23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

During my annual credit pull from all three-credit bureau in XX/XX/XXXX to check for inaccurate information, I came across a delinquent charge from XXXX in the amount of {$680.00} on XXXX and Equifax. After discovering this I immediate froze my accounts with each credit bureau. This account was opened fraudulently without my authorization. I have never had XXXX  cell phone service. Additionally, I have never resided at the address XXXX XXXX XXXX XXXX which is also being reported. I have contacted XXXX requesting to be provided an original signature opening this account. I have also filed multiple disputes with XXXX and Equifax requesting this information in XXXX and XXXX, I have not received satisfactory results from either organization.
Product: Credit card

I had a citi aadvantage credit card, but have n't used it for the last 3 years. I have n't received or activated the replacement card. When I checked my credit report last week and found out i was charged with annual fee every year without having or using the card, I called citi bank to ask to waive the fee, but they refused.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, XXXX XXXX add a hard inquiry on my credit report per XXXX. 
On XX/XX/2020, AMEX add a hard inquiry on my credit report per XXXX. 
On XX/XX/2020, XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Equifax regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX Nature of Complaint : I submitted a dispute to Equifax disputing a late payment reported by XXXX XXXX XXXX I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment made within the 15-day grace period : My payment was made on time, which falls within the 15-day grace period provided by CCB/TYVISA. As such, the account should not have been reported as 30 days late. 
Clerical error by XXXX : Despite making the payment on time, it was incorrectly recorded as late due to a clerical error on the creditors side. This error led to an inaccurate 30-day late report to the credit bureaus.

Evidence Provided : I have attached bank statements and payment confirmations showing that the payment was made on time, clearly indicating that no delinquency occurred.

Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Equifax has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report.

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being.

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act.

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX
Product: Mortgage

My loan was transferred to XXXX Bank for servicing in XX/XX/XXXX. Since then, there have been nothing but problems. The policies and procedures regarding the bank 's automated payment policy have caused me to be late on two payments XXXX in XXXX and XXXX, XXXX ), and pulled a double payment last month XXXX XX/XX/XXXX ). The bank charged late fees on top of those, and credited back one of the two fees. I had originally attempted to sign up for the automated payments, but they did not process the application, and put it into a temporary autopay status, then finally got that resolved a few months later. I worked through the paperwork again in XXXX, submitting everything appropriately, and XXXX did not process it. They sent me a follow up letter toward the end of XXXX saying that I had to resubmit the paperwork. Because I had a payment due XX/XX/XXXX, I made that payment manually. However, it appears that XXXX actually did process my application and pulled my payment in XXXX, causing me to have a double payment. I later received a statement that I wouldn't have a payment due until XX/XX/XXXX, because of the double payment. Though I was not happy with that, I accepted it without complaint. Then XXXX pulled the autopay on XX/XX/XXXX, despite there being no payment due. These sum up a host of bad practices, and XXXX needs to have some accountability in its practices. It's a clear display of incompetence in managing their autopay program.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Maryland XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute several negative items on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). The negative items on my credit report have had a detrimental impact on my credit score, making it difficult for me to obtain credit and loans. 

My name is XXXX XXXX, and the following are the details of the negative items on my credit report : XXXX  Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent, I want it removed from my credit report immediately. 

XXXX Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent, I want it removed from my credit report immediately. 

XXXX Account Number : XXXX I never had any business relationship with this company. Hence, there is no way this account belongs to me. Please delete this unknown account from my credit report right away. 

XXXX XXXX Account Number : XXXX Please verify the payment status, balance, comments, payment history, and account number, as they might be incorrect. Fix or delete this account from my report completely. 

XXXX XXXX  Account Number : XXXX Please verify the payment status, balance, comments, payment history, and account number, as they might be incorrect. Fix or delete this account from my report completely. 

XXXX XXXX XXXX XXXX XXXX. 
Account Number : XXXX I never had any business relationship with this company. Hence, there is no way this account belongs to me. Please delete this unknown account from my credit report right away. 

XXXX XXXX XXXX  XXXX XXXX. 
Account Number : XXXX I never had any business relationship with this company. Hence, there is no way this account belongs to me. Please delete this unknown account from my credit report right away. 

XXXX XXXX XXXX  XXXX XXXX. 
Account Number : XXXX I never had any business relationship with this company. Hence, there is no way this account belongs to me. Please delete this unknown account from my credit report right away. 

Under the FCRA, you are required to investigate my dispute within 30 days of receipt of my request. I am requesting that you promptly investigate and take appropriate action to correct or remove any inaccurate or incomplete information from my credit report. 

Thank you for your attention to this matter. 

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

I have sent several complaints to you recently, and told your credit bureau to " investigate every piece of information '' on the account listed below. I am contacting you because you claimed to have completed a reasonable investigation with the furnisher of information and verified the account listed below as reporting 100 % accurate. However, this account is STILL inaccurate and your company is STILL continuing to report errors on my credit file, which is causing damage to my credit score. 

Account Name : XXXX, XXXX Account XXXX : XXXX. 

Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX .... 

Account Name : XXXX Bank Account Number : XXXX .... 

According to the FCRA the term " investigate consumer report '' means a consumer report or portions thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through persoal interviews with neighbors, friends, or associates of the consumer reported on or with others with who he is acquainted or who may have knowledge concerning any such items of information. They stated the account was verified by how is that possible if they did not do a proper investigation according to the law? Also, every piece of information on this account is still not reporting 100 % accurate. And according to the FCRA 15 USC 1681, everything has to be 100 % accurate. I have previously requested that you investigate this information and you have failed to correct the errors you are reporting on my credit report. Now is not the time to update, I demand that you IMMEDIATELY DELETE this inaccurate information from my credit report. I have filed complaints with the FTC, CFPB, and directly with your credit bureau ( phone, mail & fax ). I have documented all of my efforts and will pursue all resources available to me.
Product: Credit card or prepaid card

This is XXXX XXXX. 
I had Amex credit card in XXXX Reference number XXXX. Sometime in XXXX based on the statement I made the final payment to Amex and requested to close the account. 

In XXXX XXXX when I got a call from a collection agency that my account is in the collection. I went to Amex to understand why it's in the collection. They said that your account is closed with the remaining balance. 

I logged a complaint with AMEX to check my previous statements and check why there is a remaining balance. Since the account was closed they didn't have access to statements and requested the back office to send paper statements. 

On going through the previous statements we figured out that there was a balance of {$10.00} which was not paid after I paid my last statement. And due to a late fee and interest has increased to {$300.00}. 

I made a request to AMEX to consider the payment towards the balance or let me know how to address it. They understood the issue and assured me to take care of it without any need for payment. 

In XXXX XXXX Amex seems to have taken care of the balance as my XXXX XXXX jumped XXXX points and I was not seeing any Amex account on my credit report. 

During the last 4-5 yrs I have taken multiple mortgages and car loans but on none of the reports it has appeared. However, today when I am applying for a Mortgage with XXXX, the Amex balance is still showing on my credit report. 

For the last two days, I have been on multiple calls with Amex and multiple departments but they haven't been able to address the issue that is why after getting assurance from AMEX in XXXX XXXX that balance will be closed I have {$450.00} in balance and it's showing in my credit report. 

Also surprisingly they closed the account twice once in XXXX and again in XXXX after I logged a complaint. But adding {$100.00} to the balance before closing in XXXX.
Product: Credit card

On XX/XX/2023, I requested my Capital One credit card be cancelled because of a chance of it being compromised. At the same time, I requested a new card be issued to me. After waiting for over a month for the card ( which never came ), I called Capital One to find out why it was taking so long. I was instructed by a customer representative ( a different one each time I called who was hard to understand because of a language barrier ) I needed to send proof of my address using a copy of my driver 's license to prove I was who I said I was as well as my address. When I called to follow up on the status of when I'd recieve my card, I was repeatedly told that my driver 's license was a blurred copy and to send another copy. This has been going on since XX/XX/2023. Each time I corresponded with them, I would be given a different case number. I'm still paying my Capital One bill each month- that seems to make it to my mailbox with no problems at all even though I don't have the benefit of using the card in emergencies. I'm a XXXX XXXX XXXX on a limited income. This is taking a toll on me-please help me resolve this issue.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my 3 Bureus consumer report and I noticed some late payments/inaccurate information posted on my consumer report : XXXX XXXX Balance {$950.00}
Product: Checking or savings account

I received a XXXX payment for a item i sold online the person send me the money i received item was shipped XXXX customer received and loved it a month later TD holds the funds as reclamation and its been pending in my account for almost 3 months now
Product: Credit reporting 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 XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has XXXX 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.
Product: Debt collection

Had an inflated debt over {$1000.00} With XXXX XXXX and an agreement to pay monthly until the debt was resolved. In XXXX XXXX discarged the debt, wrote it off even though we had an agreement, no one notified me of the change, and i was still paying on the debt as agreed. Today I received notice of a collection on my credit report, looked it up and its a {$210.00} debt i knew nothing of. No letter, no phone call, and it dropped my beacon score XXXX pts. I had an agreement with XXXX, paid like i was supposed to, dont have an agreement with this company and XXXX XXXX its charged off. Horrible business practices by credit collection services. I told XXXX i had XXXX, going thru XXXX, and was on social security and they did this.
Product: Debt collection

This company agreed with the cfpb to give me until XXXX XXXX, 2015 before they would pursue court action but yet aggressively does so. this is after i have paid hundreds of dollars to them and now they want to garnish me. I have offered to settle ( attached ).
Product: Debt collection

I purchased a vehicle ( XXXX XXXX ) from us auto sales with a 2 year warranty agreement back on XX/XX/XXXX and before I could make it home the vehicle broke down and had to be towed back to the dealership, the transmission was done. I went back the next day and was put into a XXXX XXXX and mid XXXX, the engine goes out. It sat until XX/XX/XXXX because of the back and forth of who is required to do what. I got my vehicle back and not even 2 months, it's down again, this time needing a transfer case and this is when I find out that us auto sales had but been honoring their end of the warranty contract because they weren't paying dowc ( the warranty company ). I'd made almost {$3000.00} worth of payments by this time, but couldn't get my vehicle fixed under a warranty that I'd been paying for that the dealership was taking. I asked us auto sales about deferring a few payments if I had to pay out of pocket for the repairs and was told they would look into it and the next thing I know, I'm getting emails from Westlake portfolio management, which is a debt collection agency that apparently us auto sales has sold/transferred their debt over to because I was never in debt with them. I wrote a letter on XX/XX/XXXX to Westlake portfolio management disputing the information in which they have because I never signed anything with them and was never informed from us auto sales of the transfer. Because us auto sales seems to be out of business or currently in a state of bankruptcyXXXX  there is no one to uphold the contract, they voided our legally bonded contract by stealing money and not honoring the terms as agreed.
Product: Credit card or prepaid card

Navy Federal Credit Union closed my credit account and declared it a loss. They continue to garnish my direct deposits of federal benefits without notice and in large increments while refusing to grant resolution or viable explanation. They are also continuing to add interest to the closed account that was declared a loss. 

They are fraudulently continuing collection practices and what I believe to be unlawful garnishments from my direct deposits of federal benefits without notice on an account that they closed and declared a loss. 

The most recent garnishment was on today XX/XX/2023 in the amount of XXXX on a XXXX direct deposit. 

They have stated that they have the right to do so and the have offered me no resolution.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX, TransUnion, XXXX for failing to properly investigate my disputes regarding inaccuracies, proof of ownership and/or correct dates in my credit report. 
Despite my submissions, the creditors responds back stating the account is accurate, without providing any evidence of a thorough investigation. 

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Its been brought to my attention that these actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure XXXX, TransUnion, & XXXX all comply with federal law and provides consumers with the necessary proof of investigation, original contracts to provide accurate dates/amounts/closures.
Product: Checking or savings account

PayPal Fraudulently opened a checking and savings account in my name without my consent. All charges on this account or accounts are fraudulent. The IP address used to login to the account doesnt match my IP address, the email address used to register the account doesnt match my email address. The cards werent ever sent to me. I didnt sign any applications nor have given my authorization to PayPal to open said accounts. PayPal proceeded to fraudulently link several banks and accounts and cards to this fraudulent account. PayPal then proceeded to falsely accuse me of opening these accounts based on their analysis. None of these Debit cards match any of my accounts nor cards. They allowed funds transfers without my consent. Again I never had access to these accounts. These accounts listed are fraudulent bank accounts and have been closed due to identity theft as proper protocol. PayPal says they verified these and then later said they are having a problem verifying the cards linked. PayPal charges these accounts over {$5000.00} in identity fraud charges. PayPal refuses to close the account and said they cant speak to me about the matter. Yet PayPal has yet to provide proof I signed any application or granted my authorization. PayPal transferred these funds and PayPal authorized these accounts. I have not signed any applications and my consent was not granted to open the fraudulent accounts. Im a victim of identity theft and the email address XXXX IS FRAUDULENT. XXXX XXXX XXXX. PayPal is now attempting to collect this debt which I never obtained. I did not receive any monetary benefits from these accounts and I want them closed as fraudulent applications. I will not pay this collection agency and I am disputing this debt which is in my legal rights. PayPal has an obligation as a financial institution to research and resolve identity fraud. Yet this fraud was caused by PayPal. Opening accounts without my consent.
Product: Student loan

In XXXX of this summer I changed my accounts at my local bank that was where I had my auto deduction made for my student loans. Since the account took awhile to close it seemed to close on the day my loan was to be paid. I contacted XXXX to ask if I should make a payment or see if it went thru and to make sure it would not mess up my student loan forgiveness or anything else. The customer service rep said it would not be an issue and they would send me a letter if the payment did not go thru and I could make it then. The payment did not go thru but since I receive the letter I was able to make the payment for the 15 day window on the loan forgiveness. The Rep failed to tell me  however that I only had a 6 day window on my interest rate incentive and that I would lose it. I could of made a payment that day! If they had provided me the correct information on my loan amounts I would be gaining .25 % less interest!. I have a sizable loan so that is adding up to a significant amount of money, I have contacted XXXX multiple times on this, but they just tell me I am out of luck. This is not my fault I offered to make the payment the rep told me not too!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I sent dispute letters to TransUnion, XXXX, and XXXX  because there is inaccurate information on my credit report. It has been 30days and I have not received a reply or an update on the status of my report. I understand that under 15 U.S.C. Sec. 1681i ( a ), the companies must complete this reinvestigation within 30 days of receipt of this letter.