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

On XX/XX/2023 I applied for a credit card with another company, XXXX Bank. That application got declined, and on my adverse action notice the decline reason read past or present delinquent credit. The credit score disclosure quoted me a score of XXXX. Both came as a complete surprise to me as I regularly carry a credit score of about XXXX and pay very close attention to my credit. I went on line to XXXX, confirmed my XXXX score, and learned my overdraft line of credit with XXXX was past due 90 days. This is the account causing my troubles, and this is the first Ive learned of any delinquency. I immediately went online to my XXXX online banking site only to show that this account is carrying a {$0.00} balance. So I called XXXX customer service. 

The first person I spoke to at XXXX wasnt able to help much so I asked for a manager. It was here I learned that the {$0.00} balance showing on my online banking page was not correct. I had to click on the Unsecured LOC link to find out additional details. When I clicked here I found an interest charge of {$1.00}. I am delinquent 90 days on a {$1.00} balance. In addition to this I had to point out to the manager that they were also charging me a {$20.00} fee, an amount that seems excessive for {$1.00} delinquency. 

I paid the amount past due on the spot, along with the fee. I asked why I was never notified of the delinquency ; I was told I was notified on my statement. I said the 4 page statement that gets sent to me monthly with lots of small print, she said yes. I asked why no one called, texted, etc like other banks do ( and like their credit cards do ) and was told they dont have a process for that. I asked since it was clearly an honest mistake with a minimal amount past due, can the reporting to the credit report be removed. Her answer was no, its an honest reporting of the data and theres no way to do that. It will be updated to reflect the account as paid to date now. 

I asked for another manager. After being put on hold for a moment I was told no, all that would happen is I would get the same answer. I asked how could I file an executive complaint? She told me there was no way for me to do that. She could do that for me. I asked her to please do and to please have someone call me. Later I checked in with my local branch and was told the complaint had been filed and I need to let the process work its course. 

In addition to extremely poor customer service, I believe there are a few XXXX issues here. Excessive fees, hidden interest charges, lack of acceptable customer service being that I was not able to file my own complaint, and poor communication of important data on their online banking. For these reasons I am asking for your help. Anything you can do to help me get my credit report and score corrected would be greatly appreciated.
Product: Mortgage

I have had the misapplication of an addtional principal payment being applied to my mortgage in the past. The website of this organization does not separately show how much interest or principal is applied to the mortgage. There is a section on the web site which supposedly allows the consumer to obtain this information. After several attempts, i could not obtained the requested information. 
I have sent a number of emails to PenFed asking for help. Their response was to ignore my request and finally, indicate they do not intend to provide the info or make any change to their web site allowing a borrower to obtain such information
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXXXXXX 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 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 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 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 XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}, {$0.00}, {$0.00}, {$0.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I  am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX  XXXX XXXX with ACCT # XXXX  opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

XXXX. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

XXXX. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- AUTO ACCOUNT 5. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- PERSONAL ACCOUNTS XXXX. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Product: Debt collection

I am disputing this charge, invoice from XXXX XXXX in the amount of {$90.00}. 
Several months back I contacted XXXX XXXX to service XXXX my AC units. The service call amount was waived because a new unit was needed. I called XXXX XXXX several times for a quote on a new unit. After a few days I contacted another Vendor that did a service call the same day and sent a sales person that afternoon. After a few hours of negotiating we agreed on a priced and I had a new unit installed and working the following day. 
I contacted XXXX when I received a bill and informed them of my dispute. They refused to acknowledge that they had neglected to follow up with me but actually became aggressive.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been trying to lift a security freeze online since XXXX. I've attached the most recent screen shots, from today. In essence, when I try to log on, it says temporarily unable to to complete this request - it's been saying that since XXXX! If I try to cerate a new account, it says I already have one, and if I need to reset my password to use a a link that does not exist. When I clink the link saying I need sign on help, it says no account found, but will not let me sign up for one because I have an existing account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : XXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX, XXXX, XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX  Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

I have sent in a complaint qith them all together last year, yall told me it could take up to 2 years, now they are putting it on my credit.i cant even get a job eith my degree. Still unemployed. Frustrated and broke
Product: Checking or savings account

Someone opened couple accounts in my name using my information that theyve stole somehow I didnt know how they took my information but they did I believe it probably happened when Im doing online purchases and Im always using my information applying for something I XXXX  my drivers license and bank card and the information is stored and thats how I believe they was able to get ahold bid my personal information and use it against me and apply for different bank account regions bank is one now Im getting calls and letters sent to me for 2 accts I have know nothing about totaling over {$1000.00} and another acct XXXX XXXX XXXX XXXX XXXXXXXX XXXX and XXXXXXXX XXXX  I dont know what to do about this Im at my wits end Im thinking about just filing for bankruptcy and just start all over
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 
This was clearly a billing error made the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in months that are reported late to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 
XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 
This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 
Delete the late payments from my consumer reports
Product: Debt collection

Discover Card had, at XXXX time, authorization to withdraw payments from my checking account. In XXXX of 2015, I asked them to stop withdrawing their payments from my checking account. They continued to do so. I placed a block on my account so that they could not continue to withdraw funds from my account, and they created " dummy '' checks and continue to withdraw money. I changed my bank account information and they somehow found out my new account and withdrew money again,
Product: Mortgage

I obtained a conventional mortgage loan from Navy Federal Credit Union ( XXXX ). The loan closed on XX/XX/2018. {$440000.00} at 4.625 % 30 years fixed rate. I paid 1 % loan origination fee and paid XXXX in points to buy-down the rate to 4.625 % from the original 5.125 % rate. 

My complaint relates to the deceptive and misleading manner which XXXX advertises its loan rates and terms on its website. The site advertises multiple loan products and teaser rates which are generally unavailable or available in very limited instances. For example, XXXX advertises 30 year conventional rates with 5 % down payment as low as 4.125 %. That rate may be available, under certain circumstances, for specific loan products. Unless a buyer knows of the limited circumstances which that loan is available, he/she is unlikely to obtain that rate, even if the buyer qualifies for that product. This dynamic creates an unfair burden for the buyer. When I spoke with XXXX, the response was you have the lowest rate. That may be a true statement, but its a misleading statement. XXXX should be more transparent in its disclosure. For example, if XXXX recognizes a buyer may qualify for a lower rate, it should disclose the conditions or loan product ( s ) that may provide the lowest available rate. This approach gives the buyer more information to make a more informative decision. Im disappointed with my loan process with XXXX. The bank may not have committed an illegal act, but its lack of disclosure and transparency is likely intentionally deceptive. Im asking for monetary compensation of {$6500.00} to reimburse me for the discount points I paid under misleading circumstances. XXXX has an obligation to be more transparent with its members. XXXX failed to meet that standard based on how it chooses to advertise its mortgage loan program.
Product: Debt collection

State collection agency work for  XXXX    XXXX   XXXX  . I am in process to get financial help from the hospital to pay the balance although majority portion of the bills paid my health insurance. Patient is my  XXXX   years old  son. I notify collection agency on  XXXX / XXXX /   17  by fax that I am paying regular basis to  XXXX   XXXX  and my financial aid application is on process. I do not owe this debt and they need to stop contacting with us. This account should not be on collection. But they are ignoring my request and they are in process to effete my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am seeing hard inquiries from XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and I know majority of them should have been disputed by now because its been over a year. Can you please contact me back when someone has the time, thanks!
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act the list of accounts below has violated my federally protected rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXXXXXX Account # XXXX XXXX XXXXXXXX XXXX XXXX Account # XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX  Account # 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 further states a consumer reporting agency can not furnish an 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 Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 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 accurate.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX, a financial institution and furnisher of information, along with XXXX AND TRANSUNION, consumer reporting agencies, have willfully failed to comply with federal regulations by misusing my consumer report regarding account number : XXXX. 12 CFR 1016 ( Regulation P ) regulates and protects the privacy of consumer financial information. 12 CFR 1016.16 regulates and protects the Fair Credit Reporting Act 15 U.S. Code 1681 et seq. 12 CFR 1022 ( Regulation V ) Appendix M regulates and specifies obligations of furnishers of information to consumer reporting agencies under the Fair Credit Reporting Act 15 U.S. Code 1681 et seq. 

I, the consumer, have been adversely affected by XXXX XXXX XXXX, XXXX, AND TRANSUNION being willfully noncompliant with the proceeding federal regulations. 

12 CFR 1016.16 regulates 15 U.S. Code 1681 section 602 which states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' My privacy is being violated by the misuse of my consumer report. 15 U.S. Code 1681b section 604 states In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written instructions of the consumer to whom it relates. XXXX XXXX XXXX, XXXX, AND TRANSUNION do not have my consent to furnish said information, and I have never given them written or verbal consent. Any implied consent is revoked. 

12 CFR 1022 Appendix M regulates 15 U.S. Code 1681a ( 2 ) ( A ) ( I ) which states " 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 ; IRS Publication 4681, Chapter 1 regarding canceled debts states that a canceled debt is considered ordinary income, which is taxable. This charge off is taxable income and not to be included on a consumer report. 15 U.S. Code 1681s-2 states 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. XXXX XXXX XXXX, XXXX, AND TRANSUNION are willfully misusing this information on my consumer report. 

12 CFR 1022 Appendix M regulates 15 U.S.C. 1681n ( a ) ( 1 ) ( A ) which states Any person who willfully fails to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of : any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00}. XXXX XXXX XXXX, XXXX, AND TRANSUNION have been willfully noncompliant by continually misusing my consumer report after I filed a complaint. 

12 CFR 1016.7 states, A consumer may exercise the right to opt out at any time. I am opting out of any and all of your reporting services. 

My intent is to sue if said issues are not resolved.
Product: Credit reporting or other personal consumer reports

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$2900.00} XXXX XXXX XXXX XXXX Balance : {$900.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$320.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX : {$320.00} XXXX XXXX XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account TransUnion reporting XXXX Account # XXXX Bal Date XX/XX/22 has violated my rights. 30 day late reporting is incorrectly appearing on the report. 

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 an account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX To Whom It May Concern, On XX/XX/XXXX this account was reported by XXXX XXXX XXXX XXXX, since then the account has been disputed and removed from my credit file under my social security number. 

Now I have discovered that the item has been reinserted on my credit report. 

In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing within 5 days.

( B ) Requirements relating to the reinsertion of previously deleted material ( ii ) Notice to consumer if any information that has been deleted from the consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if the authorized by the consumer for that purpose, by any other means available to the agency. 


I received no such notification. This is a very serious violation of the FCRA and I reserve the right to pursue legal action for your blatant disregard of the law.
Product: Checking or savings account

My cousin XXXX XXXX changed my father 's will to steal all his money for XXXX XXXX. XXXX XXXX is now covering up the fraud in the probate.
Product: Debt collection

I am a senior over the age of XXXX. 

PORTFOLIO RECOVERY ASSOCIATES LLC HAS BEEN HARASSING ME BY WAY OF TELECOMMUNICATIONS FOR A VERY LONG TIME. MORE THAN FIVE YEARS. I have been recently informed of my rights in this matter and have sent out XXXX cease and desist letters to this company in order for this to stop. I have never heard of this company and do not have any contracts nor any transactions have been made between us. This company has called me at inconvenient times with the intent to harass and annoy. They have used several different phone number and have not once properly identify themselves or any disclosures. This is a violation of 15 usc 1692 ( d ) These correspondences will be sent out by mail to your company for review with tracking # : XXXX XXXX XXXX XXXX XXXX I have placed my phone number on the FTC DO NOT CALL LIST as well. Yet the harassment has yet to cease. They have violated me under 15 USC 1692 et seq. I am requesting remedy under 15 usc 1692k civil liabilities in the amount of {$1000.00} per account of violation and {$1000.00} per account of damages, mental anguish and emotional distress. Please note, correspondences have been forwarded to you by mail.