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

Applied for credit with XXXX - I was immediately given an email stating my app was declined but when you look for the denial reasons etc. It stated it couldnt confirm my identity etc. It pormpted me to call to see what could be done to manually decision the app. I called, spoke with someone who stated they would need the following info bank statement, id, bill, and a paystub- i emailed the requested info to XXXX and not response - i followed up today and im being told they dont have any info as it relates to my app and try to reapply in XXXX  days. not only is this a hard ding to my credit but i have no idea how my personal information is being used. this is a scam
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit the FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/2023 ; According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than XXXX business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

XXXX. Inaccurate and Unverifiable Information The credit reporting agencies have reported inaccurate and unverifiable information on my credit report, including late payments and negative accounts. This is a clear violation of the Fair Credit Reporting Act ( FCRA ), which requires that all information reported to credit agencies be 100 % accurate and verifiable ( 15 U.S. Code 1681e ( b ) ). I demand the removal of all inaccurate and unverifiable information and request {$1000.00} per violation as damages for the harm caused by these errors. 

XXXX. Reporting of Child Support Payments The inclusion of child support payments on my credit report is a violation of my privacy rights under the Privacy Act of 1974 and the FCRA. Child support payments are not to be reported on credit reports as they do not constitute a permissible purpose under the FCRA ( 15 U.S. Code 1681b ). I request the immediate removal of all references to child support from my credit report. 

XXXX. Defamation of Character The reporting of inaccurate late payments and negative accounts, as well as the inclusion of child support, has caused significant harm to my reputation and financial standing. As a result of these errors, I have been denied credit and faced increased costs. This constitutes defamation of character, and I am seeking damages of {$1000.00} per violation, as provided under the FCRA ( 15 U.S. Code 1681n ). 

XXXX. Data Breach Concerns I am also concerned about potential data breaches that may have compromised my personal information, including my Social Security number. Specifically, I am aware of the XXXX XXXX XXXX and other recent breaches that may have exposed my personal information to unauthorized parties. I request that the CFPB investigate whether these breaches have contributed to the inaccurate reporting on my credit report and take appropriate action to protect my personal data. 


Charge-Offs as Income : Under IRS guidelines , a charge-off is considered forgiven debt and is treated as income. As such, it should not be reported as a negative item on a credit report. The IRS requires that forgiven debt, such as charge-offs, be reported on a 1099-C form as income, which is subject to taxation. 



XXXXXX/XX/XXXXaccount - Charge off XXXXXX/XX/XXXXl - Charge off XX/XX/XXXXXXXX - late payment Cap XXXX - Charge off Cap XXXX - Charge off
Product: Mortgage

I started to do a Loan Modification through that Obama home modification process. I went straight to my Mortgage company because I never really had a problem with them in the past to do this. They lied to me about the program saying, " We ca n't do a modification on your home because your not late on any payments ''. So they put me into what they call is a forbearance program for 4 months. They set my payments lower than what I was paying and we setup an auto pay with the bank for it. At the end of the 4 months they told me, " that they wanted to do another forbearance because our financial situation has not changed. '' and we were still awaiting a judges ruling on something unrelated to this. I told them No I am not doing another forbearance and to do the Modification we talked about. The Mortgage Company has misled me through the whole process. They could have said NO at the beginning of the process instead of putting me into a lot of stress but instead tried stealing my property by making my mortgage payments in default. I tried to make a regular payment plus extra to start paying back what was delinquent from their doing. They sent part of the money back and said we do n't take partial payments. I have NO idea what they did with the part they kept and I need to find out. When they did this I called XXXX and paid the lump sum, I had borrow from a friend '', to bring the loan current during that month. I called XXXX so there would be proof that this was done. I have Homeowners insurance through Acuity because the last XXXX canceled my policy for stupid stuff and did n't want to let me finish my work. I am XXXX and last year found out that I have only a few more to live because there is no cure for what I have. I still need to know what they have done with the money they kept and why the extra money I sent in was not applied to my escrow account as marked on the back of payment?
Product: Student loan

I had to start making payments to my loan in XX/XX/XXXX. In XX/XX/XXXX, I requested a change in due date to the XXXX of each month. I paid for XXXX  on XXXX XXXX and the company ( nelnet ) right after my payment, changed the due date to the XXXX, starting in XX/XX/XXXX. Suddenly, I started getting notifications that I was late with my payment and that I owed 2 months ( around {$1000.00} ) and that they were due on XX/XX/XXXX. Suddenly for two months, they were requesting 3 months of payment. I called thinking it was a problem with the system. After talking to 4 people and spending hours of the phone, someone said that they couldn't do anything about it, that they apologized that I got the wrong information but that I had to pay. According to one representative when I requested a change in the due date, they had to move the start date to XX/XX/XXXX and as a result of that my XX/XX/XXXX payment covered XX/XX/XXXX ( not XX/XX/XXXX ) and now I owed XX/XX/XXXX and XX/XX/XXXX. No one ever explained this to me when I requested a change in due date and no one seemed to be accountable ... now I have to pay around {$1000.00} in XX/XX/XXXX because no one ever explained to me the implications of changing a due date.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am disputing inaccurate information reporting on my credit reports from the following lenders below. According to my records I have never applied for any loans or credit with the original creditor and these items may report on my account because of fraudulent activity. 

Accounts List As Follow : XXXX XXXX, Equifax Mortgage Service, XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX
Product: Credit card or prepaid card

Capital One Credit Card decided to charge me an extreme interest charge with no explanation or reasoning on XX/XX/XXXX. I have been with this company for over 2 years and this is the first time they have done this to me. 

On XXXX, they contacted me because I had gone over my credit limit by like {$20.00} but they paid it and in the message they stated that, they do not charge for going over the limit. On XX/XX/XXXX I went to make a {$300.00} payment and realized that Capital One had charged me an interest charge in the amount of {$160.00}. I contacted their customer service department to see why there was this huge fee on my account and they proceeded to tell me that sometime these charges are because you are late with payments. I explained to the rep that in the whole time I have had the card, I have never been late. Then he explained that these fees are sometime because all you pay is the minimum fees. I explained to the rep that I often exceed minimum amount over 100 % in just about all of my payments. Then he told me that it was because of the type of credit card I have. So I asked him to explain how that works when this is the first time Im hearing about this. Again, he explained that this is an example he was given so really unable to explain why after being with his company for years I was suddenly targeted and being charged extreme amount of fees. I asked him if I cancelled the account, will they still keep charging me these fees to which he stated Capital one will continue charging me this interest charge no matter what I do. 

I think this is unfair as it seems to be targeting people who dont make a lot of money so they can keep me in debt and downside. They have been asking me to send them proof of my paycheck so they can decide whether to give me more money. I refused to provide that more information as I did not want additional available funds on my card as I just wanted to focus on paying my card off. Last week I inquired about transferring my balance to a couple of companies including Capital One and I guess they used that information to penalize me a week later because they now had my paycheck amount. Which I know is an unfair practice according to the law. According to the CARD Act of 2009 called for fees imposed upon consumers to be reasonable and proportional. It placed limits on late fees and changed how credit card companies can charge for over-limit fees. 

An almost {$200.00} fee is unfair and should be illegal. I am requesting your help in stopping Capital One in this unfair act of penalizing me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian dont fixed report show error in my credit. Reporting account opened fraudulent of XXXX XXXX/ XXXX XXXX and XXXX  XXXX lending Both account still showing opened current account is no mine and danger my score another reason put this complaint is because my credit is low compares other credit reported dont show correct fico score danger my record and limited opportunities get credit
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX due to XXXX I was unable to conduct face to face training as an XXXX at the XXXX XXXX USA XXXX I lost my salary because all classes were canceled. I was forced to filed XXXX XXXX bankruptcy in XX/XX/XXXX and my bankruptcy was discharged in XX/XX/XXXX. 

I had XXXX vehicles and added XXXX to my XXXX XXXX, but my 2nd car which is a lease XXXX XXXX XXXX was not included in the bankruptcy and i ensured all payments were made on time. XXXX XXXX XXXX XXXX reported to all three Credit Bureaus that my lease was closed and I was late in XX/XX/XXXX. I saw the erroneous information on my credit after requesting a free credit report. I called XXXX several times in XXXX, XXXX and XXXX to no prevail. I contacted the credit bureaus and filed a dispute. Each time I would get the same results no change. 

My account with XXXX XXXX XXXX XXXX ( XXXX ) was not included in my bankruptcy filed in XX/XX/XXXX. I continued making payments to keep the account current. MBFS stop reporting my payments the month i filed bankruptcy XX/XX/XXXX. 
They reported my account is not closed and added a late payment. The account is current and never late. I am trying to rebuild my credit. What's being reported is hurting me from getting secured credit and renting a home. Attached are copies of my bank statements showing payments in the amount of {$820.00} from XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and in XXXX I paid {$2500.00} which includes XXXX payment for my property taxes for the lease. XX/XX/XXXX payment was {$820.00}. Please look into this matter. I just want accurate information to reflect on my account and to show that the account is opened, never late and current. I've contacted the credit bureaus several times as well.
Product: Credit reporting or other personal consumer reports

I was shocked when I reviewed my credit report and found third party collection which definitely an identity theft and late payments from XXXX while everything was OK on XXXX on my US DEPT ED and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please investigate and delete disputed items that are listed on my consumer credit report : XXXX XXXX account XXXX
Product: Mortgage

I'm writing to raise what I think is an important issue. Small business lenders are refusing to refinance their clients ' debts now that rates are low. Small businesses could desperately use the lower monthly loan payments, especially in this post-COVID time, to help make up for their losses during COVID and simply because they should be able to refinance to the current rate. The reason for banks ' refusal to refinance has nothing to do with credit history or with being within a lock-in period. They refuse specifically because businesses did not make enough money the prior year. This is problematic because it means struggling businesses are punished with higher rates and higher monthly payments precisely because they need the money while businesses that managed to make above the bank 's threshold get to enjoy lower rates and lower monthly payments. 

When small businesses decide to take their business elsewhere to find a lender who would refinance, they are hit with a contractual prepayment penalty imposed by the original lender who refused to refinance their loan. 

I have already submitted a complaint to the FDIC against my lender, Bank of America, and received a letter saying that I need to file a complaint with the CFPB.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I started a dispute through XXXX XXXX for Capital One falsely reporting my account as being 30 days late. 

That was inaccurate. I made a payment on XX/XX/XXXX that was returned I forgot to update the account information. I made the payment again on XX/XX/XXXX. The payment was only 10 days late. Not 30. I called Capital one initially on the XXXX or XXXX and spoke to a representative who said yes, it was in fact in error and I just needed to dispute it and it would be corrected. 

I disputed it through XXXX XXXX and the results came back as being accurate. I have the payment log on my transactions and can see the dates, thats inaccurate. When I called Capital One today, XX/XX/XXXX at XXXX the representative told me that I need to write a letter to dispute the inaccuracies of the reporting. This is not only time consuming but it has dropped my score dramatically. I should not have to go above and beyond to fix something that was falsely reported to begin with.
Product: Credit reporting, credit repair services, or other personal consumer reports

fraudulent and unauthorized inquires on my reports
Product: Credit reporting or other personal consumer reports

I recently got hold of my credit report and found some inconsistencies. From what I've gathered, it's important to confirm any errors. I need to verify this item/account : XX/XX/XXXX Could you please look into this account and share the findings by mail? According to online resources, this should be done within 30 days, so I'll be expecting your response within that period.
Product: Credit card or prepaid card

I have been a costco customer for close to two decades. I never had a problem with XXXX XXXX costco card. Then in XXXX visa took over and what a mess it created. for more than a year they did not issue the new card, did not have customer service and kept lying about that XXXX XXXX would not give the customers ' files to Visa. I was reading the Federal Reserve and OCC articles violations & fining Citi bank over XXXX XXXX  since XXXX. This is the bank that got one of the largest bailout XXXX XXXX during the XXXX financial crises. That was our tax money at works. They spent most of it on re buying their shares and paying high bonuses to the same executives who caused the crisis. 
I lost my job in XXXX and applied for unemployment benefits and finally was approved in XXXX. Like millions of other people I thought I would get paid all together for 16 weeks.It did not happen, only one week. PA PUA owes me 15 weeks and my congressman and state senator have been working on my behalf. But so far I have not seen any money. 
CitiBank Visa knows about my situation because I have been very upfront with every lender to which I owe.Now as I talked to them months ago, I had a verbal promise that I paid the principal the late fees and interests would be waived. Since XXXX I have been true to my side and I think I should be able to pay the debt in two payments maybe three. If I get the stimulus check I will pay right out one shot. after making large payment as I promised now they are playing this second graders game : " OH, we tried the system doses not allow us '' .I want CitiBank to do the right thong as promised. 
well I spoke to a staff attorney in Pennsylvania Attorney General Office of Consumer Protection who advised to file this complaint first.
Product: Credit reporting, credit repair services, or other personal consumer reports

My personal information was stolen in the Equifax hack. The data breach was reported to have occurred in XX/XX/XXXX, and only now ( XX/XX/XXXX ) I am finding out about it.
Product: Credit card

Chase is reporting that I have balances owed on XXXX credit cards they issued XXXX 's on last year. I included those XXXX 's in my last year 's taxes, and they were paid. They should not report owed balances on debt they cancelled.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of accounts have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1618 Experian Account # 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 and any other adverse information, other than records of convictions of crimes which antedates the report more than 7 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

XXXX XXXX used to have their own credit card so that passengers could book flights and then make monthly payments at 0 % as long as the balance was paid within the allotted time. A few months back, XXXX eliminated this program, transferred it to Citi AA  Advantage cards, and called XXXX. Cards eligible for this program are found on this link : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I then applied to one of these cards, Citi / AAdvantage Executive World Elite Mastercard to be exact, to use this offer along with other offers. Today, I tried booking a flight 3 times, and the XXXX  option does not appear. Eventually, I called XXXX XXXX customer service, and after XXXX minutes, I was told that I needed to get approval from Citicard. Today, Tuesday, XX/XX/XXXX, at XXXXXXXX XXXX EST, I called Citicard to inquire about adding XXXX  to my XXXX account. The agent who helped me said that the XXXX option is an on-and-off promotion, and I need to check every time I book to see if XXXX is available for my purchase. Nowhere in the application or the website below says this is an on-and-off promotional offer. In fact, it says : " Book now. Pay later. Adventure is calling, and now you don't have to wait. With XXXX XXXX Pay on your eligible Citi / AAdvantage credit card, you can book your flight today and choose a convenient plan to pay over time. Any flight purchase of {$75.00} or more No application or credit check Flexible payment options Continue to earn rewards on your flight purchase as you normally would. '' XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ). I feel that they misled me with this offer or the agent who I spoke to is not aware of XXXX 

Today, Wednesday, XX/XX/XXXX, I spoke to another CitiBank credit card employee, XXXX, who told me that, indeed, I am supposed to have this benefit enabled and to call XXXX XXXX as this is their issue. She first stated that the Citi Card would break down the cost into 6 payments. Still, when I showed her a flight I booked in XXXX, based on an email from XXXX ( attached here ), and the payments did not break down, she said that it was XXXX XXXX issue of not putting the fly now pay later option on their website. So I keep going back between XXXX and Citi, and nobody has an answer.