless I agree to " paper statements ''. 

Forced to telephone to get access to online account. Then person claims can agree. 
Dishonest to deny full-time access to online account. 

Representative did not know when account would allow me access but would send request to not select paperless option. 
Still account access my {$250000.00} account. 

Second problem : Highest CD withdrawal penalties in the nation at 270 days. 

MY goal : Leave this dishonest institution when my CD is UP! 

" Withdrawing Your Electronic Acceptance of Documents You understand that you have the right to receive Documents in paper form. You can request paper copies and/or withdraw consent by contacting us at XXXX ( XXXX ). 
Any withdrawal of your consent to receive electronic Documents will be effective only after we have a reasonable period of time to process your withdrawal. If you withdraw your consent, you may not be able to use certain online functionality with respect to your Products or complete actions with respect to your Products online. ''
Product: Credit reporting or other personal consumer reports

Subject : Credit Dispute and Demand for Removal of Unauthorized Items I am writing to formally dispute and request the immediate removal of certain unauthorized items from my credit report, as mandated by the Fair Credit Reporting Act ( FCRA ). I have provided the necessary details below for your reference : Full Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX According to the FCRA, I have the right to request an investigation into any inaccurate or unverifiable information on my credit report. I kindly ask that you remove any items that the respective creditors can not substantiate. As per XXXX U.S.C. Sec. XXXX ( a ), I expect you to complete this reinvestigation within 30 days of receiving this letter. 
Furthermore, I would like to bring to your attention that the following accounts, which were part of my bankruptcy, are still erroneously appearing on my credit report under collections accounts. They should have been removed when my discharge was finalized. I have attached a copy of my bankruptcy documentation for your review : XXXX. Account : XXXX XXXX Reported on : XX/XX/XXXX Account Number : XXXX XXXX Creditor : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, XXXX TX XXXX XXXX. Account : XXXX  Reported on : XX/XX/XXXX Account Number : XXXX XXXX Creditor : XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX Account : XXXX XXXX XXXX Reported on : XX/XX/XXXX Account Number : XXXX XXXX Creditor : XXXX XXXX I Address : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX I kindly request that you promptly investigate these accounts and remove them from my credit report as they are unauthorized and should not be negatively impacting my credit history. 
I appreciate your attention to this matter and expect a timely resolution. Please provide written confirmation once the necessary corrections have been made to my credit report. 
Thank you for your time and assistance in rectifying this issue. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I recently received a copy of my ( XXXX, Equifax or XXXX ) consumer report, and I noticed some late payments posted on my consumer report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give you written instructions to furnish this account on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681a ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ;
Product: Credit reporting, credit repair services, or other personal consumer reports

On Several occasions I have submitted a dispute to all 3 Credit bureaus, Experian, XXXX, and XXXX about a debt of XXXX that's on my credit from a company named XXXX. I've asked for verification and all I keep receiving is a statement, nothing else. No signature, or SSN .I 'm pretty sure this is not enough evidence to prove this debt is mine.I have attached the statement that was sent to me
Product: Credit card or prepaid card

I had a charge-off with american express for approximately {$16000.00}. I settled this debt and agreed to pay {$4000.00} to settle it in full. I proceeded to make the payment. American Express has now only credited my account {$4000.00} and has not reported it as settled with the credit bureau. They are now reporting that i still owe {$12000.00}!!!! 

I have uploaded the settlement agreement that was faxed to me along with their receipt of payment. It took them a couple days of send me the confirmation of payment received. My payment was processed on the day the settlement paper agreed to.
Product: Credit card or prepaid card

Citibank fails to apply a payments appropriately. They has created a practice where i can not pay a revolving balance without paying deferred balances 2 months early. 
They allow no way to adjust this. Not by a phone call, email, in person payment. 
Background : I use 'promotional deferred interest on purchases ' offers monthly. 
In XXXX of 2020 I had a deferred balance come due. 
I made a payment to pay the XXXX deferred interest balance in full. 
Instead of the payment being applied to the XXXX deferred interest balance it was applied to the XXXX deferred interest balance that was not due for another month. When this occurred, the deferred interest from the XXXX promotional balance was charged to my account ( placing {$1500.00} ). 
I called immediately and the interest was withdrawn.However the situation was not fully corrected. The XXXX deferred balance was put into a revolving interest accruing balance. 
The situation now is that i can not pay off that revolving balance and each month i get charged interest. I have contacted them several times to correct this. 
Citibank has a policy that they refuse to apply payment to a revolving balance when there is a deferred balance coming due within 2 billing cycles. 
I have made all payments on time. I can not get the revolving balance paid off. I didn't Additionally, they have created a deceptive practice of advising the customer, to pay a certain amount to avoid interest charged. I met that value and still was charged interest. 
When questioned about that announcement showing a value to avoid interest, i was told that is a courtesy and they don't have to follow that. 



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Product: Credit reporting or other personal consumer reports

I submitted an identity theft report with my name and social security card.and TransUnion wont remove the hard inquiries. I have called and submitted paper disputes. They are making hard for me to get a loan.
Product: Credit reporting or other personal consumer reports

Lots of hard inquires that were made and not by me. Companies allowed my credit report to be pull. The following I have no knowledge about at all and I didn't approve these credit applications : XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXXXXXX Inquired on XXXX XXXX XXXX Inquired on XXXX XXXX XXXX Inquired on XX/XX/
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed with XXXX, XXXX and Experian a Bankruptcy on all three of my credit reports that they stated they got the information from XXXX and the Bankruptcy Courts. I contacted XXXX and ask them to provide me with where they got this information from and XXXX stated that the data being reported was unverifiable and that they removed it from my report and that they reached out the the bureaus to have them remove it as well. I have sent the bureaus several letters asking them to remove it and the only bureaus that has responded back is XXXX and Experian. XXXX will not respond back at all. this has been going on since I sent my first letters to each bureau on XX/XX/2022. I asked the Bankrupcty Courts if they give this information to the Bureaus and they sent me a letter stating they do not give this information to the Bureaus. I attached that letter along with the letter from XXXX and they still will not remove this information and stating that the information is accurate. XXXX also stated that my previous request they received with my information included, was not from me or a properly authorized third party. I stated to XXXX that they were advised by me on XXXX, XXXX and again on XXXX by certified mail that I questioned the accuracy of a few items on my credit report. That request was written by me and mailed by me- not a third party agency. This is not right and it is a violation of the fair credit reporting act. I also stated that the Credit Bureaus needed to provide me with copies of all documentation associated with these Accounts bearing either a court order to place this information in my credit report, or my authorization of release bearing my signature. they have not provided me with this information at all, I also stated to them In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, to please provide the names and business addresses of each individual with whom you verified so that I may follow up. which they have not done so either, they just state that it has been verified as accurate