23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I recently received a copy of my ( XXXX, Equifax or XXXX ) credit report, and I noticed some late payments posted on my credit report : [ XXXX XXXXXXXX : XXXX XXXXXXXX XXXX XXXX ENDING IN XXXX Your company is clearly in violation of the law. 

Under 15 U.S. Code 1681a Definition ; rules of construction 15 U.S. Code 1681s-2 Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of Information to provide accurate Information Prohibition ( A ) Reporting Information with actual knowledge of errors, THE LAW CLEARLY STATES IN 15 U.S. C 1681a 2 ( A ) ( i ) ( 1 ) In general.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title. 

( 2 ) Exclusions. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Please change the above late payments to paid as agreed on my consumer report ; this agency is in violation of 15 USC Failure to respond satisfactorily with changes of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will be seeking {$1000.00} per violation for : 5. Defamation of Character ( per se ) 6. Negligent Enablement of Identity Fraud 7. Fair Debt Collectors Practices Act 15 USC 1692g violations 8. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]
Product: Checking or savings account

In short, I'd opened a Capital One 360 savings account this past XXXX ( XXXX ) primarily due to a promotion offering a {$100.00} bonus for each {$10000.00} deposited for at least ninety days ( " NEW500 ''  promotion, and the maximum was a {$500.00} bonus ). Capital One 's T & C 's included a caveat that the offer was not valid if you had a previous savings product with Capital One. I'd been a long-term credit card customer of Capital One and enjoyed dealing with them, so I opened an account with {$50000.00} and expected the bonus to be credited by early-XXXX. 

When I'd not seen the credit posted by mid-XXXX I contacted them by phone. They informed me that we had been disqualified for the promotion as we had a previous online account with Capital One ... with a {$0.00} balance : - That account had long ago been forgotten by us ; - Capital One stated there had not been any activity on it since at least XXXX, and that they had not sent any statements in that time ; - I'd argue this meets the definition of a dormant account, and one in which it is incumbent on the institution to attempt owner contact ( ref 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 ). 

I know ( and respect ) that Capital One 's systems are technically sophisticated and instantly provide the information I want, when I want it. But, that sophistication is double-edged ... I believe it is reasonable to expect that a large institution such as Capital One, that has the data, could have used that data to flag a bonus compliance issue as described \at the time of application// ... and ultimately give me the opportunity to stop the application before going forward ... if it was going to deny the promotion. 

As a retired XXXX customer service manager, I know that sometimes businesses make unwise decisions. And one way you  keep customers loyal is resolving problems that occasionally arise, especially the XXXX cent variety!! I'd like to believe that given the facts, an empowered Capital One manager would see this from the customer perspective, and use their judgement to fulfill the promotion as applied for.

I'd be more than happy to discuss this matter further in an attempt to see Capital One 'turn sour grapes into wine '! Can you assist by providing the necessary visibility to your contact ( s ) at Capital One??
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. 

Account Name : XXXXXXXX XXXX Account XXXX Account Name : XXXX  XXXX Account XXXX Account Name : XXXX  Account XXXX Account Name : XXXX Account XXXX has violated my rights. Or a list of inquiries : 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 attempted to get a car loan and there was a lot of hard inquiries.I filed with identity theft.gov. 

FTC Report Number : XXXX I am a victim of Identity theft. This is my official statement about the crime. 

Contact Information First Name : XXXX Middle Name : XXXX Last Name : XXXX Address : XXXX XXXX XXXX XXXX XXXX, CA XXXX USA Phone : XXXX Email : XXXX Personal Statement 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 Accounts Affected by the XXXX XXXX XXXX XXXX XXXX or Organization : Date fraud began : Date that I discovered it : Total fraudulent amount : {$0.00} Fraudulent Information on Credit Reports Accounts or Charges Yes, fraudulent accounts or charges appear on my credit report Credit Inquiries XXXX XXXX XXXX XXXX XXXX XXXX Genesis Under penalty of perjury, I declare this information is true and correct to the best of my knowledge.

I understand that knowingly making any false statements to the government may violate federal, state, or local criminal statutes, and may result in a fine, imprisonment, or both. 

XXXX XXXX XX/XX/2022 Date Use this form to prove to businesses and credit bureaus that you have submitted an FTC Identity Theft Report to law enforcement. Some businesses might request that you also file a report with your local police.
Product: Credit reporting, credit repair services, or other personal consumer reports

In According with The Fair Credit Reporting Act XXXX XXXX account XXXX ; XXXX XXXX account XXXX ; XXXX XXXX account XXXX  have violated my rights 15 U.S.C 1681 Section 602 A. states I have a 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 written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

Caliber Home Loans, continues to report outdated, derogatory remarks to my XXXX  Credit Bureau, in spite of several disputes regarding inaccuracy. They remarks state " BANKRUPTCY DISMISSED ''. I do not currently have a bankruptcy reporting on any of my credit reports. 
I disputed the remarks twice with XXXX  Credit Bureau on XXXX and on XX/XX/20. Received a response from XXXX  on XXXX and on XX/XX/20 stating " account has been verified ''. 

Additionally, Caliber Home Loans FAILED to mark this account as " DISPUTED BY CONSUMER '' upon receiving my dispute within 30 day time frame of dispute. 

I also spoke with a Caliber Home Loan representative, XXXX id # XXXX, by phone on XX/XX/20, who stated the account is reporting accurately and that there was nothing they could do. 

This inaccurate/derogatory information continues to negatively affect me financially and emotionally.
Product: Credit reporting or other personal consumer reports

I had contacted Radius Global Solutions ( the owner of my debt ) and agreed to a settlement. Settlement was fully paid on XX/XX/XXXX. XXXX is still reporting a balance of ~ {$1100.00} on my account. I filed a dispute via XXXX have the balance corrected. On my credit report ran on XX/XX/XXXX it still stated I had the balance. I submitted a dispute same day, and they verified the balance as accurate. I would like this debt removed as I am no longer responsible for the debt, the settlement payments had been updated for the balance went from ~ {$1800.00} to ~ {$1100.00} after I had paid {$750.00} to settle it.
Product: Credit card or prepaid card

I am writing in reference to a Citibanks credit card ( Citicards ). There was a fraudulent charge made in the predecessor card ending in XXXX which was closed upon my call to report this charge. My card was used fraudulently in XXXX. The charge disputed is : Merchant : XXXX XXXX Amount : {$10000.00} ( Euros XXXX ) Date : XX/XX/2018 After calling Citicards numerous times over several months after I discovered the charge and asking to reach out to the merchant and request proof that I made the charge, my case was denied and closed. My credit card was later on closed as well. Citicards claims they reached to the merchant, but never provided any details of that, nor a clear explanation of what information they received from the merchant. 

I reached to the merchant and was provided with a sales invoice showing the charge disputed. The invoice apparently was issued in connection with a purchase in XXXX at an auction house made by an individual with an address in XXXX, who I dont know. The merchant also indicated they typically ask for identification before allowing individuals to participate on their auctions, but I was not provided with any other information or identification that may be in their possession. As such, the merchant must have verified the identity of this individual, which clearly shows it was not me who originated the charge. 

In light of the above, I request that you get involved and ask them to credit back the amount fraudulently charged to my credit card. Please feel free to reach out to me with any questions. 

Regards, XXXX XXXX
Product: Credit reporting or other personal consumer reports

There are plenty of incidences of noncompliance with mandated reporting criteria, thus the data in my report isn't accurate and comprehensive! Having stated that, I refute your claims and challenge you to show me that you have the authority to release this inaccurate, misleading information to my credit report. 
15 U.S.C. Section 1681e states that " a consumer reporting agency shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates whenever it prepares a consumer report. '' According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. 
Furnish information about accounts or other relationships with a consumer that is accurate. 
C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards. 

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 
You're violating on my rights! In this document, I've outlined my worries regarding your reporting. You must certify that all required FCRA/Metro 2 compliance is done truthfully, correctly ( in a timely manner ), completely, and accurately as well. If you don't, I will have to escalate these concerns to the CFPB, FTC, and my Attorney General. It's incomplete and doesn't meet my standards as required by law. 
XXXX XXXX XXXX Late Payment {$590.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Collection {$1000.00}
Product: Credit reporting or other personal consumer reports

Subject : Follow-Up Consumer Opt-Out Dispute - Urgent Action Required- CITICARDS CBNA Account Number CITI CARDS Account number ending in : XXXX OPT-OUT MAIL TRACKING NUMBER : XXXX XXXX XXXX XXXX XXXX XXXX. Dear Consumer Financial Protection Bureau, I am writing to follow up on a letter dated XX/XX/2023, in which I formally opted out of any and all authorizations, whether written or unwritten, verbal or non-verbal, that I may have given to CITICARDS CBNA. This request is made in accordance with my rights as a Federally protected consumer under 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information. Regrettably, CITICARDS CBNA has chosen to ignore my initial opt-out letter entirely, and my consumer information continues to be furnished without my consent. This persistent violation of my rights under the FCRA is unacceptable. I am now submitting a formal dispute with the following requests : 1. **Immediate Removal of Furnished Information : ** I request that CITICARDS CBNA ] takes immediate action to remove any and all information pertaining to my consumer report. This is in line with my explicit opt-out directive, which covers both written and unwritten, verbal and non-verbal authorizations, as per 15 U.S. Code 6802. 2. **Compensatory Damages : ** In the event that CITICARDS CBNA willfully continues non-compliance with 15 U.S. Code 6802 by failing to honor my opt-out request, I reserve the right to seek compensatory damages. I request that CITICARDS CBNA pays a minimum of {$1000.00} for every offense of willful non-compliance. This dispute is filed with the expectation that the Consumer Financial Protection Bureau will investigate this matter promptly and take appropriate action to ensure CITICARDS CBNA complies with federal regulations. I appreciate your immediate attention to this matter and request confirmation of receipt of this dispute. I trust that the Consumer Financial Protection Bureau will take swift action to rectify this situation and enforce the necessary corrections. Sincerely, XXXX XXXX
Product: Checking or savings account

I am writing to file a complaint against Navy Fedeal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issues aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions with transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Debt collection

I applied for XXXX  through an office in XXXX New York. That office called XXXX XXXX. I told that office that I need to switch the service provider for my house from XXXX XXXX XXXX XXXXXXXX XXXX. XXXX agency gave me their email address which is : XXXX. Correspondence attached. I also sent XXXX a fax that National grid was able to take over the service. XXXX sent social services XXXX the application and XXXX granted me an amount of {$720.00}. XXXX sent the grant to XXXX XXXX instead of XXXX XXXX. I also called XXXX that advised to call XXXX XXXX to send the check back to XXXX. Please see my email attached of my correspondence with long energy. I also spoke with XXXX XXXX to advise regarding the situation. Yet, XXXX XXXX kept sending the debt to different collection agencies. I contacted XXXX, one of the debt collection agencies XXXX XXXX sent the debt to, by phone and by email as attached that promised to remove the debt. I only knew that the debt is still on through Transworld Systems debt collection agency when I found it on XXXX XXXX. I did not receive a copy for the debt from that collection agency. I did not even know the account number as I tried to ask Transworld Systems for the account number but I was not given that. I sent a fax with the attached records to Transworld Systems.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX  The information listed below, which appears on my credit report, is the result of that XXXX 

XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXX/XX/year>
Product: Checking or savings account

I attempted to close the account on XX/XX/21 which was the date they are to post interest for the prior month. They would not include the interest for XXXX when I asked for it to be closed at the end of the day. I could not schedule the closure for XX/XX/21. I had to come back to close the account the next day. 
I closed the account as they have severe limits and additional charges on being able to transfer funds. The closing process has tied up my funds for an additional 12-15 days befor I can get a check and I must then must go through the delays of waiting for the check to deposit and clear at my new bank. This is clearly a practice to gain the maximum float on my money by Citi. 
Due to their restrictions of $ XXXX per day XXXX $ XXXX per month, I could not do this reasonably paying for a wire transfer fees of {$25.00} per transfer. Dealing with Citi gains no acknowledgement of their deceptive and predatory procedures. There needs to be public warnings on their processes.
Product: Debt collection

I have received notice of debt owed by a company called source receivables management in the amount of {$5300.00}, from an XXXX card ( XXXX bank ). 6 months ago, as my health was fading I reached out to XXXX online in regards to me being 100 % XXXX and requesting hardship or help in some way. I was ignored and the debt was sold. In the terms of the card, it states there are remedies if you become XXXX but I guess it doesn't apply to XXXX. The balance just goes up and the debt is sold. Why was my request ignored and why does the balance continue to grow? This is shameful, I am a 100 % disabled/housebound Veteran.
Product: Checking or savings account

Today is XX/XX/. We are a small business customer of Bank Of America. On XX/XX/ we made an ATM deposit of {$14000.00} at a Bank Of America XXXX ATM in XXXX. This deposit included XXXX seperate checks made out to our business. The ATM kept the checks and did not give a receipt with the credit information. After reviewing our account with the Bank Of America online banking app, we confirmed the amount did not show as pending. The ATM did not function properly. I went into the branch the next business day, XX/XX/XXXXand explained the issue to the branch XXXX. She was very helpful and actually was able to retrieve the checks on XX/XX/ and made copies for me and sent the originals to Bank of America clearing that evening. The clearing center has had these checks now for 8 days and still has not credited our account. Multiple phone calls and visits to the branch have not been productive. This bank error has been a hardship to us since we can not pay suppliers or submit the mortgage payment that was due on XX/XX/XXXX. This was solely Bank Of America 's error and they are not trying to correct this with any urgency. They are saying we may see the credit on XX/XX/... 17 days after making the deposit!! this in not acceptable!
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report and saw several inaccuracies. I disputed the inaccuracies and have yet to receive results from Experian. I disputed on XX/XX/19 where experian came back and said the account remains. I also disputed on XX/XX/19, XX/XX/19, and XX/XX/19. The bureau is reporting that an XXXX XXXX account that has been included in a bankruptcy. I have let them know I NEVER filed bankruptcy. I have even mailed the clerk of court to ask why they would provide that information the credit bureau if that is not true. They returned a letter stating they do not furnish any information to credit bureaus. That letter is attached with this complaint. Experian refuses to remove this inaccurate account from my credit report even though they have not provided and legal documents or any valid reason why the account remains. I have requested a thorough investigation several times so that they can see they are reporting the information they are reporting is WRONG. Under 15 U.S.C. Sec. 1681i ( a ), you must complete this re investigation within 30 days of receipt of a letter. There is no way they did an investigation and the account still remains with no explanation. They are not adhering to the FCRA by reporting this inaccurate information.
Product: Credit reporting or other personal consumer reports

I sent letters off on XX/XX/2023. To remove personal information that I don't want on my credit report. According to the fair credit act 12 USC 1681. I have the right to privacy. 

Wrong employees 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 Also according to 15 USC 6802. No financial institution is not suppose to share my information to third party people. 

These are clear violations of my federally protected consumer rights.
Product: Mortgage

I began to manage my parent 's expenses in XX/XX/XXXX. Due to both my parents becoming Ill then passing away within 2 months of one another. My Parent 's had file a bankruptcy approx. 5 years prior to their passing. their Mortgage loan servicing company Select Portfolio Serving, had refused to discuss the account with me every time I called, they were happy to take the mortgage payments however even after sending requested certificate 's and probate award documents still refused specifics about the account. after sending probate award documents they then asked for an affiv showing myself to be administrator or executer of the estate, well the probate documents stated all the information they asked for. so my attorney draft an affiv that I had notarized and faxed to SPS, however now when I call they tell me I need to speak to the bankruptcy dept. and calling three times in one day is excessive. with the same out no one is available to take my call. someone is always avail to take the mortgage payments, for a year I have been denied information on this account. so in the process of refinancing my lender remarked that if their dedt was discharged it may be dissolved. I feel as thought I have been taken advantage of, and my rights have been violated by this company.