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

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX ; XXXXXXXX XXXX XXXX XXXXXXXX, NY XXXX ; XXXX XXXX XXXX Balance : {$660.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX, am exercising my rights as a federally protected consumer under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ). Effective immediately and indefinitely, I am opting out of any and all authorizations I may have provided to your institution, whether written, unwritten, oral, verbal, or nonverbal, as permitted by U.S.C. 6802. 
Please process this request immediately and confirm in writing that no further use of my personal information will occur based on any prior authorizations. If any additional action is required from my side, kindly inform me. 
Thank you for your attention to this matter. Sincerely, XXXX
Product: Credit reporting

Unauthorized credit inquiry still not removed after the creditor and my self have requested the inquiry be removed. Have even sent them proof.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

XXXX XXXX AND IC SYSTEMS is reporting an account created in 2013 from ID THEFT which is in violation of California Statute of Limitations Fraud 3 yrs. Civ. Proc. 338 ( d ) Collection of Debt on Account 4 yrs. ( book and stated accounts ) Civ. Proc. 337.

I am requesting a block " FCRA '' 605B ( 15 U.S.C. 1681c-2 ) ( a ) ( 2 ) Block of information resulting from identity theft. Block, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency.
Product: Mortgage

In 2008, I lost my income due to the recession, so I applied at my lender ( Chase Bank ) to modify my loan. More than a   year after I applied and submitted all my documents to the lender, Chase approved my modification loan, and I stayed in my house and paid the new amount on time every month for ( 8 months ). However, soon after they sent a letter that told me that I am not approved for loan modification, which was very suspicious because they approved my loan modification. After four ye ars, during which I discussed my situation with all my friends and did research, I found out the lender tried to scam me. They were trying to get my money for 8 months before they did cancelled my loan modification and short sell my house. I believed that because I am  XXXX  and I did not know much about the law to protect my self, they exploited my lack of knowledge and tried to make as much money as possible at the expense of myself and my family.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts have been transferred or sold. According to 15 USC 1605 ( 5 ) it states that the insurance protecting the creditor against the obligor 's default or other credit loss, this is clearly violation of the law to to report with profit loss write off. I am formally requesting a copy of any documents, bearing my signature, showing that I have a legal binding contractual obligation to pay you, I am requesting you to sent the wet ink contract bearing my signature.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I had two unauthorized charges taken from my bank account linked with my PayPal account. Both transactions were disputed and the charges were reversed. I was at a net of {$0.00} with the two transactions. On XX/XX/XXXX I received an email stating that the second transaction in the amount of {$56.00} would be taken out of my PayPal balance as the transaction was not unauthorized. I called and spoke with XXXX on XX/XX/XXXX who assured me that the transaction was unauthorized and that the email I received on XX/XX/XXXX was sent in error. On XX/XX/XXXX, PayPal debited my balance for the {$56.00}. I was on vacation at the time. I called on XX/XX/XXXX and spoke with XXXX. She stated that the {$56.00} would be put back into my account as the charge was, in fact, an unauthorized charge. I had not seen the money back in my account so I called again today, XXXX XXXX. I spoke with XXXX. He informed me that the funds were PayPal 's and that I would not receive another refund for the {$56.00}. XXXX did admit that it was a fraudulent charge and could not give me any information as to why I received an email stating that it was found to NOT be an unauthorized charge. 

To say that I am frustrated is an understatement. I was on the phone for over 2 hours on XXXX and over an hour today. XXXX could not tell me what was different between the two charges, what had changed from XX/XX/XXXX to XX/XX/XXXX, nor why PayPal would not cover this loss I incurred.
Product: Checking or savings account

My paycheck is direct deposited to my Capital One checking account bi-weekly on Wednesday afternoons, and should have been deposited on XX/XX/year>. It was not deposited Wednesday, and then yesterday, Thursday, XX/XX/year> in the Capital One mobile application there was a message stating they were having technical issues and were working to resolve them as quickly as possible. Last evening, XX/XX/year> I received an email stating that they were still working on resolving the issues but it should be fixed by this morning. However, my deposit is still not in my account and the mobile application still says the same message. This is MY money they after withholding from me. I am fortunate that I have money in my savings account but I am sure there are many people that struggling without their pay. Meanwhile, Capital One is blaming the issue on a third party vendor? I find this all very suspicious that it is happening just 2 days after an announcement that this same business cheated their own customers out of over {$2.00} billion in interest? What recourse do I have if my deposit doesn't go in?
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  ; Experian and XXXX  should not be reporting collections/chargeoffs on the XXXX XXXX  XXXX account number XXXX ; XXXX ; XXXX ; XXXX and XXXX and XXXX. Experian and XXXX  should not be reporting collection/chargeoff for account number XXXX. ( Please see pages attached from my credit report. ) These accounts have been billed incorrectly. These charges should have been submitted through my childrens medical insurance, not my insurance. I have attached copies of their insurance cards for reference. This false reporting of collection/chargeoff accounts that do not belong to me is seriously harming my credit score and these line items needs to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.
Product: Credit card or prepaid card

This complaint relates to both the Apple Card and the XXXX XXXX card from XXXX. Specifically, it is too difficult to reconcile charges on the card issuer 's statement with what was actually purchased with the card. 

The XXXX card lists purchases from XXXX as " XXXX '' and Apple similarly lists purchases from Apply as from " Apple.com '' Like many people, I make purchases from both Apple ( ongoing Apple Store content subscription items like the Washington Post or XXXX ) and XXXX ( virtually everything ). In order to reconcile the statements with my charges, I need to go into the XXXX or Apple web site and try to match each charge on the statement with something I ordered. And I can only do this by amount of each charge or an order number, since what I purchased is usually not even hinted at on the statement. 

Sometimes this is impossible, because XXXX sometimes does not record a purchase in its order listing ( e.g. the annual XXXX fee ) and XXXX inexplicably omits items on the statement from the transaction listing in the Apple Card app. For example, on my last statement, a purchase of a charger from the XXXX store appeared on the statement, but not in the transactions listed on the Apple Card app. 

Finally, while XXXX has a search feature on the " Orders '' page of its web site, when I use it the search feature tells me only that there are some matching entries to the order number, but won't tell me what they are. So either the web site has a problem or the search feature only works on certain unidentified browsers. 

This whole process is simply too opaque and time-consuming to the consumer if one simply wants to make sure all the charges are valid. Thank you.
Product: Credit card or prepaid card

Truist is repeatedly delaying the processing of my payments and is charging me late fees. 

All of my payments were sent via TD Bank Bill Pay and were scheduled to arrive prior to the payment due date. 

I have called Truist about this issue and to have the fees reversed. But to date, they have only reversed one {$27.00} fee. 

The following fees have been charged to my account. 

Truist charged me a {$27.00} late fee on XX/XX/XXXX ( XX/XX/XXXX statement ). 

Truist charged me a {$27.00} late fee on XX/XX/XXXX ( XX/XX/XXXX statement ). 

Truist charged me a {$38.00} late fee on XX/XX/XXXX ( XX/XX/XXXX statement ). 

Truist reversed XXXX {$27.00} late fee on XX/XX/XXXX ( XX/XX/XXXX statement ).
Product: Debt collection

XXXX XXXX XXXX  has violated the FDCPA on many occasions according to 15 usc 1692 c ( c ) 1692 d ( 5 ), the lady XXXX keep calling me telling me I owe a debt and to give her my personal information. In the letter XXXX sent me it clearly states that it is not attempt to collect a debt so why am I being harassed, according to the law as a consumer I am entitled to privacy of my personal information and who I want it shared with. I have never given XXXX any written or verbal consent to report any of my personal information to any CRA nor did I ever sign a contract or taken out a loan with them. NO CONSENT IS IDENTITY THEFT, they have used my name and personal information and reported it the the credit bureaus without my consent. the law clearly sates that consent is needed to access, obtain or report information to my credit file. I feel threatened and I am afraid to answer my phone! I have attached proof of debt validation and request for cease communication, XXXX XXXX just don't respect the law!
Product: Payday loan, title loan, personal loan, or advance loan

I settled this debt with Affirm through their collection agency, XXXX XXXX, In XX/XX/year> ( settled for less than the amount owed ). When I checked the account and my credit report a few weeks ago, the account still showed as a collection account with a remaining balance. Since then, I have been able to get them to update the account on their own website, but they insist their report to the credit agency is correct it is not. The account on my credit report states this account is still in collections with a balance of {$130.00} still due. It should be stating it has been settled. This is affecting my ability to apply for and be approved for rental property. After several calls and messages ( including images I provided to them of the account and my credit report ), Affirm has closed the case and will not respond to me in their dispute center. As of today, XX/XX/year>, after nearly 4 months of settling, this information is still incorrect on my credit report.
Product: Mortgage

Our mortgage payment is due to Loan Depot on the XXXX of each month. The bill always arrives after the XXXX. In XXXX, it didn't arrive until the XXXX. Because I pay all of my bills at one time, I had already paid everything at the end of the prior month. I didn't realize the Loan Depot bill was not received. When I received the billing on XX/XX/XXXX, I immediately went online to my bank to pay through the XXXXXXXX XXXX ' system. This should have been plenty of time since late charges don't accrue until the XXXX. Because Loan Depot can not accept an electronic payment, our bank has to send them a physical check. Our bank said the payment would arrive by XX/XX/XXXX. We received a notice dated XX/XX/XXXX which showed they had not received the payment and we had accrued a late fee of {$95.00}. I called Loan Depot and they confirmed they did receive the payment, but not until XX/XX/XXXX. We have never paid a bill late and asked them to waive the late fee. The agent stated they just changed policy and they could no longer waive late charges. They said they changed systems and mailing procedures a year ago and the payment coupons no longer will come timely. This seems very unfair. They have an obligation to send their billings out in a timely fashion and not after the due date. The agent stated that the bill will never come on time because of some strange change to their systems. I have now set up auto pay so this will not happen in the future, however, I do not feel we should be penalized for their internal system problems.
Product: Mortgage

My Godson, XXXX on XX/XX/XXXX due too mortgage loan servicing abuse by XXXX XXXX and foreclosure abuse by Citibank. He was never served, the process server lied about service, and we have proof. He was only XXXX years old and XXXX in the house he built from his own savings. After his death, his father, an XXXX XXXX Veteran presented XXXX XXXX with his son 's death certificate, and asked XXXX XXXX if he could take over the mortgage because he wanted to keep the house in remembrance of his son. He also wanted to donate the house to a non-profit that house homeless Veterans with families. XXXX XXXX told the Father if he got probate then they would discuss the loan. The father a XXXX citizen Veteran paid {$2500.00} to a probate attorney and received probate, and when the father called the XXXX XXXX, they would not take the call, would not return the call and later the father found out that XXXX XXXX had went into court and had XXXX appearances in front of the court ( without serving the father ) asking to complete the foreclosure. We found a lawyer that told us she went to court and had the foreclosure reverse and that the bank must speak to the father. The problem with this we never found evidence of this hearing, and secondly XXXX XXXX hired another law firm to go back to court to get foreclosure again. Later we found out that the mortgage is really from Citibank. XXXX XXXX in XX/XX/XXXX, the father has had probate since XX/XX/XXXX but has not been able to speak to no one at either bank. Can you help? I read about the consent judgement and this case is a good candidate for settlement to at least XXXX 's Father. Thank you, XXXX at XXXXXXXXXXXX please in subject line put XXXX. We could n't find the loan/mortgage number because it was blacken out with black marker in the legal files. We are guessing its a FHA mortgage.
Product: Credit reporting or other personal consumer reports

I did not authorize COMENITY CAPITAL/ FOREVER21 on XX/XX/2021 to run my credit
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 : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  Account XXXX : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX and 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: Debt collection

On XXXX/XXXX/16 at around XXXX i had a horrible customer service experience with employee, " XXXX XXXX '' at Ability Recovery Services. I have never been treated with such disrespect from a customer service representative, let alone another human being in my life. Upon inquiring about negotiating a loan payment, XXXX XXXX became irate, disrespectful, and extremely unprofessional. During our conversation he threatened that he was going to, " play with my credit '' and alluded to putting my account into bad standing. After asking XXXX XXXX to be transferred to a manager or a new representative at the very least, he aggressively replied, " this isn '' t XXXX XXXX, you ca n't always get what you want. '' As you can imagine the whole conversation has left me in disbelief at this point. I replied, " Excuse me '' And in an extremely XXXX disrespectful tone he replied, " you 're excused '' followed by him yelling that my account would be placed into bad standing and that i could n't always get what I wanted. After XXXX XXXX abruptly hung up on me i tried calling back several times in hopes of speaking with a new rep. only to be aggressively and unprofessionally met by XXXX XXXX. After asking to speak with a manager he yelled, " XXXX, you ca n't always get what you want!! There is no other manager, I am the manager of your account!! '' I am in absolute shock at how horribly I was treated and I am extremely disappointed in Ability Recovery Services. My experience has left me feeling XXXX, XXXX, and unsafe due to XXXX XXXX ' threats. I do not feel that XXXX XXXX is fit to have access to such sensitive and personal information. XXXX XXXX prejudice behavior towards me makes me fearful ; not only that he has all of my my personal information, but also that he has expressed intent to use it in a malicious manner. I am 100 % dissatisfied with my overall experience with Ability Recovery Services. As a result of the discriminatory behavior i have endured on behalf of, XXXX XXXX, I believe that I am owed compensation from Ability Recovery Services. How unfortunate that because of my gender, my ethnicity, and my " social class '' I had to endure discrimination when simply trying to pay my debt and better my life.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to the Credit Bureaus to remove the inaccurate information that are found on my report. But still those inaccurate information are constantly reporting on my report. That means the Bureau has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. REMOVE THESE FOLLOWING INQUIRIES COMPLETELY FROM MY CREDIT REPORT : Inquiries XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX Date of Inquiry XX/XX/XXXX
Product: Checking or savings account

I received wrong package ( closet different color different mirrors ) returned
Product: Money transfer, virtual currency, or money service

I am using the Robinhood app and was trying to purchase some more XXXX stock. I dropped {$100.00} on that yesterday and saw the prices were lower so I wanted to purchase some more today. When I logged in, I discovered that they are only allowing the sale of XXXX and NOT the PURCHASE of XXXX. This is absurd to me and seems like price fixing or market manipulation at the least. I find this woefully unacceptable and feel I have been scammed into a loosing position now by Robinhood.
Product: Credit reporting, credit repair services, or other personal consumer reports

After currently reviewing my consumer report, its has come to my attention that the financial institution XXXX XXXX XXXX XXXX failed to conform with applicable statutes such as the Truth and Lending Act, Gramm Leach Billy Act, Consumer Protection Act, and the Federal Reserve Act upon the consummation of this consumer credit transaction. XXXX XXXX has engaged in unfair and deceptive tactics. As a result of their inequitable conduct, I have made an uninformed decision extending credit to XXXX XXXX XXXX XXXX because my consideration came with no benefit. Furthermore, in accordance with the Federal Reserve Act, XXXX XXXX XXXX XXXX failed to disclose to me that my application was the secured collateral tendered as the payment for the full amount of the consumer credit transaction. XXXX XXXX XXXX XXXX also failed to disclose that collateral offered would be in check form such as draft, or bill of exchange for acceptance, and to have drawing rights as the payee to receive, and to exchange as presentment, for payment to the principal balance on the account for my benefit. As a result of the lack of disclosures. All previous payments have been unduly paid out to XXXX XXXX XXXX XXXX. I have sustained multiple damages due to the deceptive and negligent actions by XXXX XXXX XXXX XXXX. Their failure of not fully informing me and providing pertinent disclosures regarding the use of my credit and withholding how I can exercise my right to privacy to protect my personal information, has affected my credit worthiness, credit capacity, character, and general reputation. These improper actions have resulted in unfair credit billing, credit reporting, and abusive collection practices. 


This notice is an attempt to exercise good faith that the bureau of the CFPB will enforce the violations associated with this transaction and to protect me from the illegal practices by this financial institution. These are direct violations of the Truth and Lending Act, Consumer Protection Act, the Federal Reserve Act and the Gramm Leach Bliley Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1618 section 602 A. States I have the right to privacy.

15 U.S.C 1681 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.