23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I had a charge account with XXXX XXXX XXXX XXXX. I paid my bill every month on-line through my bank app on the second of every month. I got a notice in XX/XX/XXXX that my payment that my payment was {$14.00} and instead of making an over-payment by continuing my {$50.00} payment I paid {$14.00}. When my statement came in XX/XX/XXXX, it had me owing over {$40.00}. I called the customer service and spoke with someone who told me I was being charged {$25.00} late fee and that I needed to pay {$8.00}. This all occurred the first week of XXXX. I asked the rep to waive the fee and I told him I would go into my local XXXX store and pay the {$8.00} ( XX/XX/XXXX ). 
I went on-line to ensure the store rep told me the truth and I still saw my balance was over {$40.00}. I phoned back and spoke with a different person ( female ) and she verified that my account balance was {$8.00} and the late fee was waived. 
In XXXX I received another bill doubling the fees and I phoned again and this time I was told because I paid on XX/XX/XXXX instead of XX/XX/XXXX, I owed more fees. I told the rep I had been a loyal customer and paid bill on time and I have no intention of paying any late fees especially when I only owed {$8.00}. 
We are retired and our in-come helps care for my spouse and I and I refused to be " nickel and dimed '' to death for no good reason. Now the present billing statement is over {$300.00} plus I have gotten hundreds of unknown calls from XXXX XXXX XXXX XXXXXXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I sent a letter to XXXX XXXX XXXX requesting validation for a debt that they say I owe. In response I received a letter from them on XX/XX/year> with a final account statement and a lease that did not correspond with one another that they say was the evidence that verified this debt. Upon looking at the information that XXXX 's provided I notice that the final account statement lease dates does not match the lease that was provided. The lease that was provided states that it is a renewal lease in which I never signed a renewal lease. I only lived in the apartment for one year. They wouldn't allow me to renew the lease until I had allege balance paid off which was incorrect. On the renters ledger account, they have fees and balances that are inaccurate which I sent all the proof to show that this account thats reporting is inaccurate. I resent another letter on XX/XX/year> to XXXX 's letting them know that the lease they provided is not the accurate lease for the term I stayed in the unit. It is now XX/XX/year> and XXXX 's have not responded. I then take this situation to the CRA 's and sent them all the proof that this debt is reporting inaccurating and the debt collector is trying to collect a debt based off of false paperwork from the original creditor. In response, XXXX and XXXX has responded that the debt is accurate and will remain on my credit report. With all the proof that I've sent them that clearly shows that this debt is not accurate, they are still reporting that it is which is a huge voliation to the FCRA. Neither XXXX XXXX XXXX or the CRA 's are willing or trying to fix this sitiuation in the right way which is deleting this inaccurate information from my credit report which is affecting my ablity to obtain credit. I have sent you all the proof that I've gathered up to show that this account is inaccurate and needs to be removed promply.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXXXXXX XXXX  XXXX ; Highest Balance {$10000.00} XXXX XXXX XXXX ; Highest Balance {$10000.00} XXXX ; Balance {$0.00} These accounts are not my accounts. They are reporting late and Ive never even opened these accounts nor do I know where they come from. I dont own a bank account to revive a loan. This is fraudulent!
Product: Mortgage

Hello, Re : loan number # # # # # # # # # #. 

I am emailed Mr. Cooper again of issues with my mortgage 's escrow account and property tax bill ( county tax ). 

I spoke with a Mr. Cooper representative in early XXXX ( I believe XXXX ) because I received a delinquent tax bill. The representative had me email a picture of the bill to XXXX. 

Amount due originally was {$1200.00}, and now including penalty is {$1300.00} if paid by XX/XX/XXXX and {$1300.00} if paid by XX/XX/XXXX. 

I see now that another incorrect payment ( disbursement ) for property tax was made here in XXXX ( XX/XX/XXXX ) for {$1200.00}. 

Prior to this delinquent tax bill I learned and informed Mr. Cooper that an incorrect payment ( disbursement ) for property tax of {$1300.00} was made back in XXXX ( XX/XX/XXXX ). 

My escrow account needs be corrected and my property tax needs to be correctly paid, including any and all penalties. 

The 2 incorrect disbursements need to be credited to my escrow account and Mr. Cooper needs to pay the XXXX XXXX treasurer {$1300.00} by XX/XX/XXXX or {$1300.00} by XX/XX/XXXX for my parcel.
Product: Credit card or prepaid card

USAA SAVINGS BANK XXXX XXXX XXXX XXXX XXXX, TX XXXX I was rebuilding my credit and opened 3 credit cards XXXX, XXXX, XXXX ( was XXXX ) but they changed into a XXXX. XXXX {$5000.00} $ XXXX XXXX $ XXXX XXXX the cards did what they were supposed to do, I repaired my credit by having 100 % on time payments. I paid of the cards with the CD 's established to secure them. I thought USAA was really a XXXX XXXX XXXX ( I am a XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Veteran ) As long as the cards were Maxed Out and I was making the minimum payment everything was great and I got great customer service. However ; my credit being repaired I have 8 unsecured cards, the secured.cards were no long need. I knew they were paying only .50 ( half a percent ) interest on my CD securing the cards, and they were loaning my money out for 11 -17 % to members of the CU. And I knew they were charging me 11-17 % on my purchases and more on cash advances ( 35 % ). BUT WHEN I PAID THE CARDS OFF! That is when I found out USAA did not love me and were not altruistic. The beginning of the TWILIGHT ZONE! That is where the problems started. 1. I asked for my refund on my XXXX to be deposited into my Checking Account, causing me to have to drive 180 miles round trip to pick up a {$110.00} check. 2. I asked for my refund on my USAA Secured XXXX to be deposited into my Checking Account, causing me to have to drive to collect {$24.00} XXXX. I asked fo rmy refund on my other USAA Secured XXXX to be deposited into my Checking Account and they so far have refused to refund {$550.00} to date. Giving me many excuses why they can not release my REFUND???? THEY ARE RETALIATING AGAINST ME FOR ASKING FOR MY OWN MONEY! signed
Product: Debt collection

I received a call XX/XX/19, at XXXX XXXX  to my do not call or text cell phone ( XXXX ) XXXX from a caller ID hidden number. The caller represented herself as member of the XXXX County District Court. She requested that I have a relative call her immediately regarding a fraud case and told me that my son XXXX XXXX XXXX as well as me, XXXX XXXX XXXX may be called to the court in the fraud case. She told me to have the relative call XXXX ext XXXX and gave me the name XXXX XXXX. I called the number given and connected to a voicemail. I told them I would be reporting XXXX because of the misrepresentation and they have no right to contact me regarding a debt collection that is not mine. I directed them not to call me again. Almost immediately, XXXX called me again, twice, which I did not answer. I was left a voicemail to call them and talk. XXXX reported the true phone number as XXXX. I have kept the 27 second voicemail from XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I disputed Credit Collection Service/ XXXX  XXXX XXXX XXXX on all three credit reports. Credit Collection Service/ XXXX XXXX said they had verified my account properly. 

Credit Collection Service/ XXXX XXXX XXXX XXXX did not verify this account properly and they are still reporting it on my credit report. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ),  you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I have attached the type statement up sent me.
Product: Credit reporting, credit repair services, or other personal consumer reports

The names of XXXX XXXX XXXX or anything XXXX related are not mine and are of the woman who stole my identity. I have been trying for 2 years to get this corrected. This included several certified letters with social security card, drivers license, police records etc. Also any hard inquiries from XXXX and XX/XX/2016( e.g., XXXX, XXXX XXXX, XXXX etc ) need to be taken off report.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft, pursuant to Section 605B of the FCRA all fraudulent information must be removed
Product: Debt collection

Collector on the phone stated my debt was being reviewed by their lawyer/law department. This debt is a credit card debt over 3 years, its at least 7 years and in NY state you can not sue for a debt over 3 years old
Product: Credit reporting, credit repair services, or other personal consumer reports

Per my previousecomplaint that involved 2 Credit Reporting Companies. I recieved a partial response and only from one of the companies before CFPB closed the complaint with NO resolution and again a partial response. So first my Presto Auto Loans account was never late not even the 1 time both companies show. XXXX and XXXX. Nor was it closed as a negative as XXXX  shows. XXXX  is the only company with the correct information. Also in the botched response previously recieved from XXXX  and the suggestion from CFPB before they actually read the complaint and made sure the responce we completed by both companies and that the false information provided by XXXX  was accurate and closed the complaint, the information provided from your response of me being able to contact and dispute the information online is not correct. I have attempted numerous times over the past 6 months to try and get these issues fixed. When you try to submit online it tells you XXXX is unable to receive disputes online. I also have sent numerous letters will all required information with no response from XXXX.
Product: Money transfer, virtual currency, or money service

I went into a California US Bank branch on XXXX XX/XX/2024. I cashed a US Bank check for {$500.00}. And since I am not a member I was charged a XXXX XXXX  nonmember fee. This fee came out of the check. When I requested a receipt, I was told I would not be given one because cashing checks is not a standard transaction. But now I have no proof that I paid the transaction fee, or that there even was one.
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 is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please remove these items. 
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance {$0.00} XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance {$0.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Ive been in communications with ( TransUnion, XXXX or XXXX ) about inaccurate personal information on my credit report. Even after notifying them many times about this error they still continue to report this incorrect personal information on my file. Not only is it unfair, its also illegal. By law 15 U.S. Code 1681 ( b ) it clearly states that your reporting agency must follow these Reasonable procedures : require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance. 
This whole thing is unfair. This has been stopping me from being able to move forward in my life because of this inaccurate information being reported on my credit report. I have told ( TransUnion, XXXX or XXXX ) many times I do not consent to the inaccurate personal information listed below to be reported on my consumer report. This in clear violation of 15 U.S. Code 1681 & 15 U.S. Code 1681c2 Inaccurate Personal Information ; Incorrect Name - XXXX XXXX- The personal data reporting is inaccurate. 

Incorrect Name - XXXX XXXX XXXX - The personal data reporting is inaccurate. 

Incorrect DOB - XXXX  - The personal data reporting is inaccurate. 

Incorrect Address - XXXX XXXX XXXX, XXXX, GA, XXXX - The personal data reporting is inaccurate. 

Incorrect Address - XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, GA, XXXX - The personal data reporting is inaccurate. 

EMPLOYER - XXXX XXXX - The personal data reporting is inaccurate My only name is XXXX XXXX My only address is XXXX XXXX XXXX XXXX, GA XXXX My only date of birth is XX/XX/year> My only employer is NONE AT THE MOMENT
Product: Credit card or prepaid card

Hi, I was given 2 gift cards from XXXX Visa for a total of {$750.00} Ok & as soon as I tried to use it the money was gone. Whats most concerning is the amount of exact same issues are HUGE!! Claims of fraud all over the internet. I called them several times and they just said I had to dispute it with the companies where the fraudulent activity occurred. That is ridiculous because the company is not going to just give me money because I say I was robbed.

I contacted them I contacted Visa and I contacted the issuing bank and nobody could help me.

This is crazy that somebody can take my money and nobody will help me. Whats even crazier is how many people they have done this too. Somebody is making a lot of money. I am concerned that this is happening from the company and they are making a ton of money of stealing from people. Please help me or please tell me who can help me. I hope that somebody can help me but most of all I hope somebody investigate this company.
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 for XXXX XXXX Account name : XXXX XXXX for XXXX XXXX XXXX has violated my rights. Sharing my old phone numbers and addresses 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 reporting or other personal consumer reports

18 USC 1028A Whoever, during and in relation to any felony violation enumerated in subsection ( c ), knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 2 years. Hard Inquiries : XXXX XXXX XXXXXXXX XXXXXX/XX/year> TransUnion XXXX XXXX XXXX XXXXXXXX XXXX XXXX  TransUnion XXXX XXXXXXXX XXXX XXXX XX/XX/year> TransUnion XXXXXXXX XXXX XXXX XXXX XXXX  TransUnion XXXXXXXX XXXX XXXX XXXXXXXX XXXX XX/XX/year> TransUnion
Product: Payday loan, title loan, or personal loan

I would like you to stop banks which are supported and subsidized by the government from discriminating against certain companies and citizens safely and legally producing, selling, and using legal products. 

Recently both XXXX XXXX  and Bank of America have announced that they will no longer loan to manufacturers or dealers of certain types of firearms. They are taking the position that banks can decide what the people of the US can purchase and use ( since if no one manufactures or sells these items, no one can purchase or use them ). These banks should have no right to discriminate against lawful activities carried on by millions of Americans. That is especially true since the banks are chartered, regulated, supported, and subsidized by the American government and the American people. Without this support, banks would be much smaller, make much less money, and not have the power they have. These bank actions are in fact little different than if the banks discriminated in mortgage practices, car loans, etc. 

Federally supported banks should not be able to discriminate against lawful practices by American citizens. 

I have discussed this issue with representatives of both XXXX and Bank of America and they were not interested in my concerns.
Product: Credit card or prepaid card

We never received our XXXX credit card statement from Capitol One due to the dismantling of the US Postal Service initiated by the Trump Administration. Capitol One is a major contributor to the XXXX XXXX in general and the Trump administration in particular, so they share in the responsibility for what is happening at the USPS. When we were able to view the statement a {$25.00} late fee had been charged as well as a {$13.00} interest fee. We contacted Capitol One and made immediate arrangements to pay after having the fees were waived by a bank associate. 

Today I checked my Capitol One statement online because once again the statement has not arrived. Once again the bank has assessed a {$4.00} interest fee which they said is due to last months late payment. I called Capitol One and this time they have refused to waive the fee. They also refused to provide contact information for higher level management to appeal to. I have no recourse but to file a complaint with the CFPB. 

I have an excellent credit rating and I refuse to submit to extortion. I am appealing for your help with this because not receiving my statement was totally out of my control.
Product: Credit card

I currently have a store credit card with Military Star AAFES with a limit of {$2500.00}. My last balance of XXXX was paid in full by my bank with my authorization on XX/XX/2023 this was after paying XXXX on XX/XX/2023. On XX/XX/2023, I noticed that I over paid XXXX and I immediately contacted customer service. They informed me that a check for XXXX would be mailed to me on XX/XX/2023 and I would receive it no later than XXXX week from that date. XXXX  is the XXXX and I have yet to receive this check for XXXX. I again called customer service on the XXXX to try to get the matter resolved and they are now telling me to email military star to ask when my check will be sent out. Customer service should have handled this problem and I am now getting the runaround.
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS IS NOT A REPORT OF IDENTITY THEFT This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. DEROGATORY ACCUSATIONS INCLUDING ALLEGED INQUIRIES MUST BE METRO 2 COMPLIANT TO RETAIN OR REPORT SO DELETE ANY NOT PHYSICALLY WITH PROOF OF PERMISSIBLE PURPOSE FROM THE EXACTLY AND LEGALLY IDENTIFIED ME.I DO NOT AUTHORIZE YOU TO REPORT NOT PROVEN COMPLIANT INFORMATION AND YOU MUST COMPLY. 


I respectfully request your prompt attention on the following inaccurate information on my credit report. For your convenience, the disputed items are listed below. The following item is inaccurate and negatively affecting my credit. Please reinvestigate this matter and delete and/or correct the disputed item. I respectfully request that you provide me with proof of the disputed item, specifically any contract, note, court documents or any instrument bearing my signature. Failing that, this item must be deleted. In addition, there are a number of credit accounts that have been inactive for more than seven years. As you know, the FCRA states that all credit older than seven years should be removed from my report. Therefore, the following accounts should be removed : XXXX XXXX Balance {$3200.00} Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance {$530.00} Original Creditor : XXXX XXXX XXXX XXXX Balance {$100.00} Original Creditor : XXXX XXXX XXXX XXXX Balance {$130.00} Original Creditor : XXXX XXXX XXXX XXXX Balance {$210.00} Original Creditor : XXXX XXXX XXXX Receivables Balance {$280.00} Original Creditor : XXXX XXXX XXXX Receivables Balance {$220.00} Original Creditor : XXXX XXXX XXXX Receivables Balance {$1300.00} Original Creditor : XXXX XXXX XXXX Act. #  XXXX Balance {$200.00} This is a formal notice that your claim is disputed. I am requesting validation, made pursuant to the HIPAA, Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay this creditor.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 2 credit cards that are inaccurately not reporting positive history on my credit report. This is negatively impacting my score as I currently do not have positive payment history and new accounts to create a credit score. I am requesting the following accounts to be updated and reflected on to my credit report : 1. XXXX XXXX XXXX card opened XX/XX/22 for {$200.00} with Exceptional payment history that is not reporting. 
2.XXXX XXXX XXXX  card opened XX/XX/22 for {$200.00} with exceptional payment history that is not reporting.