23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I sent my Kohl 's store payment ( issued through Capital One ) through the USPS on XX/XX/2021 for {$23.00} but it was not received by the company until after the payment due date of XX/XX/2021. I was charged a late fee of {$15.00} on XX/XX/XXXX and notified of the late fee on my XXXX statement ( closing date of XX/XX/2021 ). Since my previous balance of {$23.00} was paid in full after the due date, the amount due on the XXXX statement was {$15.00}. I wrote to the company explaining what had occurred and did not receive any communication back from either Kohls or Capital One so I assumed it was written off since I'm a long time customer of the store. I received my XXXX statement ( closing date XX/XX/XXXX ) last week and not only did they not take care of the previous {$15.00}, they have charged me another {$15.00} late fee plus a minimum interest charge of XXXX for a total account balance of {$32.00}. The entire amount owed now is all fees for a charge that is almost {$10.00} less than the current amount owed. The fact that Capital One charges a late fee for a non-payment of a late fee is a deceptive practice. The fact that Capital One did not respond to me after I provided a written explanation and felt that the best thing to do for a long time consumer is to charge an additional late fee and minimum interest. They currently want me to pay 142 % of the original balance in fees and that is unfair.
Product: Checking or savings account

Dear Sirs, I was XXXX less than one year ago. About one week into my 11 day stay, I was approached by a man that said his bonds person will bond me out. I released my Bank of America debit card to his bonds person. The following evening when I was not released, he said it was because it was Sunday. The following day when I was not released, he said he needed the zip code to my debit card account. The next day when I was not released, I asked to speak with an officer and he cancelled all actions. A few days later I was bonded out by my employer. I immediately checked my bank account and it was emptied. There was a {$720.00} credit posted to my Bank of America checking account which taken back the following month. A Bank of America representative said there was nothing unusual about the transactions. I did exactly what Bank of America required and I filed a police report with a XXXX County officer. Do we not have cameras that record transactions? Are not cases involving fraud federally insured? How can we make the man and his friends repay the money him and his friends stole from me and the bank? What about my time filing a police report with a police officer? What do you think should be done in this situation? Sincerely, XXXX XXXX XXXX
Product: Checking or savings account

XXXX XXXX. XXXX ( XXXX  ) For bank account holders, some were incorrectly charged overdraft fees on debit and ATM withdrawals, as well as having money unfairly frozen if Wells Fargo suspected a single deposit was fraudulent.
Product: Credit reporting or other personal consumer reports

Upon reviewing my consumer report, I noticed an account on my report that does not belong to me. I have investigated the creditor who put the account into collections, and they have a history of putting consumers into debt without validating the debt. I am a victim of this situation with Caine & Weiner.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. This 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. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX  XXXX If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Credit card or prepaid card

I was supposed to have a credit card through Avant , LLC coming in the mail. I was traveling out of country for two months, when I came back I received a credit card statement with purchases more than {$800.00} dollars. I called the company to explain to them that I wasn't home for such a period of time, and I received a statement which I didn't do I did not purchase and used that card. The credit card 's representative took my complaint and sent another card with a different number, and the card was keeping charging through XXXX XXXX  and elsewhere, even though it was in my possession. I called the company again and again to fix the issue, I even sent them a certify letter in order to take my complaint serious nothing happened, one of the managers for that night said : she reported it " as fraud '' instead of reported as fraud the credit limit was {$1500.00} now it is way over limit with an amount of {$1900.00}. The card should be cancelled at once.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to make a " goodwill request '' to have my late payment removed from my credit. I look forward to continuing to do business with your company, and I ask for you to please eliminate my late payment with the credit bureaus by filling out the " Universal Data Form '' and faxing it to the credit bureaus that you report to. I really do hope you can help me out, it would mean the world to me and will help me qualify for a loan I need.
Product: Credit reporting or other personal consumer reports

Ive been shopping for car insurance and discovered that an erroneous claim is being reported on my CLUE report which have been negatively impacting my insurance rates since XXXX. 

From what I recall, I contacted XXXX and inquired if something or someone was to strike my vehicle what would be the outcome regarding deductible and future insurance rates. Unbeknownst to me, the agent I spoke with, reporting this inquiry as a claim on my insurance file, thus creating a negative impact on my CLUE report and driving my insurance rates up. 

There was no payout for this inquiry and there should not have been a claim reported. 
This information needs to be deleted from my CLUE report immediately upon receipt of this notice as it was placed on my file erroneously and has resulted in financial strain. 

Claim # XXXX Date : XX/XX/year> Reporter : XXXX
Product: Credit reporting or other personal consumer reports

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority.

Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent.

1. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX XXXX XXXX  Account Number XXXX Delete this account. 

2. 15 U.S. CODE 1681I - PROCEDURE IN CASE OF DISPUTED ACCURACY XXXX XXXX XXXX Account Number XXXX Delete this account. 

3. 15 U.S. CODE 1681Q - OBTAINING INFORMATION UNDER FALSE PRETENSES XXXX  XXXX XXXX Account Number XXXX Delete this account From My Credit Report
Product: Debt collection

My XXXX XXXX was in a vehicular accident in XX/XX/2022 and was totaled by another driver. After the appraisal, I was told that I didnt have GAP coverage. I refinanced the vehicle a year prior and dont recall not applying for Gap. I understand the importance of having it and wouldnt go without it. Now I am being told that I owe Gap and no one at the company could show me where I opted out of it during the refinance.

Truth In Lending was not disclosed as far as the finance charge and Gap coverage were concerned. The car accident was not rectified at all. Due to the accident, my credit has steeply declined from a XXXX down to a XXXX. Due to being desperate to get my kids around I had to enter into additional loans that continue to hinder me from my pursuit of happiness as well as no longer being considered for a home. Had the Gap coverage been in the contract in place of the finance charge this would not be a issue. Due to this accident I have been declined additional credit to rectify my situation. 
After the accident, I applied to get my loan extended so that I may purchase another car under the company since the at fault drivers insurance was going to pay my loan off. My credit was denied multiple times. 

I have my contract from the refinance and can submit it later if needed.
Product: Student loan

The way the loan is now being reported has caused a significant drop in my credit score. The amount that I am now showing shows that I have over utilized my extended credit when I have been making timely payments. XX/XX/XXXX, XXXX XXXX raised my credit limit. XX/XX/XXXX, they lowered it. I can not get an answer from them for the " new '' reporting guidelines. HELP!
Product: Credit reporting or other personal consumer reports

I want to reported accounts to be removed. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX Inquired on XX/XX/year> XXXX XXXX XXXX XXXX XXXX TX, XXXX RE : Revocation of Consent to Report Consumer Information & Notice of FCRA Violations Pursuant to multiple federal consumer protection statutes, including the Fair Credit Reporting Act ( FCRA ) and the Gramm-Leach-Bliley Act ( GLBA ), I hereby assert my rights as a protected consumer and formally notify you of the following : Statutory Basis for Consumer Privacy Protection The FCRA ( 15 U.S.C. 1681 ( a ) ( 4 ) ) explicitly recognizes that consumer reporting agencies must " exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. '' This fundamental protection is reinforced by 15 U.S.C. 6801, which mandates that financial institutions maintain " an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers ' nonpublic personal information. '' Requirement for Written Consumer Consent Under 15 U.S.C. 1681b ( a ) ( 2 ), consumer reports may only be furnished " in accordance with the written instructions of the consumer to whom it relates. '' I hereby affirm that I have not provided written consent to either XXXX, XXXX, or [ Furnisher of XXXX XXXX XXXX XXXX ] for the reporting of my consumer information. 
Revocation of All Forms of Consent I hereby explicitly revoke any and all forms of consent - whether written, verbal, implied, or otherwise - previously given or assumed by XXXX, XXXX, and [ Furnisher of XXXX XXXX XXXX XXXX ] regarding the furnishing of my consumer information. 
Violation of Disclosure Requirements Pursuant to 15 U.S.C. 6802 ( b ) ( c ), financial institutions are required to provide consumers with " an explanation of how the consumer can exercise that nondisclosure option. '' [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX has failed to fulfill this statutory obligation. 
Reporting of Time-Barred Information Furthermore, under 15 U.S.C. 1681c ( a ) ( 5 ), consumer reporting agencies are prohibited from reporting " adverse item [ s ] of information ... which antedate [ ] the report by more than seven years, '' except for criminal convictions. The continued reporting of this account information appears to violate this statutory limitation.
Product: Credit reporting

Equifax did not properly verify the information in my credit report. They did not contact the New York State Department of Taxation and Finance regarding this information.
Product: Credit reporting or other personal consumer reports

ED FINANCIALXXXX Has violated many of my rights concerning my privacy and securities. 

Per 16 CFR 313 model privacy form. I have a right to opt out of the company sharing my personal and financial information.

Per 16 CFR 313.7 methods of opt out. I sent a written notice to the company of me reserving my rights verbal non verbal written non written.

15 Usc 6802 b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.
Product: Checking or savings account

Chase failed to close my account and continued charging monthly service fee.
Product: Student loan

I sent Chase a letter on XXXX/XXXX/15 to inform them that I finally had a job and could start making monthly payments but not the amount they wanted. I used the sample letter on your website and I have not heard from Chase. They have stopped sending monthly statements and when I call they inform me that I am in collections but no one from collections has contacted me. I do n't want the loan to default and I would like to start making payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

Round about XX/XX/XXXX, I sent an Affidavit of debt verification request letter to XXXX pertaining to two " US Dept. Of Education '' accounts ( amounts {$3500.00} and {$6000.00} ). XXXX response to my validation request was I quote, " The disputed item is not currently reporting on the XXXX credit file '' and quote. Confirmation # : XXXX, See Attachment ( s ). On XX/XX/XXXX, my wife obtained an identity theft police report for both US Dept. Of Education accounts as well as other accounts, See Attachments. On XX/XX/XXXX I sent separate notarized Affidavits ( pertaining to fraudulent accounts, unverified accounts and inquires ) to XXXX, XXXX and TransUnion, See Attachment ( s ). On XX/XX/XXXX, I called XXXX to inquire as to the continued reporting of the two US Dept. Of Education accounts. After being transferred several times and on hold XXXX. and XXXXXXXX XXXX the supervisor would not answer my questions as to their legal authority to continue reporting these two accounts that are determined to be a result of identity theft via Police Report. At that point the supervisor sent me to an automated system to be disconnected. The first customer rep. I spoke with, I.D . # : XXXX, Call time : XXXX XXXX XXXX XXXX XXXX XXXX, See Attachments. Complaints : 1. XXXX did NOT validate the two US Dept. Of Education accounts. 2. XXXX said the two accounts in question were NOT reporting on my credit file. 3. XXXX continues to report the unverified accounts after receiving the police report via certified mail. 4. XXXX has requested I contact the creditor for debt validation. 5. XXXX has blocked me from accessing my XXXX account. Despite my various written request for validation and removal of unverified accounts they remain in my credit file which intentionally violate numerous federal laws such as and not limited to : FCRA Sections ; 605 ( c ), 609, 611, 616, 617, 623 etc. As well as several FDCPA 's. 

Note : TransUnion has also failed to delete these two accounts from my file. I received a letter from TransUnion ( dated : XX/XX/XXXX ) stating the debts have been deleted ( See Attachment ) but when I checked my TransUnion account online the debts were still reporting therefore, this complaint also applies to TransUnion. 












Date : XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

RE : Late Payment Improperly Reported- I XXXX XXXX have a RIGHT TO PRIVACY under 15 USC 1681A ( 4 ) as a federally protected consumer and I know my rights presented under the Fair Credit Reporting Act clearly outlined within 15 USC 1681. The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So, whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n and 15 USC 1681o, which allows for {$1000.00} per violation, for account listed without my expressed written consent. I was reviewing my consumer reports and noticed XXXX XXXX on my credit report that need be immediately updated to paid as agreed. My Consumer rights have been violated by XXXX, XXXX, Equifax. XXXX, XXXX, Equifax, has violated my consumer rights and violated federal law. This is now multiple attempts to notify you of this erroneous error on the part of your agency. This erroneous late payment is affecting my ability to obtain a loan to save my business from crumbling and also blocking me from the housing that I so desperately need for myself and my family. Please change this to paid as agreed immediately so that I may proceed with my life, or I may be forced to seek legal damages against your agency as I already have sought legal counsel in this more than important matter. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

The first XXXX was a negative report.I disputed was untrue report I never had a XXXX $ account never paid on account. it was disputed. settled to delete report .I 've had four more disputes when completed .it was agreed to delete false reports ..the negative reports reappeared. next time I checked .every report that was supposed to be completely. deleted. Also before, I had a opened account with XXXX XXXX.My beacon was XXXX, XXXX, & XXXX. I had four loans in my credit reports. by XXXX  employed person I'was told to dispute the fact they not on credit reports anymore. they were submitted by loan company credit my signature loans thou had been taken out .because of false report sent by bluestem XXXX XXXX. 
I was not lieing at all. Reduced credit the to4.6 the employed person by these two companys are not educated they don't understand how to add interest. late fingerhut is 1day late adds the next months payment. 
the amount of interest is no extra money added to payments scheduled. i payed the false late amount to prove what they are doing to me i paidXXXX $ XXXX XXXX XXXX payment .that amount was supposed to be subtracted from the the remainder payment instead false amount was added three extra interest payments that don't subtract from remainder. If they handled late interest to late payment.it only being interest for the payments being late. The company would not send a credit report to correct the information with report that account had been ( paid and never late ).
Product: Checking or savings account

In XXXX my account was hacked 4 transactions were made from XXXX online and we were out of town. They took the transactions off but then 3 months later reversed one of the 4 They said a package was delivered but we did not receive we were out of town. I made no purchases from XXXX these 4 transactions were all done at same time. It was fraud plain and simple.

I have no emails of any purchase transaction this clearly was fraud and I am not a XXXX customer.
Product: Credit reporting or other personal consumer reports

I appreciate you making an effort to update and repair some of the data on my credit report, but there is still an account that needs to be fixed. The Credit Bureaus must verify this account by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that this disputed account will be fixed as soon as possible XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I want this late payment updated from my account within 15 days, I'm not aware of this, Under USC 1666b. See the documents attached. 
XXXX XXXX XXXX Date opened XX/XX/2016 Balance : {$180.00}
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information reported on my credit report concerning a charge-off. Below are the details of the account in question : Creditor Name : XXXX XXXX XXXX Account Number:XXXX Date of Charge-Off : XX/XX/year> It has come to my attention that this charge-off is being reported repeatedly monthly, which is incorrect. According to the Fair Credit Reporting Act ( FCRA ), negative information such as a charge-off should be reported only once, reflecting the date it was charged off.Under the FCRA, credit reporting agencies are required to ensure the accuracy of the information they provide ( 15 U.S.C. 1681e ( b ) ). The continuous monthly reporting of this charge-off misrepresents my payment history and negatively impacts my credit score. Furthermore, the statute of limitations for reporting a charge-off is seven years from the date of the initial delinquency that led to the charge-off ( 15 U.S.C. 1681c ( a ) ( 4 ) ). Repeatedly reporting this charge-off as a new event each month does not reflect the statute of limitations and is therefore improper.

I request an immediate investigation into this matter and the correction of my credit report by removing the repeated entries of the charge-off from my payment history. Please update my credit report accordingly and provide written confirmation of these corrections. 
Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion should not be reporting that I am ( 120 ) days late on the XXXX  XXXX partial account number XXXX. ( Please see pages attached from my credit report. ) This account reports a {$0.00} balance. Please keep in mind that it would be impossible to be late on an account that has no balance due. This false reporting of late is seriously harming my credit score and this line item needs to be removed. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureau to remove this item however, I have not been successful.