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

I made a cash advance with Citibank in the amount of {$2000.00}. The interest fee was 5 % of that cash advance. I made a cash advance on XX/XX/XXXX in the amount of {$1000.00} and another {$1000.00} on XX/XX/XXXX. A {$100.00} interest fee was assessed.

I have a low balance on this card with 0 % interest on purchases until XX/XX/XXXX. I made a payment of {$2100.00} on XX/XX/XXXX and another payment of {$100.00} on XX/XX/XXXX. When I logged into my account on XX/XX/XXXX, I saw another pending transaction for {$100.00} notating that it was a cash advance fee. I had already paid {$2200.00} so it looks like they were charging me again.

When I called to speak to a representative, they told me the pending charge was to apply a credit towards the {$100.00} because I had paid in full the cash advance along with {$100.00} fee. It didn't make sense at the time and I logged into my account everyday since XX/XX/XXXX, to see the pending {$100.00} charge date move to a future date.

I logged into my account on XX/XX/XXXX, and see that they are trying to charge me {$100.00} for cash advance when I already paid {$2200.00}. No one at Citibank can explain why I'm still being charged. If I pay the {$100.00} that will account for my total fees for this {$2000.00} cash advance to be {$300.00}.

It doesn't make any sense since I paid in full the cash advance plus {$100.00} fee on XX/XX/XXXX which is 5 days after making the cash advance.

Citibank is trying to charge me {$300.00} in fees for a {$2000.00} cash advance that I paid off in full within 5 days.

I have my chat correspondence with a representative from Citibank who can't give me a legitimate answer so I'm filing a complaint about this.
Product: Debt collection

They have called my minor childs cellphone stating they have her social security number and they will cause harm to her credit. They have contact my employer which is going to cause write up. To be placed in my employee file
Product: Debt collection

I asked for them to prove 100 % verified or validation. So I'm submitting through this site for help. This collection agency has not proved this account is mine. They have not sent me any of the proof of both these accounts : *Assignment clause *Notarized letter of debt purchase *Signed contract from original creditor *Copy of license to collect in my state legally * Signed HIPAA form This is a form of HIPAA violation. 
If they are saying it is verified then where's my proof? What methods are you using to verify?
Product: Credit reporting

I am filing this complaint because EXPERIAN has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark of the FCRA - they are required to " ... .promptly delete all information which can not be verified '' that I have disputed. Please resolve this issue as soon as possible, thank you.
Product: Checking or savings account

I was suppose to get paid on XX/XX/year> and I still have not received my direct deposit.
Product: Credit reporting or other personal consumer reports

I submitted a letter to the XXXX Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. XXXX XXXX XXXX Balance Owed : {$280000.00} ; XXXX XXXX Balance Owed : {$23000.00} ; XXXX XXXX XXXX Balance Owed : {$5400.00}.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed I have a fraudulent accounts on my report. Please remove all fraudulent accounts. 

Thank you, XXXX
Product: Credit card

I am very loyal to my Capital One credit cards. I have a security card that Ive had for sometime now they told me when I got the security card that it will mature into a unsecure card that never happened. I have a XXXX account and I keep getting these very small minute Increases and not getting the true value of my credit line increases. I dont understand. Why am I only getting {$100.00} {$50.00} increases here and there its a slap in the face for me and I am loyal to my car as I pay on time. I just dont understand why they are not graduating me and maturing me to the level that I deserve for my credit worthiness also my XXXX XXXX XXXX. I have a {$550.00} credit limit. Im asking for a credit line increase And some other rewards and Im just not getting it from them. Im putting in all this hard work and paying off my credit cards and doing everything that Im supposed to do as far as managing my account and keeping my account in Goodwill and so forth and such and Im just not getting what Im putting in Im not getting that from them. I feel like Im being deprived of my credit worthiness and not giving the true value of my hard work with Capital One. Im asking for substantial credit line increases. I have friends and family member that have credit limits that are at thousands of dollars and here I am stuck with credit limits that are {$400.00} {$550.00} like what is that like Ive been with them for years now and I just dont understand why Im not getting the rewards I should be getting from them. For this complaint, I was only able to add one of my accounts theres three accounts so the account that is added in this complaint is for my platinum secure card, my XXXX account number and my Savor account numbers are not added because I guess you can only add one account but again I have 3 accounts with this Bank. I will indicate them here : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
My phone number is incorrect on this panel : my correct number is : XXXX Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit file shows late payments on my Discover Bank credit card. I contacted the company and they advised that they have not reported any late payments and that I would have to contact the credit bureaus. I contacted the credit bureaus and they advised that I would have to contact discover. Discover is still unable to assist me on a mistake that they made. I was not late on my credit card payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

This involves a fraudulently opened   XXXX   XXXX   XXXX   card that I thought I had previously removed from my credit report. When I was in the process of applying for a mortgage, I learned of a delinquent "  XXXX  '' account on my credit report. Upon researching the account, I learned this was a   XXXX   XXXX   XXXX   account someone in Georgia had fraudulently opened in  XX/XX/XXXX  using my identity. In early  XX/XX/XXXX , I filed an identity theft report with the FTC, a police report with my local police department, I called and spoke with  XXXX  's customer service, I filed disputes with all  XXXX  Consumer Reporting Agencies, and I placed a fraud alert on my credit report. To their credit,   XXXX   and   XXXX   removed the item from my credit report. Today, on  XX/XX/XXXX , I learned the item still appears on my TransUnion credit report, causing my credit score to be  XXXX + points lower on TransUnion than on the other  XXXX . I called TransUnion and attempted to deal with this issue again. They wanted me to go through the entire dispute process again, sending the police report and FTC report again. I understand that the agent was following company policy, but the redundancy and frustration of having to go through this again is painful and inconvenient.
I am uncertain as to whether TransUnion never deleted this item after the  XXXX  dispute process, or whether  XXXX  attempted to re-report this account. Either way, I am now frustrated by having to deal with this again. If this does not remedy this situation, I will pursue legal action under the FCRA.
Product: Debt collection

Hello, I have submitted a complaint first on XX/XX/XXXX, today I followed up with J Ritter Law and sent them an intent to settle. I just want to add this to my paperwork regarding my complaints. I have added the updated sheet of the violations and sent them the notarized copy. Thank you I cant wait to hear the response and move forward
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

PHH mortgage service has failed to update its records of my account being past due in XXXX and XX/XX/2012 despite my providing documentation of error and request to then and Experian to correct. In late 2012 our servicing was moved to PHH from XXXX. We made timely XXXX payment of XXXX on XXXX and on XXXX we made a combined XXXX and XXXX payment of XXXX. No payments were late. Attached is copies of bank statements showing amounts were paid electrically. Please correct this error This error occurred when servicing was being moved
Product: Credit reporting or other personal consumer reports

Unauthorized fraudulent inquires from XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Incorrect inquires on TransUnion credit report. Customer service would not help and take care of the negative inquiries reporting to your credit report. 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: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX  has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX  has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Experian/XXXX/ XXXX  Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. Enclosed are the following A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.

See Attachment accounts : I appreciate your prompt attention to this matter, and await your reply
Product: Credit reporting or other personal consumer reports

Dear Sir/Ma'am, Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( 15 ) days of the completion of your reinvestigation. 

Additionally, please provide the name, address and telephone number of each person contacted regarding this alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. 

Any automated response or e-oscar verification is unacceptable and incomplete. I am requesting a reinvestigation AND your Method of Verification. 

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. 

I am maintaining a careful record of my communications with you for the purpose with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney XXXX 's office, should you continue in your noncompliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX XXXX ), you may be liable for your willful non-compliance.
Product: Credit reporting or other personal consumer reports

Under the Fair Credit Reporting Act ( 15 USC 1681 ), Section 602 emphasizes the crucial responsibility of consumer reporting agencies to handle consumer information with fairness, impartiality, and respect for privacy rights. Experian, as consumer reporting agencies, are obligated to uphold these standards. As a consumer, I have the right to safeguard my private information, as reinforced by 15 USC 6801, which dictates that financial institutions must prioritize customer privacy and confidentiality.

According to 15 USC 1681, Section 604, a consumer reporting agency can only furnish a consumer report with the explicit written consent of the consumer. XXXX, Experian, and any financial institution ( the " Furnisher of information to credit agencies '' ) are not authorized to share my information without my explicit written consent. Therefore, any previous consent, whether verbal, non-verbal, or implied, is hereby revoked. 

Furthermore, 15 USC 6802 mandates that financial institutions must inform consumers of their right to opt out of information disclosure to nonaffiliated third parties. However, the " Furnisher of information to credit agencies '' failed to provide me with this option. Additionally, according to 15 USC 1681C, consumer reporting agencies are prohibited from including adverse information in consumer reports without authorization. Yet, they continue to report adverse information about my account without my consent, violating the law.

Moreover, 15 U.S. Code 1681s2 ( A ) ( 1 ) prohibits the furnishing of inaccurate consumer information to consumer reporting agencies, while 15 U.S. Code 1681e requires consumer reporting agencies to maintain reasonable procedures to prevent violations and limit the use of consumer reports to authorized purposes. XXXX and Experian are evidently failing to uphold these standards. 

Lastly, 12 CFR 1016.7 guarantees consumers the right to opt out of reporting services at any time. Therefore, I am exercising my right to opt out of your reporting services.
Product: Credit reporting or other personal consumer reports

Inaccurate late payments XXXX. XXXX other XXXX these are closed accounts so they cant change them. The collection actually just have XXXX not XXXX or 60 days only XXXX. Kickoff lending has XXXX & XXXX & XXXX XXXX XXXX was reopened thats a violation. I want too see original documentation from these accounts in pdf, I circle all these inaccurate things on these reports. Need fixed or deleted
Product: Checking or savings account

From the transaction records money from the checking account is being used for purchases we are making with our pre -paid card so I am double paying
Product: Credit reporting, credit repair services, or other personal consumer reports

I finally got a call back from Ms XXXX with Equifax and she stated the collections I inquired about where deleted. She stated I should have received an email telling me that and offering me a way to look at my file. I never received an email. I went to myequifax.com and it told me to " please give us a call. We cant complete your request at this time. Please call Customer Care team at XXXX ''. When I called, they told me to go to the website. Wow, I am dizzy. Last week I was told I would receive a paper copy in the mail in 10 days. I CANT WAIT 10 DAYS! Why is this so difficult? Why cant I pull a bureau on line to be sure it is clear?
Product: Credit reporting, credit repair services, or other personal consumer reports

This issue is an existing problem which credit bureaus wasn't able to resolve.. Their investigation did not fix the account. They said they have verified it but did not give details on how their investigation went.. Payments were sent timely on this account and was never late..CFPB step up and fix this error..XXXX   XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently i had my credit report checked and it was brought to my attention that a account i had paid off is showing as open/delinquent.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE INQUIRIES LISTED BELOW ARE FRAUDULENT SOMEONE USED MY NAME AND SOCIAL SECURITY NUMBER TO FILL SEVERAL FRAUDULENT APPLICATIONS IN MY NAME I DID NOT SUMMIT THESE APPLICATIONS 1.XXXX  2.US SM BUS ADMIN ODA 3.XXXX XXXX XXXX 4.XXXX XXXX XXXX
Product: Credit card or prepaid card

I made an online payment from my XXXX XXXX XXXX XXXX account on XX/XX/2019, it was posted to my Wells Fargo Bank Secured Credit Card XX/XX/2019. However, my {$250.00} payment has been on hold and will continue to be on hold until XX/XX/2019, unless I fax proof the payment debited my checking account. In the meantime, I wonder if I am being charged 28 % apr everyday my payment is on hold and how long WFB has been processing my payments this way and to how many others. In the meantime, WFB is earning interest on my payment and not making my credit available to me for use. I had to fax a copy of my bank statement with my name and account number as well as my credit card number for them to release the hold on my credit limit. ( which I did today )
Product: Credit reporting or other personal consumer reports

I am submitting this complaint regarding inaccurate late payments that are reported on my credit file maintained by experian. I believe these late payments are erroneous and do not accurately reflect my payment history.

Nature of the Complaint : Inaccurate Reporting : The late payments listed on my credit report are inaccurate. I have consistently made my payments on time, as I have been enrolled in autopay for all my accounts.

Violation of the Fair Credit Reporting Act ( FCRA ) : The inaccurate reporting of these late payments violates my rights under the FCRA ( 15 USC 1666b ), as they misrepresent my creditworthiness.

Potential Violation of Fair Debt Collection Practices Act ( FDCPA ) : The reporting of false late payments may also constitute a violation of the FDCPA, which protects consumers from misrepresentation regarding their accounts.

Truth in Lending Act ( TILA ) : I assert that the reporting practices violate the TILA, which mandates accurate reporting of credit information.

Additionally, the Fair Credit Reporting Act ( FCRA ), specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files.

I will escalate this matter to the CFPB, citing articles 616 and 617 ( 15 U.S.C. 1681n and 1681o ), which provide liability for willful and negligent noncompliance, respectively. These statutes allow for damages, including actual damages, attorneys fees, and possible civil penalties for failure to comply with the Act 's requirements. 

The account is XXXX XXXX  - XXXX
Product: Mortgage

MORTGAGE DISCRIMINATION XXXX XXXX XXXXXXXXBENWORTH XXXX  In XX/XX/XXXX, we were approved to refinance our loan with Benworth XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX benworthcapital.com. Regarding the refi with XXXX XXXX XXXXXXXX, the original approved loan amount was {$360000.00} however, according to XXXX XXXX XXXX XXXX XXXX of lending NMLS # XXXX ph # XXXX, cell # XXXX fax # XXXX email : XXXX there was a new approved amount for {$370000.00}. However, when it was time to close the loan, there were some issues with Benworth paperwork that prevented the closing from taking place. Then on XX/XX/XXXX, Benworth called XXXX requested that XXXX my son, and I go to their office to sign some paperwork, which we are submitting copies of. To date, we are still waiting for the closing to take place. We believe something went wrong somewhere. However, because we are not a lawyers and do not understand the laws regarding mortgage loans, we were taken advantage of by Benworth in their paperwork. XXXX of the questions that we have is why XXXX had to sign to give us permission to refinance our home even though XXXX 's name is not on title? If you have any questions, please let me know. Thank you XXXX XXXX XXXX