23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

To whom it may concern : CAPITAL ONE BANK USA XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX I am officially challenging you to review your data on file for me! With the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U S C 1681I ) and XXXX XXXX compliance standards, I challenge all inaccuracies or deficiencies of reporting.The information in my profile needs to be accurate and complete. You can document your verification process for all the data within my credit report by following these standards set forth under XXXX XXXX compliance and FCRA law, which will ensure that youre meeting deadlines while maintaining accuracy! The information in my credit report and below is wrong. It was never proven to be factual, so now I have decided to exercise my consumer rights! I know I'm entitled to accurate and current information about my finances. So, when the misrepresentation of facts is found on my credit report it can and has had serious consequences! This means I need you to fix these problems right away before they get worse! I am exercising my right to be informed of any inaccuracies on my credit report. I request that you remove any and all false accounts from our records immediately! I demand that ONLY factually accurate, verified, and compliant data be documented and included on my credit report
Product: Checking or savings account

My Husband and I have been receiving separate Bank Statements to our home from Bank of America, The account is a Adv SafeBalance Banking Account. I don't know if this is a checking or saving account, but neither of us opened any account with BOA, nor do we have any other account with BOA. We did not authorize these Bank accounts and want to know how they got opened. My Husband had to go through three avenues to resolve and rid his account providing personal information to BOA personnel 3 times to finally get his account closed. I just received my 3rd statement and it has service fees. I want this account closed, deleted, removed and my name taken off any list with BOA. There is XXXX balance other than 2 service fees of {$4.00} each month. 
I don't want to go through a fraud report with BOA which my husband was sent to fill out. I don't want to call and be asked a PIN number so BOA can access my account on the phone. " An account I didn't open, so how can I have a PIN number ''? HELP!
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of the following accounts and inquiries from my credit report due to fraudulent activity related to a data breach. I did not authorize the creation or association of these accounts and inquiries. Pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I request that you remove these items promptly. 
Fraudulent Accounts : XXXX - XXXX - XX/XX/XXXX - {$2600.00} XXXX  XXXX XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX  XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX  - XXXX - XX/XX/XXXX - {$6500.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$490.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$0.00} Fraudulent Inquiries : XXXX XXXX  XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX  XXXX  - XX/XX/XXXX XXXX  XXXX  - XX/XX/XXXX XXXX  XXXX  - XX/XX/XXXX XXXX  XXXX  - XX/XX/XXXX XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX  - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX 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 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 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 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 XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Someone tried to use my credit without my authorization. Now I have inquiries that I didn't authorize.
Product: Checking or savings account

Bank of America ATM at XXXX location ( XXXX PA ) " froze '' when I was making a {$3900.00} check deposit on XX/XX/2021 - held my check and did not complete the deposit - bank managers and customer support can only create a claim and " escalate '' it, whatever that means - but CAN NOT and will not provide a clear path the resolution or provide help for me to get the funds so I can pay my bills, buy food, etc. 
They are telling me on recorded messages resolution can take up to 45 days and support reps tell me I just have to wait. 
POOR customer support after being a 21 year customer - not that that should matter as every customer should be treated better.
Product: Mortgage

I contacted my lender because I felt the statement they sent me was not accurate. I applied for a loan modification and was denied because the investor said there were no options available because it was a " business '' decision. I offered to put {$14000.00} down but it was rejected because it did not fully reinstate the loan. I don't believe I owe what they say and I feel like they are overcharging me. My loan is now in foreclosure.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are unauthorized inquiries that are not related to any open account and they are 2 other accounts that the status on one is incorrect and the other is not reporting the correct dollar amount balance see XXXX XXXX enclosed for explanation
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following Inquiries. Block and remove it. 
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: Student loan

Threatening to put me in jail, some fantom company posing as the US government, the phone number is XXXX thanks.
Product: Credit card

My wife and I both utilize Military Star credit cards ( websites : XXXX and XXXX XXXX. During this billing cycle and earlier ones, we have been unable to pay our bill in full and therefore avoid interest charges. Upon attempting to do so at their website, I am only able to pay up to {$2500.00} or the entire credit card balance. Furthermore, only one payment is allowed during every seven ( 7 ) day period. The Military Star card terms and conditions are located here : XXXX These terms do not mention a dollar amount or the minimum time required between payments. No credit cards we have ever used have imposed such limitations on the amount and frequency of payments.
Product: Credit card

I have had a Macy 's credit card since XX/XX/XXXX. I received a letter in the mail XX/XX/XXXX stating, " this letter confirms receipt of your written notice to reject the new terms contained in the change in terms notification of your Macy 's credit card account, since you have elected to not accept the terms, your account has been closed ''. 
I have never received a request to accept any new terms from Macy 's, and I have talked with XXXX different customer service agents concerning this issue. I was finally given another number to call XXXX. The agent at this number said she could n't help me, they were the department for delinquent accounts. I have always paid my Macy 's account on time and I am currently in good standings with them. I really need help. I was appalled from this letter saying they were closing my account without my permission, or giving me a valid reason. I have told the agents at Macy 's to send me the written rejection letter that I supposedly have sent them and I was told they could n't help me. Please if anyone from your office can find out if a fraud act has been committed and help restore my Macy 's account back to good standing. I have great credit overall and I am afraid this will cause a negative impact on my credit bureau records.
Product: Checking or savings account

On XXXX, I logged into my mobile banking app for my account with Citibank. I seen that there was a block on my account. There was no email, no call or nothing sent on why it was a block on the account. I called Citibank several times, no one has any information on why its been closed, all Ive been told is that I will receive the balance of the account via check within 60 days. Each person Im, Ive spoken to has been rude and has hung up on me. I dont have 60 days to wait. I have a new baby arriving really soon within the next day or two. I need help resolving this issue. If they need to close the account thats fine, I just need my money thats in it
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Experian/XXXX/ XXXX  Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. Enclosed are the following : A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.

See Attachment accounts : I appreciate your prompt attention to this matter, and await your reply.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted this complaint to update this suspicious information. Credit Bureaus must validate these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Balance XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Team recovery and some XXXX XXXX collections including other recovery services have repeatedly putting collections on my credit report. These are all medical bills. I am XXXX and receive XXXX. My income is low and I can not pay these bills they turn into collections against me. I have contacted the hospitals and they have offered no financial assistance to me at all. Please help with these collections!!!
Product: Mortgage

We have FHA loan from XXXX, LTV less than 90 %, term for 30 years. 
The Informed Consumer Choice Disclosure Notice states that if the term of your loan will be greater than fifteen ( 15 ) years and LTV is 95.01 % or greater, borrow is required to pay MIP for thirty ( 30 ) years. As the loan was originated after XX/XX/XXXX, and good LTV our PMI should be cancelled. 
We are paying PMI payment is {$180.00} which is over 10 % of our mortgage payment per month. 
We have requested M & T to drop PMI but they don't agree and state it is for lifetime of the loan. This is a lot of money per month for us and we thought it was for short term and will go away as soon as we have 20 % equity build up..
Product: Credit reporting or other personal consumer reports

I am writing to you as the holder of Mortgage account number XXXX XXXX XXXXXXXX to report an issue negatively impacting my credit report that appears to be in violation of the provisions of 15 U.S. Code 1666b, as well as other relevant sections of the Fair Credit Reporting Act ( FCRA ). 

According to 15 U.S. Code 1666b, creditors must send periodic statements, including all information required by section 1637 ( b ), at least 21 days before the payment due date. This requirement ensures that consumers have sufficient time to receive, review, and make necessary payments without being unfairly penalized for late payments. 

Additionally, the FCRA, specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files.

I have identified that the statements for my credit card have not been delivered in compliance with these requirements, resulting in the appearance of late payments on my credit report. This non-compliance has adversely affected my credit score. 

I formally request that you investigate and correct any inaccurate information related to these late payments on my credit report. Below are the details of the affected payments XXXX XXXX XXXX XXXX XXXX XXXXXXXX I would appreciate your prompt attention to this matter to rectify any errors in my credit report. I am willing to provide any additional documentation necessary for your investigation. 

I look forward to receiving written confirmation of the actions taken to correct this information and ensure compliance with the relevant regulations.
Product: Credit reporting or other personal consumer reports

Statement of Fact : Congress found that the purpose of the Fair Credit Reporting Act ( FCRA ) is to require that consumer reporting agencies ( e.g. XXXX, XXXX and XXXX ) adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance and other information in a manner which is fair and equitable to the consumer. 
. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TARGET/TD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is in violation of several laws in regard to how they are reporting and are stated as follows : 15USC1681-A 15USC1681s-2 15USC1681a 2 ( A ) ( i ) 15 USC 1681e ( b ). 


The inaccurate reporting of both my account status and payment status by XXXX XXXX XXXX XXXX XXXX TARGET/TD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  is causing harm to my credit reputation and financial standing. 
All items listed in Exhibit B are invalid, inaccurate, not timely and carry no documented evidence, it is damaging to my character, creditworthiness and well being by falsely stating those non compliant unverifiable accounts on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reviewed a copy of my credit report and I show company XXXX XXXX XXXX XXXX account number XXXX is listed as non-verified account. I have attempted on several times to have this account reviewed with no luck. I have been violated per the FRCA and FDCPA. I will need help for deletion of this account due to attempting to purchase a home.
Product: Debt collection

this person is tryna collect and i was XXXX XXXX for XXXX years i dont owe any debts
Product: Credit card

On XX/XX/year>, a charge for {$66.00} from XXXX XXXX? XXXX was posted to my Chase Sapphire card. Within two days, I reported this as fraud to Chase. Chase closed my card and sent me a new one and credited my account while they investigated. On XX/XX/year>, Chase sent me a letter telling me that I am responsible for the charge because received benefits from this transaction. It was then billed back to my card. I absolutely did not make a purchase at this vendor ( and the way in which the name is listed should be reason enough for Chase to recognize this as fraudulent as it doesnt align with how XXXXXXXX the restaurant would normally show up on a statement ) and if I did receive any Cash Back bonuses ( minimal- maybe a few dollars ) Id happily pay that back. But I should not be responsible for {$66.00}.
Product: Credit card or prepaid card

I requested a deferment through the CARES Act on my Citibank card. I was granted a deferment. During the last 2 months they continued to charge interest. I realized this was happening when I received an email that I went over my credit limit. Knowing I had not used the card, I found out it was because of the interest they were charging me that put me over the limit. I do not want to be over the limit and was doing everything possible to remain in good standing on all fronts so I called them to inquire what I could do to ensure that wouldn't happen. They said I could pay ( even while under the CARES Act deferment ) to ensure that wouldn't happen again during the deferment ( which for me is set to end on XX/XX/XXXX. I paid a sizable amount to not only bring my account under the credit limit, but to also ensure that I had some breathing room and I wouldn't go over my credit limit again due to interest charges. 
Fast forward to today when I receive a letter that my credit limit has now been decreased ... which is yet another thing to affect my credit score. I have spent hours of my life before and during the pandemic inquiring about how to get on a payment plan with 0 % interest so that I could pay down my balance. I was told that during the coronavirus deferment period, I can not be taken off of that status to consider another program. I was told to call back on XX/XX/2020. 
So, although they have made consumers believe we are 'safe ' from credit card payments during the CARES Act, I had to make one to keep 'current ' due to interest charges and then only to have my credit limit decreased. I will have to make another minimum payment in order to not be over my limit again next month due to the interest they will charge me for past purchases. Therefore, I have not gotten any kind of 'break ' due to the coronavirus deferment that I can't even get off of until next month. 
They seemed to have found a way to thwart a consumer 's desperate need to keep current and in good standing during this awful time where so many are out of work. Once I pay this card down I will never be their customer again. It is abhorrent that during this time when they pretend to help their customers, they are actually finding the other ways they can make money and hurt the consumer 's credit. Regardless of my current circumstances and deferment, they are betting on me paying so I will not go over my credit limit again. I would've just paid during the past few months if I knew this was going to happen. And, I would have ended up in better standing with Citibank. This was the exact opposite of what the CARES Act was meant to do for consumers.
Product: Credit card

Citi spitefully and ignorantly sent years of credit card statements via unsecured email, when my request was clearly for a very short list of the specific merchants within the app profile in question and clearly noted [ XXXX, XXXX, XXXX ]. I dont work for Citi XXXX Its not my app. And, not my rules. Its not my job to prove a negative here.it is the obligation of the Executive Team at Citi they seem determined to avoid. Citi must prove the XXXX XXXX as intended by providing the dates of charges for the merchants previously provided and found in the Citi app. Now its up to you CFPB to get what I asked for. Its very simple. Thus, since youve repeatedly closed my previous complaints IN ERROR, Ill simply reopen yet another. Thank you.

PS : I do expect the CFPB will take steps to shield and protect years of credit card statements that the idiots of the Citi Executive Team chose to unnecessarily disclose to delay the inevitable realization that the XXXX is deeply flawed and fails to work in practice as intended.
Product: Mortgage

I applied for loss mitigation assistance with my loan servicer, Fay Servicing, due to financial hardship resulting from a house fire coupled with a decrease in household income. However, due to extensive delays with Homeowners Insurance releasing funds for repairs/fire restoration expenses, my home is unoccupied and has remained vacant for several years. The mortgage is severely delinquent, while we are forced to maintain temporary housing until our home is repaired & suitable to live in. We have exhausted all efforts and options available and are only met with resistance and indifference from our lender/servicer, which has changed many times over the years. As owners of the property our home retention efforts have been denied and/or ignored. We are in immediate need of assistance to finally resolve this ongoing issue, which has caused a significant and unnecessarily lengthy hardship to our family, including prolonged displacement, the financial burden of maintaining temporary housing, severe credit damage, and extreme emotional and mental stress. Thank you in advance for any assistance or advice you can provide.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the late payments on this XXXX XXXX XXXXXXXX XXXX And XXXX   XXXX for months. XXXX and XXXX have reversed them but Equifax is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. Under the FCRA ( Fair Credit Reporting Act ), a lender, financial-institution and/or credit card company cant treat a payment as late if it was received by XXXX XXXX on the day that it was due. If the due date was not a day on which the card company receives or accepts mail ( for example, Sunday or a holiday ), the card company can not treat a mailed payment as late if it was received by XXXX XXXX on the next business day. CFPB please step up and fix this ASAP please Im looking to purchase a home.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, I am a living human being, I have rights under 15 USC 1681. 

XXXX and TransUnion is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be removed because : According to 15 USC 1681 : I have the right to privacy and I did not give XXXX nor TransUnion written permission to furnish these accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX  XXXX DEPT OF ED / XXXX XXXX
Product: Debt collection

I asked them to provide me with these documents and they never did.

1 ) An explanation of what this alleged account balance is for.

2 ) A calculation of this balance, including the complete payment history on this account, so I have proof that the amount is correct.

3 ) Documentation that shows I agreed to pay this debt.

4 ) The agreement that grants you authority to collect on this alleged debt.

5 ) A copy of your state license, including license number.
Product: Payday loan, title loan, or personal loan

Received call today from Niagra Restitution Services ( XXXX ) XXXX they are harassing with repetitious calls and hang up about a payday loan with XXXX XXXX XXXX  from XXXX estimated date given XXXX and XXXX explaining I never received these funds, I didnt leave at address given, IP address for computer and threaten to take my driving license. I told them I will follow up with my bank I didnt receive it and Ive had identity theft, police report and reported to Federal Trade Commission. They are still harassing and I would like calls stop.