23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report in Experian.com and XXXX XXXX and I found out that credit reporting agencies still indicate my dispute of information in my credit report. I sent a letter to the 3 credit bureaus on XX/XX/2022. As of XX/XX/2022, XXXX, Experian, and XXXX have not responded to my dispute. This is my sixth attempt to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing of BUREAUS. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureaus are required to remove any account which was opened without my knowledge, consent or authority. 
XXXX XXXX XXXX XXXX XXXX Balance : {$870.00} ; XXXX XXXX  XXXX XXXX XXXX Balance : {$1900.00} ; XXXX XXXX XXXX XXXX : {$0.00}
Product: Credit card or prepaid card

On XX/XX/XXXX & XX/XX/XXXX XXXX Wayfair charged me late fees, {$29.00} on XX/XX/XXXX & {$40.00} on XX/XX/XXXX. I spoke with customer service and they agreed I was not late and they agreed to refund my late fees. I had never been late before. The late fees remain on my account.
Product: Debt collection

I have requested via phone and via mail for proof that this debt is mine. I have asked specifically for bill of sale or a purchase agreement and after waiting 30 days have not received the items, Instead the collection agency has requested that I ask for this information in writing again.
Product: Money transfer, virtual currency, or money service

I am filing complaint against ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( 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, as 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: Checking or savings account

Citibank has been  rearranging my transactions in order to garner the maximum number of overdraft fees. In the course of  XXXX   XXXX  -  XXXX   XXXX ,   XXXX  , I had  one ov erdraft occur with several pending debits for credit card payments that had previously been applied. I had  my two credi t cards withdraw on the same day for convenience. Early in the day  XXXX   XXXX  debite d my Citibank acco unt successfully. Later Capital One did so which resulted in an overdraft, which was my fault. Howev er Citibank then d eclined both payments to  XXXX   XXXX  and  XXXX   XXXX  and charged me an overdraft fee of {$34.00} for ea ch one, initiall y totaling {$68.00}. However  XXXX   XXXX  continued to retry the payment every  two days for a total of three ti mes, resulting in a n Citibank overd raft fee for each retry for a total of {$100.00}. I am disputing the {$100.00} in fees due to the returned  XXXX   XXXX  payments becau se Citibank declin ed the initial payment after it went through. I am not disputing the {$34.00} fee due to the  XXXX   XXXX  overdraft because that was my fault.     On  XXXX   XXXX ,   XXXX  ,  Citibank again ch arged an overdraft fee of {$34.00} after arranging purchases. I paid my phone bill on  XXXX   XXXX , and made a purchase on the  XXXX . Instead of declining the purchase, because I had signed up for overdraft protectio n, Citibank did  not post the phone payment until after the purchase on the  XXXX , then charged the overdraft fee.     These wer  e two separate instances in which Citibank manipulated my account in two different shady ways in order to extract overdraft fees totaling {$170.00} in approximately two weeks, {$130.00} of which I am contesting. These fees have only originated because Citibank created disorder in the way my charges were processed in order to charge fees.
I went to Citibank to discuss the charges. The representative listened to my complaint and began typing in   her computer. I thought she was documenting my case, but then she simply handed me a slip stating my account had been closed, so now I am contacting the CFPB.
Product: Credit card

Hi capital one closed all my credit card account on XX/XX/year>. They refuse to provide me with a reason other than I am using my cards other than what they intended for. I am specifically concerned about my capital one venture x card which had a balance of XXXX points. Capital one refused to allow me to use my points ( either for {$10000.00} worth of gift cards or to transfer to an airline or partner ) instead they forcibly redeemed them for me for a statement credit of {$5300.00}. They also have refused to refund my {$390.00} annual fee.
Product: Credit reporting or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XX/XX/2022XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To Whom it may concern, Im writing, in regard to the above referenced accounts and transactions. This vehicle was charged-off by XXXX XXXX XXXX XXXX XXXX XXXX state of XXXX, XXXX XX/XX/XXXX and resold on XX/XX/XXXX. 
Under the laws of the state of XXXX  UCCs code, you will need to look this up and state XXXX  and XXXX  statues, a deficiency can not be claimed unless all the required were properly and timely given, and all of the allowable redemption and cure time limits were adhere to. 
Please provide copies of the legal notices and proof of the commercially reasonable manner of the resale of the subject vehicle. 
If no such proof in provided within 14 days from receipt of this notice, the alleged claim of a deficiency will be considered null and void and any continued collection activities or continued reporting of this invalid claim on my credit reports will be considered a violation of the FDCA and FCRA.

In addition, if you singularly or severely fail to comply with the above requests, I reserve the right to seek damages against all parties, under all available State and Federal statutes and UCC Article 9 remedies. 

Sincerely, XXXX XXXX
Product: Credit card

Capital One Bank retaliated against me because I recently filed two complaints against it with the CFPB. My credit limit has been {$1000.00} for a long time. Currently, as of XXXX XXXXXXXX. today, my account online shows a balance of {$91.00}. Thus, I should have Available Credit of {$900.00}. There are NO pending transactions. Yet, Capital One, without reason, reduced my Available Credit to {$99.00}, as of XXXX XXXX today. Thus, Capital One intentionally, arbitrarily and maliciously reduced my Available Credit by {$800.00}. With no new purchases and no pending purchases, there is no reason - other than RETALIATION- for Capital One to have reduced my Available Credit. When I called Capital One, their representative said that it was correct without willing or able to explain.
Product: Debt collection

I am not liable for this debt and I do not have a contract them. They did not provide me with the original contract as I requested. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v Gravens ( Mo ) 281 SW 715 719 | May Presume that no proof of the alleged debt, nor therefore any such debt in fact exists.
Product: Debt collection

When reviewing my credit report from all 3 major bureaus last year in XX/XX/XXXXI noticed 3 collection accounts for medical bills that I had no knowledge of. I asked all 3 bureaus to remove them, The only bureau XXXX after investigating was kind enough to remove the item. 

I am in the process of applying for a mortgage and this is a problem in being approved by a lender. 

The collection Agency information is listed below. 
XXXX XXXX XXXX XXXX They show 2 addresses On the letter head is XXXX XXXX XXXX XXXX, Ohio XXXX The envelope XXXX XXXX XXXX XXXX, Florida XXXX ( XXXX ) XXXX I am enclosing documents showing how I have attempted since XX/XX/XXXX to obtain any information on this alleged debt and all I get is a piece of paper with 3 amounts and no documentation. 

XX/XX/XXXX - Letter to XXXX XX/XX/XXXX - Letter to XXXX XX/XX/XXXX - Letter to XXXX  XX/XX/XXXX - Letter to XXXX regarding identity fraud XX/XX/XXXX - Letter to XXXX XX/XX/XXXX - Letter from XXXX to me with no detailed information As you can see I have asked for information regarding these debts which are not mine numerous times.They should be removed from my credit reports. 

Thank you
Product: Mortgage

Please reference complaint ID XXXX. 

I do not know why this was closed as it has not been resolved. 

I had a deduction from my checking account on XX/XX/2022 in the amount of {$16.00} for a finance charge for the loan I never took out. 

No where in their resolution document do they address the funds taken from my account. 

Additionally when I first reported the loan in my name that I never signed for, I was told by someone who identified himself as a high level individual within Bank of America he stated that after the notary types in a code that there is no stopping a loan from funding. I asked him why they dont just make a phone call after a scheduled signing to ensure everything went well and then you would never have this issue again. 

This leader within Bank of America stated that they are just too busy with all the loans right now to make a phone call. I was shocked that their initial response was to say they were too busy to correct a major financial issue from reoccurring. I do not see anything related to how this issue will be corrected in their response and closing documents. 

Additionally, after initially reporting the loan that was opened without any signatures to Bank of America and asking them to stop moving forward with anything else regarding the loan until they figured out what went wrong, they proceeded to run my credit report again causing inaccurate data to the credit agencies. Again, like the funding of the loan I did not authorize Bank of America to run my credit report again. 

What has Bank of America done to ensure new loan applications are not opened manually by a bank employee without obtaining authorization from the applicant? Who is this individual that opened this new application manually? 

In their response and closing they simply say they will work on correcting my credit report after I complete a new loan with them. I want this and all other matters resolved before closing this complaint. 

How can a complaint like my initial complaint be closed without resolution of all the issues related to the illegal opening of a loan in my name? Why didnt someone from Bank of America call me prior to closing this complaint and ask of everything was resolved?

A simple check of debits/credits from the HELOC and my bank account would have found this {$16.00} in interest charges. Bank of America has multiple compliance issues relating to my single loan.

Im also asking to escalate my complaint to the next level and if possible to a congressional level.
Product: Credit card or prepaid card

I set up an account with Discover card company. The agreement was no interest for 21 months on balance transfers. I transfered a little over {$8000.00}. I paid aprrox. {$300.00} a month for a year. Then I noticed discover started charging me interest. they said I had paid off all the balance transfer. Impossible as I had only paid {$3600.00}. I had a bad charge on the card of about {$5000.00}. When the charge was finally settled discover added the XXXX to the balance transfer and said the agreement was satified. The bad charge was NOT a balance transfer. They then started charging me the normal interest rate for charges. 
I called many times and talked to different people ; I talked to a supervisior and they said they would look into it. I kept calling but no answers. I transfered {$4000.00} out of the account and I am trying to get the rest transfered out, but mean while I am paying interest which I should not have to pay.
Product: Debt collection

On XXXX ; XXXX, the company Merchant 's Credit Guide Fraudulently reported on my credit profile that I am in debted to their company. I never entered into an agreement with this agency, please remove this collection, or I will be forced to pursue litigation. The next steps are to file a Complaint with the State Attorney General Office in my State.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax sold my information. I didnt even get a notice that my information was compromised. I had to find out on my own. Then they charged me for credit report and i subscribed to what i thought was credit monitoring. That account has been compromised. XXXX opened account using my info that is connected to two XXXX numbers and each number has two additional accounts associated with each number. Then they didn't protect my personal info at all then selling it on the dark web. Then tp top it off metro by XXXX XXXX swapped me and took over my sell phone getting phishing message all from XXXX customer care. My email is hacked XXXX messenger its outta control. Who ever stole my identity is monitoring my credit and making dispute so i won't find out. Its my credit and i wan na be able to access and use it. They also are trying t get settlement money also. Help me
Product: Credit reporting or other personal consumer reports

The late payment in question is reported by [ EXPERIAN ] for the period of [ insert date of late payment ]. I believe this information is incorrect and does not comply with the requirements outlined in the Truth in Lending Act ( TILA ), specifically section 1637 ( b ) of Title 15, which mandates that creditors provide accurate and complete information regarding the terms of credit, including payment history.

Furthermore, according to the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681s-2, furnishers of information must report accurate details. The late payment reported does not reflect my true payment history, and I request that you investigate this matter in accordance with 15 U.S. Code 1681i. 
FTC # XXXX XX/XX/XXXX XXXX To support my dispute, I have enclosed copies of relevant documentation, including [ list any supporting documents, such as payment receipts, account statements, etc. ]. 
I respectfully request that you investigate this matter and remove the inaccurate late payment from my credit report. Please confirm in writing that the correction has been made.
Product: Payday loan, title loan, or personal loan

The XXXX banking app wont allow Earnin app to link with my account
Product: Credit reporting or other personal consumer reports

Delete late payments I have read my credit report and I see an inaccurate and unlawful account. It has several late payments which are erroneous. The information listed is not aligned whit the other bureaus. This is a big violation of FCRA, please verify these late payments that you claim I did commit. SEND ME documents such as contracts, billing statements, signed agreements and the representatives you spoke whit who verified it WITH AN affidavit. If the requested documents are not met. Please remove these erroneous and unlawful late payments on my payment history like XXXX did. 

I DID MY RESEARCH AND HERE ARE THE LAWS YOU ARE VIOLATING : 15 U.S. Code ss 1681e ( b ), it's crucial that consumer reporting agencies take reasonable steps to ensure the highest possible accuracy of the information concerning an individual in their reports.

15 U.S. Code ss 1681 e ( b ), it is stated that when a consumer reporting agency prepares a consumer report, it must follow reasonable procedures to ensure the highest possible accuracy of the information concerning the individual.

I am fully aware the under 15 U.S. Code ss 1681i ( 5 ), it is stipulated that if, after a reinvestigation, any disputed information is found to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must promptly delete or modify that information accordingly and notify the information furnisher of the changes.

15 U.S. Code 1681s-2, specifically, the Responsibilities of furnishers of information to consumer reporting agencies, it is noted that within 30 days, you did not properly indicate that this account was under dispute, thereby resulting in a violation of this provision.

15 U.S. Code 1682n ( b ) civil liability of a natural person I've been violated.

My disputes are detailed and directly related to the accounts in question. A template response WILL NOT BE acceptable response. If, within 15 days after your investigation, you are unable to provide me with verifiable proof, you are obligated to remove erroneous and unlawful late payments on my payment history. Listed below These account should not reflect as negative : XXXX. XXXXXXXX XXXX # XXXX YOU ARE NOT reporting 100 % correctly. You are violating FCRA. DELETE the late payments on my payment history ASAP. 

SEE PICTURES UPLOADED
Product: Mortgage

this is for faye servicing fayeservicing.com and i want this complaint submitted to them. please dont tell me you cant find them that is their website. My loan which is 5 months behind was being reviewed for forebearance. It was transferred XXXX and i knew the one size fits all would happen. I asked XXXX XXXX  from where it transferred to speak to these people at faye that i had shown preliminary evidence of being able to repay what i owe. I tried calling XXXX XXXX i get spontaneously disconnected when i try to do so. on XXXX when i came home there was a letter posted to my door by a property inspector. Please note XXXX did not even send me a letter of acceleration because i was undergoing a review. And its looking good. Despite that someone i am not sure who but likely FAYE servicing fayeservicing.com called a proeprty inspector and they will likely TRY to bill my account for this which i will fight. I want the REView for forebearance to continue.

I want individualized help and a contact i can reach at faye to continue hat we were doing at XXXX. NO property inspections please Not needed. Not wanted And the inspector said my home was vacant which its not. clearly and XXXX knew that. HELP HELP HELP No one size fits all which is why i asked XXXX XXXX to reach out to them for me. in antiipation to avoid all this ANY CALLS SHOULD ONLY BE AFTER XXXX eastern please no one size fits all please please check with WF as to where i was in the review process and continue not send property inspectors to my house not needed. i will pay no fees. i have rights which i will protect no XXXX XXXX thank you maam. please i did not want my loan transferred
Product: Credit reporting 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 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 and list of Inquiries. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Vehicle loan or lease

Can you please invest in making your online experience/portal for customers better? You make it so difficult and cumbersome for people to complete simple tasks like submitting a principal only payment. As the Hyundai system is currently set up, there is no option for you to make a principal payment online by yourself, which is something you can easily do with other automakers. Instead, you have to get a hold of a live representative for payment allocation, and the only non-fee payment option is to mail a check or make a payment online, and you have to reach back out to another agent to have it allocated properly. What sense does that make? And then theres no way to get support online - no online chat or message service available. The way this is setup makes it difficult for customers to get ahead of their loan payments, which makes it easier for Hyundai Motor Finance to collect more interest than they normally would if they had this feature enabled in the online portal. I have 2 principal payments that Ill need to make over the next month, one 3-digit payment and one 5-digit payment.
Product: Money transfer, virtual currency, or money service

I added {$1300.00} to my Square cash account to buy bitcoin and hours later my account was frozen and i could not csh out my money in my account
Product: Credit reporting or other personal consumer reports

The following accounts below are claiming to both own the same debt, with a balance. As you know this is not possible and also a violation of my rights. Because of this, BOTH accounts need to be removed from my credit report immediately. Due to not properly validating the information in which a company has passed to you. Please delete immediately. When the requested accounts below deletions are made and removed. Please mail me an updated copy of my credit report. 

ACCOUNT 1 : ( XXXX XXXX ). 
ACCOUNT 2 : ( XXXX XXXX  ORIGINAL CREDITOR : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ).
Product: Student loan

Had some challenges over the years making student loan payment payments ( XXXX ; and again in XXXX when I lost my job. Called to get help and each time the only option given to me was forbearance. I was never offered any other types of assistance or programs. As a result, I am in more debt now that every before. The student loan amounts are listed in my credit report multiple times causing a negative impact on my credit score. I owes thousands in loans ( mostly from interest, fees, and forbearance ). This has caused a tremendous hardship on my family. It would have been nice to know that I could have been enrolled in an income based repayment program based off my income so that I could have kept up with my student loans -- and not pushed into forbearance as my only option. 

I have called XXXX XXXX, wrote letters, but nothing helps.
Product: Credit card

I am writing to follow up on a complaint I previously filed against Chase regarding unauthorized charges on my credit card ( number ending in XXXX ). The complaint reference number is XXXX. 

Despite my initial report, the issue remains unresolved. My credit card was charged a total of {$6200.00} without my authorization. Chase refunded only {$300.00}, leaving a balance of {$5900.00} in disputed charges that have not been reimbursed.