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

My account with ( XXXX XXXX XXXX XXXX XXXX ) was never late! I have had exceptional payment history witH capital one and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed.

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

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


( XXXX XXXX XXXX XXXX XXXX  ) Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 3rd request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card or prepaid card

Hi, I got approval for Gold Delta miles card from American Express on XX/XX/2019. 
The terms for promotion is so simple. I can get XXXX Delta miles if I use $ XXXX in 3 months. 
So I met the requirement for spending in XX/XX/2019. 

Till XXXX, I couldn't see the promotion miles on Delta site. I contacted American Express and they said I can get the promotion in a couple of cycles later. 

On XXXX, I couldn't see the promotion miles on Delta site. So I contacted Amex again and they said they can not give me the promotion because I may not use the credit card. I think I met all requirement for the promotion so I have to get it. 

Would you help me to get it? 

My card number was XXXX XXXX XXXX and skymiles number is XXXX Thank you in advance.
Product: Debt collection

I spoke to your company before and informed you that I am in dispute with the medical service provider and that you needed to validate this debt. This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested. This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION.. I respectfully request that your office provide me with competent evidence that I have any legal obligation to pay you and provide a detailed, plain and simple list ( not coded ) of any and all services or a line by line itemization report of charges. If your offices have reported invalidated information to any of the three major Credit Bureau 's ( XXXX, XXXX or XXXX ), said action might constitute fraud under both Federal and State Laws. If so please delete from collection. Ive had Medicare insurance for the past 18 years.

Thank You
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent a letter to each of the credit bureaus, XXXX, Equifax, and XXXX regarding inaccurate and unknown items on my credit report. As of this date, I have not received a response yet. I believe that I am being taken advantage of and ignored regarding my disputes. In Section 611 ( a ) it is clearly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been almost 60 days, XXXX days exactly. Therefore, the items should be deleted promptly. I demand these items and/or accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have gotten into the wrong hands.
Product: Debt collection

Hello- I've been working to confirm the instrument of indebtness in its original form to be able to confirm this debt. How is it that I owe a debt for which a contract can not be produced? Furthermore, I'm seeking LITIGATION '' as I have not been supplied proof per doctrine of estoppel by silence. XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX. I presume no evidence of the Alleged Debt therefore exists. This account remains on my credit file but needs to be removed at once.
Product: Checking or savings account

This account was transferred to this branch when the banks changed names. This is a business account that was in my name and social security number, I was the only authorize user. The other account signer resigned from this organization on XX/XX/year> XXXX XXXX XXXX resigned from this organization. 
There was check fraud on this account that I reported to U S Bank XXXX XXXX XXXX and filled of the necessary documents to have this case investigated. I also notified the Vice President of the US Bank XXXX XXXX : number XXXX email address XXXX, on several occasions with no response regarding the fraud on my account. 
I am going to file a lawsuit against this branch and I need to be given all of the documents that they used to transfer the funds {$19000.00} out of my name without any notice. 
I am still the XXXX XXXX XXXX and no one should be allowed to remove these funds. 
Return the funds immediately.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL, XXXX XXXX XX/XX/year> Equifax XXXX XXXX XXXX XXXX, GA XXXX Subject : Dispute of Inaccurate Information Under XXXX XXXX. XXXX ( b ) and XXXX XXXX. XXXX To Whom It May Concern, I am formally disputing the following accounts listed on my credit report due to several inaccuracies. As per the Fair Credit Reporting Act ( XXXX  ) under XXXX XXXX. XXXX ( b ), consumer reporting agencies are required to follow reasonable procedures to ensure maximum possible accuracy. Furthermore, under XXXX XXXX. XXXX, inaccurate or unverifiable information must be corrected or deleted within XXXX to 45 days of a dispute. 

The accounts I am disputing are as follows : XXXX. XXXX Account # : XXXX XXXX. XXXX  XXXX Account # : XXXX XXXX. XXXX Account # : XXXX XXXX. XXXX XXXX Account # : XXXX XXXX. XXXX XXXX Account # : XXXX XXXX. XXXX XXXX XXXX Account # : XXXX XXXX. XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX Systems Account # : XXXX XXXX. XXXX XXXX Account # : XXXX The information reported on these accounts contains several discrepancies that violate my rights under the FCRA XXXX I request that each of these accounts be verified for 100 % accuracy across all three credit reporting agencies or immediately removed from my credit report if the information can not be verified. 

If this matter is not resolved within the XXXX to XXXX timeframe, I will have no choice but to proceed with legal action to seek damages of {$1000.00} per inaccuracy, as permitted under the FCRA. 

Please provide me with the results of your investigation in writing, along with an updated credit report reflecting the necessary corrections or deletions. If you require any additional information from me, please let me know immediately. 

Thank you for your prompt attention to this matter. 

Sincerely, [ XXXX XXXX
Product: Checking or savings account

On XX/XX/2022 my payroll was direct deposited into my primary account with Santander Bank. I then transferred money from my primary account into a secondary joint account. A court order was issued against the secondary account holder and they took my money that I can prove is my money to satisfy the court order. Now they are dragging me through the coals to get my money back. Please assist!!!
Product: Student loan

In XXXX had several student loan with XXXX which were in repayment for years. Because I could n't meet the minimum payments my loans were transferred to numerous of collectors. I continued to pay my loans via these collectors who harassed me day in and out and realised my meager payments were n't helping the matter and ceased payments. Fast forward 7 years later i am now being sued by several collections law firms for an astronomical amount claimed to be owed by me. The accounts were charged off/ closed in XXXX and navient has recently updated information on my credit report stating my last payment was in XXXX which I have requested proof of, and have yet to receive. I do believe i am a victim of unfair practices. None of these firms have provided the requested documentation of all credits and debits made to this account. navient is constantly changing the amount of days past due on my account which is inaccurate and dishonest. these practices are unethical and must be stopped. thousands have been paid back and i am being held responsible for more that twice than what was borrowed and paid. furthermore the statute of limitations placed on private loans have come to term and is being ignored.
Product: Credit card or prepaid card

I get a lot of credit card offers from different companies, saying that Ive been preapproved, or invited to apply. They tell you all about their disclosures, rates terms etc. but what they dont tell you is whether you will be considered if you have a bankruptcy on your record. I think it should be their responsibility to tell you, that if you are applying and have a bankruptcy on your record you will not be considered For credit. Im trying to rebuild my credit after a bankruptcy and Ive had a couple cards declined me, because of the bankruptcy. But it damages my credit with inquiries, that I wouldnt normally have had had I known this in advance.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act this creditor has violated my rights under 15 u.s.c 1681 section 602 states I have the rights to privacy 15 u.s.c 1681 section 604a section 2 it also states a consumer reporting agency can not furnish a account without my written instructions under 15 u.s.c 1666b a creditor may not treat a payment on a credit card account under a open and consumer credit plan as late for any purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX went to a XXXX XXXX bank branch to open a business credit card. With the assisance of the XXXXXXXX XXXX personel. When he prepared documents, he advised representative not to list business address and only list residential address for all bills and correspondence. 

The incorrect address was listed for all bills and correspondence as to the XXXX XXXX card. This was the bank branch 's error and the branch has already admitted this was an error on their part. 

Since, the billing and mailing address were not correct my client did not receive the bills and or any correspondence, the account became past due and was closed. When my client realized the error, and the account was past due, he immediately paid the bill in full. 

Due to the address error, the bill was paid late and reported late payments to the credit bureaus, thus affecting my client 's personal credit. The credit card was also immediately closed due to lack of payments. 

XXXX XXXX XXXX returned to the XXXXXXXX XXXX branch. The XXXX assistant manger admitted the error on their part and advised they would submit a form to correct the late credit reporting and reopen credit card account. As of today, no action has been realized. 
,
Product: Credit card

Subject : Unresolved Charges Dispute Regarding XXXX XXXX XXXX Dear Consumer Financial Protection Bureau, I hope this message finds you well. I am writing to bring to your attention an ongoing issue I have encountered with my credit card provider, Capital One, related to a recent rental car transaction with XXXX. 

I utilized XXXX for a rental car service and took the necessary steps to avoid additional charges, including refilling the gas tank and using my personal toll pass. To my dismay, I was billed for both gas and toll fees despite complying with the rental agreement. 

Upon noticing the erroneous charges, I promptly filed a dispute with Capital One, which initially resulted in a refund. However, to my surprise, a subsequent price adjustment led to a reiteration of the charges. Despite providing conclusive evidence of having refilled the gas and utilized my own toll pass, Capital One has been unresponsive and unwilling to address this matter satisfactorily. 

I am seeking your assistance in resolving this issue and ensuring a fair and accurate resolution to the disputed charges. Your intervention in facilitating communication between myself and Capital One would be greatly appreciated. 

Thank you for your attention to this matter, and I trust that the Consumer Financial Protection Bureau will help in rectifying this situation promptly. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

PayPal will not release my funds or close my account
Product: Credit card

On XX/XX/XXXX. I received a charge for XXXX for XXXX XXXX XXXX I called TD bank to dispute while transaction was pending. Representative mentioned they cant do anything until it post. Waited a day and called back. Placed a claim for transaction. 

Background : my card was expired XX/XX/30 I requested a new card. Never received it. My card was more likely intercepted in the mail. 

XXXX is not a normal transaction in my pattern of usage. if you check Ip address that card was used online. It will not match anything I own if thats even possible. I cant be responsible for this change. This is a nightmare. Complete Fraud and TD is not taking this crime seriously.

There were no other transactions around this date. Because I did not have the card in my possession.
Product: Debt collection

TD BANK N.A. is improperly and illegally reporting a collection on my credit report under acct # XXXX. 

This is affecting my credit score and ability to apply for new credit.

Please remove it immediately.
Product: Consumer Loan

I used a company called Freedom Electronics as well as Freedom XXXX, I currently am still paying on both loans. My balance seems to be increasing. I took out the loan with Freedom XXXX in XX/XX/2014 and electronics in XX/XX/2014 as well. I have yet to receive a payment history of which cant be viewed online. When I asked for a payment history I receive attitude. I also checked my credit report and see nothing about this loan. A monthly statement would be nice to see what the heck my money is actually going.
Product: Checking or savings account

I am filing a complaint with CRPB regarding Capital Ones failure to deposit direct deposit from my employer and any other incoming deposits. Capital One has cited technical issues, which may violate the Electronic Funds Transfer Act ( EFTA ) as it requires timely access to funds. I dont have access to my funds paid out by my employer which is unfortunate for someone living paycheck to paycheck now I am at risk of cut off notice. I request your assistance in investigating this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just received a copy of my credit report and to my surprise, I noticed that my right to privacy has been violated. By no means have I given you any permission to report non-public personal information without written consent. Nor have I provided any financial institution, or third party ( collection agencies ) authority to obtain any information.

In regards to 15 U.S. Code 6802 Obligations with respect to disclosures of personal information ( c ) Limits on reuse of information Except as otherwise provided in this subchapter, a nonaffiliated third party that receives from a financial institution nonpublic personal information under this section shall not, directly or through an affiliate of such receiving the third party, disclose such information to any other person that is a nonaffiliated third party of both the financial institution and such receiving the third party, unless such disclosure would be lawful if made directly to such other person by the financial institution.

I do not consent to any third party obtaining non-personal information without my knowledge or notice. The Fair Credit Reporting Act ( FCRA ) was enacted to protect the confidential information on consumers ' credit reports from misuse, fraud, and theft. It gives consumers the right to ensure that the information on their credit reports is not only correct but private.

Also in accordance with 15 U.S. Code 1681a Definitions ; rules of construction, ( 2 ) ( C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 1681m of this title.

Due to the breach of my privacy, I am requesting the following items be Deleted Immediately.

there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Delete this account. 

there is some inaccurate information reporting. 
XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2022 Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, transunion refuse to correct info on my report even though it is paid in full. I have email confirmation
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax, XXXX  and XXXX  have invaded my right to privacy by reporting false, inaccurate and fraudulent information which has directly ruined my reputation as a Consumer as neither credit reporting agency, hereinafter 'CRA ', have adopted reasonable procedures to maintain my confidentiality which is in direct violation of 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) ( b ). An identity theft report was created with the Federal Trade Commission on XX/XX/2020 and the above listed CRA 's were each notified between XX/XX/2020 and XX/XX/2020. Two out of five accounts there were reported as fraud have since been removed as of XX/XX/2020 however, the remaining three accounts opened in fraud still remain and are being reported without my consent as a consumer.
Product: Payday loan, title loan, or personal loan

In XX/XX/2021, I receive an offer from Discover Personal Loan of {$25.00} personal loan and i applied online. I got a denial letter email on XXXX XXXX. The reason of the denial was Unusual risk seen with other similar personal loan applications. I am suprise and confused because according to their own credit monitoring, my FICO score was XXXX, {$0.00} late payment and my debt ratio was under 30 % I called the customer service in Arizona and spoke with XXXX to get an explanation and she can not explain either of what is denial is all about. It is my impression that if you applied for credit you application was being reviewed based on your ability to pay, debt ratio, delinquency ( if any ) and not by comparing my risk with other applicants I sent a letter on XX/XX/2021 requesting Discover to explain details the reason of the denial and as of today, i have not receive any response from Discover.
Product: Credit reporting, credit repair services, or other personal consumer reports

The accounts listed are not related to any transactions done by me. My personal information was breached, and I was a victim of identity theft.
Product: Credit card

CHASE did not handle fraud charges on my card properly. It took multiple calls and I was transferred to as many as XXXX people per call. They kept sending past-due statements even though I closed out the account. Now they have reported to the credit reporting agenices that I have been behind two weeks on payments - the fraud charges of just around {$30.00}. My credit has been harmed by CHASE reporting that I have been late on payments.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that it was impossible to recover my lost funds and tracking the transactions is unfeasible. The CFPBs findings indicate that zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting or other personal consumer reports

Recently I looked at my credit file and found info that can't be verified and info that is not accurate these items are not being reported 100 % correct. Under 15 US code 1681e ( b ) and 15 use 1681i ( 5 ) this data on my credit is a clear violation of not reporting 100 % accurate. 

The following accounts are a result of Identity theft and XXXX! Please take action and remove them from my credit report asap! 


Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

requested removal of unknown inquiries contact bureaus for removal and nothing was done I will provide a identity theft report due inaccurate report