23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

This CFPB compliant has been filed to request pursuant to FCRA 605B Under 15 USC 1681c-2c ( a ) the credit reporting agency must block and remove any alleged pieces of information the consumer considers identity theft within XXXX business days of receiving a complaint consisting of the information below XXXX XXXX XXXX {$480.00} XXXX XXXX XXXX {$330.00} XXXX XXXX XXXX XXXX XXXX {$9300.00} XXXX XXXX XXXX {$18000.00} XXXX XXXX XXXX XXXXXXXX {$310.00} These credit accounts and collections are the results of identity theft and fraud.
Product: Mortgage

I have a 30yr fixed rate mortgage with CHASE Loan # XXXX. 
Sometimes I make payments that are more than the monthly payment due, with the hope that the extra amount I pay, will be applied the principal, and as such, I can pay-off my mortgage quicker and reduce my interest expense. 

When reviewing my statement, I noticed that in some instances, CHASE applied my extra payments to the " future amounts due '' Essentially they apply the amount to the interest that has not yet accrued. 

In some instances the amount applied to the " future interest '' is a few hundred dollars. 
I called them several times ( case # XXXX ) telling them to restate my payments and apply any extra amount to the principal, instead of the " future payments due '' I have called them at least three times on this issue, but no help and no reasonable explanation. 

I also send them the following e-mail through the corporate web-site on XX/XX/XXXX On my XX/XX/XXXX Statement, my outstanding principal was XXXX, and the amount due was XXXX/ Of those only XXXX was interest. 
On XX/XX/XXXX I sent the payment of XXXX USD, if you deduct the interest due at that time of XXXX, the rest of the amount, XXXX should have reduced my principal payment, for the next month. However the principal for the next month was only reduced by XXXX. 
XXXX USD. was not applied to my principal amount. 
Please review my account and credit the remaining amount to my principal amount as of XX/XX/XXXX. 

But nothing happened since then.
Product: Credit card or prepaid card

-On   XXXX   XXXX  , 2017 I paid all of my accounts with USAA in full.
-On XX/XX/XXXX  I confirmed that all of my accounts were paid off in full and found I still owed  XXXX  on my account -On  XX/XX/XXXX  I sent in a payment of {$27.00} in order to pay off my Master Card account in full. I confirmed with USAA that the account was paid off in full.
-On  XX/XX/XXXX  USAA assigned a charge to a  XXXX  for   XXXX  . I called them and asked them to remove it as the card had been paid in full. Over the course of the next week I talked to multiple managers at USAA and they refused to remove it. I specifically requested they examine all my accounts with USAA to ensure I was paid in full. I told them I would write a complaint to the CFPB in regard to this.
-On  XX/XX/XXXX  USAA called to tell me they were going to waive the  XXXX . They had already done so as of   XXXX   XXXX  , 2017.
- On XX/XX/XXXX  USAA assigned a charge of {$1.00} to the Master Card I had paid off in full on XX/XX/XXXX .
This is clearly a retaliation for submitting a CFPB complaint and an attempt to get money from me for the {$8.00} they " waived '' from the other account. I have asked them to ensure all of my accounts are closed and completed prior to  XX/XX/XXXX , and they told me they were. I have paid them in full and they just keep assigning charges to me on an account that they can then assign a late fee to if it is not paid and use that account to destroy my credit rating. They have implied as much in conversations threatening to send these charges to collections.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed a wrong collection item on my Experian credit report. Experian wrongly placed that the collections item was discharged through bankruptcy, this item was post bankruptcy and I was not responsible for the collections item. I called to have it corrected, I spoke to several different people, they investigated and it came back with no changes on my credit report. It still says discharged through bankruptcy. My family is trying to refinance our home and this is the only credit bureau that is showing almost 100 points less then the others due to this mishap. Its very frustrating!
Product: Credit reporting or other personal consumer reports

XXXX XXXX  amount is XXXX XXXX and XXXX dollars and account is XXXX the other is XXXX  XXXX  XXXX for XXXX and this account been closed and charged off the date was XXXX XX/XX/year> the account number is XXXX the other account is XXXX  for XXXX the account vis closed and I have other stuff that not right I correct name spelling in correct address to
Product: Credit card

I have consistently made payments on time for this account and never allowed them to be late. I'm not sure why there are reports of late payments on my record. According to 15 USC 1666b, billing errors should be corrected.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXXXXXX Balance : {$920.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : $ XXXX XX/XX/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
Product: Mortgage

I have a home equity line of credit from  Bank of America. It was a ten year pla n and then you had to pay it off. When it matured in  XXXX  of   XXXX   I was in the process of getting a new line of credit and they charg ed me 5 percent l ate fee on the balloon balance. This charge was about {$7400.00}. I told them I was in the process of getting a new line and they said they would remove the fee when the account was paid in full. I said I needed to have it removed so I could determine the correct pay off amount. They would n't budge, I did n't trust the company to remove it at loan closing time. The contract says nothing about charging a late fee for the balloon balance. It says a late fee will be charged for any monthly payment received late, but nothing for the balloon balance. 27 months went by and I faithfully sent my payment of the interest charge and some of the principal. In 13 years I had never missed a payment or had a payment received  late. My credit score  was excellent. Even though I paid the interest each month from the monthly statements I received from BOA, they still reported my account as delinquent because the line of credit had matured. I had written several letters asking for the amounts to be removed and got no response. The first week in  XXXX  of this year a Foreclosure Notice was duct taped to my front door. I was shocked, disgusted, and embarrassed. I have always paid my bills or gone without and now my house was going to be sold at auction on  XXXX   XXXX . I now have a weakened credit record and I am trying to get a new line and I am still unable to get BOA to remove the charges.
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX, encountered several violations of the Fair Credit Reporting Act ( FCRA ) regarding the information reported on my credit report. These violations include a series of actions by credit reporting agencies and debt collectors that were both deceptive and unlawful.

First, under FCRA Section 616, these entities accepted and reported inaccurate credit information about me without verifying its accuracy. This is a clear case of willful noncompliance, which exposes them to civil liability of up to {$1000.00} per violation. Additionally, they failed to disclose my right to opt out of sharing my personal information, as required by FCRA Section 603 ( d ) ( 2 ) ( A ), which violates my consumer rights. 

Another violation occurred under F

CRA Section 623 ( a ) ( 3 ), where they furnished inaccurate credit inquiries and accounts without proper validation, potentially violating Generally Accepted Accounting Principles ( GAAP ). This led to the reporting of false and misleading information. Moreover, debt collectors haras
sed me by reporting debts I did not owe and contacted third-party agencies with this inaccurate information, violating regulations designed to protect my privacy and limit the disclosure of debt information. 

Further violations include the reporting of late payments without clear definitions, which is both deceptive and inaccurate under the Timely Payments Regulations. They also failed to accurately determine finance charges, and reported information about me without my written consent, which violates FCRA Section 604 on permissible purposes for credit reports. 

As a result, I have formally disputed these issues and requested that the following actions be taken : Removal of incorrect personal information associated with addresses that do not belong to me. 
Correction of inaccurate late payments by updating them to reflect that they were paid on time. 
Validation of debts reported by debt collectors. If they can not provide proper validation, the inaccurate accounts must be deleted. 
Removal of unauthorized and inaccurate accounts from my credit report. 
I expect these violations to be addressed promptly. If they are not, I will take legal action, as the FCRA provides remedies for consumers whose rights are violated in this manner.
Product: Checking or savings account

Citibank blocked my account with {$910.00} on XX/XX/2021 for no reason and when I called them they say they have to send a text message in order to verify my information but their system can't send it to my phone number, the same phone number I've been using since I opened my account with them and the same phone number they have on their system. After multiple calls with them for more than an hour their only response was " sorry we can't help you until we send that text '', now I have no money and no access to my funds because " the system can't send the text ''.
Product: Credit card

I trust this message finds you well. I am writing to bring to your attention a concerning incident related to an order I placed with your company. On [ date ], I ordered two identical items, both of which contained lithium batteries. Regrettably, upon delivery, one of the items displayed a significant puncture, likely incurred during the manufacturing process, as it was inadequately packaged without proper secondary protection. 

Given my professional involvement with lithium batteries and the associated risks, I made the decision to refuse the delivery promptly. This was an unprecedented situation for me, and I sought guidance from the delivery driver on the necessary procedures. According to the driver, obtaining documentation during the return process was not advisable. 

Approximately one week later, I reached out to your customer service department to inquire about the status of my return and refund. To my dismay, I was informed that, according to your records, the package had been delivered successfully. Despite providing photographic evidence of the damaged package and a detailed explanation of the circumstances, the response I received indicated a lack of acknowledgment and understanding of the issue. 

I am genuinely interested in resolving this matter amicably and am open to your suggestions on how we can proceed. However, it is disheartening that the responses thus far have not reflected a proactive approach to addressing the concerns of a valued customer. 

In an attempt to seek resolution, I pursued a charge-back with my bank, submitting evidence of the damaged package and a comprehensive explanation. Regrettably, my dispute was denied on two separate occasions, further complicating this matter. 

I implore you to reconsider your stance on this issue and take the necessary steps to investigate the mishandling of the delivery and subsequent lack of cooperation. As a consumer who values the integrity of the products and services received, I am puzzled by the apparent indifference to my situation and the challenges encountered during the resolution process.
Product: Credit card or prepaid card

Lost and stolen card used to make unauthorized transaction on my Capital One Credit Card Account : XXXX Amount : {$2200.00}
Product: Student loan

When working with a counselor at XXXX XXXX XXXX in 2003, they directed me to take out private loans as the best option. This was not the best option for many reasons, also my loans would have been forgiven through XXXX XXXX XXXX XXXX if they were federal because of the fraudulent activity found with XXXX XXXX practices. American Education Services does not acknowledge these fraudulent activities and unwilling to make any changes to my loan amount.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate t h e C o n s u m e r F i n a n c i a l P r o t e c t i o n A c t ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, a s they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax refuses to correct the information on my credit report that shows that a credit card debt is charged off when in reality this was paid in full. I have asked Equifax multiple times in 2017 to contact the creditor, XXXX XXXX XXXX in XXXX, Florida to confirm that the credit card was paid in full yet they refuse to do so.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

Account name : # XXXX, XXXX XXXX XXXX, Account name : # XXXX XXXX XXXX XXXX XXXX Account name : # XXXX, WebBank/Fingerhut, has violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer repo
rting 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: Payday loan, title loan, or personal loan

I called the company to have this account removed from my credit report. They said " I would have to close the account first then they will remove it. '' That was XX/XX/XXXX and it is still on my credit report
Product: Checking or savings account

I recently had {$600.00} in fees! From charges I did not authorize and I try and contact them and the wait time is usually 40 minutes or more on the phone. I have signed up for no overdraft fees. Yet they just hit me with {$600.00} in fees. They let several items hit 3-4 times a piece and at {$29.00} a shot!
Product: Credit reporting or other personal consumer reports

XXXX is reporting information without my consent also i have send police report on the account thats reporting without my consent i dont owe these companies XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX i upload a police report twice made a new as well with lard see attachments these company violated my right to privacy 15 U.S 1681i
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my Credit Report and found XXXX put a charge off on my credit report for the amount of {$1600.00}. On the date of XX/XX/XXXX I wrote XXXX a certified letter asking for validation that is competent evidence bearing my signature. 
XXXX received the certified letter on the date of XX/XX/XXXX. 
XXXX responded on the date of XX/XX/XXXX Stating they reviewed the account and verified that they have reported this account information as it appears in my file, to the credit reporting agencies, XXXX, XXXX, XXXX and TransUnion. And further state that they can not delete or modify the status as it reported. 
XXXX sent another letter in response to the first letter. XXXX also states that the account in question was sold to XXXX XXXX XXXX, XXXX on XX/XX/XXXX. 
XXXX never provided me with the validation I requested, and never acknowledge that the file in question was being formally disputed. 
On the date of XX/XX/XXXX I wrote another certified letter to XXXX stating that they did not validate the debt in question via bearing my signature. 
XXXX received the second certified letter on the date of XX/XX/XXXX I never received a response to the second certified letter. 
On XX/XX/XXXX I pulled my credit report to find out if XXXX had marked my credit report as disputed. And found that XXXX had not marked my file as disputed, and as to this day of XX/XX/XXXX my file is not labeled disputed. 
I sent a third certified letter to XXXX on that date of XX/XX/XXXX notifying XXXX they did not furnish the credit bureaus with the required disclosure, within the period required by law. They are required by Federal law to place a " notice of dispute '' on my account within 30 day of my dispute, in which they signed for on XX/XX/XXXX. I retained a copy of their signature and date of receipt, as well as a time stamped copy of my credit report, showing that XXXX has violated the Fair Credit Reporting Act, section 623 ( a ) ( 3 ) and / or the Fair Debt Collection Practices Act Section 807 ( 8 ) by not placing the disclosure within the required 30-day period. 
XXXX received the third certified letter on XX/XX/XXXX And yet again XXXX has failed to respond to the certified letters I have sent to them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have written to XXXX, Experian and XXXX regarding their practices regarding my FICO score calculation on several occasions disputing the decreasing of my FICO score resulting from inquiry requests when I have placed a freeze on my credit file preventing any activity that would impact my FICO score. I was told as long as I have a freeze on my credit file NO ONE would be able to see my report and my FICO score wouldnt be impacted. My FICO score has decreased for the past year without explanation other than inquiry requests that were blocked by my credit file being frozen. XXXX, Experian and XXXX has either refused to respond with a legal explanation for the decreasing of my FICO score. XXXX, Experian and XXXX is illegally decreasing my FICO preventing me from becoming a homeowner for 3 years now. I am asking the Consumer Financial Protection Bureau to investigate XXXX, Experian and XXXX practices of calculating my FICO score. Thank you in advance for all of your assistance regarding this matter. I have attached my credit report reflecting my FICO score for the year of 2021.
Product: Credit reporting or other personal consumer reports

There are unauthorized inquiries on my credit report. Kindly eliminate them promptly
Product: Checking or savings account

1. On XXXX XXXX, 2017 I paid my XXXX bill online ( from my online XXXX account ) in the amount of {$30.00}. It was reflected immediately as a debit on my online Chase checking account and deducted from my account balance. 2. On Friday, XXXX XXXX, the afore mentioned XXXX payment was still reflected as a debit out of my account and not included in the " current balance '' on this day. 3. On Saturday, XXXX XXXX, the afore mentioned XXXX payment disappeared from my account and the {$30.00} was added back to my account balance. On this same day I called Chase Bank Customer Service to inquire why my online payment disappeared from my account because it was a bill payment that, by this time, was now reflected on my new XXXX online statement. They indicated that they had no record of the charge and that it would not reappear on my account. I repeat, the customer service rep said the charge would not re-occur on my account. I asked if I should re-pay the bill. They indicated that I should. 4. On Monday, XXXX XXXX, my account still did not reflect the {$30.00} paid to XXXX and was still not deducted from my account, but the Chase rep had told me it would not re-appear, so I was not worried about it. Also, I was aware that my account was overdrawn {$48.00} from a XXXX XXXX XXXX visit so I went to the bank this same day and deposited {$60.00} in cash to cover this charge ( and anticipated {$12.00} tip ) to prevent an NSF charge on my account which would incur the next day, Tuesday, XXXX XXXX. This should have left my account with a positive balance the next day. 5. On Tuesday, XXXX XXXX, the afore mentioned XXXX payment was again reflected as a debit on my account causing an NSF charge, despite what the previous rep told me. I called Chase Bank again and explained all of the above to this rep. She told me that it was the fault of the merchant and that the merchant withdrew the previous approval that Chase Bank gave on XXXX XXXX, then re-issued the payment. This did not make sense so I called XXXX and they confirmed they did not, could not, and would not do this. 6. I called back Chase Bank and this rep told me I could only have so much reversed on my account per year and would not reverse the entire {$34.00}. She reversed {$32.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed accounts that are reporting in error on my credit report. I have sent several dispute letters in the last 7 months to have the accounts removed from my credit report. XXXX XXXX and Equifax have failed to validate all items reporting on my credit reports. The dates, I mailed in disputes are XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. XXXX XXXX  and Equifax have all my the fair credit reporting act. I want all items deleted.