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

I prepaid for a month of classes ( 5 sessions- {$110.00} ) on XX/XX/2020 using a capital one business card. The business was forced to close part way through the month for covid 19 by government order and I was unable to get 3 of the classes I paid for. 

I initially requested a partial return of my payment ( 3/5ths, {$70.00} ) from the company but they stalled and ultimately refused. I next turned to my credit card company for a chargeback for services not received. After a month Capital One sided with the merchant since the merchant had a 'no refund ' policy in terms and agreements they supplied to capital one as justification. I appealed, arguing that I didn't want a refund ( which by definition requires a product/service to have been received by XXXX XXXX ), I wanted the portion back for services not received which is clearly spelled out in the credit card agreement that I am protected against. They still sided with the merchant ( listing a failure to receive documents but unclear what documents they require beyond their own credit card agreement and a dictionary ). I attempted to mediate through the XXXX as well without success so now I turn to the CFB to assist with getting capital one to honor the terms of consumer protection for services not received.
Product: Credit reporting, credit repair services, 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 XXXX Account name : XXXX XXXX ( Bank ) Account name : XXXX XXXX XXXX XXXX ( Finance ) Account name : XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX  Account name : XXXX XXXX XXXX XXXX Account name : XXXX  XXXX Account name : XXXX XXXX Account name : XXXX XXXX Account name : XXXX XXXX XXXX Account name : XXXX XXXX Account name : XXXX  Account name : XXXX XXXX XXXX Account name : XXXX XXXX XXXX Account name : XXXX XXXX XXXX Account name : XXXX XXXX Account name : XXXX XXXX XXXX Account name : XXXX XXXX XXXX has violated my rights. 

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

Between XX/XX/2013 and XX/XX/2013 I deposited a check in my account in the County of XXXX XXXX California, from a third party. Check did not clear, maybe altered or stolen. XXXX XXXX  XXXX closed my account after freezing it an reported me to XXXX XXXXXXXX and XXXX XXXX for fraud activity or intent to commit fraud. For more than four year I have not being able to open a checking or savings, personal not business for my corporation with any financial institution because XXXX XXXX XXXX reporting.
Product: Debt collection

Debt Collector has not provided a notice of any existing debt nor the provided verification of said debit. They have not provided proof that they are licensed to collect debts in my city or state. Instead in bad faith they place negative information on my credit report, impacting my score circumventing my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to the credit bureau to ask them to get in contact with a collection agency that was reporting an account on my profile. I asked that they do an investigation to provide me with original documentation that states that this account belonged to me because I do not recognize this account. I also asked experian to provide me with information regarding how they received this information to report on my account and who they spoke to. I received nothing but a verified. It is my understanding that the information must be 100 percent accurate and Its my right to request those things. experian did not prove or provide me any information that connect me to this collection account.
Product: Credit reporting or other personal consumer reports

After carefully inspecting my recent credit report, I found a number of fraudulent accounts that I did not authorize.
Product: Checking or savings account

Received a letter yesterday XX/XX/21 from Charles Schwab about an account open in my name using my personal info. I did not open said account at any time. Today XX/XX/21 recieved a debit card contacted Charles Schwab customer service informed them my identity has been stolen and used to open an account, police report was made. Spoke with Fraud department from Charles Schwab - Investigation and account was frozen will have continuous communication with me
Product: Credit reporting or other personal consumer reports

I pulled a copy of my credit reports and noticed that erroneous accounts that need to be immediately DELETED. 

ERRONEOUS ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am a federally protected consumer, and I am well aware of my RIGHT TO PRIVACY outlined within 15 USC 1681 and more specifically 15 USC 1681A ( 4 ) . These accounts are related to transactions and experiences that falls under the EXCLUSION section of the FCRAs definitions, rules of construction section under 15 USC 1681a ( 2 ) ( a ) ( i ). It was ALSO REPORTED WITHOUT MY WRITTEN CONSENT and therefore is a result of identity theft ( as defined by the Federal Trade Commission ), and these accounts SHALL be Corrected. These accounts are NOT related to any transactions authorized by me, the consumer as I DID NOT give written instructions to your agency to report this, which is a clear violation of the PERMISSABLE PURPOSE section of the FCRA, which holds these agencies liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance outlined within 15 USC 1681n. Please DELETE these items from my consumer report! 
15 USC 1681b-2 THE LAW CLEARY STATES : ( a ) 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. I clearly did not give your agency written authorization or written instructions to report this information. Your agency is conspiring with these creditors against me in committing aggravated identity theft and I have sustained defamation of my character, just to name a couple damages should this matter escalate to court.
Product: Credit reporting or other personal consumer reports

To whom it may concern, My information was sold and bough illegally because I was a victim of the XXXX data breach. I want these items deleted from my credit reports effective immediately. I am attaching proof that XXXX admitted that I was in fact a victim of this data breach and XXXX has done nothing. Please help me delete these illegal accounts from my credit report.
Product: Debt collection

Collection agency name : Address : Account number : Your NAME : Your address : Dear ( Debt Collector ) I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 
Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : XXXX. The name and address of the original creditor and the current creditor. 
2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 
XXXX. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 
XXXX. Proof that the original creditor securitized the debt. 
XXXX. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 
Notification to Other XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter.
Product: Mortgage

I was affected by XXXX XXXX ( which was declared a natural disaster for my area ) on XX/XX/XXXX. XXXX. I requested assistance from my mortgage company, Truist, on XX/XX/XXXX. They explained the forbearance option and I answered a serious of questions with the representative on the phone. I was then told that I would be entered into the forbearance and would not have a payment due until XX/XX/XXXX. 

In XXXX of XXXX, I received a phone call from the collections department at Truist, asking for a payment. I explained that I was in a forbearance and my payment was not supposed to be due until XX/XX/XXXX. The representative reviewed my account and said that it does not show that the account was in forbearance but that he would fix the issue and mail me a packet of paperwork that I would need to sign to agree to the forbearance. I asked specifically if this was going to hinder my credit score to which I was told " No, I will have this rectified and it will not effect your score. '' In XXXX of XXXX, I received a notification from XXXX that my XXXX XXXX had dropped XXXX points due to a 90 day late payment being reported. I called Truist immediately to ask why and filed a dispute on XX/XX/XXXX. The representative told me it was an error in their system and that's why it did not report for XXXX or XXXX but reported late for XXXX She explained that there would be no issues fixing the report. 

I am in the process of trying to make a large purchase for my business and this is hindering that EXTREMELY. I've also had 4 credit card companies send me notification that they have lowered my credit limits ( by thousands ) because of serious delinquency being reported and one company actually closed my {$12000.00} account completely. This seems completely unfair as I have absolutely no control over this matter and it was a mistake on the mortgage company 's side.
Product: Checking or savings account

I received a call from my phone company XXXX XXXX XXXX this afternoon saying that my phone bill was not pay and i made a payment over a month ago and didnt receive anything from the back that it was declined now Im being charged double with an overdraft
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information contained in my credit report. Specifically, I have noticed a discrepancy between the balances reported by XXXX Experian and XXXX for the same account. 

According to my XXXX credit report, the balance is {$0.00} as of XX/XX/XXXX. However, my Experian credit report shows a balance of {$110000.00} as of XX/XX/XXXX. Furthermore, according to XXXX credit report show a balance of {$110000.00} and a report date of XX/XX/XXXX. These conflicting balances for the same account indicate an error that needs to be addressed and corrected immediately. 

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681, Congress has articulated the purpose of the act, which includes ensuring the accuracy and fairness of credit reporting. As stated in the congressional findings and statement of purpose : Congressional Findings ( 15 U.S. Code 1681 ( a ) ) : " The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. '' Statement of Purpose ( 15 U.S. Code 1681 ( b ) ) : " It is the purpose of this subchapter to require that consumer reporting agencies 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, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. '' In light of these findings, I request that an immediate investigation be conducted to reconcile the discrepancy between the three reports. I also request that my credit reports be updated to reflect accurate information. Enclosed are copies of both credit reports highlighting the discrepancies.
Product: Credit card or prepaid card

I was considering to close one of my accounts with American Express, so I made a call to customer service on XX/XX/XXXX. When the customer service representative was reading the disclosure before finally canceling the account, I suddenly lost connection to the call due to the poor network connection. I thought the process of account closure would not be completed, as they would need to finally ask for my approval after the disclosure. I also changed my mind, and decided to keep the account open until XXXX 2020 when the annual fee is due. 

However, I was very surprised to see my account closed on the next day, therefore I immediately called customer service. An agent and a supervisor named XXXX both advised that the account would be reinstated, and the supervisor offered XXXX rewards points as compensation for inconvenience. The supervisor also advised that she was working with other departments to try to get the card delivered to me as soon as possible. 

On XX/XX/XXXX, I realized that the account was not reinstated as promised, when I was trying to add the card to my online account via online chat. I then called customer service again, and was advised that the previous request for account reinstatement was declined due to my recent FICO score being around XXXX, which is not bad though. As such, I submitted an internal complaint to American Express, since there would not have been such a problem if they did not close the account without my final approval. 

I then called the department related to the specific card type, and was advised by a supervisor named XXXX that technically they would not be able to reinstate it at all, since this type of card is no longer open for applications. I then realized that the previous agent and supervisor gave me wrong information, which caused extreme confusion and frustration and should not happen. XXXX offered XXXX rewards points as compensation. I mentioned that last time the supervisor also offered the same, but I had not received it. XXXX responded that there was not such a note in the system, therefore they would not honor it. She also refused to acknoledge the existence of promise for compensation in my previous conversation with XXXX. 

In the end, they would not reinstate my account, which was closed due to their mistake, and refused to honor the compensation as promised. I have spent two hours in phone calls regarding this problem and got extremely frustrated, and also lost my account which has been open for three years.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX I realized I was beyond 30 days behind on my personal loan payment with XXXX. In the past through 2020 I have had income issues related to lost business  from COVID. They had worked with me once before to not report a 30 day late payment. While this has improved, my income has not fully recovered. I had to contacted them to let them know my payment may be past 30 days late. As soon as I could, I payed both the past due and soon after the current month was caught up. After having never reported a payment late before as long as I had spoken with them and arranged repayment, they reported this payment late. Inconsistent reporting, leaves you very confused about the relationship with a lender. Needless to say, this resulted in an 80+ point drop in my credit score, destroying it. The account has been brought current, but is currently just a few days behind and will be caught up in a matter of days. If they are going to enforce their rules, they should do it in all cases. In my case I have had always kept it paid, and when I got behind it was brought up quickly. Please have the late payment for this account removed. Fair is fair, especially as we are trying to recover from an economic situation we did not cause, want or ask for.
Product: Credit reporting, credit repair services, or other personal consumer reports

The XXXX XXXX has failed to do a proper investigation and independent investigation. Ive sent several certified dispute letters regarding the inaccurate late payments. XX/XX/XXXX is 30 days late, XX/XX/XXXX is 60 days late, XX/XX/XXXX is 90 days late, and XX/XX/XXXX is 30 days late. 

I've asked for proof that I was late the month XXXX XXXX has reported but they fail to reply to anything.. XXXX XXXX simply ignores my disputes. They think they are simply above the law and they can just ignore it. 

Violation & Inaccuracies Failed to enter the Notice of Dispute within 30 days It is a Violation to report a {$500.00} Credit Limit on a account that has been closed since XXXX The XXXX XXXX Said the account is reporting certified accurate AND correct information. But how can this account be accurate when this account has been disputed XXXX consecutive months yet the " Status Date Updated is XX/XX/XXXX. '' That's impossible to be reporting Certified accurate VERIFIED information WHEN THE STATUS DATE HAS NEVER CHANGED XXXX SO THAT MEANS THIS ACCOUNT HAS NEVER BEEN independently INVESTIGATED. VIOLATION OF SECTION 623.
Product: Checking or savings account

I am filing a complaint with the CFPB regarding Capital Ones failure to deposit my direct deposit from my employer and any other incoming deposits. Capital one has cited technical issues, which may violate the Electronic Funds Transfer Act ( EFTA ) as it requires timely access to funds. This situation raises concerns about the customer protection laws, and I request your assistance in investigating this matter to assure that my rights are upheld. Thank you.
Product: Mortgage

We closed on a house recently in XX/XX/2021 with XXXX XXXX XXXX. After closing, the loan was tranferred for servicing to Flagstar bank. During the transfer, Flagstar truncated borrower 's first name from " XXXX XXXX '' to " XXXX XXXX '' which is not the legal name. It does not match the closing documents, or the deed or any other official documents. After repeated contacts with Customer Service as well as filing a complaint with CFPB, we've been told that Flagstar can only handle names within certain character limits and will need to truncate everyone else 's names. No resolution was offered except a reference number was provided. When requested for anemail ID where complaints can be made, both customer service agent and the supervisor refused to offer any resolution except for truncating the last name.

When a complaint was made to the CFPB earlier, Flagstar closed the complaint without providing any resolution. We have paid over XXXX to purchase this house and in return we have a very basic expectation that the company which services our mortgage should be able to spell both borrower 's names corrected on all mortgage related paper-work. 

If they are unable to spell borrower 's names correctly, they should not be able to service our mortgage. We would request them to correct the mistake in their paper-work or transfer our servicing back to XXXX XXXX who we had chosen as our lender.
Product: Credit reporting or other personal consumer reports

Company reporting incorrect trade line balance to XXXX.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX XXXX Owed : {$4100.00} XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX : {$11000.00} XXXX XXXXXXXX XXXX Balance Owed : {$100.00} XXXX XXXX **** Balance Owed : {$140.00}
Product: Bank account or service

I applied for a credit card that would give me a discount on Amazon. As a result Chase Bank sent me a SNAIL MAIL saying that if I did n't respond by 30 days from the date of the letter, they would discontinue the evaluation of the application. I 'm traveling and I finally received the letter 26 days after they sent it. Now it 's impossible to find an e-mail address for this bank and I do not have the means to call their XXXX number. This is a major frustration and seems very UNPROFESSIONAL.
Product: Debt collection

Was being charged an overdraft fee for every overdraft that was made when I had an account with Navy Federal Credit Union
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 Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX and 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 XXXX 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: Credit card or prepaid card

Have been a loyal good credit card customer with Citi Bank with a Mastercard for over a year. I have ALWAYS made my payments in a timely manner, and often I make SIGNIFICANTLY MORE than the minimum payments. I made a lump sum payment two days ago for {$500.00} off my credit card which has a limit of {$4000.00}. In response, Citi reduced my credit limit for making all my payments on time and being a great customer? 

I am at a loss. I attempted to contact Citi to work this matter out, but they refused. Please advise what other federal formal complaints I may file against Citi Bank as well for their heinous act of financial terrorism against a good customer.
Product: Debt collection

Sent a signature card paper w/ Signature stating XXXX XXXX Didn't send Documentation Government I.D Copy or Social security Number/ Address on Signature Card isn't mine Wrong XXXX XXXX XXXX XXXX XXXX