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

They are adding interest charges to your account even though it has been paid in full every month.

CapitalOne, is now in the unethical business of adding last minute interest charges to your account with the intent to lower your credit score for that particular month. Here 's the proof of such activity : Confirmation Number : XXXX XXXX, Thanks for scheduling your card payment through our mobile app. Here are the details : Payment amount : {$230.00} Posted date : XXXX XXXX Balance paid in full Confirmation Number : XXXX XXXX, Thanks for scheduling your card payment through our mobile app. Here are the details : Payment amount : {$2.00} Posted date : XXXX XXXX Unethical interest charge added last minute for my account with no balance which was paid in full on the XXXX 

Products and services are offered by Capital One, N.A. 
This action caused my credit score to lose XXXX points currently. Here 's the proof : XXXX XXXX XXXX XXXX Points Checked Daily and the reason was the following : CAPITAL ONE account balance increased Between XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, your CAPITAL ONE credit card balance increased by {$2.00} from {$0.00} to {$2.00}. This is them adding last minute interest charges to my paid full account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize nor consent to following inquiries being furnished on my credit report..SEE ATTACHED
Product: Credit reporting or other personal consumer reports

I am writing to formally lodge a complaint against TransUnion for failing to respond to my dispute letters concerning errors on my credit report. Despite my diligent efforts to address these inaccuracies, I have yet to receive any acknowledgment or resolution from TransUnion. 

Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681i - Procedure in Case of Disputed Accuracy, credit reporting agencies are required to investigate disputed items within 30 days of receiving a dispute. Additionally, if the disputed information is found to be inaccurate or can not be verified, it must be corrected or deleted promptly. 

XXXX : Account number : XXXX, I dont have a history of being late on this account. Update this on my report. 

XXXX  : Account number : XXXX, This debt is stating it is a charge off with a balance of {$0.00}. The debt was forgiven. How can it be a charge off? This is no debt to charge off. Please delete it if there is no proper verification given for this account. 

XXXX : Account number : XXXX, A charge off account with balance? Clearly, this is an inaccuracy. Erase the account from my credit report. 

XXXX CO XXXX : Account number : XXXX, Unauthorized account reporting. Delete the account. 

XXXX FUNDING ( Original XXXX FIRST DIGITAL FDC XXXX BANK ) : Account number : XXXX, Unauthorized account reporting. Delete the account. 

XXXX XXXX  : Account number : XXXX, How can this be labeled as a repossession or charge off if I still have the vehicle and there is a {$0.00} balance? This information is incomplete. Delete the account. 

XXXX XXXX : Account number : XXXX, The status of this account is showing as a charge off however how can it be a charge off when it was paid? This is an error. Delete the account. 

FST PREMIER : Account number : XXXX, If the credit limit is a fixed amount, why is it showing a higher limit in highest balance if i only have access to a specified credit limit. This is clearly an error. Delete the account. 

XXXX : Account number : XXXX, Paid and never late. Update this on my report. 

XXXX XXXX : Account number : XXXX, The highest credit limit is reporting inconsistently and inaccurately to each bureau. This is clearly an error that has not been addressed. Delete the account. 

XXXX XXXXXXXX XXXX : Account number : XXXX, A charge off account with balance? Clearly, this is an inaccuracy. Remove this account ASAP. 

XXXX : Account number : XXXX, There shouldnt be any late payment on a paid account. Update this on my report. 

XXXXXXXX XXXX XXXX : Account number : XXXX, The date of last activity is incorrect. You need to remove the account immediately.. 

XXXX XXXX XXXX  : Account number : XXXX, The balance owed is inaccurate. I believe this account to be unverifiable due to me not having an agreement with this agency. Please delete from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

So I sent a letter off to Experian on XX/XX/2022. My tracking number is XXXX XXXX XXXX XXXX XXXX. I also sent a letter to XXXX on XX/XX/2022. My tracking is XXXX XXXX XXXX XXXX XXXX. I have contacted them to remove personal information that I do not want on my credit report. According to the Fair Credit Reporting Act 12 USC 1681, I have the right to privacy. According to 15 USC 6802, no financial institution is supposed to share my information to third party people. 

These are clear violations of my federally protected consumer rights.
Product: Debt collection

Portofolio Recovery submitted a collection report to my credit history for an account that was a result of identity theft. The original creditor was XXXX XXXX and I didnt have any knowledge of this account. I tried contacting XXXX XXXX regarding this but they dont seem to care. I would like this collection to stop all type of communication with me and also to remove the account from my credit report
Product: Credit card or prepaid card

As of Wednesday XX/XX/2018, JP Morgan Chase has closed all of my credit cards. This is the 3rd time this has happened and for no reason. I have never missed a payment and always paid my bill way ahead of the statement. My credit is 100 % perfect in payment history and always have had a healthy usage. I am a XXXX year old managing my credit to the best of my ability and have not done anything wrong. I am utterly confused as to why Chase is targeting me. They claim they tried to call me, but I have not received any phone calls since the previous complaint. I would love to speak to someone on this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax confirmation # XXXX, is reporting the following addresses, inquiries, name and employer fraudently Inquiry : XXXX. XXXX XXXXXXXX XXXX dated XXXXXXXX XXXX XXXX  Names : XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX and XXXX XXXX XXXXXXXX XXXX Address : XXXX. XXXX XXXX XXXX XXXX, NC XXXX XXXX. XXXX XXXX XXXX XXXX Washington XXXX DC XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX. XXXX XXXX XXXX XXXX, NC XXXX XXXX. XXXX XXXX XXXX XXXX, NC XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX
Product: Credit card or prepaid card

Dear CFPB Staff. 

I am writing you concerning the anti-consumer behavior of Capital One 's call center staff over a legitimate dispute I have with a merchant. 

On XX/XX/XXXX I was informed by a Supervisor level staff member at Capital One on how to write and upload a letter clearly stating that a merchant 's response to our case was Invalid, and that the credit on my credit card account would be returned by Monday XX/XX/XXXX. 

It was not. I called again yesterday XX/XX/XXXX XXXX. I first spoke with a base level phone rep who after putting me on hold quickly tried to get me off the phone in a shady manner. It was clear he was trying to dodge around the fact they had no intention of honoring anything that had been guaranteed to us way back on XX/XX/XXXX, even very quickly muttering both the conversation with the supervisor on that XXXX and that she had stated that in an attempt to quickly skip by it and get us off the phone! 

I then demanded a supervisor. The supervisor stalled us keeping us on hold making me have to stay up until XXXX! 

It is clear the ( suppose ) Supervisor stalled and hanged up on us intentionally. And the first phone rep that day had confirmed our call back number in their system in case we get disconnected, as there was no call back attempt, no email follow up, nothing. 

We still have not received the almost {$480.00} in merchandise and Capital One 's overseas employees are causing them to break the obligations to American consumers required by law. 

We do not directly blame Capital One, but we request your assistance in helping us reach the higher channels of Capital One so they may be aware of this anti-consumer happening so that they may launch  an investigation and immediately credit us as promised as all has been provided as requested and guaranteed by their staff. 


Sincerely, An overall happy costumer XXXX XXXX.
Product: Checking or savings account

I signed up for an Amex Business Checking account using a mail-in flyer. The flyer CLEARLY said that I had 90 days to make 5 qualifying transactions. As soon as I opened the account, I already loaded the {$5000.00} needed to maintain the minimum balance. Today i had made 5 payments into my Amex BUinsess blue cash card, but the customer service representative said I didn't qualify becuase I needed to make it in 60 days. 

This is absolutely unfair. MY flyer said 90 days. And even then, I'm only 2 weeks past the 60 days. I want my XXXX points. I've held this money without making any withdrawals. 

Why didn't I get any kind of notification about my time running out if this was the case? Ive been a loyal credit card holder for 7 years. 

It seems as though they expect you not to get your signup bonus while they get to hold on to more deposits.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2018 auto loan installment for Fifth Third Bank was a part of a deferred payment arrangements. However it was submitted to the credit reporting entities as a 30 day/missed payment Having filed a previous complain with both 5/3 Bank  and your Agency, the 'missed '' status was updated and corrected to " on time ''. However, as of the past two or months, I have noted that the XX/XX/2018 is again reporting missed and negatively impacting my credit score with all 3 Bureau.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed erroneous accounts on my credit reports with XXXX XXXX, and TransUnion and my disputes have been ignored. I have attached the latest letters that were previously sent to the credit bureaus along with the certified mail slips. 

Certified mail slips XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX TransUnion
Product: Checking or savings account

On XX/XX/XXXX i called to close my account due to suspicious activity. ( My savings was drained of XXXX $ ) I told them i had received a call prior from usaa calling to confirm some activity on my account with a few things like my address verify link etc ( all through a usaa number and usaa texts ) I told them i had been hacked and to lock the account out and that i had lost XXXX and my checking was still in the positive of over XXXX. Later on that day i received a call from usaa which i thought was going to be that they unlocked my account and returned some of the money that i had or, a day that my account would be back to normal but it was far from that. The call i received was them saying i had a negative balance of XXXX and that I was responsible for covering it! ( I received this call within less than 24 hrs ). I have called EVERY SINGLE DAY since and i have got no answers! Once i spoke on the phone a usaa representative told me that she lost XXXX once if it makes me feel better and that scammers are getting smart, basically verifying that they do know that its scam. Few days later i was talking to a supervisor and she said that usaa advises members to not give out info ( although she said that the scammers do use the usaa number and usaa voice so how was i supposed to know? ). And a little about me ; im XXXX XXXX XXXX i work XXXX jobs and have been for a while with a steady income, im in college, and i live on my own. I havent been able to get gas or groceries for over a few weeks and when i called to tell them this they didnt do anything i was in tears! I cant even get a loan out to cover this because i am too young! I havent been able to pay rent! Anyway, XX/XX/XXXX they sent a message saying that there was XXXX charges that were not fraudulent equaling to XXXX XXXX First of all i didnt have that much in my account to begin! Second my account is XXXX $ negative thats almost a XXXX difference it almost seems like they just think i will pay this off and move on! And if its only XXXX that isnt fraud why is it negative XXXX that doesnt even make sense! At this point im beyond XXXX and im ready to call a news station ive been crying for days because i feel like they wont listen to me because i am young. I have been a customer for 3 years and i have NEVER been overdraft and always have a steady flow of money coming into my account. Please help.
Product: Consumer Loan

Auto loan for a XXXX, Account Number XXXX that was a total loss on XX/XX/XXXX. There is a GAP insurance problem I have been unable to resolve with Ally Financial. The car was purchased on XX/XX/XXXX. I am the buyer on the 72 month auto loan and my son XXXX is the co-buyer. Ally claims that GAP insurance does not cover losses if the loan is extended. I never extended the loan, but Ally extended it 5 times, despite me sending them written notification not to extend the loan. Ally claims that the co-buyer can extend the loan without the buyers permission. I dispute that because my written contract does not state that. Ally charged off the loan and sent my account to a collection agency. There is nothing in New York State contract law that supports Ally 's position.
Product: Mortgage

I am one of those millions of people who was in Forbearance during Covid 19 struggling to meet ends therefore, I have an outstanding balance of $ XXXX On XX/XX/XXXX, XXXX XXXX ( original lender ) approved the loan modification to reduce my interest rate from XXXX to XXXX. I resume my mortgage payment on XXXX, XXXX with XXXX XXXX XXXX XXXX XXXX I received a letter advising me to approve the loan modification I have to meet the trial period plan. During that time, the services was transferred to XXXX XXXX XXXX and they are the one that collecting payment from me. I met the trial period and they send me the paperwork to sign with prepaid XXXX envelope. Then, late of XXXX XXXX, I received a letter from XXXX XXXX advising me that my services will be transferred to RightPath Services/Nationstar Mortgage . XXXX XXXX XXXX advises me that nothing will be change and that my interest rate will stay at XXXX percent. Rightpath Servicing rejected the modification loan XXXX and escalated it XXXX while collecting my mortgage payment. The person in charged of my modification refused to accept my mortgage payment for XXXX. He can no longer accept payment he said, since my modification is rejected. They mishandled this process from the first time they took over the services.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed an authorized user, XXXX XXXX XXXX  card for several months. I disputed with XXXX, Transunion, XXXX  and with XXXX XXXX. XXXX XXXX representative " XXXX '' says there is nothing can be done. 

The problem is that I never authorized anyone to add me as an authorized user and this is FRAUD. I found out about this when I checked my credit report. I have asked that this account be removed from my credit report but none of the companies will do anything about it.
Product: Credit reporting or other personal consumer reports

Date XXXX this ongoing The company XXXXXXXX XXXX  added a Balance on my credit report over XXXX dollars late payments on a closed accounts that I never had So they added charge off and late payments and balances in retaliation for disputing accounts not mines They add late payments as retailition XXXX XXXXXXXX is doing the same thing the account is closed I never had account they dont even respond Its unacceptable For XXXX years they reported XXXX XXXX XXXX separate accounts I dispute it and it was verified over XXXX
Product: Mortgage

I am a victim of XXXX discrimination in a home appraisal. My home was under valued by at least XXXX and it is due to my race as a homeowner and minority Veteran. My community is brand new ( 3 years old ), there are over XXXX homes here and my neighbor just sold a 1 story for XXXX which is less than what my 2 story was appraised for and I have over XXXX more square living space and 2 extra bedrooms and 2 extra bathrooms, a bigger lot and many upgrades. There are many homes that look identical to mine that are valued at XXXX to XXXX just around the block from me. The appraiser also utilized homes as comparisons outside of my community which is incorrect and should not be done. The value of homes is supposed to be based on your homes community not someone else 's. The 2 other homes listed on my comparison appraisal are over 20 years old in another community, how is that fair?
Product: Credit card or prepaid card

XX/XX/2023 The website has been restricting my access because I have not received my replacement card for verification of the CVV number before logging in. After logging in from a computer because of the issue, the computer login at the website has given me an error message saying that I can not access the payment function of my account to add a new bank account. I was told that there was some type of " systematic change '' which was made to the account saying I could not make any changes to my own credit card account for XXXX hours and my payment is due today. The person at the customer service line asked me to give my new bank account information over the phone and when I told them I can't do that, I have to login and update it over the computer only and that the only time I can do that is now, not later in the day or XXXX hours from now they argued. They wanted me to give out my bank account information or be charged a late fee and have my account posted to my credit report as a late payment. The customer service representative and their manager both did the same thing. They asked me to login at a certain time of the day to make my payment rather than using the service now. They also did not give any options at all or any options for the payment to be mailed, etc.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently reviewed my credit report and found unauthorized inquiries. 

I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 

According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer.

Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete The following inquiries are unauthorized : CREDITOR INQUIRY DATE XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX
Product: Credit card

the following complaint is in regard to the previous complaints that have been ignored, disregarded and even marked as duplicate, even tho the complaint was in fact not duplicate.The following account ending XXXX is to be marked as in dispute and has yet be resolved. paypalcredit/synchrony bank closed my account without permission, lowered my credit limit andused my non public private information without consent XXXX XXXX the consumer in fact reached out to paypalcredit/synchrony bank multiple times and once again have been ignored they only respond when i put complaints in via CFPB. I sent an affidavit of facts, debt verification request along with exhibits of paypal credit /synchrony banks deceptive acts and practices and violations of my consumer rights and applicable consumer protection laws specifically but not limited to the FCRA and all its mandated requirements it was delivered on XXXX tracking number # XXXX the file was too big to include the affidavit in pdf form CC : XXXX XXXX ( senoir specialist corporate consumer relations synchrony bank attn # XXXX CC : XXXX ( senoir specialist corporate consumer relations synchrony bank attn # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX ( Ceo paypal ), CC : XXXX XXXX ( XXXX Paypal ) CC : XXXX XXXX ( Ceo of synchrony bank ) CC : XXXX XXXX XXXX ( CFO synchrony bank )
Product: Credit card or prepaid card

HSBC Bank sent us credit cards that we did not request. I called them and they said they would cancel the cards. They could not tell me who applied using our name or why they sent us cards. About two weeks later we received a welcome packet in the mail asking us to activate the cards. I called HSBC Bank again, the cards had not been cancelled. Once again, th
ey have promised to cancel the cards. This time I requested an email confirming action on there part. I will call them back if I don't receive the requested email promptly.
Product: Credit reporting or other personal consumer reports

Dear CFPB Leadership, I am writing to express my concern regarding the inadequate security measures currently provided by the three major credit bureausExperian, XXXX, and XXXX. These organizations, which store sensitive and critical financial information on nearly every XXXX, do not offer the level of security consumers should reasonably expect to protect their accounts.

Shockingly, not all of these bureaus even offer basic two-factor authentication ( 2FA ) via SMS, let alone more secure options like authenticator apps ( e.g., XXXX XXXX XXXX XXXX ). In cases where SMS-based 2FA is available, it is often difficult to locate and enable. This lack of robust security measures is unacceptable, particularly given the severe consequences of unauthorized access to credit reports and the growing threat of cyberattacks such as SIM-swapping and credential theft.

To address these vulnerabilities, I urge the CFPB to consider drafting and enforcing policies that require credit bureaus to : Implement and offer 2FA options through authenticator apps in addition to SMS-based authentication.

Ensure that all consumers can easily access and enable these security measures, with clear and transparent instructions.

Standardize security practices across all credit bureaus to provide a baseline level of consumer protection.

It is unacceptable that companies entrusted with such critical data remain behind the curve in adopting modern security practices. These changes are urgently needed to safeguard consumers and prevent further erosion of trust in the credit reporting system.

I respectfully request that the CFPB prioritize this issue and take decisive action to enforce stronger consumer account security standards for all credit bureaus. Thank you for your attention to this important matter, and I look forward to your response.