23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I never got an invoice last month from Comenity Bank Credit Card. I had no idea I had a balance ( {$75.00} ). Eventually, Comenity Bank texted me to tell me. I contacted them IMMEDIATELY and authorized them to take the money out of my bank account. Over a week later I was contacted by XXXX AGAIN to tell me they for some reason couldn't take the money out of my bank account, so I told them I would mail a check then. I immediately went into my checking account and the bill in full. Because I never received the bill, they even took off late fee and interest fee. I was also told that this would NOT be reported to XXXX, XXXX. When I saw the negative rating on my credit reports, I immediately called XXXX. They told me they could not do anything about it and that they NEVER told me it wouldn't affect my credit ( this is not true - they told me this )
Product: Credit card

On XX/XX/XXXX I got a email from Capital one business about referral bonus of {$1000.00} per referred account after approval upto XXXX referrals. 
In last week of XXXX i referred a business account, which got approved for Capital one business XXXX XXXX card with annual fee of {$390.00}. 

I received a letter dated XX/XX/XXXX in first week of XXXX to verification of EIN of my business corp. with wrong last four digit of my card. When i came back from overseas trip on XX/XX/XXXX, I talked to capital one customer service Rep. she advised me to cross out wrong last 4 digit and put right 4 last digit and fax those with EIN verification documents. 
On XX/XX/XXXX at XXXX clock am I faxed capital one letter with verification documents and i also mailed one copy to address mention on letter. 
Even after sending everything capital one had my card restricted. Yesterday I checked capital one has closed my business card without issuing my referral bonus of {$1000.00}
Product: Debt collection

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX Social Security # XXXX DOB : XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, Texas XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX  XXXX, XXXX, GA XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX, XXXX, PA XXXX XXXX NON-FCRA OPT-OUT TAKEN - HARD INQUIRIES DISPUTES : I have opted out of my public information with XXXX, and I believe that requesting the deletion of any inquiry based on any legitimate connection to a public record vendor such as XXXX is within my rights under the Fair Credit Reporting Act ( FCRA ), the Fair and Accurate Transactions Act ( FACTA ) and the Fair Debt Collection Practices Act ( FDCPA ). In review of the numerous hard copy disputes on my credit report, I am requesting only the proper protocol to be adhered to in order to maintain the legitimacy of the hard inquiry, that includes an actual name of the person involved with any company that pulled a hard review of my credit history, but in addition a copy of the actual report ascertained from such a review. If these items can not be produced, then by deductive reasoning the hard inquiry is bot 100 % legitimate. Accordingly, under review of 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( a ), I request the deletion of the following lists of hard inquiries as follows : I demand my rights be protected based on the XXXX Edition of the Privacy Act published by the U.S. Department of Justice. 
LISTINGS OF ALL HARD INQUIRIES I DISPUTE AS DAMAGING TO MY CREDIT PORTFOLIO PLEASE DELETE THE FOLLOWING UNAUTHORIZED INQUIRIES : SENSIBLE AUT XXXX XXXX XXXX XXXX XXXX, CT XXXX XX/XX/XXXX IMMEDIATE ACTION REQUIRED : PLEASE INSERT A BLOCK ON MY FILE FROM ALL FUTURE PROMOTIONAL REVIEWS THE FOLLOWING ATTACHED REVIEWS OF MY CREDIT IS A DISASTER AND I WOULD HAVE NEVER HAVE AUTHORIZE SO MANY REVIEWS. I HAVE DELETED ALL APPLICATIONS SUCH AS CREDIT KARMA AND CREDIT XXXX. PLEASE DELETE ALL OF THE ATTACHED CREDIT REVIEWS AS THEY WOULD HAVE NEVER BEEN AUTHORIZED. PLEASSE BLOCK MY CREDIT REPORT INFORMATION FROM ALL UNAUTHORIZED INQUIRIES FROM THIS POINT FORWARD : This letter is addressed to the subscriber furnishing the information on my credit reports, and if this letter is addressed to any credit reporting agency, then it is considered a ghost letter mirroring the actual request for documentation of a credit trade line I may have issues with. It is my understanding that each credit reporting agency has an obligation to maintain accuracy within the banking/credit community, and I will fulfill my obligations to work within the credit system as it was designated. 

Thank you for your full consideration in this matter. 


Sincerely, XXXX XXXX
Product: Credit card

I have a credit card with Wells Fargo Bank. Payments are due on th XXXX of each month. I have an automatic bill payment set up with XXXX to occur on the XXXX and arrive by the XXXX. For XXXX months in a row, Wells Fargo has not received/posted my payment until after the due date. Two weeks after the payment generated to them. I beleive Wells Fargo is delaying posting. There is no reason why a bill pay check between XXXX of the biggest banks in the world takes two weeks for delivery. Wells has reversed the XXXX fee when I called them. Im not sure if they will handle the XXXX fee since they told me it was a one time " courtesy ''. They could not explain why the delay, saying only that the posting date was the date of receipt. They encouraged me to have WFB draft the payment against my XXXX account. However, I want the process to work as it has for several years of having this account. Prior payments have never posted this late. 

There seems to be some fraudulent activity here to inappropriately charge customers fees that are not of their doing.
Product: Student loan

I am in debt with Sallie Mae and it is a delinquent loan because I have been ACTIVELY looking for work ( no results yet ), but I have an unpaid internship with a company that may hire me. However, Sallie Mae keeps calling on an HOURLY basis ALL week even Sundays after hours ( XXXX ) while I am at church with my family or working.They even had the nerve to ask for my internships number! The tone is demeaning and rude, I feel extremely harassed. Not only that, they have also called my parents at home and at work ( My mom gets calls on her company phone number at work and she is a hairdresser that gets paid by the hour ... so when they call she looses business ), my grandma in another state, and my fiance during classes! I want to pay my loan but until I get the loan re-structured or get a job I can not pay my loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am XXXX XXXX submitting this without any influence and this is not a third party. 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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX 15 USC 1681 Section 602 A- States I have the right to privacy.

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions. 

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years. 

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

Subject : Request for Removal of Unverifiable Account Dear Credit Reporting Department, I am writing to formally request the removal of an account from my credit report as reported by [ TransUnion ]. This request is based on the recent deletion of an account by XXXX, one of the four major credit reporting agencies. I recently disputed a charge-o for { {$1000.00} } from { XXXX XXXX XXXX XXXX XXXX XXXX / or The company listed on my XXXX report, and following a thorough investigation, XXXX has completely removed this unverifiable debt from my report as of { XX/XX/year> }. 
According to the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ), all consumer reporting agencies must ensure that information in consumer reports is accurate, fair, and verifiable. 

Since XXXX has removed this account after its verification process, I request that you do the same and remove this unverifiable account from my credit report. 

Supporting Consumer Laws : FCRA Section 611 ( 15 U.S.C. 1681i ) requires that inaccurate or unverifiable information must be deleted from a consumer 's credit file. I am exercising my right. 

to ensure that my credit report remains fair, accurate, and free of unverifiable information. Since XXXX has deemed this account unverifiable and removed it, you must take similar action. 

Additionally, under FCRA Section 623 ( 15 U.S.C. 1681s-2 ), information suppliers must report only complete and accurate information. With XXXX having deemed this information unverifiable, I urge you to align its records accordingly. 
Please provide confirmation of this removal within 30 days of receipt of this request. If the account is not removed, I am prepared to pursue further actions, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal action under the provisions of the Fair Credit Reporting Act ( FCRA ), including Section 616 ( 15 U.S.C. 1681n ), which allows consumers to seek legal recourse for willful non- compliance, and Section 617 ( 15 U.S.C. 1681o ) for negligent non-compliance.

I appreciate your prompt attention to this matter, as it directly impacts my credit report 's integrity. Please notify me in writing once this deletion has been processed. 
Thank you for your immediate attention to this request.
Product: Credit reporting or other personal consumer reports

Report Number XXXX with Experian dated XXXX pertaining to reporting from and with XXXX XXXX XXXX Bank for late payment dated XXXX of XXXX. Consumer advised Experian that they were in clear violation of my federally protected consumer rights pursuant to : 1. 15 USC 1681 as I, the consumer, DID NOT give written consent for reporting. 
2. 15 USC 6801 for sharing non public information. 
3. Privacy Act of 1974 4. 15 USC 1666b as no late payments should be reported on my consumer report.
Product: Credit reporting or other personal consumer reports

placed an order for XXXX XXXX XXXX XXXX XXXX XXXX  phone recived a generaic phone from the company i purchased from and phone was also broken I contacted the merchant and was told to return the iteam which i did and never recived a refund for it. i filed a dispuite with XXXX XXXX  they never investaeted it just said their was nothing they could do by law. since when is what i want to know this is the banks job. I also orderd a sansung XXXX XXXX XXXX XXXX XXXXXXXX XXXX  that was delivered to me broken i returned the phone and was orovided shipping label and never hrard or got a response back from anyone. so i dispuited that charge.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am attaching the letter that I sent to Equifax, XXXX XXXX XXXXXXXX XXXX on XXXX XXXX. More than 30 days have passed, and they have not responded yet.
Product: Checking or savings account

I have a overdraft account that is very messed up my name is XXXX XXXX and the matter isn't resolved and it's very overdraft by XXXX so I would like a compensation or to sue them as a bank.
Product: Credit reporting or other personal consumer reports

I never receive any of the service from this company and my information was fraudulently used.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised that as of ( XX/XX/XXXX ) as listed on my most recently reviewed consumer report, there are unverified accounts listed. As a reference, please see the below accounts in question XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX $ XXXX XXXX XXXX I want to be explicitly clear with my request. I am not requesting validation of debt ; but instead, I am requesting verification of the debt. It has become increasingly clear that you are being willfully negligent in rectifying my affairs. Over the past year I have made subsequent attempts to have these accounts reasonably investigated in accordance with both the Fair Credit Reporting Act and Fair Debt Collection Practice Act. Starting 30 days from the day you receive this letter ; I am demanding you furnish the supporting documents and PROBABLE evidence that I have any obligation to the abovementioned accounts. If you are unable to produce said requirements within the generously allotted threshold, by federal law you are required to remove the accounts from my consumer report without prejudice.
Product: Checking or savings account

The morning ofXX/XX/XXXXwe were notified of low funds in our account. We logged into our Chase Bank app to find that three separate ATM withdrawals had occurred the day before in XXXX XXXX ( all three were still listed as pending ). The first took place at onXX/XX/XXXX at XXXX XXXX XXXX, XXXX XXXX for {$XXXX}, the next onXX/XX/XXXX at XXXX XXXX XXXX for {$XXXX}, and a third also onXX/XX/XXXX at XXXX XXXX XXXX for {$XXXX}. We notified Chase on their fraud phone number as soon as we saw the withdrawals. They said that they would reverse the transactions while they investigate. 

OnXX/XX/XXXX, we received a notice from Chase saying that they were denying our credit and were going to take out the total {$XXXX}. When asked what the reason behind this was, XXXX on XX/XX/XXXX said that it was because after the transactions took place our account was logged into multiple times, and it was a chip to chip transaction. We did not take the money out, nor were we in the city of XXXX XXXX on either of those days. 

We are currently in the process of filing a police report to obtain the videos at both ATM machines, but we are unsure how long this will take. 

Please help!
Product: Checking or savings account

Yesterday we opened the mailed and received a letter from CitiBank stating that they were closing our dispute for the {$4700.00} for the Wire Fraud due to not receiving the paperwork back that they requested. Now that's a lie, if you look at CFPB case # XXXX I attached it there as well after I faxed it. 

Please investigate the Wire Fraud and I'm attaching the paperwork to this case as well.

Also CitiBank closed my son 's account stating that they didn't want to do business with him. I think they're being bias and XXXX because he was a victim identity theft they're treating him like a crook. by closing his case. 

CitiBank also put him in XXXX XXXX  and it's causing him not to be able to get another checking account, and they did this prior to them completing the investigation.
Product: Money transfer, virtual currency, or money service

Last XX/XX/XXXX at about XXXX XXXX while Im at work, I got a call from Citibank. I knew the call was from Citibank because I have that number in my phonebook. After the guy introduced himself as a Citibank associate, he asked me if Im trying to purchase something from XXXX at the moment. I said No, Im at work. He said well, somebody is trying to make some unauthorized transactions in your account right now. Therefore, we have to cancel your atm card and order you a new one for security purposes. I said just do what you got ta do. I spoke to him for about 15-20 mins. During the conversation, he sent text to my phone with a code and asked me to read it back to him. Since I knew that I was talking to Citibank I read the code back to him. At the end of the conversation, he suggested that I proceeded to a Citibank branch to also close my account and open a new one. I went to the XXXX branch on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to do that. While Im at the bank waiting, I used the Citibank app to check my account. Thats when I noticed 3 different wired transfers totaling {$3700.00} to a certain XXXX XXXX I almost had a XXXX XXXX. I spoke to a banker by the name of XXXX XXXX of NMLS # : XXXX. She tried to calm me down. She helped me close and open a new account. She guaranteed me that within 7-10 days I would be getting a provisional credit for the amount stolen. So, I figured she did everything necessary for the credit. At this point as I go home, Im trying so hard to keep my sanity intact. This guy just stole my stimulus check. Im a poor man living paycheck by paycheck. I have a wife and XXXX kids. Also, my mom is old. Shes also my responsibility. Anyway, that happened on a Tuesday. The following Monday I started to call to find out about provisional credit, only to find out that the banker didnt even put in a dispute. So, I filed for the dispute on XX/XX/XXXX. I gave it about 2 weeks, and I started calling to know the status. Calling that Citibank fraud dept is so stressful. Sometimes, you spend 2 hours before you finally speak to a supervisor. But I keep calling everyday and I keep getting high hope every time. Everybody keeps telling me its just a matter of time. I will get my money back. One of the rep even told me in as little as 2 days I would get my money. I was very happy. Until I called last Thursday XX/XX/XXXX, and somebody told me that things get a little complicated because XXXX tried to get the money and the scammer already withdrew it. So, now I have to get legal assistance. Ive never been so shocked all my life. To top it all, the scammer made 3 wired transfers to himself. Citibank charges {$25.00} for each transaction. Even that {$75.00} transfer fee they didn't return to me. That's extremely unfair. Right now, Im going out of my mind and thats why Im reaching out to you. Please help help help. Thank you in advance for your help and cooperation. I really appreciate it.
Product: Credit reporting or other personal consumer reports

These matters involves credit cards companies. I was involved in a credit breach. My personal information was exposed online, and has affected my report. The names of the companies on my credit report are XXXX XXXX amount for XXXX. This company has sold my information to another company regarding this account, and I did not give them permission to do so. The law 15USC1681 states that I have the right to privacy. The same situation occurred with Ashley Furniture in the amount of XXXX, ComenityCb Lending in the amount of XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, American Express- XXXX. Im requesting that all late payments, and negative comments be removed from these accounts.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Request for Removal of Late Payment Record Dear DEPTEDXXXX I hope this letter finds you well. I am writing to formally request the removal of a late payment entry associated with my account XXXX under the provisions of the Fair Credit Reporting Act ( FCRA ). 


According to 15 U.S. Code 1681s-2, creditors have an obligation to report accurate information to credit reporting agencies. I believe that the late payments were reported on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX does not accurately reflect my payment history, and therefore violates this provision. 


Furthermore, under 15 U.S. Code 1666b and 15 U.S. Code 1681i, I have the right to dispute any inaccuracies and to have them investigated. I request that you review my payment history and consider removing the late payment from my credit report. I have always valued my relationship with DEPTEDXXXX  and have made all my payments on time, except for this instance, which I have identified several factors that suggest an error in the reporting process : Account Transfer Confusion : The late payments occurred during a time when the account was being transferred. The account had been marked as transferred and closed. This caused confusion, and my payment records should not reflect late payments for this period since I had fulfilled my obligations to the prior servicer before the transfer. 
Timely Payments : All payments were made in a timely manner prior to the transfer, and documentation exists showing that no payments were missed. Any delay in processing or recording payments during this transfer period should not be attributed to me as the account holder. 
Payment Processing Issues : During the transition, delays in updating the account status may have caused the system to inaccurately report late payments for months when the account should have been listed as transferred and closed, not delinquent. This is evident from the reporting inconsistencies across credit bureaus. 
I kindly ask that you provide me with a response to this request within 30 days. Should you find that the information reported is incorrect, I would appreciate your assistance in correcting it with the credit reporting agencies. 
Thank you for your attention to this matter. I look forward to your prompt response. 


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

RE : State, ex XXXX  Attorney General as Notice of Rescission of Signature for Cease and Desist caused by Predatory Debt Collection Operation, I am writing to shed light on a company that I feel is operating unfairly. I see this as unfair and it appears deceptive. I feel I was targeted for unauthorized use of my signature caused by making false and misleading representations due to engaging in various abusive and unfair practices. I am able to fight this but what about the elderly and the infirm who depend on these products or services and are taken advantage of by this type of financing for alleged debts. I do think this is an unfair practice for all consumers. This builds distrust. I will never do business with this dishonorable company again as I feel they failed to provide validation of debts, proof for legally binding signature as a valid contract, and lack of due process as adequate notification of contract changes. This pattern of dishonest practice acts, although maybe legal, is not fair. Please take a look at this companys practices as adverse actions. Please feel free to forward and share this deprivation of rights complaint with the Office of the Comptroller of Currency for full-scale and complete intensive investigations. I declare under penalty of perjury under the laws of the United States of America that the foregoing is true and correct. Executed on todays date.
Product: Payday loan, title loan, or personal loan

I have a installment loan with this company and am struggling to make the payments so was working with there financial dept, the agreement was XXXX a payday and I missed a payment by accident, and they unauthorized a charge on my debit card for XXXX with out notifying me and kicked me out of the program. I cant afford to have this much money just removed from my bank account. And the agreement was XXXX and no interest. I have disputed this charge thought my bank but it could take up to 90 days for a approval tried to speak with someone at main branch of advanced financial but they refused to refund the money. This is a unscrupulous company once they get your info they charge what they want. And I have been under a debit management company which they refuse to corporate with. They have poor business tactics. And I just want my money returned asap I had just got paid and was going to take care of my payment but they cut me off before I had a chance.