23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

On XX/XX/XXXX I made my credit card payment, before the due date and more then minimum. Then again on XX/XX/XXXX I made another payment however my payment was not due until the XX/XX/XXXX and because I was in the same billing cycle it was not credited to my XX/XX/XXXX statement. Unaware of this I logged into my account on line to make another payment for XX/XX/XXXX and saw that I was charged a late payment fee and was delinquent with my XX/XX/XXXX payment. I have attempted several times to straighten this matter out. All of the representatives I have spoken to understand what happened and they were kind enough to remove the XXXX late fee however they are reporting me late on my payment history. I have had this card 5 years and have NEVER been late with a payment and ALWAYS pay more then minimum. I have a credit line of {$750.00} and have requested a credit line increase and was denied because of a missed payment!!! And this is how they are reporting to the Credit Bureau.. that I was delinquent on a payment!
Product: Checking or savings account

On XX/XX/2023, I opened a checking account with capital one bank. I made a mobile check deposit of {$2200.00}. On XX/XX/2023, the check cleared but capital one sent an email that the funds will be available on XX/XX/2023. 
As on XX/XX/2023, the funds are not available for transactions. The bank has placed me on reaching voicemails. I can not reach any agent or customer representatives. 
I have tried to contact them for the past two weeks up to no avail. 
I do not know why they do not want me to assess my funds to be able to pay urgent bills. 
I hope that Cfbp will intervene so that this issue will not happen to unsuspecting customers.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX and XXXX are reporting an lvnv account to my report that is against fcra law. I was never given the option to opt out, never given charge off form 1099 and also have no contract with these people. This is a violation of 15 usc 1681i and 15 usc 1681s2b along with several other violations of 15 usc 6802 and 15 usc 1692g, 15 usc 1692e and 15 usc 1692f. If this illegal disclosure of fraudulent information is not removed legal action is imminent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to a dealership with an approval of credit from my bank for an auto loan and explicitly yold them not to run my credit thru multiple outlets, as they have several different lots and they agreed. They then said it was REQUIRED by the credit bureau to run it theu their system and I ended up with MULTIPLE credit request ( over 70 letters came to my house ). I had my credit report frozen on all bureaus and they still allowed for this to happen. It affected both my husband and myself
Product: Credit card or prepaid card

so I paid these two accounts off in full on both of them. then I get my bill and one still has XXXX in interest and the other one about XXXX. I call customer service to find out what's going on and I get these supervisors overseas that have no power to do nothing on the account but press buttons that tell them yes or no they have no power to make exeptions it like talking to a scripted robot I paid over XXXX and these guys wan na charge me another XXXX on both my accounts I have been a loyal customer with them for years and keep my accounts in great shape they don't care about loyalty they don't care about anything you can't complain to the cooperate this worthless supervisors are the highest u can ever get and they have the authority to do nothing not a darn thing what so ever I want my interest back on bot account I refuse to pay that is really ridiculous there is XXXX on XXXX and XXXX on XXXX these are such small amounts they are trying to rob me for I just gave them XXXX grand and paid these off in full and they can't give me courtesy credits on these where is the world coming these companies are just nickel and dimming people to death its ridiculous
Product: Credit card or prepaid card

On XXXX 2017 I received a offer from american express for a Delta SkyMiles credit card. The promotion said use the credit card to make a travel with Delta Skymiles and I will received XXXX $ of credit in my Account. Unfortunately, after 5 month I do n't received my credit and now in my account I must to pay this balance.
Product: Checking or savings account

Wells Fargo information where breached All my information where past down
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and request the immediate removal of fraudulent accounts from my credit report. This dispute stems from a case of identity theft, for which I have filed a formal report. Additionally, I have contacted the companies associated with the fraudulent accounts. The companies have acknowledged the identity theft report 's authenticity and identified a potential system glitch that has hindered access to the records. They have assured me of the prompt removal of the fraudulent accounts, which has been erroneously present on my report for over five years.But somehow, these fraudulent accounts are still existing on my report under your bureau and I'm wondering what kind of verification process have you done.Please remove the accounts from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX  XXXX XXXX  # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX  XXXX # XXXX XXXX XXXX  # XXXX US Dept of EDU # XXXX US Dept of EDU # XXXX US Dept of EDU # XXXX US Dept of EDU # XXXX US Dept of EDU 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.
Product: Vehicle loan or lease

I had a car loan with fifth third bank. When I bought another car, the loan was closed. I had automatic payments coming out of my checking account to pay the loan and neglected to put a stop automatic payment. It made a payment after the loan was paid off. I called and put a claim in. The representative told me to email evidence that it was taken out of my account. I did comply and he then told me that the claim was approved and I would receive a payment in 10 days. That was XX/XX/2024.
Product: Mortgage

I have already submitted a complaint regarding Chase Bank # XXXX ( and as hard as I've tried, I can not reset my password ). I had applied for a loan modification, in which I had financially qualified for, but after 6 months of waiting and submitting ALL paperwork/documents requested, I was denied. The reason for my denial was 'not primary residence ' when I SPECIFICALLY asked that very question BEFORE I applied.

However, to top that discrimination, I have now received an huge INCREASE on my mortgage payments of {$50.00} ... .I already have a hard time paying my mtg, so why would Chase increase it? Can you help with this problem as well as my original one?

Thank you
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, CA, XXXX XX/XX/XXXX Investigation Request Letter To Whom it may Concern, I recently reviewed my credit report and found a few inaccuracies on my account. These issues are negatively affecting my ability to obtain credit. I understand that you will investigate these items to confirm their accuracy. Please verify the following item for me. 

XXXX XXXX  XXXX account XXXX XXXX opened XX/XX/XXXX Please investigate If every piece of information is correct, if not correct, please remove off my credit report. 

XXXXXXXX XXXX XXXX  accounts # XXXX opened XX/XX/XXXX Please investigate If every piece of information is correct, if not correct, please remove off my credit report. 

XXXXXXXX XXXX XXXXXXXX account XXXX XXXX opened XX/XX/XXXX Please investigate If every piece of information is correct, if not correct, please remove off my credit report. 

XXXX XXXX XXXX account # XXXX opened XX/XX/XXXX Please investigate If every piece of information is correct, if not correct, please remove off my credit report. 

XXXX XXXX XXXX account # XXXX opened XX/XX/XXXX Please investigate If every piece of information is correct, if not correct, please remove off my credit report. 

Are you familiar with 15 U.S.C. 1681i ( a )? According to this regulation, if proof can not be provided for the accuracy of accounts, they must be deleted. I request that you delete any accounts that are not 100 % completely accurate. 
Please investigate the following accounts and remove them if there are any discrepancies. I understand from a credit site and board that you have 30 days to complete this investigation. Kindly check these accounts and inform me of your findings.
Product: Debt collection

This account that I am complaining about concerning Equiant Financial INC. I found a fraudulent account in my credit report. 
Now I recently found this company furnishing derogatory information about me. I sent Equiant Financial INC a letter of dispute of the alleged debt on XX/XX/2023 for validation of debt 12 CFR 1006.34 - Notice for validation of debts. I did NOT get a response from Equiant Financial INC. regarding this alleged debt. Unfortunately this company did not give me Lawful validation for the alleged debt under the FDCPA or responded to my validation letter. I sent on XX/XX/2023 to Equiant Financial INC a letter to cease and desist all communication between me and this company. I also requested Equiant Financial INC to provide me with the permissible purpose that they have the right to furnish anything about me XXXX XXXX in any Consumer Reporting Agencies. If Equiant Financial INC can not prove that I gave permissible purposes they must delete this account from any CRA. 
I did give Equiant Financial INC a chance in good faith to validate the alleged debt. This is a FDCPA violation and makes it an Identity theft under 18 USC 1028 A. Furthermore Equiant Financial INC is furnishing inaccurate information about the account. According to the IRS the definition of a charge off is considered Income. Income does not get reported to the CRAS According to XXXX, and this debt has a XXXX  balance according to the original creditor. What are they collecting on? The alleged debt has already been charged off through the IRS with a 1099-C Cancellation of Debt.

These are the violations of Consumer LAWS, and Criminal LAW.

15 U.S. Code 1681b ( c ) ( 3 ) Permissible purposes of consumer reports.

15 U.S. Code 1681 q - Obtaining information under false pretenses.

18 U.S. Code 1028A - Aggravated identity
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute an unauthorized and fraudulent credit inquiry that has appeared on my credit report. After reviewing my credit history, I noticed a credit inquiry on my file, which I never authorized, nor did I provide consent for. I want to make it absolutely clear that I did not give permission to this companyor any third party acting on their behalfto pull my credit report. 

This unauthorized inquiry is not only a violation of my privacy, but it also represents an unwarranted action that has the potential to negatively impact my credit score. I consider this to be a serious issue, and I expect it to be resolved promptly and thoroughly.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to Human Trafficking debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of human trafficking of Debt Bondage and would like for all listed accounts to be blocked and deleted company information from XXXX, XXXX and TransUnion. 

Please delete the following accounts : XXXX XXXX Account number : XXXX Balance : {$0.00} XXXX XXXX  XXXX Account number : XXXX Balance : {$380.00} XXXX XXXX XXXX Account number : XXXX Balance : {$3200.00} ( Original Creditor XXXX XXXX XXXX XXXXXXXX XXXX ) Account number : XXXX Balance : {$180.00} XXXX  ( Original Creditor : XXXX  ) Account number : XXXX Balance : {$3200.00}
Product: Mortgage

I applied over the phone for a Navy Federal account. I also applied online for a Mortgage. Almost 7 days later, no one has contacted me on the mortgage. I called Navy Federal. 2 associates refused to help me because the initial representative miskeyed my DOB. The " supervisor '' I spoke to has MLS # : XXXX. The correct DOB was on the mortgage app and I asked them if they could verify it from that source - they refused. I asked if they could verify it from their CIP source, they refused. I also offered to verify any other piece of information, including the funding information for the account used to fund the Navy Federal Accounts or any piece of data from the mortgage application. They refused. They completely refused to help me because of an error their own associate made when they opened my account. 

I can't get information on my own accounts, or status on a mortgage application and I find that to be completely unacceptable.
Product: Credit reporting, credit repair services, or other personal consumer reports

I took out a Personal loan installment loan with a fixed interest rate from XXXX XXXX XXXX. I borrowed an amount that allowed me to pay it off with monthly payments over a scheduled period of time. I paid the money off early to avoid added interest. I was informed that there would be no penalty for paying the account off early. 

My problems and why I feel I am being penalized for paying my account off early. On XX/XX/2021 i received notification via XXXX XXXX and XXXX app that I had a closed account. When I checked the notification it had XXXX XXXX XXXX as the account that was closed. It also showed where this action dropped my credit lower or made my credit score go down. This is not right. it should have been reported as a Paid loan account. It does not even say Paid and closed. It just says closed. I called the local XXXX XXXX XXXX Office and reported this and they claim they can not do anything about my credit score going down. I was never late on a payment and I paid the account off before the scheduled date. I should get points added to my credit not taken away. I am requesting that this practice be looked into. I feel that I am being discriminated against or retaliated against because I paid this account off early. I should not get a reduced score on my credit report for paying every month on time and paying off an account early.
Product: Credit reporting or other personal consumer reports

Account Number starting with : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX, Whose address is XXXX XXXX XXXX XXXX, DE XXXX XX/XX/year>, Dear : whomever who is reading this I hope this letter finds you well. I am writing to officially communicate my decision to opt out of any and all authorizations, whether written, unwritten, or verbal, in accordance with the Fair Credit Reporting Act ( FCRA ), as a protected federal consumer. As per 15 USC 6802, I am exercising my right to revoke any authorization that may have been previously given, and I request that you cease any further use or disclosure of my information in this regard.

Please acknowledge this request and confirm in writing that my decision to opt out has been duly noted and implemented. I appreciate your prompt attention to this matter. Thank you for your cooperation. 

Sincerely, XXXX XXXX XXXX
Product: Student loan

Looking to see where the student loan refund that was submitted is. Thank you.
Product: Debt collection

This debt collector American Recovery Service Incorporated XXXX XXXX XXXX has been harassing, demonizing, stalking and threatening me for years. It appears that they are part of a criminal racket which is money laundering for drug cartels. i : have indicated to XXXX that i : never borrowed any monies from whoever they claim that i : borrowed money from. In fact, recently, i : did an investigation and found out that my identity has been stolen. When i : saw that there are XXXX different types of my name XXXX not a single XXXX being correct ] has been used with my SSN to economically damage me, i : reported that to police and to FTC. i : also send several debt validation and verification to these people or their co parties agent XXXX XXXX ) principle XXXX XXXX ). They never ever validated nor verified the alleged debt. Moreover, i : have demanded that these debt XXXX to send me their particulars to wit : XXXX License, XXXX, XXXX XXXX and XXXX XXXX so that i : can mitigate my economic losses that they continue to cause me, i : want to be able to make several claims against their particulars, Id but they are concealing those in criminal violation of XXXX XXXX XXXX XXXX Concealment ] while they continue to unlawfully damage me and my family. Please have these criminals stay away from me and my family, as far as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 SECTION 602 A. States i have the rights 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 1666B : A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any reason.
Product: Credit reporting or other personal consumer reports

Just within the past 2 months I have asked all three credit bureaus for my credit reports I have yet to receive them as I've had identity theft from Financial breaches to credit bureau breaches to healthcare breaches to communication breaches there's false information on these reports I'm suffering from identity theft which I've reported I'm not getting help from anywhere and I'm in a hole with credit card debt that I should not have if it weren't for identity theft and breaches as well as my information being found on a dark web as well as Accurate background check producing inaccurate information
Product: Credit card or prepaid card

On XX/XX/2021 HSBC BANK USA N.A decreased the credit limit to {$1900.00}. On XX/XX/2021 the credit card balance was paid in full by balance transfer. HSBC decreased the credit limit twice within one year. This credit account has always been paid as agreed. HSBC reported the decreased credit limit to the credit bureaus causing a negative impact to my fico credit score. HSBC mailed a letter listing false reasons for the credit decrease. There is a bankruptcy filing that has appeared on my credit history during the origination of this credit card account. This is Bad Business practices by HSBC Bank.
Product: Student loan

I attended XXXX for two years in the late XX/XX/XXXX, incurring a student-loan debt of over {$13000.00}. I began paying the loan back almost immediately, through monthly payments to ( at that time ) XXXX XXXX. In the early XX/XX/XXXX, when my wife became XXXX and stayed home to raise our daughter, I deferred the loan. At that time I believe my remaining loan balance was around {$9000.00}. Upon resuming loan payments much later, I discovered that my new loan balance was now over {$12000.00} ( almost back to the original amount ). Still I kept paying ... Since XX/XX/XXXX I have been making payments through Navient, and have paid them around {$4200.00}, with a still-remaining balance of {$4100.00}. I 've requested a complete payment history of my loan since it was first incurred, but Navient can only provide me with data since they acquired my loan. I know for a fact that I 've paid back the original {$13000.00} amount through payments all these years, but ca n't confirm anything without a complete history, which no one can provide. I currently have no job and can no longer afford to pay, and much worse, I ca n't afford NOT to pay, lest my balance balloons right back to where I started. Please help!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX # XXXX How can you say this account is accurate when clearly it's not... EVIDENCE IS RIGHT THERE IN BLACK AND WHITE... date last active XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, experian XX/XX/XXXX THAT DOESN'T LOOK ACCURATE TO ME! ! 3 DIFFERENT DATES..THIS REPORTING IS A VIOLATION MY RIGHTS AS A CONSUMER .... DELETE THIS ALREADY SO I CAN REST!!
Product: Credit reporting or other personal consumer reports

My address is incorrectly listed on my credit reports. My correct address is XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

I 've disputed with all three major reporting credit bureaus ( XXXX, Experian, XXXX ) .I 've submitted three different disputes regarding unverified accounts via cretified mail. There responce is verified without back-up documents. This issue is drastically affecting my ability to re-finance my properties! I feel as if I 've reached a road block. I greatly appreciate your assistance in this delicate matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 Your company Experian received a certified letter of dispute ( s ) in regards of the following accounts ; 1.XXXX XXXX XXXX XXXX, 2. XXXX XXXX XXXX XXXX  # XXXX, # .3XXXX XXXX XXXX  XXXX XXXX, 4. XXXX XXXX XXXX # XXXX, 5.XXXX # XXXX, 6.XXXX # XXXX, 7.XXXX XXXX # XXXX, 8.XXXX XXXX # XXXX, 9. XXXX XXXX # XXXX Also account listed as XXXX XXXX XXXX  # XXXX, late payment dispute was never verified with proper 100 % accurate verification. 
More than thirty days have passed, and I have not received proof that you have validated or provided 100 % accurate verification, as in accordance with the Fair Credit Reporting Act section 609, 611.