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

Today XX/XX/2017, I received a call from a Capital One fraud investigator by the name of XXXX about a fraud claim that I filed months ago. He told me that an authorized user had made purchases on my account that the authorized user stated to me that they did not make. He told me that they initially help the merchant liable and that the merchant and disputed the claim. I was in a rush and I was not able to speak to him at the moment. He gave me his phone number to get in contact with him. I tried calling but have yet to hear back from him. Without giving me any details or discussing the real issue he told me that the charges will be back on my card. Those charges are not mine and that this investigator poorly handled my case and is not doing a thorough investigation but is merely trying to get my paperwork of his desk in favor of his superiors.
Product: Mortgage

Since XX/XX/XXXX, I have reached out to Specialized Loan Servicing ( SLS ), LLC due to their not payment of my property taxes timely and correctly. I received notification from my tax office that a XX/XX/XXXX semi-annual payment was made, however the XX/XX/XXXX semi-annual was not. Therefore, about half of my property tax remained unpaid. After phone call verifications with my tax department, I started notifying SLS on XX/XX/XXXX and, as of today, XX/XX/XXXX, the issue has not been resolved. I have made several phone calls to SLS during this time period and have spoken with Supervisors in the Tax department. Each call entails a massive amount of time on hold or on the call which I have had to make time to participate in. Each call I have been provided a different " story '' from their " notes '' regarding what the issue is and assurance that the concern has been escalated to the research department. Since the numerous phone calls have yet to rectify, I sent a fax with several items of documentation asking that this issue be resolved immediately. As of the moment of this writing, including the subsequent accrual of interest I should not be liable for, my tax bill remains unpaid in the amount of {$1500.00}. My parcel is flagged as part of the upcoming XXXX tax sale. A review of my SLS account since XX/XX/XXXX shows a tax disbursement from escrow, a refund of those tax disbursements back to my escrow account, and another tax disbursement from escrow as of XX/XX/XXXX. However, the tax department does not have a payment and my escrow balance on the account is missing the amount. I can not continue to deal with this stress. I have done everything within my power to assist with communicating this issue. There is no legitimate reason for my taxes to not have been paid correctly. I fear I will have to somehow figure out how to pay this on my own and that my money is being held hostage. I have anxiety over this situation, when it will be resolved, if I will lose money I don't have, and if there will be future issues with the payment of my property taxes from the escrow account. This has created an undue hardship on me. I have reviewed the XXXX XXXX XXXX  regarding this servicer and have found a XXXX  ' rating along with numerous similar complaints. I have lost confidence in any possibility that these are mistakes and instead believe this is purposeful action by Specialized Loan Servicing, LLC.
Product: Credit card or prepaid card

XXXX attempted to charge my card before asking for my authorization, due to an insurance claim. I received a email of a declined transaction ( Attached ) and I informed XXXX they could not charge my card due to the balance and the insurance company will pay the bill. Four days later the transaction went through on my card. I did not sign up for over the limit protection, I did not authorize XXXX or Capital one to charge my card. Now my credit score went down and I'm being charged {$1300.00} that I didn't agree to. Can I please get some help in this matter. Capital one is giving me the run around.
Product: Credit reporting 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. XXXX XXXX : # XXXX, XXXX  XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX : # XXXX XXXX, XXXX XXXX XXXX # XXXX 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 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: Credit reporting, credit repair services, or other personal consumer reports

I just have tried to change it in my credit report apps then get directed to TransUnion but won't let me login.
Product: Credit reporting or other personal consumer reports

Complaint Regarding Inaccurate Reporting on Credit Report To Whom It May Concern, I am writing to file a formal complaint regarding inaccurate information reported on my credit report by : 1. Bank of America ( XXXX XXXX XXXX XXXX, FL XXXX ) and XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, PA XXXX The information in question pertains to a charge-off that has been included on my credit report without legal basis. 

Despite the presence of this charge-off on my credit report, I have not received a 1099-C form for the associated debt. The absence of such documentation raises concerns about the legality of the reported charge-off.

The inclusion of this inaccurate information on my credit report is damaging to my financial standing and constitutes a violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681 ( e ) ( b ), which mandates that information reported to credit bureaus must be 100 % accurate.

I respectfully request that the Consumer Financial Protection Bureau investigate this matter promptly and take appropriate action to ensure the accuracy of my credit report. Specifically, I request the immediate removal of the inaccurate charge-off from my credit report and any necessary corrections to prevent future inaccuracies.

Please acknowledge receipt of this complaint and provide me with updates on the progress of the investigation. 

Thank you for your attention to this matter. 

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

Account Number - XXXX Caine and Weiner XXXX is in violation of multiple laws set by Congress under the FDCPA : 15 USC 1692 ( a ), 15 USC 1692b ( 2 ), 15 USC 1692b ( 4 ), 15 USC 1692b ( 5 ), 15 USC 1692c ( a ), 15 USC 1692c ( a ) ( 3 ), 15 USC 1692d ( 1 ), 15 USC 1692f ( 8 ), 15 USC 1692g ( b ) ; As the consumer I have a right to privacy and fairness.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX DOB XXXX ATTN : Consumer Relations Department XXXX   XXXX Trans Union Under section 611 ( b ) of the Fair Credit Reporting Act, I am requesting that the following consumer statement be inserted in my credit report exactly as I have written it : I dispute the fairness of the late payments being reported on the XXXX XXXX XXXX XXXX  account. These late payments are the fault of XXXX XXXX XXXX XXXX that habitually mails my monthly statement to me after the date payment is due if it bothers to mail me a statement at all. Because I do not receive my billing statement in time and sometimes not at all, I have had no choice but to make payment after the due date. For this reason, there are late pays associated with this account, and that is no fault of mine. 
Please send me an updated copy of my credit report once the above statement has been added to my credit report. Thank you very much.
Product: Credit reporting or other personal consumer reports

I am contacting whomever this matter concerns on behalf of myself, XXXX XXXX XXXX, a federally protected consumer. I am enforcing my rights according to 15 USC 1692g by asking your company to VALIDATE the alleged debt as well as send me evidence that I am obligated to pay this alleged debt. I am not refusing to pay the debt but rather asking your company to validate this debt as it is your lawful duty when asked by a consumer per 15 USC 1681 ( a ) ( 4 ). I am also making your company aware that invalidated information on my consumer report is defined as fraud under federal and state laws, and I will not hesitate to bring forth legal action if my rights continue to be violated under the FDCPA and FCRA. You have 30 days to validate this debt, and during this time all furnishing and collection activities must cease through all mediums, including my consumer report. If your company and/or office fails to respond within 30 days to validate this debt, it shall be deleted and removed from my credit file immediately. If adverse action is taken against me as a consumer, I will consult my legal counsel. Please be advised that according to 15 USC 1692g - Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing- ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumer 's written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. 


Thank you for your attention in this matter, By : XXXX, XXXX XXXX XXXX Without prejudice, All Natural Rights Reserved
Product: Checking or savings account

After XXXX unlawfully executed a withdrawal for a XXXX account after I had cancelled the application for {$210000.00}, Bank of America would not file a fraud report. They took the money out of my checking account which didn't have the money ( the money was in Savings ). So they executed a $ XXXX overdraft. Whereupon they have now blocked my access to online banking and prevented me from accessing any of my money. The overdraft in the checking also prevented my regular payments from going through. I am now without any cash at all and unable to pay my bills due to their fraudulent transaction.
Product: Mortgage

Select Portfolio Servicing ( SPS ), has been claiming we owe them over {$7000.00} in escrow and in inspection fees. They are incorrect. This dispute goes back to 2021, and we have been unable to resolve it. Please see attached documents for full explanation.
Product: Credit card or prepaid card

I applied for an apple credit card with Goldman Sachs Bank and was emailed an adverse action letter. I sent out two letters, and spoke to someone on the apple chat telling them the problem and how I felt like I was discriminated against due to my application and exercising my rights as a federally protected consumer and was told " discrimination does not work like that ''. I felt like the person I was chatting with was basically talking to me as if I didn't know the Law and my Consumer Rights. My credit was also ran twice which resulted in two inquiries and I only applied once.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've contacted XXXX directly as well as the credit bureau, my account is filed as closed through XXXX yet is reporting open on Experian. Also, I have proof of payments yet it's reporting that my payments were late which is completely false bc when I login to XXXX  it shows those months as paid. 

I've called XXXX and disputed it with the credit bureaus and I've been told for months that it'll be updated and it hasn't been. 

This is impacting my credit score very badly.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2020 U.S.P.S. Tracking # XXXX. 

Equifax To Whom It May Concern : Please be advised in my previous letter to you, dated XX/XX/2020, I provided sufficient information to you requesting you to block the reported information under the provisions of FCRA 605B, and it was NOT a dispute under the provisions of FCRA 611. Please be advised that Equifax, at this time and pursuant to section 605B ( c ) of the Fair Credit Reporting Act, is not blocking the information subject to the submitted Identity Theft Report and/or Police report provided to you as part of my dispute. Your lack of immediate response clearly violates my rights according to 605B. I reiterate my requirement from the XX/XX/2020 letter and demand that you take appropriate action to immediately block this information from my credit report. XXXX  has deleted the reported information, and blocked the reporting of these from my current report. XXXX XXXX Account # XXXX XXXX  XXXX Account # XXXX XXXX  XXXX Account # XXXX XXXX XXXX .Agencies must block identity-theft-related information. XXXX adds a new section, 605B, to the FCRA that requires agencies to block identity-theft related information within 4 days of receiving specified information : proof of the consumers identity, a copy of an identity theft report, the consumers identification of the fraudulent information, and the consumers statement that the information does not relate to any transaction by the consumer. The agency must also notify the furnisher of the block, and Furnishers must implement procedures to prevent them from re-furnishing such information ( to anyone, apparently, not just the notifying agency ) 15 U.S.C. 1681c-2 ( a ). Since you have failed to comply with FCRA requirements by not blocking thisinformation within 4 days from the letter date to you, I have filed this complaint with the CFPB for your failure to comply with XXXX  regulations. The law is very clear as to the Civil liability and the remedy available to me if you fail to comply with Federal Law. I am a litigious consumer and fully intend to turn this matter over to an attorney for review and possible legal action. I appreciate your prompt attention to this matter Sincere regards, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out that you are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that needs to be removed in my file : 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: Checking or savings account

I am filing this complaint against USAA Federal Savings Bank for improperly returning a payment to my mortgage company, resulting in significant financial damages and harm to my credit.

ACH payment was initiated from my USAA account to my mortgage company. Despite having sufficient funds available, USAA erroneously returned this payment. I was not notified of this issue until after XX/XX/2022, when my mortgage company sent me a notice. 

On XX/XX/2022, at XXXX XXXX, I contacted USAA about this incorrectly returned payment. The USAA agent acknowledged that funds were available in my account at the time of presentment to the payee, confirming the bank 's error in not honoring the payment. While USAA reversed their {$29.00} NSF fee, they refused to compensate me for the additional charges imposed by my mortgage company as a result of their error.

This error by USAA resulted in the following damages : 1. A {$29.00} returned payment fee from my mortgage company 2. A {$120.00} late fee from my mortgage company 3. My mortgage being reported as 30 days late to credit bureaus, causing a significant drop in my credit score 4. Expenses incurred for credit restoration services to address the credit score drop 5. Denial of credit applications due to the lowered credit score 6. Potential long-term impacts on my creditworthiness and financial opportunities USAA 's actions appear to violate the Electronic Fund Transfer Act ( EFTA ) and Regulation E, which require financial institutions to conduct prompt and reasonable investigations of reported errors [ 1 ]. Additionally, USAA 's failure to properly process my payment may constitute an unfair practice under the Consumer Financial Protection Act [ 1 ].

I ask the CFPB to investigate this matter and ensure USAA complies with all applicable laws and regulations, including the EFTA, Regulation E, and the Consumer Financial Protection Act. I also request any additional compensation or remedies to which I may be entitled under these or other relevant laws.

Citations : [ 1 ] https : //www.consumerfinance.gov/about-us/newsroom/consumer-financial-protection-bureau-settles-usaa-federal-savings-bank/ 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: Checking or savings account

I opened a 3 month Certificate of Deposit account with Citibank on XX/XX/XXXX. The account matured on XX/XX/XXXX, and I closed the account on XX/XX/XXXX. I was told that the check ( which amounted to over {$50000.00} ) would arrive in 7-10 business days. After XXXX business days passed on XX/XX/XXXX and I hadn't received the check, I called their customer service line and was told that the check should actually take up to 20 business days. I then waited until that time period passed, and the check still hadn't arrived. I called again and was told that the account closure had been done incorrectly as a checking account instead of a CD, so that had to be resubmitted. The new estimated date for check arrival told to me was XXXX. In order to ensure the check was delivered, I was told to expect a phone call from XXXX between XXXX so that the postal service could confirm that I would be home to sign for the check. After not hearing from XXXX on XX/XX/XXXX, I called Citibank back to ask about the status of the check/whether or not it had been shipped, since it presumably only had the next day to arrive. I spoke with another customer service representative who said that the check was still held up in the " back office '' and that they could not provide any more information. I was advised to call back on XX/XX/XXXX to be provided a tracking number from the XXXX. I called back on XX/XX/XXXX and was told that Citibank/the " back office '' does not provide tracking numbers for checks ; they only do that for credit cards. The withdrawal form was also still filled out incorrectly, so this new customer representative assured me she had made the corrctions and submitted it again. Additionally, they were unable to tell me when I could expect the check. The only information I could be provided was that the check had been reisssued, that they would contact the " back office '' again to get an update, and that I would receive an email update within 24 hours. If I didn't receive an email within 24 hours, I should call them back to figure out what was going on. Throughout this entire process, I had been asking for a tracking number, for expediting shipping, or any way to ensure that my money could be delivered in a timely manner. I was ultimately told that these were not possible. Additionally, I asked to speak with a supervisor or manager ( or someone who could answer my questions about how things were filed incorrectly ) and was denied that everytime. I also asked if there was a place I could file a complaint, and the last customer representative said that she was the person do to that and would be doing so, although I never received confirmation. At this point, I'm not sure if I will ever receive the XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022, a collection appeared on my credit report in the amount of XXXX. I disputed this account and asked experian to do a full investigation into this matter and to have this account removed which caused damage to credit score. In accordance with the Fair Credit Reporting Act 15 USC 1681:602 everything on my credit report must be thoroughly check, which it wasn't. Also, 15 USC 1681 sec 604 states that I as a consumer have the right to privacy of my information, therefore my rights have been violated, and this is grounds for removal on ny credit report of the account mentioned above,
Product: Credit card

My issue is found with XXXX XXXX, a subside of XXXX XXXX and a wrongful attempt at collecting a debt that I am not responsible for. Firstly, the work was unfinished and shoddy but the largest issue is in the amount pursued being placed on a credit card that was never received. I could not approve the amount of the final transaction due to my inability to sign off on the card itself. It was ran without my approval resulting in fraud and a sizable amount of damage to my credit history.
Product: Credit reporting or other personal consumer reports

I am stressed and displeased that I see so many fraudulent accounts on my credit report. 
This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in a Experian & XXXX breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected.This is a defamation to my character and this is a federal law violation. 
According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. 
Also it is illegal these companies should NOT be furnisher people 's information to XXXX party companies so this is illegal, neglect and fraud. I have already reported this to the local police department and Federal Trade Commission. These companies and the credit bureaus can be can get sued for these damages. This is negatively effecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items aren't removed immediately