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

This compliant is against Citizens Bank. I have a checking account with them. Some time ago, I made a mistake by using my Citizens Bank checking account as the source to pay off one of my credit cards ( I intended to use another checking account ). Because my Citizens Bank had insufficient funds for the credit payment at that time, I was charged for a later fee. That late fee is understandable because it was my own mistake using a wrong checking account for the credit card payment. However, I also have multiple monthly recurring transfers between my Citizens Bank and another bank. Citizens Bank then charged me the late fee seven time ( {$30.00} for three times and {$37.00} for four times ) because the credit card payment brought the Citizens Bank checking account to negative. Over a relatively long time, Citizens Bank did not alert me for the late fees by any means. When I found this issue myself, I was already charged the late fee for seven times. I believe that Citizens Bank should inform the customers once a late fee is repeated charged rather than be silent. 

I have contacted Citizens Bank to ask for a full refund of the late fee. They refunded me two out of the seven later fees charged. However, I am not satisfied with that. I am OK to pay for the first late fee, but Citizens Bank shall refund me for the remaining four late fees ( because they failed to inform me regarding the repeatedly charged late fees, which they should really do ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am filing this complaint against XXXX XXXX and the [ Credit Bureau Name ] for illegally continuing to report a balance on my credit report despite the fact that I received a 1099-C ( Cancellation of Debt ) from the creditor in accordance with IRS regulations. 
What Happened : On [ date ], I received a 1099-C Cancellation of Debt from XXXX XXXX XXXX officially canceling my debt in the amount of {$2900.00}. According to the IRS and the Fair Credit Reporting Act ( FCRA ), once a 1099-C is issued, the creditor has legally forgiven the debt, and the balance must be reported as {$0.00} on my credit report. 
Despite this, the credit bureau has failed to update my credit report, and XXXX XXXX continues to report a balance of {$2900.00} as a charge-off. This is a clear violation of the Fair Credit Reporting Act ( FCRA ) and IRS reporting standards. 
The Legal Violations : 1. 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act ( FCRA ) explicitly states that data furnishers ( such as XXXX XXXXXXXX XXXX must not report inaccurate information to the credit bureaus. 
2. 15 U.S.C. 1681i ( a ) ( 5 ) requires the credit bureau to remove or correct any inaccurate information within 30 days of a dispute. 
3. Reporting a balance on an account after a 1099-C cancellation of debt has been issued is considered misleading and inaccurate, and it severely impacts my creditworthiness. 
What I Want : I am demanding that the CFPB order both : XXXX. XXXX XXXX to cease reporting a balance on this account and update it to {$0.00} balance - Paid/Closed since the debt was legally forgiven. 
2. The credit bureau to immediately remove any derogatory marks, charge-offs, and the reported balance from my credit report. 
3. An official confirmation in writing that this account has been updated correctly. 
Supporting Documentation : I have uploaded the following documents to support my claim : 1099-C ( Cancellation of Debt ) issued by XXXX XXXX XXXX 
The response letter from the credit bureau falsely verifying the debt. 
A copy of my credit report showing the inaccurate balance. 
Why This Is Important : The continued reporting of a balance on a debt that was legally canceled and forgiven is not only inaccurate, but it also constitutes unlawful credit reporting. This has negatively impacted my credit score and financial standing, and I am seeking immediate resolution from the CFPB. 
I am requesting that the CFPB investigate this matter and require the credit bureau and XXXX XXXX to : Remove the charge-off/derogatory remarks. 
Provide written confirmation of the correction.
Product: Debt collection

I was living in XXXX XXXX  XXXX since XX/XX/XXXX with a lease end date of XX/XX/XXXX. I did reach out to the manager in XX/XX/XXXX asking early move out is possible since I bought a new home. Manager approved the move out of XX/XX/XXXX in writing after few rounds of discussions. Manager had asked me to come to the front office again by XXXX XXXX month end to note down the prorated rent for XXXX, which I did and paid the amount by Cashier cheque. I have attached all the evidence with this complaint. Since the property manager approved the move out in writing and I settled prorated amount noted by the Property officials, it is not an unlawful move out. I see that XXXX and Genesis Debt collection is trying to collect {$2000.00} in the name of XXXX  change term fee, which is not documented anywhere in the lease and also, I was not informed when the property manager had approved the early move out in writing as well. If XXXX is trying to collect the remaining lease amount + unlawful early move out and reletting charge of {$1300.00} in lease term XXXX then it is not valid, as my move out does not qualify under unlawful move out since Property manager had approved the move out and Leasing officials had shared the prorated amount what I should pay for XX/XX/XXXX before I move out, which I did.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. I have contacted Equifax regarding the fraudulent information that was placed on my credit report as a result of the misuse of my personal information. 
I don't understand what its going to take for Equifax to uphold my rights as a victim. I have filed a police report and the suspect was apprehended and arrested not long after. The suspect actually confessed to opening the fraudulent accounts. I have given all of this information to Equifax and I have included the appropriate documents to prove it. I feel like I'm being victimized allover again by this credit reporting agency. I have attached my ID, my SS card, a copy of the arrest report and my police report. Please help me get the justice that I deserve. Equifax 's investigation process is greatly flawed and it has prevented me from correcting this.
Product: Credit card or prepaid card

Credit Karma notified my husband that he had been added as an 'authorized ' user on " some one 's '' ( unidentified person ) credit card. He was then asked to click on a link ... a clear indication that it was a phishing scam. This is out of control and unacceptable. We have sent a message to Credit Karma that we would be lodging a complaint against them.
Product: Checking or savings account

Wisconsin Department of Revenue a public organization, took trust funds from a non interest bearing trust account at Wells Fargo it is a violation of 18 usc 657 and according to 31 usc 1321 this account is classified as trust funds and is a violation of federal law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to request the immediate correction of inaccurate information on my credit report. Specifically, I am referring to the payment history for my XXXX XXXX XXXX XXXXXXXX XXXX  XXXX - account number XXXX, which inaccurately reflects a late payment for XX/XX/2021. 

As per the provisions of 15 USC 1681s-2 ( a ) ( 2 ) within the Fair Credit Reporting Act ( FCRA ), creditors are mandated to report accurate and complete information to credit reporting agencies. Additionally, in accordance with 15 USC 1666b, I am requesting that the payment history for XX/XX/2021 be updated to accurately reflect a positive and current payment status. 

To address this matter, I kindly request that you provide me with documented proof of the alleged late payment in XX/XX/2021. It is imperative that I have a clear understanding of the basis for this reporting discrepancy. 

I urge you to investigate this matter promptly and make the necessary updates to my credit report. Your assistance in ensuring the accuracy of my credit information is greatly appreciated. 

Please provide written confirmation once the correction has been made and the documentation of the late payment has been furnished. 

Thank you for your attention to this matter and your prompt resolution of the issue.
Product: Credit card or prepaid card

Recently my Zales jewelry credit card was closed without my permission during this financially difficult time because of the covid 19 I have not been able to use credit card that doesn't give credit card company to close my account and repo negative in my credit report.
Product: Mortgage

I had been foreclosed on by Wells Fargo and I had paid PMI. I had to do a short sale on my home even though I was told by Wells Fargo that I could afford the mortgage, but could not get a modification through Wells Fargo. I believe it was because they could collect the PMI. I had lost my job and had to start a small business which provided income for me to afford the mortgage, and that business continues today. I spent {$9000.00} for attorneys to fight this and it was an impossible situation since Wells Fargo would not modify the mortgage.

How can I find out if I was part of the error that is labeled a " computer glitch '' in the news about Wells Fargo?

Also, something for the CFPB to consider that PMI leads to more foreclosures since the mortgage company gets paid in full, they have no incentive to modify when they can get the insurance claim paid, rather than modify a loan.
Product: Checking or savings account

On XX/XX/2022 my debit card was used to withdraw {$900.00} in XXXX Nevada. I live in XXXX. I didnt give authorization on the stolen debit card to be used by anyone. Capital One denied my dispute to return the funds to my account even though it happened fraudulently
Product: Credit reporting or other personal consumer reports

XXXX is reporting the balance on the Lvnv collection as {$710.00} XXXX is reporting {$760.00} The balance is inconsistent Furthermore, the date of last activity from XXXX is reporting XX/XX/XXXXXXXX  and XXXX is reporting XX/XX/XXXX, however the payment status of collection/chargeoff was reported in late XXXX this indicates from re-aging or manipulation of the delinquency dates and is in violation of the FCRA
Product: Credit card or prepaid card

I noticed that my most recent credit report contains a late payment reported on XX/XX/2020 for my BANK OF AMERICA account. Because of my exceptional payment history over thelast 2 years, I would like you to consider removing the negative payment from my creditreport. At the time of the late payment, I was in the process of changing jobs. I say that notto justify why the payment was late, but rather to show that the late payment are not a good indicator of my actual credit worthiness. I hope that BANK OF AMERICA is willing to workwith me on erasing this mark from my credit reports.
Product: Credit reporting or other personal consumer reports

I am not linked to the creditors mentioned, and these inquiries were not made by me.
Product: Debt collection

When I kept on asking for validation of this debt they told me at first they could n't provide it. Finally a " supervisor " emailed some of my bill, the letter they sent hasXXXX The orginial debt is XXXX I want to even negotiate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please see your complaint number # XXXX The issue is with XXXX. For over 2 years, multiple letters and complaints including yours have been ignored. They have been incompetent and negligent by failing to respond to their error.

There is no no issue with my creditors. They keep asking for a specific creditor that I am having trouble with but I dont have any creditor issues.

They will not LOOK AT THE COMPLAINT with any senior / experienced executive. I have NO problem with the other credit bureaus. 

I have over a 45 year credit history and yet they have not updated my report. 

They say : NO open accounts NO open real estate account No open bankcards or credit cars NO RECENT REPORTED ACCOUNT INFORMATION FOR OVER 2 YEARS. They keep responding that everything is ok but the problem is their portal THEY NEED TO CORRECT THEIR COMPUTER GENERATED ERROR.. 
They obviously ignore complaints or letters including from the federal government.
Product: Payday loan, title loan, or personal loan

On XX/XX/2021 I made an online purchase at XXXX using the online platform Affirm. On XX/XX/2021 I received email notification that my installment loan had been confirmed. Approximately two days later XXXX contacted me by phone and stated I owed hundreds of dollars in unpaid sales taxes. I have made several purchases in the past using Affirm, and my sales tax has always been applied at time of loan confirmation. I always knew exactly what my loan total was. That being said, and due to the unprofessional manner of the call, I declined owing any sales tax and insisted on cancelling my order. The caller then aggressively stated that he would waive sales tax, that he wasnt cancelling my order, and then hung up. I checked the status of my order online and it showed that it was in transit to a local facility and that it would arrive between XXXX XXXX. Against better judgement, I left it alone and waited to be called once the order arrived to the facility, as stated on the XXXX website. It is now XX/XX/2021, I have no furniture, can not reach anyone at XXXX, and the status of my order online has not changed. I have contacted Affirm regarding this issue and their process is very slow. It is to my understanding I have 15 days to submit my proof and documents of what happened and then it will take an additional 15 days to review them. Thats another month! Ive done some digging on XXXX and it didnt take long for me to discover that this company is a sham. I can not believe they are still able to conduct business. The thousands of complaints on XXXX  is whats happening to me word for word. Even the call about the unpaid sales tax. I am so disappointed in myself for not doing this research prior to making the purchase, but I felt Affirm was reputable platform with safe businesses. Affirm has opened a dispute regarding my concerns, but I no longer trust them either. Im afraid if they are able to contact XXXX, they will simply tell them my order is enroute and that will be the end of it. I do not want to conduct business with XXXX any longer. I have not received any goods, nor have I made a payment on my loan ( per Affirms policy ). I should be able to get out of this purchase. Please help. And please investigate XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent requests for validation of debt for the XXXX  XXXX loan on my credit reports. After receiving NO validation or information after 30 days XXXX an XXXX both closed and removed the account from my credit report. Meanwhile Experian not only did they not provide any information of validity but duplicated the acct so now there are 2 collection accounts on my report for the exact same loan just showing a slightly different amount due to interest charges I am guessing. I have attempted to dispute on more than one occasion an have received no valid response.
Product: Credit card

For the second time in three months, another customer 's credit card payment was made to my account. Both times I notified Elan Financial Services who issued my card. The first time was resolved after considerable hassle. This second time I still have been unable to return the {$1900.00} incorrectly credited to my account. I have used Elan 's secure message service after I log in - giving the date and amount of the improper credit and stressing that this is the second time this has happened with the first one XX/XX/XXXX being resolved. The response took four days and said, " This issue was resolved XX/XX/XXXX. '' I then called repeatedly and had to wait on hold a long time. The first person I talked to said I should talk to a supervisor, but the supervisor never picked up. I called again, waited on hold a long time, and talked to a friendly, professional young man who said he would have a supervisor call me ; but so far that has n't happened. Someone is wondering what happened to their payment. I 'm trying to give it back, and Elan wo n't take it.
Product: Debt collection

XXXX XXXX sold XXXX XXXX to XXXX XXXX ( loan number XXXX ) also known and reported on my credit as XXXX - in XX/XX/XXXX. This private student loan was charged off in XX/XX/XXXXby XXXX XXXX. Capital management has been the collection agency on this loan : capital management XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX The statute of limitation for this debt to remain on my credit in the State of Florida is 5 years. I graduated school XX/XX/XXXX. I did not make payment to this loan and it was first defaulted on XX/XX/XXXX. This loan should have been removed XX/XX/XXXX. XXXX has been fraudulently trying to collect on this loan through capital management, XXXX and XXXX XXXX. This loan appears on my credit report monthly as a defaulted negative loan to date. If the statue according to XXXX XXXX, which stated 7.5 years- this loan should have been removed from my credit as of XX/XX/XXXX. XXXX XXXX stated that a payment was last made XX/XX/XXXX- which would mean under the State of limitation in the state of Florida which the loan was originated and which I reside- this loan should have been removed XX/XX/XXXX. It is still being reported negativity reflecting on my credit adversely. Serving as a detriment to getting further credit approvals.
Product: Credit reporting or other personal consumer reports

XXXX XXXX Consumer Social Security Number : XXXX Date of Birth : XX/XX/XXXX Subject : Request to Block Fraudulent Information Pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), I am writing to formally request that you block information appearing on my consumer credit report that is the result of identity theft and fraud, as provided under FCRA 605B ( 15 U.S.C. 1681c-2 ). I expect this action to be completed within XXXX business days of your receipt of this complaint. 

The following accounts are fraudulent, inaccurate, and were not opened by me : First Premier Bank Account Number : XXXX Date Fraud Began : XX/XX/XXXX Balance : {$700.00} XXXX  XXXX Account Number : XXXX Date Fraud Began : XX/XX/XXXX Balance : {$1000.00} XXXX Bank Account Number : XXXX Date Fraud Began : XX/XX/XXXX Balance : {$8200.00} XXXX XXXX XXXX XXXX Account XXXX : XXXX Date Fraud Began : XX/XX/XXXX XXXX XXXX Services Account Number : XXXX Date Fraud Began : XX/XX/XXXX These fraudulent accounts have resulted in numerous unauthorized hard inquiries and collections appearing on my consumer XXXX credit report. I do not recognize these accounts, collections, or inquiries as they were not opened, made, or initiated by me. All mentioned accounts are the direct result of identity theft and fraud. 

I have attached a copy of my FTC Identity Theft Complaint # XXXX as proof that these accounts and inquiries are fraudulent. 

Please confirm receipt of this request and inform me of the actions taken regarding my credit report. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Equifax and XXXX  are reporting 4 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 5th dispute letters to Equifax, XXXX  and XXXX  since XXXX XXXX asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.
Product: Credit card

Dear Staff, I hope this message finds you well.

I recently participated in Bank of Americas More Rewards Day promotion on Thursday, XX/XX/XXXX, which offered an additional 2 % cash back on spending, in addition to the standard rewards, for my XXXX Bank of America credit cards. However, Bank of America unexpectedly closed all of my credit card accounts and has refused to provide the advertised cash back rewards.

I would greatly appreciate your assistance in reaching out to Bank of America to help resolve this matter.

Thank you for your support. 

Best regards, XXXX
Product: Credit card or prepaid card

A communique/notice was sent to Capital One Bank XXXX informing their representatives of the following events, on XX/XX/2023, and XX/XX/2023 the " Consumer /Applicant, XXXX XXXX, SS XXXX XXXX, ( Application XXXX ) requested for a line of credit and was unjustifiably denied ( an extension of credit ), in contravention to Sec. 1002.7 ( a ) 12 CFR ( A creditor shall not refuse to grant an individual account to a creditworthy applicant on the basis of XXXX, marital status, or any other prohibited basis. ) Respondent, please be advised that the open end consumer credit plan, under the laws of the CFPB ( Sec.1602 ( j ) of Title 15 USC ) in which the Consumer/Applicant, XXXX XXXX, XXXX XXXX under, can't be denied credit ( for " faithfully exercising his Rights or any other prohibited basis ''. ) under the Equal Credit Opportunity Act. [ Sec. 1691 ( a ), ( 3 ) of Title 15 USC and Sec. 1002.7 ( a ) 12 CFR ]. 
The XXXX XXXX XXXX  ) ( after being provided with proof of employment and banking statements ) were advised that any violations of the Equal Credit Opportunity Act [ Sec. 1691 of Title 15 USC and 12 CFR Part 1002 Regulation B ], regarding the unjustifiable denial of consumer credit to an Applicant/Consumer ( within the scope of Sec. 1002.7 ( a ) 12 CFR and Sec.1602 ( j ) of 15 USC- an open end credit plan and open end consumer credit plan ) is a violation of Federal Law and a breach of your fiduciary duty under the XXXX and laws of the CFPB Civil Liability for willful noncompliance can be found under Sec. 1681 ( a ) ( 1 ) ) A ) and under Sec. 1691 of 15 USC. 
The applicant/consumer, XXXX XXXX XXXX XXXX for the creditor to kindly to reconsider his or her recent decision and extend the line of credit to the applicant/consumer, XXXX XXXX upon the receipt of this notice and request for reconsideration or XXXX provide him with proof that the laws enumerated herein ( Sec. 1691 ( a ), ( 3 ) of Title 15 USC and Sec. 1002.7 ( a ) 12 CFR ) .do n't apply to this financial institution and the denial of credit did not violate any federal laws before responding with a final decision The representatives of Capital One Bank XXXX disregarded my attempts to rectify and resolve the problem and denied the applicant for BIAS and or PREJUDICE reasons ( in a reply email ) asserting that the applicant ( with a XXXX XXXX score, and a customer of the bank, with a checking and a savings account in excellent standing ) was not Credit Worthy . Notice was sent to several representative of the Financial Institution, XXXX XXXX and the notice and warnings were all disregarded,