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

Statement of Fact : Congress found that the purpose of the Fair Credit Reporting Act ( FCRA ) is to require that consumer reporting agencies ( e.g. XXXX, XXXX and XXXX ) adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance and other information in a manner which is fair and equitable to the consumer. 




XXXX  Facts : XXXX is aware and has proof in the attachment labeled as Exhibit B. ( XXXX XXXX XXXX XXXX ) Account number # XXXX, ( XXXX XXXX XXXX XXXX ) Account number # XXXX is in violation of several laws in regard to how they are reporting and are stated as follows : 15USC1681-A 15USC1681s-2 15USC1681a 2 ( A ) ( i ) 15 USC 1681 ( d ) ( 1 ) The inaccurate reporting of both my account status and payment status by ( XXXX XXXX XXXX XXXX ) Account number XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX  ) Account number # XXXX is causing harm to my credit reputation and financial standing. 

All items listed in Exhibit B are invalid, inaccurate, not timely and carry no documented evidence, it is damaging to my character, creditworthiness and well being by falsely stating those non compliant unverifiable accounts on my report
Product: Mortgage

I called on XXXX/XXXX/XXXX. I was told that I am not a borrower according to their records. I was present at closing and signed as a borrower. I was forwarded to the Resolution Dept. I sent them documentation. A clerical error on the closing cover page names me as a non-borrowing spouse. ( My son and I applied for the loan. ) The closing agent said its ok since Im named/signed as a borrower throughout the closing papers. I was told on XX/XX/24 that the only way to resolve this is for my son to refinance the HELOC at this time. XXXX XXXX XXXX XXXX contacted them twice, but they did not response.
Product: Credit card or prepaid card

I owned a best buy credit card - I have been a best buy credit card holder for the past 5 years and I only have used the card at the store. 

I noticed charges on the card that I have never made to the Citibank. 

All the transaction on the account have been made in New York. I have not made those transaction I live and reside in Florida. 

Can someone please assist me?
Product: Money transfer, virtual currency, or money service

Had two Unauthorized transactions through cashapp to an account using a fake name. One for {$390.00} on XX/XX/XXXX and another for {$410.00} on XX/XX/XXXX. Reached out to cash app and they said they werent able to do anything. Filed a cfpb complaint early XXXX and they investigated before denying my claim once again without providing additional information even though I requested it.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have XXXX closed fraudulent accounts on my credit report. ive tried reaching out to XXXX XXXXXXXX, and XXXX and nothing has been done. this is very frustrating because i am a XXXX XXXX  trying to get personal loans in order to provide for myself during the school year and keep getting denied for everything that i apply for. the XXXX accounts is from XXXX XXXX XXXX for XXXX dollars which was opened XX/XX/XXXX and the only reason that i didnt find out sooner is because my parents ran my credit for me and i just started to look into it. also there is another fraudulent account with synchrony bank paypal credit card which is closed as well for XXXX opened on XX/XX/XXXX of XXXX. I have been trying to resolve these issues for the past 3 weeks and nothing has yet to change. so i went on XXXX and researched for hours and found cfpb hoping that you guys are a legit company and can help me with my ongoing issues.
Product: Credit reporting or other personal consumer reports

I am writing to formally register a complaint regarding the persistent and unresolved issues with late open account that continue to appear on my credit report. Despite multiple diligent attempts to rectify these inaccuracies, they persistently impact my credit history and financial standing. 

To provide context, I first identified the presence of late open accounts on my credit report. Since then, I have conscientiously followed the prescribed procedures for disputing and rectifying these inaccuracies, including the submission of supporting documentation and evidence of the inaccuracies. 

Here is a summary of the actions I have taken in my endeavor to address this issue : I promptly contacted your agency and filed a dispute regarding the late open accounts. I submitted all necessary documentation to substantiate my claims, which included proof of timely payments and communication with the creditors in question. 

After not receiving any resolution or updates on my dispute, I initiated follow-up inquiries, during which I was informed that the investigation was still ongoing. 

Subsequently, I submitted additional disputes, reiterating my concerns and supplying any supplementary evidence that was requested. 

I have persistently attempted to communicate with your agency 's customer service department via phone and email to inquire about the status of my dispute, yet I have not received a satisfactory response. 

Despite my repeated efforts to rectify this situation, the late open account persist on my credit report, inaccurately reflecting my credit history and detrimentally affecting my financial opportunities. 

I understand the importance of accurate credit reporting, and I firmly believe that your agency has a responsibility to ensure the correctness and integrity of the information within my credit file. Therefore, I respectfully request the following : A thorough and expedited reevaluation of the late open account on my credit report. 

Immediate correction of the inaccuracies by removing the late open account from my credit report. 

A detailed written response that outlines the results of the investigation and the steps taken to rectify my credit report. 

Assurance that measures will be put in place to prevent future occurrences of such inaccuracies. 

I anticipate a prompt and meaningful response to this formal complaint within the exact time frame from the date of this letter. Should my concerns not be adequately addressed, I may need to pursue legal remedies to rectify this matter. I am asking for your immediate assistance to correct this account : XXXX XXXX XXXX XXXX  Balance : {$7300.00}.
Product: Credit card

In XXXX, I noticed that Citizens Bank had charged me double for transactions that I had already paid for. On [ specific date in XXXX, unknown ], I contacted the bank 's customer service. The original representative confirmed that the charges on my statement were incorrect and advised me to check back later for the payment to clear. She mentioned that it could take some time since I made two payments in the same month, with one payment in the middle of the month. 

Following her advice, I checked again after a few days, but nothing had changed. On [ XXXX, XXXX ], I contacted customer service again and spoke with two different representatives. Instead of resolving the issue, they argued with me about the charges. Despite my attempts to explain the situation and the previous representatives confirmation, they were unhelpful and dismissive.

I was on hold with the fraud department for over an hour, on top of multiple frustrating calls with other agents. This prolonged hold time and the unprofessional behavior of the representatives have caused significant frustration.
Product: Credit card

I believe that Bank of America unfairly charges my credit credit just by purchasing a flight ticket from XXXX XXXX which is XXXX a Foreign Transaction Fee of {$47.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

ACCOUNT OPENED XX/XX/XXXX CAR WAS TOTALED ON XX/XX/XXXX CLAIM WAS MADE WITH XXXX XXXX ON XX/XX/XXXX THE THE REMAING BALANCE OF THE VEHICLE TO XXXX XXXX WAS PAID ON XX/XX/XXXX SETTLEMENT VALUE IN THE AMOUNT OF {$28000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, my name is XXXX XXXX and the reason i am writing is to correct an error that i see on all of my credit score reports. I have contacted The Creditor " Compass Bank multiple times everyday and they still do nothing to resolve the problem on my Credit report. Here is The Credit Card Number : XXXX XXXX XXXX XXXX. " Compass Bank '' is reporting a false missed payment on my report. I called " Compass Bank '' and i spoke to Supervisor XXXX XXXX and he agreed that it was a mistake on behalf of Compass Bank and that all my payments were on time and that i should see no late payments or missed payments on my credit reports. I am asking them to please correct this error on my report. 

After waiting 1 month the late payment still shows on all of my reports, i called The Creditor " Compass Bank again and i spoke to Supervisor " XXXX XXXX '' and i sent him proof of my bank statement showing more than enough balance to make the payment and he saw that i did have enough funds in my bank account to pay the balance and he also saw that i made multiple payments and The Creditor " Compass Bank kept reversing my payments. 

The Creditor " Compass Bank is giving me a hard time, i am a single mother and this credit score is affecting my character as a consumer, i have spoken to my lawyer and he saids this is defamation of character and that i can be compensated for this, he also said to try reaching out by the Cfpb to see if anything could be solved before filing the lawsuit. I have been disputing this issue for 2 months and they have yet to resolve the problem.
Product: Mortgage

I have a home mortgage with Capital One Home Loans. 5/1 ARM. As their rates are not in line with the market, I decided to repay the mortgage. I asked for a payoff letter on XX/XX/2017 with a good through date of XX/XX/2017, which was {$550000.00} ). I paid {$250000.00} ( as XXXX only permits {$250000.00} wire per day ) on XX/XX/2017 ( Fed Ref No XXXX ), {$250000.00} on XX/XX/2017 ( Fed Ref No XXXX ) and {$61000.00} on XX/XX/2017 ( Fed Ref No XXXX ) ( which includes the per diem interest rate through XX/XX/2017, that was provided on the pay off letter ). On XX/XX/XXXX, my Capital One account did not show credit of my wires and still showed the full principal outstanding. On XX/XX/2017, my Capital One account showed principal balance of {$310000.00}, and on XX/XX/2017 the principal balance on my Capital One account was {$250000.00}. As of XX/XX/2017, it still shows {$250000.00} as the outstanding principal balance. I have made 2 calls thus far to find out about the {$250000.00} wire that was already made ; however, neither representative was able to locate the wire transfer. My call on XX/XX/2017 with a " supervisor '' at Capital One said that she will be contacting the account receivable department to see if the {$250000.00} was applied to the wrong ledger and that it will be credited back to my mortgage account once they are able to find it. I can not comprehend how a bank can misplace a wire for 7 days. How are they documenting/accounting for this internally? As a securities attorney, I can only imagine that their internal controls are a mess and I respectfully request that there be a thorough audit of this bank so that other consumers are not left in my situation without recourse.
Product: Credit reporting, credit repair services, or other personal consumer reports

I closed my XXXX XXXX account on XX/XX/2023. My XXXX XXXX report shows incorrect information for items that were returned. The amounts that were returned were trial deposits from an external bank. There are other inaccuracies as well
Product: Money transfer, virtual currency, or money service

Upon checking my credit report and this account, I saw that my account and identity in a whole was compromised, which I had no knowledge of.
Product: Credit reporting

I dispute an incorrect item on my credit report, they completed their research and emailed me. The problems are : 1.They issued a response which had XXXX way to contact them. Their website has XXXX way to contact them. The phone numbers listed are not useful if you can not get a hold of the correct person. 2. The response was not clear. I either could not see an actual response or they copy pasted my credit score details as the response, leading me to believe they misunderstood the dispute. 3. They gave me 4 days to review, due to my schedule I did not get a chance to review until after the 4th day and the response is gone and with no way to contact them, I can not re-open this issue except to start over.
Product: Checking or savings account

Attempted to withdraw {$4000.00} from my apple wallet to my XXXX XXXX XXXX  account as I have done many times before. My balance is currently over {$8000.00}. When attempting to confirm the amount to withdraw my XXXX ( currently up to date with all updates installed and recently restarted ) encounters a bug that does not allow the withdrawal to go through. I have a screen recording available upon request. 

The ONLY way to withdraw funds is via the app. You can not call their customer service like a normal bank to have the funds withdrawn. This means that there is a single point of failure in withdrawing funds, and therefore they are holding my money hostage. I believe this should be illegal. Banks should not be able to hold your money due to software issues, and should be required to provide multiple avenues to remove funds. 

It's also very suspicious that this " bug '' is happening right around the time they lowered the interest rates earned on the account. I would like the government to investigate this, and change the rules around the ability for consumers to be able to have multiple methods to withdraw their funds.
Product: Money transfer, virtual currency, or money service

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  United States I also added funds on XXXX  in the amount of {$600.00} as well as XX/XX/ I added {$600.00} and XX/XX/ I added {$600.00} totaling to {$2400.00} to pay my credit builder. For a month straight the customer service claimed to see the payments processing and would tell me that my balance and available spending would update but it never did. After calling to see what the issue was with the payment I was told that they no longer could see the payment at all and there was nothing to update as well as no information to provide.
Product: Credit reporting or other personal consumer reports

I am writing to address the inaccuracies in my credit report, in accordance with the provisions of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681e ( b ). This will mark my third attempt to have the following items removed, as I have identified several discrepancies that need to be rectified.

The first issue pertains to three accounts from XXXX XXXX that are inaccurately listed under one account number ( XXXX ). Despite being two auto loans and one credit card, they are erroneously grouped together. Furthermore, these accounts were sold to a collection agency ( XXXX XXXX  ) in XX/XX/XXXX, resulting in different balances being reported. Despite my request for validation of this debt in XX/XX/XXXX, I have yet to receive any response or validation from XXXX XXXX. 

In addition to the aforementioned discrepancies, I also want to address the 18 inquiries on my credit report that were erroneously placed without my consent. Despite explicitly requesting that my credit not be pulled, a car dealership initiated these inquiries after I provided them with my credit report. The dealership subsequently acknowledged their error and sent letters to the credit bureaus requesting the removal of these inquiries. I have enclosed copies of these letters for your reference.

I am attaching copies of my Driver 's License, Social Security Card, the letters sent to XXXX XXXX  and the credit bureaus, as well as my formal last letter detailing the discrepancies on my report and referencing the applicable laws. 

I urge you to investigate these discrepancies promptly and take the necessary actions to ensure the accuracy and integrity of my credit report. Your cooperation in resolving these matters is greatly appreciated. 

Thank you for your attention to this important issue. I look forward to your prompt response.
Product: Payday loan, title loan, or personal loan

I obtained a pa yday loan through Quick Credit in   XXXX , Alabama, recently things went badly for me, and my husband of 6 years left me and my  XXXX  children. Though I do work full time I am struggling to pay off debt. I contacted a debt consolidation company over a month ago, to help me consolidate all my credit cards and loans in to 1 single  payment a month fit for my income, and they will take th e 1st payment   XXXX   XXXX   2017, Quick Credit has called my phone, my job, friends and family relentlessly!!   They harass me on a daily basis!! I told them about me going through the debt consolidation place and they got very very nasty, saying they are n't participating in this program, and demandin g Money NOW!! I owe them over {$780.00} and the debt consolidation place is going to send them a propos al a week prior  to  XX/XX/XXXX , stating they  will pay them   XXXX   XXXX   monthly!! But as I said they state they are n't participating and constantly harassing me!! I do n't know what else to Do!  XXXX   XXXX   XXXX  the debt consolidation place referred me to reporting them here!
Product: Credit reporting or other personal consumer reports

back in XX/XX/year> i sent in all my information because i wasnt able to get a 3credit pull because EQUIFAX have some type of lock on my file that im not aware of so after i sent in all the documents they took it off and i was able to get a 3credit pull i receive one in XXXX AFTER XX/XX/XXXX of me sending in a complaint to the CFPB my credit is back to doing what its doing i cant pull my credit at all i dont know whats going i have called them XXXX plus time and talked to so many managers they rude and disrespectful and hangs up this is crazy
Product: Credit card or prepaid card

I have a Ashley Store Card with Synchrony Bank.I have minimum payment of {$36.00} made on XX/XX/XXXX but my payment date on XX/XX/XXXX they charge me a late fee of of {$30.00} with no grace period but waive {$30.00} but still have to pay {$67.00} on XX/XX/XXXX instead paying the minimum.I cant afford to paid the {$67.00} only can paid the minimum so going to charge another late fee where I be in default.Seen to me Synchrony Bank price gouging.This to me illegal seem to me there so be a grace period put in place.Should file a lawsuit.
Product: Credit card

Citi closed my account because my account was automatically withdrawn on from my bank account each month. I had requested on at least three occasions to change the automatic deduction date because the balance in my bank account would be less than the deduction amount - hard to reconcile when deductions are delayed on multiple automatic withdrawals. I would make payment on the balance in a day or two each time to correct. The main reason why they closed my account is when I requested XXXX benefits when my husband went on his XXXX XXXX tours in XXXX they would not honor the XXXX interest rate reduction to 6 %. I called requesting it and my husband called requesting multiply times. They refused to and closed the account instead. I had my credit card XXXX  XXXX XXXX since XXXX and my credit limit was {$29000.00} so I established a great rapport with them over the years. Subsequent to this, I paid off the account balance while being charged interest each month. The balance was paid off in full in XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The account list below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX # XXXX, Account Name : XXXX XXXX  XXXX XXXX XXXX, Account name : XXXX  # XXXX, Account name : XXXX XXXX XXXX XXXX XXXX , Account name : XXXX # XXXX, Account name : XXXX  # XXXX, has violated my rights. 

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 or 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: Credit reporting or other personal consumer reports

I'm writing to communicate my anxiety in regards to the contested records on my credit report. On various occasions, I have raised the issue of errors in these records, and have reliably mentioned that they be totally examined. In spite of my endeavors, I presently can't seem to get any goal or restorative activity. These wrong records are seriously harming my credit document and blocking my capacity to carry on with a typical life. The adverse consequences of these mistakes have caused colossal difficulties for me, and I'm left with no decision except for to argue for your help with amending what is happening as quickly as time permits. I sympathetically demand that you direct a careful examination concerning the revealing of every one of these contested records. It is basic that the vital advances are taken to refresh and redress my credit report right away. With your assistance, I desire to reestablish the exactness and respectability of my credit record so I might recapture command over my monetary prosperity. I genuinely ask you to offer this matter your most extreme consideration and make a quick move. Your collaboration and backing in settling this issue quickly would be extremely valuable. Much obliged to you ahead of time for your comprehension and help.
Product: Credit card or prepaid card

I ordered multiple items from XXXX and there was a problem with their system that day so I had to call to speak to a customer service representative. When she processed my order she put in the wrong street name even though it was already correctly in on my account online. I later received an email and noticed that the street address was wrong and called to correct it, it was never corrected even though I made several calls to ask them to correct it. All the items were shipped out to an undeliverable address and the items I ordered for XXXX, On XX/XX/XXXX, were not going to make it here for XXXX. I was told I could reorder them, but they would not credit my account until after 10 days. I was also told it would cost me more money at this point. I asked to cancel the order. I never received the items. For some reason two items were sent here I went to a XXXX store and tried to return them, but when the clerk tried to return them it said that I was already credited for them. She then shipped them back for me and XXXX only credited me for one of them! I have literally spent hours, at least 6 on the phone with XXXX customer service. Sometimes I have been put on hold only to be hung up on after holding for over 30 minutes. I have been told the charges are all removed yet there is still a little over 29.00 on my account. I did not receive any items but the two necklaces and I returned them both so there is no reason for there to be a charge. I returned these items on XX/XX/17 so I can not understand why XXXX cant get this resolved by now. Its outrageous. Ive also asked they close the accounts but havent. I have cut our cards up thinking the account was closed and this was resolved as they told me it was, but now that it isnt they wont give me my account number