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

" 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 TILA US Code 1666B since I was never late.

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX XXXX XXXX XXXX XXXX. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Product: Credit reporting, credit repair services, or other personal consumer reports

This to me is crazy. So Im submitting it again hopefully for the last time. Experian and XXXX have been not complying with Fair Credit Reporting Act ( FCRA ). I submitted a complaint/dispute about the information listed below. I was the victim of identity theft & the account listed below was opened fraudulently & without my knowledge, consent or authority. I provided it with documents which demonstrated this legal issue but they have ignored this documents. They claim they verified the account without providing me with any legal documents, contracts or verifiable proof they were opened by me. They are not adhering to section 605b by blocking or removing them from my report. Additionally they are violating sections 616 & 617 for willful noncompliance & negligence. I need this account blocked/removed from my credit file per FCRA. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is involved in litigation and does not belong to me. I never established this account. I have advised XXXX XXXX and Experian regarding this account that was obtained under my name. I have no knowledge of this account and was told that I needed to complete an affidavit, along with submitting my personal identification to have the suspected fraudulent account investigated and removed immediately which I did and it still has not been removed my credit file.
Product: Credit reporting, credit repair services, 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  : # XXXX, XXXX XXXX  XXXX : # 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, 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 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: Payday loan, title loan, or personal loan

On XX/XX/2023, I noticed an unauthorized withdrawal of {$9.00} on my bank account to Self Lender, Inc. I have never heard of this company and have never accessed this company 's website and/or used this service. I then checked my credit reports and noticed a fraudulent account had been opened on XX/XX/2023 using my information in the amount of {$520.00}. The account showed as a personal loan with SBNASELFLNDR on my XXXX credit report, an installment loan with XXXX XXXX  on my XXXX credit report, and an installment loan with XXXX XXXX Self Lender on my XXXX credit report. I attempted to contact XXXX XXXX and was only able to get the automated message telling me to email XXXX and XXXX for issues related to fraudulent accounts and credit report issues. On XX/XX/2023, I emailed Self Lender letting them know about the issues outlined above and requesting urgent attention and a response. On XX/XX/2023, I attempted to call the bank ( XXXX XXXX  ) and spoke to an employee there who told me the only people who could help are representatives from Self Lender, and was again directed to contact Self Lender. On XX/XX/2023, I again emailed Self Lender requesting a response and urgent action. I had still not heard back from my original email. On XX/XX/2023, I emailed Self Lender again and attached a copy of the identity theft police report and FTC reports and requested urgent attention and action. I did not receive a response. On XX/XX/XXXX, I again emailed Self Lender and requested urgent action and attention. I have still not received any response and/or communication from XXXX XXXX. The fraudulent account opened in my name caused my credit score to drop at least XXXX points. Clearly, I am a victim of identity theft and I am extremely upset that this issue has not been immediately addressed and rectified.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 XXXX XXXX XXXX  closed my account. 
On XX/XX/2021 XXXX XXXX XXXX send a written notification that " The account will be reported to the consumer reporting agencies as ACCOUNT CLOSED BY XXXX XXXX ''. 
I have NEVER EVER been late on this account, although XXXX XXXXXXXX XXXX updated by Consumer reporting agencies ( XXXX, XXXX, Transunion ) as CHARGEOFF. I have never ever been late and I am providing the written notification by XXXX XXXXXXXX XXXX stating that the account will be reported to the consumer reporting agencies as ACCOUNT CLOSED BY XXXX XXXX. 

THIS SEVERE SCANDALOUS ACTION by XXXX XXXXXXXX XXXX  is destroying my PERFECT payment history in my credit.
Product: Credit card or prepaid card

According to Citi, my Visa card provides a 3 % cash reward for charging travel purchases. 
On XX/XX/XXXX I used the card to pay XXXX {$3500.00} plus on the same date another {$6300.00} to XXXX. Both received the appropriate 3 % reward. 

But on XX/XX/XXXX I used the card to make 2 payments to XXXX for {$4300.00} and {$14000.00}. These were allowed only a 1 % reward. This results in a loss of about {$400.00}. 

When I called Citi on XX/XX/XXXX, I was told that this change is controlled by the merchant ( XXXX ) using a code called XXXX and that Citi can not change it. So I called XXXX and learned that the bank issuing the card assigns the XXXX, not the merchant. XXXX also said they have received numerous complaints from customers who follow the rewards promise/incentive to buy their travel packages using cards that promise higher rewards. 

So I called Citi again and the excuse that " the merchant controls which XXXX is to be used '' was repeated. The XXXX used last XXXX was for XXXX was 4722 = travel agencies. InXX/XX/XXXX Citi says it has been changed to 7991 for XXXX XXXX attractions ( other purchases category at 1 % ). [ I think Citi made the change to avoid giving customers the full 3 % reward. ] The Citi reps all claimed this change was made by XXXX. I was offered {$100.00} to compensate me for the inconvenience. I refused and said I thought I should pursue legal advice. The rep warned me that the card agreement permits Citi to change rewards at any time for any reason and that all disputes are settled by arbitration. 

Lesson : Beware of the bait and switch. If you use one card over another because it has higher rewards, you should check the XXXX assigned to your merchant first.
Product: Debt collection

i have asked Medical data systems and XXXX, XXXX, and XXXX to validate this debt. i have asked for the information that are using to be sent to me that proves this is my debt, I DON'T GIVE PERMISSION TO ANY OF THE LISTED NAMES ABOVE TO HAVE MY MEDICAL RECORDS, SO DO NOT TRY TO PROVIDED AN ITEMIZED STATEMENT FOR THAT DOES NOT VALIDATE A DEBT UNDER FTC OPPENION LETTER THE NEED TO PROVIDED AT, PROMISSERY NOTE OR AGREEMENT MADE BETWEEN ME AND THE ORIGINAL CREDITOR THAT SHOW AN AMOUNT THERE NAME MY NAME AND HAS MY SIGNATURE. THAT IS THE ONLY VALIDATION THAT WILL BE EXCEPTED BY ME AND BY ANY COURT. 
IF I DONT GET THIS INFORMATION THAT IM REQUESTING ILL WILL FILE IN OKLAHOMA COURT AND SEEK FOR THIS INFORMATION AND IF THEY CANT PROVIDED IT AT THAT TIME I WILL ALSO ASK FOR A MIN. OF {$1000.00} PER REPORT. 

IF THEY PROVIDED AN ITEMIZED STATEMENT THAT HAS ANY OF MY MEDICAL RECORDS OR CONDITION ON THEM I WILL THEN SEEK FOR MAX ALLOWED IN COURT AND FILE WITH ATTORNY GENERAL SEEK MAX FINES. 

I'M ONLY ASKING TO VALIDATE ACCOUNT WITH A CONTRACT THAT BEARS MY SIGNATURE THATS IT.
Product: Checking or savings account

There were XXXX large deposits made to my online Chime Bank account in XXXX. These deposits were winnings from a online casino that I play. I have had this account for several years and have had my income tax refunds, paychecks and other winnings from the casino deposited to this account with no issues. On XX/XX/ my account was locked and I received a email asking for proof of deposits along with my ID. I submitted requested documentation on XXXX XXXX Since then I have resubmitted documents about 5 times. Each time I receive a email response asking me to submit submit documents. I have made anywhere between 10 to 15 phone calls only to be told that I can not speak to anyone on the review team but they will " expedited " my concern to them. I have submitted over 15 emails to customer support, outreach and review only to be asked to submit documents that I have already submitted numerous times. I have been off of work over a year because of a work related injury so this money was a blessing to me and my family but because my account is locked I have depleted my savings account and have been late paying my bills. I was out of town on the XXXX XXXX XXXX when my account was locked. Had to borrow money from family to get home and pay for the remainder of my trip. I need access to this account because this is all the money that I have and I have been told that I need to move out of my place by XXXX XXXX because I have been late paying rent for the past XXXX months because of Chime Bank holding my money.
Product: Credit reporting

The address ( XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, Washington XXXX ) Is not mine, I have never lived in the state of Washington. That address belonged to my son XXXX XXXX when he was stationed there XXXX. Need to have it removed from my credit record as a past residence.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I contacted Equifax about the following negative accounts XXXX XXXX XXXX XXXX  ( Account Number XXXX, Open Date XX/XX/XXXX, Balance : {$260.00} ), XXXX XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$300.00} ), XXXX XXXX XXXX ( Account Number XXXX, Date Opened XX/XX/XXXX, High Balance {$440.00} ), XXXX ( Account Number XXXX, Date Opened XX/XX/XXXX, High Balance {$340.00} ), XXXX XXXX XXXX XXXXXXXX ( XXXX XXXX, Open Date XX/XX/XXXX, Highest Balance : {$5000.00} ). Its been over 45 days and Equifax havent respond to my request as they are required to by the Federal Credit Reporting Act.
Product: Credit reporting

I sent letter to Experian on XXXX which was received on XXXX. Experian responded by saying that my letter was considered " suspicious correspondence '' and that no disputes will be initiated. I will be sending a follow up letter with proof to show that this is a legitimate ask. At this point, it has been XXXX days and nothing has been done yet outdated items remain on my credit report, negatively impacting my credit score.
Product: Credit reporting or other personal consumer reports

My information was leaked in XXXXXXXX XXXX XXXX in the XXXX XXXX breach. To protect myself, I decided to set up accounts with the 3 credit bureaus and freeze my credit. XXXX and XXXX allowed me to do that. Experian has not. For the last 2 months, I have been trying to make an account and verify my identity. Something in their information about me is incorrect and they are unable/unwilling to confirm my identity. I can not reach anyone on the phone, their phone representatives are all robots that can not help me and state as such, and if you remain on their line for too long and say " talk to a representative '' too many times, it'll switch to XXXX and then hang up on you. I have tried every avenue to get ahold of someone and to fix this issue. I've submitted documents online and via mail, neither of which did anything -- they never even confirmed that it was received. One time, they even updated my address ( without me asking ) and even then, they STILL could not complete my account. They are advertising DIRECTLY to people who were victims of the XXXX breach, but they can not follow through. Lastly, the last robot/representative I spoke to just completely deleted my account instead of helping me. And then told me to try again in 24 hours, which did not do anything. I can't receive my credit report, I can't freeze my credit, I can't even see the information they have on file about me -- I can not make an account. But they have been spamming me with emails to buy their services, to complete my account ( which I CAN NOT do ), to review their " customer service, '' etc. They have my contact info and are using it to mass email me, but I can not login to get my credit report! They're trying to sell services to me while refusing to allow me access to said services! They are withholding my information and my report and are refusing to allow me the avenue to try and figure out what the problem is. It is a nightmare -- I don't know what the problem is, their representatives are completely unreachable, and Experian is just sitting on all of my information with it completely exposed and refusing to abide by the law. They are refusing to tell me what the issue is and they are refusing to provide me with my credit report and on file information, which they are legally obligated to do. I don't know what else to do, I've contacted every number, email, and social media page I could find for them.
Product: Credit reporting

I disputed the following account historical information with Equifax : XXXX XXXX XXXX account number XXXX and was told XXXX that this historical information has been deleted for this account. Please see attached XXXX communications from Equifax. 
I ordered a credit report today and the historical information for this account remains. 
Please permanently delete this information or account as promised XXXX already.
Product: Mortgage

We have had a mortgage from PenFed Credit Union for several years. We requested and have been getting monthly paper bills since the beginning of the loan about eight years ago. We did not receive a paper bill for the current monthly payment due. I have spent hours and sent numerous emails to PenFed to get the monthly bill which contains data important to my record-keeping. ( Data such as the amount of principal and interest with each payment because sometimes I want to make extra principal payments ). 

I've gotten no response to any attempts at contact. When I managed to get through on one call, the rep transferred the call to a voice mail where for hours you can listen to elevator music and a sales pitch.

This has been going on for about three weeks. 

Fearing that our XXXX payment due would be outstanding, I went online and used my wife 's debit card to pay the monthly total ( based on the previous bill ). This was a week ago but still the amount due shows the same amount. 

We have no idea what's going on there but it has to be chaos. I've been waiting on hold with PenFed for more than an hour even as I write this. Part of the problem stems from their " new '' interface which is really bad and actually doesn't work. Go online with it an you'll see. The information we need is lacking. With regard to our own mortgage, it still shows the same amount owed in spite of the fact that we paid with a credit card. The messaging/contact links do not work. No one comes to the phone. No one sends messages back. If you were here, you would know I'm not exaggerating. It's  almost criminal whatever they have going on. I'm furious. I'm not a crank. We pay our bills. I can provide full and detailed information upon request. 

I hope you can help resolve this mess.
Product: Debt collection

This is not my account I dont live anywhere near Ohio its fraud I live in XXXX Florida XXXX This needs to be removed immediately
Product: Debt collection

I received a letter from Credit Collection Services about a debt that I do not owe. I sent them a letter disputing this alleged debt, so far they have not responded back.
Product: Debt collection

This is ridiculous! Midland funding is trying to sue me for a debt that doesn't even belong to me. This is a fraudulent lawsuit and they shouldn't be able to treat consumers like this. They submitted 2 exhibits to the courts that were copies of invoices. First of all, that's not even a form of debt validation. Secondly, the CFPB has addressed them about fraudulent lawsuits so why do they keep doing this to consumers. This is abusive behavior and they are misleading the court system with false information and it's a violation of the FDCPA! This lawsuit needs to be dropped immediately! I am requesting that they provide the following information : Please provide the following information XXXX. Name and address XXXX. Name on file of alleged debtor XXXX. Alleged account # XXXX. Address on file for alleged debtor XXXX. Alleged account # XXXX. Amount of alleged debt XXXX. Dates ( this alleged debt became payable ) XXXX. Date of original charges or delinquency XXXX. Was this debt assigned to a debt collector or purchased? 
XXXX. Amount paid if debt was purchased. 
XXXX. Commission for debt if collection efforts are successful Please attach copies of the following : - Agreement with your client that grant Midland Funding the authority to collect this alleged debt - Signed agreement Debtor has made with Debt Collector, or other verifiable proof Debtor has a contractual obligation to pay Debt Collector - Any agreements that bears the signature of Debtor, wherein agreed to pay Collector. - All statements while this account was open - Have any insurance claims been made by any creditor regarding this account? Yes or no- Have there been any judgements been obtained by any creditor regarding this account? Yes or No Please provide the name and address of the bonding agent for Midland funding, in case legal action becomes necessary : Authorized Signatures of Creditor : _________________ Date : ______________
Product: Credit reporting, credit repair services, or other personal consumer reports

Hey it has come to my attention Experian reported transactions on my consumer report XX/XX/2022, XX/XX/2022, and XX/XX/2022 between XXXX  XXXX ( XXXX ) and XXXX XXXX, so according to the fcra 15usc 1681a 2 a1 like in paragraph 3, the consumer report does not include reports containing information solely as to transactions, is excluded from the consumer report DELETE THIS TRANSACTION HISTORY FROM THE CONSUMER REPORT, or delete the late payment or items marked as late from my consumer report
Product: Vehicle loan or lease

I'm writing this in parallel with the process as I'm not confident that my loan will be corrected. 

I have been using Capital One Auto financing for the past 5 years. On XX/XX/XXXX would be my last payment and satisfy the loan. A payment of {$570.00} was requested on XX/XX/XXXX from my banking account, and was transferred with ACH from my bank on XX/XX/XXXX. 

On XX/XX/XXXX, I received an email that my account was past due. I was confused as the payment was taken from my account on XXXX XXXX. I called Capital one, and after a frustrating initial call, I spoke to an escalation manager who confirmed there seems to be issues on final payments, and suggested that I request from my bank the federal trace ID for the ACH payment, and also a running 30 day statement. He suggested waiting a few days to see if it turned up. 

I decided on Friday XX/XX/XXXX to call my bank to get the federal trace ID, and then I called back and spoke to an escalation manager, who after a detailed search found my payment. He confirmed this would satisfy my account and apologized for the issues. 

I thought I was good, however, later that day I got an email from Capital one that extended my loan by a month since it was " past-due '' and then based on that added another month of interest ( based on a revised amortization schedule ). I did not ask to extend my maturity date, nor did I agree to additional interest. 

The payment posted today XX/XX/XXXX, and I called in again to speak to an escalation manager ( XXXX XXXX XXXX ). He initially told me the fees were due to me having late payments over the life of the loan ( it has been on autopay since XXXX ), and then after pressing he reviewed my XX/XX/XXXX statement which noted that my payoff amount was what had been taken out of my account on XX/XX/XXXX. He also manually calculated the interest and couldn't understand why it was saying I owed another {$130.00} and the email didn't make sense why my loan was extended. 

He is currently escalating to try and understand what happened, however, this process has had me lose faith in Capital One ( and reading XXXX similar experiences ) that I may be forced to pay this {$130.00} or end up again delinquent or negative status on my credit.
Product: Mortgage

Started our Refi in XXXX At 3.275 % they lagged until the interest rate jumped to over 5 % .The rep.said they would not qualify for the loan because they only counted 60 % not 100 % from my IRA. Just today got the denial letter. Our lender is Freedom Mortgage.
Product: Credit card or prepaid card

XX/XX/2023 Charged 2 XXXX XXXX airline tickets on newly opened Bank of America XXXX XXXX XXXX master card credit card {$2100.00} Bank thought it was fraud, so on their own, they canceled the tickets with XXXX XXXX, XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX. 
BofA claim number XXXX Later, BofA changes their mind, says the charge is valid, and wont reverse. XXXX XXXX says they were never paid and won't reverse the charge or issue a credit... 
So now, I paid {$2200.00}, have no airline tickets, no flying credit, and BOfA wont reverse charges, and XXXX XXXX claims they were never paid for booking reference XXXX... 
Please help, they wont
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporter XXXX XXXX XXXX XXXX XXXX XXXX amount XXXX XXXX # XXXX Date : XXXX. has violated my rights 15 USC 1681 section 602 8 states I have the right to privacy 15 USC 1681 section 604 a section 2. It also states a consumer reporting agency can not furnish your account without my written instructions.
Product: Credit reporting or other personal consumer reports

I currently have some accounts and inquiries appearing on my credit report.