23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Capital One continues to charge me an annual fee for my Platinum card, despite the fact that the Platinum card has NO annual fee for new applications. The reason for this is because when I applied for the Platinum card over 10 years ago, I was a subprime borrower with no credit. Now that I am a prime borrower with exceptional credit, my Platinum card can be packaged into asset backed securities Capital One can sell, while still milking me for fees because they know I can't close my oldest account without lowering my credit rating. Federal legislation must be passed to stop Capital One 's predatory blackmailing tactics. How is " grandfathering '' annual fees legal, to say nothing of asset backed securities?
Product: Credit reporting, credit repair services, or other personal consumer reports

I leased a vehicle in Oklahoma from a XXXX dealership. After a period of time we moved to XXXX area. The vehicle is a 2020 XXXX XXXX ( electric vehicle ). In XXXX a recall was place for all years of the bolt due to XXXX short in the battery system causing the vehicle to catch fire. Their resolution was essentially turning the vehicle into a paperweight only to be driven in town and left outside. At the time I was in a corporate apartment and was told I couldn't keep the vehicle inside so I had to return it to the dealership. I processed all the paperwork correctly in a timely manner. Here we are in XXXX and its still not resolved due to their incompetence. I have bent over backwards accommodating them and now my credit has been hit and they are telling me that if I don't pay them they will repo the vehicle and turn me over to repossession even though they vehicle is in their possession. I'm am at my whits end and my credit is suffering for a vehicle that I can not drive. I have since purchased another vehicle and can/should not be responsible for a manufacture defected vehicle.
Product: Debt collection

account sold to PRA -- -paid for delete and they are still refusing to remove it
Product: Credit reporting, credit repair services, or other personal consumer reports

I have on numerous occasions that reporting my bankruptcy is illegal and violates privacy acts. XXXX is at fault as well for allowing you EXPERIAN for using my personal business.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXXXXXX XXXX XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX Bank # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXXXXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

Bank of America deducted {$230.00} from my California XXXX card on XXXX XXXX. I contacted the bank and that's when the lies started. I called the bank at least 3 times a week and was told its Ca XXXX who took the money, when all along Bank of America took the funds. Ever associate told me the same lie. One even gave me a couple so called confirmation numbers of the transaction between the XXXX and Bank of America/debit card. All the while this is a lie. Finally a " supervisor '' told me i had to talk with claims. So for another 10 days i would call and eventually put on hold. Shortest tine i waited was 3 hours 45 minutes. TWICE a day. Finally XXXX XXXX 2020 i got through to claims. She was rude and treated me/it like it was a fraud charge i was trying to pull off. Told me i would have to wait 10 business days. I shouldn't have to wait at all. Bank of America took my money so why do i have to wait for any investigation? Ive lost my cell phone because i couldn't pay the bill. I can't pay my full rent amount yet so eviction is looming. I would appreciate bring 4 treated with some respect by bank of America and compensated for my lost cell service and rent late fees. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent disputed to XXXX, XXXX and Experian for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed ( letters attached to show when I disputed account below ) 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account futher violating FDCPA 809b per the FTC opinion
Product: Credit reporting or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely updated : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX on XX/XX/XXXX under the account number ( XXXX ), a personal credit card account opened at XXXX XXXXXXXX on XX/XX/XXXX under the account number ( XXXX ), and a personal credit card account opened at XXXX XXXX XXXX  on XX/XX/XXXX under the account number ( XXXX ). These accounts have resulted in several fraudulent charge offs appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts. The aforementioned accounts, appearing on my consumer credit report maintained by you, were not opened, made, or initiated by me. All of the aforementioned accounts are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts are the result of identity theft and fraud.
Product: Student loan

I have tried numerous times to work with these people. I was making payments of almost 500 dollars a month. With 2 car payments and a mortgage that is impossible, we have been struggling to live, Not to mention XXXX children. They deferred all my payments for the 1st 3-4 years, just talking in circles. Not telling me the terrible effects of deferring payments. It 's honestly a shame and a sham, basically I had XXXX in student loans that doubled to XXXX because of Navient. I have paid down around XXXX. I would be willing to pay another XXXX the actual amount that I owed instead of the deferred amount that Navient created. Not to mention just recently I applied for the income driven repayment, which I was approved for. Then received an email saying I was denied. Was a total kick in the stomach.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have unauthorized inquires on my credit report I would like to be removed. There has been hard Inquiries made in violation of federal law. Pursuant to 15 USC 1681a ( 2 ) ( A ) ( i ), the term consumer report can not be containing information solely as to transactions or experiences between the consumer and the person making the report. As a consumer and pursuant to 15 USC 1681 ( a ) ( 4 ), you are to respect my right to privacy and XXXX, XXXX and Transunion has violated my right by allowing these transactions to happen.
Product: Credit reporting

Hello, I own a Credit Card from XXXX. 
I log in to my account from XXXX and I choose automatic payment withdraw for monthly payment. After 3 weeks I XXXX to log in to my account to look at my balance. I XXXX to many times to log in to XXXX Website, I decide to cool Customer Service regarding this problem with they website, They told me my Account is close and they block my Credit Card for IDENTITY TEFT and they will send me a new one and not to worry about that. I just have to wait to resave my new Credit Card and log to my account. I have to find out on my Credit Report XXXX charge me let fee and reported on my credit report.
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 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 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Mortgage

On XX/XX/XXXX Security First XXXX  submitted a premium invoice to Primary Residential Mortgage Inc, ( PRMI ) at XXXX requesting payment for the property locate at XXXX XXXX XXXX XXXX XXXX, FL XXXX. 

On XX/XX/XXXX Security First XXXX  submitted a second premium invoice to Primary Residential Mortgage Inc, ( PRMI ) at XXXX requesting payment for the property locate at XXXX XXXX XXXX XXXX XXXX, FL XXXX. 

The non-responses to said invoices resulted in a lapes of the home owner insurance policy, requiring an out of pocket payment to ensure reinstatement. 

A phone conversation with XXXX at PRMI on XXXX @ XXXX revealed PRMI had a system failure which deleted all information regarding insurance escrow payments. XXXX stated all customers needed to resubmit their home owners insurnace information. Notificaitions regarding sysytems outages or rquests for home owner insurance informtion was not received.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act ( 15 U.S. Code 1681 ), it is vital to emphasize the findings of Congress, which highlight the significance of accurate credit reporting for the efficiency of the banking system. Marketed as consumer reporting agencies ( CRAs ), these entities play a crucial role in assembling and evaluating consumer credit information. However, the Big XXXX CRAs rely on data from smaller CRAs, such as XXXX, to compile consumer reports. This practice prompts us to be proactive in safeguarding our privacy rights, which is the foundation of this process. 

Identity theft is a paramount concern, and its implications extend beyond the immediate transaction. Consent is essential, and its absence constitutes a breach of privacy. The reporting of unauthorized accounts, without my express written consent, reflects identity theft. CRAs are liable under the law for their negligent and willful noncompliance, as stipulated in 15 U.S. Code 1681n, entailing possible penalties of {$1000.00} per violation. 

Moreover, the practice of buying and selling personal information without consent poses a significant privacy issue. The compilation of a comprehensive report without permission constitutes identity theft. The protection of privacy is a right, not a privilege, and I demand that the agency promptly remove and block the identified information. 

I have meticulously followed the requirements outlined in 15 U.S. Code 1681c-2, as provided by the Consumer Financial Protection Bureau . Clear and conspicuous information was not provided to me regarding the reporting of these accounts, as mandated by the XXXX XXXX. 

By exercising my rights under 15 U.S. Code 1681c-2 and 15 U.S. Code 1681b ( 2 ), I am seeking a resolution to the violations of the Fair Credit Reporting Act. I insist on the immediate removal of the identified items, in line with their legal obligations within four days.

Furthermore, under 15 U.S. Code 1681d, the requirement for proper notification during the creation and furnishing of investigative consumer reports has been overlooked, contravening the law. 

Given the comprehensive evidence I have provided, I am pursuing a resolution to address the FCRA violations and the infringement of my privacy rights.
Product: Credit reporting or other personal consumer reports

My account with EXPERIAN was never late! I have had exceptional payment history with XXXX  XXXX 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. 


EXPERIAN 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 card

I have applied for a credit card with American Express around XX/XX/XXXX and was denied. I then received an adverse action letter in the mail dated XX/XX/XXXX with them showing lack of sympathy for denying me my credit. My application/promissory note and or security gave consideration and secured payment, which now was stolen by American Express XXXX My application/ promissory not was turned into a debt security according to their prospectus, which is then sold on the primary and secondary markets. I received no benefit for providing my security to American Express and no remedy to solve this matter. This is SECURITIES FRAUD which also violates their agreement with the SEC for Securities Exchange Act of 1934. 

240.10b-5 Employment of manipulative and deceptive devices. 

It shall be unlawful for any person, directly or indirectly, by the use of any means or instrumentality of interstate commerce, or of the mails or of any facility of any national securities exchange, ( a ) To employ any device, scheme, or artifice to defraud, ( b ) To make any untrue statement of a material fact or to omit to state a material fact necessary in order to make the statements made, in the light of the circumstances under which they were made, not misleading, or ( c ) To engage in any act, practice, or course of business which operates or would operate as a fraud or deceit upon any person, in connection with the purchase or sale of any security.
Product: Debt collection

In XXXX 2016, I noticed a derogatory tradeline on my credit report from Wells Fargo in excess of {$4900.00}. I was not familiar with this account and given recent revelations about Wells Fargo 's unethical and illegal practices regarding millions of fraudulent accounts, I requested, in writing, that they provide me with specific details associated with this account ( # 1 in attached ). 

Not only did Wells Fargo ignore my lawful request for information regarding a tradeline that they were reporting, they subsequently verified same with each of the 3 main bureaus - each instance a clear violation of Federal and State ( TX ) law. Wells Fargo continued this behavior on multiple occasions, despite my repeated requests for information. 

After months of my requests being ignored and the tradeline repeatedly being updated, I notified WF of their illegal activity ( # 2 in attached ) and demanded that they immediately cease reporting this account which they refused to apprise me of. This request was also ignored and the reporting continued. 

I ultimately reached out to XXXX XXXX, CEO of WF, directly ( # 3 in attached ), advising him of my experience with his company and asking for assistance. He, also, could not be bothered to reply to me or have anyone follow up. Their illegal reporting of this tradeline, that I have NEVER been provided with details of, continues to this day.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax failed to delete the errors on my credit report. Delete all negative errors on my credit report and the inquiries According to federal credit law spelled out in the Fair Credit Reporting Act ( FCRA ), a credit bureau is required to respond to you and complete their investigation within 30 days. If they do not respond within this time frame, they must remove the negative listing disputed. I gave them over 120 days per Pandemic Crisis.
Product: Credit card

In XXXX  I got a credit card for a dental bill I had to deal with. When I got the card I was told that I had 24 months to pay it in full or there would be interest on the card. I did make my payments and pay it down but the 24 months was not honored and also the interest for the loan is exorbitantly high. I had made steady payments and even made a lump sum payment of {$700.00} at the beginning and the balance was originally {$2600.00} and it is now still {$2000.00}.
Product: Mortgage

I received a letter dated XX/XX/2021 indicating I had a new single point of contact with the person 's name and phone number, but the number is the general number for the company, not the person 's extention. There was a second number to use to " escalate an issue '' but that person never answers the extention. 

It feels like the letter was sent because it had to be sent, but the firm ( PennyMac ) really was just giving lip service to the requirement. The letter was at best confusing and at worst deceptive. My call about the issue was shuttled around with no real answer.
Product: Credit reporting or other personal consumer reports

15 usc 1692 ( d ) ( 2 ) XXXX XXXXXXXX XXXX XXXX XXXX XXXX , XXXX  XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX  XXXX  are ruining my reputation by reporting negative info 15 usc 1692 ( g ) ( a ) suppose to send specific information within 5 days never did. 15 usc 1692 ( d ) ( 1 ) and 15 usc 1692 ( c ) I am demanding cease communication this is a cease and desist and dept validation 15 usc 1692 ( g ), 15 usc 1692 ( d ) all companies are harassing me.15 usc 1681 ( i ) all accounts are inaccurate delete accounts
Product: Credit card or prepaid card

Capital one venture card was used for 2 fraud transactions at XXXX and XXXX on XX/XX/XXXX. I disputed both on XX/XX/XXXX and I was denied for both. Capital one claimed that they were transactions made by us. However, these 2 transactions are fraudulent and I tried disputing but was denied by capital one. I have been a loyal capital one customer for years and this is the first time they have not helped with a fraud claim. However they were the ones who sent me a text on XX/XX/XXXX ( image attached ) asking me if I spent {$270.00} at XXXX and i said no and immediately called the credit card company to dispute it We were in XXXX XXXX at the time of the 2 transactions took place in XXXX ( 1.5 hours away ) and XXXX ( my fianc ) had the card in his possession and he was with me the entire day. I included 3 receipts of the transactions made in XXXX XXXX. We dont even shop at the mall where the 2 fraud claims were made.