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

I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XXXX XXXX I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.
Product: Credit reporting 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 the blocking of the erroneous information that 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 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 According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Debt collection

I resided at XXXX from XX/XX/XXXX to XX/XX/XXXX. I filed a complaint with HUD for discrimination. HUD did an investigation and found their property manager guilty of discrimination, and I have been being retaliated against since they found out I reported them. From the beginning of me living there, they have padded my water bill over {$300.00} they were forced to credit back to my account. They filed a fake eviction against me due to a clerical error by said property manager. The issue that Im filing with you is complaining with you is they filed this fake bill that has now destroyed my credit. Not only did I not owe them money when I moved out, but they actually owed me money, which I have the checks that I will attach of them, paying me for their involvement in discrimination against me. They didnt comply with our settlement agreement, nor have they done anything that they were supposed to do other than give me the checks and then compile a fictitious bill of things I dont owe them and added line items of things they actually paid me for. I attempted to contact the third-party collection agency who I informed of all of this information and was told to send the evidence and it would be removed and now they wont take my phone calls. 
All of the malicious, fictitious information XXXX has filed against me was pure retaliation against me for reporting their unstable property manager who was found guilty of discrimination against me, which they refused to acknowledge her unprofessional behavior as well as refused to fire her for her behavior. They transferred her to another property, but still employ this woman who intentionally destroyed my name on paper.
Product: Checking or savings account

Have you tried to resolve your complaint with anyone? : Yes Describe your complaint : I have XXXX XXXX XXXX I diagnosis in the month of XX/XX/2018 my XXXX XXXX   was started on XX/XX/2018, I am not working since that time I was behind on my MORTAGE payment XX/XX/XXXX XX/XX/XXXX and XX/XX/2018 on XX/XX/2018 I deposited two checks from different Account {$3300.00} in my checking account and on the same dayXX/XX/2018 I called my 5/3 MORTGAGE Department to let them know that funds will be available after 2 business days for my MORTGAGE payment which will be MONDAYXX/XX/2018, what the mortgage department did they CREDITED MORTGAGE payment on FRIDAY XX/XX/2018, these are professional bankers without checking my AC they charge me OVERDRAFT FEES {$37.00} three times, the specialist did not resolved my issue instead of that he blame on me that you means I am allowed them to charge mortgage payment there is recorded conversation, I humble request you to resolve my issue at your earliest for overdraft fees which is totally unacceptable 5/3 bank forcefully charged me.
Product: Credit card

Received a suspicious letter in the mail offering credit to my personally owned XXXX. Letter contains a " card '' with numbers, my name, a misspelling of my company 's name and says call to activate. The card lacks any emblem for XXXX, XXXX, or other processing companies and is offering {$150000.00} in credit at 0 % for 90 days. I immediately recognized it as a scam and am now reporting it.
Product: Debt collection

During the month ofXX/XX/2019 through initial days ofXX/XX/2019, IC Systems Intl , Inc, has refuted disputes, I filed specifically with XXXX to request they ( IC Systems Intl , Inc ) produce any evidence supporting that their reporting to XXXX is valid. I did not retain XXXX XXXX XXXX, service ( s ) at any point. I am XXXX and receive XXXX. XXXX  has not resolved this issue. The only reason, I have not filed suit and a Motion to Compel, removal of this falsehood, is because, I am uncertain where to serve the reporting agency with a Duces Tecum subpoena included. 
Please interceded. I requested in XX/XX/2019, from IC Systems , Inc, any proof of a contract or service and type of service. The only repetitive statement, they have to substantiate this false alleged debt is that it matches my social security number. This disparity in reporting has had a substantial adverse effect on me psychologically, physically and financially. No legal basis exists for any contract in this case. I have not hired or requested any products from the agency IC Systems Intl , Inc, bought this issue from ( XXXX XXXX ). I am on public assistance and XXXX with very restricted financial services to challenge the falsehood this company asserts against me. 
Thank you for your, time, courtesies and efforts in advance.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX attempt to get this matter resolved. I've submitted 3 previous complaints with the CFPB & you claim I'm submitting the information for someone else... I have no clue what in the world you're trying to accomplish by ignoring my request but it's just creating additional emotional & physical distress. XXXX, Equifax and XXXX have failed to comply with Fair Credit Reporting Act ( FCRA ). I disputed information was reporting to my credit file held with 3 credit bureaus. This account was opened fraudulently. I informed the Bank of the issue & provided them with the required documents to block/remove the account via FCRASection 605b. They have failed to block the account, additionally they have failed to provide me with any legal contract to reflect I was the one who opened the account. I need the XXXX removed from my report ASAP. Here is the name of the data furnisher & the account information. 

XXXX XXXX Date Opened : XX/XX/2018 Balance : {$720.00}
Product: Credit card or prepaid card

In XXXX, I signed up for a store credit card at XXXX. The card was administered through Comenity Bank. I made an initial big purchase of {$250.00} and paid it off in full on the Comenity website. I then charged {$59.00} to the card and was under the impression that I had set up the card to pay automatically. When the account became past due, I did receive calls from Comenity, but I thought they were spam. This is the reason I am writing to you today. I do not dispute the fact that I incorrectly assumed the card was set up for auto pay. I DO maintain that Comenity should have called me from a phone number associated with the bank and provided me with more information about what was going on when they left messages. The phone messages that were left for me said, Im calling in regards to an issue wit
h your Comenity credit card. No other information was mentioned not the name of the store or any other identifying information. When I googled the phone numbers from which the calls were coming, they werent associated with Comenity as a company. I then googled Comenity collections scams and found a lot of language on the internet about a scam around a Victorias Secret credit card ( which I used to use, but closed out years ago. ) I get spam calls every day and have participated in mandatory scamming training for my employer. All of the advice says not to trust someone calling you from a number not associated with the bank itself. Therefore, I assumed all of this was a scam until I finally saw my FICO score dip. When I checked on my credit report, I saw the card and immediately paid it off in full. 

I regularly carry balances of thousands of dollars on my credit cards and I always pay them off in full each month, usually utilizing automatic payments. This is the first time that Ive ever had something like this happen to me, and the first time that my credit score has dipped below XXXX. 

I wrote to Comenity and explained this to them. They wrote back and said they were unwilling to remove the negative remark on my credit report. My husband and I will be taking out a mortgage later this year, and Im so afraid that this dip will impact our interest rate. As I mentioned before, this has never happened to me. I have an otherwise spotless credit report. Im afraid that this one mistake will cost us in the interest rate were able to get on this much larger, much more important loan. 

Thanks again for your help today. Please let me know if there is any other information I can provide.
Product: Credit card or prepaid card

About 4 years ago I purchased furniture from XXXX XXXX XXXX. I applied for their offered credit card with 0 % interest through Synchrony Financial. I set up automatic payments to break up all payments equally for the duration of my promotional 0 % interest term. For years they debuted my account for the same amount every month without incident. It finally came down to the last few payments and suddenly without notice my monthly payments were significantly reduced. This was done in an effort to ensure I would still have a balance on my card once the ridiculous interest rate applied after the promotional rate ended. Luckily, I realized what was happening and quickly paid off my remaining balance before their plan could be carried out too far.
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously try to get the credit agency to look into an unverified account, but all they do is sent me back an account that they said it was verified. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.

Also. 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 instructons 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following Items or information any other adverse item of information, other than records or convictions or crimes which antedates the report by more than seven years. 

Too many violations to my rights. if this keeps going, my only option would be to seek monetary compensation for the damages done to me. I demand the following accounts be verified or removed immediately. I will also attach identity theft report from the FTC XXXX XXXX XXXX XXXX
Product: Credit card

I 've had this Capital One credit card for at least 6 years, without incident. My current credit score is above XXXX based on their own monitoring platform. I have not requested a credit limit increase in years. Yet, when I submitted the formal request through their site I was declined because " Recent use of this account 's existing credit line has been too low ''. ( Something I never heard from the XXXX other cards that increased my limit by XXXX-XXXX within the last 6 months. ) When I called to ask for general guidance around this undocumented and irregular practice, it was suggested that I consult a financial adviser. This disingenuous answer was not the operator 's fault, there was a meaningful pause while she asked a supervisor. *1. ) This answer is insultingly nonsensical. How would any 3rd party have specific insight into Capital One 's secret internal procedures they are unwilling to disclose to customers. *2. ) I have used and paid the balance every month for years. It 's inappropriate to demand higher usage because low balances/usage are a key part of every credit rating algorithm. I do n't see how a minor increase in credit limit should be contingent on a customer damaging their own credit rating. * 3. ) This denial, and what it represents, illustrates that Capital One has systematically violated the basic premise of credit ratings. They start low, and increase as consumers build a documented record of constructive behavior. There are only two ways to increase one 's credit score without applying for more credit. One, wait as the average age of revolving accounts and general credit history increases. This is a very slow process when the optimal length is 25+ years. Two credit limit increases every 6-12 months based on proper usage. Again, this is the only meaningful path for responsible users to systematically increase their credit score. By actively sabotaging this vital industry standard practice Capital One has expressed their intention to dishonestly prevent upward mobility and keep their own customers trapped in the indentured servitude that is undeservedly poor credit scores.
Product: Credit reporting

Equifax has fail to provide accurate and timely results on negative and unverifiable information on my report.
Product: Credit reporting or other personal consumer reports

I have Opt-Out from the financial institution XXXX XXXX Bank to not share my non public personal information. See attached opt out letter dated XX/XX/2024 along with previous CFPB complaint # XXXX against that institution.
Product: Bank account or service

Called Bank of America on XXXX XXXX to question a transaction previously reported as unauthorized. Stop payment was placed against merchant at conclusion of call. Several days after phone call, Bank of America deactivated my debit card and reset my debit card PIN. This was not discussed or planned based on the phone call on XXXX XXXX. Once I realized my debit card had been canceled, I contacted Bank of America by telephone. They apologized for the confusion and I requested rush shipping of the replacement card. The representative agreed and placed notes on the request to waive the rush replacement fee. As of the time of this filing, the replacement fee of XXXX USD was charged to my account and calling in this morning of XXXX XXXX resulted in the representative being unwilling to review the notes and waive the fee. He obviously was n't comprehending what I was telling him.
Product: Student loan

I enrolled in a course at XXXX at XXXX online. I financed the course thru Launch Servicing. After I started the course I was having issues accessing my course. So I requested to cancel out of the course. Launch servicing refused to Cancel the contract stating that the Cancellation period had expired after 10 days of enrollment. Note that since my previous claim no : XXXX which is closed, I have found an attached Email that I sent to XXXX as of XX/XX/XXXX ( 10th day from the day that I entered the online course as of XX/XX/XXXX ) expressing my frustration and my desire to cancel out of the course. My Instructor/Advisor have ignored my request to cancel ( see attached ). 
To put things in perspective and the fact that I was not able to access the course. I have sent a total of XXXX Emails to my XXXX XXXX XXXX between XX/XX/XXXX and XX/XX/XXXX. In addition, I have made XXXX calls to XXXX Customer Support between XX/XX/XXXX and XX/XX/XXXX. Out of the XXXX calls, I have been hung up on 5 times. In total from XX/XX/XXXX to XX/XX/XXXX I have made a total of XXXX calls to customer support. 
In light of this I don't feel justified in making any further payments.
Product: Checking or savings account

I received fradulent charges on my Bank of America account from XXXX. 

The charges were made starting XX/XX/XXXX. The total amount is approx {$530.00}. 

I contacted Bank of America to notify that these charges were not made by myself or my business and they are fradulent. The did a temporary reversal and then later in XX/XX/XXXX reversed the credit saying that XXXX is stating that the charges were legit. This is not accurate. There are at least XXXX different charges, many with the same amounts made on my business account. I wrote a letter and faxed it to Bank of America and when i call for status they keep telling me to refax the same letter. On XX/XX/XXXX I called Bank of America and was told by them that the merchant said the charges were legit so the claim was denied. The letter i sent states that I did not make those purchases. I am still stuck with these charges and need my account credited asap. I am a victim
Product: Checking or savings account

I received a check in the mail through Priority Mail addressed to me from XXXX or what looked like a typical low quality outsources company that XXXX regularly uses. I had issues with a number of purchases made through XXXX late last year and have been in contact with the outsourced customer support that XXXX provides even though I reached out through the XXXX  - was still given an out sourced reply that has what you expect from the outsources support world we live in now. 
So getting a check from a company saying they are associated with XXXX was not out of the ordinary.

I deposited the check thinking they were refunding me for the purchases that were in dispute. There is nothing illegal about depositing a check you receive. The check had watermarks and all security features listed on the check. It was delivered through Priority mail and the mailman even rang the doorbell to alert me to it, which isn't a common occurrence other that with more important mail deliveries.

The check turned out to be a scam. I immediately called the bank to inform them of the check being a scam and what the process was to not only stop it but to protect my own account- which seems to be one of the main reasons we use banks.
I wasn't given any info. My account was frozen and wasn't able to access my actual funds from my own hard earned money. Credit cards were being declined that I had on auto-pay which resulted in late fee 's and negative reports on my credit report that I have been working on for the past XXXX years to improve and have improved it to a Good rating- but now that is gone due to M & T bank freezing my account and refusing to help me with this. 
My rental insurance has also been cancelled due to non-payment. There is plenty of money in my account but M & T is not allowing me access to it and causing me great financial distress. They have literally stolen my money and aiding the scam to play out so that I am further caused financial distress. 

This is not what a bank should do. They should be there to help their customers in times like these as they are the financial experts and the role of a bank is to protect us. They have not. They have made this situation XXXX times worse. I am unable to buy food due to this. 
I have tried contacting them multiple times. I have spoken with their general CSR who said they were not able to speak to me.

I called the branch that gave me the fraud departments number. I called them and they weren't able to prove me any information. I submitted a XXXX  complaint and received a phone call from someone at MT but they also didn't give me any info. Upon their request I took pictures of the envelope and all paperwork that came with the check. 

I am unable to access the XXXX  of dollars I have in my account and the bank is treatiing me as if I was the one who orchestrated this scam. I deposited a check that seemed legit all things considered and that is not a crime and I should not be treated this way. 

Thank you!
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my previous communications via mail and the Consumer Financial Protection Bureau ( CFPB ) concerning my request for a reinvestigation and the removal of disputed negative items from my credit report. Unfortunately, I have not yet received any resolution or response from your department, and this matter remains unresolved.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> XXXX sent me the results of an investigation into my CFPB complaints cases XXXX and XXXX. In the letter detailing the results, it stated that payments were made on various dates and one XXXX payment was returned. It also stated that the correction to my credit reports for a 30 day late payment could not be adjusted/removed UNLESS a banking error had occurred. THIS is exactly what happened. A payroll direct deposit was suppose to be automatically made XXXX. And it was, but the bank didnt deduct the payment due to it being a new direct deposit account. The funds were in the account. The bank acknowledges that pending payment should have been processed. No insufficient funds fee was charged to me. Also my overdraft protection should have covered the amount. So there was actually two banking errors. 
The returned item should not have been. This was a banking error and falls within the parameters set by XXXX XXXX  that would reverse the 30 day late payment. XXXX needs to abide by its own statements. Their investigation results letter is enclosed. Proof of banking error is also enclosed.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account does not belong to me.

15 U.S. Code 1681c2 - Block of information resulting from identity theft a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 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 information relating to any transaction by the consumer.
Product: Debt collection

THERE ARE SEVERAL HOSPITAL BILLS ON MY CRESIT REPORT FROM XXXX SERVICES AND I HAVE CONTACTED THEM ON SEVERAL OCCASIONS, THEY REFUSE TO HELP.