23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

On XX/XX/XXXX, I requested a balance transfer from Capitol One for XXXX be paid to my XXXX Store card, because it was charging me interest and the balance transfer was an interest free offer. It was never received XXXX. When I called Capitol on XX/XX/XXXX I was told they transposed the XXXX numbers on the XXXX account. I was told a stop payment was issued and a new XXXX check would be sent XXXX. And Capitol One refunded a XXXX late fee XXXX charged as a result of Capitol One's mistake. After awhile I saw that XXXX still had not received the new payment. I called Capitol one again on or around XX/XX/XXXX. This time I was told that XXXX had received payment and cashed the check but somehow had not credited my account. I called XXXX and they said Capitol One would have to prove they cashed it. So I called Capitol One again and they said I was told the wrong thing by the former rep and that neither checks were cashed! At this point I was so frustrated, I said just refund me the 2% fee and the $XXXX and I will pay off XXXX myself. I was told this could take XXXX to XXXX statement cycles. That was the XX/XX/XXXX! It's the XX/XX/XXXX and nothing has been credited back to my account. My name is XXXX. I can be reached at XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally bring to your attention a matter of utmost concern regarding the violation of my privacy rights as outlined in the Privacy Act of 1974, as well as the infringements upon my rights under 15USC 6802 and 15 USC 1681. Jpmcb is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' Jpmcb the financial institution and the Consumer reporting agencies XXXX, XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, XXXX pertaining to Jpmcb whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' Jpmcb never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. I have also included attachment to show the inaccurate reporting of JPMCB.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the FCRA the following companies listed below have violated my rights as a consumer. 

1. XXXX XXXX XXXX XX/XX/XXXX {$0.00} 2. XXXX  XXXX XXXX XX/XX/XXXX {$0.00} 3. XXXX XXXX XX/XX/XXXX {$0.00} 4. XXXX XXXX XXXX XX/XX/XXXX {$0.00} 15 USC 1681 section 602 A states I have the right to privacy.

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

There must be written instructions by me to have anything written on my credit report and i never gave authorization.
Product: Debt collection

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports.

I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on NATIONAL CREDIT SYSTEM XXXX Balance {$3100.00}. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX I applied for and received an online loan from XXXX. The loan amount was {$800.00} with 17 payments of {$130.00} totaling {$2200.00}. I made several payments totaling {$930.00} which was more than the amount principle amount loaned to me. In XXXX, I had some financial and health issues come up and I couldnt make my payments. Not knowing what the online lender could do I contacted the XXXX Department of Financial Institutions and the XXXX Secretary of State, both of which informed me that XXXX wasnt licensed in the state of XXXX, theyre tribal leaders and charged illegal rates of interest. They advised me that the loans were illegal thus making them null, void and uncollectable. Upon receiving this information I contacted XXXX via phone and told the what I was told. After that conversation I still received emails from them trying to collect money from me. On XX/XX/XXXX, I received an alert from my credit monitoring app that a collection account was added. The account was reported by - XXXX XXXX XXXX , XXXX . In regards to the XXXX account. After making several phone calls I was told that XXXX sold my account to this company. I contacted XXXX and once again advised them that the loan was illegal thus making it null, void and uncollectableband that they needed to pull back my account from the collection agency. They said they a case manger would look into it. I wasnt given any time or even the persons name.I do not trust them to take care of this matter. I then contacted XXXX XXXX XXXX- who were very rude and basically said that they have money on this account and I needed to pay. I advised them that the loan was null, void and uncollectable but they insisted that this legal for them to report this to the credit bureau. I have since filed a dispute within the credit bureau Transunion. I also had another loan with XXXX that I received in XX/XX/XXXX paid in full in XX/XX/XXXX. Loan amount was {$800.00} total amount paid {$2000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please update these items. 

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, credit repair services, or other personal consumer reports

The original creditor/furnisher which is XXXX XXXX XXXX  credit card account # XXXX. Has deleted and removed this credit account from my credit profile report because the charges that made this account derogatory and closed where not authorized by me in other words this account was fraudulently charged off. The collection agency XXXX XXXX who bought this debt most remove this fraudulent account immediately as well.
Product: Money transfer, virtual currency, or money service

Made a purchase with a merchant of Square in the amount of XXXX and a XXXX tip. On the day after, I was notified by my bank that Square withdrew XXXX, {$400.00} transactions out of my account, resulting in XXXX. After going through so many loop holes with Square I was finally able to speak with a rep that provided me with inaccurate information along with rude customer service. The merchant did not receive the funds and the bank has notified me that Square has the funds withheld and is fraud, as I did not authorize.
Product: Credit card

I have had this account over 10 years. Never charged a late fee. They charged me a late fee, refuse to credit and can not explain the factors that would allow them to credit nor why they refuse to credit my late fee of {$29.00}. Had the nerve to offer my payment options as if the account is not getting paid vs simply crediting the late fee for a good customer
Product: Student loan

This private student loan is listed as " charged off '' on my credit report, but is no longer held by XXXX XXXX. It was apparently sold by XXXX XXXX to Navient. Navient claims they sold it to a third party and have no records since XX/XX/2008. I can't figure out who has it.
Product: Credit reporting, credit repair services, or other personal consumer reports

On Saturday XX/XX/XXXX I called XXXX XXXX to make a payment for XXXX 's payment as it was due before XX/XX/XXXX on Monday as it would be consider late. The lady said I qualified for a payment deferment and I said great and next payment would be due XX/XX/XXXX. The lady mentioned she completed for XX/XX/XXXX and took payment for the interest. I had ask the lady that if my payment is due on the XXXX would it be considered late. She said no since I did the deferment on the XXXX and took payment for the interest ( which came out of my account on the XXXX ). On the XX/XX/XXXX I received a alert from XXXX XXXX that I was 30 days pass due on my XXXX. I called right away to XXXX XXXX and asked them why this was done. They said they see that the deferment was done on the XXXX but the interest payment was taken out after the due date so it's considered late. They said to dispute with their department and I did but they did not see a dispute???? I asked the lady who made the payment deferment and she assured me since it was done on XX/XX/XXXX it would not ( which I trusted since it was before the date needed to be made ). This is an error on XXXX and customer service rep who seems as they did not know their process on payment deferment. Or I would of just made my payment on XX/XX/XXXX if that was the case. Please remove lates for all three credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1500.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 
-- CLOSED ACCOUNT -- 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$1500.00} -This is not my account. 

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$9000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 
-- CLOSED ACCOUNT -- 1. XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$9000.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called XXXX  onXX/XX/XXXXand spoke with XXXX. I advised him that my credit card was not reporting on my credit and asked to dispute inquires on my report. He advised me that he could not do anything about either. My Capital One account is not reporting on my XXXX  report, it is on all the other credit reporting agencies. XXXX  is the reason that I spent months getting my card reactivated as they said I reported it as fraud, which was never the case. Finally after I got that fixed they stated they would put it back on my report, however that has not occurred for a year now. I want my report to be accurate and XXXX  is failing to do that. When I reported this to them they said that would be up to Capital One but all other agencies are reporting it.
Product: Checking or savings account

I have not been able to access my bank account at Bank of America for the entire day today, XX/XX/year>. 

According to the bank telephone representative, and to the news media, other clients are also unable to access their Bank Of America accounts. 

Bank of America has not been transparent in communicating the outage to customers, nor have they given any indication of when our funds would be available. 

I have bills to pay, that can not be paid because I can not access my accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed the account because I noticed it was on my credit report and I did not authorize this account. To dispute this account, I mailed a dispute letter, a copy of my FTC report for identity theft, a copy of my police report for fraud/impersonation/identity theft, 3 forms of personal identification ( copies of my driver 's license, my social security card, and one of my recent bank statements from the past 3 months ) along with a copy of the page of my credit report ( s ) on which the account was listed, in an envelope sent to the creditor of the account and I also put copies of the same documents in envelopes sent to all three credit bureaus ( XXXX, XXXX, and Transunion XXXX via USPS certified mail with return receipt, this was more than 60 days ago. The creditor and the credit bureaus have not mailed me a notarized contract with my signature on it within their 30-day allotted timeframe allowed by the FCRA ( Fair Credit Reporting Act ) to validate the account, and thus the account must be immediately deemed invalid, fraudulent, and not my liability, and it is hereby illegal for the credit bureaus and creditors to report this account on my credit report because the account was not validated within the required 30-day timeframe, and so the solution to my complaint is for the credit bureaus and for the creditor to immediately delete this account from my credit report. If the creditors and credit bureaus do not do this, I have the power and the evidence to sue them and win {$10000.00} due to the illegal credit reporting acts that they have committed which continue to harm my credit worthiness and access to financial wealth-building opportunities such as loans for real estate purchases. 

The account was already charged off as well so the creditor does not even have the right to report information about this account since they charged off the account to a collections company. 

The information for this account listed on my credit report is : XXXX XXXX XXXX, BALANCE {$1800.00}, OPENED XX/XX/2019, ACCOUNT XXXX
Product: Payday loan, title loan, personal loan, or advance loan

I applied for a loan based upon a pre-approval offer on XXXX from BestEgg online marketplace. I was advised I was approved pending verification of my identity. I submitted a true and legal copy of my California Drivers License, which in fact was approved and verified by the representative on the phone. ( Of which I spent XXXX minutes with ) I was told the information was fine and that a final review would be done and loan processed. Within minutes I received a decline letter stating that I was declined due to not being able to verify my identity and information was from XXXX. I immediately contacted XXXX and advised them of the circumstances. I was told that that was not the case and that companies like BestEgg just throw in wording on their decline letters and then refer customers to XXXX. 

I attempted to contact BestEgg Verification department to get more info. I've been sitting on hold for almost XXXX hours now waiting for someone to get me more information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im a natural person, I am a living human being, I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand that the accounts listed below be remove because According to 15 USC 1681 : I have the right to privacy and did not give Equifax the rights to furnish these accounts. 

Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX-
Product: Debt collection

I have tried to dispute this debt as it is not mine as I have no knowledge of it nor did I authorize it and it was opened without my consent and fraudulently. I have requested it be removed XXXX times to no avail and have also frozen my credit so nothing else like this would happen to me again.
Product: Checking or savings account

I mailed an XXXX to Penfed Credit Union over a week ago. Each time I call I get the runaround regarding my deposit into my checking account. I was told last week the funds would be deposited into my account. I have Covid-19 bills to pay along with rent and have received a 3 day notice. Since the check has been issued by my attorney we plan on taking the case to Federal Court if not resolved today.
Product: Debt collection

I requested debt of validation numerous times.they responded with medical records, a DIRECT violation of HIPPA regulations. Not only did these documents have procedures and/or medication received, it also contain my SOCIAL SECURITY NUMBER with NO security measures taken. I NEVER signed a HIPPA form authorizing access to any of my medical records.
Product: Debt collection

They take it out of my paycheck as a wage attachments. They say I owe over XXXX dollars.
Product: Payday loan, title loan, or personal loan

There was a loan taking out in my name i wasn't aware of until it showed up on my credit and i start receiving letters saying that i need to pay them. This is not me i didn't apply for no loan. I spoke with someone concerning this matter and asked how were the funds delivered and they stated into a banking account. When i asked what was the name of the account i never heard of it, I don't even bank with the bank name that was given to me. She also stated that the loan was being paid back then the person just stopped making payments on the loan. So now i am here trying to resolve this matter so it can be taking off my credit and to clear my name.
Product: Debt collection

An account was opened in my name to which I had reported to the company itself and the ftc. The company in question is refusing to remove my name from the account because they feel I wasn't a victim of identity theft even after I explained the details of how any why it happened, they in turn notify me that that im still being held responsible. I lost my pocketbook that contained my wallet, keys, phone etc. My information was used to create accounts, my debit card was used for purchases as well. No police report was made because they didn't feel a lost bag was anything to report. It wasn't lost in result of a crime ( being stolen ) from what I was told and they can't help with identity theft. 

I wrote 2 affidavits regarding this and sent it to them, they're rejecting both because it's not from their website. I explained I do not have a printer to print 8 pages, notarize it and mail it out but that all the question asked on their form was addressed. They just referred me back to print out forms from their website.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Equifax regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

Nature of Complaint : I submitted a dispute to Equifax disputing a late payment reported by XXXX XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : I made my payments on time. The payments were due on the XXXX of each month, and both payments were submitted on the XXXX of the respective months. I have included bank statements and payment confirmations to verify that the payments were made before the due dates. 
There appears to have been an internal error by XXXX XXXX, where the payments were not correctly processed or credited to my account on time, leading to these inaccurate late payment reports. 
Additionally, no notification or communication was sent to inform me of a late payment, which further supports that the reported delinquency is in error. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Equifax has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being.

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX
Product: Debt collection

I would receive multiple phone calls at the end of the year closer to the holidays and tax season, but when I returned the calls I would get a voicemail or they would say theyre closed and would give the hour of operation and I would be within that time frame. Ive submitted 2 or 3 get in touches on their website, to try to get in contact with someone but havent been able to reach a real person. I have tried to dispute with XXXX XXXX but not getting any response and furthering that no solution. 

Called this number XXXX The Contact Us form is what Ive filled out anytime I havent been able to reach someone.
Product: Bank account or service

I have had my account open for roughly 3 months. In that time, I have had roughly XXXX overdraft charges with a majority of them due to the bank 's way of routing the debits timing and what is made available or not. There is no doubt they make available smaller amounts to induce small debits, especially through the weekend and then charge {$36.00} for every XXXX of the debits done believing there were funds available ... which there were hence the transaction allowed to be completed.