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

Payment was made on XX/XX/XXXX for payment date of XX/XX/XXXX since the system instructed me that paying on XX/XX/XXXX would post to the current statement and I was paying for the following month ( XXXX ). Upon payment processing I receive a statement notice that minimum monthly payment is due for XXXX ( which I just paid ). I called Capital One and was transferred to the XXXX XXXX department as for some reason my account as always been flagged for fraud and I have had to prove my identity XXXX XXXX to open the account and then each time I used the card was instructed to send documentation to prove my identity, so I cancelled the card. In speaking with the first rep, she kept placing me on hold and once she got back to me told me they were unable to move the payment and I can request a refund. I tried to request a refund but then told me I had to do that through my bank ( my bank would not refund me money they do not have???? ) I asked to speak to her supervisor and she transferred me. Was placed on hold by that supervisor and was then told because my account is closed they were denying any refund, and unable to move my payment. I then asked to have XXXX 's payment waived. I was denied that request too. I provided XXXX options to correct the issue that had their system not told me my adjusted payment day would still post to the previous billing cycle, I would have moved it myself. I asked to speak to the next supervisor and my request was denied. She told me they do not take calls but she was not refusing my request.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX   XXXX  is associated with US Bank Mortgage. A inspection of my property was done in  XX/XX/XXXX , without my knowledge. I had a invoice mailed to Attorney  XXXX   XXXX   XXXX  's office in  XX/XX/XXXX . The year I filed bankruptcy, because my mail was being stolen. I only receive d one invoice from the Company.  It shows US Bank account number. The name  is U S Bank National Association.  This invoice is dated  XX/XX/XXXX . I nee d the invoices from US Bank.  XXXX   XXXX   XXXX  &  XXXX   XXXX  have been deleted from the bankruptcy courts. I have the original Deed of Trust for  XXXX   XXXX .  XXXX   XXXX   XXXX   XXXX   XXXX   poses  as a paralegal.  XXXX  worked for the  XXXX   XX/XX/XXXX , until she stole from them.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal credit union regarding multiple over draft fees, I have incurred. Despite having sufficient funds when transactions were authorized. I was charged fees due lagged, posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices where transactions settled with insufficient balances, despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit card or prepaid card

Hello dear CFPB I am writing to assist me to reopen my closed business account with bank of america which has been closed without any serious bases. 

I opened XXXX XXXX business account very long time ago with credit limit {$16000.00}. I did not use a lot just small purchases but recently i gave one merchant my card just to hold not to charge nor i gave authorization to charge but in my surprise they charged my card {$7400.00} without my consent, when i noticed the charge i called bank of america and immediately disputed the charge because i did not allowed them to charge and also i did not want to spend 45 % of my available credit in one card when i have more then {$32000.00} in my checking account with bank of america i can pay cashier check or by check if it's necessary. Long story short today i wanted to use my card to pay for XXXX XXXX membership and my card was declined, I called bank of america and was told we have decided to closed your account because in first they said i used my account very aggressively not as usual but i explained situation regarding charge was not authorized and that i opened dispute then i was told i have no installment loan and i answer them i was approved this card and had more than year without installment loan why now its necessary to close my account ... Than i ask to speak with supervisor to ask him to reconsider to reopen account his name if i am not making mistake was XXXX XXXX i again told him i am very dissatisfied and i think it's not fair and very biased to close account without bases for customer who has fico score above 770 based on XXXX XXXX XXXX XXXX  and has great income and never missed payment and has {$32000.00} in deposit with bank of america to close account. he put me on hold and came after 10 minutes and said again in my opinion very baseless reasons about my credit like supposedly i have not enough established credit and no installment loan and again my answer was same that i was approved maintained this account in great status very long time and i have above 770 score fico score in all 3 biggest CRA and never missed payment and overall maintained great relationship with bank of america. His response was robotic answer that does not applies to my situation. I think maybe there is some prejudice or bias towards me because i can not find one real reason why would my account be closed when every factor of my credit and spending and depository situation is perfect. Please CFPB assist me to reopen my account with bank of america and have great business credit.
Product: Payday loan, title loan, or personal loan

Hello, I overnighted a payoff on XX/XX/2022 and the funds were received on XX/XX/2022 and have yet to be applied to my loan. When I call, I'm told they will not back date my payment ( stealing interest from me ) and it can take 10 business days to apply my funds.

I've asked to speak to a manager several times and am never given one to talk to. 

XXXX tracking information XXXX Thank you for your time.
Product: Credit reporting, credit repair services, or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the listed account which I believe appears to be inaccurate and incomplete be immediately investigated and corrected on my credit file XXXX XXXXXXXX Balance Owed : {$0.00}.
Product: Credit reporting or other personal consumer reports

I'm contacting you regarding false personal information linked to my identity. Accounts and transactions I neither know about nor authorized have been wrongly attributed to me, causing me considerable XXXX. I've fallen victim to identity theft and have already reported this incident. This issue requires immediate attention, as it's negatively impacted my finances and reputation. I request your help in swiftly removing all fraudulent data from my credit report and thoroughly investigating this situation. I'm ready to provide any needed evidence and, if necessary, take legal steps to defend my rights and seek proper compensation. Your quick response to this pressing matter is greatly valued.
Product: Credit card

i initially applied foe a credit card and received shortly bthereafter i was a victim of idenity theft, my home and auto was burgularized and someone fraudently hacked my accounts. A perpetrator was eventually caught and the charges still appear on my statements My entire financial status was affected by this and im asking you to demand removal
Product: Debt collection

On this date, XX/XX/2021 company opened a collection. 
Account # XXXX {$230.00} That I owe. 

I have never signed any written document saying that I owe this debt to the collector. 
Pursuant to 18 U.S. Code 8, I owe no debt. This company is violating my rights to privacy pursuant to 15 U.S. Code 1681b Section 2. Company has NO permission to report ANYTHING using my information pursuant to 15 U.S. Code 1681 section A, Subsection 4. 

I do not know who they are and have not written consent from my end. 

Also, they have not verified that I owe this debt to this alleged company. 
Please have this removed from all three credit reports. 

XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

The Chase Freedom Unlimited card promotes Trip Interruption Insurance and Cancellation as one of its benefits. I used my card to book flights for a trip I took over the summer and that trip was canceled. I tried using the insurance and was told that the benefit was not available to me or my card, despite that being advertised on Chase 's website. 
The trip was canceled on XX/XX/XXXX, I used the card to book my hotel and expense meals as I was under the impression according to Chase that this would be covered under what they promised. 
On XX/XX/XXXX, I submitted my claim to Card Benefit Services which handles Chase 's benefits. 
On XX/XX/XXXX, I got an email saying that my claim had been denied due to those benefits not being available to me. 

This was very misleading according to Chase 's website and the benefits package that was sent to me once I got approved for the credit card.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following alleged accounts were yet unproven to be my responsibility or fault.. No entity is with authority to retain or report any allegations not DEMONSTRATED by certificate of FACT to be fully TRUE, CORRECT, COMPLETE, Timely, or a determined OWNERSHIP, and or of a determined RESPONSIBILITY and the presentation of the informational evidence MUST BE IRREFUTABLE to be so.. Experian failed to demonstatrate proper procedures to remove the accounts XXXX XXXX XXXX XXXX , and XXXX XXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have on multiple occasions disputed incorrect information as it pertains to XXXX XXXX to all 3 credit agencies. I have never been late on this account and they have not done proper investigations on this and are leaving the incorrect information on my report.
Product: Bank account or service

I had had an existing credit line product with my bank, Wells Fargo. On XXXX XXXX, I called the customer service to find out what are my options to increase the limit from {$10000.00} to {$15000.00}. The representitive I spoke with was XXXX XXXX at XXXX XXXX XXXX, extenstion XXXX. Initially I was told the only way to increase the limit is to open a brand new credit line. After some back and forth, I was finally offered a increase if I file an application over the phone, so Wells Fargo can process it and pull a credit report. I agreed and proceed with answering the questions. XXXX of the questions was whether " I am a XXXX resident ''. I answered " No, but I am treated as one for all financial institutions and for tax purposes ''. This is due to a fact I am not a green card holder, but a XXXX visa holder instead. I heard a little hesitation from the representative voice, but he proceeded with the application. I was told that the bank will contact me within XXXX hours with the decision. 
From there, things went downhill. I was never contacted by the bank. I reached out again to find out regarding the application status ; I was denied. Subsequently, I showed up in person at the WF branch to gather more feedback regarding the application. I spoke with XXXX XXXX and his senior co-worker. They had very difficult time navigating the system to provide a true reason of denial. This was caused by multiple application WF made for my name without a reason ( applications XXXX and XXXX ). Finally, after an hour long wait and calling several WF departments, I was told that my request to increase the line was denied due to " non-resident status ''. I am still very perplexed as to an explanation I received from personal bankers at the XXXX 's WF branch ; they said WF allows non-resident aliens such myself to apply to avoid any discriminatory charges, however, it automatically denies these applications. So how is it? Is it fine to discriminate on back end, but not on front? I understand the bank has a right to establish its own underwriting standards, but I expect a higher level of transparency. Wells Fargo allowed me to apply knowingly I will be denied. The bank did not act in my best interest ; especially as it pulled a credit report. Now, I have a hard pull inquiry visible to anyone for two years. I am extremely disappointing about the discriminatory consumer practices, lack of transparency, and misleading behavior. Other financial institutions such as XXXX, XXXX, XXXX XXXX have made steps to do further due diligence in such cases ; these banks move application into a pending status and request an additional information to substantiate my status.
Product: Debt collection

I received a call from XXXX, from Oracle Financial Group LLC . He told me there was a case pending and that I would be served unless I set up a payment with him. He told me he could stop the person who was going to serve me if I made a payment by Friday. ( XX/XX/2017 ). I also received a call from someone claiming to be a " server '' and would go to my place of work to serve me paperwork. Out of fear, I did set up a payment for the XX/XX/XXXX for XXXX. When I asked for a validation letter, XXXX got very defensive and told me I was becoming unbearable to work with. He has also called me at my place of work and told my supervisor that I was being investigated for a bad check!
Product: Credit reporting or other personal consumer reports

My credit report contains late payment remarks that are completely inaccurate and misrepresent my actual payment history. These false records are unfairly lowering my credit score and harming my financial reputation. I will not allow these reporting errors to go unchallenged. 

Despite my diligence in managing my financial obligations, these mistakes continue to create unnecessary obstacles. The FCRA clearly states that any incorrect, outdated, or unverifiable information must be promptly corrected or removed. I demand immediate action to rectify these errors, as any further delay will only increase the damage already done. Failure to act swiftly will be seen as deliberate negligence. 

Inaccurate Late Payment Remarks : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

I do not have a XXXX XXXX credit card account, please remove this mistake
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I wrote to your company indicating my dispute of information in my credit report. I contacted the furnisher because I feel like the bureau is disregarding my efforts and so they agreed to UPDATE and REPAIR my account. Equifax has not responded to my dispute and therefore must update my credit file. The late date which is actually submitted on my credit report sounds very inaccurate or deceptive. You should furnish confirmation that this assumed account was in fact past due and that you have taken the vital practices to be able to appropriately learn more about your allegations. I do not believe I was late on the date you are reporting. Please report the payment status as positive and update the late reporting on this account. 

XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attached supporting documents for this identity theft claim. I would want the accounts removed and blocked because they are fraudulent and do not belong to me.
Product: Credit reporting or other personal consumer reports

The purpose of this complaint is to have XXXX unauthorized XXXX XXXX inquiries removed from my credit report. I received a copy of my credit report from your bureau on XX/XX/XXXX and noticed that there are unauthorized inquiries listed. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. If you find any unauthorized inquiries, PLEASE REMOVE THEM AS QUICKLY AS POSSIBLE and send me a copy of my new, accurate credit report. 
XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 someone tried to obtain credit with XXXX XXXX  Delaware, XXXX alert me. I reach out to XXXX XXXX  Delaware to let them know it wasn't me and represent told me that it will be removed that was XX/XX/2022 inquiry still remain on my credit report. Also the XXXX XXXX is my maiden name, I always apply for credit with my married last name XXXX XXXX, which is my legal last name on my driver license and social security card. Please remove incorrect inquiry that was put on my experian credit report credit that I didn't apply for.
Product: Credit reporting or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

on XX/XX/XXXX i have conducted the payment in the amount of XXXX USD from my account with XXXX XXXX  to account of my son XXXX XXXX with XXXX XXXXXXXX XXXX with value date XXXXJ.P.Morgan Chase Bank was an intermidiary bank/On XXXX XXXX XXXX  was designated under XXXX XXXX XXXX. Considering this, my payment was blocked by J.P.Morgan Chase. On XXXX i have received license XXXX authorising J.P.MORGAN CHASE Bank to process the transfer in accordance with original instructions. On XX/XX/XXXX i tried to contact J.P.Morgan Chase via XXXX from XXXX XXXX  informing them on the fact of the a.m licence and asking them to process the payment. Still, J.P Morgan Chase has not fill the payment. Thus XXXX XXXX can not receive money even having XXXX license
Product: Mortgage

I started making weekly payments in XXXX when the monthly mortgage payment was {$2700.00}. Select Portfolio Servicing did not allocate any of the weekly payments towards the escrow account. No escrow adjustment was made in XXXX. I continued to make weekly payments through XX/XX/XXXX. All payments made from XXXX through present were applied to principal and interest only. PDF is attached with payment history. 
I initiated a dispute with Select Portfolio Servicing on XX/XX/XXXX to reallocate the weekly payments from XXXX through XX/XX/XXXX to the escrow account instead of the principal and interest. Letter of denial dated XX/XX/XXXX was issued. 
Instead of Select Portfolio Servicing reallocating the weekly payments from XXXX through XX/XX/XXXX, Select Portfolio Servicing has made the escrow adjustment increase by {$1900.00} for the next 12 months, making the monthly mortgage payment change from {$2700.00} to {$4900.00}
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, This Is my Third written request for Method of Verification. You company has failed to provide me with this information and continue to violate my consumer and civil rights. I have been maintaining accurate logs of my letters and will file a complaint with the CFPB.

These Unverified accounts continue to hinder my ability to obtain credit. Please provide me with the information below : I demand the following Unverified Accounts be provided Physical Verification or Deleted Immediately. Please Provide Method Of Verification.

The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly?

Who verified these accounts? Describe the procedure used and method to determine the accuracy and completeness of the disputed information, including the business name, address and furnisher of information connected to any in accurate information.

You need to do a reasonable investigation in compliance with FCRA section 611 part ( b ) sub sections below.

As per the FCRA : ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I have been keeping detailed records of each letter with certified US Mail tracking in case needed to pursue further legal action. 

I demand the following accounts be verified or removed immediately. 
1. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

2. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX Account Number : XXXX Delete this account. 

3. there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Delete this account.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX. The XXXX XXXXXXXX account, account number XXXX with charges of {$230.00}, and the XXXX XXXX XXXX account, account number XXXX with charges of {$120.00} are unauthorized accounts. These accounts are fraudulent. I submitted a FTC report for the charges at hand and sent the documentation to the TransUnion credit bureau where I seen the charging for them to remove it from my and stop reporting. I will be filing a lawsuit.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting acat XXXX Account # XXXX, has violated my rights. 

15USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a late payment on a credit card account under an open end consumer credit plan as late for any purpose.