23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I attached a list of transactions for review. I paid off my XXXX XXXX credit card balance in XXXX of XXXX. Two days after I paid it off I was charged a late fee. I spent weeks making calls trying to get this resolved because everyone was furloughed. As you can see the late fee was refunded on XX/XX/XXXX. You can also see that another late fee was charged on XX/XX/XXXX. Again weeks of phone calls, during the time another late fee was charged on XX/XX/XXXX I finally got a young man on the phone who told me he did not have the authority to remove late charges since one had been removed but he could refund a finance charge of XXXX to help offset the 2 late fees. You can clearly see the {$41.00} refunded on the XXXX statement. I then paid the remaining balance, which was money that I did not owe just to make the situation end. Moving on to XXXX when XXXX reported a 30 day late to the credit bureaus for XXXX. I did not even have a payment due in XXXX. Again another week and weeks worth phone calls & written letters met with zero results through the months of XXXX XXXX. I have already disputed with the credit bureaus and XXXX has verified the info as correct. Finally around XXXX I just gave up as I operate a multi unit restaurant group and just got too busy to keep turning in circles. Last week I presented this information to a XXXX XXXX manager and was referred to someone else who has apparently reached out to someone else but told me it was unlikely XXXX will remove the late ding on my credit. I also attached what XXXX has reported to XXXX  as my payments and it also makes no sense with the statements I have provided. There is an obvious cycle of credits in XXXX & XXXX, then a payoff so how could I have been 30 days late in XXXX? It makes no sense. 

I have been building a house since XXXX and am slated to close on XX/XX/XXXX. This mistake on my credit report has cost me XXXX points and is now preventing me from having my mortgage approved, worst case scenario, best case is it will cost me thousands in interest and PMI fees. My Mortgage broker has requested a letter on letterhead stating that XXXX acknowledges the mistake and will report it to the three credit bureaus. 

I have worked very hard to build my dream home and do not feel that it is just that a clerical error that could be easily fixed, if someone would just help me, should stand in the way of this. I am hoping we can get this resolved, I am on a very tight time crunch at this point and have exhausted all avenues.
Product: Credit reporting or other personal consumer reports

I always pay on time. I know this for sure. I don't understand why this company says I'm late some months. According to XXXX XXXX, billing errors must be fixed and shown as paid on time.
Product: Bank account or service

It 's been more than 90 days since I have completed the requirement for the {$300.00} checking account sign up bonus yet it has not posted yet. The original offer was Open a qualifying KeyBank checking account with the promotional code XXXX and receive a direct deposit of at least {$500.00} or more within 60 days of account opening and receive a sign up bonus of {$300.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

CFPB COMPLAINT Recently I was checking my credit and I found these accounts that don't belong to me. My personal information was a part of the XXXX XXXX XXXXXXXX in XXXX and I assume that is when my identity was stolen. These accounts are the result of identity theft. None of these fraudulent accounts are related to any of my legit transactions. I don't know who the perpetrator is and I need these fraud accounts removed as soon as possible. 

These are the fraudulent accounts : XXXX  that opened last XX/XX/XXXX, XXXX XXXX that opened last XX/XX/XXXX, XXXX XXXX opened last XX/XX/XXXX, XXXX XXXX XXXX opened last XX/XX/XXXX, XXXX XXXX XXXX opened last XX/XX/XXXX, XXXX XXXX XXXX opened last XX/XX/XXXX, XXXX XXXX XXXX OF XXXX opened last XX/XX/XXXX, XXXX XXXX XXXX  opened last XX/XX/XXXX, XXXX XXXX XXXX opened last XX/XX/XXXX, XXXX XXXX XXXX  opened last XX/XX/XXXX, XXXX XXXX XXXX opened last XX/XX/XXXX, DXXXX XXXX XXXX  opened last XX/XX/XXXX, XXXX XXXX XXXX opened last XX/XX/XXXX, and XXXX XXXX XXXX opened last XX/XX/XXXX.
Product: Debt collection

I signed up for an XXXX XXXX card  for the Company, The XXXX XXXX, XXXX and was told at that time that I would not be personally responsible for this account and that it was a company account. The card was used only for company expenses and purchases. I was personally sued for the amount of {$19000.00}. While dealing with XXXX and covid I was not able to get anything done about this. I was made an offer but could not afford to handle this at that time. XXXX got a judgement for the amount stated. 
I was never contacted again. On XXXX XXXX a garnishment was placed on my Husband and my bank account for {$39000.00}. I understand that I am probably responsible for the {$19000.00}, but to take and extra {$20000.00} from my account is a strain on me and my family and should be returned. This is way out of line for Attorney fees for a unsecured credit card case. These funds were put here for medical services and payments. At this point we have no where to turn. We have had no correspondence with this company and have tried to reach them for the past week. Calling and being on hold for hours at a time. I have tried to call them every day this week to no avail. We have not received any notices or any correspondence from them, and have left numerous messages on the voice mail. The law firm that we called gave me another number to call and told me that the firm has merged with them and to call them, again no one will answer and I could only leave a message in which I have left quite a few. 
This is really causing me a hardship.
Product: Money transfer, virtual currency, or money service

On XXXX XXXX, XXXX, the seller stopped a transaction because PayPal withheld 24 % from the seller ( I was the buyer ). PayPal 's XXXX  decided that I made a questionable transaction. So, to cancel my account or use my account, they want me to send them my picture and my bank statement- which is not going to happen. As a result, my account numbers are permanently in PayPal that I can not change or close. This is totally ridiculous.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX   XXXX    XXXX  , My mortgage company I am working with, sent over a rescore of my credit after paying off all my credit cards.      XXXX   XXXX ,   XXXX  , my report came back that my current, credit cards were updated with a  XXXX  balance but at this point whe n Capital One upda ted my account to a  XXXX  balance ( I was not behind before this ) they put on my credit report that I was 60 day delinquent. Which stopped my mortgage process and I lost my chances at the house I was about to put a contract  XXXX .     I contacted back my mortgage company and she stated that I had to contact the CC company directly to ask them to up date the process. I went through an emergency   XXXX   XXXX   so I was n't able to call right away.      XXXX   XXXX  contact ed Capital One to o pen an investigation for incorrectly posting to my credit report that I was 60 days behind. The cust service woman who spoke with me told me that it would tak e 10  business days for the investigation to be completed.      XXXX   XXXX  I ca lled Capital one back as I had not received a let ter or call back. The woman who answered the phone stated it would tak e 60+ da ys for the investigation and that I would just need to wait. I was transferred to a Sup,  XXXX , and he stated that he would check on my dispute. However, nothing has been done with the dispute. He stated that he would be escalated it higher. However this will still not be completed in time as he stated it would still b e 60-90  days before my credit report.     In the mean time my application for my first home will have been declined  due to Capital Ones  negligence. I am a single mother and need a safe clean place to live. I need this resolved immediately.
Product: Credit reporting or other personal consumer reports

I have always paid my XXXXXXXX XXXX XXXX  account ( Account No. XXXX ) on time and take my financial responsibilities seriously. Despite this, an inaccurate late payment has been reported on my credit file. I have also noticed inconsistencies in how the credit bureaus are reporting my payment status. For example, XXXX and XXXX show Paid or Paying as Agreed, while Experian reports Current, was past due 30 days. This inconsistency violates the requirement for maximum possible accuracy under 15 USC 1681e ( b ). It also breaches 15 USC 1666b ( a ), which states that payments received on time can not be treated as late. If this issue is not corrected, it constitutes willful noncompliance under 15 USC 1681n, making the responsible parties liable for damages of {$1000.00} per violation.

These errors are unfairly damaging my credit score and causing me unnecessary stress. I request that this inaccuracy be corrected immediately so all credit bureaus accurately reflect my payment status as Paid or Paying as Agreed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a complaint my with Equifax and they closed it without addressing the issue- that they were reporting without written authorization. Im refilling this complaint XXXX and enclosing screenshots of the original complaint and answer given that doesnt address the core concern. 


Please remove these accounts at one complaint These accounts are reporting and have reported without my authorization. 1 ) XXXX XXXX XXXX 2 ) XXXX XXXX XXXX 3 ) XXXX XXXX XXXX XXXX In accordance with the Fair Credit Reporting act XXXX  Accounts above with 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. Please remove these items from my report
Product: Credit card

XXXX XXXX XXXX XXXX Charges a $ 95 yearly fee in exchange for XXXX free checked bag on XXXX XXXX when a reservation is made using the card. 

I made XXXX XXXX airline reservations online and discovered the card had expired. I had not been sent a new one. I had to use a different credit card so I will have to pay the XXXX baggage fees. I called the company and was told it was up to me to keep up with when the card expired.
Product: Credit reporting or other personal consumer reports

RE Account Numbers XXXX Affirm, This letter is a formal complaint that you are reporting my nonpublic and personal information without my written consent. Please show me the proof you sent me giving me options on how I could opt out of sharing my nonpublic information and proof showing you gave me the option to not disclose my transaction history each month with a third party. 
The law states a consumer must give written consent to opt out of sharing their nonpublic information to the financial institution. I did this and you stated I did not have that right to opt out. It is a violation to report my transactions or experiences between you and I with a third party or consumer reporting agency without my written consent. It is the policy stated by Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers to insure the security and confidentiality of their customer records and information. This includes protecting against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer. 

I the consumer should have been given the opportunity, before such information was to be reported which gives me the option to direct you that such information should not be reported. I also should have been explained how I could exercise that nondisclosure option, which I was never advised. I have written multiple times, and you have continued to ignore my written request. 

Your failure to comply with the law and my written request has hurt my ability to obtain credit. Again, I am requesting to opt out of sharing my nonpublic information and for you to remove all my transaction history from all nonaffiliated third parties such as XXXX, XXXX, and XXXX XXXX immediately. Otherwise, I will pursue legal actions for every month my nonpublic information has been reported which could be a fine of {$1000.00} per violation. 

Thank you for your immediate attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a a XXXX XXXX XXXX XXXX  showing on my credit and the account is 100 % fraudulent. The address listed under the account is fraudulent. I contact XXXX XXXX  and they have no knowledge of the account. The account keeps getting verified when it isnt under any debt collectors. This account was due to Equifax data breach. I have file the police report, FTC report and XXXX  complaint. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

Ally Bank Auto loan- during Covid- they offered a deferment. I did a 3 month deferment. During that time, Ally stated that finance charges *may accrue. 

Now at the end of my loan ( 3 months of payments after the original expiration due to the deferred payments ), multiple things have happened. 

First, in XXXX, my account showed 2 payments left, even though there was more than a XXXX balance. I called to find out why- the associate told me there was a balloon payment FROM THE DEALER for {$4600.00} due in XXXX. 

I paid my XXXX payment, and my account showed that balance due. As I was trying to figure out how to pay it, I found my contract and there was no balloon payment in the contract. 

I called back and spoke with a manager- the manager stated that for a period of 5 months after the 3 month deferment, there was no payments made to principal, just 'back interest ' and there was a balloon payment due of {$4600.00} in XXXX. 

Then during this time frame- an additional regular payment was added to my account with the balloon payment now due in XXXX. 

Called back and talked to a manager who could not explain why my account in XXXX showed the balloon payment due in XXXX, but now another month payment was added. 

She also stated that the balloon payment was due to no principal paid for that additional 5 month time frame. When I stated that was illegal -- that you can not defer my payments, have me pay those payments, then add capital as well to the end of the loan, she stated that a different department would have to look into it. I stated that per Ally 's own statements that they could have finance charges due, but those would only be a few XXXX dollars, not nearly XXXX. 

She stated the case would be done in 24-48 hours. There was no call back for 3 days. Upon calling back again, now they tell me that it's 7-10 business days, which brings me to when my next payment is due. 

The managers I have spoken to have told me different things about everything from what the balance is, to when it's due, to how long a case is. Nothing is getting done. 

I am ok paying any accrued finance charges from the deferment from the end of the loan, but it is not {$4600.00}, and no one can tell me how that number came to be -- other than " you owe unpaid principal '' due to the deferment -- which I paid the 3 months after the loan was originally due to expire- so I paid that capital. 

I need help ASAP- Thanks.
Product: Credit reporting or other personal consumer reports

I recently reviewed my report and I noticed inaccurate information still reporting inaccurately on my reports. I have sent multiple letters of communication to XXXX, Experian, XXXX and XXXX XXXX with no response to my requests. On my credit report it shows XXXX XXXX XXXX XXXX XXXX is a charge off but has a reporting balance of $ XXXX noticed that several deviations from mandatory standards were present which will most likely affect the validity and accuracy of data in this document. These claims that the information in my report is negative, untrue or incorrect are unsubstantiated. To date I have not received any physical proof to back up these statements and eagerly await a reply from you.Document that you have complied with the reporting requirements, and report without any deviations. Please note that if you have not complied with the requirements, I will need to remove them from my report.Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates Also per 12 CFR Part 1022 ( Regulation V ) requires furnishers to : A - Furnish information about accounts or other relationships with a consumer that has integrity. B - Furnish information about accounts or other relationships with a consumer that is accurate. C - Conduct reasonable investigations of consumer disputes. I have demanded proof of debt showing my signed signature, proof of purchase, It has been over 90 days since the first initial dispute which violates FCRA section 623 ( a ) ( 3 ), which violates the law.
Product: Debt collection

Good afternoon, The representative I spoke with stated that after payment was made to rectify the account, the account would be removed from the 3 credit bureaus that it is being reported to. Now I've started the mortgage process to secure a home for my family and this negative account is still showing on my credit reports. My process is now at a standstill until I can get this matter rectified. Please honor our original agreement and send a request to the credit bureaus to delete this account from my credit reports, thank you!
Product: Checking or savings account

Upon reviewing my consumer disclosure report, I have identified several negative accounts being reported without my knowledge or consent. I am requesting that you promptly furnish copies of any ( signed agreements ) or ( contracts ) between me and the banks associated with these accounts to verify their legitimacy.

If you can not provide the requested documentation, I demand that these accounts be removed from my record immediately, as they were reported without proper authorization. and a clear violation of the FCRA
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello. I had to contact the FTC and police because of fraud. I ran my annual credit report today and discovered items on my credit that are completely foreign to me. I am planning on buying a home soon. I have absolutely no idea what these items are and would like them removed as quickly as possible. Two items don't even have names attach to them only account numbers. 
Item # 1 Unknown ( account # XXXX ) item # 2 Unknown ( account # XXXX ), XXXX XXXX, XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of accounts : XXXX XXXX Balance : XXXX XXXX XXXXXXXX Balance : XXXX XXXX XXXXXXXX XXXX Balance : XXXX XXXX XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : XXXX XXXX XXXX XXXXXXXX Balance : XXXX, XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I just received my reinvestigation back from Experian. They said everything is 100 % complete and accurate. I would like to receive the description according to 15 USC 1681i ( 7 ).

Because the account below are not accurate. The open date, date last active, and date of last payment is NOT 100 % accurate.

Account name XXXX XXXX XXXX XXXX They did not modify or delete the inaccurate information on my consumer report according to 15 USC 1681i ( 5 ) ( A ) ( I ).

I attached a consumer report as evidence.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXXS-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX  XXXX XXXXDate of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXXXXXX  XXXXXXXX XXXX-Date of inquiry XX/XX/XXXX XXXXDate of inquiry XX/XX/XXXX XXXXXXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXXXXXX-Date of inquiry XX/XX/XXXX XXXXDate of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXXXXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXXDate of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXXDate of inquiry XX/XX/XXXX
Product: Credit card or prepaid card

I am requesting a written letter indicated the amount of my security deposit for a secured credit card from Capitol One. This information is not available in my customer profile on the website. 

XX/XX/2018 I called customer service on XX/XX/2018 around XXXX and spoke with XXXX ( XXXX ). She indicated that there is nothing available to allow her to send me a letter indicating the balance. She also indicated that there was no one further that I could speak. 

XX/XX/2018 I sent a letter to Mr. XXXX XXXX President of Retail & Direct Banking Capital One Financial Corporation XXXX Capital One XXXX, XXXX, Virginia XXXX requesting a written verification of my deposit. 

XX/XX/2018 - I got a call from XXXX. from the executive offices who said he would investigate XX/XX/2018 XXXX confirmed that I would receive a verification letter in the next 7 to 10 days. 

XX/XX/2018 - I talked with XXXX who said the letter would be emailed. But I got disconnected while on hold. I called back and got another rep who transferred me to XXXX. XXXX said that I would receive the verification letter in 7 to 10 business days. 

As of XX/XX/2018 I have not received the verification of the amount of my security deposit.