23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Capital One payments must be made by XXXX that day, otherwise it is considered late and their system will not post the payment until the next day. If my payment is due on a certain day of the month, I should have until XXXX to make my payment and not be penalized with a late charge.
Product: Credit card

I spoke with XXXX XXXX XXXX a couple of months ago regarding fees and unrecognized charges to the account. Was advised to send in my affidavit in which I did and that someone from the fraud department would contact me but no one never did. XXXX XXXX advised me that it may take some time for a representative to contact me which is understandable but I have n't heard from anyone regarding status or anything. I 've faxed several documents requesting an update to the fax numbers in which I was provided but never received a response nor a call back. The collection agency in which target sold the account to are trying to sue me for a balance in which I feel that I 'm not totally responsible for. If someone can give me a call with an update on the account I 'd greatly appreciate it.
Product: Credit reporting, credit repair services, or other personal consumer reports

In the past I was able to freeze and unfreeze my credit using a pin via the Experian website. This was done instantly. On XX/XX/2020, I tried using the Experian site to lift my freeze and was not able to do so. Instead, I was sent a form that contained such fine print that I could not read it without using a magnifying glass. 

I called the Experian 800 number and was told that all future freeze or lifts would have to be submitted by mail with all my personal information filled out on the unreadable fine print form and then mail to Experian alone with a copy of my drivers license and utility bill. The freeze lift or freeze would take 3 days from receipt of the form and copies only if all the information were correct. 

Experian is making it very difficult for people to freeze or unfreeze their credit information with them. Also, be forcing one to mail out all your personal information along with a copy of a driver license place one at risk for identity thief. 
I did finally reach someone at customer service at Experian and was asked to buy a program they had on credit monitoring that would once again allow me to do credit freeze lifts and locks online. Experian is purposely making it difficult for one to use what should be a free service be requiring all your personal information be sent be mail in order to use it.
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Was in accident and was suppose be paid by workers compensation. Numerous calls were made to XXXX and spoke to XXXX and said not to pay it out of pocket and just wait for workers compensation to take care of this bill. They never did so I spoke to her and told her it concerned me regarding my credit and she said not to worry about it. I paid it in full on XXXX XXXX, 2015 and she stated all was okay on their part, now it reflects my credit tremendously due to XXXX XXXX XXXX sending to SARMA when I paid it before they submitted it in XXXX. Spoke to XXXX yesterday and said she would tend to it, but did n't recieve call back. Please help I have my receipt where it was paid in full back in XXXX
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and deleted from erroneous reporting in my file are listed on my credit report. 
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 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: Credit reporting or other personal consumer reports

Due to identity theft, I requested XXXX, Transunion and XXXX place a credit freeze and fraud alerts on my account in XX/XX/XXXX. All 3 bureaus failed to confirm this through mail or email. I followed back with XXXX in XX/XX/XXXX. There was no Fraud alert in place -- I requested this and again they did not confirm this in writing. Now I have had three subsequent identity theft events. The most recent was in XX/XX/XXXX when a hard inquiry was allowed by Transunion and an unauthorized line of credit was opened in my name according to my Transunion report. This is the exact reason a freeze and fraud alert was requested in XXXX and XXXX -- to prevent such an occurrence.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of an unjust rental account from my credit report. My notice of termination was approved with no penalty on XX/XX/XXXX, and I was granted the right to terminate my lease effective XX/XX/XXXX, without penalty, as documented and signed by XXXX XXXX with XXXX XXXX XXXX for the property located at XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX 

The termination was necessary due to serious safety concerns, as the apartment complex was subject to XXXX XXXX under my apartment, which directly impacted my health and caused XXXX XXXX. Despite this, the rental account has been wrongfully reported on my credit, causing undue harm to my credit profile. 

I have submitted several dispute letters, yet the credit bureaus have failed to follow the Fair Credit Reporting Act ( FCRA ) guidelines by not properly investigating or correcting this error. I also provided supporting documentation proving that this rental account should never have been placed on my credit report. 

This matter is causing significant financial damage, and I am requesting immediate action to have this account removed from my credit report. I urge the CFPB to ensure the credit bureaus comply with FCRA regulations and properly investigate this issue. 

Thank you for your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 


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: Credit reporting or other personal consumer reports

XXXX has not updated my credit information from First Progress since XX/XX/year>. I have XXXX balance and my score has not changed. I am in the process of buying a home and this has affected me greatlyl
Product: Debt collection

I purchased a high school ring for my daughter from XXXX company in XX/XX/XXXX and I was set up on payment plan. I was late, and made final payment in XX/XX/XXXX. 

I never received notification or reminder about payment, however I understand it was still my responsibility. In XX/XX/XXXX I received a text on my phone that the ring was going to be delivered to the high school. I sent a text back asking questions because i knew it was not paid in full. XXXX XXXX confirmed this with emails. I finally received a mail to my home stating I had a outstanding balance and i was already send to XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

I tried to resolve this through XXXX XXXX who is their executive account for XXXX XXXX, he said he could not help me and referred me to XXXX in collections department. I asked XXXX to help me resolve this problem, and she referred me to XXXX XXXX XXXX XXXX XXXX. I called them today and spoke to XXXX XXXX. I told him what had transpired with XXXX and told him I had receipts from XXXX and he said XXXX has been their client for many years. Because he had me under my maiden name he still needed proof and was still sending to the credit beau in a few weeks. I explained to him that XXXX did not have my correct email address on file, and could not help me any further. I asked for email address so I could send him a copy of final receipt from XXXX stating the balance was paid in full. He did give me an email address and I send him copy while I was still on phone, he said he try to check since that is not his department. At the end of the day, I felt I received no help, and Merchants could not do anything because XXXX has been their client for many years. 

I am being sent to the credit beau and this account has been paid in full, among other things that have taken place with XXXX, for one they did not have correct email address. Second, anyone I communicated through email at XXXX referred me to different departments. Third, They sent me confirmation they had record of account being paid in full, but yet, they could not help me and I was again referred to Their collections department to speak with XXXX who referred me to Merchants Collections? I don't understand why they can not just help me resolve this meanwhile Im being penalized by being sent to credit beau in a couple of weeks?
Product: Credit reporting or other personal consumer reports

Ive reached out to all XXXX CRAs several of times on numerous occasions in regards to fraudulent accounts thats on my credit reports from the following companies XXXX XXXX opened on XXXX, XXXX XXXX XXXX XXXX XXXX on XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX opened on XXXX XXXX XXXX XXXX opened on XXXX XXXX XXXX XXXX XXXX opened XXXX XXXX XXXX XXXX XXXX XXXX opened on XXXX, XXXX XXXX opened on XXXX. Along with several inquiries
Product: Checking or savings account

Citizens Bank has made it difficult to close my checking account. On or around XX/XX/year>, I called Citizens Bank customer service to close both my checking and savings accounts. The agent gave me confirmation number XXXX and said both accounts would be closed and a check would be sent to me for the remaining balance. However, by mid XXXX the checking account was still active so I transferred the remaining funds out and called customer service on XX/XX/year> to ask what happened. This time, the agent said that the savings account had properly closed ( although I had never received a written confirmation ) but due to a systems issue the checking account closure was not processed properly. This was disconcerting because I would have remained liable for monthly service fees, including the potential for a negative balance and NSF fees. It also required additional time on my part to call Citizens Bank, which has extended wait times on the phone. The agent promised to close my checking account but I am not confident that the account closure will be processed properly.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts though your company claims to have verified these. 

Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX TransUnion, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 
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: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXXXXXX XXXX XXXXXXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX  Account # XXXX, has violated my rights. 

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

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

I tried to point out two errors to my loan company to no avail. Submitted proof of errors and still no one responds to me. Instead they did opposite and increased mortgage by {$400.00} dollars. My first error was my homeowners insurance. This was picked by Broker who got my loan. That homeowners insurance was XXXX XXXX. However, I chose to change to another company once I closed to XXXX homeowners because they give good discounts to veterans. I Submitted this to caliber home loans, my loan company, and to this day, it still shows like I have XXXX XXXX along with XXXX even though I canceled XXXX XXXXXXXX and got refunded from them. Moving forward, I asked for escrow analysis for my mortgage to go down because my XXXX premiums are much less than the original homeowners insurance XXXX  XXXX. However, Instead of decreasing, they shot up {$400.00} dollars more. When I investigated further, I realized that caliber home loans went and paid the property taxes for the year when they were not supposed to because my escrow company had already done so for the year. This left my escrow account account in the negative {$1900.00}. I Submitted the documents that was given to me by XXXX XXXX which is my escrow company to caliber home loans and no one wants to address the issue. I was told that they were aware of the mistake, but in response to that, they went ahead and did a new escrow analysis with my escrow being negative {$1900.00} knowing full well that it was not supposed to be in the negative. And with that, their new mortgage calculations are with me having 2 homeowners insurance companies when I had already canceled one. Please help me rectify this situation. All I want is for them to reverse what they did and bring my mortgage back to where it should be with the right information. I thank you in advance for your time and assistance. From XXXX XXXX
Product: Credit card

Citi refused to help in any manner to resolve an issue i had came across thru credit bureau reporting when refinancing my home. they reported me XXXX, XXXX XXXX and closed my account. they insisted they could not help bc of XXXX balance. i was even told that i settled with collections dept when asked about adjustments to the account. after review of past statements is when i learned that my payoff amt posted to my acct 2 days later than the due date incurring a late payment which escalated til XXXX 2016 at which time they wrote off those charges and closed my account and reported serious delq. i never used the card again and so i never checked the account. i never received any further notices or telephone calls to try and collect any amounts from anyone until i reviewed my credit report. i tried to contact them immediately to try to resolve this. i was told several diff stories, XXXX it was an error, XXXX, i made arrangements with collections ( explanation for adjustments ) or could not give any info bc of XXXX balance. i had to request all statements to try and figure everything out. Once it was established that the payout payment posted after XXXX i asked if this could be resolved bc i was a good paying customer and that all charges were just charges of theirs and had indeed collected anything i owed and i wanted to get my credit history returned to its great standing. she refused to help and stated that my reportings would not be fixed bc it was not a banking error and their policies had changed and they were no longer lenient in their late fees. i was only 2 days late and this was a complete error and explained had i known about the charges, i would have contacted them immediately and most likely they would have removed charges.
Product: Credit reporting, credit repair services, or other personal consumer reports

On two different occasions, XXXX XXXX, XXXX, and XXXX XXXX, XXXX, Quicken Loans initiated unauthorized credit inquires. These were associated with unsolicited phone calls they made to me attempting to get me to renegotiate my existing mortgage with Quicken. I did not authorize their credit inquiries, and now fear I was a victim of " churning '' by quicken loans. I have subsequently discovered that these inquiries are affecting my " credit score ''. I received a third call from Quicken on or about XXXX XXXX, again they were attempting to revise my mortgage. This again, was an unsolicited call. Although I informed the caller I had not solicited them to call me they persisted in attempting to execute the transaction by suddenly transferring me to a " loan officer '' whom attempted to discuss my loan. At this time I terminated the call.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reported XXXX to XXXX, TransUnion, XXXX, asking them to Validate the debt of the amount {$520.00}. Under the fair credit reporting act as it is reporting inaccurate on my credit report. I started this process in XX/XX/XXXX-present. I have even sent validation letters to XXXX and spoke with a representative, asking what information do they have on file, making me liable for this charge-off account, she informed me, nothing. This matters has not been taken seriously in validating this debt.
Product: Credit card or prepaid card

i don't remember the day my credit card was lock to do fraud / Around XX/XX/2020. since then i call them several time. the last time i had to send them picture of my Driver license front and back. that was about a month ago. an Capital one has send me a new credit card. i went to use it and it was decline. Well back in XXXX i add XXXX $ to the account but they still didn't. clear the fraud charge against it. what is XXXX I call today and first talk to XXXX id XXXX XXXX THEN I ASK HIM TO TALK TO HIS SUPERIOR SO HE TRANSFER ME TO XXXX ID XXXX  XXXX AND He gave me the run around and said the fraud department did resolve the problem yet. since XXXX They have been give me the run around because i'm a senior citizen. They are just harassing me. i'm tired of it/ i'm XXXX years old and should have to put up with this. 

Thank You
Product: Payday loan, title loan, or personal loan

Arrowhead advance and been patient with me and reduced some of my interest payments but my wife lost her job and I can only pay {$100.00} a month and they want me to pay {$200.00} a month of my remainding debt of {$440.00}. I have paid them back the {$1000.00} originally borrrowed and in the process of paying back interest payments which I believe has been {$1400.00}. Two months ago, I contacted Arrowhead Advanceand I proposed paying them back {$100.00} a month and they would not agree to the terms. They would only allow me to make a {$50.00} payment with {$100.00} payments going foward every two weeks.I was not able to make the {$100.00} payment today on my debit account. My attorney has sent them a letter on XXXX revoking their right to garnish and to not use my bank account. I plan to pay them back but I can not afford {$200.00} a month. 

below is my past payment history : Loan Details ID : XXXX Start Date : XX/XX/XXXX ( Mon ) Original Principal : {$1000.00} Status : Pastdue Current Balance Principal : {$230.00} Finance Charges : {$180.00} NSF Charges : {$30.00} Total : {$440.00} Last Payment Amount : {$99.00} Date : XX/XX/XXXX ( Mon ) Type : Returned Date Description Principal Cash Advance Fees Finance Charges NSF Fee Total XX/XX/XXXX Payment ( {$99.00} ) {$0.00} {$0.00} {$0.00} ( {$99.00} ) XX/XX/XXXX Payment ( {$99.00} ) {$0.00} {$0.00} {$0.00} ( {$99.00} ) XX/XX/XXXX Payment ( {$50.00} ) {$0.00} {$0.00} {$0.00} ( {$50.00} ) XX/XX/XXXX Payment ( {$110.00} ) {$0.00} {$0.00} {$0.00} ( {$110.00} ) XX/XX/XXXX Payment ( {$110.00} ) {$0.00} {$0.00} {$0.00} ( {$110.00} ) XX/XX/XXXX Payment ( {$100.00} ) {$0.00} {$0.00} {$0.00} ( {$100.00} ) XX/XX/XXXX Payment ( {$50.00} ) {$0.00} {$0.00} {$0.00} ( {$50.00} ) XX/XX/XXXX Payment ( {$40.00} ) {$0.00} ( {$180.00} ) {$0.00} ( {$220.00} ) XX/XX/XXXX Payment ( {$32.00} ) {$0.00} ( {$190.00} ) {$0.00} ( {$220.00} ) XX/XX/XXXX Payment ( {$26.00} ) {$0.00} ( {$190.00} ) {$0.00} ( {$220.00} ) XX/XX/XXXX Payment ( {$21.00} ) {$0.00} ( {$200.00} ) {$0.00} ( {$220.00} ) XX/XX/XXXX Payment ( {$17.00} ) {$0.00} ( {$200.00} ) {$0.00} ( {$220.00} ) XX/XX/XXXX Payment ( {$13.00} ) {$0.00} ( {$210.00} ) {$0.00} ( {$220.00} ) XX/XX/XXXX Payment ( {$120.00} ) {$0.00} ( {$100.00} ) {$0.00} ( {$220.00} )
Product: Credit reporting or other personal consumer reports

I lost my wallet and over the next couple of days I had two inquiries popped on my report one on the fourth one on the seventh I believe which was from XXXX XXXX and XXXX and accompany called XXXX  I had my report frozen and its the second time I disputed with them the fraud department and they have not removed it. Its a violation of my rights per 15 USC 1681 and if they dont remove these inquiries already talking to my lawyer about possible suing them. Litigation
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

15 U.S.C 1681 section 604 A. 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 reports containing any of the following items of information any other adverse item of information, other than record convictions of crimes which antedates the report by more than 7 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.