23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I've consistently made payments on time for this account, and it's causing me immense stress to see an incorrect late payment entry. I've never faltered in my commitment to timely payments. The impact of this error on my XXXX well-being is significant, affecting my sleep and peace of mind. I respectfully ask for an immediate correction to my account and hope you understand the urgency of this situation.
Product: Debt collection

Back in XXXX of 2017 I was in an auto accident and went to The ER and recieved a bill for XXXX Dollars. This was paid back in XXXX, to this date Online service in XXXX says they have removed this from my reports nor has the balance showed XXXX when it has been paid. I feel this should be removed as it was not my fault and was delayed by the insurance company being paid. No one seems to help me. I have talked to several people today I have talked to a lady by the name of XXXX. She said it was paid and she sees where it has been removed but it is still on there. XXXX filed a dispute on my behalf and Online services reported that it was legit and should stay on my report. Online services XXXX XXXX XXXX XXXX NC XXXX. Telephone # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus are allowing the below actions from XXXX XXXX XXXX to take place illegally and in violation of Section 809 ( b ) FDCPA and section 609 FCRA. 

The below collection agency has failed to provide a copy of any alleged contract or other instrument bearing my signature after being requested to validate. They have an incorrect address and also have fell to comply by sending such document to prove validation then XXXX XXXX XXXX continued collection activities on my accounts in violation of section 809 ( b ) FDCPA.

Section 809 ( b ) of the FDCPA requires a debt collector, upon receipt of a written debt validation request from a consumer, to cease collection of the debt until IT obtains verification of the debt and mails it to the consumer. Debt collectors forwarded consumer debt validation requests to the relevant clients, who mailed responses directly to consumers and the debt collectors then continued collection activities on accounts in violation of section 809 ( b ) of the FDCPA.. 

XXXX XXXX XXXX Last reported XX/XX/XXXX {$80.00} Open balance XXXX XXXX XXXX Original creditor XXXX Opened XX/XX/XXXX ( XXXX XXXX ) Account status Open Type -- Responsibility Individual Remarks Placed for collection Original creditor name XXXX XXXX XXXX
Product: Credit card

They closed my card randomly on XX/XX/year> due to risk when my account was paid, current, and recently added an authorized user. I tried making a XXXX grocery purchase and it kept getting declined. after 4 transfers and an hour on hold while in the store, i was notified it was just being closed. All purchases made on the account was made by me. I paid my bill in full. I got gas a few days prior. but all of a sudden they closed it?
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a complaint to XXXX XXXX on XX/XX/XXXX. 
I followed up with a phone call on XX/XX/XXXX to attempt to speak to someone regarding late fees due to COVID and improper management of my account. I spoke with someone and they could not access my account or even find t with providing the account number. I was placed on hold and then forwarded to " a specialist '' who said that the persons screen froze and they could not seem to locate me or my account ( even with providing the account number ) I was then told to hold on as I was being re-routed to the proper department where I was on hold for 35 minutes - NO ONE PICKED UP THE PHONE. At this point it is clear that XXXX XXXX does not have interest in addressing the COVID late fees associated with my account. They can simply be waived and my credit score can then go up so I may purchase another vehicle. 
I am the co-signer XXXX XXXX, a veteran of the XXXX XXXX and XXXX XXXX XXXX XXXX. 
The account number is XXXX, XXXX XXXX XXXX. The account is current.
Product: Credit card or prepaid card

I applied additional cards on XX/XX/XXXX for my two American Express credit cards, Everyday and Platinum, because they sent me an offer which would give XXXX and XXXX membership reward points for each Everyday and Platinum additional card, respectively, after reaching certain spending requirements. I applied four additional cards for each account and would expect to receive XXXX and XXXX XXXX XXXX. 
However, one month after my additional cards all reached their spending requirements, today I found all additional cards were cancelled. I also updated necessary information on XX/XX/XXXX per their request. 
They just kept asking me to call them but no one really tried to solve the problem.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

And according to 15 USC 1681s-2 they are suppose to 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 card or prepaid card

HSBC Platinum Mastercard XXXX So someone used my card to purchase 3 charges that were placed onto my account XX/XX/2018 XXXX XXXX XXXX XXXX XXXX More info Select to Expand XXXX XX/XX/2018 XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX More info Select to Expand XXXX XX/XX/2018 XXXX XXXXXX/XX/XXXX XXXX XXXX More info Select to Expand XXXX they refuse to take this as fraud saying i need to file a police report, I filed one in XXXX and sent them the details, no response calling them XXXX XXXX in investigations no response than at the end of XXXX finally got hold of XXXX XXXX in far as investigations, says she needs the police officer handling the claim so I gave her the info. I had to refile the report since it was done online. I received no response from that date to now. I even sent letter to CEO office who sent me a letter back saying i need to handle the claim through officer XXXX, so confusing. They wanted the police to pull the video. I spoke top officer XXXX and he says that its difficult now to pull video and that he has nothing to do with it although he will look more into it. I never made these charges protected by Billing Rights and I seem to get the runaround they have placed the charges as owing on credit report and their statement when it is far from resolved. I never made these charges and I should not be suffering still after 6 months. It is not matter for to be directed to police, HSBC should resolve. This is the letter received by HSBC Dear XXXX, Your email addressed to XXXX XXXX about your fraud claim was referred to my attention. I appreciate the opportunity to provide clarification. 

The transactions listed in your fraud claim were determined to be authorized and your fraud claim was declined. Attached are the documents we received from each of the merchants. 

If you have any questions or concerns, please contact Sargent XXXX of the XXXX Police Department at XXXX. 

Yours sincerely, XXXX XXXX XXXX Vice President Head of Customer Relations XXXX XX/XX/2018, XXXX XXXX   ( 7 days ago ) to me Dear XXXX, Again, we refer you to Sargent XXXX of the XXXX Police Department with any questions about this claim. That said, HSBC respectfully declines to comment further on the matter. 

Sincerely, XXXX XXXX XXXX Assistant Vice President Customer Relations
Product: Credit reporting or other personal consumer reports

I am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this request. 

Charge Off XXXX XXXX - XXXX - {$14000.00} XXXX XXXX - XXXX - {$5200.00} XXXX XXXX XXXX - XXXX - {$410.00} XXXX - XXXX XXXX {$0.00} XXXX  - XXXX - {$0.00} Late Payment XXXX XXXX XXXX - XXXX - {$1100.00} CXXXX XXXXXXXX - XXXX - {$2700.00} XXXX - XXXX - {$500.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

The following items continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these items must be verified ( A ). I will bring legal action against you if you do not verify these items. To help this situation be settled as quickly as possible, kindly uphold the law. 
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 XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  - XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Payday loan, title loan, or personal loan

My husband and I opened a Home Equity loan with Chase bank. We do have a valid balance, which I have been paying on time. I have even been making additional payments each month to expedite clearing the balance. However, when I logged into my accounts on Friday, XX/XX/2021 I noticed a withdrawal of {$20000.00} against this account. This is not a valid transaction made by my husband or myself. I immediately called Chase bank and logged a fraudulent claim. The claim # is XXXX. I called back later that day to Chase to tell them my XXXX report show this occurred at XXXX XXXX XXXX XXXX LA. XXXX XXXX shows this to be basically in the middle of nowhere. They did not seem interested. Neither my husband nor myself have left Wisconsin in the past two months. Today, XX/XX/2021 I received notification that my claim is denied, simply stating that the transaction is valid and we owe the money. I have sent an email requesting the details of this transaction and proof that it was executed by myself or my husband. The response is pending. I have just learned that I should have filed a police report and logged a complaint here, as well as with the Attorney General so am taking those steps. I have also requested this account be locked so no further transactions can be made against this account.
Product: Credit reporting or other personal consumer reports

There is one inquiry on my credit report that I did not authorize. However I felt it wise to send a letter, opting out of any and all consent to this company in the following attachment. 
As a result, Experian needs to remove this inquiry in the following attachments from my credit report immediately.
Product: Checking or savings account

Community bank website constantly declines log in or password, so I have no access to my account and funds. I repeadly contacted bank with no avail.
Product: Credit card

I paid my credit card on time and paid the balance in full every month. 

Now Capital One is saying there is fraudulent activity on my account because They are making no interest on my account. Although my account is paid in Full I ca n't use my account because they say they have to investigate fraudulent Activity. 

Capital One is Discriminating against me because I am XXXX. I want An investigation into Capital One policy of Discrimination against XXXX Who pay their bills on time and they do n't make any interest on them. 

Waiting to hear you. 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

Credit reporting Agencies are reporting Bankruptcy information without any verification and have ignored my request for verification and stated Verified, I have documented proof that they could not and did not verify with the Original Creditor as required during the investigation process ( LETTERS FROM BANKRUPTCY COURT THAT THE DO NOT REPORT NOR DO THEY VERIFIY ). they have caused myself and my family harm and financial hardship due to their fraudulent reporting accounts that should be deleted IMMEDIATELY!! 
XXXX ) XXXX XXXX ) XXXXXXXX XXXX I hereby formally revoke any consent, whether given knowingly or unknowingly for the reporting or dissemination or my person information to credit reporting agencies. 
Per FCRA 15USC 1681 it is within my right to control the dissemination of my personal information and revoke any previously given consent per Privacy act of 1974 5USC 552a
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I am writing to update/correct my personal information on file with your company.

Please update my address to : XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX {$18000.00} XXXX XXXX XXXX XXXX XXXX {$24000.00} XX/XX/XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$1100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

This is my responses to my XXXX  complaint against Spring Oaks Captial through the CFPB. Spring Oaks Captial responded to my complaint stating that I was provided with a debit validation letter when I in fact did not receive a debit validation letter. Please see the attached bank statement I received from Spring Oaks Capital instead of a debt validation. I'm missing the below information to validate this debt. 

1. Please provide a valid basis for the debt, such as the original contract between me and original creditor. Tell me the date the debt became delinquent and the date the last payment was made. 

2. If any fees or additional interest charges have been added to that statement, explain how those fees or additional interest charges are permitted, either by the original contract or by law. 

3.If any payments have been made on the account since the last billing from the original creditor, please show an itemized list of those payments with dates and amount paid for each item. 

4. Does your agency have a DEBT COLLECTION LICENSE in Illinois? If so, please provide the NAME on the license, the LICENSE NUMBER and the TELEPHONE NUMBER of the state agency that issued the license. If you do not have a license, please explain why.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX DOB XXXX SS XXXX I have accounts that are not reporting correctly on my credit reportsXXXX XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX. My income was impacted due to the Pandemic shutdown. I had some issues with my income being affected by the COVID-19PANDEMIC SHUTDOWN. I was under the 1CARESAct, Pub. L. 116-136, section 4021, codified at FCRA section 623 ( a ) ( 1 ) ( F ) ( i ) ( I ), 15U.S.C.1681s- 2 ( a ) ( 1 ) ( F ) ( i ) ( I ). I am requesting some accommodations so I care to protect the integrity of my credit file. 
I have an unverified account from a company I do not recognize the looks like a medical bill account that was paid in full to the service providers XXXX # XXXX this is a violation of HIPPA act and FCRA 609,611 please delete this error.
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 {$1200.00}, {$0.00}, {$240.00}.

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 ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1200.00} -This is not my account. 

-- AUTO ACCOUNT 2. XXXX XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- COLLECTION ACCOUNT 3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$240.00} -This is not my account.
Product: Credit reporting or other personal consumer reports

I believe that the information reported by Equifax regarding this account is inaccurate, incomplete, and misleading. As a result, my credit score has been unfairly impacted and I have suffered damages as a result. Under the FCRA, it is your responsibility to ensure that all information reported to credit bureaus is accurate and up-to-date. Additionally, the Metro 2 compliance guidelines outline specific reporting requirements for charged off accounts, including the requirement to report the date of first delinquency and the date of charge off. Based on my own records, I believe that the information reported by your agency is incorrect and in violation of these guidelines. I have attached copies of my records to this letter for your review. Please delete this account immediately for improper and inaccurate information. XXXX XXXX ( XXXX ) Account # XXXX Equifax has different information from XXXX XXXX Equifax has a different account number different open date, different high credit, different last payment date, and different last activity. As a consumer all credit reports are suppose to report the same information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian will allow me to login and view ALL of my Credit Bureau Report information including all the addresses I've lived /currently living at. 

However it does not let me raise a dispute online siting " Security concerns ''. 

When I raised a dispute over the phone, I wasn't given a dispute number to track the solution.
Product: Mortgage

on XXXX I have applied to refinance my mortgage with Santander bank, My credit card was charged {$390.00} as an application fee on XX/XX/18. after getting my commitment the bank has changed pricing and terms in a manner that made it uneconomical for me to do it. on XXXX I have withdrawn my application and requested my fee to be refunded in writing. my application was withdrawn but the bank refused to refund me my fee. there is nothing in the documents that describe that fee as non refundable. 
I have had several communications between myself and the mortgage rep and still nothing. In short I need my fee to be refunded to me.
Product: Money transfer, virtual currency, or money service

On Saturday XX/XX/XXXX I did a online money transfer through Wells Fargo app with XXXX of {$560.00} I put in one wrong dight so the money was transferred to a person I dont even know and didnt notice after Tuesday XX/XX/XXXX I called Wells Fargo and let them know about my mistake they told me to give them 10 business days so they would solve the problem through the period of time I kept on checking the status of the claim and they told me if by the 10th business day the money was not refunded they would credit it back until they solved the problem I waited and nothing happened so I called them again and they told me they were no longer able to help me because it was my mistake then I spoke to a head supervisor '' and he told me they couldnt help me that they had spoken to the person the money was transferred to and the person declined to sent it back so I had to get a hold of the person I explained to him that i had already tried to get a hold of the person but they wouldnt answer or respond so he said that then I had to deal with the person, right after hanging up with him I went to my local bank and explained the situation the banker called the claim department to see what they had done and they told him once the money is sent nothing could be done and that they could not contact the person the money was sent to so this means the supervisor lied to me when he said they had contacted the person and that they had declined to refund the money so the banker again told me they couldnt do anything either. So this means I just lost {$560.00} to a person I have no idea who it is and the bank was no help!!
Product: Checking or savings account

I am writing to file a complaint against Navy Federal 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 issue aligns with the recent CFPB findings against Navy Federal for similar practice, where transactions settle with insufficient balances, despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.