23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I had a preferred checking line of credit ( XXXX ) thru Key Bank that functioned as either a credit card or cash loan. Due to medical expenses my limit was reached on this account. Key Bank customer service advised that I could open a Key Bank Platinum Card ( XXXX ) and transfer the previous balance to the new card at a lower interest rate. This was due to the increasing interest rate on the original card that made it difficult to keep up with payments.. The transfer would lower the interest rate. At this juncture I was expecting the original amount on the first card to be transferred to the new Platinum Card at a lower rate, then they dropped a bomb on me and advised that I could not transfer the balance to the new card. I advised them that I was unemployed at the time the new card was opened. And soon after the second card was opened, Key Bank began to raise the rate from 7.9 % to near 20 %. I kept falling behind and was unable to establish a payment program, the card rates were increasing and the penalties and interest made it impossible to repay the debt. I have since contacted them several times and offered to close the credit card accounts and convert the debt to a consumer loan in order to pay it back. They have refused all options to repay them and continue to charge me penalties. I now have little hope of ever paying this loan back unless they cooperate and realize that their manipulation, failure to close the first card, and charging me higher and higher interest with penalties has put me in this situation. 

The Bank was applying all my payments toward the finance charges and penalties and NOT the principal. This made it impossible to pay this amount off!
Product: Credit reporting

I am having difficulty trying to file for a credit card or to receive a credit card due to that I have a XXXX brother with the same last name and same first but our middle names are different. our social security numbers are different by XXXX digit cause we were born XXXX as XXXX. XXXX are XXXX individual people, not XXXX person. When trying to file for a credit card, the credit bureau 's see XXXX different social security numbers but when they see the same first and last name, everything is refered back to XXXX person and only being XXXX person since having the same names but the system ca n't detect a XXXX digit difference in social security numbers. The United States XXXX can Identify XXXX separate human beings with XXXX different social security numbers and see the complete name, first, middle and last, they do n't see only first and last name. This problem has been going on for the last 7 years and yet to this day credit bureau 's have not identified or tried to prevent these kind of situations believing that XXXX people with the same fist and last name but XXXX digit difference in social security is still only XXXX person. Were both veterans, we have XXXX different XXXX discharge papers, both identifying both of us as XXXX different people. I hope that the system is n't discriminating towards Hispanics that have identical names but yet XXXX different social security numbers.
Product: Checking or savings account

Bank of America has violated my right. over the last couple of weeks Bank of America has frozen my business assets. they have without notification, recourse and legal letter, stolen my money and have refused to allow me into my account and/ or give my my money. mind you this is all without reason. I will soon have to go to the police. please help
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX : {$16000.00} XXXX XXXX XXXX Balance : {$16000.00} XXXX XXXX XXXX Balance : {$16000.00}
Product: Credit card

On XXXX XXXX, 2015 I received my monthly credit card statement for my Visa card issued from Capital One and found XXXX transactions that occurred in XXXX different states from XXXX XXXX, 2015 to XXXX XXXX, 2015 when I had charged my credit card within XXXX County, VA ( XXXX, VA ; XXXX, VA ; XXXX, VA ) where I live and was in school these dates. 

I reported the following charges as fraudulent to Capital One under my Visa card ending in XXXX today to start an investigation in the following transactions:XX/XX/XXXX XXXX XXXX # XXXX = {$180.00} XX/XX/XXXX XXXX = {$160.00}! XXXX XXXX XXXX # XXXX XXXX = $ XXXX have never been to any of these areas and have no idea where they are. I have contacted the Capital One Fraud and Legal departments to start the investigation of these XXXX transactions as of XXXX XXXX XXXX XXXX XXXX, 2015. I stated to Capital One that I want to press criminal charges against anyone involved in charging these fraudulent transactions. 

I have not paid the total charge of {$540.00} as of today on these fraudulent transactions and have been informed by Capital One that these transactions mentioned above will be refunded on my credit card statement.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX  XXXX ... CONSUMER PORTFOLIO SVC XXXX ... XXXX XXXX XXXX XXXX XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on this account though your company claims to have verified this. Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 
As in XXXX XXXX TransUnion, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information that is being reported on my credit report. 
Specifically, the following items are incorrect and are negatively impacting my credit score : Account Name : XXXX XXXX Account Number : XXXX Reason : It is deeply disheartening to see that this account is being inaccurately reported as a charged-off account with a balance due. This mistake is unjustly affecting my financial standing. Please provide clear evidence of the charge-off or correct this by updating the balance to {$0.00} or remove the negative payment status associated with this account. 

Account Name : XXXXXXXX XXXX XXXX  Account Number : XXXX Reason : Its disheartening to see missed and late payments being reported on this account. I never imagined my history would be clouded by such claims. Please provide all statements and records of every payment Ive made and missed since opening this account. I need clarity, and I hope this can be resolved fairly. 

Account XXXX : XXXX Account Number : XXXX Reason : Its troubling to see this account inaccurately showing XXXX late payments. According to my Experian report, there is only 1 late payment being reported. These inconsistencies weigh heavily on me, and I hope you can correct this error, so my record reflects the truth. Please help me resolve this. 

Account Name : XXXX XXXX Account Number : XXXX Reason : I never entered into any agreement with this debt collector for any debt. Its disheartening to see my name tied to something I dont recognize. Please provide proof from the original creditor that this debt collector owns the debt and has the legal right to collect it. If no such proof exists, I ask that you delete this account. This weighs on me heavily, and I need this to be made right. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : It is deeply disheartening to see that this account is being inaccurately reported as a charged-off account with a balance due. This mistake is unjustly affecting my financial standing. Please provide clear evidence of the charge-off or correct this by updating the balance to {$0.00} or remove the negative payment status associated with this account. 

INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN 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 XXXXXX/XX/XXXX Ive done everything I can, but these inaccuracies still cling to my credit report like a shadow. Ive reached out, Ive provided proof, but nothing changes. Please investigate thoroughly. I just want my report to reflect the truth so I can finally move forward. Im exhausted I just need a chance to breathe again.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX ( XXXX ) is in direct Consumer Law 15 USC 6802 ( a ) and 15 USC 6802 ( b ) which states : ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.
Product: Checking or savings account

Every month the bank is deducting a {$4.00} fee on account that my social security direct deposit is deposited to. This supposed to be a free account of monthly fee because of the direct deposit.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed. 
( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX XXXX inaction violates federal law and my rights as a consumer.
Product: Credit reporting or other personal consumer reports

I request the immediate removal and blocking of unauthorized accounts from my credit report. These accounts were not initiated or authorized by me, and I am unaware of their source. Per USC 1681g, I formally ask for their deletion within 15 days. Relevant documents are attached for yaour review.
Product: Credit card or prepaid card

Bank : Bank of America Account type : credit card account # ending with XXXX. 

XX/XX/2018 1. Payment due date : XXXX of each month. 
2. I initiated a payment of {$670.00} on the XXXX of XXXX as I forgot to make the payment on the XXXX of the month. 
3. Bank charged me {$25.00} on XX/XX/XXXX for making a late payment. 
And an interest charge of {$6.00} on XX/XX/XXXX ( which was later removed after I made a phone call request to the customer rep ). 
4. No email or text or phone call alert system to alert the customer of the late fee and interest posted on the account. 

XX/XX/2018 1. I initiated a payment of {$330.00} on the XXXX of XXXX as I forgot to make the payment on the XXXX of the month. 
2. Bank charged me {$31.00} on the same day for making a late payment. 
And an interest charge of {$2.00} on XX/XX/XXXX ( which was later removed after I made a phone call request to the customer rep ). 
3. No email or text or phone call alert system to alert the customer of the late fee posted on the account. 

Inquiry call : XX/XX/XXXX Bank customer rep denied the request to waive the late payment charges. 
She informed me that the Bank doesn't inform the customer whenever a late fee or interest money is charged to the customer account. 
The only way to find out is if the customer goes online or make a phone call and inquire about the transactions. 

As a customer, I feel this is a predatory policy of the bank that they are not courteous enough to alert the customer if they are being charged such fee. As a matter of fact, the online account has no option for if a customer wants to be notified by the bank when aforementioned fee are posted on the account. 
So, unless that customer goes back and check their statements thoroughly they could be paying late fee and interest charges even though they have paid off balances.
Product: Debt collection

CFPB Complaint for Debt Collection Abuses XXXX XXXX XXXX XXXX XXXX XXXX Email Address ( XXXX ) XXXX Consumer Financial Protection Bureau XXXX CFPB ) XXXX XXXX XXXX XXXX, OH XXXX Re : Complaint Regarding Debt Collection Abuses by [ AXIOM ACQUISITION VENTURES LLC ] Dear CFPB, I am writing to file a complaint against [ Name of Debt Collector ] for violations of the Fair Debt Collection Practices Act ( FDCPA ). 
Dispute of Debt I am disputing the validity of a debt that [ AXIOM ACQUISITION VENTURES LLC ] is attempting to collect from me. The alleged debt amount is [ {$0.00} ] and they have not provided any validation of this debt as required by law under 12 CFR 1006.3 ( b ) ( 5 ).

Revocation of Communication Methods I am revoking my consent for [ Name of Debt Collector ] to communicate with me through email, text messages, or phone calls. All future communication must be done in writing and sent to the address listed above.

Requests Debt Validation : I request written validation of the debt, including the original creditor 's name, the amount of the debt, and the date the debt was allegedly incurred. 
Method of Validation : I specifically request the method used for validation, such as a copy of the purchase agreement between the debt collector and the original creditor. 
Proof of Licensure and Bonding : Please furnish documentation proving that [ Name of Debt Collector ] is licensed and bonded as required by 12 CFR 1006.34 ( b ) ( 5 ), 12 CFR 1006.34 ( c ) ( 4 ) ( i ), and 12 CFR 1006.34 ( d ).

Violations of the FDCPA Failure to Validate Debt ( 12 CFR 1006.3 ( b ) ( 5 ) : [ AXIOM ACQUISITION VENTURES LLC ] has not provided debt validation as required by law.

False or Misleading Representation ( 15 USC 1681s-2 ( 7 ) ( A ) : They have placed a collection on my credit report without providing validation, which could be seen as a deceptive practice.

Failure to Provide Required Disclosures ( 12 CFR 1006.34 ( d ), 15 USC 1681s-2 ) : They may have furnished the account to a credit reporting agency without providing the required legal disclosures.

Request for Response I request a written response to this complaint within 15 days. Your silence on this matter will be considered an admission of guilt. 
Thank you for your time and attention to this matter. 

Sincerely, XXXX XXXX Enclosures ( ID AND PROOF OF ADDRESS ) https : //www.consumerfinance.gov/.
Product: Debt collection

During the pandemic when millions of us lost our jobs in XX/XX/XXXX, I was XXXX of those people. Due to the amount of money finally disbursed, it was not enough to catch up on debts owed. During this time frame, ALL of my creditor except XXXX XXXX  ( XXXX XXXX ), assisted me in paying all of my debts. XXXX stopped communicating with me in XXXX of XXXX. I have attempted on several occasions to contact and pay my balance. XXXX locked my account rather than assisting me with resolving my balance owed. As of XX/XX/XXXX I was served a warrant of Debt by XXXX  through their collection firm XXXX XXXX XXXX and a court date of XX/XX/XXXX suing me after I have made repeated attempts to contact XXXX  and settle the matter. We were in the middle of a pandemic and shutdown by the State government. I am ready and able to resolve the matter with XXXX, through XXXX. I have paid off ALL of my other debts due to the pandemic, why would I not do so with XXXX final creditor?
Product: Mortgage

I have paid the escrow amount back with a money order and they keep retuning the money payment of XXXX and XXXX. They saying I didnt pay for the month of XXXX bill.. and I have all my receipts. They paid my Insurance company twice and ran up my mortgage payment. This is the second time this company XXXX XXXX XXXX XXXX  did this..
Product: Credit reporting or other personal consumer reports

I am writing to file a complaint regarding unauthorized credit inquiries that were added to my credit report without my knowledge or consent. Under the Fair Credit Reporting Act ( FCRA ), I have the right to be notified and provide authorization before any credit inquiry is made. In this instance, the companies involved, as well as The credit agency, failed to contact me for permission, which constitutes a violation of the FCRA. 

XXXX : I did not pay any company to do any credit repair for me as i am educated and research a lot on the FCRA laws.
Product: Credit reporting or other personal consumer reports

On XX/XX/2023, One main financial pre approved me for a loan stating would have no effect on my credit score. Did not get approved and still is present on my credit to this day.
Product: Checking or savings account

Robinhood.com has restricted my account and is not putting in any effort to unlock it they locked it XX/XX/22 and told me it would be resolved by XX/XX/22 they haven't made any progress as of XXXX XXXX on XX/XX/22 I'm currently without power because they can't get a hold of the team that deal with account restrictions by any other means except for email they have laughed at me and hung up on me I'm tired of sitting in the dark
Product: Money transfer, virtual currency, or money service

Venmo wont let me log into my account. I have money that is in the virtual wallet that wont let me access and i need that to make mortgage payment.
Product: Checking or savings account

I bank with " Current " On XX/XX/2021 sometime after XXXX my debit card was stolen, 6 unauthorized transactions between XXXX - XXXX were made as credit transactions. I shut my card off and reported it stolen, along with disputing the 6 pending charges. My bank emailed me saying, after investigating the transactions they wont be crediting my account for the amount that was stolen. They said the pin was used ... yet I gpt a notification that an invalid pin was used. They will dispute an accidental XXXX $ charge ... but when my card gets stolen taking {$400.00} plus. They tell me, " we understand your frustrations but unfortunately we cant do anything. '' They claimed to be FDIC. 

I also have screenshots of my location from XXXX map an where I was at, at the time of the unauthorized transactions which are 2 different locations. 

Current is refusing to review and investigate the unauthorized transactions. They are telling me that they cant do anything about it, to email the dispute team. Yet when I email the dispute team it takes them a week or longer just to reply saying they cant re-dispute them. 
Now I'm weeks behind on my bills which i have to figure out how to come up with that money. The pain and suffering this is causing is rediculas
Product: Credit reporting or other personal consumer reports

I disputed a charge-off on my credit report with Experian twice on XXXXand requested verification under FCRA 611 ( a ) ( 7 ) ( 15 U.S.C. 1681i ( a ) ( 7 ) ). Despite my request, Experian has failed to provide any documentation proving the validity of the debt. Instead, they continue to report the charge-off without verifying its accuracy, which violates my rights under the Fair Credit Reporting Act.

As a result of Experians failure to verify or remove this unverified charge-off, I have filed a complaint with the Federal Trade Commission ( FTC ) regarding their noncompliance. I am now escalating this issue to the CFPB for further action.
Product: Credit reporting or other personal consumer reports

This is fraud and this is identity theft i have reached out to the credit bureaus. i have been sending disputes to these company in regards too accounts not being mines. Also there are ALL inaccurate on my credit XXXX. XXXX XXXX XXXXXXXX balance {$60.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$210.00} XX/XX/XXXX XXXX XXXX XXXX {$400.00} XXXX XXXX  XX/XX/XXXX XXXX XXXX {$4700.00} XX/XX/XXXX XXXX XXXX XXXX {$2800.00} XX/XX/XXXX XXXX XXXX {$820.00} XX/XX/XXXX XXXX XXXX {$690.00} XX/XX/XXXX XXXX XXXX {$690.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

XX/XX/year> US Bank is without explanation disallowing me access to my Social Security check direct deposit. They are giving me the runaround. The XXXX or XXXX personnel all have a different statement, not one of them articulating why i can not have my funds. They are claiming to close my account which they say will take up to XXXX  days