23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I am filing a complaint against XXXX XXXX regarding the deceptive practices related to their XXXX " high yield interest '' savings accounts. XXXX XXXX misrepresented the XXXX Savings account as having XXXX of the nation 's highest interest rates, yet failed to notify accountholders about the superior rates offered by the XXXX XXXX XXXX account. This deliberate obscurity and lack of transparency violated consumer trust and resulted in significant financial losses for many, breaching the Consumer Financial Protection Act and the Truth in Savings Act. I seek redress for the misleading practices and failure to fulfill their advertised promises.
Product: Checking or savings account

On XX/XX/XXXX, Citibank emailed me a promotion as an existing customer. At the time I had a Citi credit card, and Citi invited me to open a checking account with the promise of a {$1500.00} bonus for depositing {$200000.00} within 30 days of account opening, and keeping {$200000.00} on deposit for XXXX consecutive days. In response to this promotion, I opened a Citi checking account on XX/XX/XXXX. As of XX/XX/XXXX, I had deposited my {$200000.00} savings into the account. I took it out of a higher-interest paying deposit account at another institution and deposited it into Citi 's XXXX paying account in reliance on Citi 's promise of XXXX {$1500.00} bonuis. I maintained that {$200000.00} balance for XXXX consecutive days, thereby satisfying the promotional requirements. The {$1500.00} bonus should have posted by XX/XX/XXXX. When the bonus had still not posted as of XX/XX/XXXX, I contacted Citi via its online Chat feature. The representative asked for the promo terms. I cut and pasted the promotion into the chat. The representative agreed the bonus should have posted, and opened a dispute for me. On XX/XX/XXXX, Citi wrote me to deny the bonus and even deny any promotion offered for my account. The letter said if I had documentation to support my claim for the bonus, I had to FAX it to Citi. The fax requirement is unfair and unreasonable, particularly during a pandemic. I have no fax machine at home. I would have to enter a XXXX XXXX, XXXX, XXXX XXXX, or some such vendor location and PAY to send fax. Citi realizes that fax machines are outmoded and inaccessible, especially now while so many people work from home. Better banks, credit unions, and the CFPB have online portals to which consumers can upload documents digitally, as I am thankfully able to do in support of this complaint. Citi too should offer the option of uploading documentation digitally, or at least provide an email address for sending attachments. By requiring me to fax documents, Citi is actively discouraging me from providing documentation in support of my claim, and knowingly delaying its obligation to fulfill its own promotion that it directly sent me. Thank you CFPB for allowing me to upload documents in support of my complaint, and for your help in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am responding to your business reporting a debt you are trying to collect. You reported on all three credit bureaus XXXX, XXXX as well as XXXX by postal mail, on XX/XX/2023, and identified the debt as verified debt owed. Please supply the information below so that I can be fully informed : Why you think I owe the debt and to whom I owe it, including : The name and address of the creditor to whom the debt is currently owed, the account number used by that creditor, and the amount owed.

If this debt started with a different creditor, provide the name and address of the original creditor, the account number used by that creditor, and the amount owed to that creditor at the time it was transferred. When you identify the original creditor, please provide any other name by which I might know them, if that is different from the official name. In addition, tell me when the current creditor obtained the debt and who the current creditor obtained it from.

Provide verification and documentation that there is a valid basis for claiming that I am required to pay the debt to the current creditor. For example, can you provide a copy of the written agreement that created my original requirement to pay?

If you are asking that I pay a debt that somebody else is or was required to pay, identify that person. Provide verification and documentation about why this is a debt that I am required to pay.

The amount and age of the debt, including : A copy of the last billing statement sent to me by the original creditor.

State the amount of the debt when you obtained it, and when that was.

If there have been any additional interest, fees or charges added since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each added amount. In addition, explain how the added interest, fees or other charges are expressly authorized by the agreement creating the debt or are permitted by law.

If there have been any payments or other reductions since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each of them.

If there have been any other changes or adjustments since the last billing statement from the original creditor, please provide full verification and documentation of the amount you are trying to collect. Explain how that amount was calculated. In addition, explain how the other changes or adjustments are expressly authorized by the agreement creating the debt or permitted by law.

Tell me when the creditor claims this debt became due and when it became delinquent.

Identify the date of the last payment made on this account.

Have you made a determination that this debt is within the statute of limitations applicable to it? Tell me when you think the statute of limitations expires for this debt, and how you determined that.
Product: Credit reporting or other personal consumer reports

Accounts Inaccurate ( XXXX XXXX ) I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was turned down for my mortgage because LexisNexis states I am deceased. I am a 100 % service connected XXXX XXXX Veteran so I am old but definitely not dead. They refused to remove the information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I originally reached out to XXXX XXXX on XX/XX/XXXX, to try and rectify this situation and unfortunately I have been unsuccessful. I happened to run my credit report in the beginning of XX/XX/XXXX and noticed that XXXX XXXX reported to the credit bureau that I was late for the month of XX/XX/XXXX. But this information is totally incorrect! I purchased a piece of jewelry on XX/XX/XXXX and I returned it ten days later on XX/XX/XXXX. As you will see in the statements from XXXX XXXX, even though I returned the jewelry there was still a balance on my account for {$0.00} on the XX/XX/XXXX statement, which I can't seem to understand why. The item was returned and it should have brought my balance to XXXX. That {$0.00} over five months turned into {$27.00} and forced XXXX XXXX to report a late payment to the credit bureau for the month of XX/XX/XXXX. Please be advised that I called XXXX XXXX and they were unable to provide me with a statement for XX/XX/XXXX. They stated that they don't generate statements when the account has a XXXX  balance. But as you will see in the documentation they went ahead and XXXX  out my account somewhere between XX/XX/XXXX and XX/XX/XXXX. XXXX XXXX is being very unfair. This situation is cut and dry and shouldn't even be an issue.
Product: Credit reporting

I have disputed in prior disputes with Equifax concerning the Bankruptcy Case # XXXX was never discharged the discharge was waived. IT did not discharge and needs to be removed from the credit report. Equifax is not investigating what I am asking them to investigate they are just going by what they have in their system and that 's that. Even if what they have in their system is wrong. They 're blatant refusal to to make the correct changes as they are supposed to by law is very concerning to me. It needs to be rectified correctly and immediately. Please fix the problems correctly. I have attached the letter that I received from the bankruptcy court and I have also attached a copy of Equifax credit report showing the incorrect status and information.
Product: Payday loan, title loan, personal loan, or advance loan

I had a severe loss in income in XXXX as I am self employed. Before my payment for XX/XX/year> became due I attempted to be proactive and applied for hardship multiple times online with Upstart but kept getting denied. I then emailed customer service and they told me to apply for hardship assistance to which I advised that I already had but was denied. I then spoke with customer service verbally and even asked for a manager and was told there was no manager and that there was still nothing they could do and that they did not offer extension of loan terms to customers. Now I am almost 2 months behind and have negative marks on my credit report. I have had this loan for years and typically pay on time but right now I am unable to. I only needed a couple of months to get back on track. The payment is now over $ XXXX  month because in the past I had to apply for hardship and it made my monthly payment increase. The majority of the payment goes to interest ( almost {$570.00} )
Product: Checking or savings account

Had a checking account in 2013 with Wells Fargo and was overcharged with fees for insufficient funds, overdraft fees, and other fees.
Product: Checking or savings account

I would like a full investigation completed on the amount of interest my account should have gained, and to be reimbursed with a 10 % interest fee added.
Product: Debt collection

We all need help sometimes. Let Conn 's work with you. Call XXXX to make payment arrangements of {$24.00}. This is the end result. XX/XX/2019 I called conns to get a payoff for my account they gave me a amount of {$1000.00} so I mailed a check to conns. Original amount was {$3600.00} for the purchase of some appliances I paid off XXXX which paid over by {$10.00}. So one year later Im looking on my credit report and saw {$94.00} still owed so I called conns they told me I owe for a filling fee and I told them no I dont when I called for a payoff it was a done deal and this account was interest free for 36 months. So now its up to {$1500.00} and growing. I filled a dispute with the credit bureau ( XXXX  ) and the account was removed from my credit report. But now Im getting phone calls from conns collection department telling me I should have read my contact and getting nasty. I paid my account off early and this is what you get. Do I need a Lawyer?
Product: Credit reporting, credit repair services, or other personal consumer reports

According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer. 

Date : XX/XX/XXXX Furnisher : XXXX XXXX XXXX  Date : XX/XX/XXXX Furnisher : XXXX XXXX XXXX Date : XX/XX/XXXX Furnisher : XXXX Date : XX/XX/XXXX Furnisher : XXXX XXXX Date : XX/XX/XXXX Furnisher : XXXX  XXXX XXXX XXXX # XXXX Date : XX/XX/XXXX Furnisher : XXXX XXXX  Date : XX/XX/XXXX Furnisher : XXXX XXXX XXXX Date : XX/XX/XXXX Furnisher : XXXX XXXX XXXX Date : XX/XX/XXXX Furnisher : XXXX XXXX XXXX XXXX Date : XX/XX/XXXX Furnisher : XXXX XXXX Date : XX/XX/XXXX Furnisher : XXXX XXXXl Date : XX/XX/XXXX Furnisher : XXXX XXXX XXXX XXXX XXXX. 
Date : XX/XX/XXXX XXXX : XXXX XXXX XXXX. 
Date : XX/XX/XXXX Furnisher : XXXX XXXX XXXX Date : XX/XX/XXXX Furnisher : XXXX XXXX XXXX Date : XX/XX/XXXX Furnisher : XXXX XXXX XXXX XXXX Date : XX/XX/XXXX Furnisher : XXXX XXXX XXXX Date : XX/XX/XXXX Furnisher : XXXX XXXX XXXX Date : XX/XX/XXXX Furnisher : XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Yesterday I contacted Experian to temporarily unfreeze my credit report. I then tried to contact them today to freeze it again. What I experienced was shocking. Both their phone system and web site are grossly mismanaged and often don't function. This must be hurting millions of people in the country. The automatic phone system simply does not function. And you can not get through to a live person. I couldn't use the web site because I was not able to set up a membership because of an " error. '' After a couple hours I was finally able to resolve this, but your agency should not be allowing Experian to operate in this way. 

It's not like consumers have a choice with these credit agencies. They collect information without anyone 's permission.

I know that your agency has many complaints against it because you often ignore consumer complaints, but I would recommend not ignoring this one. I have also provided this information to Congress, including the appropriate committee, so you would need to explain to them why you ignored it. In fact, they are the ones I contacted first, and they sent me to you.
Product: Credit reporting or other personal consumer reports

I would like to dispute these inaccurate accounts on my credit report. 

XXXX : XXXX XX/XX/XXXXAccount Number : XXXX XXXX Account Number : XXXXXX/XX/XXXXXXXX Account Number : XXXXXX/XX/XXXXXXXX Account Number : XXXX Experian : XXXX XX/XX/XXXXAccount Number : XXXX XXXX Account Number : XXXXXX/XX/XXXX Account Number : XXXXXX/XX/XXXXXXXX Account Number : XXXX XX/XX/XXXXXXXX Account Number : XXXXXX/XX/XXXXXXXX Account Number : XXXXXX/XX/XXXXXX/XX/XXXXAccount Number : XXXX XXXX Account Number : XXXXXX/XX/XXXX Account Number : XXXX XXXXXX/XX/XXXXXXXX Account Number : XXXXXX/XX/XXXXXXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2021 us small business administration this account was opened fraudulently this not my account please remove
Product: Credit reporting or other personal consumer reports

I am writing the cfpb out of extreme desperation. The credit reporting agencies have caused me great harm and have failed to uphold their fiduciary duties to protect my identity. In accordance with the Fair Credit Reporting Act, they have violated my rights. Pursuant to 15 USC 1681 Section 602 States I have the right to privacy, 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. I have never received any written acknowledgements from Experian with the options to opt out. This has caused my family great harm because I have been denied the privilege to buy a home, purchase a car with affordable rates. I was also notified of my privacy being infringed on and my information being exposed, again I HAVE THE RIGHT TO PRIVACY pursuant to the privacy act of 1974. 
Pursuant to 15 USC 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. 
Ive been fighting for years to rectify fraudulent activity, names, addresses, social security numbers, accounts. I have even talked to multiple customer service representatives and they have hung up in my face and refused to put a freeze on my account. Ive been a victim of Experian breach they have failed me and my family. i have feared of someone getting a hold of my information. Because i get alerts that my info has been placed on the Black market or the dark web, this has placed my family in harms way. I just want to live my life in peace and not fear that I'm in jeopardy. Their websites, phone numbers, etc are all non-functioning for me and thousands of others with the same issues. 
You are also aware that reporting income on a credit report is against federal law. Charge offs are considered a certificate of indebtedness which is income, why are they still fraudulently reporting these accounts. 
It is also illegal to report transaction history on a report. 
15usc 1681s 16 CFR 433.3 Please uphold your fiduciary duties to report accurately. I am invoking my rights to privacy according to the privacy act of 1974. I am also invoking my rights to opt out.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : 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 Account Name : XXXX XXXX XXXX Account Number : XXXX Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I mailed off a letter to Experian about late payments and usage reporting on my credit report on XX/XX/2024. I did not receive anything back from them. I asked them to please remove the late payments and usage and to write me back a letter when they have been removed. They didn't do that. I also requested them to send me something saying they received my letter. I got no response. I also got the letter notarized by a publicly bonded notary. Some of the things I included in the letter was a violation of 15 USC 1681a the term consumer report does not include a report containing information solely as to transactions ( LATE PAYMENTS ) or experiences ( USAGE ) between the consumer and the person making the report. I mailed that off certified mail which I can include a picture for proof of delivery. Attached I have proof that I have mailed experian credit reporting agency multiple times and have received no response from their agency. 

I sent a second letter titled XXXX to cure giving Experian a chance to redress the situation. The letter contained the same information in the first one and I still did not receive a written response. The day I mailed off the second letter was XX/XX/2024 certified mail. I can also provide a picture for proof of delivery of the second letter. In the second letter I included that 15 USC 1681n is the violation for civil liability for noncompliance and they still didn't not try to reach out to me the consumer/principal. Now they are in DEFAULT.
Product: Credit reporting or other personal consumer reports

I got an email stating the my credit report company gave out my information. In no one tried to help me or tell what was going on
Product: Checking or savings account

I've been a customer with Capital One XXXX  since XXXX - back when they were called XXXX  XXXX  / XXXX, before Capital One acquired them. 

I thought my Capital One XXXX Account interest rate was 3.30 % as advertised on their website. It says : " Put your savings to work with one of the nations top savings rates. 
SAVINGS ACCOUNT BALANCE Any Balance ANNUAL PERCENTAGE YIELD ( APY ) 3.30 % '' When I reviewed my own savings account details ( several clicks into it ), it says my APY is actually only " 0.3 % ''. 

The last time Capital One emailed me about my savings rate was in XXXX when they noted it was 1.0 %. I regularly check their website front page to see the current interest rate. I assumed today I'd be getting the 3.30 % rate like they advertised. 

I noticed the discrepancy just today and immediately called the customer service line. 

They told me that I had a some savings account than the savings account on their website home page, and mine pays only 0.3 % interest. 

I asked them why I wasn't getting the rate that was advertised considering I was such a long time customer. I asked why my account summary page didn't mention that my Capital One XXXX Account was somehow different than the one they prominently advertise on their home page. They said my savings account type was no longer sold. They said they made up a new name " Capital One 360 Performance Savings '' and mine was just " Capital One 360 Savings ''. 

I searched my XXXX account where I receive Capital One notices and they never ONCE mentioned the term " 360 Performance Savings '' in any email to me, or that my account type no longer available and was being given a super low interest rate. It's like they were trying to deceive me and keep me on an extremely similar but completely inferior product. 

I wonder how many other customers they did this to - trick them into thinking they had a competitive rate as advertised on the home page, but then sneakily stick you in a slightly different named product which has XXXX worse interest rate.
Product: Vehicle loan or lease

I returned my lease on the date it was commenced. I bought a new Honda and paid half than full, Apparently, when they closed the lease it was a day later then the return and it has been on my account as degroatory open. I returned it on time bought a new Honda XXXX They told me it needs to stay on this report for 7 years. Why? 

I did not make the clerical error. I purchased another vehicle from them. They told me it was corrected. Now they say I must write another letter. Please help this is annoying already. 

Sincerely, Honda Finance XXXX XXXX XXXX XXXX, I went from returning a leased car on time to purchasing another car with a loan. The return was a day late according to Honda but I drove away with a new vehicle It was a clerical error. 


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

I sent a letter in attempt to remove These accounts that should not be furnished on my consumer report as they are in violation! Under 15 US Code 1681b Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other; ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT.As a consumer, I am demanding the deletion of all the accounts listed IMMEDIATELY! XXXX XXXX XXXX  {$1200.00} XXXX XXXX XXXX XXXX  {$5100.00} XXXX XXXX XXXX XXXX {$85.00} US Dept of EDXXXXXXXX XXXX  US Dept of EDXXXX XXXX XXXX XXXX XXXX XXXX {$23000.00} XXXX XXXX XXXX XXXX {$62.00} XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX