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

I've been a customer of JetBlue Barclays Mastercard for over five years. I've never been late on a payment and have always made payments in full. 

On XX/XX/XXXX, they did not accept my payment for an unknown reason. I tried via the app, website, and over phone to make the payment. They were " processing '' the payment until XX/XX/XXXX. 

I contacted my bank as well and there was nothing they could do. 

On XX/XX/XXXX, I was charged interest of {$96.00}. 

On XX/XX/XXXX, I called to dispute, they issued a " one time refund '' of {$96.00}. 

On XX/XX/XXXX, I noticed they retroactively added a new interest charge of {$86.00}, but issued on XX/XX/XXXX. 

On XX/XX/XXXX, I called to dispute, they issued a " one time refund '' of {$86.00}. 

On XX/XX/XXXX I was charged interest of {$37.00}. 

I called on XX/XX/XXXX to dispute, they refused to issue a refund because a payment on XX/XX/XXXX happened from the " time my bill was sent to me until the time the card issuer received my payment ''. 

I've never dealt with this until XXXX and XXXX of this year. I have been a loyal customer and never made a late payment. These charges are bogus.
Product: Credit card or prepaid card

I applied for a credit card at XXXX XXXX to get a discount. After 2 months of not receiving a bill, I understood that my payment was late ; and provided the telephone rep who called me with a debit card to make payment by phone. I also told her that I had never received a paper statement and asked her to send me one for my records. She gave me a confirmation number for the transaction. 
In early XX/XX/XXXX, I had started receiving statements by mail, but they reflected an outstanding balance still, late fees and interest charges. I called XXXX XXXX XXXX XXXX and asked for a manager, I provided him the confirmation number of my payment and opened a complaint # XXXX, which started an inquiry on their end as to whether they were paid. By XX/XX/XXXX, I was still getting an invoice, collections notices and more penalty fees. I called again and asked for a manager. I was told the investigation had not been completed, but that I would be notified by mail of the results. 
By XX/XX/XXXX, I still had not been told about the investigation, but I was still receiving invoices for more and more money. I called and spoke to another manager, XXXX. She told me that she would reopen complaint # XXXX. She also told me that they would send 1 ) written confirmation that my balance due was only the original purchase of {$200.00} ( and not the {$410.00} that I was most recently billed ). She also confirmed that they would confirm the financial institution that they did not receive payment from. By this time -- 7 months after I paid this bill, I did not recall the debit card I used by phone. 
It is XX/XX/XXXX, and while I continue to receive invoices for more money, I still have not received written confirmation of the real balance due or results of the inquiry associated with complaint # XXXX. Put plainly, I have no way to verify that XXXX XXXX XXXX XXXX hasn't already been paid! I called and waited 5 minutes to learn that XXXX, a " manager '' in the the collections department -- which I am routed to when I enter an account number, something I'm required to do before advancing in their automated system -- couldn't look up the complaint # I had. I waited another 10 minutes to speak to a customer service " manager, ''  XXXX. I confirmed with XXXX that absolutely NO ACTION had been taken to respond to my XX/XX/XXXX call even though I was being billed for more than 200 % of what I actually owed. She likewise couldn't access the complaint and kept me on hold another 10 minutes ( 25 mins cumulative for the day ) to speak to an escalation " manager, '' XXXX. I informed XXXX that after 4 calls, 7 months and over 2 hours on the phone with " managers '' at XXXX XXXX XXXX XXXX and XXXX XXXX customer service today was my final attempt to resolve the matter. ( Every interaction has been recorded, which I confirmed this evening. ) After 54 minutes of holding, the call abruptly disconnected and no one called me back to apologize or respond to my original request.
Product: Credit card

On XXXX I was charged for {$150.00} for vtsup.com using my Capital One REI credit card, but I didn't recognize this transaction and called capital one to report. It was temporarily reverted. On XXXX I received a letter in the capital one app, saying that it was found a valid transaction, thus reapplied. On XXXX I called their bank and spoke to fraudulent department. The supervisor did not provide any reason for why it was found valid. 

I've submitted a compliant before under XXXX, it was closed but the company still does not provide specific reasons for why it was found valid. In addition, I've submitted a police report to XXXX XXXX under tracking XXXX
Product: Credit reporting

* All the information regarding this case such as the credit name, account info, creditor name and more are in the attached file. 
* It is all started after XXXX offered me {$3000.00} credit card to be used by me. 
* XXXX did not send 2 statements ; I called them and ask them to remove the late fees for those statements ; but they refused. 
* I did I asked them to close my account immediately ; I told them I need to pay all the balance for the purchase so I can close my target account ; then I paid the amount using my debt card ; then They told me at that time they are closing it, and I do not owe them any thing for any purchase. 
* I called them later on to see if they can remove the late fees ; but the person who answered me refused, looks like I was getting the same person before ; then I asked that person if my account is closed ; the person said no ; then I asked that person to close the account ; I did check with them later on to see if the account was closed ; but it was not ; * I did reach Experian, XXXX and XXXX credit agencies and dispute the ( almost {$54.00} late fees ( I am not sure exactly now, but it was $ XXXX ) ; and I asked them to close the XXXX account ; because the target are refusing to close the account for me. 
* Later on after the account was supposed to be closed on XXXX of XXXX ; target was charging me almost {$40.00} for late fees and interests each month of XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX ; and report that I am late 30 days late to pay for XXXX XXXX, 60 days late to pay for XXXX XXXX, 90 days late to pay for XXXX XXXX ; and 120 days late to pay for XXXX XXXX ; and they are still going with their same process. 
* I dispute this issue almost 3 time with the credit reporting agencies. 
* The attach file has some for those statements for { XXXX, ..., XXXX }. 
Credit report agencies claim that the process of their dispute is to send electronic a-mail to target asking them if I own them any money, and if they said yes, then they can not remove the charges ; they recommend me to reach to the Bureau of Consumer Financial Protection. 
* Please let me know if you need any further information regarding this issue. 
* The following are my contacts : XXXX XXXX XXXX XXXXXXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX XXXX, I requested a copy of my credit report, that whens it came to my attention that I have an inquiry of my report that I did not authorize. I sent a certified letter dated XXXX XXXX, XXXX to Captial One requesting to provide me with a copy of any documentation associated with this account bearing my signature authorizing an inquiry. I also sent a certified letter dated XXXX XXXX, XXXX to XXXX requesting the same information and nothing has been done by either Capital One Bank or XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 states I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit loan under an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have carefully reviewed my credit report in XXXX. I have been turned down for a credit due to mis-reporting information, I have found inaccuracies that should be immediately investigated. I have complete knowledge of the Fair Credit Reporting Act and understand that these companies have a responsibility to notify me prior to or no later than 30 days of such negative activity reporting against me. This inaccurate information is preventing me from getting the credit I deserve and it needs to be removed immediately! 
XXXX XXXX XXXX XXXX XXXX XXXX AFFIRM INC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Checking or savings account

Suntrust were experiencing online issues, during this time were not able to access the account as we could before on a daily basis. This took place over a 30 to 35 day period of not having access or be able to perform payroll After noticing fees and account overdrawn, I contacted the bank on several occasions, even went into the bank Personally at least twice ... ..They did refund 2 of the fees, However ... .Those were the ones that they did just to be saying so
Product: Credit reporting or other personal consumer reports

You replied that the alleged transactions that you identified as late is verfied. The following accounts are : XXXX XXXX : Account # XXXX XXXX :  Account # XXXX XXXX  : Account # XXXX XXXX : Account # XXXX You have no proof that this alleged transaction was late. 15 U.S. Code 1666b -Timing of payments ( a ) Time to make payments. A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. In order for any creditor to treat a payment as late you must prove that : 1 ) The information required under 15 USC 1637 ( b ) of this title was mailed out or delivered 21 Days before the payment due date please provide the proof that this information was mailed out or delivered 21 days before the statement date. 2 ) 15 USC 1637 ( b ) is very specific on all required information needed or that must be mailed or delivered to the consumer! You have 10 days to send me all the required information. Your reply to my dispute is Verified, have you verified what the requirements are for a creditor to treat a payment as late? The fact that you verified the information means that you are in possession of the information that was sent or mailed 21 Days before the statement date, and you are in possession of a copy of all information from 15 USC 1637 ( b ) and the Certified mail tracking number that proved the delivery of said information for you to verify this item as late! I am requesting a copy of the information pursuant 15 USC 1637 ( b ) and the tracking number that was used to prove delivery of said information to me the consumer 21 days before my statement date regarding this account. 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( 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 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.
Product: Credit reporting or other personal consumer reports

I noticed some fraudulent inquiries on my report that i did not authorize. Please remove it immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act US Department Of Edu # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have 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
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies in my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : Experian : XXXX XXXX : XXXX XXXX : XXXX
Product: Mortgage

XXXX XXXX XXXX  was my mortgage company. Mr. Cooper bought my mortgage from them. I received no information about this from anyone, and it wasn't until about XX/XX/2024, that I noticed my mortgage payment had not been deducted from my bank account. I logged into my online account with XXXX XXXX and learned that my account was closed and that my mortgage had been sold to Mr. Cooper. I received no information from Mr. Cooper and did not communicate with them in anyway. I never authorized Mr. Cooper to charge my bank account for any payments. On XX/XX/XXXX, Mr. Cooper charged my bank account for my mortgage payment {$2300.00}. I had no knowledge that this payment was going to occur and I never authorized them at any point to charge my account. I called them and they claimed they were allowed to do this. I called my bank ( XXXX XXXX ) and disputed the payment.
Product: Credit reporting or other personal consumer reports

I am writing to express my extreme dissatisfaction and concern regarding the unresolved status of my previous dispute about unauthorized inquiries on my credit report, which I submitted on XX/XX/year>, followed on XX/XX/year> and followed up on XX/XX/year>. This is my final attempt to resolve this matter amicably. I demand an immediate resolution in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ). 
Unauthorized Inquiries in Question XXXX XXXX - XX/XX/year>XXXX XXXX XXXX XXXX XXXXXX/XX/year> Section 611 ( 15 U.S.C. 1681i ) requires an immediate investigation of disputed information. It has been more than 30 days since my initial dispute, and I have yet to receive an adequate resolution, which is unacceptable.

Section 609 ( 15 U.S.C. 1681g ) entitles me to access all information in my file, including the results of your investigation. To date, I have not received the required information, which constitutes a violation of my rights.

Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. These inquiries were made without my consent and do not meet any permissible purpose under this section, representing a serious infraction. 
Immediate Action Required I demand immediate action to resolve this dispute. Specifically, I request the following : 1. Thorough and Immediate Reinvestigation : Conduct a complete and urgent reinvestigation of the unauthorized inquiries.

2. Immediate Removal of Unauthorized Inquiries : Remove any inquiries found to be unauthorized from my credit report without delay.

3. Updated Credit Report : Provide me with an updated copy of my credit report reflecting these changes immediately.

4. Detailed and Documented Notification : Inform me in detail of the steps taken and the results of your investigation within 15 days of receipt of this letter. Include documentation supporting your actions. 
Warning of Legal Action If I do not receive a satisfactory resolution within the specified timeframe, I will escalate this issue to the Consumer Financial Protection Bureau ( CFPB ) and proceed with legal action to protect my rights as a consumer. I will not hesitate to seek compensation for any damages resulting from your failure to adequately resolve this matter. 
I expect your immediate response and resolution to this issue.
Product: Debt collection

In XXXX of 2012 me and my husband moved to XXXX. We vacated our house in XXXX which was in foreclosure and still is. The banks were informed we were leaving and they took over care of the property. Now a law firm in XXXX has placed derogatory information on all credit reports for a utility bill after we left. It is possible that a squatter is there but I have no knowledge. I sent them an initial letter requesting verification of this debt. They sent me a copy of a bill after I left XXXX. Additionally they are not licensed to do credit collections in XXXX even though they claimed they are. I also could not find them in the XXXX Bar site. I have also sent out a second certified letter with proof of residency in XXXX.
Product: Debt collection

National Account Systems has been notified that this debt they are trying to collect on is a result of ID theft. They have however, even after receiving a copy of the police report and a dispute from the Credit Report Agencies, refused to remove the account from my credit report.
Product: Debt collection

DISCOVER BANK keeps to to collect and report information on a fraudulent account. 

See Attached.
Product: Debt collection

My original student loan was through XXXX XXXX, and it was for less than {$12000.00}. EOS CCA, has not tried to contact me via phone, I have never received any voicemails. I have recieved two physical letters asking for over payments of {$26000.00} or telling me there will be legal action. This has also been going on even though there was a federal law passed for student debt being cancelled for several months with also 0 % interest because of covid-19. I let them know that I want to work with them but the fact that they want over twice as much as the debt I owed is scary. I need help
Product: Credit reporting or other personal consumer reports

Under 15 U.S.C 1681c. 

From early this year to present date of XXXX Companies from XXXX XXXX, Equifax and XXXX. Have published my personal debt without authorization and would like for them to be deleted immediately. These are grounds for discrimination against me and scope of investigation without my consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

As a natural person with rights under 15 USC 1681, I would like to file a formal complaint regarding the following items on my credit report that are in violation of the Fair Credit Reporting Act and my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. The consumer reporting agencies are governed by 15 USC 1681 and have repeatedly violated my rights. I demand that the accounts listed below be immediately deleted from my report in accordance with the Fair Credit Reporting Act. 

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 XXXX According to 15 U.S.C 1681 section 602 A, I have the right to privacy, and 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. Additionally, 15 U.S.C 1681c. ( a ) ( 5 ) Section states that no consumer reporting agency may make any consumer report containing any adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. Moreover, 15 U.S.C. 1681s-2 ( A ) ( 1 ) stipulates that 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. 

Moreover, the consumer reporting agencies have violated the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ), which prohibits creditors from failing to reflect a payment made by the obligor or a credit issued to the obligor, and from making a computation error or similar error of an accounting nature on a statement. Since the creditor did not notify me 21 days before with a statement, there should be no late payments on these accounts. I demand to see hard solid proof from the creditor bank account that I didnt pay and was marked late, as this is clearly a billing error. The account listed below should be updated as agreed on my consumer report. 

XXXX XXXX Account # XXXX If these accounts are not updated immediately, I will seek monetary compensation for the violation of my rights in small claims court in my city and state under 15 USC 1681n civil liability. I have already submitted this complaint to the Complaint portal for the State Attorney Generals Office, XXXX XXXX XXXX, and Federal Trade Commission. 

Furthermore, I did not authorize the following companies to access or pull my credit report. These inquiries are fraudulent, and I demand that they be removed immediately : XXXX TransUnion XXXX XXXX XXXX, XXXX FL , XXXX XXXX XXXX  XXXX XXXX TransUnion XXXX XXXX XXXX, XXXX FL, XXXX XXXX XXXX XXXX XXXX TransUnion XXXX I HAVE CONTACTED THESE COMPANIES AND THEY HAVE NO PROOF THAT I HAVE AUTHORIZED THESE INQUIRIES OR PERMISSIBLE PURPOSE.THESE INQUIRIES NEED TO BE REMOVED IMMEDIATELY.
Product: Credit reporting or other personal consumer reports

According to 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX has reported late payments and has not mailed or delivered a periodic statement to me 21 days before the due date. They have failed to send the proof for which I have asked. XXXX, XXXX, and Transunion have reported these late payments without verification and without my consent. 

In addition, I, the consumer, never gave XXXX, XXXX or Transunion written permission or consent to furnish my information or obtain my information. I also sent a remittance coupon for payment on my account. XXXX XXXX has not presented this coupon for payment on my account and has not returned it to me.
Product: Debt collection

My Identity has been compromised by someone that I do not know. Please feel free to give me a call with any questions or concerns at XXXX
Product: Debt collection

I have an account on my credit from I C SYSTEMS COLLECTIONS # XXXX in the amount of {$390.00} This account do not belong to me. I would like the company to provide documentation including a signed contract with my signature validating that this account belongs to me. If they are unable to provide documentation I want this removed from my credit immediately.
Product: Debt collection

In XXXX, i was checking my credit report and notice an alert XXXX collection debt in the amount of {$560.00}. 
I believed it was send to XXXX XXXX credit bureau on XX/XX/XXXX from XXXX XXXX and Credence resource management LLC. 
On XX/XX/XXXX I send letter to XXXX, the collection agency and the 3 credit bureau XXXX send me monthly invoices but no validation that I ope any account with the company I have been with the same phone company for the past 10 years ( XXXX ) AND MY NUMBER IS STILL THE SAME I do not have any past or current account with XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been out of the USA for the past 5 years and during this period my SSN has been used to apply for his/her loan. ( I have clear evidence that I have not been out of the country- I am still abroad ).