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

I have been trying to dispute fraudulent charges made on my account since XXXX XXXX. I left the United States and last used the card on XXXX XXXX, XXXX ( please see attached airline receipt and passport page image ). However, fraudulent charges began appearing on my account on XXXX XXXX, XXXX. I noticed these charges on XXXX XXXX, XXXX and called Citibank from XXXX XXXX. Citibank sent me an email alerting me to the fraud ( see attached ). I was told that the charges would be investigated. I also requested that the account be closed and it did not happen. I called again on XXXX XXXX, XXXX and was told that the charges were still under investigation. On XXXX XXXX, XXXX, I submitted a payment of {$1000.00} and was told that the credit would be applied for the fraudulent charges. That also did not happen. I visited a Citibank branch in XXXX, Florida on XXXX XXXX, XXXX and was told that they could not help me with my credit card account there. I called again on XXXX XXXX, XXXX and spent 47 minutes on the phone speaking with 3 different representatives. First, I spoke with XXXX. I explained the issue with the fraudulent charges and she assured me that fraudulent charges would be refunded to the account along with late fees and interest charges which resulted from those fraud charges. She then transferred me to XXXX in the Fraud Dept who said she had no access to the account and that she would have to contact the Billing Dispute Department. She transferred me to XXXX. XXXX is the one that helped me the most, reviewing the fraudulent charges with me and initiating disputes for each of them. When she finished going through each charge she told me that someone would call me back within 24-48 hours. I asked her about the interest fees and late charges. She said that an account supervisor would need to help me with that and told me to hold. I was then disconnected from the call after 47 minutes! I called back again right away and spoke with XXXX. Without even letting me explain what my issue was she said I had to call back at XXXX tomorrow to speak with a Collections Supervisor. I explained that I had just finally initiated a fraud investigation on my account for the 3rd time and that the account should not be in collections. She told me that someone would call me back within 2-3 days. I got very upset about that since XXXX had told me I would hear back within 1-2 days. I asked about the timeframe again to be clear and XXXX said it would be 1-2 days. She then insisted that she could see all of the notes made on the account, but that I would have to call back the next day to speak with a Collections Department Supervisor at XXXX. Also, please note that I was placed on hold several times during this call and was on the phone for a total of 23 minutes. You can see a screenshot of my phone in the uploaded items. I am XXXX years old!!!
Product: Credit reporting or other personal consumer reports

this is not my account it is fraudulent and i never ordered company to furnish my records
Product: Credit reporting or other personal consumer reports

XXXX XXXX has been sharing my personal non-public information with non-affiliated third parties including consumer reporting agencies. on XX/XX/2023 I notified XXXX XXXX that I am opting out of all and any authorizations whether written, unwritten, verbal or non-verbal for the sharing of my non-public personal information pursuant to 15 USC 6802 of the Gramm - Leach Bailey ( GLBA ) Despite my explicit opt out request and my clear assertion of my rights under the GLBA, I have reason to believe that XXXX XXXX has continued to furnish my nonpublic personal information to non-affiliated third parties and consumer reporting agencies without my consent. 

This unauthorized use of my personal information constitute a serious violation of my privacy rights and a breach of federal law. I am deeply concerned about the potential consequences of this unauthorized sharing, including the potential for identity theft, fraud or other financial harm. 
Can the Consumer Financial Protection Bureau please investigate this matter thoroughly and take the appropriate action to ensure that XXXX XXXX complies with all federal regulations and laws, including the GLBA, to protect the privacy and information security for consumers like me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I didn't authorize the following inquiries : XXXX XXXX XX/XX/XXXX Finance other than personal XXXX XXXX XX/XX/XXXX Finance other than personal INFORMATIVE XX/XX/XXXX Miscellaneous and public record XXXX XXXX XX/XX/XXXX Miscellaneous and public record XXXX XX/XX/XXXX Credit card and travel / entertainment companies XXXX XXXX XX/XX/XXXX Miscellaneous and public record XXXX XXXX XXXX XXXX XX/XX/XXXX This is a collection account. Can you have them send the original agreement with my signature. If they can not, can you make them remove it. 

XXXX XXXX XX/XX/XXXX This account has never been late. Have them to provide proof. 

XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX This account was never late. Have them to prove it. 

XXXX XXXX XX/XX/XXXX This is a collection account. Can you have them send the original agreement with my signature. If they can not, can you make them remove it.
Product: Mortgage

I refinanced my home Mortgage that was with Bank of America. I refinanced through a different company and got confirmation that my Bank of America Mortgage was paid in full on XX/XX/XXXX. I tried on 3 occasions ( XX/XX/XXXX, XX/XX/XXXX & XXXX ) to contact Bank of America regarding the refund of approximately $ XXXX of my Escrow account balance. On XX/XX/XXXX I held for 40 minutes and never did get my call answered. On XX/XX/XXXX, I was on the phone for 2 hrs. and 58 minutes spoke to two representatives that asked their supervisors for help and nobody to could figure out how to see if a refund check had been sent to me. On XXXX I held for 30 minutes and my call never got answered. I have a few issues I would like addressed : 1 ) their recording says if you don't want to hold, send us a secure message by logging onto your account. I could not do this because they disabled my account. 2 ) If they have that long of hold times, hire more help. This is ridiculous. 3 ) By law B of A should have sent me a refund check within 20 business days of my account being paid in full. They are breaking the law and given the recent scrutiny by regulators in the mortgage arena, I would think a company as big as B of A would have their processes fixed by now.
Product: Credit reporting or other personal consumer reports

These fraudulent accounts need to be removed immediately because it's inaccurate information
Product: Debt collection

I have no debt in collections that I am aware of ( credit report says no collections ). Unsure why National Enterprises keeps calling me daily. They called XXXX  XXXX XXXX XXXX today.
Product: Credit reporting, credit repair services, or other personal consumer reports

Almost 3 years ago, I was robbed. The person/people who robbed me stole my ID, credit cards, etc. I've been going through hoops with the credit reporting agencies to get these things off my reports. So, I was told to contact you guys and ya 'll would help me.
Product: Vehicle loan or lease

My car was deemed a XXXX XXXX on XX/XX/XXXX. On XX/XX/XXXX the insurance company sent the payoff to Bank of America and the gap insurance and maintenance payments followed. I requested that all payments be applied as regular payments to cover principal and interest and all extra be applied to the principal to ensure I did not incur late fees while waiting for the respective payments to come into the bank. Bank of America refused to apply the payments as requested and insist that I owe 0ver {$600.00} in interest. When I reviewed the contract with both a customer service representative and a manager it was determined the contract does not state the payments from an insurance company have to be applied to principal only and the payments should have been applied as I requested. BOA is still denying this request and reporting negative payment history to the credit bureaus even though I have repeatedly requested this error be fixed.
Product: Credit card or prepaid card

Capital One is showing a 30 day late in XX/XX/2017. I've contacted Capital One via email ( to executives ) and phone ( Executive Resolutions Department twice ) several times. Capital one is acting unreasonable by not deleting the one 30 day late ( it is my only late ever from both of my Capital One cards over the past three years ). 

I am not allowed to purchase a home in Virginia for my family due to this one 30-day late payment. 

Please help me resolve this issue with Capital One so I can purchase a home. 

Thank you.
Product: Mortgage

I am hereby requesting your attention and assistance in resolving the conflicting issues on the second mortgage as depicted in the sequence of events listed below. We have been contacted with overlapping claims from several companies on the second mortgage ( HELOC ). 
Chronological sequence of events : 1. Acquired mortgage from XXXX XXXX on XXXX XXXX. 
2. XXXX XXXX XXXX sold the first and second mortgage to XXXX. 
3. XXXX XXXX,, XXXX XXXX sold the first mortgage to XXXX who then transferred loan servicing to XXXX XXXX. The first mortgage was restructured and continues to be serviced by XXXX XXXX. XXXX retained the second mortgage ( HELOC ). 
4. XXXX XXXX, XXXX The HELOC was discharged according to my credit report. 
5. XXXX XXXX, XXXX XXXX sent " offer to satisfy '' letter for the HELOC. 
6. XXXX, XXXX XXXX filed for Chapter XXXX. 
7. XXXX XXXX, XXXX XXXX sold the HELOC to XXXX for servicing as a result of the Chapter XXXX. 
8. XXXX XXXX, XXXX XXXX letter informed me that the HELOC was " charged off '' according to records acquired from XXXX. 
9. XXXX XXXX, XXXX XXXX issues an Assignment of Mortgage to XXXX. 
10. XXXX XXXX, XXXX XXXX assigns Power of Attorney to XXXX. XXXX XXXX, XXXX XXXX transfers servicing to XXXX XXXX XXXX XXXX, XXXX. Shortly after, XXXX XXXX XXXX XXXX, XXXX transfers servicing to XXXX. 
11. XXXX XXXX, XXXX XXXX issues an Assignment of Mortgage to Partners for Payment Relief. 
12. XXXX XXXX Our attorney send a letter to the attorney representing Partners for Payment Relief in an attempt to reach a settlement, although the last payment on the XXXX, XXXX XXXX, is past the 6 years Statutes of Limitations. Our attorney reached again in XXXX XXXX. No formal response has been received from Partners for Payment Relief to this date. 
13. Our attorney is formulating a legal Quit Title in order to clear the clouded title as a result of the second mortgage.
Product: Debt collection

a consumer, I am notifying you that I dispute this alleged debt pursuant to 15 USC 1692 g. I request that you provide me Verification of this alleged debt. Verification consists of a formal where you swear to the truth of the statements of the fact of the matter, have first hand knowledge and must be notarized.

Since this debt is disputed pursuant to the fair debt collections practices act you are required to cease all collections of this alleged debt which includes reporting to my consumer report with XXXX, XXXX, and XXXX. 


I hereby inform you that you do not have my consent to communicate with me through any medium. Furthermore, I DID NOT consent to you having my personal and private information. This constitutes aggravated identity theft. I also DID NOT consent to you reporting information In my name to the consumer reporting agency.

According to the fair credit reporting act SECTION 605b. It is illegal to report information on my credit report without my permission please remove this collection from all credit reporting agencies
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute on XXXX XXXX in regards to some inquiries that is showing up on my credit report. Experian did not do a thorough investigation in regards to my dispute. They notified me within minutes that my dispute items was valid without any real investigation. When I called to question the validity of their investigation. I was informed that they dont dispute inquiries.
Product: Credit card

i received a letter from chase card services dated XX/XX/year> stating that someone may be using my personal information for an application. chase denied the application and suggested that i report it to the FTC.
Product: Checking or savings account

I, XXXX XXXX, and my friend, XXXX XXXX, went on XX/XX/2020 to bank to create a checking account. I had decided to create the checking account for my self, due to a referral coupon that my friend XXXX had sent me. The coupon is attached to this message. Upon arrival at the bank I went through the process of creating the account and showed the banker the email for the coupon off of my phone so that my friend could receive his {$50.00} referral bonus and I could eventually receive {$200.00} after completing the terms of the offer. 

After creating the account, applying the coupon, and leaving my friend noticed that he has not yet received the account credit. He waited a few days and then contacted chase through the online banking chat portal. The chat representatives informed him that they are unable to help him and that he would need to go into the bank. However, the banks around his house were all closed/on limited hours due to the corona virus pandemic. 

As a result I created an appointment with the original bank I created the account with in order to resolve the issue, as I had not received the {$200.00} coupon bonus for completing the terms of the agreement. The original banker was that there, another employee informed us that she was unable to find any records and that she could not help me. 

After leaving the original banked called me to inform, he told me that if I had showed him the coupon he would've put it in and that he would be unable to help me. I can guarantee you I showed him the coupon, directly from my email on my phone, and since I opened the account with my friend he is willing to serve as a witness that I had done so.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is publishing non-compliant account ( s ) on my credit profile and distributing them to 3rd parties. They are INTENTIONALLY DAMAGING my reputation, are infringing on my unalienable rights to privacy and damaging my credit worthiness. These companies reporting are not compliant with XXXX. Please see the attached notice of complaints sent to Experian.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Credit Report Information and Request for Blocking Under FCRA 605 ( b ) Dear CFPB Team : I am writing to formally dispute inaccurate information on my credit report and to request the immediate blocking of this information pursuant to FCRA 605 ( b ). This provision requires that inaccurate, fraudulent, or identity theft-related information be blocked from my credit file when supported by proper documentation.

The specific account ( s ) in question include : * Account Name/Number : XXXX XXXX Account # XXXX This information does not belong to me and appears to be the result of identity theft or an error in reporting. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to protections that safeguard my credit report from inaccurate or fraudulent entries. Specifically 1. FCRA 605 ( b ) : Blocking Information from Identity Theft * CRAs are required to block disputed information if a consumer provides : * A valid police report or identity theft affidavit, * Sufficient proof of identity, and * A clear statement identifying the disputed information.

* CRAs must block the information within four business days of receiving the required documentation.

2. FCRA 611 : Procedures for Resolving Disputes * This section mandates that CRAs investigate disputes within 30 days and delete unverifiable or inaccurate information.

3. FCRA 609 ( e ) : Requirements for Identity Theft Victims * Consumers are entitled to access the fraudulent account details upon request.

* I formally request the following : 1. The immediate blocking of the disputed information under FCRA 605 ( b ).

2. Confirmation in writing that the disputed information has been removed and will not reappear on my credit report.

3. A revised copy of my credit report reflecting these corrections. 

Please note that failure to comply with the FCRA could result in penalties, including statutory damages, punitive damages, and attorneys fees. I trust that the CFPB will ensure my rights are upheld and that this matter will be resolved promptly. 

Thank you for your prompt attention to this urgent matter.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX never late! I have had exceptional payment history with XXXX XXXX XXXX, XXXX, XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in those accounts to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX XXXX, XXXX, XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
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. 

XXXX XXXX XXXXXXXX Acct # XXXX XXXXXXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXXXXXX Acct # XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX  Acct # XXXX XXXXXXXX XXXX Acct # XXXX XXXXXXXX XXXX  Acct # XXXXXXXX XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX Acct XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX Acct XXXX XXXX XXXX  XXXX  XXXX  Acct # XXXX XXXX XXXX XXXX  Acct XXXX XXXX XXXX XXXX XXXX  Acct XXXX XXXX XXXXXXXX XXXX Acct # XXXXXXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX XXXXXXXX XXXX  Acct # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Acct # XXXX 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.

15 U.S.C. 1681 section 602A, A. States that I have the right to privacy.

15 U.S.C. 1681, Section 604A, Section 2 : It also states that 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 the records of convictions of crimes which antedates the report by more than seven years.
Product: Debt collection

I was notified by General revenue of a debt allegedly owed by myself to XXXX XXXX University. The debt is allegedly derived from a period where I was not a student at the school and was not enrolled in the school. I was never contacted by XXXX XXXX University regarding this alleged debt and was never offered the opportunity to dispute this debt directly with the school. I am currently enrolled in school and all of my student loans are in deferment status with the United States Department of Education. I explained to General Revenue in two separate correspondence letters that I was unaware of this debt and its origins. I received the most recent correspondence from General Revenue On or about XX/XX/XXXX and the letter stated that the account would be reported to the credit bureau if I failed to pay the debt or make payment arrangements. The validation provided by General Revenue was a form void of any signatures or any identifying markings from me. I am still unaware of the origin of this debt and. The form allegedly validating this debt was allegedly for the summer of XXXX. I am completely oblivious of this alleged debt and was first contacted about this alleged debt by General Revenue
Product: Credit reporting, credit repair services, or other personal consumer reports

TD auto finance has an auto loan showing as open, past due, & with a balance. I filed Chapter XXXX bankruptcy including the vehicle. They now have the vehicle. I notified them to have it updated but nothing has been done to correct.
Product: Debt collection

I call commonwealth financial to talk about why I had a collection. I did not receive A itemized list for what they say services I owe. I did not receive treatment from this facility. They do not have proof or a signature stating these service were indeed rendered to me. I disputed with them before and have yet received proof. They have not validated or verified that it is my debt. They hung the phone up in my face while I was trying to resolve the issue in a respectful manner. It should be on a recorded line. This would be considered verbal and communication abuse. I am asking that the be held responsible for there wrong doing and the collection be removed from my credit report asap. Please have them send me all bills, itemized list, my signature, any documents that may verify or validate this debt. If they do not have these all items they must be deleted from the credit report he also lied about what hospital it was from he said XXXX once I told I had not been to XXXX hospital he then said thats not what he said. I also would like a copy of their license to collect in the state of Texas.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX account 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

The XXXX account on my report is incorrectly showing a 30 day late for XXXX of this year. I already spoke with XXXX, and they said they would fix it. I couldn't have had a late payment, as the loans were deferred by the CARES act. It has been 30 days, and my report still hasn't been corrected.