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

Capital One charged too much APR interest and never reported the good standing of the account until things went down hill and they reported the good and bad at same time. I had a XXXX XXXX in XXXX   and wasn't able to get in contact with them. When I checked they had put lots of late fees and put I used the credit over 100 % with the intention to hurt my credit more than the usual. I feel they want to defame my name to other creditors who can see my credit report and also feel they want to take control of my identity. I strong believe this bank broke the FCRA law in all kinds of ways. Pictures are attached for proof. Please help.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.
Product: Checking or savings account

I deposited a check for {$340.00}, hoping to use those funds for essential needs. However, shortly after the deposit, my account was flagged for fraud. The following day, I reached out to Bank of America to address the situation and logged into my account, but the troubles were far from over. 
When I attempted to use my new debit card, which you had just received on XX/XX/year>, I were met with disheartening news : the fraud alert still prevented any transactions. Despite not having used the card at all, my checking account had incurred an overdraft fee of {$17.00}. This added financial strain left you unable to access your funds or utilize my debit card. 
The impact of this situation has been profound. Without a working debit card, I found yourself stranded and unable to purchase necessary medication from the pharmacy. As of today, I remain without a debit card, facing ongoing challenges due to what appears to be a fault on Bank of America 's part. 
This experience has not only caused significant inconvenience but has also left you feeling vulnerable and unsupported during a time when access to funds is crucial.
Product: Mortgage

-Bank of America was the provider of my Home Equity Loan ( XXXX originated ). 
XXXX received a XXXX XXXX on my XXXX Mortgage in ( XXXX ). 
-Bank of America XXXX XXXX ) offered me a XXXX XXXX XXXX because I was eligible as a XXXX  XXXX  mortgage recipient. 

The XXXX loans offer " Pay for Success '' Incentives through US Treasury and HUD. 
The Incentives are for Loan holders that have made their payments on time. 

{$1000.00} Principal Reductions for each Year for XXXX  ( XXXX ) XXXX of Loan. 
and an additional {$5000.00}. Principal Reduction for timely payments at the end of the ( XXXX ) Year. Total Incentives are {$10000.00} Bank of America has not provided the Incentive Payments- Loan # XXXX XXXX XXXX XXXX is now the current Service Provider on this XXXX Equity Loan - Loan # XXXX
Product: Credit reporting or other personal consumer reports

My account with EQUIFAX XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. 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 USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

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 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


EQUIFAX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 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
Product: Credit card or prepaid card

On XX/XX/2022 I made a payment to the credit card Marcus Sachs of {$500.00}. My payment was XXXX the money order was cashed XX/XX/XXXX I called to make a report. Five times also on my credit score. They told me that my money order is in a different XXXX XXXX but it has the same name of the credit company.
Product: Vehicle loan or lease

In   XXXX   XXXX  , my then girlfriend and I obtained a car loan together in  XXXX , Oregon. We were notified the lender was NAFCO Finance. Because my then partner had horrible credit, I was needed to be the primary borrower, even though I did n't and do n't have a driver 's license. ( I have  XXXX  relating to a   XXXX   XXXX   and do n't  drive  ) The initial loan was obtained based on her ( ex-girlfriend, her hereafter ) income, housing, as well as my income. I made a  XXXX -dollar down payment about a week after obtaining the vehicle ( which was about a  XXXX  vehicle-since I am not supposed to be too specific ). Just after that, she ( my ex ) ended our relationship, demanded I move out, stole the extra set of keys, and filed what ultimately turned out to be a baseless civil stalking claim ( it was dismissed ). I am in another city, have never driven the car, have n't had access to it, and have n't paid one payment. I have repeatedly sought refinancing from  NAFCO  and her, to which NAFCO ignored the requests and she attempted to label me as a stalker. During the civil case ' hearing, it was introduced she no longer has the same job or income or housing ... so the entire bases for the loan dissolved days after the loan was approved.   She made a number of timely payments. I asked repeatedly for any way to remove my name from the loan, since I had no real interest in it or relation to it. There was no reasonable reason to not refinance it with her ... they had my consent, and she had made payments on time.   In   XXXX   XXXX  , she was over 10 days late in paying her payment, and this adversely impacted my credit.
Product: Credit reporting or other personal consumer reports

My information was shared during breach. I keep getting random emails, notifications, texts, calls about loans that I didnt apply for.
Product: Debt collection

On XXXX XXXX  of this year, I was served a Summons and Complaint from Schachter Portnoy, LLC, regarding a debt I owed their client, XXXX XXXX XXXX, XXXX. Prior to this, I received no communication, either via phone, or letter, that they purchased the debt from XXXX XXXX  ( formerly XXXX XXXX ).
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA XXXX ( 15 U.S.C. XXXX ) that you, the XXXX credit reporting agency XXXX block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX and a collections account opened at XXXX  XXXX XXXX on XX/XX/XXXX with a balance of {$460.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Debt collection

XXXX XXXX XXXX XXXX XX/XX/XXXX, disputed with a XXXX letter spring XX/XX/XXXXwas never sent any information on how the account was validated. Was sent a letter stating that they verified the information and wasnt going to remove it. Sent two request to validate verification process no resolution was given.
Product: Checking or savings account

On XX/XX/2023, USAA sent a letter from a fraudulent incident about 90 days before where individuals pretending to be USAA had transfered {$1200.00} out of my checking account through gift cards in an elaborate scheme pretending to be multiple government agencies. The same day I had called USAA back. They had confirmed that no such call had occurred and I had reported that there had been a theft from my checking account. A reversal of the amount was immediately put back into my checking account on the same day after I had given details of the hours long phone call. On Monday XX/XX/XXXX, {$750.00} was taken out of my checking account from the dispute department without my consent, violating their zero liability policy. I had filed the first complaint. On Tuesday XX/XX/XXXX a second complaint was filed with USAA demanding the return of the funds after they had pulled {$500.00} out of the account. The letter explaining this gave no explanation as to how they drew the conclusion that this was not theft. They claimed they had made a thorough investigation when no contact was made to me for my additional evidence and no contact was made to me in general about the fraud claim. Today, Wednesday, XX/XX/XXXX, I filed a third complaint and told USAA I demanded the return of the funds to the checking account. If they do not act quickly I said, a lawsuit will be filed against them to trigger arbitration. I alerted them that I would be contacting you and be filing a complaint up to and after the filing of the lawsuit on Tuesday XX/XX/XXXX if the funds are not returned. Tuesday XX/XX/XXXX a representative claimed it would take 24 hours to assign a new representative to reopen the investigation. But USAA has done no such thing. I let them know I am already in the US Court of Appeals for another incident and I am sure they would not have any problem with me adding another case.
Product: Credit reporting or other personal consumer reports

I am filing this complaint due to multiple violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) regarding the inaccurate and misleading reporting of a collection account from XXXX XXXX XXXX for an alleged debt originally from XXXX XXXX. 

Here are the specific violations that require correction or removal of this account : Impossible " Date Opened '' ( FCRA 609 Violation ) The collection account is reported with a future date ( XX/XX/XXXX ), which is impossible and a direct violation of the FCRA 's accuracy requirements. 
This false reporting is damaging my creditworthiness. 
Illegal Re-Aging of Debt ( FCRA 623 Violation ) The " Last Reported Date '' ( XX/XX/XXXX ) has been fraudulently updated to make the debt appear newer. 
Credit bureaus must not allow this illegal practice, and this account should be immediately deleted.

Charge-Off & Collection Conflict ( FDCPA 807 ( 2 ) ( A ) ) The account is both a charge-off and a collection, which is false and misleading.

A charge-off account can not be reported as a new collection, making this an illegal double-reporting violation. Misclassified Account Type ( FCRA 607 ( b ) ) The accou
nt is reported as an " Open Account '', even though it is a collection.

This inflates my credit utilization and misrepresents my debt obligations.

Failure to Validate Debt ( FDCPA 809 Violation ) The collection agency has failed to provide legal validation of this debt, including : A signed original contract An itemized breakdown of how the debt was calculated Proof that XXXX XXXX XXXX has the legal right to collect this debt If this can not be provided, this account must be deleted immediately under federal law.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report i was utterly shocked to learn that i have been a victim of identity theft i found numerous accounts on my credit report that were not opened by me. this has been hurting me as i am in the process and trying to buy a home for my family. 

Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX  XXXX Account number : XXXX Account name : XXXX  XXXX Account number : XXXX
Product: Prepaid card

I lost my debit card about XXXX years ago after nj XXXX switched vendors from XXXX XXXX XXXXXXXX to money network AFTER I had already used funds in that said account. Now that I have filed again and the state is paying me, I contacted the state. Nj XXXX provided the only phone number, which is the only phone number I can find anywhere to contact this specific department at Money Network XXXX, appearently located somwhere in XXXX Their XXXX does not allow me to speak to a representative to request a new debit card because it recognizes an account with a card that was not yet activated. It then says I need the card number but I cant provide the card number if i cant locate the card itself. I need a replacement card to access my XXXX funds. They are holding my money because I can't access my account or get a hold of a LIVE representative to request a new card. Horrible vendor NJ division of temp XXXX department chose to work with.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, you are required by law to remove & block items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, XXXX ( Original Creditor : ) XXXX Balance : {$68.00} ( Original Creditor : ) XXXX Balance : {$120.00} ( Original Creditor : ) XXXX Balance : {$77.00} ( Original Creditor : ) XXXX Balance : {$1600.00} 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

On XX/XX/2022, I sent in separate, notarized and certified letters ( enclosed with my proof of identity including a copy of social security card, and Driver 's License ) requesting that all hard inquiries be removed from my Credit Reports to XXXX, XXXX, and Transunion because I was unfamiliar with the inquiries and fraudulent activity was posted to my accounts. 

I have even called on several occasions confirming my identity confirming I was unfamiliar with the inquiries and that they were furnished without my knowledge and written consent to all 3 bureau 's.
Product: Debt collection

Case # XXXX with Coinbase.com On XXXX 2020 I made a deposit on Coinbase of {$250.00}, I forgot that they dont immediately receive funds and I spent money and didnt have enough to pay Coinbase when they tried to take the payment. This cause my account to go into recovery mode. In recovery mode I was told to make a payment or they would take the balance I had in my account. So I made the payment of {$250.00} when I had enough money. 

Once I made the payment my account was unlocked, but I had LOST {$250.00} from my balance so I payed a total of {$500.00} but only had {$250.00} available. I called customer support and there is no phone number so they only respond after you submit a ticket, I received generic answers A few days after which were very frustrating. I dont know what to do and this has happened before with a smaller amount which I need to track down, but Coinbase definitely owes me money. I need help.
Product: Credit reporting or other personal consumer reports

I want to file this please as my formal complaint to WELLS FARGO BANK CAR for allowing the fraudulent account on my credit report. I filed an FTC report with the identity theft report number XXXX. As I checked my credit report this fraudulent account is still reflected on my credit report. I was expecting that I can count on them to protect my information and to provide accurate credit reports.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, XXXX XXXX  XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts :
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive reached out to all three credit bureaus XXXX Equifax and XXXX XXXX Sending letters to request an inaccurate report be taken of my account. Its been over 30 days since I first letters and Ive received no response.
Product: Credit card

I received an email dated XX/XX/23 at XXXX XXXX to XXXX from XXXX XXXX XXXX XXXX stating that my current balance was {$100.00}. I called Best Buy XXXX to inquire what this charge was for. Answer was that if I didn't renew membership then this is a bogus email. I haven't renewed membership -- their agent says I'm not a member. the only charges are {$49.00} and {$170.00} and this is neither. I also received an email dated XX/XX/23 at XXXX XXXX from XXXX saying I have {$3800.00} available credit as of XX/XX/23. This is making me uncomfortable as I haven't used this credit card for months.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX, has 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 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Payday loan, title loan, personal loan, or advance loan

Optional products One Main tells the customer the insurances they pile on are optional they even go so far as to call them Optional products ). Now One Main has already found to have violated the Consumer Financial Protection Act of 2010 and had to pay millions of dollars for this exact kind of practice. Back to the point ; the Optional products are absolutely 100 percent not optional to the sales people. If you dont somehow persuade and pressure to get at least two to three optional products per loan you will get in a lot of trouble. Furthermore we had to stop everything we were doing before every loan to go over the optional products with the District manager in order to convince the borrowers to take these products. How are the products optional for the customers but not for the people selling the loan? This is a huge contradiction and one they never learned from years ago.
Product: Credit reporting or other personal consumer reports

An address is on my credit report is has no association to me.
Product: Credit card or prepaid card

On XX/XX/2023 made a refrigerator purchase using the Home Depot Credit Card using the deferred option plan- On or about XXXX XXXX- I made a payment for the entire amount of the purchase although it was made on a deferred payment option- On XX/XX/XXXX I cancelled the purchase - Home depot is refusing to put the credit back on my account although - The original purchase was made on a deferred payment option and the order was cancelled prior to the delivery date of XXXX- I requested them to apply my payment yo my credit card and they refused to issue my credit stating that they need to make sure that the order was cancelled which could take up to 30 days? Even if the order was not cancelled how can they hold my money without crediting my account for this payment- in addition since I made other charges my account balance reflects a payment due from those charges- without subtracting the credit balance- I spoke with a supervisor in the credit card department and he refused to issue the credit- XXXX at ( XXXX XXXX XXXX I believe this should also be a legal issue of a credit card company holding onto money without posting it to my credit card balance- I want a refund by the end of the week so that I can utilize my money for what I choose Order # XXXX Invoice # XXXX XXXXJob Name : XXXX | Order Origin : # XXXXXXXX XXXX Payment : ConsumerCreditCard - XXXX Order Total : {$2300.00} In-Store Purchase Completed XXXX XXXX Ordered XXXX XXXX Canceled XXXX XXXX
Product: Debt collection

The debt to XXXX referenced in my previous complaint ( XXXX ) has been sent to a collection agency by XXXX. As I explain in the details of that previous complaint, I do not owe XXXX any money. I repeat the text of that complaint below : I canceled XXXX XXXX service to my address in XX/XX/2018. I am unsure of the exact date, but I have an email from XXXX saying " Thanks for your recent call '' dated XX/XX/2018 and I believe that to be a response to my call to cancel service. I paid my last bill of {$54.00} on XX/XX/2018. Since then, XXXX has continued to send me bills first for {$54.00} and now for {$100.00}. I have made at least 3 calls to XXXX since XX/XX/XXXX to determine why they continue sending me bills. Each time, the representative assures me that 1 ) they are aware I canceled service in XX/XX/XXXX, 2 ) I do not owe them any money, and 3 ) they will make sure I stop receiving bills. But I continue to receive paper bills in the mail as well as telephone calls almost every day informing me of this " debt '' that I owe.
Product: Debt collection

Also calls before XXXX and after XXXX. Back to back phone calls from different numbers. Wo n't tell me who they are until I verify who I am.