23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

On XX/XX/year>, I opened an account with Indigo Mastercard ( Concora Credit ) to use for my XXXX. At the time I opened the account, my wife and I were separated and I was living with my business partner. The beginning of XXXX, 2024, I moved back in with my wife, and changed my address with the company via the webpage. On XX/XX/year>, I went to use the credit card at the Post Office to buy stamps for my business, and it was declined. I called Indigo and they said that they closed the account on XX/XX/year> due to " Suspicious Activity '' with the account. They stated that they sent a notice out in the mail on XX/XX/year>, which I just received today ( XX/XX/year> ). The notice states that they closed the account due to " Unusual or Suspicious customer demographic changes ''. 

This company closed my credit account due to a change in marital status, which I believe is covered under the Equal Credit Opportunity Act, under the Marital Status clause. 

I contacted the Attorney Generals office, and nothing was resolved.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint due to Experian 's failure to correct and/or properly investigate inaccurate public records in my credit report. According to the Fair Credit Reporting Act ( FCRA ), particularly Section 1681e ( b ) and 1681i, Experian is required to ensure the accuracy of the information they report and must promptly investigate disputes. However, my attempts to dispute and correct inaccuracies have been improperly handled, and no appropriate corrective action has been taken. Furthermore, their failure to act constitutes a willful violation of the FCRA under Section 1681n, which entitles me to pursue civil liability and seek damages, including the {$1000.00} penalty for each violation of the Act.

With an account on my credit report, the transactions experiences are not pursuant to 15 U.S. Code 1681a ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. 

Im requesting Experian to update the payment status for the XXXX XXXX XXXX XXXX payment history from XX/XX/XXXX to XX/XX/XXXX, which makes 15 violations of transaction experiences that where violated under 15 USC 1681a ( a ) ( 3 ) ( i ) and the Privacy Act of 1967, I need it to be immediately updated to paid on time, as the balance of the account is XXXX XXXX 

Any other account on my Experian showing transaction experience must be updated to paid and on time includin, XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I am requesting monetary compensation from Experian for their willful non-compliance and monetary compensation for damages this has caused me the consumer. I would like the security department of Experian XXXX XXXX XXXX to reach out to me, so we can solve this matter immediately.
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX XXXX reviewed my credit report and found the following item ( s ) to be in error. I am a victim of identity theft and did not authorize the charges. I reported the theft of my identity to the Federal Trade Commission, and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. 
By the provision of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that's you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C Sec 1681 ( a ), you must complete this investigation within 30 days of receipt of this letter. Please send an update of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who has received my credit report in the past six months
Product: Credit card or prepaid card

Randomly closed good standing account, no late pays, usually paid in full. When accounts were closed it severely impacted credit score. I have worked my tail off for 5 years to rebuild my credit from XXXX to XXXX, now after accounts closed I am back at XXXX. The banks should not be able to ruin your credit when you have 100 % pay and not late pays. I am not the only person this has happened to. This causes higher interest rates which is what most of us were trying to fix. I was so excited when I was finally able to go from a 14 % interest rate to a 6.4 % rate because my credit score was GOOD. Also they told me when I called they informed me of this, they did not. No statement, email or standard mail.
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ITEMS. 
XXXX XXXX XXXX ; XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/2022 ; XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX MI XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX ; XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXXXXXX Balance : {$13000.00} ; XXXX XXXXXXXX Balance : {$160.00} ; XXXX XX/XX/2022 ; XXXX XXXXXX/XX/2022.
Product: Credit reporting, credit repair services, or other personal consumer reports

Shellpoint Mortgage Servicing, after a CARES Act, COVID-related forbearance, tried to get me to enter into a modification without providing me with information about the fact that my credit score would be ruined, and they reported me late on the forbearance amount without my written approval ( i.e., I never agreed to the modification ), and when I realized the XXXX point drop in my credit score occurred, I asked to have the amount on forbearance deferred, which should not result in an impact on my credit score. That deferment has been completed. During the entire process I have tried to explain this to XXXX through the dispute process, and with Shellpoint, to at least 7 people who all refuse to listen, and simply refer me to XXXX, claiming it is their problem. XXXX tells me it is the mortgage company 's issue, since they reported the modification and that resulted in the point drop. I am very frustrated that this has ruined my credit, which was approx. 125 point higher, and consistently in the very good to excellent category for the past 20 years, until this situation caused by Shellpoint occurred. Shellpoint Mortgage Servicing has also changed from XXXX, to NewRez, to Shellpoint and had many impediments to communicating with me, and vice versa for the past 2 years, exacerbating the situation. One of the specialists that I have worked with, XXXX XXXX, at Shellpoint confided with me that my situation is not atypical, and Shellpoint as a company is customarily doing the same thing to many of their customers, i.e., tricking them into accepting a modification and then condemning them to a dramatically damaged credit rating, which prevents them from seeking another loan from one of their banking competitors. This unfair business practice is a violation of the intent of the CARES Act, which was to allow relief to borrowers during the Global Pandemic, allowing them to reinitiate their payments after the emergency had passed, without detrimental affects on their credit rating, etc. I know I am speaking on behalf of hundreds, if not thousands of borrowers with Shellpoint who once had good credit, and are now stuck with this treacherous and predatory lender. I would like the CFPB to share this complaint with others so that they may avoid this lender, their deceptive practices, and indeed know that they have recourse with the CFPB 's protections and actions. Thank you for your help!
Product: Bank account or service

Myself and my husband are charged bank fees, the bank will not reverse charges. We have been able to deposit funds that same day to cover charges / checks that went through. My husband was charged XXXX fees this month on his account, he had always made deposits that same day to prevent fees, now the associates say that was never their policy, after being on the phone for XXXX30 minutes at a time, the associate was very disrespectful and had noknowlddge of his employer
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Experian for failing to properly investigate my disputes reguarding inaccuracies in my credit report. Despite my submissions, Experian consistently responds within 24 hours stating the accounts are accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, which mandates a reasonable investigation of disputes. Furthermore, Experians actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) ( B ), as highlighted in the CFPBs recent administrative proceeding ( XXXX XXXX. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Experian complies with federal law and provides consumers with the necessary proof of investigation. 
Below are the marked inaccuracies on my report : Account info Account name XXXX XXXX XXXX XXXX  Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$4.00} written off. {$8.00} past due as of XX/XX/XXXX. 


Account info Account name XXXX XXXX XXXX Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$720.00} written off. {$720.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Account info Account name XXXX XXXX XXXX XXXX Account number XXXX Account type Secured Loan Responsibility Individual Date opened XX/XX/XXXX Status Paid, Closed. 
Status updated XX/XX/XXXXXXXX XXXX
Product: Credit card or prepaid card

Comenity, the credit card issuer of XXXX MasterCard,  assessed late fee charge to my account, however I believe it was done without merit. I contacted the Comenity via email and phone contesting that late fee, but bank insisted I still owe the late fee, so I decided to file a complaint against the card issuer practices of assessing the late fees. 

The facts : 1. Billing statement for XX/XX/XXXX displayed balance of {$170.00} with payment due date XX/XX/XXXX. That particular billing statement displayed a Late Fee Warning : If we do not RECEIVE your minimum payment by XX/XX/XXXX you may have to pay up to a {$39.00} late fee. Via on line cervices of my bank, on XX/XX/XXXX I created bill payment for {$170.00}, to be delivered on XX/XX/XXXX, one day before due date.Based on my bank 's bill payment history details, my bank processed my order on XX/XX/XXXX and issued a check for {$170.00}. My Bank mailed the check on XX/XX/XXXX and DELIVERED it to Comenity on XX/XX/XXXX, one day before due date. 

2. Next Billing statement for XX/XX/XXXX displayed {$32.00} as a total fees charged ( {$30.00} late fee plus {$2.00} interest charges on purchases ). That statement displays the following : Transaction Date : XX/XX/XXXX Payment - Thank You, - {$170.00}. XXXX. I was surprised to see the late fee charges because, based on my Bank history, I paid balance of {$170.00} on time, one day before the due date ( XX/XX/XXXX ). 

3. On XX/XX/XXXX, XXXX, via on line Comentity services, I sent email asking to credit {$32.00} to my account. I included the copy of the history of that particular payment from my Bank, proving that my bank DELIVERED the check on time. Within 48 hours I got information that I still owe {$32.00} late fee, because, Comenity POSTED the payment on XX/XX/XXXX. 

4. On XXXX XXXX I followed up and spoke with Comenity Representative, trying to resolve, what I felt, was the issue of unlawful assessment of late fee. This Representative admitted that Comenity POSTED my payment of {$170.00} on XX/XX/XXXX. However, was not able to prove when the payment was RECEIVED. Representative stated that, based on the Comenity standards, POSTING date equals RECEIVING date. I contested that on the ground, that the paper billing statement does not provide the definition of receiving, and, or posting dates. Actually, the term " posting '' is not mentioned at all in the Late payment warning statement. 

5. I paid the {$32.00} late fee charges on XX/XX/XXXX to avoid additional late fee charges. However, I still feel that Comenity practices are very deceitful. I sent Comenity profs from my bank that payment was DELIVERED on time ( one day before the due date ), but still was faced with the late fee/interest charges. 
It appears to me that Comenity did not POSTED my payment on time, after RECEIVING the check on time, on XX/XX/XXXX. That is the reason I feel the late fee assessment is not justified. 

6. I will attach the correspondence I exchanged with Comenity in step 3.
Product: Credit card

I have XXXX active retailer credit cards issued through Synchrony Bank, Crate & Barrel and TJMaxx. 

I have switched at times from paperless billing to paper billing to better keep track of bills. I noticed today after going online to research my payments, that the bank is charging {$1.00} a month for paper statements for all balances over {$2.00}. Ironically, copies of my statements are only available for XXXX and XX/XX/XXXX. It states " Missing statements may be due to a lack of activity or changes in your Paperless Statement enrollment status ''. I can't tell if they only post on line the statements if you receive them electronically or hard copy. 

I'm not sure how this was ever disclosed to cardholders. I surely do not remember receiving any information. 

The TJMaxx first charged {$1.00} on XX/XX/XXXX for paper billing. I have not received any charges for paper billing on the Crate & Barrel card even though I have received some paper bills.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report # XXXX. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the lawThis is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 


Please remove/block the following accounts as they are fraudulent & were opened without my consent or knowledge XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX  XXXX, CA XXXX, XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX If you claim these accounts are 100 % accurate and verifiable then I need you to provide me with copies of any documentation associated with this account which bears my signature, as I know none exists. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number.
Product: Credit reporting or other personal consumer reports

This account is closed, balanced is in correct, this account was sold at a auction and gap insurance paid the balance on this an account that closed can not incur interest. this is a violation to me the account is closed, their should no updating on this account last payment made on account was XX/XX/2018. nothing should reporting since then account has been paid off already and due to many violation to me and my credit report. XXXX are all violated here. I was my rights were violated in so many ways, I was not told the sold that and auction date. I did not know any of pricing for sale of car. I didn't approve of sold price at auction. I was told about sale price after it was sold at auction.
Product: Credit card or prepaid card

XX/XX/2023 Somebody that was over my house stole my credit card and made a purchase of {$100.00} and I contacted XXXX and they said to contact my bank. So I did and they said they couldnt reverse the transaction and being very rude and had a attitude and the company is capital one
Product: Checking or savings account

XX/XX/2022 opened a business account for {$31.00}. The company name is XXXX XXXX. The company closed the bank account immediately. The money remaining in the account including the cost to open the account have not been returned. It will be both the {$31.00} and the remaining balance in the account {$110.00}. XXXX XXXX XXXX wise.com as well as called customer support multiple times without success returning money.
Product: Money transfer, virtual currency, or money service

I am filing a complaint a

gainst Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Debt collection

I contacted them and they told me that they didn't have any information but I still have a collection reporting negative
Product: Debt collection

To whom this may concern ; I am contacting you in regards to a dispute that is currently being reported inaccurately on my credit report ( XXXX and XXXX ) from collection agency Lockhart Morris & Montgomery.

Lockhart Morris & Montgomery is reporting a unpaid debt ; from XX/XX/2017 to this current date, totaling in the amount of {$5800.00}. 

On approximately XX/XX/2017 ; I received an email from a collection agency, XXXX XXXX XXXX XXXX, Account Supervisor : XXXX XXXX in regards to a settlement offer for {$1000.00}. 
Once paid, the debt would be considered settled in full. 
On XX/XX/2017 a payment of {$500.00} was made to XXXX XXXX XXXX XXXX. 
On XX/XX/2017 a payment of {$500.00} was made to XXXX XXXX XXXX XXXX. 
On XX/XX/2017 I received a email and receipt confirming the account is fully satisfied, from XXXX XXXX XXXX XXXX Account Supervisor : XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance to the Fair Credit Report Act XXXX the following account numbers, have violated my rights. 
XXXX XXXX Account Number XXXX, XXXX XXXX XXXX  Account Number XXXX, XXXX XXXX XXXX Account Number XXXX 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 stats a consumer reporting agency can not furnish a account without my written instructions
Product: Credit card or prepaid card

I need help resolving my issues with American Express. My last follow-up to American Express on this matter was on XX/XX/XXXX/XXXX ( EDT ) -contact with several American Express customer service representatives regarding an unauthorized transaction and a letter stating the proverbial " ..be responsible for '' to my credit card-again- on XXXX XXXX, XXXX in the amount of {$730.00}, '' which has taken an inordinate effort on my part, at least 10 times in writing and via phone calls since XXXX XXXX. Through XXXX, I made reservations for the XXXX XXXX. Since this has unfolded as an unnecessary series of frustrating events, it was unbeknownst to us, that the transaction was not processed by XXXX, but sent to a THIRD PARTY, XXXX. A family emergency necessitated cancellation of our reservations, which we did directly with the XXXX XXXX well in advance of the planned stay. Nonetheless, the next AmEx billing statement included the FULL charge of {$730.00}, which we both have we now have disputed multiple times as my husband IS AN AUTHORIZED USER and through multiple platforms since the charge hit my bill. Im very concerned about the toll this is taking on me and my MANY attempts to rectify these issues with all three parties through email and endless hours on the phone over the course of almost seven monthsseemingly to no avail. At no time did I/we conduct business with XXXX. XXXX  recitation of their contract is invalid ; it is not a contract to which we were a signatory. The XXXX has been steadfast in supporting a full refund of {$730.00}, waiving any cancellation fee, and MOST IMPORTANTLY, the XXXX never charged XXXX virtual card. XXXX is prospectively attempting to be unjustly enriched, without having provided a product/service/merchandise. Regardless of XXXX ( undisclosed to us at the time of the XXXX booking ) policy, it is incomprehensible that XXXX would get to retain the full amount. We were not a party to XXXXs engagement with XXXX, therefore can not be bound by what is effectively described as a contract. Finally, nothing XXXX did in the performance of their work warrants retaining the full {$730.00}. They have not demonstrated any costs incurred no cancellation fee charged by the merchant ( XXXX ), no reduction of abilities to secure rooms in the future at the XXXX short, no actual or unrealized costs. Below is the official position of the merchant-the XXXX XXXXreiterating their advocacy of my reasonable requests and pleas, along with documentation the XXXX directly contacted XXXX on several occasions and conveyed the same set of facts and proofs. Thanks in advance for a positive result in this investigation. XXXX XXXX XXXX  XXXX ( XXXXXXXX XXXX )
Product: Credit reporting

Equifax Credit Information Services , Inc is repeatedly violating the Fair Credit Reporting Act by not sending me signed, written verification or validation of a Bankruptcy that showed up on my credit report, Changing the dates on debts that are reported on the credit report to prolong the length of time that the debt is reported on the report. I send Equifax several letters requesting signed, written verification or validation, They just send me back a letter as soon as they can stating that the debts are verified. I happen to know for a fact that the XXXX XXXX account is not mine and it 's been on my credit report for over seven years and they will not remove it. There are numerous Inquiries that are on my credit report from companies that I have never heard of and they will not remove them. So I called the XXXX Court and I was told by them that they do not, will not and never will report to the credit reporting agencies due to privacy laws. Equifax is saying that these debts are verified, Who is verifying them??? I have attained legal counsel and will be filing a lawsuit as soon as possible due to the fact that Equifax has violated the FCRA Laws without total disregard to the damage it does to consumers. Equifax has just settled a class action lawsuit over this exact same issue, I am a part of the suit class. If you need any more information, Feel free to call me at this number, XXXX XXXX XXXX XXXX. XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I request a credit freeze/block/pin for XXXX, XXXX, XXXX and Lexis Nexis XXXX