23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

A bank representative opened multiple accounts for me when I started a small business. She opened a business checking, another checking account she stated was to be a " tax '' account and a business credit card. I informed the representative that I would not be making much money the first year so I was n't sure if I needed the " tax '' account but she opened it up for me anyway taking her advise and trusting her. I had under {$300.00} in that " tax '' account as well as the main checking account. Before I knew it, I was being charged {$40.00} " processing fees '' in the accounts. I would speak to the representative that opened the accounts for me about these fees. She would reverse the charges, and said that she would stop these fees. In the end, XXXX about a year later XXXX She was transferred to another bank, the fees continued, she never answered calls from me or other tellers at the bank that were calling for me. Ive closed all my accounts and now my credit card is charging nearly {$200.00} in interest fees every month. I feel as though US Bank must have given incentives to employees for opening accounts and all the fees are making thousands of dollars from their customers. i primarily bank with XXXX XXXX XXXX and I never have these types of issues. They are taking my money and Im in a trap. I will have to borrow money to pay off the account completely before I end up owing thousands more.
Product: Debt collection

I check my consumer report & seen that FOX COLLECTION CENTER was reporting a ALLEGED DEBT on my report! 
FOX COLLECTION CENTER never sent me any letters about this ALLEGED DEBT. 
I am disputing and requesting validation according to Title 15 U.S. Code 1692g FOX COLLECTION CENTER HAS TO REMOVED ALLEGED ACCOUNT FROM MY CONSUMER REPORTS
Product: Student loan

They want me to make payments when I have did public service for 10 years and submitted the documentation
Product: Credit reporting, credit repair services, or other personal consumer reports

i had a XXXX XXXX card which had some late payments.i paid the card in full and I do not have the card anymore .the company told me it was closed, ,however after more than five years, ,they refuse to remove it from my XXXX report, i have disputed it nothing.i have called the company .nothing it is still on my report with a negative view..please help me .I don't have a balance I paid the entire amount, XXXX I called, XXXX I called, ,i disputed it in XXXX of last year and also this year, ,nothing
Product: Credit reporting or other personal consumer reports

I am writing to dispute inaccurate information that is currently listed on my credit report. As per the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681e ( b ) and 15 USC 1681i ( 5 ), it is mandated that all information on my credit report must be 100 % accurate across all three credit reporting agencies. The information in question is related to the following account. 

XXXX XXXX XXXX XXXX # XXXX This account has repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. Your neglect has violated my rights. I am demanding a deletion. 

Failure to address and correct these inaccuracies will leave me no choice but to pursue legal action. Under the FCRA, I am entitled to collect {$1000.00} in damages for each inaccuracy present on my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

The Fair Credit Reporting act 15 USC 1681 law, mandates that rights of a consumer be respected. The accounts listed below has violated my federally protected consumer rights to privacy and confidentiality in relation to the LAW. 

1. Date of Closure : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX 2. Date of Closure : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX 3. Reported XX/XX/XXXX ACCT # : XXXX 4. Reported XX/XX/XXXXXXXX XXXX XXXX 3 LATE PAYMENTS 5. Reported XXXX XXXX XXXX XXXX XXXX XXXX 6 LATE PAYMENTS 6. XXXX XXXXXXXX 1 LATE PAYMENT 7. Reported XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$720.00} Hard Inquiries XXXX XXXXXXXX XXXX XXXX Inquire date XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX Inquired on XX/XX/XXXX XXXX. XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX All soft inquiries All home addresses Wrong Names These accounts, home addresses, hard inquiries, and wrong names have violated my privacy rights. 

15 U.S.C 1681 section 602 A. States that I have the rights to my privacy.

15 U.S.C 1681 Section 604 A Section 2 : States that a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : That No consumer reporting agency may make any consumer report containing any of the following items of information, a ) any other adverse item of information b ) 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: Debt collection

I check my credit report and I see a account is not mine I never lived on Ny and I never take any loan or debt on that country
Product: Debt collection

XXXX XXXX, XXXX # XXXX XXXX , XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX I received a warrant in debt to appear in court XX/XX/2018 for XX/XX/2018. I never received any notifications of this action being taken against me nor have I received any communication from the bank to claim the debt or allow me to request validation, dispute, or come to an agreement. I never received anything from their attorney ( listed above ) as well prior to the warrant in debt notifying me that this action was going to be taken. I was working out of state as I do XXXX XXXX using my parents address as my tax home. I have had inadequate time to contact an attorney or prepare for a trial myself. It has cost me in travel time, financially, and personally in having to manage everything in such short notice coming from CA to VA to appear.
Product: Credit reporting or other personal consumer reports

I had a loan with American Credit Acceptance and my car was total out by insurance company at a no fault of my own this happen before my car payment was due this car was paid off fully by the person who hit me at their fault insurance companythis car was my lifeline and I had full coverage insurance and I also had gap insurance this credit company has ruined and still ruining my life and im under major distressed and have became nearly homeless lost my credit and my job due to a car wreck I was not at fault for I have sent them the police report multiple times they have continue to hit my credit and run me into major financial problems as well as the fact that I'm under major duress I have told my XX/XX/XXXX what has triggered my XXXX and mind you once again it was covered please excuse my distressed regarding this matter it is by no means to you all sincerely please help. Me in this very serious matter I need my credit back so I can move forward and build a even better credit score my dream..thanks!!!
Product: Debt collection

Sent letters to validate if not then remove the debt off my credit report. Send 2 letters. No reply even when I called numerous times, Stating no record was found.
Product: Debt collection

on XXXX/XXXX/2016 I pulled up mu XXXX Credit report and found a collection debt under XXXX ; Original Creditor ; XXXX XXXX XXXX {$520.00} ; I ask them to verify the debt and they just deleted from the Credit without notify me. Them in XX/XX/2016 I found that the same debt is now been placed on my XXXX Credit Report under a diferrent Colection agency, Credence ; I also asked to verify the debt and the just mail to me settlement offer letter. I 'm attaching all the documentation to proof my request.
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. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Experian, XXXX and XXXX Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please update the account completely from my Credit Reports : XXXX  XXXX XXXX Balance : {$4800.00}
Product: Debt collection

A woman named XXXX from Performant Recovery ( XXXX XXXX XXXX XXXX, OR XXXX ) is calling my XXXX mom to get information on me. I have already informed them that I will take care of the debt once I can. They told her that I gave them permission to call her. I have never put my mom 's contact info on any of my doctor 's forms or student loans. They keep calling her repeatedly.
Product: Credit card

Used chase ultimate rewards points to purchase a {$100.00} restaurant e-gift card. The points were deducted but the email gift card never reached me. 

The order was placed on XX/XX/2024 and today is XX/XX/2024. 

I've contacted chase at least 5 times and raised an escalation request at least twice.The latest request number is XXXX. 

The refuse to do take action or help me. I even changed my email address in their system to a new gmail address and asked them to resend the e-gift card to the new email address. They haven't even done that yet. 

I'm reaching out to CFPB for help.
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 U.S.C 1681. ACCT Name : XXXX XXXX, XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX  XXXXXXXX 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: Mortgage

I bought a condo in XXXX  through a mortgage company called XXXX XXXX. At the time I was told I need insurance on the building which is provided by my HOA. My loan was sold to LoanCare and they are trying to charge me {$25.00} fee for a 2 week lapse in insurance that covers my belongings inside the condo. LoanCare said they have insurance proof for the building which I said is all they need and all I am required to carry per my mortgage. LoanCare stated I need coverage on the inside of the unit. I asked for proof that this was in my original mortgage since It is not in my copy. They refuse to provide proof and say it is their policy. I told LoanCare I did not need that insurance to cover my personal belongings as they have no lien on it through the mortgage and they have proof of insurance on the building. They refuse to provide me documentation for my needing this special coverage and still say they're going to charge me. This is predatory and against my mortgage. I never asked for my mortgage to be sold to this company nor did I agree to any changes in my original mortgage when LoanCare bought it.
Product: Debt collection

on XX/XX/2019 i received a letter from collections RDAC on claims owed to XXXX XXXX in the amount {$3500.00}. There were false accusations made by the other individual on the lease and with 2 months left on the lease they changed the locks without my consent and would not respond to me at all. The other individual then moved out and they send me the billing for the final month, damages and costs that were incurred. There was clearly 2 of us on the lease and after they clearly violated my rights and illegally put the charges just to me and not split my lawyer reached out for correspondence showing that the other individual was legally removed from the lease which they did not, will not and refused to provide to me, my lawyer or credit agencies. I at most should only be responsible for half but after kicking me out without notice, changing locks without consent and leaving me homeless i should owe them XXXX especially after the other person on the lease was leaving there alone.
Product: Credit reporting or other personal consumer reports

I request a full investigation into the charge off account and evidence of its ownership. On XX/XX/XXXX, XXXX XXXX XXXX XXXX credit card accounts were opened, but I only authorized one. I had no knowledge of the second account. Despite this, I am receiving letters claiming the account was verified and requesting payment, yet no evidence has been provided to prove the account was mine
Product: Credit reporting or other personal consumer reports

TransUnion is reporting in incorrect credit card and loan balance information and used the inaccurate information to lower my credit score. The total amount of my credit card account balances is {$22000.00} and TransUnion is reporting {$1000.00} more at {$23000.00}. They also lowered my credit score by 5 points because I have new account which was opened 7 months ago. They are reporting a balance of {$240.00}, the balance is {$170.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Last year after the whole Equifax data breach I decided to check to see if I was affected and to my surprise, I was. So then I pulled my credit report so that I can see if any fraudulent charges were on my account and there were 2 accounts that I did not know of and a lot of inquires that I NEVER authorized. I later that day went to the police station to make a report of all of the inquires and sent in disputes XX/XX/2017 by mail and called to all the credit companies along with the places that pulled my credit as per the police officers request. So far only 2 companies have deleted the unauthorized inquires. I am requesting that you please remove ALL of the fraudulent unauthorized inquires.
Product: Credit card

I have a Citi Dividend credit card ( ending XXXX ) for 40 years and never had any balance payment problem until this payment on XX/XX/XXXX. I paid the balance online every month, but somehow, only the XX/XX/XXXX payment was returned due to non-payment from my closed bank checking account. Last year, I closed my checking account and reopened a new one. I have paid all the bills from my new checking account since. There were no problems with the payments every month until this payment in XXXX. I notified Citi about the problem : Its customer service from XXXX did not answer my question and hanged up the phone unexpectedly. Citi Bank Customer Service has been no help to any of my service requests. The Citi " External Bank Account with Citi '' has a serious flaw. In XXXX, it suddenly connected to my previous closed checking account and charged me the returned check payment fee. This pattern happened to my wife 's credit card ( XXXX card by Citi Bank ) payment also.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I filed a dispute with XXXX, they sent me a letter back on XX/XX/2021 stating that they needed additional information from me to verify my loan with them. The loans are closed and should not be on my credit report at all. I included the amounts in the dispute letter to them and my information and it is still on my credit report. They stated that my letter was considered frivolous and irrelevant under the Fair Credit Reporting Act.
Product: Debt collection

We were living in the XXXX XXXX XXXX of XXXX prior to the pandemic. When the seriousness of the pandemic was realized, my partner and I left because she is a XXXX XXXX. We notified our landlord of our intention to terminate our lease due to the gravity of the situation. Since then, they have forwarded our information and the debt for the remainder of the lease to PDM Debt Mediation. This debt collector is located out of XXXX, Florida. 

My partner and I need to bring to the attention of the Consumer Financial Protection Bureau ( CFPB ) the fact that this company has sent us several correspondences, none of which indicate we may dispute this debt. PDM misrepresented the fact that they would not submit a negative credit report to a credit reporting agency about this credit obligation until the expiration of the time period described in the notice on the front of this letter. However, the letter contained no notice of time period in which we should contact them ( see attachment ). 

PDM used abusive, deceptive, and unfair debt collection practices because less than 30 days after receiving the first letter, I received a negative activity report on my credit. This resulted in a 50 points decrease in my credit score ( see attachment ). Under the Fair Debt Collection Practices Act ( FDCPA ), a consumer written notice must contain a statement that unless the consumer, within thirty days receipt of the notice, disputes the validity of the debt will be assumed to be valid by the debt collector. 

Furthermore, they contacted my brother, without my express permission, at XXXX XXXX XXXX Under the FDCPA, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer. 

If someone from your office could contact us, that would be much appreciated. Thank you and stay safe. 

Best,
Product: Credit card

I had been paying on a deferred-interest balance at 0 % interest that was set to expire on XX/XX/2024. As of my XX/XX/XXXX statement, I had a balance of {$970.00} due by XX/XX/XXXX in order to avoid interest of 19.99 %. 
On XX/XX/XXXX, I initiated a deferred-interest offer for 0.99 % interest. 
On XX/XX/XXXX, I made a payment of {$500.00}. The minimum payment due was {$20.00}. 
On XX/XX/XXXX, I made a payment of {$520.00}. The minimum payment due was {$27.00}. 
The credit card company applied most of these payments to the new deferred-interest offer. I meant to pay off the XXXX expiration offer and put a {$45.00} payment toward the new offer. 
It is hard for me to track all this using just their statements, because they make absolutely no sense to me, so I have my own records to track these expenses. 
On XX/XX/2024, I looked at my XX/XX/XXXX credit card statement to verify that the XXXX expiration offer was paid in full and much to my surprise, it wasn't. I looked on their website for information and found information regarding reallocation of payments. It said to chat with their XXXX XXXX so I interacted with their XXXX XXXX and got nowhere. I tried again the next day and managed to chat with a person. She tried so hard to help me but the system did not allow her to reallocate the payments nor remove the interest. She gave me the customer service phone number because she couldn't help and explained that they would be able to help me. 
I immediately called and spoke with a customer service representative and she couldn't do anything for me either. She explained that the system is programmed for application of payments and that there is nothing to be done. She also told me that I needed to make a payment of {$450.00} in order to pay the 0 % offer in full because now it is 19.99 % and it is the offer with the higher interest and payments will be applied to it first. 
However, they are not in full compliance with the Credit Card Act. This rule stipulates, among other things, that in the two billing cycles before a deferred-interest offer expires, the issuer must apply any amount paid over the minimum payment to the deferred-interest balance first to pay it off so that interest is not charged. That didn't happen with this company. 
The credit card company is Citi XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a problem obtaining a Apple Card, Ive applied multiple times and dont understand why Im being denied.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts are not mine. Please check and investigate the origins of these accounts. I do not recognize them at all but I am tired of this situation. Why does it take so much time to do something towards my situation? Its not fair at all that I have fake accounts in my own profile.
Product: Credit reporting or other personal consumer reports

List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : Date of Birth Names : XXXX XXXX XXXX, Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Phone numbers : No Data Supplied Employment Information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I looked at my Experian credit report on XX/XX/year>, and noticed some things are incomplete and not accurate. According to the Fair Credit Reporting Act ( FCRA ), 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 ( 15 USC 1681 ( e ) ( b ) ). Further, under 15 USC 1681 ( 5 ), they are required to do the following : ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general : After any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, if an item of 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 file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) Promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Finally, under 15 USC 1681s-2, furnishers of information are prohibited from reporting any information to consumer reporting agencies if they know or have reasonable cause to believe the information is inaccurate.
Product: Debt collection

I paid my debt to  AFNI  in full but it still shows on my credit report that the status is " collection/charge off ''. It was not charged off as I paid in full and it has n't been in collection since  2013