23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

My credit card, issued by Barclays Bank Delaware, gives XXXX XXXX reward points as an anniversary benefit. It was supposed to be accrued by XX/XX/2016 but did not happen. I complained multiple times through their messaging system but no positive response was given. Because of this delay, my account balance ( XXXX points ) at XXXX was also forfeited.
Product: Student loan

It's my understanding that federal student loan repayment has been paused until 2023. Navient however is attempting to collect payments, charging massive late fees and capitalizing the interest in violation of current laws. 

They're also sending out false statements, attempting to collect in spite of the current pause. 

In the statement I'm enclosing, for XXXX unpaid month, they're charging over {$80.00} in fees. Over a third of the bill is late fees during a time they aren't supposed to be collecting. 

Further, they give you less than XXXX weeks to pay your statement. The one I'm including is for the XXXX with a due date of the XXXX and is for nearly {$250.00}. This is a blatant attempt to make it as difficult as possible to pay so they can charge more extraordinary fees
Product: Credit card

My husband and I have had a credit card with Citibank for over XXXX years. This is an XXXX & XXXX XXXX and we were XXXX XXXX. We received a letter several weeks ago that they had cancelled the card because we had n't used it in XXXX years. There was no notice that they were going to cancel the card - just the letter after the fact telling us not to use the account anymore. 
I called customer service and was told I could either open a new account or go through a process to ask them to review the account to determine if they wanted to reopen the account, although there was no guarantee that they would actually reopen it. I then talked to a supervisor who told me the same information but added that she had tried to get Citibank to notify customers before the account was closed rather than after but that her suggestions had been ignored. I chose not to go through their review process because it would mean lifting our credit freeze at the three credit bureaus, for which we would be out about {$60.00} with no assurance the account would be reopened. 
I then wrote to Citibank about the situation. We received their reply yesterday - " It is our practice to notify customers AFTER the date we close the account '' ( Emphasis on after added. ) Had we been given even a few days ' or weeks ' notice, we could have used the card and kept the account open. Now, our credit score will be negatively affected and there seems to be no remedy with Citibank other than to go through a review process which provides no assurance that they will reopen the long-standing account.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing the results of my dispute I am not confident that the bureaus investigation was accurate and complete in accordance with Metro 2 data field formatted reporting standard. Along with not being in accordance with FCRA 623. As well as multiple violations under 15 USC 1681 ( 15 U.S.C. 1681 Section 602, 15 U.S.C. 1681 Section 604 A Section 2, 15 U.S.C. 1681c. ( a ) ( 5 ), 15 U.S.C. 1681s-2 ( A ) ( 1 ) ). In accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights under the statutes listed above. 

The creditor has received payment for the accounts as a charged off and is now reporting my earned income. Please remove these accounts immediately as the information being reported is in accurate and violates my rights under the FCRA.
Product: Credit card or prepaid card

XXXX XXXX XXXX # XXXX In this case, Capital One has been victimized by " friendly fraud '' and wrongfully charged back payments. I urge capital one to research this customer and their policy in customers engaging in " friendly fraud '' disputes.
Product: Credit reporting or other personal consumer reports

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : 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
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

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




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 : It also states a consumer reporting agency can not furnish a 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

XX/XX/XXXX USAA began blocking my calls demanding I verify text or email codes I am unable to do while on phone due to my Disabiliry USAA provides NO ACCESS ON LINE AND BLOCK CALLS REQUIRING my deformed painful hands retrieve codes I am unable to do A pin # used to get me access NOW CALLING I HAVE NO ACCESS ALSO I AM VICTIM OF IDENITY THEFT THIS IS RETALIATION because I used to have phone access When I try to resolve Fraud from XXXX they block me. NO ON LINE ACCESS NO PHONE ACCESS
Product: Checking or savings account

I OPENED A MERCHANT DISPUTE WITH MY BANK WELLS FARGO UNDER THE CLAIM ID XXXX, FOR MERCHANDIZE NOT RECEIVED. 
I RECEIVED THE DOCUMENTATION FROM THE BANK REQUESTING TO SING AND FILL IT. 
I SEND IT TO THEM BY EMAIL ON XX/XX/XXXX  WITH ALL THE INFORMATION REQUESTED. 
A COUPLE OF WEEKS AGO THE PROVITIONAL CREDIT GIVEN WAS REVERSED AND I GET A NOTIFICATION FROM THE BANK THAT THE CLAIM WAS CLOSED AND DENIED BECAUSE I NEVER SENT THE INFORMATION REQUESTED. 
ATTACHED GOES AGAIN THE INFORMATION REQUESTED THAT WAS SENT TO THE BANK IN THE DATE GIVEN. NOW MY ACCOUNT IS OVERDRAWN AND COULD BE CLOSED DUE THE BANK ISSUE PLEASE PROCEED WITH THE MERCHAND DISPUTE THANKS
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$5900.00}, {$1700.00}, {$2300.00}, {$31000.00}, {$23000.00}, {$5900.00}, {$48000.00}, {$1300.00}, {$2200.00}, {$0.00}, {$5200.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX XXXX XXXXXXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5900.00} -This is not my account. 

2. XXXXXXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1700.00} -This is not my account. 

3. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2300.00} -This is not my account. 

4. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$31000.00} -This is not my account. 

5. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$23000.00} -This is not my account. 

6. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5900.00} -This is not my account. 

7. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$48000.00} -This is not my account. 

8. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1300.00} -This is not my account. 

9. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2200.00} -This is not my account. 

10. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- COLLECTION ACCOUNT 11. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5200.00} -This is not my account.
Product: Bank account or service

IRS had put a levy on my account and it was done by error on there part. now i 'm still hit wit the bank charges and the IRS rep said they would inform the bank not to.
Product: Credit reporting, credit repair services, or other personal consumer reports

I refer to the CONDITIONAL ACCEPTANCE, and XXXX XXXX XXXX  package dated on XX/XX/2019, Certified Mail Number:XXXX XXXX XXXX XXXX XXXX requesting original XXXX XXXX contract from XXXX XXXX , and XXXX XXXX XXXX. Please be advised that XXXX XXXX, and XXXX XXXX XXXX did not answer my requests point by point as required by law. XXXX XXXX, XXXX XXXX XXXX did not provide any proof to sufficiently satisfying there claim under U.C.C. - ARTICLE 3 -3-302 that you are a note holder in due course. XXXX XXXX, and XXXX XXXX XXXX did not stipulate whether or not you were the holder in due course. XXXX XXXX, XXXX XXXX XXXX did not stipulate whether this loan was securitized as required by law. Therefore, XXXX XXXX, and XXXX XXXX XXXX admits to the following : 1.  XXXX XXXX, and XXXX XXXX XXXX is not a real party of interest in this controversy. 2. XXXX XXXX, and XXXX XXXX XXXX are a debt collector and not the original creditor. 3. XXXX XXXX, and XXXX XXXX XXXX not having full and complete records of the alleged account. Thank you
Product: Checking or savings account

Had XXXX to pay rent, used the service to pay online for my rent and then get days later I got a letter from leasing office saying my payment was rejected and the account I am using is closed. It was Wells Fargo and I can't even access the account or anything
Product: Debt collection

XXXX XXXX XXXX # XXXX {$350.00} I have no knowledge of this account, i never applied for an apartment, my identity was compromised im asking for removal of account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Th

e Creditor failed to address the issue or even correct the problem. They are not following the Federal Emergency Guidelines laid out by the Cares Act. They need to remove my 2 late Payments on file as I was offered an accommodation to help me during the pandemic. The " Accommodation '' was the removal of my late payment fees. Section 4021 of the CARES Act amends the Fair Credit Report Act ( FCRA ) to address coronavirus-related accommodations made by furnishers. New FCRA 623 ( a ) ( 1 ) ( F ) requires a furnisher making a COVID-19 related accommodation on a consumers loan account to report the account as current unless the account was delinquent prior to the accommodation. 

On XX/XX/XXXX, the CFPB issued a policy statement highlighting furnishers responsibilities under CARES Act section 4021 and informing consumer reporting agencies ( CRAs ) and furnishers of the CFPBs flexible supervisory and enforcement approach regarding compliance with the FCRA. The CFPBs recent compliance guide seeks to clarify the information in the policy statement by addressing common issues concerning the provisions of Section 4021 :
Product: Credit reporting or other personal consumer reports

Someone has my personal credit information and applied for a loan though capital one on XX/XX/2024. I got notified though my credit karma app at XXXX am in the morning. The hard inquiry is showing on my credit karma app and my XXXX credit report. I did not apply for any new loans. There is also a new phone listed under my information that is not my phone number and never has been my phone number. The phone number listed is ( XXXX ) XXXX. I want the hard inquiry removed from my credit report.
Product: Checking or savings account

They were using my debit account and the bank decided to close it and not give me a bank account after 5 years
Product: Credit reporting or other personal consumer reports

I am submitting this formal complaint against Experian for failing to properly investigate and remove unauthorized inquiries from my credit report. Under the Fair Credit Reporting Act ( XXXX  ), XXXX XXXX. XXXX, a credit reporting agency is only permitted to disclose my credit report to entities that have a permissible purpose. In this case, Experian has allowed multiple unauthorized inquiries on my credit report without my consent. 
Upon discovering these unauthorized inquiries, I contacted the companies responsible for the inquiries, and they confirmed that they do not have an application or any documentation that would justify these inquiries. When I reached out to Experian to request the removal of these inquiries, they improperly advised me to contact the companies instead of conducting an appropriate investigation as required by law. 
Under XXXX XXXX. XXXX, Experian is required to investigate disputed information within XXXX  days and delete or correct any inaccurate or unverifiable information. Since the companies in question have no records or applications from me, these inquiries must be considered unauthorized and should be immediately removed from my credit report. 
XXXX failure to act violates the FCRA and negatively impacts my creditworthiness. Therefore, I am requesting the CFPB to intervene and ensure that Experian : Conducts a proper investigation into these unauthorized inquiries. 
Immediately removes any inquiries that can not be verified as authorized by me. 
Provides a written confirmation that these inquiries have been deleted. 
Ensures compliance with FCRA regulations to prevent similar violations in the future. 
Please find attached copies of my credit report highlighting the unauthorized inquiries, along with any relevant correspondence. I appreciate your prompt attention to this matter, as these inquiries are unjustly affecting my XXXX XXXX and financial standing.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone stole my identity and opened many accounts without my permission or authority.
Product: Credit reporting, credit repair services, or other personal consumer reports

Today I called TransUnion with a simple question. I and any other consumers know that the Fair Credit Reporting Act is a set of Federal Laws that regulate the information that's provided to and then reported by all three of the Credit Reporting Agencies ; Procedure in case of disputed accuracy [ 15 USC cc1681 i ] ( a ) Reinvestigation of Disputed Information ( 1 ) Reinvestigation required ( A ) In general. Subject to subsection ( f ), if the completeness or accuracy of any item of information contained in the consumers file at a consumer reporting agency is disputed by the consumer and consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of a 30-day period beginning on the date on which the agency receives the notice of the disputed from the consumer or reseller. 

With this specific understanding I called TransUnion and ultimately spoke with a Supervisor in their Special Handling Department, XXXX, at XXXX XXXX PST today, XX/XX/2018. The simple question being this ; How do you ( TU ) define the word Accurate? Explaining for XXXX that there are different words used in different Dictionaries to include ; XXXX XXXX XXXX XXXX, accurate ( kyr-t ) adj. 

1. Conforming exactly to fact ; errorless. 
2. Deviating only slightly or within acceptable limits from a standard. 
3. Capable of providing a correct reading or measurement : an accurate scale. 
4. Acting or performing with care and precision ; meticulous : an accurate proofreader. 

XXXX XXXX, Definition of accurate 1 : free from error especially as the result of care an accurate diagnosis 2 : conforming exactly to truth or to a standard : exact providing accurate color 3 : able to give an accurate result an accurate gauge Unfortunately, although there are different words to describe and define the word Accurate that can be found and/or used TransUnion doesn't seem to have ANY definition of the word to provide to the American Consumer when requested? 

Not only that but XXXX then repeatedly refused to provide me with any information whatsoever on where I might address this simple question to within TransUnion? Instead, he completely disregarded my question after his repeated refusals and simply kept asking me, " Is there anything else I can help you with ''? 

So, what option does an average consumer have when writing a " dispute '' to TransUnion when TU can't even tell what this one,  essential word actually means? 

" if the completeness or accuracy of any item of information contained in the consumers file at a consumer reporting agency is disputed by the consumer, '' If TransUnion can not even define this word, or is unwilling to share their " definition '' of the word Accuracy with the consumer of what actual, practical, enforcement value does the FCRA then have?
Product: Credit card

I had a fraudulent charge on my bloomingdales credit card XX/XX/XXXX. It took them until XXXX XXXX to resolve the charge. Throughout the investigation process I was getting late payments marked on my credit report as well as a charge off. They keep telling me it 's cleared on their end and my credit report should be updated, but it has not. I even have a letter from them confirming that everything was resolved. This is causing me financial harm as I am trying to get a mortgage. My credit score was above XXXX and now it 's around XXXX. Every single time I call them I get a different answer. One has told me it 's all cleared and it should update on my credit report. The next person will tell me they are waiting to get the account back from a collection agency so they can remove the charge off.
Product: Credit reporting, credit repair services, or other personal consumer reports

Incorrect Items. 

Hard Inquires that I did not authorize. I have reached out to different companies and Equifax have received no assistance. 

HARD INQUIRIES THAT ARE INCORRECT : EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX INCORRECT INFO : XXXX XXXX XXXX XXXX account XXXX XXXX is showing as account being closed but is actually open and active
Product: Checking or savings account

A check was written to XXXX ( XXXX XXXX XXXX XXXX XXXX  ) for {$30.00} on XX/XX/2018, placed in an envelope and put in our mailbox. Apparently the envelope was stolen from our mailbox and the check was modified with the payee of " XXXX XXXX XXXX '' and the amount was changed to {$3500.00}. The check was cashed on XX/XX/2018 against our XXXX XXXX XXXX ( XXXX ) checking account to a payee account at the Bank of America ( BOA ). The check image is attached. We filed a police report on XX/XX/2018 and submitted an affidavit ( attached ) documenting the fraud to XXXX. XXXX   filed a report to BOA on XX/XX/2018. BOA responded ( attached ) denying the claim on XX/XX/2018 claiming the signature was modified which it was not. We have been in contact with XXXX   several times concerning the matter. This matter has dragged on for over 4 months and I am in doubt whether we will ever see the funds despite assurances from XXXX.
Product: Credit card or prepaid card

In XXXX when I was charged a {$59.00} annual fee by Captial One they removed the fee and told me to call in every year to have the fee removed. This card is linked to a XXXX account and if I close it I will lose the 7 years of credit history. They removed the fee last year and told me to call in every year to have the fee removed. I called to have the fee removed and the customer representatives refused to do so. Captial One offers a {$0.00} annual fee account which I asked my account be switched to and was told they could not do so when I call last year. So following the advice of the reps last year here I am stuck with a {$59.00} fee that I should not have to pay.
Product: Credit reporting, credit repair services, or other personal consumer reports

My account is with XXXX XXXX. I mailed a payment by priority mail on XX/XX/XXXX. XXXX processed only {$190.00} of a {$310.00} payment on XX/XX/XXXX. I sent them proof of my payment five times via fax to customer service and their corporate headquarters. As of XX/XX/XXXX, they stay have not corrected my credit file and are reporting that I am delinquent when I am not. My credit score has been adversely affected and I was denied credit due to XXXX XXXX falsely reporting negative information.
Product: Student loan

Ameritech was supposed to be helping to get out of default with my student loans. I was paying the {$100.00} dollars per month and my income tax check was taken for XX/XX/2017. My income tax check was not supposed to be taken and they harassed me about making the monthly payments. Ameritech / XXXX XXXX  made my bank account overdrawn of which I had asked them not to go into my bank account because they were not helping me. I have emails to prove it. I was so upset. I do not have the money to pay my loan off and I was under the impression that I was not in default anymore due to Ameritech was supposed to be helping me. 

My first payment to them was for {$140.00}. XXXX in XX/XX/2017. The regular payments was {$100.00} per month. I was struggling to pay that amount. I want my money refunded and the amount of my income tax check and I had to pay XXXX XXXX {$100.00} dollars due to the check was taken and they would have taken their money out of my income tax refund check. I think Ameritech should give me back all of money. I am struggling to make ends meet and this happens to me when I am trying to pay student loan. My credit is destroyed when they reassured me my credit would be okay in a few months.
Product: Credit card or prepaid card

Around XX/XX/XXXX, I found a fraudulent charge on my bill, and they fixed the charge. Their plan was to cancel my old card and send me a new one. As part of the process of starting a new credit card, they texted me an access code. The problem is that I don't have a cell phone, and therefore can not receive text messages, which meant that I could not get a new card. I called their fraud department, and they asked me to send them a copy of my drivers license, which I consider to be inappropriate. What I want them to do is to add a variable to their database on whether or not the customer 's phone number is a cell phone number or not. If the customer 's phone number is not a cell phone, have them send a computer generated voice message with their access code to the customer 's phone, so that people without cell phones can get the company 's access codes without having to send copies of their drivers license. The federal government already does this, so I assume the company could do so also.
Product: Debt collection

In XXXX  my sister opened a XXXX XXXX XXXX  credit card with my social security number and now they are trying to garnish my wages. On the court docket it has her old address. I never lived there. Its a total of {$840.00}. I reported fraud on XXXX  XXXX & that I never lived at that address.