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

I have a co-branded XXXX XXXX issued by Capital One. XXXX uses less than stellar practices when the card is used online for store pickup. When placing your order, they generally get an authorization greater than the amount of purchase when you by weighted goods. I have no problem with that. My problem is that they d not submit the charge under the same authorization number. Instead, upon pickup, they send a second charge for the final amount through. The original authorization often does not fall off for 10 days although the final charge haas cleared the account causing declined transactions. 

This is not a one off but a standard practice according customer service. A charger should be presented on the same authorization thereby zeroing it out. The limit on the card is so low, that I have had my card declined in store a week later due to.n authorization that should have been zeroed out by the purchase however, they let the authorization ride for the 10 days it takes to fill off by the issuers rules. 

XXXX should not have twice as much of your credit line utilized as your purchase I believe that this practice is also illegal. Just this week, I had a XXXX subscription declined with another company because their initial authorization on a cleared transaction not only maxed out my bailable credit but appeared to show show my card over limit. The actual transaction cleared nearly a week before my card was declined, XXXX encourages customers to use curbside pickup as this gives 5 % cash back where in store shopping only gives 1 %. This deceptive and borderline illegal practice must stop. I was offered XXXX for my inconvenience. This does not repair the relationship with the other merchant whose transaction was declined due to XXXX over authorization. 

On more than one occasion I have not been able to use my card for basically the only reason I got it - grocery shopping. 

Further, the issuer should know better than to allow this practice to continue.
Product: Mortgage

This incident started XXXX XXXX with XXXX XXXX XXXX, I was for a loan modification that my daughter had applied for to reduce her interest rate, my husband is a cosigner on the account so it has directly impacted him. During the time of the loan modification XXXX XXXX XXXX sold the loan to Selene Finance, which in turn took until XXXX of XXXX to complete. In the mean time she was making all payments as requested by XXXX XXXX XXXX, completed the trial period of restructured payments assigned by XXXX XXXX XXXX to redo the loan with a lower interest rate on XXXX of XXXX. Since then she has been getting late notices and has been put in the credit bureau for non payment due to the change of payments made by XXXX XXXX XXXX and XXXX XXXX, the amount of payment were changed by the bank from {$930.00} to XXXX, but during the course of the transition between banks and them modifying the loan it took a year and them holding the payment in an unapplied funds account causing credit damage to them and my husband. We are still fighting with them and the credit bureau to fix this matter, my husbands score went from excellent XXXX to fair XXXX, he closed a business down with perfect credit and now due to the lack of concern on the banks concern has had his credit ruined due to someone not being able to do there job. We do hope you can help rectify this matter. 
We will be glad to send you all documentation to support this issue.
Product: Credit reporting or other personal consumer reports

XXXX XXXX reporting late after just 5 days. No notice given. Late payment can not be verified. CFR 1029.11 states credit balances in excess over {$1.00} has to be credited in full to the account by creditor.

Late payment reporting inaccurate on report is violation of 15 usc 1666 ( b ) Please see to it late payment is removed and balance is credited in full
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer. 

These are the accounts I marked as inaccurate : XXXX XXXX
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX, VA XXXX ; XXXX XXXX XXXX  XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX Balance : {$32000.00} ; XXXX XXXX Balance : {$10000.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XX/XX/XXXX.
Product: Debt collection

IM TRYING TO MAKE PAYMENTS FOR THE LAST TWO WEEKS BECAUSE I WAN NA FIX MY CREDIT BUT NO BODY ANSWER OR CALL ME BACK, WENT I TRY TO MAKE A PAYMENT THRU THE INTERNET THEY ASK ME FOR AN ID WICH I DONT HAVE THAT AND IM NOT ABLE TO MAKE THE PAYMENT OR DO A PAYMENT PLAN I WILL LIKE TO PAY THE DEBT OR MAKE A PAYMENT PLAN.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I did not authorize anyone employed by these companies to make any inquiry and view my credit report. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number.While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : List all inquiries the name of the company and the date it was added to your credit report. 

I did not authorize these inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

Dear XXXX XXXX XXXX NAVY FEDERAL, I have recently become aware of a claim being made against ( XXXX XXXX ) by the attached correspondence from XXXX XXXX. Please provide proof of your Legal and/or Equitable chose in action ( YOUR RIGHT TO HAVE ACERTAIN SUM OF MONEY PAID ON DEBT ) upon seven ( 7 ) days of this notice, as well as the associated chose in action insurance policy/ies. I am also requesting the governing Trust instrument. Thank you for your prompt consideration and understanding of the agreement in good faith. Sincerely, XXXX XXXX
Product: Debt collection

This should not be in my credits report, this is an error, the Idont recognize the debt XXXX XXXX XXXX. Idont believe that this debt is valid.
Product: Credit card or prepaid card

Got texts from American Express stating I had a card. Then a transaction taking place and to go to this website to login and check accounts : http : //americanexpresscardservicescardconfirmationcardXXXX   I instead XXXX American Express and was taken to a different site and then called them to make sure I did not have an account with them and reported it but they said it was not their problem in so few of words. So I am here hoping you actually do something. The website clears as a safe and reliable site from fraudulent website checkers.
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 
Under 15 U.S. Code 1681e ( b ) Accuracy of report, Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681 ( i ) ( 5 ) Treatment of inaccurate or unverifiable information ( a ) In general if, after any reinvestigation 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 results of the investigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

The below listed items have not been verified by the furnisher therefor please remove the following items from my credit report, immediately. 
XXXX XXXX
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

I recently looked into my credit report, which made me very depressed. I discovered items that your agency didn't double check to make sure were 100 % accurate, unverifiable, erroneous, and suspicious. 

Everything on my credit report must be 100 % accurate in order to comply with the Fair Credit Reporting Act, 15 U.S. Code 1681e ( b ) and 15 U.S. These accounts violate Code 1681i ( 5 ) by not providing 100 % accurate information. Copies of every letter sent are attached below.
Product: Credit reporting, credit repair services, or other personal consumer reports

Your credit inquiry is damaging my credit rating.
Product: Credit card

Dear officer, I made a purchase of a really small amount on my credit card XX/XX/XXXX. The bank failed to send the monthly statement by mail and so I was not aware of the balance on the credit card. I did not make any other purchase on that card since then. The credit card company never contacted me about the past due until XXXX months later when I was warned by the credit score change ( 800+ to 620 ) from another credit card company. The bank have all my contact information on file including email address and phone number but obviously they did not try to let me know about the problem. I think the bank should be responsible for providing the account information to me and warn me about past due. Thanks!
Product: Credit reporting or other personal consumer reports

XX/XX/year>, I asked multiple credit companies that charged off my accounts to provide me with a 1099C. I have not received a 1099C from any of the credit companies. I am in the process of cleaning my credit report after not being able to work and pay my bills due to a diagnosis and treatment for XXXX.
Product: Credit card or prepaid card

I was informed by a debt collection agency ( Midland Credit Management ) that they want to obtain payment from me in the amount of {$660.00} for a credit card opened in my name in XXXX of XXXX. I told them that I had not opened a credit card that whole year. They checked their records and concluded that their records were accurate. The address they had on file was XXXX XXXX XXXX XXXX, CA XXXX. This is the address of my ex-wife whom I divorced in XXXX of XXXX. Her name is XXXX XXXX ( aka XXXX XXXX, aka XXXX XXXX  ). I believe that she opened a credit card with my information without my permission. 
The credit card account is : XXXX XXXX Bank Credit Card XXXX XXXX XXXX XXXX
Product: Credit reporting 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. 
Agency : XXXX Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX This account has violated my rights under these federal laws : * 15 usc 1681 section 602A states I have a right to privacy. 
* 15 usc 1681 section 604a section 2 states a consumer reporting agency can not furnish an account without my written consent and instructions to that consent. 
* 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information, these companies have broken this law without my consent. 
* In addition, under congress law 15 U.S. Code 6802A, 15 U.S. Code 6802B, & 15 U.S. Code 6802 B ( opt out ) part 1a, b & c, it details my rights as a consumer in which I was not granted these rights. 
* Late payments are illegal according to 15 usc 1681a ( 2 ) ( a ) ( i ) Because of that, I want these accounts immediately deleted off my credit report with all consumer reporting agencies. 

Attached are copies of their violation of my rights : XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX, ( XXXX ), ( XX/XX/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 Secured Loan opened at 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 XXXXXX/XX/XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( XXXX ) as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

I received a declined credit notice from XXXX XXXX when I never submitted an application or had any contact with this company
Product: Credit reporting, credit repair services, or other personal consumer reports

I am an XXXX Driver. I recently moved to another state and requested that XXXX change my location which they did. I submitted all my documentation and they ran a background check using a third party provider which is CheckR. 
They informed me that I was ineligible XXXX XXXX because of either a pending XXXX XXXX or XXXX. I reached out to both XXXX and Checkr numerous times notifying them that the information was incorrect. I have never been charged or arrested for anything. I requested a detailed copy of the report from Checkr as I know I am entitled to see what is on it. Checkr is sending me only a brief summary of the report and not giving me the full report listing the charges making it impossible to dispute the information on the report. I did speak to attorney who told me to get the full report from Checkr so that we can dispute the incorrect information they are reporting. 

Please see the supporting documents that I have attached. You can contact me through, phone, text or email with any questions. 

Thank you for your help and attention to this matter.
Product: Checking or savings account

I had Bank of America contact me saying someone was trying to deposit a check from me into their account for {$32000.00}. The person trying to deposit the fake check was a XXXX XXXX, told to be by Bank of America fraud protection. They called me and I confirmed that I don't have an account with a XXXX XXXX XXXX and told them that it was a fraudulent check. I called XXXX XXXX XXXX and they asked for the account number on the fraudulent check, so that they can further investigate. Bank of America told me that they couldn't provide me with that information. I asked for a copy of the check and they also refused to provide that to me. Seems to me that someone has opened a fake account under my name and are now writing checks under my name. I just want a copy of the fake check, so I can put a stop to this before my credit is destroyed. Seems like they are trying to protect the criminal. 

XXXX
Product: Bank account or service

USAA Bank would not give me a legal department phone number to discuss a recent bank Levy on my veterans benefits. I advised them they were disregarding Federal Regulation as of XXXX XXXX 2011 that advises banks they can not garnish freeze or Levy an account in amounts of a government direct deposits. According to this regulation it is there sole responsibility and obligation once a garnishment notice is received to look back two month to insure there are no governments direct deposit for XXXX of any type to which can not be frozen and it is their obligation to notify the party that is attempting to freeze the account for the amount that can not be Frozen. USAA Representatives failed to pass me on to a supervisor advising they were not available and also they refused me any contact to their legal department as well as refusing to remove the freeze on my account of my veterans benefits which is the only direct deposit ever made since his account was opened
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed bankruptcy in XXXX which included and account with : One Main Financial XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX XXXX After my bankruptcy processed, One Main financial re-reported the same account that was discharged in bankruptcy as being late and over-limit. 

I have disputed this matter with both XXXX and XXXX, who keep reporting the information is correct. My disputes were never that the information was wrong -- but that the information was discharged in bankruptcy and should be removed from my credit report. To date, the information is still on my report. 

XXXX and XXXX will not remove One Main financial from my credit. 

I have also notified One Main Financial of the bankruptcy and discharged debt. They still send collection notices and call to collect the debt -- post discharge. They still constantly report late payments to my credit report.
Product: Credit reporting

Hello, I asked TransUnion and XXXX to delete an Account from my Credit Report but was unsuccessful in my efforts. I asked them to send me proof of validation but they failed to do so. I would like you to look into this and help me correct / delete an Account that is not mine from my Credit Reports with these two Credit Bureaus. 
Thank you very much.
Product: Credit reporting or other personal consumer reports

It has been a battle going through this and I am submitting this complaint to delete the following fraudulent items in my file that are reporting on 3 Credit Bureau. I am a victim of identity theft and did not make the charge or the accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
showing on my credit report. I therefore request that you immediately remove these items from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action.
Product: Credit card

I remitted a payment to my JP Morgan Chase credit card moments ago via the company 's mobile application on XXXX XXXX, 2016. The due date on via the app is XXXX XXXX ; however, in checking my recent charges/expenses, it showed that JP Morgan changed me a {$37.00} late, which was imposed on XXXX/XXXX/16, which happens to be the date of my payment. I spoke with a rep, who in a condescending tone, stated that any payments made online after XXXX would be considered late, despite the fact that it is XXXX. JP Morgan should not be imposing late fees base on the limitations or capabilities of its system ; instead, based on the agreed upon due date. JP Morgan has repeatedly charged me with, and thus reduced my available balance based upon faulty due dates and limitations on their system. This abrupt reduction in my available balance has also impacted my credit score. Please help.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concern regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with this platform. Despite using Zelle numerous times and reporting discrepancies. My financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was 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. This lack of accountability and transparency is unacceptable raises serious concerns about consumers safety.i
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions.
Product: Student loan

I am on track for Public Service Loan Forgiveness. At one point my loans were serviced by the XXXX XXXX XXXX XXXX - that was shut down and my loans were transfered to my current servicer, Fedloan. Fedloan is alleging that payments I made in 2012 are not " qualifying. '' I have asked them for a copy of my payment record from 2012, which they say they are ordering a review of, but refuse to provide me with. How am I supposed to prove that I made payments in 2012 without access to these records, my bank doesn't retain records older than 7 years. Fedloan is refusing to provide me with a copy of my payment records.
Product: Credit reporting, credit repair services, or other personal consumer reports

i found recently that is an account has been reported to my credit file and its not even belong to me, i contact with company to find out but i found poor respond from their end this account is not belong to me and its damage my financial life,