23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I am filing a complaint with the CFPD regarding Capital Ones failure to deposit my direct deposit from my employer and any other incoming deposits.capital one has cited technical issues which may violate the Electronic Funds Transfer Act ( EFTA ) as it requires timely access to funds. This situation raises concerns about consumer protection laws, and I request your assistance in investigating this matter to ensure my rights are upheld. Thank you.
Product: Debt collection

I moved into this apartment XXXX on XXXX. At the time I was in desperate need of a place to live so I was willing to pay just about anything to find a place to stay. They sold me on the fact they were planning on updating the place with new amenities. When I saw the suppose Demo unit for the place it was beautiful. Unfortunately they didn't keep any of their promises. I never received my in-unit washer and dryer, I never got my in-unit table but every month I was being charge the price of having all these amenities. 

I then contacted the office and the manager XXXX to figure out what was going on and he explained to me that everything would eventually be installed. None of what was promised happened. I didn't feel it was fair to be charged for something I never received so I explained to the office I wanted to move. They were extremely rude about the situation, the threatened to mess up my credit and never gave me any paperwork necessary to move forward with the process. I moved out all my belongings and returned their keys to them even after they informed me this my moving out would mess up my credit. Now they're charging me upwards of {$3300.00} when they didn't give me my security deposit back ( which I didn't expect to receive back ) and I honestly don't think its fair whatsoever and I would like it removed off my credit report.
Product: Credit reporting or other personal consumer reports

I have previously disputed with Experian, Equifax and Transunion regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports are badly hurting my credibility. I & # 39 ; m certain that my rights as a consumer protected under the law have been violated by this inaccurate information.
Product: Credit reporting, credit repair services, or other personal consumer reports

These credit reporting agencies are not following the FCRA rules and guidelines in my opinion. They are reporting fraudulent accounts and not explaining why they add fraudulent accounts and not fixing the errors. They have not provided documents in the mail or contacted me in regard to the false fraudulent information on my credit report. There are multiple accounts being reported inaccurate. I have not applied for any credit in years. There are inquiries on Experian, XXXX, and XXXX  reports. They need to be removed because I did not add them there. XXXX is reporting a fraudulent XXXX account. XXXX XXXX XXXX and an XXXX and Dept ED and XXXX is inaccurate and lack information and is incomplete. There is an account with XXXX reporting with incomplete information. Inquiries for XXXX XXXX. XXXX, XXXX XXXX twice for dates of XX/XX/XXXX, and XX/XX/XXXX, XXXX XXXX, XXXX/XXXX, I never applied for these accounts. I have been unemployed, XXXX and XXXX. I never will apply for something I cant afford. Someone have been using my identity. XXXX have been reporting false inaccurate information. XXXX XXXX XXXX alleged account, an incomplete account-XXXX XXXX XXXX its closed and reporting a balance XXXX a XXXX XXXX account, someone opened it my name. Maybe an ex or family member of mine. I have not applied for XXXX XXXX inquiry debt of XXXX is incomplete reporting closed and with a balance. Inquiries for XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, cXXXX XXXX, XXXX with XXXX. Please remove this accounts immediately! Please do an investigation. I have reported these to the law and to the bureau that someone have stolen my information.
Product: Student loan

I submitted a payment for the full amount of all of my student loans on XXXX Looking through my email I never received an email saying my payment had been received. The payment continued to process for 2 days. During this time I continually checked my Nelnet account and the account showed the full amount of my loans was paid. Apparently on XXXX the payment was returned to me due to a possible typo in the account number. I had checked the account number three times before submitting the payment. XXXX  was a Wednesday. My Nelnet account still showed the entire amount of my loan had been paid off. OXXXX XXXX, a Saturday ( Nelnet is not open ), I was sent a letter saying my payment had been returned to me and I still owed the full amount of my student loans. My loans were already starting to accrue interest. Keep in mind I paid in full before XXXX when student loans began accruing interest again. I called Nelnet and listened to the automated voice tree for nearly 15 minutes, before finding out Nelnet was not open until Tuesday as Monday was XXXX XXXX. By Tuesday my loans had accrued more interest. I called Nelnet and was on hold for 1 hour 54 minutes before speaking to a servicer. I was then told that I had made a mistake so my payment had been returned, and I was responsible for the interest accrued during that time. I explained to the servicer that, had I received the letter the day my payment was returned, I would have again paid off the loan before XX/XX/XXXX. Instead my loans accrued interest for 5 days before I could contact someone to talk about what had happened. I was told again the interest was my fault and I would have to pay it so I asked to file a complaint with someone. I was put on hold again for over an hour when my phone disconnected the call. I was not called again even though it had taken over 3 hours to get to the point I was, the call tree said it would be a 135 minute wait to talk to someone again. So now I'm hoping that my payment will go through this time and hoping not to accrue even more interest while waiting for the payment to post. This is a crooked business practice.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX Email : XXXX 15 U.S. Code $ XXXX a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S. Code 1681b - Permissible purposes of consumer report ( a ) in GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY! 

Accounts to be deleted listed below : XXXX XXXX Account Open Date : XX/XX/XXXX XXXX Account Open Date : XX/XX/XXXX XXXX XXXX Account Open Date : XXXX XXXX XXXX XXXX  Account Open Date : XX/XX/XXXX XXXX XXXX Account Open Date : XX/XX/XXXXXXXX XXXX
Product: Credit card

In XX/XX/XXXX BankAmericard began charging a {$59.00} annual fee. I opted out of the change in terms which meant I would pay off the balance under the prior terms. However, I was charged the {$59.00} fee in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. For some reason they did not charge me in XX/XX/XXXX, but I have never been refunded for the other 4 years of fees and related interest charged on those fees. I have complained each year which is probably why it did n't get charged in XX/XX/XXXX, yet nothing has been done to correct the prior billing. I want to pay off the balance now but am not going to pay these fees totaling {$230.00} + interest. I would appreciate some assistance in resolving this issue. I have limited access online to statements etc. but have included what I can for now. Every year when I call BofA, they say they are " correcting '' it as they did 2 weeks ago when I last called, but I never hear from them again until I see the bill the next year and call again.
Product: Debt collection

This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureaus, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested.

This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of a disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experiences, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Student loan

I had submitted my payment before my due date however my payment was never applied to my loans. I called multiple times over the past two months to get my loan reapply to my loan so that my I would n't show that I was delinquent. Each person that I spoke with told me he would be done in two days 7 to 10 days, however every time I look at my loan balance it still does n't show the payment applied. Each time that I call everyone assures me that it will be fixed however a week has gone by and still the loan has not been applied to my account. The service that I have received is completely unsatisfactory and fraudulent I have paid my bills on time and that 's how they should be reflected.
Product: Student loan

Received XXXX separate calls from Citibank Student over the weekend regarding a past due balance. A past due balance, that was a mistake made by Citibank Student Loans and the second time this mistake was made When my wife spoke to them, they refused to give her information, despite her being authorized. The representative was pushy, repeatedly requesting payment immediately. She did give her ID # when she spoke. She did not care when we mentioned that the past due balance was an error on the part of Citibank, still requesting payment. We asked for a call back number which she did not want to give and continued to request payment. When she finally gave it, the number to call back brought us to the system and we were informed the offices were closed. They requested personal information that did not seem secure. 
Now, we were able to call back and speak to a representative when they were open. We were informed that they had no control over when people were called and that the staff were told to call and they did so and this was their policy. 
This balance had been " past due '' for less than a week and there had been no email notification or mailing. We received an email today almost a week after the phone calls were received. Further the phone calls were over the weekend ( XXXX ) and repeated. This is excessive, bordering on harassment, especially in light of the whole situation being a result of an inability to process a check correctly and follow the directions on it for a second time.
Product: Credit reporting or other personal consumer reports

I've expressed my complaints regarding identity theft on multiple occasions. Within XXXX business days, you must remove or block any items that were opened without my knowledge, consent, or authority if you can provide the following : ( XXXX ) suitable identification proof ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the consumer 's identification of the relevant information; and ( XXXX ) a declaration from the customer stating that the information is unrelated to any transactions. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX NV XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXXXXXX Balance : {$1900.00} ; XXXX XXXX XX/XX/2022.
Product: Vehicle loan or lease

i purchased a car in XX/XX/2021 through enterprise car sales. Financing was also through them using Santander. XXXX messed up the paperwork for title, tag and registration resulting in the purchased car to be parked until its fixed. After a DMV inspector had to step in, he found XXXX  at fault for everything. XXXX has said they are working to resolve the issue. I paid my first 2 monthly santander loan payments before stopping because Its like I dont even own the car die to XXXX  mistakes. Now Santander is threatening repossessing if I cant bring the account current. They call at all hours of the day and have asked me to go borrow money from a family member or friend for payment. I have been hit with every fee they can possibly stick to me. I believe that Santander issued the loan knowing that default would be likely. Its almost XXXX and I still cant use the car due to XXXX XXXX XXXX and Santander doesnt care.
Product: Credit reporting

There is a medical collection on my credit. As of XXXX 2015, credit reporting agencies such as Experian are required to withhold reporting of the collection for a minimum of 180 days and a maximum of 9 months so the patient can receive and pay the bill. I have informed them of this, but they have not removed the collection from my credit report.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on XXXX. 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 XXXX XXXX XXXX. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment reported in XXXX days 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 XXXX ( b ) of this title is mailed or delivered to the consumer not later than XXXX days before the payment due date. 


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


I have requested proof that this information was mailed or delivered XXXX days before the payment due date and this information was requested in good faith pursuant rule XXXX 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 XXXX
Product: Debt collection

The XXXX XXXX XXXX destroyed me personally as well as my business. I never requested any free money through the XXXX program or through unemployment insurance payments. My business was shut down, out of business for two full years. Your financial institution received millions of dollars for offset losses from either XXXX funding or direct payments from the U.S. Department of Treasury. Yet I as a little part of the economy has suffered permanent destruction to her credit. This was and is unfair. I believe that your institution should dismiss my balance altogether. Your institution could send out a 1099C in exchange for the write-off. I see no other way out of my situation other than a XXXX  XXXX filing. I pray that your institution can see through my problem and extend to me a complete write-off from any current indebtedness. Thank you. 
XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received a copy of my ( XXXX, Equifax, or XXXX ) credit report, and I noticed some late payments posted on my credit report : XXXX XXXX XX/XX/2022 account number XXXX XXXX XXXX XXXXXXXX XXXX account number XXXX Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
Did I give you written instructions to furnish this on my credit report? 
Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : Defamation of Character ( per se ) Negligent Enablement of Identity Fraud Fair Debt Collections Practices Act 15 USC 1692g violations.

Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]
Product: Credit card or prepaid card

I received a letter from Discover dated XX/XX/XXXX stating my account will close due to inactivity on XX/XX/XXXX. The Pandemic hit the next month forcing me to obey the " stay at home order '' set forth by the WV Governor. I had not left the house until XX/XX/XXXX for a medical appointment. I was not able to use this card prior to the XXXX. I inquired with Discover on the XXXX and my account was " still open '' but I was told they would indeed close it within the next day or two. I made a purchase on the XXXX and it went through. I spoke with a Discover Supervisor after this purchase reminding her that the guidelines for this closure should not be reinforced because of this national crisis. If I had a balance on this account I would not have to pay it ; yet, I have an account in Excellent standing - with a {$15000.00} limit since XXXX and Discover will close my account and lower my credit score and effect my credit report due to no fault of my own. I had an Excellent credit score and need this more now as we are building a new home. I spoke with Discover Corporate on XX/XX/XXXX. I was told there was no exceptions for the closing guidelines due to the Virus. However, this state has changed guidelines for license expiration. I was issued a new card with only a limit of {$1000.00} with one click - why can't they keep my card open with one click?
Product: Credit reporting or other personal consumer reports

This is my another Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within XXXX business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer ; and ( XXXX ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

Downloaded my credit report from Equifax on   XXXX  . Noticed the name was incorrect - all credit reporting info WAS correct. The name on the report was that of my daughter BUT it used her maiden name rather than married. The last time I checked my report was in   XXXX   and there were no issues at that time. My daughter, with her name changed to that of her husband, has been married 11 years - longer than the last report. I am working with Equifax to restore MY name to MY report - so far, no issues other than time. But I am concerned about the name change without any apparent rationale.
Product: Credit reporting or other personal consumer reports

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still some accounts that need to be fixed. The 3 Credit Bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed accounts will be fixed as soon as possible XXXX XXXX XXXX XXXX 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 or other personal consumer reports

XXXX XXXX XXXX XX/XX/scrub>/2024 XXXX XXXX XXXX XX/XX/scrub>/2024 XXXX XX/XX/XXXX XX/XX/year>2024XX/XX/XXXX XX/XX/XXXXXXXX/XXXX/2024XX/XX/XXXX XXXX/XXXX/2024
Product: Credit reporting or other personal consumer reports

've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.