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

I called capital one on XX/XX/XXXX about my credit card late fees. I explained to the manager that the bank that I was using for direct withdrawals had an issue. I had to go to my bank and close my account then I was issued a new bank account. I didn't find out until XX/XX/XXXX that my account payment was unsuccessful. I had been on automatic payment since XXXX XXXXf XXXX. These {$25.00} fees are just ridiculous, & over the top. The manager refused to wave my fees and told me that she could not explain why. Also in XXXX, I had this same issue that's why I put my account on auto draft. A representative told me in XXXX that Capital One allows 5 fees to be waived a year. Representative today, XX/XX/XXXX told me that more than one fee can be waived ONLY if it's on Capitol One fault. all she could say is that she was sorry the previous representative lied to me.
Product: Mortgage

On XX/XX/XXXX XXXX XXXX Bank contacted my wife and I via a letter stating that our home we closed on XX/XX/XXXX required a flood insurance policy that was either cancelled, expired, or was unacceptable as of the afformentioned close date. Additionally, the letter stated that if the bank did not receive replacement or renewal flood coverage within 45 days of this notice, they will charge us {$2600.00} annually for insurance that they will buy. We then called the bank to discuss this, and they claimed that FEMA 's map changed on 11/6/2021 and that we were now in a new flood zone. When we called FEMA, they stated that their map had not been updated since XXXX and we were not in a flood zone, which we also confirmed via an online search. Attached is a screenshot of FEMA 's website showing we are not in a flood zone. 

Our complaint is the following : 1. The bank stated in a letter that we should have had flood insurance as of XX/XX/XXXX, the date we closed on the house, but then contradicted themselves on the phone and stated that we were recently included in a flood zone on XX/XX/XXXX. Which one is it, and why do they not have more specific letters for zone changes? 

2. If we were in a new zone as the bank claimed, they should have provided a letter stating that fact, along with some sort of proof that the zone had changed instead of a false letter stating that we were non-compliant as of our closing date. If we were non-compliant when we closed, how did they let us close? 

3. When asking to speak to a manager or supervisor, we were told there was no one else to talk to. Why is the burden of proof on the consumer to dispute an upcoming forced {$2600.00} charge, and not on the institution?
Product: Debt collection

This item for a collection from XXXX DBA XXXX And Omega RMS is inaccurate and fraudulent because the original contract was dated XXXX XXXX, XXXX, not XXXX XXXX, XXXX. ( See attached ) Therefore the recent collections effort is outside the Colorado Statute of limitations of 3 years. ( See Attached ) Also, upon trying to contact XXXX XXXX XXXX at the phone number listed online, it is disconnected. ( See Attached ) XXXX XXXX XXXX also never fulfilled any part of its contractual aggreement to connect or set up a date of any kind. Back in XXXX of XXXX I called the office multiple times requesting a refund due to lack of performance on their part. My calls were never returned and soon after the phone number was disconnected. I assumed I was simply a part of a scam and there was nothing I could do to get my money back. After doing research as to the corporation listed on the original contract names " XXXX XXXX '' I found that this company has forfeited existence with the secretary of state and has been inactive since XXXX XXXX, XXXX. ( See attached ). I am requesting that the item be removed from my credit report due to the fraudulence and lack of existence and lack of performance of the company trying to collect monies.
Product: Credit card

I contacted XXXX a few months ago regarding a XXXX XXXX XXXX card that was opened by my ex-husband using my information. The account was opened while he was XXXX and I was XXXX. XXXX closed the account since it was opened without my authorization. XXXX noted that I had not activated a single card for this account and I was not aware of this account since I had never received a card in the mail. My ex-husband had access to my personal information from previous income tax returns that were filed. I did not authorize my information to be used for this account in writing, online, or over the phone. I have submitted a notarized identity theft affidavit to XXXX and all XXXX credit bureaus, but have not received any resolution nor has my name/information been removed from this account.
Product: Student loan

In XX/XX/year>, I enrolled in XXXX with XXXX XXXX. This was advertised as providing a .25 % interest reduction if enrolled, and still says as much on their website. 

In XXXX and XX/XX/year>, I received a past due notice on my loans and discovered that XXXX had not worked. I emailed XXXX in XXXX, and they said that I had to call to receive specific help. 

I re-enrolled in XXXX on XX/XX/XXXX, and received an email confirmation that I was enrolled. 

I kept receiving past due notices and had to pay manually. I emailed XXXX again. This time, XXXX responded saying that I had not actually enrolled in XXXX ( I had, and again, had received a confirmation email saying as much ). 

She also said that it might take XXXX billing cycles to go through. 

Even if this is true, it has been many more than XXXX billing cycles since I received my email confirmation in XXXX. 

I haven't received any interest deduction since. In my opinion, this is fraud.
Product: Credit reporting or other personal consumer reports

Subject : Follow-Up on Unresolved Complaint - Request for Removal of Inaccurate Account from Credit Report In re : CFPB Complaint Number XXXX Experian-XXXX XXXX Dear CFPB, I am writing to follow up on my previous complaint, referenced as CFPB Complaints Number XXXX and XXXX which I filed over 30 days ago regarding inaccuracies on my XXXX, Experian and XXXX credit report. To date, I have not received a response from Either, nor have they initiated the required investigation into the dispute. This continued inaction is negatively affecting my credit profile and my ability to obtain credit. 

The complaint concerns the following account : Account Name : XXXX XXXX XXXX Account Number : XXXX Under the Fair Credit Reporting Act ( FCRA ) Section 611 ( 1681i ), credit reporting agencies are required to investigate disputes and respond within 30 days. As XXXX has failed to meet this deadline, I request the immediate removal of this account from my credit report, in accordance with Section 611 ( a ) ( 5 ) of the FCRA, which mandates deletion of information that can not be verified.

Furthermore, All three bureaus non-compliance violates my rights under the FCRA. Section 623 ( 1681s-2 ) requires furnishers like XXXX XXXX XXXX to provide accurate and complete information to credit reporting agencies, and I believe this obligation has not been met in my case. 

I respectfully request that the CFPB take immediate action to enforce XXXX, Experian and XXXX 's compliance with FCRA regulations and ensure the removal of this inaccurate account from my credit report. Additionally, I ask for any guidance on further steps I may take to protect my rights and resolve this issue. 

Thank you for your attention and assistance. 

Sincerely, XXXX XXXX XXXX XXXX.
Product: Debt collection

I believe the Citizens Bank account associated with the account ending in XXXX contains a billing error in the amount of {$3100.00} due to a mathematical error. The reason why is because I see fees & charges and down payment was not applied to my balance for the total amount due
Product: Debt collection

The debt collector is enacting a levy on my XXXX XXXX  XXXX checking account which the debt is older than the statute of limitations under the federal Fair Debt Collection Practices Act ( FDCPA ) in New York. New York State recently passed the Consumer Credit Fairness Act which primarily changes the statute of limitations ( SOL ) from 6 years to 3 years for all collection lawsuits. I also havent receive any information about the debt theyre attempting to collect.
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.

And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Filed numerous disputes on removing bankruptcy from XXXX and Transunion XXXX and XX/XX/2019. Was told it was verified by XXXX I then reached out to XXXX XXXX XXXX speaking with XXXX explaining the issue. I was informed that there is no Bankruptcy in my file disclosure and on my behalf XXXX will submit a dispute regarding the incorrect information being reported to Transunion and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to Citi, XXXX, XXXX, and XXXX  on multiple occasions to investigate the incorrect reporting of this account and each account. This account is not reporting 100 % accurately and has multiple violations in the reporting. Each time I receive letters saying that this is verified and that the debt is validated ... how is that possible if the reporting is totally inaccurate ... .They did not conduct a proper investigation and they are in violation..I am XXXX ... I will be filing a complaint with the state attorney general if this is not removed immediately ... .see attached report and see below for some of the violations that my untrained eyes see ... someone should be holding these companies accountable to follow the law and guidelines that they are supposed to follow.

This account is charged off and sold to a collection agency but reporting a balance of {$2100.00} this is a violation they are reporting a credit limit on a charged off account. this is a violation they are reporting 2 different high credit limits this is a violation they are reporting a past due balance on an account they sold to a collection agency and charged off ... this is a violation they are reporting 3 different dates of last active. this is a violation ... this account has been re aged the 2 year payment history is definitely a violation ... they are reporting a new charge off each month and this is killing my score ....
Product: Checking or savings account

On XX/XX/22 Chime closed my account after a deposit was made to my account. after emailing multiple times they continue to give prerecorded answers and hold my account and freeze my funds. they refuse to open and unfreeze my account. not only is this a recurring issue to other customers but chime refuses to take accountability to fix the problem. it is a disgrace and chime must reinstate my account immediately.
Product: Credit reporting or other personal consumer reports

This is my second time I'm disagreement with the account listed below with my credit report still appearing, even after your investigation. I would like item immediately- re-investigated. the inaccuracies are highly to my credit score. 
XXXX XXXX XXXX  Account number XXXX in accordance with the Fair Credit Reporting Act, Public law 91-506, Title VI, Sections 611, please provide the name and business addresses of each individual with whom you verified above so that I may follow up. Please send an updated copy of my credit report after your re-investigation.
Product: Credit reporting or other personal consumer reports

I submitted a dispute with experian and I constantly get stall letters and they are not fair I submitted all correct documents and I submitted them myself and the send stall letters stating that they don't believe I sent them and I did send them myself
Product: Credit reporting or other personal consumer reports

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

I received a notice from GC Services Limited Partnership dated XX/XX/2019 for File Number XXXX, Client Account Number XXXX for a balance of {$100.00} to XXXX. I am writing to dispute the validity of the debt. This is regarding my XXXX account number XXXX. 

I ended my cell phone service with XXXX in XXXX of 2019. At the time, I had been using a XXXX XXXX XXXX phone that I had originally leased from XXXX. The original lease agreement was for {$31.00} a month for 18 months, which I paid for 18 months. I then paid the same monthly leasing charge for another 6 months. In total, over 2 years, I paid XXXX {$750.00} for the phone. The phone currently retails from XXXX for {$490.00}, although at the time I began the lease, the phone was selling for close to {$600.00}. Regardless, XXXX has already made a $ 150- {$250.00} profit off of leasing the phone to me, depending on when you calculate the market value of the phone. 

In XXXX, prior to cancelling my service with XXXX, I called to find out why I was still being charged for the phone, as I had paid more than the fair market value of the phone over two years. I spoke with XXXX XXXX, XXXX ID number XXXX. He first suggested that I would have to pay {$20.00} to end the lease and own the phone. After I reviewed how much I had already paid towards the phone, he agreed that I had more than paid off the fair market value of the phone and that I would no longer be charged to lease the phone. 

I received what I believed to be my final bill, for service from XX/XX/XXXX-XX/XX/2019 and paid it in early XXXX. I then later received another bill, for XX/XX/XXXX-XX/XX/2019, when I no longer had cell phone service with XXXX. The bill is for {$100.00} and the bill says that it is for Total Lease Amount Due. On XX/XX/XXXX, I called XXXX to find out why I was receiving this bill. I was told by the representative that she saw that there had been some errors and would send me a new bill, although she was unable to explain what the issue was or how much my bill was actually for. She agreed to send me out a new bill, but instead sent me a duplicate copy of the XXXX-XXXX bill that I had already paid. 

Today I tried calling XXXX to find out why they had referred the {$100.00} bill to a collection agency. As you can see in the attached phone log screenshot, I spent over 2 hours on the phone with XXXX today. Each of these calls, unfortunately, only involved me speaking with a representative for a few minutes. After the representative spoke with me for a few minutes, they said that they needed to put me on hold. Then, after leaving me on hold for sometimes 15 minutes or as long as 1.5 hours, they hung up, each time. 

My sense is that because I have already cancelled my service with XXXX, my call is not important and they feel no responsibility to actually talk to me. This is unacceptable given that they are insisting that I pay them {$100.00} more for a phone that I have already over-paid them for. 

Given that XXXX is refusing to discuss this with me over the phone, I am reaching out for additional assistance and to document that I am disputing the {$100.00} charge.
Product: Payday loan, title loan, or personal loan

I got approved and then within minutes I got an error stating that they were having trouble sending the money and to check my email for further instructions. They never sent me an email with those instructions. So I filed for customer service to get back to me and no one has and they still expect me to pay off a loan I never received.
Product: Credit card

capital one cc says I owe XXXX for a credit card I never opened..i used to have a card XXXX years ago, but filed chapter XXXX bankruptcy since then.
Product: Debt collection

XXXX is reporting a collection account on my credit reports. I have never had any account with XXXX XXXX XXXX. I never opened up any account XX/XX/2020. They are reporting fraudulent collection on my credit reports. XXXX lost their reporting privileges so they shouldnt be trying to collect any debts. They also never sent any collection notices, bills, or validation to me by mail nor email. I have no clue why they are reporting inaccurate information on my credit reports. This debt isnt mine and its illegal to report anything that hasnt been validated. I have XXXX for 10 years. Never had any XXXX XXXX XXXX accounts. No bills, contract, purchases, products with XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I did not authorize anyone employed by these companies to make any inquiry and view my credit report. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number.While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : List all inquiries the name of the company and the date it was added to your credit report. 
I did not authorize these inquiries XXXX Inquiry : XX/XX/XXXX XXXX  XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXXXXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX 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 XXXX XXXX : XX/XX/XXXX Please remove it from my credit report
Product: Debt collection

Got a letter from Jefferson Capital Systems about an old XXXX XXXX account that was unpaid in the amount of {$77.00}. I dont owe XXXX any money, and my name on the letter they sent me is misspelled. When I had XXXX many years ago the account wasnt even under my name.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXXXXXX # XXXXXXXX XXXX XXXX ac # XXXX XXXX XXXX XXXX  ac # XXXX XXXX XXXX XXXX  ac # XXXX Permissible Purposes of Consumer Reports Section 604 ; 15 U.S.C. 1681b Investigative Consumer Reports Section 606 ; 15 U.S.C. 1681d Legally Permissible Purposes. The FCRA allows a consumer reporting agency to furnish a consumer report for the following circumstances and no other : 1. In response to a court order or Federal Grand Jury subpoena.

2. In accordance with the written instructions of the consumer.

3. To a person, including a financial institution, that the agency has reason to believe intends to use the report as information for any of the following reasons : a. In connection with a credit transaction involving the consumer ( includes extending, reviewing, and collecting credit ) ; b. For employment purposes ; 8 c. In connection with the underwriting of insurance involving the consumer ; d. In connection with a determination of the consumers eligibility for a license or other benefit granted by a governmental instrumentality that is required by law to consider an applicants financial responsibility ; e. As a potential investor or servicer, or current insurer, in connection with a valuation of, or an assessment of the credit or prepayment risks associated with, an existing credit obligation ; Use of Consumer Reports for Employment Purposes Section 604 ( b ) ; 15 U.S.C. 1681b ( b ) Section 604 ( b ) has specific requirements for persons, such as financial institutions, that obtain consumer reports of its employees or prospective employees prior to, and/or during, the term of employment. The FCRA generally requires the written permission of the consumer to procure a consumer report for employment purposes. Moreover, the person must provide to the consumer in writing a clear and conspicuous disclosure that it may obtain a consumer report for employment purposes prior to procuring a report.

Prior to taking any adverse action involving employment that is based in whole or in part on the consumer report, the user generally must provide to the consumer :
Product: Credit reporting or other personal consumer reports

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

Account Name : U S DEPT OF EDXXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : U S DEPT OF EDXXXX # XXXX - DATE OPENED XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

Southwest Credit Systems has fraudulently flagged my credit report with a collection notice related to XXXX XXXX. I have never had an account with XXXX XXXX. I have informed Southwest Credit and they refuse to remove the collection notice.
Product: Debt collection

XXXX XXXX XXXX XXXX continue to report a derogatory collection account to my consumer credit file. At this point I am requesting ALL contractual documents stating and proving that I am and was responsible for this account as well as agreed to third party collection activity. I have learned that this is in violation of the FCRA and the FCDPA. At this point I ask that this non - validated derogatory account be removed from the credit bureaus immediately as this should not have ever been reported nor attempted to be collected on.
Product: Debt collection

Equiant Financial Services, account number XXXX charged multiple late fees to include 120 day day late fees ( never occurred in nearly a decade of credit usage ) for outstanding balance that was drafted and scheduled. Due to issues at local bank, now a closed and paid in full account, job change and change of address, even when payments made, lack of consideration to reach out to consumer resulted in undue hardship and substantially negative credit impact. Please remove the late fees of 2022 immediately. Unable to secure a mortgage at the present moment due to multiple late fees from this single servicer. Account current, lump sum and on time payments being made, yet damage to credit done will linger for years and cost thousands of additional dollars if not corrected.