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

I have paid my bill for my Walmart credit card on the due date on XX/XX/XXXX and was assessed a {$28.00} late fee on the same day as the payment due date. I paid my bill on the due date of XX/XX/XXXX and once again I was assessed a {$41.00} late fee. Why am I being assessed a late fee when I paid my bill on time. CapitalOne uses automated systems to automatically charge a late fee to consumers. Customers should have until XXXX XXXX  on the payment due date to make their payment and CapitalOne should not have early payment cut off times. CapitalOne is the only credit card company that utilizes early payment cut off times. CapitalOne should not employ automated systems to aggressively and automatically assess late fees on the same day as the payment due date. CapitalOne should not be so aggressive with assessing late fees. As a CFPB report on late fees concluded the late fees are not to incentivize on time payments and are used to increase the credit card company bottom line and profit. CapitalOne should explain why they have a XXXX cut off time while other credit card companies give customers until XXXX XXXX on the payment due date. CapitalOne should also have to explain why they are so aggressive in assessing late fees and assessing late fees on and as soon as the same day as the payment due date.
Product: Mortgage

XX/XX/2019 PHH Mortgage ( Ocwen Loan Servicing ) ( XXXX XXXX ) attorneys XXXX and XXXX sent me a default notice on post petition payments for XX/XX/2019 through XX/XX/2019 in the amounts of {$380.00} each. With {$150.00} in suspense. Total default {$1300.00}. I have payment history print out from the company 's web site that say different. I requested a MODIFICATION to stop any further action considering my chapter XXXX case will be paid in full in 4 months.
Product: Checking or savings account

all i see is because of chxsysystems i am unable to open up any type of banking acc
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act, All information must be 100 percent accurate on my report.

The credit bureaus stated that my account was properly investigated but that cant be possible. They have failed to provide sufficient proof of verification of these accounts. The Date last active is inaccurate. The Original Payment amount is inaccurate. The Name and Address is also inaccurate. I was told the Agencies could not update my information due to the fact that these additional Alias name variations and addresses were still reporting inaccurate personal information on me. This is a violation of my consumer rights according to the FCRA. 


XX/XX/2023
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX  XXXX XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX  Account # XXXX & Inquiry from XXXX on XX/XX/2022 has violated my rights. 

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

15 U.S.C 1681 section 604 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: Checking or savings account

In the fall of XXXX, Fulton Bank ( " Bank '' XXXX had a written promotional bonus offer pursuant to which it would give the customer a {$120.00} bonus if the customer opened a savings account by XXXX XXXX, XXXX, deposited {$1000.00} or more of new money into that account within 60 day, and maintained a balance of at least {$1000.00} on the XXXX day after account opening. Specifically, the Bank stated that it would " credit one {$120.00} bonus to your savings account if on day 60 after account opening you have a new money balance of at least {$1000.00}. '' I opened a savings account on XXXX XXXX, XXXX. The Bank confirmed in writing and over the phone that I opened the account that day. In the phone call, the rep. with whom I spoke stated that I had fulfilled all the terms of the offer to that date. Also on XXXX XXXX, XXXX, I arranged for a deposit of {$1000.00} into the new savings account via ACH withdrawal from XXXX of my other bank accounts. The Bank credited that money to my new savings account on XXXX XXXX, XXXX. 

I maintained that balance in that account throughout the XXXX period, which ended on XXXX XXXX, XXXX, and beyond XXXX it is still there ). Nevertheless, the Bank has failed to credit my account with the promised {$120.00}. On XX/XX/XXXX, I called the Bank to ascertain the status of the bonus. The rep. with whom I spoke stated ( after putting me on hold for XXXX minutes ) that the Bank had no record of any applicable promotion and that someone from the Bank 's " sales '' department would further research the issue and call me the morning of XX/XX/XXXX with a further update. Nobody from the Bank called me on the morning of XX/XX/XXXX. Also, immediately after my XX/XX/XXXX phone call, I sent an email to the Bank 's XXXX XXXX. VP in charge of XXXX Banking and the head of the branch in charge of my account, describing the issue and asking them to do what they could to expedite the deposit of the bonus into my account. Neither of them XXXX nor anyone else ) has responded to that email as of this time.
Product: Debt collection

I am XXXX XXXX XXXX XXXX, and I am personally submitting this complaint without any third-party involvement. I have attached letters providing detailed information about the entries on my credit report. I have never had a contractual relationship with Portfolio Recovery Associates , LLC, and I believe XXXX XXXX, the original creditor, sold my account without proper notification. This is a clear violation of FCRA XXXX regarding inaccurate reporting on my credit report. Please delete this account immediately due to the inaccurate reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

atg is not providing me with a signed by me copy of bill stating i owe this amount a signed copy is needed by atg also a copy of hipaa
Product: Debt collection

Paid in full collections to CBE Group amount of {$360.00} paid in XXXX of 2015 ; I need this removed from my credit report.
Product: Credit card or prepaid card

Company : Blackhawk Network ( XXXX ) XX/XX/XXXX : XXXX   Prepaid Card purchased at local XXXX 's XXXX XXXX and activated on site, given as XXXX gift XX/XX/XXXX : Gift recipient attempted to use card an was declined. 
XX/XX/XXXX : BH Network contacted by phone to dispute 2 fraudulent charges on the Gift Card XX/XX/XXXX : BH Network requested additional documentation ( Activation receipt, card, credit card statement ) XX/XX/XXXX : Customer contact phone support to verify how to submit this information, delivered documentation by email to bhnetwork.com XX/XX/XXXX : Customer received 2 letters dated XX/XX/XXXX and XX/XX/XXXX stating the investigation had been closed due to lack of response/lack of documentation XX/XX/XXXX : Customer called BH Network to dispute the letter, Agent # XXXX attempted to assist, verified receipt of the required documents, but could not explain why the case had been closed XX/XX/XXXX :  Supervisor # XXXX ( XXXX ) agreed to attempt to reopen the case, all documents resent to XXXX bhnetwork.com
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX not XXXX XXXX XXXX. I XXXX XXXX XXXX cancelled EXPERIAN over a year ago because I wasn't pleased with their reporting and billing. Although I cancelled they keep billing me every XXXX or 3 months. I call them to stop and they will insist I request their services. They will put the money back after much frustrating conversations and threats to consumer protection agencies. This is the recent debit on my debit card that I am disputing : XXXX XXXX XXXX XXXX XXXX XXXX Amount : negative XXXX XXXX dollars and XXXX XXXX cents {$24.00} Details Statement Description : XXXX XXXX XXXX XXXX XXXX XXXX Date : XX/XX/2023
Product: Credit reporting or other personal consumer reports

Fay Servicing refuses to allow me access to this account. They are ONLY providing loan information to the primary borrower who is incompetent! The ONLY information that Im provided is through disputes & responses ONLY online through these disputes! 
I have requested & have NOT received : - 24 months of payment history showing dates & amount of payment. Instead Fay has sent past monthly statements which DO NOT allow me to verify accuracy of this account. 
- a loan payoff statement, which Fay said they sent in XXXX. I NEVER received it! Likely because they sent it to the property address which I DO NOT have access to. 
- current monthly statements, ANY & ALL notices in regard to this loan, including ANY late payments or changes to the account. 
- information on insurance, taxes & escrow information. 
Without ANY opportunity to manage this account Im subjected to unfair credit reporting that can neither be verified or paid. This loan IS my responsibility & Im being denied FAIR management.
Product: Credit reporting or other personal consumer reports

The reinsertion of the negative item on my credit report constitutes multiple violations of federal law. Specifically, the credit reporting agency has violated 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) by failing to notify me within five business days of the reinsertion. Additionally, the debt collector has violated 15 U.S.C. 1692e and 1692c by re-inserting the item without proper verification or communication. Furthermore, the reinsertion was done without the necessary reinvestigation, in direct violation of 15 U.S.C. 1681i. These actions demonstrate a blatant disregard for the legal requirements designed to protect consumers from inaccurate and misleading credit reporting practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

While I was in the process of trying to rent an apartment, my credit report had to get pulled. i was denied due to several unknown items on report. I then printed out a copy of my report from XXXX  XXXX to check the reason I was denied, and I realized that someone has been using my social security number to open up accounts I have never been aware of. these accounts do not belong to me. Please remove these items from my report. DEPTEDXXXX  XXXX {$1700.00} DEPT OF ED/XXXX/XXXX  XXXX {$1700.00} XXXX XXXX {$3000.00} XXXX XXXX {$5100.00} XXXX XXXX XXXX {$24000.00} XXXX  XXXX  XXXX {$5000.00} XXXX XXXX {$130000.00} XXXX/XXXX  XXXX {$270.00} XXXX  XXXX {$24000.00} XXXX/XXXX  XXXX {$580.00} XXXX/XXXX  XXXX {$690.00} XXXX XXXX XXXX   XXXX {$78000.00} XXXX/XXXX  XXXX {$760.00} XXXX/XXXX  XXXX {$1400.00} XXXX XXXX XXXX {$1200.00} US DEP ED XXXX {$2800.00} CHAPTER XXXX BANKRUPTCY XXXX {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE CONTACTED EQUIFAX ON 4 DIFFERENCE OCCASIONS AND HAVE SENT AND CONTIUE TO SEND DOCUMENTATION FOR INQUIRES THAT ARE NOT MINE! THEY CONTINUE TO GIV EME TH ERUN AROUOND WITH NO ASSISTANCE. I WAS TOLD TOLD TO COMPLETE THIS REPORT WHICH I HAVE AND SENT IT IN, 5 TIMES AND TH EWLATEST BEING CERTIFIED. THEY HAVE YET TO RESPOND AND I HAVE SEVERAL CONFIRMATIONS SHOWING THAT THIS WAS RECEIVED.
Product: Credit card or prepaid card

On XXXX XXXX I realized my auto payment was canceled ( not authorized by me ), which is supposed to occur on XXXX XXXX, thus I had a late fee. The buttons online that offer to let you setup auto pay or make a one-time payment were greyed out, I could not click them. I spent about an hour chatting with someone online who then said I needed to call Capital One to sort out this issue. After an hour + and being transferred all around, it was concluded that there was a " glitch in their system '', and they could not process payments for my account for some reason. They suggested that I call back in a few days and try again. Several days later I called back, and they were able to setup auto pay, and I insisted on processing a one-time payment to pay the balance on my account, but the representative insisted I could not. Several days later I realized that there were now more late fees and interest charges. I called back again, and had to argue with people for over an hour to get these fees removed even though they claimed full responsibility, they said the way their system works they just ca n't remove the full fee, even though eventually they did it. Again, we established that my account was now setup to pay on XXXX XXXX, all fees were removed, and everything was supposed to be fine. Then a few days later they started declining my card and wo n't let me make any purchases until I pay the balance. I was willing to do that all along, but now, after agreeing several times over the month that I would pay XXXX XXXX and wasting SO MUCH of my time, out of principle I will not pay my account until XXXX XXXX as agreed.
Product: Debt collection

I disagree with the account listed below which still appears on my credit report, even after your Investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX On your side through life 's financial moments. 
We're the Consumer Financial Protection Bureau, a U.S. government agency dedicated to making sure you are treated fairly by banks, lenders and other financial institutions. 
Help with finances during the XXXX pandemic Get help Talk with an expert about your housing needs for free Find a housing XXXX Submit a complaint about a financial product or service Start a complaint In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation.
Product: Debt collection

I have sent over a dispute request, explaining that I have no knowledge of the debt. My identity was stolen. I have police reports I dont even live in the state. Also my identity and privacy is not being respected and has been violated. My records have been shared, which is a privacy breach.
Product: Credit reporting or other personal consumer reports

I am writing to dispute a fraudulent account that appears on my credit report. The account details are as follows : - **Account Name : ** XXXX XXXX XXXX XXXX ( Also known as XXXX XXXX XXXX XXXX ) - **Account Number : ** XXXX - **Date Opened : ** XX/XX/year> - **Balance : ** {$190.00} This account was not authorized by me and was opened as a result of identity theft. I have never had any dealings with this company and did not consent to this account being opened in my name. This fraudulent account has severely impacted my creditworthiness and has caused undue stress and hardship. This account was previously removed from my credit report but has inexplicably reappeared. I am requesting its immediate removal once again and that it be permanently blocked from reappearing on my credit report. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c-2, I am entitled to have fraudulent information resulting from identity theft removed from my credit report. Additionally, Californias Identity Theft Protection Act ( Cal. Civ. Code 1798.93 ) reinforces my right to dispute and demand the removal of fraudulent accounts. This repeated reappearance of the account violates my consumer rights under both federal and state law. I demand that this account be removed and blocked from my credit report permanently and that I receive confirmation of this action in writing. Failure to comply with this request will leave me with no choice but to pursue further action, including legal remedies under the FCRA and California state law.

Attached documents are FTC identity theft report two forms of identification, dispute letter detailing fraudulent account
Product: Credit reporting, credit repair services, or other personal consumer reports

Under federal laws, Consumer Reporting Agencies shall only furnish information under verbal or written consent by a consumer. Reporting a consumer 's personal or financial information without prior consent is a violation of 15 U.S.C 1681 ( a ) ( 4 ) and is a violation of 18 U.S.C 1028A. While checking my most recent credit report. I noticed unauthorized and fraudulent credit inquiries made by the companies listed below, I did not authorize anyone employed by these companies to make any inquiries and view my credit report. In addition, I did not give you EXPERIAN permission to furnish this information onto my credit report. 

This is a violation of the Credit Reporting Act Section 1681b ( c ) which constitutes as fraudulent activity but is a serious breach of my privacy rights Under federal laws, Consumer Reporting Agencies shall only furnish information under verbal or written consent by a consumer. Reporting a consumer 's personal or financial information without prior consent is a violation of 15 U.S.C 1681 ( a ) ( 4 ) and is a violation of 18 U.S.C 1028A. 15 U.S.C 1681 SECTION 602 A : STATES I HAVE THE RIGHT TO PRIVACY. 15 USC 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. 1681 S-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 CASUE TO BELIEVE THAT THE INFORMATION IS INACCURATE. 

XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have not supplied under the doctrine of estoppel by the silence of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. ( please remove these accounts before I seek litigation for defamation of character ) XXXX XXXX XXXX XXXX balance {$310.00}, XXXX XXXX XXXX XXXX {$9400.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

DATE : XXXX XXXX, XXXX AMOUNT : XXXX On XX/XX/XXXX I sent out a letter regarding inaccurate and unknown things on my credit report. To this day over 90 days later I have not received a response yet. I feel like im being taken advantage of and being ignored bu my disputes. Section 611 ( a ). it is plainly stated that a failure to investigating these items within 30 days give a reason to immediately remove those items from my credit report. it has been over 60 days so it should be deleted promptly. I demand these items this account be deleted Immediately as I have put in motion a litigation due to the stress you caused me. My Information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX
Product: Mortgage

Non -receipt of payments-las t two m onths via usps.late fees applied.disputed fees.   payment received this month again, due date th e  XX/XX/XXXX  of m onth.mailed on the first from    XXXX   XXXX   to   XXXX  , TX.Have not rec eived draft from    XXXX   XXXX   XXXX   . today is the   XX/XX/XXXX .no contact to a lert me.    Caliber Home Loans   XXXX  TX tel.  XXXX   XXXX .
Product: Credit reporting, credit repair services, or other personal consumer reports

It is obvious that you dont have any proof on file to verify that these accounts belong on my file. When we go to litigation you will be required to produce the documents you used to verify these items through the discovery process and since you dont have any documents in your files verifying that these items are valid then that will be proof that you did not properly verify the accounts and they will have to be deleted and Ill be entitled to damages.
Product: Debt collection

I was served Civil Lawsuit paperwork from a lawyer representing XXXX XXXX, XXXX. The lawsuit is for a little over {$7000.00}. I've never heard from anyone at XXXX XXXX prior to the lawsuit complaint. 

After requesting the documentation regarding the account from the lawyer it appears to be a loan taken out and then later sold to XXXX XXXX after default. 

I was not aware this loan existed, and have yet to be contacted by XXXX XXXX at all regarding this account. The only contact I have had was through the lawyer in the dorm of responses to court documentation requests.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was victim of identity fraud/theft. Someone opened up a XXXX credit card in my name. I contacted Transunion in XX/XX/XXXX, submit all the paperwork, contacted XXXX XXXX and submit all the paperwork with. It was confirmed to be fraud and was supposed to be removed from my account. 90 day fraud alert fell off my account, we were in the middle of moving across country/XXXX XXXX XXXX military/ needing to have credit checked to get a new apartment. 
Just found out my identity was stolen again to purchase something from XXXX so I contacted the Credit unions to put a freeze on my accounts. In doing so, I received a report from Transunion showing my credit report. It is still listing XXXX on my account - and this is about 6 months after the confirmed fraud. I attempted to call to dispute as I was not able to do it online and the person I spoke with was not only a bit difficult to understand and rude, I was not sure my problem was resolved after the call. 

Please help victims of identity theft. These agencies are just terrible to work with and we 're helpless!
Product: Mortgage

my loan modification was declined because there is a discrepancy on my documents but they are not giving me an exact reason i have called wells fargo many time and they are not giving me an answer please help