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

I am writing to formally dispute the late payment charges applied to the following accounts : * Account Name : XXXX XXXXAccount Number : XXXX Opened : XX/XX/XXXX * Account Name : XXXX XXXXAccount Number : XXXX Opened : XX/XX/XXXX * Account Name : XXXX XXXXAccount Number : XXXX Opened : XX/XX/XXXX I believe the late payment charges on these accounts are in error based on my understanding of the consumer rights and protections outlined in the U.S. Code : * Definition of Credit Card ( 15 U.S. Code 1602L ) : A credit card is any card or credit device used to obtain services on credit. I have always adhered to this definition.

* Requirements for Over-the-Limit Transactions ( 15 U.S. Code 1637B ) : I did not opt into any over-the-limit plan, and any related fees should not be applied without my explicit consent.

* Accuracy and Fairness ( 15 U.S. Code 1681 ) : I request a review of the accuracy of the late payment charges and their fair application.

* Timing of Payments ( 15 U.S. Code 1666B ) : The periodic statements did not provide the mandated 21 days before the payment due date, making the late charges unjustified.

I kindly request a detailed review of the charges on the aforementioned accounts. If found to be in error, I ask for their removal and correction of any negative reporting to credit bureaus. 
Please respond within 30 days, confirming the resolution of this dispute. If the response is unsatisfactory, I will consider further legal action. 
Thank you for your attention to this matter. 
Sincerely, XXXX XXXX XXXX
Product: Mortgage

I believe the servicer is intentionally creating obstacles to try and get me to fall into default. Ultimately they want to steal my property. 

The servicer Fay Servicing requires me to reset my password almost every other month when I log in to try and pay my loan. They also have rather ridiculous rules for that password, and do not allow me to reuse any from the past. I am a mature individual who can sometimes have some memory concerns. I contacted the servicer to request an exception be made for my account ( I know this is possible ) they said that was not their policy. I requested to speak with a manager who again reiterated that was the policy and if I had trouble remembering I could always " write down the password ''. 
Other industries when a customer does not like the business policy they can do business with someone else. I no longer wish to do business with this servicer who will continue to place unfair and abusive ( to elderly, memory impaired ) customers, which they suggested that I could always " just refinance '' the loan to do business with a more consumer friendly company. I think that this is just another attempt ( by locking me out of my account ) to cause my loan to go into default, which is where a servicer can really make a nice profit off the default fees. 
There should be no problem in allowing me to either a. reuse a password, or b. set an exception to my account where this password does not change every other time I go to pay online. Perhaps a note from a government regulator may suggest revisiting their policy.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I sent Documentation for inaccurate and unknown accounts in my credit report. It's over 30 days today since Ive sent the documentation but I haven't received a response. I was a victim of Equifax Data Breach. I demand to delete those inaccurate and unknown accounts on my credit report or I will file litigation.
Product: Credit card

Date - XX/XX/24 XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX, XXXX, Wa Action by me - notified the company but did not get any clear resolutions. 

Complaint Summary : I was deceptively enrolled in a credit card program at an XXXX XXXX store. Despite being offered a rewards program, the store associate initiated a credit card application without my full understanding or consent. I was tired and became suspicious when asked for my social security number, but I feel misled into applying for a credit card I did not want as during the entire process not a single time the word " card '' was mentioned. 

Detailed Description : - I was approached by a store associate who offered me a rewards program to save money on my purchase. 
- The associate began an application process that I assumed was for the rewards program.The associate did not mention the word " card '' at any time during the entire encounter. 
- Without clear explanation, the process shifted to a credit card application. I became suspicious when asked for my social security number. 
- Feeling tired and pressured, I completed the application, believing I could sort it out later. 
- I have since discovered that I was enrolled in a credit card program I did not want and did not fully understand.
Product: Credit card

I disputed a charge on my Capitol One Quicksilver Visa by a streaming company ( XXXX ) because their service stopped working. Initially they removed the charge. Later I received a letter from Capitol One informing me that they reinstated the charge. The letter stated they received notification from the vendor that the goods were received as described and in good condition. 

The supporting evidence provided by XXXX states that " we continue to move forward on a resolution. We have been working in good faith with our vendor... .we do not have a timeline '' for resolution. 

In a later second communication they state " we are so sorry the service interruption has continued ''. 

This outage went on for weeks and despite what they say the service wasn't received as described. 

XXXX also provided sign in logs. You are able to sign into the site, but once logged in you can not access any programing. The sign in logs are meaningless. 

Despite this Capitol One Quicksilver Visa sided with the merchant. 

I decided to close the account because to continue to dispute the charge I would have to spend too much time jumping through Capitol Ones hoops. All they have to do is read the information that the vendor provided to realize that they haven't delivered the service as provided. When I tried to close the Capitol One account I was told I couldn't because the dispute was still open. When I tried to close the dispute they refused.
Product: Credit reporting or other personal consumer reports

In a recent review of my credit report Ive noticed a violation in my privacy in accordance to 15 U.S.C 6801 which pertains to the protection of consumers non public personal information and the sharing of that information by financial institutions. My non public information was shared with XXXX XXXX XXXX ( account number XXXX ) without consent and it has impacted my consideration with my current housing needs. I would like to Opt-out of this specific information being shared effective immediately and indefinitely.
Product: Credit reporting or other personal consumer reports

I have previously disputed with XXXX, XXXX and XXXX regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports are badly hurting my credibility. XXXX XXXX XXXX XXXX XXXX XXXX XXXXrtain that my rights as a consumer protected under the law have been violated by this inaccurate information.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX 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. 

XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

I received a text and emails saying that my account was opened yet I never applied for an account. I contacted the company and they verified that an account was opened and it required my full name, address, date of birth, Social Security number, phone number and email. 
They said they had closed the account after I notified them. I have read that this is a common occurrence with Chime. I am concerned that they are fraudulently opening accounts without peoples knowledge.
Product: Checking or savings account

We opened a Wells Fargo Checking Account on XXXX XX/XX/2019. WF Bank had an offer of {$400.00} Bonus credit to the account if direct deposits totaling at least {$3000.00} were deposited into the account in three consecutive months, within 150 days of account opening. The offer said the bonus would be credited within 45 days of meeting the criteria. Account had to be open with at least {$1.00} balance on the crediting day. 

We have met all the requirements. In the months of XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, our pensions totaling in excess of {$3000.00} was credited to the account, the last credit being on XXXX XX/XX/2019, This meets the criteria of three consecutive months of direct deposits of XXXX each within 150 days of account opening. So the criteria were met on XXXX XX/XX/2019 and the bank should have credited the bonus within 45 days which was XXXX XX/XX/2019. So far the money ( {$400.00} ) has not been credited. 

We have communicated with the bank via their online message portal. They contend that irrespective of when the third consecutive direct deposit is credited, they will count 150 days from account opening as the date the criteria are met, and then will take another 45 days to credit the bonus amount to the account. Their specific response was, " However, the account has not yet met the 150 day opening date timeframe, which is XX/XX/2019. The bonus will be deposited into your new checking account within 45 days of meeting the offer requirement. '' We have responded that the 150 days is the limit within which the 3 direct deposits have to be made, but otherwise has no bearing on when the offer criteria are met. The bank maintains that the bonus is not due until 45 days from 150 days irrespective of when we meet the " 3 consecutive direct deposits of {$3000.00} each '' criteria.
Product: Debt collection

I recently received a notification from the credit bureau of a collections account from Receivables Performance reporting negatively on my credit report. I contacted the collections company to inform them that I never received documentation of this debt and balance was paid in full once left XXXX XXXX XXXX. I have attempted to contact the original debtor but to no avail. XXXX XXXX with Receivables Performance acknowledged the address on their file was incorrect and was not their responsibility to obtain correct information once the notice have been mailed once. Lastly, the company recently sent a email with my personal identifying information regarding this debt which they never received my consent. At this time, I am feeling threatened and intimidated to forcefully pay something that is not accurate.
Product: Mortgage

ON XXXX MY HOMEOWNERS ' INSURANCECOMPANY, XXXX XXXX, PAID ESCROW FOR THAT ENTIRE YEAR- NO BALANCE OWED; IT STILL HAD MONEY WITHIN THE ESCROW. IN XXXX SELENE FINANCE , THE MORTGAGE CO. , REQIIRED THEY WANTED {$4400.00} TO CHARGED TO HELD AGAINST MY ESCROW ACCOUNT -- i SPOKE WITH LOAN REPS AND ASKED HOW TO RECTIFY THIS, THEY BUMPED MY MO. PAYMENTS UP BY XXXX. I AM SENIOR, XXXX ON SSA. ON XX/XX/21 THEY SUGGESTED i COULD PAY HOME INSURANCE IN FULL, GREATLY DECREASING THE MO. PAYMENT. I DID SO -- NOTIFIED THEM IN WRITING, AND SO DID INS. CO OF FULL YR 'S PAYMENT. OF HOMEOWNERS INSURANCES! MORTGAGE CO SAID " NEVER MIND, WE WILL HAVE ALL TAKEN CARE OF IT '' IN LESS THAN 6 MONTHS MY MO. PAYMENTS UPPED OVER {$1700.00} /MO!! DESPITE I DID PAY MY OWN INS., AND GIVEN THE MORTGAGE PROVIDED WRITTEN NOTICE AND COPY OF POLICY. XXXX  XXXX XXXX XXXX  HAS HAD OVER 167 COMPLAINTS AGAINTS THIS MORTGAGE COMPANY IN LESS THAN 36 MONTHS!!. SOMETHING IS WRONG .... ESSENTIALLY, THE MORTGAGE CO. ASKING ME FOR OVER 1/2 AMOUNT OF MY REMAINING AMOUNT OWED ON ENTIRE MORTGAGE PAID TO THEM IN LESS THAN 12 MONTHS!
Product: Credit reporting or other personal consumer reports

Attached, you will find OneMain Financials response to my dispute concerning the unauthorized credit inquiry made on my credit report. 

In their response, OneMain Financial claims that the inquiry originated from a company called XXXX XXXX. 

This statement directly confirms that the inquiry was fraudulent, as I have never authorized XXXX to access my credit report in any capacity. This unauthorized action is a violation of my rights. 

I demand that both XXXX and OneMain Financial take immediate steps to remove this fraudulent credit inquiry from my credit report without further delay. 

Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are multiple credit inquiries that I did not authorize on my credit report by the creditors. I sent letters to the credit card companies as well as the credit bureaus on XXXX XXXX, XXXX XXXX, and XXXX XXXX notifying them that I never authorize my credit to be pulled. I sent to XXXX advising that the following hard pull inquires are not authorize by me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX bank XXXX Barclays Bank XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a collection company reporting on my credit file that actually reaged a very old debt. They have it appearing as though the account just went to collections and there that is not the case. There has been no service with the original company for over 7 years. This I thought was illegal. The name of the company is XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ITEMS. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX : {$12000.00} ; XXXXXXXX XXXX XXXX Balance XXXX {$9800.00} ; US DEPT ED XXXX Balance XXXX {$5000.00} ; US DEPT ED XXXX Balance : {$6200.00} ; XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX CRE XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XXXX Date XX/XX/XXXX ; XXXX Inquiry Date 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 XX/XX/XXXX.
Product: Debt collection

XXXX XXXX XXXX purchased an account from CashNet USA in XXXX 2017. They are stating that I owe XXXX in outstanding principal and extremely high interest charges. 

CashNet USA was not licensed to conduct business in the State of Virginia and therefore the debt is invalid. 

( And actually over the years I had the line of credit with CashNet USA I more than paid back the principal and the maximum interest allowed in the State of Virginia, had they been licensed ). 

This account needs to be closed and marked paid in full.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. I filed the correct paperwork and sent it in with my disputes. The paperwork has not been attached and sent to the loan companies correctly. And I am not getting copies of the verification process These are the accounts : XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report Despite my submissions, Equifax consistently responds within 24 hours 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. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C S {$5500.00} ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding the account is accurate, without providing any evidence of a thorough investigation This practice violates the Fair Credit Reportig AGt ( FCRA ), 15 U.S.C. 8 168 1i which mandates a reasonable investigation of disputes. Furthermore, Equfax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C $ {$5500.00} ( a ) X ( 1 ) A ) - ( B ). as highlighted in the CFPB 's recent administrative proceeding ( XXXX XXXX. XXXX ) against them for similar violations. I request that the CFPE take action to ensure Equlfax complies with federal law and provides consumers with the necessary proof of investigation
Product: Debt collection

I received a call from XXXX XXXX XXXX, Esquire General Counsel For Prime Recovery, LLC on XX/XX/2020 about a payday loan obtain online with XXXX XXXX. The amount owed at the time was {$300.00}. Now, the balance is {$1800.00}. The issue is, this company has refused to stop calling my job number and/or my cell number. I have told them a total of 7 times. I told them I needed information in writing and XXXX became very irate and disrespectful. I know their calls should be recorded but please check into this debt collector. XXXX refused to listen to me and has called my job not once, but four times within ten minutes. I received another call on XX/XX/2020 at my place of work again. I hate being talked to rudely and the caller felt the need to tell me that, " I can't pay my bills and you just wasting my time! '' So instead of sending me documents on paper, he emailed me some made up XXXX bill. I've never heard from this company in the past and never received a letter or anything pertaining to the balance.
Product: Credit reporting or other personal consumer reports

Comenity Bank requested credit report on XX/XX/year>. 
Do not know this bank. 

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX
Product: Credit card or prepaid card

I made a purchase on my Nordstrom credit card. I ordered two boots in the amount of XXXX On XX/XX/2021. The delivery was made and left on the street. We live in a security building. The package was left outside the security building one the street. I contact the credit card company and Nordstroms to either reship my order or give me a credit. I have been given the runaround for a month now with no resolution. I want credit back for the package I never received.
Product: Debt collection

After reviewing my credit report, I realized there was an entry for UPLIFT. I was a victim of Identity theft and I submitted all information to credit bureaus and company. It has never been taken care of.
Product: Credit card

A sales associate processed a credit application without authorization. I made it clear to the sales associate that I was not interested in a Belk Credit Card, so I did not process it. The associate processed a credit without my consent. I checked with Synchrony Bank, and they have no record of credit being applied for, awarded, or declined. XXXX requested that I contact the FTC to submit a letter to have the inquiry removed from my credit report. 

I have not received any notification from Belks of Synchorny Bank indicating a credit card application. I am asking that the credit inquiry be removed from my credit reports from XXXX, XXXX, and XXXX
Product: Credit reporting or other personal consumer reports

HAVE BEEN AFFECTED BY THE XXXX DATA 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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXX # XXXX - BALANCE {$3300.00} - DATE OPENED XXXX Account Name : XXXX # XXXX - BALANCE {$1600.00} - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX & XXXX XXXX XXXX XXXX BALANCE {$9100.00} - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX # XXXX XXXX BALANCE {$0.00} - DATE OPENED- XX/XX/XXXX Inquiries XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

In XXXX I went to XXXX XXXX to open up a checking account but was declined saying that I had a balsnce from overdraft checking account with Citibank I called citi bank they said I had bank account with them with overdraft my identity was stolen and police report filed someone opened this account with out my knowledge a d is not my account therefore I shall not be responsible for any charges relating to this account and shall be cleared and not be held respinsible
Product: Credit reporting, credit repair services, or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



XXXX XXXX XXXX Account number : XXXX - IDENTITY THEFT XXXX XXXX XXXX Account number XXXX - IDENTITY THEFT XXXX Account number : XXXX - IDENTITY THEFT 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 of the person knows or has reasonable cause to believe that the information is inaccurate.