23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

My personal information was stolen in XXXX, since then Ive been seeing a lot of unauthorized inquiries and accounts. Ive attached a police report pertaining to the incident. In accordance with the Fair Credit Reporting act multiple unauthorized Inquiries have been found on my credit report please investigate and Remove all inaccurate inquiries I have listed immediately, the following includes : XXXX XXXX XXXX ( Bank ) : XX/XX/XXXX : XXXX XXXX ( Bank ) : XX/XX/XXXX : XXXX XXXX ( Bank ) : XX/XX/XXXX : FXXXX XXXX XXXX  ( Bank ) : XX/XX/XXXX : XXXX ( Finance ) : XX/XX/XXXX : XXXX XXXX XXXX ( Bank ) : XX/XX/XXXX : XXXX XXXX XXXX  ( Bank ) : XX/XX/XXXX : XXXX  XXXX ( Bank ) : XX/XX/XXXX : 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 hand written instructions. 15 U.S.C 1681i Section a : states that if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file if no documentary evidence is found in accordance with FCRA, before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Product: Credit reporting or other personal consumer reports

Under my XXXX Credit membership. I am seeing an issue with the below information. 

I dont know who is at fault, but somebody needs to look into this issue immediately. 

I DO NOT have XXXX of the same XXXX XXXX XXXX Capital One Cards.. 

It is an overall concern that becomes a problem in the availability percentage and utilization ratios in my credit reports.
Product: Credit card

I applied for a Navy Federal Credit Card and got denied regardless of the reason I was denied. I have the right to credit, withholding my access to my security is SECURITIES FRAUD! You are violating the Equal Credit Opportunity Act and Consumer Credit Protection Act since you are denying me my credit PLEASE RETRACT MY APPLICATION. 

THANK YOU XXXX XXXX Attorney in Fact for XXXX XXXX
Product: Bank account or service

XXXX things are happening at TD Bank : First, they offer overdraft protection on checking accounts. They deliberately process transactions in an order that results in the highest fee. For example, if there is {$30.00} in a checking account, and a transaction for {$20.00} and XXXX for {$35.00} is put through. Regardless of which gets there first, they process the higher amount first and then the lower amount, creating XXXX overdraft fees. Also, they do not post overdraft fees at the time it occurs, but rather post it days later. So your online balance shows positive, but days later several overdraft fees are posted! And what you saw as a positive balance, really was not. I used the overdraft but have never had so many problems keeping my balance on the positive side!! And it 's the excessive number of overdraft fees that are being applied after the fact that is making it impossible. It took me a year to figure out why I was having so many struggles with my checking account. I am looking for a new bank. I realize that what they are doing may not be illegal, but it certainly is unethical. It is usury in disguise!
Product: Money transfer, virtual currency, or money service

On XXXX, XX/XX/year> I sent a friend {$20.00} thru CashApp. My friend has been unable to access the money. The CashApp system keeps asking him to verify his identity. He has submitted his identity over 50 times utilizing both current photos and his Texas issued state ID. We have both contacted CashApp with no resolution to date. Neither myself or my friend are able to access the {$20.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please review the information and documents attached to this complaint.
Product: Credit reporting or other personal consumer reports

My account with ( XXXX XXXX ) was never late! I have had exceptional payment history witH XXXX XXXXXXXX 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 my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused XXXX XXXX to my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I demand the late payment reported in ( MONTHS REPORTING LATE ) 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 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: Debt collection

CFPB + Resurgent Capital Services LP, I received in the mail a letter from Resurgent Capital Services LP that says I owe a debt. I am requesting validation of this debt - enclosed with this complaint are : - my drivers license to show identity + mailing address - My social security card - Letter I received from Resurgent Capital Services LP - My debt dispute letter I am requesting this creditor to stop contacting me over a debt that I do not owe.
Product: Vehicle loan or lease

I paid off my car loan early without any late payments. However, my credit report shows the account as closed.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas, XXXX XXXX XXXX XX/XX/XXXX Subject : Demand for Deletion of Late Payment Discrepancy from Equifax Credit Report Dear Equifax, I am writing to formally demand the immediate deletion of a late payment discrepancy from my Equifax credit report concerning my account with XXXX XXXX XXXX XXXX XXXX XXXX, Account Number XXXX. This discrepancy pertains to the reporting of a late payment on my Equifax report for XX/XX/XXXX, while my XXXX report shows a late payment dated for XX/XX/XXXX. I assert that this discrepancy is inaccurate and does not reflect the true payment history for the specified period. The details of the account are as follows : The inaccurate reporting of a late payment on my Equifax report for XX/XX/XXXX adversely affects my credit standing and contradicts the information on my XXXX report. This discrepancy is concerning and requires immediate attention and correction. I remind you of the Fair Credit Reporting Act 's ( FCRA ) provisions, which mandate credit reporting agencies to ensure accuracy, completeness, and fairness in credit reporting. Specifically, FCRA Section 611 ( a ) ( 1 ) ( A ) grants me the right to dispute inaccurate information directly with the credit reporting agencies and requires prompt investigation and correction of such disputes. I demand that you conduct an immediate and thorough investigation into this matter and delete the inaccurate late payment entries from my report for XX/XX/XXXX. Additionally, I request that you update my credit report to accurately reflect the correct payment status to paid on time for the specified time period. Failure to comply with this demand may result in further legal action to protect my rights under the FCRA. I expect your prompt attention to this matter and look forward to a swift resolution.
Product: Payday loan, title loan, or personal loan

This is a loan through XXXX owned by Barclay bank. ( General Inquiries XXXX International ( Call us collect ) XXXX Fax Number XXXX ) I paid off loan early on XX/XX/XXXX for XXXX ending in XXXX I never received a credit refund of XXXX. I called XX/XX/XXXX after being advised to wait 25 business days to receive. I called on XX/XX/XXXX to inquire and was told they would escalate for a supervisor to call me and get the refund sent. I never got a call from a supervisor. I called XX/XX/XXXX the representative said a supervisor tried to call me with no answer. I never received a call from a supervisor or a message from a supervisor. I called XXXX. Same process. The representative could email an escalation to a supervisor and have them escalate and help me. No supervisor call. I ask if they could just send my refund money they owed me. No. The representative could only email someone else. I ask to speak with someone and was told I could not talk to anyone. I had to wait for a supervisor to call me. 
I called again XX/XX/XXXX. I ask for my refund check and they said I was to get a call and it was escalated. I asked what did this mean and was not given a proper answer to why I have not been issued my refund check of XXXX I called again XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I never received any supervisor call or message that they called. I just want them to send my refund check of XXXX. Finally I called again on XXXX. SAME runaround. I am beyond frustrated and angry. I paid my loan off. They owe me money and it has been over 4 months they still have it. I tried to answe a call on my phone today after 2 rings and was hung up on. I called back the number and it was Barclay Bank that was not able to receive called. XXXX!! It rang 2x. I called the only number I have XXXX to ask about this notation on my account said they tried to call me. I asked again for my refund and have a supervisor called me. This is wrong and a violation of my personal consumer rights!!! I want to complain and get help getting my XXXX back! Thank you
Product: Mortgage

On XX/XX/2018 my husband received a call from our Mortgage Company trying to talk us into refinance our loan. My husband stated he did not want to refinance the loan said no, the loan officer was told to speak with me, the wife. After hearing what the loan officer had to say, if we are interested we will call you. We didn't call him. Th loan officer toke it upon himself to begin the refinance process and mail a loan packet to us.

He had already insulted us. We have the right to refuse a re financing of our mortgage.

A credit application was sent to us with a new loan number and paper work to sign. my husband credit was ran without his permission, the loan application process was started without permission. 
We faxed a cease and stop letter, on Friday XX/XX/2018 after the loan officer called back Friday morning. My husband stated he was not interested and he continue to try and presuade him into a loan harassing him to agree to somethings on the phone. My husband refused and hung up the phone. The loan officer then called my phone. I was unable to answer because I was at work. my husband called me and informed me of the call. I wrote the letter and faxed it to the mortgage company on Friday.

Today we revived the loan application packet, with a new loan application, and disclosure. We didn't ask for any of this. The loan officer used Bullying, harassing, and trying to presuade us into a new loan despite we didn't want it. he could not understand why anyone wouldn't take advantage of such a great opportunity. Why would you like to continue paying a higher rate? It makes no sense.

I don't like the implications, the insults, and don't like the fact he tried to force this refinancing on us. It is not right to harass someone because you want to get your numbers up. In addition mortgage companies should not pre-screen loan holders and harass them for their personal gain. if you send out a letter stating individuals can refinance or contact the mortgage if one 's choose to contact you one can. If one doesn't contact you, then they want your services.
Product: Credit reporting or other personal consumer reports

I have a XXXXXXXX XXXX inquiry listed on my credit report, that i do not recognize, that i did not apply for without my consent or knowledge.
Product: Mortgage

I bought a house last XXXX and was told by my loan officer to pay a down payment of 19.9 percent to get a lower interest rate. He said that I would only pay PMI for a couple of months and the PMI payments would drop. 10 months later, I am still paying PMI and now my loan officer is saying that I signed an agreement to pay this for another year. He said that I was supposed to call one month after my first payment to take out the PMI payments. I have his emails stating that the PMI will come off and that I just need to wait a little more. I have paid over 600 dollars in PMI payments.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 sent this debt collector CBM Services Inc XXXX XXXX XXXX Michigan XXXX file # XXXX XXXX XXXX There phone number is XXXX Local # XXXX I sent them a Certified Letter on XX/XX/XXXX with return receipt regarding my debts that they say I allegedly owe. 
I was requesting a collection account validation. 
On the alleged debts that they say I owe upon. 
In my letter I advised them that if there is any violations of my federal and state HIPAA privacy laws violations of the Fair Credit Reporting Act violations of the fair debt collection procedures Act or definition of my character. 
that I would possibly take legal action against them. 
And in this regards they have 30 days to advise me and I have 30 days to comply. 
All I wanted was a credit or debt collector declaration. 
Name and address of alleged creditor. 
Name on file of alleged debtor. 
alleged amount. 
Address on file of alleged Debtor. 
Amount of the alleged debt. 
Date that the alleged debt became payable. 
Date of the original charged off or delinquency. 
Was the debt assigned to the debt collector or purchased? 
Amount paid if that was purchased? 
Commission for debt collector if collection efforts are successful? 

I called the collection agency yesterday XX/XX/XXXX because I received their correspondence with nothing that I requested on it. I spoke to a representative and she could not give me any information so she switched me over to her manager. Her manager then advise me it was not my business about the debt and thats what I owed.I asked if they obtained it or purchased it and for what amount and if there was a commission if the debtor was successful at collecting the debt nor she would not respond and said it was not my business if the debt was purchased or not and the amount that it was purchased. I owe what I owe and they don't have to tell me anymore about the alleged debt 's and they don't care it will stay on my credit 7 to 10 years. Her words end of discussion and she hung up on me.

I also advised her before she rudely hung up on me without giving me any information and her words or end of discussion click I said I had medical insurance XXXX and XXXX I was involved in a major motor vehicle accident in XX/XX/XXXX so I've been on Social Security XXXX ever since with XXXX and XXXX as my insurance. 
I'm requesting that you look into this for me and see what you can do so this doesn't happen to other people from debt collectors regarding medical collections. and the debt collectors don't even care about giving you information about circumstances or about a person 's credit report.. 
Also that's it's in violation of 3 major laws. 

Thank you very much for your time to read my complaint and help me to resolve it. 

Sincerely XXXX XXXX XXXX XXXX
Product: Checking or savings account

On XXXX-2022 I seen a warning notification/message about how to prevent fraudulent activity a week after I opened my account, I ignored it because I didnt know what they were referring to. There wa no message or nothing and no one over the phone could explain to me what the message was for. And Nothing on my account was fraudulent. I had set up direct deposit with Citibank on and transferred over $ 3k on XX/XX//2022. I got a text message that was dated XX/XX/2022 asking for me to click on the link and log in to prove who I am before my account closes on the XXXX of XXXX, when I received that text it was already the XXXX of XXXX. I called Citibank and they said they never send out texts messages and to ignore it because it is fraud. So Ive tried logging in to my online account with them, and after I signed in it asked me to provide them with my debit card number and last 4 of social. Everytime I did that it kept on telling me that it did not recognize me. I called citibank again on XXXX to see what is going on with my account and my direct deposits from my job. They kept telling me that there is a block on my account and that they have to transfer me over to a department who could release the block. They transfer me and the phone agent tells me that my account is closed, read off some long script about a decision that was made to close my account and then hang up. They still have my check pending when they told me my account is closed. Theyre refusing to tell me how to go about getting my money, and when did they close out my account. Nobody is telling me where my other deposit of $ XXXX went. I am just tired of calling them everyday and just to get the same response every time. They never let me speak to a supervisor or someone in the fraud department, it is always a regular agent who is assisting me and acting as if I am some type of criminal and like my hard earned money from my job isnt mine! I havent recently any letters or emails from them to say my account was blocked, on hold or is closed. I can not provide any documentation since they blocked my account, I could no longer sign in to my online account.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit Bureaus have done terribly nothing! I have been sending countless dispute letters as well as submitting numerous CFP complaint and it is clear that the Credit Bureaus have never paid attention to my disputes. Under the FCRA section 605b, the Credit Reporting Agencies are required to remove any account and information that resulted due to identity theft and provide proofs of verification if the Credit Bureaus claim that the items are verified. But upon reviewing a copy of my updated Credit Report, the Credit Bureaus still include reporting the disputed accounts and information without sending me copies of documents bearing my signature. I have read enough to understand my rights which is clearly being violated by the Credit Reporting Agencies. I am submitting this CFPB complaint to remind the Credit Bureaus of my disputes and hopefully remove the disputed fraudulent accounts and information completely from my Credit Report as soon as possible : XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX B XXXXXXXX XXXX XXXXXXXX, MO XXXXXXXX XXXX XXXX XXXX Owed : {$55000.00} XXXX XXXX XXXX  Original Creditor : XXXX XXXX XXXX XXXXXXXX Balance Owed : {$970.00} XXXX Original Creditor : XXXX XXXX XXXX XXXX Balance Owed XXXX {$400.00} XXXX & XXXX XXXX Original Creditor : XXXX XXXXXXXX XXXX XXXX Balance Owed : {$1200.00} DP OF EDUC XXXX Balance Owed : {$4900.00} DP OF EDUC XXXX Balance Owed : {$2400.00} DP OF EDUC XXXX Balance Owed : {$3700.00} DP OF EDUC XXXX Balance Owed : {$7400.00} DP OF EDUC XXXX Balance Owed : {$3500.00} XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit card

I have never used this account, consistently ensuring timely payments. I'm uncertain why there are reports of late payment remarks on my accounts.
Product: Credit reporting or other personal consumer reports

Experian did not resolve dispute number XXXX which closed on XX/XX/XXXX. Please provide information on how you verified the account as accurate when the account history clearly shows discrepancies. For example how is it possible that Experian verified the account as accurate and updated a payment date for XX/XX/XXXX but listed in the account payment history the account was Charged off in XXXX.
Product: Checking or savings account

{$35.00} overdraft fee charged to my Wells Fargo account on XX/XX/2021 I have attached the relevant statement and circled the transaction in red on page two of the document. 

At the top of the statement it specifically says the account is not protected by overdraft protection, therefore any transactions made for which funds are not available should be declined. 

The transaction of {$600.00} ( which was not an automatic payment ) immediately preceding the overdraft fee of {$35.00} put the account into negative balance causing the overdraft fee to be charged. 

Wells Fargo should have declined the transaction rather than paying it out so they could charge a fee. Paying a transaction amount greater than the account balance is the very definition of overdraft protection, and I don't want it on my account.
Product: Credit reporting or other personal consumer reports

I am formally requesting this letter to update the listed account in my credit profile which appears to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will violate the Fair Credit Reporting Act XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I'm in the process of proving my side of outrageous late payments, very large balances not caused by me. Especially my account with XXXX XXXX which was my favorite and most well taken care of. I was bringing XXXX more payments to submit from my bank account. And how I accidently paid twice the amount of {$230.00} within a couple days and waiting patiently for them to send it back, which they never did. All I have to fight this with is XXXX cellphone with internet access. No laptops or desktops. It will take time. I'm sorry but even before I got that fAr, I needed to change that personal statement. That question which wanted me to lie and pick a bankruptcy answer, would not let me advance to start uploading my evidence. I asked the customer service guy, was I just suppose to give up and stop? I then informed him I was reporting this incident to the proper government authorities cause this tactic is not fair to the consumers who do stop and give up! 

I would say XXXX tactics who favor the big companies is not as bad as Transitions using now by not sending me a code to prove who I am by my cell phone. It's been XXXX weeks of trying and I'm still unable to get back in.