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

On XX/XX/XXXX I visited Home Depot in my local area to open a credit card and make a purchase for an outside kitchen project. Among other things, the single purchase included XXXX kitchen aid grill, one kitchen refrigerator, one kitchen sink, and outside kitchen doors. I was approved for a $ XXXX credit line after application and I attempted to make the purchase of the items for {$2700.00}. 

The entire process was handled by Home Depot customer service. This is when the problems started. During the 2-3 hr transaction while at the store customer service counter, I was contacted by the fraud department on my phone. They were concerned that someone was trying to charge {$2700.00} seventeen times on my card. I was told that two were processed, which sent my card balance over the limit. I informed the fraud rep that the Home Depot customer service rep is trying to process the transaction right at that moment and probably did it. To shorten this situation, neither the online reps nor the store could resolve the issue nor print a receipt, so I left the store without any merchandise near closing after hours. 

Since I was not able to process the order, i waited a week or so until the problem was cleared from my credit card and I then went to a Home Depot closer to my home and made the same order. About an hour after the transaction, after i had left the store, I got a call saying the grill i purchased that they thought they had in store-they actually don't and the rep was going to cancel the grill off the order and then ask me to order it online. I did that, and i thought everything was good until i received the grill but kept getting notices for other grills ( same one ) in route to ship to me. 

After checking my credit account, I learned that i am being charged for a total of three grills. I also received a couple other duplicate items. This entire process has been one of the worst experiences i've ever had and I intend to payoff this card quickly and never apply again once my account is fixed. 

Note : recently the grill i did receive was faulty and had to be returned and i had to purchase another grill.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear CFPB, I am filing a complaint against XXXX regarding my account number : XXXX. The issue at hand is the inaccurate reporting of two late payments on my credit report. 

I have noticed that XXXX is reporting XXXX XXXX as 30 days late, while Transunion is reporting XXXX XXXX as late. This is a clear case of inaccurate reporting, and I am requesting that this error be corrected immediately. 

Under 15 U.S. Code 1666b, I have the right to dispute inaccurate information on my credit report. Additionally, 15 U.S. Code 6801 ( b ) 3 requires that credit reporting agencies ensure that the information they report is accurate and up-to-date. Lastly, 15 U.S. Code 1681b outlines the permissible purposes for obtaining and using consumer credit reports. 

I believe that XXXX has violated these consumer protection laws by reporting inaccurate information about my payment history. As a result, my credit score has been negatively impacted, and I may face additional financial consequences. 

I am requesting that XXXX correct their reporting errors and update my credit report to reflect the accurate payment history on my account. I would also like to request any documentation they used to determine that I was late on my payments. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
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 on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and 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 which is being posted to my report.

Here is the list of items which 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 XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  CA XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$96.00} ; XXXX XXXX XXXX XXXX XXXX XXXX : {$2900.00} ; XXXX XXXX XXXX Reference # : XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/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 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: Checking or savings account

Received a notice of checking and savings account and debit card from Bank of America. Called Bank of America and had accounts closed. Initial date was XX/XX/2020 when account was initiated by unknown. Have also reported fraud with XXXX. Changed passwords on multiple areas
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent the Credit Bureaus letters on XXXX asking them to verify the debt on my report. They have sent back stating that everything is verified correctly. My credit report is still showing inaccuracies. 
In accordance with the Fair Credit Reporting XXXX Account # XXXX, has violated my rights. 
15 U.S.C. 1681 section 602 A. States I have the right to privacy.

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.

If, after any investigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall... 

( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the investigation ; and Here is the accounts : XXXX XXXX XXXX XXXX Validate Account XXXX XXXX XXXXXXXX Validate Account XXXX XXXX XXXX Validate Account XXXX XXXX XXXXXXXX Validate Account XXXX XXXX XXXX XXXX Validate Account XXXX XXXX Validate Account XXXX XXXX Validate Account
Product: Student loan

I recently paid off my loan to Navient, and 2-days after the fact, noticed that I overpaid by {$.00}. I spoke w/ their customer service representative, who informed me that overpayments that amount to less than {$1.00} are generally written off. When asked to clarify, the representative, " XXXX, '' stated that essentially, Navient will keep that amount and will only refund if it 's {$1.00} or more. She asked if I wanted a refund of {$.00}, and I said, " Yes. '' XXXX had to check with her supervisor to approve the refund, but then told me to call back on XXXX XXXX, 2016 to escalate the issue to have a supervisor then refund me the {$.00}. When asked if I will get the interest on the {$.00}, they said, " No. '' I know that Sallie Mae/Navient would continue to add interest if I were {$.00} short, and if it took me more than 10-days to pay it, then I 'd certainly have to pay a larger amount. If they kept {$.00} of every over payment made to Navient, they stand to gain XXXX in a windfall. 

Needless to say, when I asked her why her supervisor could n't just process the refund now, she stated that it 's policy to wait until AFTER the billing cycle has passed. This all seems unfair and contradictory to the law and policy.
Product: Checking or savings account

Some time in XXXX I opened an Bank of America account in California and went back to XXXX in XXXX my account was closed on suspicion of fraud I had no prior knowledge of In XXXX I called the bank and they were unable to verify my identity so I could not solve the issue at the time as I was not in XXXX  Sometime that year XX/XX/XXXX I went to a Bank of America in XXXX to sort out this issue and they told me they didn't have any information of theirs and I was not a customer so I left the issue and now I'm trying to open other banks they are saying there is nothing I can do about this situation but wait it out
Product: Credit card or prepaid card

On XX/XX/2022 I applied for a CareCredit card through Sychrony Bank. I received one. In early XXXX I started looking into what it would take to get a mortgage and found out that Synchrony Bank ran 3 hard credit inquiries on XX/XX/2022. This was noticed after a XXXX XXXX ran my creidt. 

I have asked Sychrony Bank to correct this but keep getting letters stating that I applied for the card and that's why it was pulled. This is true it should have one ( 1 ) hard inquiry from them, not 3. I have had them admit on the phone that it was done in " error '' but nothing is being done and they have again sent me a request asking for a copy of the credit report that shows the error ( when they have already seen it and admitted it ). 

I sent them a copy of a portion of my XXXX report which shows the 3 hard inquiries from Synchrony Bank on XX/XX/XXXX and then the XXXX XXXX hard inquiry which was negatively affected by the 2 additonal hard inquiries that were done b

y Sychrony Bank. I again received another piece of correspondance asking for more inform
ation but I sent them all of the information via certified mail which I have confirmation of their receipt.

This has cost me literal hours on the phone with them ( I have proof of this ) and potentially mortage rate issues.

I never consented for my credit report to be pulled 3 times, I consented to one time and they have given me different stories as to why this was done and what they intend to do about it.

I would like to file a complaint and pursue penaly damages.

Thank you for your assistance with this. 

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I went to the bank to close 3 accounts on XXXX-19 the customer service rep closed 2 accounts and I had to come back on XXXX-19 to close the last account as it had a deposit pending I came back on XXXX-19 at  XXXX am and I was told the account was closed I left the bank with documents Stating the accounts were closed. I received an alert stating the last account was still open on XXXX-19 that means closing the account wasn't done and the documents I left with were useless paper. I went to the bank today XXXX-19 and spoke with the rep XXXX XXXX again and was told the account was not closed due to some issue. She was nasty and didn't want to talk to me about it so the other lady tried to explain that on the weekend the accounts don't close or something like it this is the banks mistake and I am not paying any overdrafts fees for nothing. I have also filed a complaint with the Consumer Financial Protection Bureau as this is a fraud on a customer of 10+ years. I informed all of our creditors 30 days in advance of a bank change and all of them acknowledge the change and if they didn't follow any of our changes then this is there fault, collect these charges on a CLOSED ACCOUNT ON THEM. We would not have closed the accounts the Suntrust accounts if they fixed the XXXX app it Never works needs to be downloaded daily Account Numbers are XXXX, and 2 others
Product: Credit reporting or other personal consumer reports

Notice of Intent to Sue for Violations of the Fair Credit Reporting Act ( FCRA ) and Related Consumer Protection Laws To Whom It May Concern, This correspondence serves as a formal Notice of Intent to Sue under 15 U.S. Code 1681n, as well as other relevant federal statutes and regulations, for LexisNexis Risk Solutions ' repeated and willful violations concerning the handling of my consumer report. Despite my efforts to resolve these matters amicably, LexisNexis has failed to comply with its legal obligations under the FCRA and other applicable laws. 
I am preparing to file a formal petition to sue LexisNexis in the XXXX XXXX XXXX XXXX XXXX XXXX  if this matter is not resolved within the specified time frame.
Product: Vehicle loan or lease

I have never paid a car note late if I cant pay I always make arrangements. XXXX XXXX XXXX I was in the hospital for XXXX weeks which o told them I can send them proof. They gave me an extension which covers XXXX, XXXX and XXXX making my next payment due XX/XX/XXXX. They reported I missed a payment and in the XXXX years I have had this car loan I have never been late. I feel this should be corrected because it did bring my score down.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a living human being ; I have rights under 15 USC 1681.

Equifax is governed by 15 USC 1681. They have violated my rights numerous times. I request the accounts below to be removed immediately please.

According to 15 USC 1681. I have the right to privacy, and I did not give Equifax written permission to furnish this account. 

Account Name : XXXX XXXXXXXX XXXX XXXX Assigned : XX/XX/2022 Amount : {$1200.00}
Product: Credit reporting or other personal consumer reports

I am a natural person, I am a living human being, I have rights under 15 USC 1681. 
XXXX, XXXX and Transunion is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be remove because According to 15 USC 1681 : I have the right to privacy and I did not give XXXX, XXXX and Transunion my written permission to furnish these accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

I had asked to change my payment date to the XXXX of the month from the XXXX. Which they did but they were reporting I was making my payments late and adding on fees. Now the last 3 months I had called to push my payment out which they agreed to and I made those payments and again late fees and reporting I wasn't making the payment to the credit bureaus. On or about XX/XX/XXXX I spoke with a customer service rep and told her I would not be able to make the payment for XX/XX/XXXX until XX/XX/XXXX, she instead set it up for XX/XX/XXXX and again I got a late fee and reported none payment!! They also cancelled my payment arrangement for the XXXX of each month multiple times. This is ridiculous!
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I sent XXXX XXXX XXXX a letter opting out of reporting. Its been over a month and they are still reporting. As a federally protected consumer, I have the right to opt out per 15 USC 6802. According to 12 CFR Part 1001, the Consumer Financial Protection Bureau ( CFPB ) is mandated to enforce federal consumer financial laws, ensuring the protection of consumers in financial transactions. This is also found in 15 usc 6805. 

By XXXXXXXX XXXX XXXX still reporting to third parties AGAINST my consent. Its a violation of my privacy. The Privacy Act of XXXX, specifically under USC 5 U.S.C. 552a and 34 CFR Part 99.. This action violates the privacy protections outlined in the Privacy Act, which governs the collection, use, and disclosure of personal information.

A consumers right to opt out is found 12 CFR Part 1016. 
XXXX XXXX XXXX duties according to 16 CFR Part 660 to report accuracy, completeness and integrity of information furnished to consumer reporting agencies. XXXX XXXX XXXX has labeled this debt as charged off. A charge off is labeled as a certificate of indebtedness and is technically INCOME per the IRS Publication 4681 ( " Canceled Debts, Foreclosures, Repossessions, and Abandonments '' ). Income is NOT reportable and must be removed. 
Please refer to the letter attached for more laws and violations.
Product: Credit reporting or other personal consumer reports

Under the Gramm Leach Bliley Act I have a right to opt out of getting my nonpublic personal information shared with non affiliated party XXXX, XXXX, Experian. They violated my rights by not providing me with the opt out disclosure because as a consumer I have the right to privacy and I also have the right to opt out getting my nonpublic personal to information to non affiliated third party
Product: Money transfer, virtual currency, or money service

On two separate occassions with XXXX XXXX XXXX XXXX as well as XXXX XXXX XXXX XXXX, I tendered two separate U.S Dollar Checks, the FORGE INSTRUMENT which CLEARED and funds where then debited! After my Case Application as filed before the Company as you already know, I was advised IF I WILL PROVIDE, I provided for THAT to the Company, through XXXX XXXX, and much more to do with the essence underwhere I am moving in for my pay relatively, but on 2 occassions, the Synovus Bank, through XXXX XXXX, have informed me that Funds are unavailable ( approximately XXXX U.S Dollars ) to clear my check tendered to XXXX XXXX XXXX vide XXXX XXXX. 
The case is well known and the Treasury disbursed the Funds, and the FORGE Instrument is the SOME instrument that was availed for me to be able to get my payments, but the Bank, Synovus Bank, through XXXX XXXX is advising me that FUNDS are unavailable!
Product: Credit reporting, credit repair services, or other personal consumer reports

I had made a previous complaint regarding XXXX XXXX because the balance was wrong in your credit report but yet it was right in your dispute center. Went to check again. Your showing that I have one account but yet when I go to dispute XXXX XXXX your showing two accounts. I knew XXXX XXXX was going to be added to my credit report and didn't know when it would be added. Can you please explain why this happening and why XXXX XXXX is not being shown in my report. This all seems backwards twice in a row in a short period of time. I can't see XXXX XXXX in my report but I can dispute XXXX XXXX! Makes no sense whatsoever. I am uploading the information. Please send me an updated copy of my report with XXXX XXXX in it by mail.
Product: Credit card

I, XXXX XXXX XXXX, submit this formal complaint against Capital One Financial Corporation for multiple violations of federal consumer protection laws, including but not limited to the Fair Credit Reporting Act ( FCRA ), the Fair Credit Billing Act ( FCBA ), and the Gramm-Leach-Bliley Act ( GLBA ).

Details of the Complaint : 1. Failure to Provide Required Consumer Rights Notices ( 15 U.S.C. 6802 ( b ) ( c ) ) : Capital One failed to provide me with legally required opt-out notices regarding the sharing of my personal financial information with third parties.

I never received a second notice outlining the procedure to opt out.

2. Unlawful Late Payment Reporting Without Proof ( 15 U.S.C. 1666 ( b ) ) Capital One reported a late payment to credit bureaus without verifying its accuracy or providing incontrovertible proof that the payment was mailed and delivered at least 21 days before the due date.

I formally disputed this, yet Capital One failed to conduct a proper investigation or provide any documentation supporting their reporting.

3. Willful & Negligent Violation of the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681n ) Capital Ones reliance on automated eOSCAR dispute resolution rather than performing a manual, meaningful investigation has resulted in ongoing damages to my credit profile. 
Despite my dispute, Capital One has failed to correct or verify the inaccurate reporting and did not respond to my formal demand for proof. 

4. Failure to Respond to Certified Legal Notice Acquiescence On XXXX, I sent a 5-page formal notice via certified mail to Capital One outlining their violations and demanding correction. 
Capital One received this letter, as confirmed by the enclosed certified mail receipt and return receipt ( green slip ). 
They failed to respond within the timeframe provided, thereby acquiescing to the claims made in my notice. 

Damages & Requested Remedy : - {$31000.00} in damages ( per attached invoice ) for statutory violations, emotional distress, financial harm, and punitive damages. 
-Immediate removal of all inaccurate and unverifiable negative items from my credit report. 
-A formal written response from Capital One addressing these violations. 

Supporting Documents : Invoice for Damages ( {$31000.00} ) Notarized Affidavit ( Sworn Statement ) Certified Mail Receipt ( Proof of Mailing to Capital One ) Return Receipt ( Proof of Delivery to Capital One ) Original 5-Page Demand Letter Sent to Capital One
Product: Credit reporting, credit repair services, or other personal consumer reports

Before I start, this site does not provide choices for how the bureau scores. 

About 2 weeks ago, my score was XXXX, then suddenly dropped XXXX points for no reason other than 1. I had no debt ( I paid off my mortgage and car loan ) and I paid down a credit card from {$240.00} to {$0.00}. 

The other bureaus did not drop my score from where they had it. Why is TransUnion able to hold such impact over a persons creditworthiness with such inconsistencies? 

This FOR PROFIT company should not be allowed to impact a persons ability to obtain, or maintain credit.
Product: Credit card or prepaid card

Comenity Capital Bank and its employee 's are engaging in willful and deliberate bad faith efforts to provide me my rewards in the form of direct deposit to my outside account. 
On XX/XX/2023 I called customer service to redeem my rewards as direct deposit. ( they only redeem direct deposits by phone ). I was informed there were {$16.00} available but the cs agent insisted that another employee be brought on the call to complete the transaction. The other employee made ( yet another ) " mistake ''. This bank has made a series of " mistakes '' since taking over XXXX XXXX XXXX. In fact, I was just informed on my XXXX statement of a system error that occurred way back in XXXX!!! Nothing but problem after problem since they've had this account. 
I only received {$5.00} in the form of direct deposit after being assured it would be the full amount ( check the recording Comenity! ) On XXXX XXXX XXXX  I once again called customer service to inquire and resolve the problem. I was informed the employee from XX/XX/XXXX noted in the file they made a mistake. So, why wasn't the mistake corrected at that time if it were truly a " mistake ''? Why wasn't I informed of said " mistake ''? On XX/XX/ customer service and their supervisor refused to correct their admitted " mistake ''. When can I expect to receive my money???
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter by certified mail to help establish a legal recourse. If you choose to not block the items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law XXXX XXXX  XXXX XXXX XXXX, TX XXXX XX/XX/XXXX, XXXX XXXXXXXX Balance : {$0.00}XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1300.00}, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$260.00} XXXX  XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX