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

I have sent my complaint to you once and XXXX XXXX did not respond. I got a prepaid card from them, I sent my XXXX dollars in XXXX and the did not send the card to the last of XXXX after I called them several times so when I got the card I just spent my money. I called after I say it reporting on my credit report in XXXX and asked what I need to do to settle this. I was told to send them XXXX. Total with all the other fees I sent those people over XXXX and I only spent the XXXX initially that I set up for credit limits. I have asked them to send me documentation proving that I spent XXXX dollars over the limit with no response. I have submitted this complaint to you all once and have not gotten a response from XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I was a victim of identity theft and fraud. On XXXX XXXX I noticed a company kept appearing on my credit reports, XXXX XXXX. I have never heard of this company and immediately started investigating. I learned that this was a XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I then knew this was fraud and immediately contacted the authorities. I currently have a detective on the case and he updates me on a regular basis. I also learned that this vehicle was repossessed from the individual and that this person also got a DUI in the vehicle. The detective has made out a police report and I also had a legal notarized affidavit done and sent to all 3 credit bureaus. I also contacted this XXXX XXXX and spoke to their fraud department, and spoke to a XXXX. She stated they would get this matter resolved but it would take 30 days. Since then, I received a letter from XXXX stating that they came to a resolution of their investigation and that they are in accordance with XXXX XXXX and that I am responsible for this auto loan. This is a nightmare. I want to buy my first home, but now I may not be able to do this. I am also going to submit the FTC Identity Theft Report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax CONTINUOUSLY has computing, communication, telephonic and website programming/coding issues that not only keeps REINSERTING accounts that have been previously identified as identity theft AND previously deleted in XX/XX/XXXX and XX/XX/XXXX. I have notified Equifax of this and, per the FCRA, these reinsertions are  supposed to be IMMEDIATELY deleted and removed.

1. ) I WAS NOT notified by letter of the reinsertions ; 2. ) The tradelines were previously deleted, so they should not be reactivated ; 3. ) Equifax must comply with the FCRA IMMEDIATELY and delete the reinsertions.

... but what is disgusting and so ridiculously transparent is the fact that : a. ) Equifax WILL NOT follow proper rules as established by the FCRA and, instead of deleting the reinsertions, they open a regular 30-day investigation, which is incorrect, b. ) Equifax continuously and randomly changes their fax number, phone numbers and closes down the XXXX XXXX for communication WITHOUT notice, and c. ) When I attempt to review the dispute results, the system can't find me using MY OWN information EXACTLY as it appears on the reports available to me in my online credit monitoring product PROVIDED BY EQUIFAX.

I am really sick of the games at this point, You know XXXX well who I am and my details that I provide match the details in my profile. STOP hiding, STOP looking for excuses to not comply with the FCRA, STOP keeping my investigation results from me, STOP improperly handling my disputes, STOP MISSPELLING MY NAME and just STOP STOP STOP all of the illegal and purposely deceptive games you keep playing.
Product: Credit reporting or other personal consumer reports

There are several inquiries that are on both XXXX and TransUnion I never gave consent for any person to review my credit file. None of the companies had or have a permissible purpose to inquire anything about me. I want these unauthorized inquiries removed immediately.
Product: Checking or savings account

I made a XXXX transfer on XX/XX/year> to someone and the funds were removed from my account but not transferred to the recipients account. When I contacted my bank they said that the recipients bank was the problem and when the recipient contacted her bank, they said that the funds were never sent from my bank. 
My bank said to wait for 2 weeks and that my case was in escalations but the money was never returned to my account nor was it transferred to the recipients account. They are still holding my money with no explanation.
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX  XX/XX/year> XXXX XX/XX/year> XXXX
Product: Credit card or prepaid card

In early XXXX, due to the insufficient payment had been made to this credit card account. The company closed my credit card account, but I continue to make a payment every month. 

The interest of this credit card was getting higher and now is 26.99 %. I still own {$4300.00} on this card and I make a minimum payment of about {$140.00} per month which also included about {$100.00} of the interest. In XXXX, I have made {$1000.00} of interest to this card and It is 1/4 of the amount which I own on this card. 

I want to pay off this card ASAP, but the high interest makes it become forever. I don't wont to run into the debt collection program because it will also hurt my credit score. 

I was wondering if there is someone can deal with the bank and try to low my interest as the normal rate. Then it will extremely save my time to pay off this card. 

Thank you very much for your consideration, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

UNAUTHORIZED INQUIRIES : 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 XXXXXX/XX/XXXX
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes particularly in the off the recent cfpd lawsuit highlighting significant issues with the platform. Despite using Zelle numerous Times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me the recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs finding indicate thats Zelle has not only neglected to protect customers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about customer safety.
Product: Credit reporting or other personal consumer reports

I appreciate you trying to update and repair some of the data on my credit report, but some accounts still need to be fixed. The 3 Credit Bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed accounts will be fixed as soon as possible. 
XXXX XXXXXXXX Balance : {$12.00}, XXXX XXXX XXXXXXXX Balance : {$4.00}, XXXX XXXX XXXX XXXXXXXX Balance : {$5.00} XXXX XXXX XXXX XXXX  XXXX Balance : {$1.00} XXXX XXXX XXXX XXXX Balance : {$140.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE REPORTED THAT I DO NOT LIVE AT XXXX XXXX XXXX XXXX TEXAS XXXX, XXXX XXXX XXXX XXXX NC XXXX WHICH APPEARS ON MY REPORT DUE TO FRAUD THEY HAVE FAILED TO REMOVE IT FROM MY FILE, ALSO THE NAME XXXX XXXX IS MIXED IN WITH MY FILE USING MY INFORMATION.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. 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 XX/XX/2023 and XX/XX/2023 to XX/XX/2023 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. 


XXXX 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! 

Delete the late payments from my consumer reports
Product: Credit card or prepaid card

My husband and I were adversely affected by Hurricane Irma, and were also in the midst of leaving on a two week trip in early XXXX. We thought that we had scheduled our credit card payment to pay it off it full, as we do every month, and have done on this very card for over 20 years now. However, when we arrived back in the United States and were catching up on bills and emails onXX/XX/XXXX, we realized that the payment had not drafted from our account, so I logged into our account and saw that we had been charged a late fee ( {$25.00} ) and interest charge ( {$31.00} ) for that months charges. I immediately called Capital Ones customer service phone number and asked to have these charges removed, based on our stellar payment history, and for being a customer for over 2 decades. I was told that they could do a one time removal of the late fee but the interest charges could not be removed. I asked to  speak to a supervisor and was connected with XXXX, Capital One Employee ID XXXX. XXXX was extremely unhelpful and did not have any interest in our long history with Capital One, or the fact that we always pay on time and in full. We said at one point that if he couldnt resolve the fees that we would have to close the account. He immediately stated that he would close it right now, and my husband and I said that we dont want to close it right this minute as we need to make other arrangements as this is the only credit card my husband has. We were extremely frustrated and disappointed at the representatives attitude and lack of interest in keeping a good long term customer, but we needed to keep the card open until we had something else figured out. Neither of us expected when we called to discuss these charges to be cancelling the card, or having to deal with an attitude like that. On the morning ofXX/XX/XXXX, our first day back to work after being away, my husband went to use his card his ONLY credit card and realized that it had been cancelled without his knowing or consent. After work, my husband and I called Capital One to find out what had happened and to let them know about the extremely poor customer service we experienced two days prior and spoke with XXXX, Capital One Employee ID XXXX. XXXX acknowledged after putting us on an extended hold that our card had been cancelled without our consent or knowledge and said that she would not be able to get it reactivated for 7-10 days until their back office had time to process it. I declined for her to reactivate the card. I checked my account and apparently the representative did n't even process the refund of the {$31.00} that they had promised. Now we are left with fees, interest charges and no credit card after years of being good customers. Shame on Capital One and how they treat their customers!! We want our fees and interest refunded and an apology for how weve been treated by this huge American company who doesnt seem to care a bit about its customers.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion Credit reporting bureau without my verbal or written consent continuously report information that is inaccurate and that I've requested to be removed, the item that was requested are spam inquires, unverified collections and closed accounts. I've research the violations being performed against me under the { FCRA } Fair Credit reporting act : 1. U.S. Code 1681n - Civil liability for willful noncompliance 2. Section 623 ( a ) ( 3 ) 3. Section 609
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Re : Account Number XXXX To whom it may concern, I am writing in regard to the ( account number ) on my credit report that has been reported as charged off. I dispute this information as I believe that it is not in compliance with Metro 2 credit reporting guidelines.

According to Metro 2 compliance guidelines, a charged-off account can only be reported as such if it is 180 days past due. This means that the account must be six months delinquent before it can be reported as charged off. However, my account was reported as charged off before it reached the 180-day delinquency period.

Furthermore, Metro 2 also requires that the date of first delinquency ( DFD ) be accurately reported to credit reporting agencies. The DFD is the date when the account first became delinquent, and it must be reported accurately to ensure compliance with the Fair Credit Reporting Act. I have reason to believe that the DFD on my account has been inaccurately reported. 

I request that you investigate this matter and provide me with documentation showing that my account was reported in compliance with Metro 2 guidelines. If you can not provide this documentation, I request that you remove the charged-off status from my account and update my credit report accordingly.

Please note that failure to comply with Metro 2 guidelines could result in legal action, including a complaint to the Consumer Financial Protection Bureau.

AND IT ILLEGAL TO PUT THIS INFO ON MY CREDIT REPORT MY METRO REPORT BY THE XXXXXXXX XXXX XXXX ILLEGAL MEAN NOT AUTHORIZE BY LAW, UNLAWFUL, CONTRARY TO LAW The resolution of this matter now rests with your bureau. I urge you to take appropriate and immediate action. 
Thank you for your attention to this matter. 

Best Regards, XXXX XXXX
Product: Debt collection

I received in the mail a is for a collection letter from MRSBPO LLC is the LLC out of XXXX XXXX XXXX XXXX XXXX New Jersey XXXX. This was an attempt to collect a debt is a debt and the creditor is XXXX incorporated. That gave me an official looking letter and they are trying to collect a balance of {$150.00}. I called both numbers and could not get a person to talk to and they actually hung up on me and I left a message on the Colorado line and nothing happened. I feel this is a scam.
Product: Money transfer, virtual currency, or money service

Dear Sir/Madame, At XXXX of XXXX we sent the payment in US dollars from our account in XXXX ( XXXX ) to XXXX via the Bank of New York Mellon as a payment by contract ( buying a sanitary ware and accessories for a bathroom ). 
Amount : USD XXXX XXXX : XXXX Senders Reference : XXXX This payment was not received by the payment receiver. 
We tried to cancell this payment but we didnt get an answer. 
Please, let me know how we can get back our money. 
Thanks in advance. 
Best regards. 
XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

My experian account had alot of unknown information. I paid for my experian account during the pandemic so I was able to get insights that I unfortunately lost. I belive my account was hacked and it led to experian shutting down it's credit score services. 

The city fabricated a variety of documents throughout the years. 

My experian account had identity theft victim insurance I belive it had a master license agreement. I do not have step brothers and I did not pass away in 2018 The android devices people are selling has a big factor involved with these data breaches ( long beach )
Product: Credit reporting or other personal consumer reports

XXXX XXXX I wrote a letter to Equifax asking them to remove incorrect addresses, names, and phone numbers off my credit report. I gave Equifax my correct personal information so they could update my account. I also attach my driver license, utility bill, and my Social Security card to verify my identity that way Equifax could remove all the inaccuracies reporting on my credit report. I also wrote Equifax again XX/XX/XXXX and all my letters were sent via certifeild mail, they responded stating that the information is correct. The information isn't correct because my date of birth on my Equifax credit file is XX/XX/XXXX, that would make me XXXX XXXX XXXX and Im only XXXX. Equifax did not not do a full investigation or reinvestigation based on the inaccuracies on my report. I attach Equifax credit file displaying the incorrect birthday.
Product: Credit reporting

Dear CFPB, I have a high level issues for you today, XXXX you are likely aware of already. 

My student loans were recently switched from XXXX XXXX to XXXX, which is a subsidiary of XXXX XXXX, per a restructuring of XXXX XXXX loan portfolio. Shortly thereafter, I engaged a XXXX Income-Based Repayment ( IBR ) program, in XXXX XXXX specifically. The original XXXX XXXX accounts related to my loans were closed ( standard procedure ), and new ones opened up with XXXX for this IBR plan ( also standard ). 

As a result, the average age of my credit accounts was reduced significantly, even though the actual DEBT is the same debt I have had since graduating both XXXX ( XXXX ) and XXXX ( XXXX ) programs. The move to an IBR plan helped me financially as I am able to better service the loans, save money for a house and invest in the stock market ( and employer XXXX ). 

So in essence, I 've made the right moves to better balance my financial obligations, long-term investment plans and economic consumption ... but I am penalized on my credit report for a shorter duration of accounts because the XXXX IBR constitutes a new account ( XXXX to be exact ). On the plus side, I reduced the number of student loan accounts I previously held from XXXX to XXXX, but that is a different issues altogether ( classification and organization of debt accounts can be detrimental to credit reports even if that debt is attached to XXXX overall degree program ). 

I 'd like to ask for your collective brain power on this : should I be penalized on my credit reports for making good decisions about my debt obligations? I feel that goes against the spirit of our credit system, but I am just XXXX XXXX, right? 

Thanks for listening, would be happy to engage in a dialogue at your convenience. 

Best, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report and I am writing to dispute the following Information that appears on my credit profile after carefully reviewing the information on my report The following inquiries are unauthorized and I ask that u delete them from my report : Inquire from XXXX XXXXXXXX XXXXXXXX on XX/XX/XXXX I am a victim of identity theft and fraud and I never authorized this inquiry Inquire from XXXX XXXX XXXXXXXX On XX/XX/XXXX I am a victim of identity theft and fraud and didnt not authorize this inquiry Inquiry from XXXX XXXXXXXX XXXXXXXX on XX/XX/XXXX I am a victim of identity theft and fraud and did not authorize this inquiry Inquiry from XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX I am a victim of identity theft and fraud and did not authorize this inquiry Inquiry from XXXX XXXX on XX/XX/XXXX I am a victim of identity theft and fraud and did not authorize that inquiry Inquiry from XXXX on XX/XX/XXXX I am a victim of identity theft and fraud and did not authorize that inquiry Inquiry from First Investors Fin on XX/XX/XXXX I am a victim of identity theft and fraud and did not authorize that inquiry Inquiry from XXXX XXXXXXXX on XX/XX/XXXX I am a victim of identity theft and fraud and did not authorize that inquiry Inquiry from XXXX XXXXXXXX on XX/XX/XXXX I am a victim of identity theft and fraud and did not authorize that inquiry Inquiry from XXXX XXXX XXXX on XX/XX/XXXX I am a victim of identity theft and fraud and did not authorize that inquiry Inquiry from XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX I am a victim of identity theft and fraud and did not authorize that inquiry Inquiry from First investors Serv on XX/XX/XXXX I am a victim of identity theft and fraud and did not authorize that inquiry Inquiry from XXXX on XX/XX/XXXX I am a victim of identity theft and fraud and did not authorize that inquiry Inquiry from XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX am a victim of identity theft and fraud and did not authorize that inquiry Inquiry from XXXX on XX/XX/XXXX I am a victim of identity theft and fraud and did not authorize that inquiry
Product: Credit card

Good morning, Chase bank without any notice closed my credit card account. I was submitting a payment on XX/XX/year> when my credit account was listed as close. After still submitting the payment I contacted Chase. They told me the decision is final. Over the past two weeks I have attempted to purchase gift cards. This is due to me not having sufficient funds over the holidays and wanted to send several gift cards to family members. I attempted once and my card was declined. This would go on for two weeks with me repeatedly having to reach out to Chase for security verification and clearance. I spoken to several supervisors and several departments to clear blocks on my card because regular purchases would get declined. No supervisor or manager warned me that the continue attempts to purchase a gift card would terminate my card. Every single one advised me to attempt the transaction again staying on the phone with me or even advising to drive to a different merchant or use a different online site. I ended up purchasing a total of TWO gift cards after 50 different declines from different merchants. I was told because of me speaking to different departments no one had the full information. I spoke to card services, security and fraud, and customer service supervisors. I have never been late on a credit card payment. I have only used over {$6000.00} on the available {$12000.00} limit. I was completely shocked and surprise my card was closed without any warning or notice. They also mentioned too many recent credit card inquiries. I have been working with other credit card merchants and XXXX to have these inquiries removed my account and credit report.