23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

on XX/XX/year> via online chat with credit card company, i requested proof of debt and a full accounting history. the company did not provide. 

also, the minimum payment amount that the company provides is deceptive because the minimum payment amount isnt enough to prevent me from apparently going over my limit thus causing predatory fees every month.
Product: Student loan

I am attempting for over six months to resolved and complete my consolidation with Pheaa on loans from XXXX. I have been even trying to escalate the issues with management and the issue is still being research despite filling out and providing proper documentation multiple times. ( 4 and 7 times filling out requested forms and sending proof of error on their part. ) Neither company is doing their part to resolve the issue. The consolidation application was filled out in XX/XX/XXXX. As of XX/XX/XXXX the issue is still not resolved. I have had to endure rude representatives and obnoxious managers that refuse to actually do their jobs and resolve the issue. I just keep getting call them they didn't do. They just try to pass it off to the other company and one person from XXXX actually did something to get me an answer, but then neither company is actually fixing this issue. Its a consolidation so I can proceed with my public service student forgiveness and set up the payment arrangements. They are holding me up from finding cheaper housing so I can actually pay them. This is beyond poor customer service they are lying to get out of doing their job, they are refusing to adhere to my right to consolidate and now completely impeding on my life. Can you refer an attorney because they need to be sued?
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to file a complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding inaccurate late payments that remain on my credit report despite multiple attempts to correct the information. The credit reporting agencies and the creditor have failed to provide any documentation or evidence of the accuracy of their reporting, yet they continue to report the inaccurate information on my credit report. 

I have sent multiple letters to the credit reporting agencies disputing the accuracy of the late payments, citing laws such as the Fair Credit Reporting Act and Fair Credit Billing Act. In response, the credit reporting agencies claimed to have verified the accuracy of their reporting, without providing any evidence or documentation to support their claims. 

I have also sent a letter to the creditor disputing the late payments, and demanding the immediate removal of the late payments from my account, as well as the production of documentation such as transactional history, billing statements, and any other documents that the law allows me to request from creditors regarding billing errors. The creditor has failed to respond to my request.

Despite my efforts, the inaccurate late payments remain on my credit report, damaging my credit score and making it difficult for me to obtain credit or loans.
Product: Checking or savings account

I have been banking with navy federal for years now and just found out they was allowing transaction to go through knowing the money isn't available, I also notice when funds would be sent over they made it seem as if I could use them only to charge me multiple od fees
Product: Credit reporting, credit repair services, or other personal consumer reports

I've run into a brick wall with Equifax, XXXX, and XXXX. They've ignored all my disputes on my credit report about the inaccurate AND unverifiable information, which violates 15 U.S.Code 1681e ( b ). They didn't take the necessary steps to check the proof I provided, which is their duty to ensure accuracy. 

It's been 41 days since I reported this on XX/XX/2023, way past the required 30-day investigation period stated in 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ). They've left me hanging with zero updates or results. 

Worse still, Equifax, XXXX, and XXXX hasn't noted my dispute in subsequent credit reports, a clear violation of 15 U.S.C. 1681i ( c ). So anyone checking my credit is getting a distorted view of my situation. 

I'm really frustrated with Equifax, XXXX, and XXXX not playing by the rules and hope you can help set things right.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Subject : Dispute of Inaccurate Information under 15 U.S. Code 1681i ( a ) ( 1 ) ( A ) Dear Equifax Team, I am writing to formally dispute the accuracy of certain information in my consumer file, as provided under 15 U.S. Code 1681i ( a ) ( 1 ) ( A ).

The details of the disputed information are as follows : XXXX XXXXXXXX XXXX XXXX  I noticed my credit reports are reflecting inaccurate information. One report date of the last activity is missing, this fact is considered inaccurate information that has been reported like this for over 3 years. This account needs to be deleted from my credit report effective immediately.

I request a free reinvestigation of this information, as required by law. I believe this information is inaccurate for the following reasons : Date of last activity should be the same. Stop sending stall letters stating you can't locate a credit file, and that the information is erroneous.

As mandated, I expect the reinvestigation to be completed within the 30-day period from the date you receive this letter. If the disputed information is found to be inaccurate, I request that it be deleted from my file, and that I receive a corrected copy of my credit report reflecting these changes.

Thank you for your immediate attention to this matter. I look forward to your prompt response.

Sincerely,
Product: Credit card

Capital One Spark Description of complaint : XXXX have requested Spark Credit Card Statements for calendar year XXXX & XXXX. I was told by Capital One that this request would not be fulfilled. It is my understanding that Bank Financial Record should be kept for XXXX years and available to the card holder upon request. The online self service is unavailable.
Product: Checking or savings account

From XXXX Wells Fargo consistently charged me overdraft fees resulting in the inability to bring my balance up to a positive balance or even to XXXX  it out. They then charged me fees to close my account.
Product: Vehicle loan or lease

my signatures were forged on documents. 
notice of recission was sent and its past 21 days. 
Car was illegally repossessed.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have violated my rights.

15 U.S.C 1681 section 602 A : States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : Also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Prepaid card

pretty much i tired spending my XXXX dollar amex card that i had gotten from XXXX but it declines on everything
Product: Checking or savings account

On Monday XX/XX/2021 I applied for and opened a checking account with Navy Federal Credit Union. I did so under the sponsorship of an existing Navy Federal member, my wife whom I live with. I understand that I meet all of the qualifications for membership. I was granted online access to my account and was able to make an initial deposit of {$100.00}. 

Later that night, upon attempting to access my account via the web I was greeted with a message indicating I was not allowed access and needed to call in. I called on the night of XX/XX/2021 and waited on hold for over 40 minutes before I got to a representative who informed me that she could not provide me any information regarding my account or the reason I am not allowed to access it, and that I must call back when their security department was open ( which were restrictive hours ). I was also told that this department has no direct line and that when I call back during thier open hours I would need to first wait on hold for a representative who could then enter me into the queue to wait for the security department - which the representative remarked was " a long queue ''. 

At no time was any communication sent to me via email or otherwise indicating that I would be restricted from accessing my accounts or needed to contact anyone. The only way I could obtain this information was by attempting to login, then calling and waiting on hold to be informed of the hoops I would need to jump through. 

At the point of my writing this it is XXXX and I have still received no communication from Navy Federal indicating that they have taken any action or that there is any problem with my account. When I call into their support line after I am off work, the representatives are rude, vaguely accuse me of fraud but refuse to provide any details. 

This has been a horrible customer experience and I have XXXX desire to do any banking with Navy Federal. I want my money promptly and I want them investigated for the practices that led to my unfortunate experience.
Product: Credit reporting or other personal consumer reports

This is my third formal request to remove inaccurate and false information from my credit report. The Collection company is XXXX XXXX XXXX XXXXXXXX and original creditor is XXXXXXXX XXXX the amount is {$5500.00}, Date opened XX/XX/year> Despite my previous attempts, the inaccurate information remains, the credit bureaus have failed to respond and according to FCRA Section 611 Part ( XXXX ) is a direct violation of my rights under several federal laws, including but not limited to 15 U.S. Code 1692c 15 U.S. Code 1692g, 15 U.S. Code 1681 e ( b ) The continued reporting of false information, especially the misuse of my personal information, is not only unlawful but also damaging. You are required by law to ensure the accuracy of all information reported, and failure to correct these inaccuracies after repeated notification is a violation of federal consumer protection laws. 
I request this false report to be removed from my XXXX, XXXX and XXXX report. 

Thank you in advance
Product: Credit reporting or other personal consumer reports

I mailed a letter to XXXX XXXX, XXXX XXXX, XXXX, Goldman Sachs, XXXX XXXX XXXX XXXX  who are reporting my balance, payment history, etc on my credit report and advised them that according to 15 USC 1681b section 2 ( A ) ( i ), that the term consumer report does not include report containing information solely on transactions, and that it was illegal to report transaction history. Neither of the companies replied to my letter, and neither one of them complied. I have attached the letter that I mailed each company on XX/XX/2024.
Product: Debt collection

As of XX/XX/2020, I have sent monthly  letters to AMEX asking them to provide that those accounts are indeed mine. All letters are attached to this complaint. I have not received anything from that AMEX to justify their collecting attempts and reporting it on all three credit bureaus. Where in their comments on my credit report they stated " meets FCRA 611 ( 15 U.S.C. 1681I ) requirements ''. I sent out letters pertaining to these account they are reporting to the credit bureaus and in no WAY are they are " MEETING FCRA REQUIREMENTS ''. I asked for verification and I have received nothing. Per FCRA requirements, if I am not supplied with the evidence after 30 days THOSE ITEMS WILL BE DELETED FROM ALL THREE CREDIT BURUREAS.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the list of accounts below have violated my federally protected consumer rights to privacy and confidentiality until 15 USC1681.

15 USC 1681section 602 A states I have he right to privacy. 

15 USC 1681 section 604 A 2 states a consumer reporting agency can not furnish an account without my written instructions. 

16 USC 1681c. ( a ) ( 5 ) section states : NO consumer reporting agency may make any consumer report containing any of the following items of information, any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

Inquiries : XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX Inquired on XX/XX/XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX Not Associated with this address : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to dispute and request an update to my personal information in your records. I recently obtained a copy of my credit report and discovered that some of the personal information listed is inaccurate or outdated. I kindly request that you investigate and make the necessary updates to ensure the accuracy and integrity of my credit profile. 

Please find below the specific details of the incorrect or outdated information : Name : My current legal name is XXXX XXXX XXXX XXXX, but it is listed incorrectly on my credit report as [ XXXX, XXXX, XXXX / XXXX, XXXX, XXXX / XXXX, XXXX, XXXX ]. I request that my name be updated to reflect the correct information. 

Address : My current residential address is XXXXXXXX XXXX XXXX XXXX  XXXX, FL XXXX, but my credit report shows an outdated address as [ XXXX XXXX XXXX, XXXX, FL XXXX / XXXX XXXX XXXX, FL XXXX ]. I request that my current address be updated accordingly. 

I have enclosed copies of supporting documents to verify the accurate information provided above. The documents include : A copy of my drivers license or passport displaying my correct name. 
A recent utility bill or bank statement showing my current address. 
A copy of my phone bill or any other official document that displays my correct phone number.
Product: Credit reporting

There are addresses on my report for places I have never lived. Also a fraudulent credit card opened in my name at XXXX. I have disputed this with XXXX and want it taken off my credit report.
Product: Checking or savings account

On XX/XX/23, I wrote a check to XXXX XXXX XXXX for {$1400.00} and CrossCheck denied it. We had over {$50000.00}. in that account. I wrote another check for {$1400.00} and CrossCheck denied it, too. We had over {$25000.00}. in that account. If I hadn't had a credit card to use at the time that was approved, I'm sure they would have called the police to come arrest us. This is totally unacceptable.
Product: Debt collection

My information was reported to be compromised and leaked via ( Capital One app ) and was used on the dark web.
Product: Credit reporting, credit repair services, or other personal consumer reports

these accounts don't belong to me. please remove accounts 1. Identity Theft XXXX XXXX Date of Inquiry : XXXXXXXX XXXX  This is not mine. 

2. Identity Theft XXXX Date of Inquiry : XXXX XXXX  This is not mine. 

3. Identity Theft CONSUMER PORTFOLIO S Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX Date of Inquiry : XX/XX/2020 This is not mine. 

5. Identity Theft XXXX Date of Inquiry : XX/XX/2020 This is not mine.
Product: Credit reporting or other personal consumer reports

I am still receiving emails from the credit bureaus suggesting that I am assisting credit repair companies, which is absolutely incorrect. I am the one sending out the letters. Please take immediate action to rectify this issue, or I will be compelled to take legal action. Below is the list of negative accounts and inquiries I want to be removed : XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX Washington, DC XXXX Dear Consumer Financial Protection Bureau, I am writing to dispute an unauthorized hard inquiry on my TransUnion credit report and to request an immediate investigation into this matter, as I believe it violates the Fair Credit Reporting Act ( FCRA ) regarding permissible purposes for credit inquiries. 

The specific inquiry in question was made by XXXX XXXX ( XXXX ) on XX/XX/year>. I did not authorize this inquiry nor did I initiate any credit application or transaction that would warrant a hard pull on my credit file by this institution or any other entity. 

Under the FCRA, section 604 [ 15 U.S.C. 1681b ], permissible purposes of consumer reports are clearly outlined, and any access to my credit information must align with these legally defined reasons. An unauthorized hard inquiry not only contravenes these regulations but also unjustly impacts my credit score. 

I respectfully request that the CFPB : Conduct a thorough investigation into the unauthorized inquiry by XXXX XXXX  ( Finance ) reported on XX/XX/year>. 
Ensure the removal of this inquiry from my TransUnion credit report if it is found to lack a permissible purpose under the FCRA. 
Provide me with a detailed account of the investigation 's findings and any actions taken to rectify this issue. 
I have attached a copy of the portion of my TransUnion credit report showing the unauthorized inquiry for your reference. 

Thank you for your attention to this important matter. I trust in the CFPB 's commitment to uphold the consumer rights and protections afforded by the FCRA and look forward to your prompt assistance. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

I joined a gym ( XXXX XXXX ) on XX/XX/2021. 
Had a job loss the very next day on XX/XX/2021. 

I contacted XXXX XXXX imediately and they agreed to cancel my membership and refund both charges. Unfortunately, after agreeing to refund both charges, my account was still charged. 

I opened a dispute with Capitol One since both transactions in the amount of {$64.00} and {$120.00} still showed on my bill. I was told that the merchant has 30 days to respond with appropriate documention. I also contacted XXXX XXXX in XXXX reminding them that they agreed to refund me the amounts. They agreed to send a response letter to Capitol One to help initiate the refund to me for both amounts. XXXX XXXX is not disputing the refund and they have made several attempts to help resolve the issue with the refund with Capitol One. 

Since XX/XX/2021, XXXX XXXX has sent my cancelllation letter to Capitol One, and states that they have issued a refund multiple times. Yet, Capitol One keeps charging me back on my account and refuses to issue the refund. There are several phone calls to Capitol One on a recorded line that can be reviewed. 

XXXX XXXX sent the approval for cancellation for the {$120.00} charge, to Capitol One, and it was recieved on XX/XX/2021. It shows my cancellation approval from XXXX XXXX at the bottom of the letter, effective XX/XX/2021XXXX XXXX XXXX also sent a cancellation request letter for {$64.00} but XXXX XXXX  failed to send the letter in my name. This would be considered " improper documention '' on the merchants part, and therefore, although XXXX XXXX  is not disputing the refund, it was an errror on their part. Therefore, I am entitled to a refund for improper proof of documention. The document they sent is not in my name, is not a signer on my account, does not have my phone number, etc. It is someone elses cancellation letter sent in error and I do not know this person. Capitol One 's response to this improper documentation is that I HAVE TO PROVE that that other person is not ME! How do I do that???? 
Plus, Capitol One has all of my signers listed on my account. 

When I called Capitol One, they said it was a signer on my account but it is definately not. 

I have contacted XXXX XXXX AND Capitol One for XXXX, XXXX, XXXX, XXXX and XX/XX/2021. XXXX XXXX  emailed me a confirmation of refund that was sent to Capitol One and contains the refund transaction ID for both charges. Capitol One states that XXXX XXXX has never issued refund. I have a copy of the transaction letter from XXXX XXXX showing the date and transaction ID of both refunds. 
I sent that to Capitol One, yet it does not appear in my account letters. 

Capitol One has both refunds in their possession for the past 11 months and continually refused to issue an account refund for {$120.00} and {$64.00}. 
And, by XX/XX/2021, they claim it is past the refund time frame, even though XXXX XXXX  has issued the refund MULTIPLE TIMES since XX/XX/2021!!!! 
Again, please listen to my LAST conversation with a supervisor that refuses to assist in this issue. ( XX/XX/2021 )