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

Barclay Credit Card Company charge me a {$37.00} late fee even though they received the payment on the due date. The payment was sent by my bank through electronic banking on XX/XX/XXXX it was due on XX/XX/XXXX and the Barclay Credit Card Company representative informed me they need an extra 24 to 48 hours to process a payment and that even though it was sieved on the XX/XX/XXXX there's still a late fee because they have not had time to process it. They review the account and confirmed they had received it on due date and said they would waive and reverse the {$37.00} late fee on the next bill, due to that fact ... then I was a week later receiving this letter stating that they improperly reported it to the credit bureau and lowered my credit standing along with my credit line. 
I have never missed a payment with them, payment has always been made on time on the due date for several years since I've had the card. They are now charging customers late fees even if they received the payment on the same day.
Product: Credit card or prepaid card

The company closed the account after conditional payment was made according to the policy of the company. This is a blatan violation of my rights as a consumer in regards to the handling of the account. No consent was given to close the account and non acceptance of the instrument sent for payment is interfering with commerce and is also a cause for discharge of the obligation. 

This is a direct discrimination against me from this company. It is imperative that actions like this from financial institutions do not go unpunished.
Product: Prepaid card

I received an Amex eGift Card. This includes an email You have received an American Express eGift Card from XXXX. And on there I clicked the link to validate and print the card, which loads on XXXX XXXX XXXX XXXX XXXXaccount and shows a balance. I attempt to use this on XXXX, XXXX XXXX and XXXX XXXX at a smaller merchant at several different amounts. And the transaction is declined. Many people have reported having this problem starting this past year.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion has discriminatory practices against women. I attempted to check the status of my transunion credit report freeze status because I am trying to secure financing for a mortgage. I was married last year and both my ID and Social have been updated to my new last name. I attempted checking the status withy my legal name, social security number, and address that I have lived at for the last 6 years. I was not granted access to the information, and was told I would need to contact support. I did, and they told me that I would have to reconcile my report between my former and married name. Not only can I not access my credit report with my legal name, I can not freeze my account to protect myself until I send a paper copy of my ID ( despite the fact that my social security record has been updated ) in by mail ( a process that two agents have said takes 12 days to receive and process ). This policy disproportionately and negatively affects women as approximately 80 % of women change their name when they marry and only 3 % of men change theirs. I asked them if there was any other way to do it and they said mail was the only way. Now there will be a delay in the financing I am trying to secure, which in this market can mean the loss of a home. Additionally, I cant protect my credit report until they process the update.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  is showing negative payments and actually reported negative on XX/XX/XXXX, I filed Ch XXXX Bankruptcy in XX/XX/XXXX. This is against the law.
Product: Credit reporting or other personal consumer reports

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

PORTFOLIO RECOVERY ASSOCIATES has engaged in collection activity prior to validating a debt and has not submitted any documentation to support your claim. 


I have no idea who PORTFOLIO RECOVERY ASSOCIATES is or who they represent. This company entered a collection on my credit report without notifying me or contacting me regarding what this debt was about. I have never had an account with this company or anyone they claim to represent. PORTFOLIO RECOVERY ASSOCIATES is indicating that an account with the account number XXXX was opened with their company in XX/XX/2018. I never opened an account with them or anybody else. This account must be a result of identity theft or someone opening an account in my name using my identity. I have no knowledge of this account nor did I give anyone permission to open an account with my name. I have requested to receive notarized validation from PORTFOLIO RECOVERY ASSOCIATES via certified mail RR # XXXX XXXX XXXX XXXX XXXX and the company has ignored my request. 

When a debt collector engages in the collection of DEBT they must provide copies of the following items : 1. Provide a certified copy of the complete credit application that debtor signed to secure the credit with your entity. 

2. Provide signed verification of each transaction that is part of the alleged cumulative debt. 

3. Provide the contract or other instrument through which [ Alleged Creditor } authorized PORTFOLIO RECOVERY ASSOCIATES as third-party collection agent. 

4. Provide a true and correct copy of the instrument by which [ PORTFOLIO RECOVERY ASSOCIATES } was authorized as a mixed-ownership government corporation with authority to hypothecate credit of the United States ( 31 U.S.C. 9101 ).

5. Provide the delegation of authority from the Director of the Office of Management Budget to PORTFOLIO RECOVERY ASSOCIATES, that authorizes your company to settle accounts of the United States ( Public Law 104-316 ).

6. Provide the Certified Assessment Certificate. 


Violation ( s ) : XXXX Failure to provide a notice prior to reporting negative information to a credit reporting agency ( CRA ).

* Failure to provide a notice within 30 days after reporting negative information to a credit reporting agency ( CRA ). 
* Failure to provide an Opt Out Notice. 
* Failure to disclose as required by federal law mandatory information in their Privacy Policy notice. 
XXXX Sharing Non Public Information ( NPI ) without providing an Opt Out Notice
Product: Debt collection

It has come to my attention that there are errors on my credit report. The account number XXXX XXXX XXXX XXXX amount XXXX usd. I am demanding the proof be provided that these accounts are in fact mine or removed. Simply verifying that names, addresses and/or Social Security numbers match is insufficient. That s what fraud is, using information belonging to someone else to obtain credit. DO NOT tell me I need to file a police report, as there is no requirement to do so under the Fair Credit Reporting Act. Is your obligation under the FDCPA to prove it or remove it. In XXXX Vs XXXX XXXX XXXX XXXX XXXX, the courts said, during a dispute and subsequently investigation, with the original creditor, collector, or a credit bureau, that the original creditor or collector must provide account level documentation. 
That means an original contract, or similar proof, not just a printout of the payments that were made. I am also notifying you that pursuant to 15 USC 1681 ( a ) that you should be aware that information furnishers have lost number suits and are unreliable I will wait the appropriate time as prescribed by law at which time I will proceed to protect my good name and avail myself of any and all legal rights, including but not limited to look at auction.
Product: Student loan

For years my student loan payments were on automatic draft from my bank account. Suddenly they were n't able to draft the money eventhough none of my information changed. I contacted them to see if maybe a digit was off, I aslo went in to my bank where I was informed there had been no attempts to draft any funds from my account. After going through this for several months and late fees and NSF fees that were never returned I changed the method of payment. Still my phone continued to ring month after month and my co-borrower was being contacted eventhough the payments had been made up-to-date. To make matters worse they also charge to make a payment over the phone which after much complaining from me was waived.     Company : Navient/ XXXX   XXXX
Product: Debt collection

I sent a debt verification letter via certified mail on or about XX/XX/XXXX. Elevate Recoveries received and acknowledged said letter on XX/XX/XXXX. It has been 30 days and I have not received and communication in regard to the debt being verified. I would like to request a debt deletion letter.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlight multiple issues with the service. Despite using Zelle often and reporting discrepancies my financial institute and Zelle failed to investigate my claims adequately. They informed me that the recovering lost funds was impossible and that tracking these transactions wasnt feasible.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, my name is XXXX. I received a phone call from a debt collector a few weeks about attempting to close an account for non payment. They were really rude and disgusting and threatening me. I informed them I had no clue what they were talking about, as I did not open any accounts with them. After this phone call. I found out that there are more accounts and that I am a victim of Identity theft. I couldn't believe that someone would do this to me. I am a single dad, I loss my wife earlier this year after the birth XXXX XXXX XXXXXXXX XXXX  and things have been really tough for me XXXX XXXX XXXX and to find out I have this now on my list is really heart breaking. I contacted the company about these accounts and they have not deleted these items. I am asking that you please deleted these items off my credit report. I did not make the charges.
Product: Credit reporting or other personal consumer reports

Capital One financed a vehicle that came from XXXX  XXXX near XXXX TN. The vehicle was supposed to be returned and the account was to be closed due to being purchased under false pretense. Capital One stated that if reported within 30 days they would investigate and take action. The car company used Capital One because they get {$1000.00} back if the loan stays open for 90 days. Capital One was notified on the XXXX day that the vehicle was inoperable and would require a new motor and transmission which would require an additional {$15000.00}, well above the loan value of the vehicle. The additional warranty that was purchased was refunded because of the severe problem happening before the 30 day resting period. The problem was determined to be preexisting and should not have been sold. Capital One did nothing, and now my report reflects their negligence in the matter.
Product: Credit reporting or other personal consumer reports

I HAVE PROVIDED THIS COMPANY WITH SEVERAL FTC REPORTS AND POLICE REPORTS SHOWING THAT I AM A VICTIM OF IDENTITY THEFT. 
I HAVE ALSO PROVIDED PROOF THAT I AM WHO I SAY I AM, BY WAY OF MY PASSPORT ID, ALONG WITH MY PROOF OF ADDRESS. THIS COMPANY HAS CONTINUED TO IGNORE MY CLAIMS RESULTING IN ME FILING FOR A LAWSUIT. THE FRAUD ACCOUNT IN QUESTION IS ( XXXX XXXX ) THEY HAVE VIOLATED MY CONSUMER RIGHTS FOR YEARS & HAVE NEGATIVELY IMPACTED MY LIFE. THIS COMPANY HAS IGNORED MY REQUESTS, ALTHOUGH I HAVE PROVIDED PROOF OF IDENTITY, A POLICE REPORT, FTC REPORTS, AND FILED A CFPB COMPLAINT PREVIOUSLY. I HAVE SINCE FILED AND WON A LITIGATION AGAINST XXXX FOR THEIR SIMILAR MALICIOUS TACTICS NEGATIVELY IMPACTING MY LIFE. I HAVE REACHED OUT TO EQUIFAX MULTIPLE TIMES AND EXPLAINED THAT THEY HAVE BROKEN THE LAW BY REPORTING THESE FRAUDULENT ACCOUNTS ; FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that these accounts must be removed within XXXX Business Days of receipt. ON XX/XX/ I SPOKE TO A REP AND SHE TOLD ME THAT THEY HAVE PREVIOUSLY REACHED OUT TO THE COMPANIES IN QUESTION AND THAT EQUIFAX DOESN'T DELETE ACCOUNTS OVER THE PHONE WHICH IS A LIE BECAUSE THEY HAVE DONE SO IN THE PAST. THE FCRA STATES THAT NO ITEM CAN BE REPORTED ON MY CONSUMER REPORT WITHOUT VALIDATION AND/OR MY PERMISSION. SO THAT IS ALSO A VIOLATION OF MY RIGHT TO PRIVACY. I HAVE NO CONTRACTS WITH THE ACCOUNTS LISTED ON MY FTC ( XXXX XXXX ). I HAVE REACHED OUT TO XXXX XXXX AND REQUESTED A WET SIGNATURE OR ANY PROOF COLLECTED TO VERIFY IT WAS ME WHO REQUESTED TO OPEN AN ACCOUNT WITH THEM ; THEY HAVE NOT BEEN ABLE TO PROVIDE ANY EVIDENCE ; WITH THAT BEING SAID, WHAT INVESTIGATION IS BEING DONE BY EQUIFAX? IF THE COMPANIES THEMSELVES HAVE STATED THAT THEY DO NOT HAVE ANY PROOF? I SENT ANOTHER FTC REPORT, POLICE REPORT AND A LETTER TO EQUIFAX ON XX/XX/23. AND ON XX/XX/23 I RECEIVED A LETTER STATING THAT MY FTC REPORT WAS " NOT VALID '' BECAUSE OF MISSING INFORMATION, WHICH IT WASN'T. HOW COULD IT BE " MISSING INFORMATION '' IF I FILED IT ON FTC WEBSITE? THIS COMPANY IS COMMITTING BLATANT FRAUD. AND I AM SEEKING NON-MONETARY AND MONETARY COMPENSATION FOR MY DENIED CREDIT APPLICATIONS. I HAVE ALSO BEEN NOTIFIED BY EQUIFAX THAT MY INFORMATION WAS COMPROMISED FROM THEIR OWN DATA BREACH AND HAVE NOT RECEIVED COMPENSATION.
Product: Credit card or prepaid card

ATTENTION DISPUTE DEPARTMENT XXXX, XXXX SOC SEC # XXXX DOB XX/XX/1994 ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX WFXXXX XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by  identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt  requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.

The reference items are listed below please take this matter very serious WF/XXXX XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the Southern District of XXXX Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XX/XX/1994 ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Product: Credit card

I was contacted XXXX central time on XX/XX/2023 from my mom that she was being contacted by Bank of America XXXX there was a flagged suspicious application in my name. The fraudulent applicant put my mom 's number in the application. I was put on a 3 way call to cancel the application as well as put in a request for the copy of the application which can take 7 days to receive the request form and up to 30 days to receive the copy of the application. I was advised I would need to contact the credit bureaus ( XXXX, XXXX, and XXXX ) where there was a hard inquiry to my credit from Bank of America. I was able to have the hard inquiry removed from my credit and have gone down the avenues to be put on an initial credit alert for the next year, as well as, put my credit on freeze with all 3 bureaus, but I need to supply the bureaus with an FTC report/CFPB report in order to be granted a 7 year credit alert.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX California XXXX Date of Birth : XX/XX/XXXX SS # : XXXX To Whom It May Concern, I hope this letter finds you well. I am writing to file a formal dispute and request the Consumer Financial Protection Bureau 's intervention regarding recent unauthorized credit inquiries and violations of consumer protection laws. I believe my rights under the Fair Credit Reporting Act ( FCRA ) have been violated, and I am seeking resolution to this matter. 

Below, I outline the unauthorized inquiries and the specific violations of the FCRA : Unauthorized Credit Inquiry by XXXX Creditor : XXXX Date of Inquiry : XX/XX/XXXX Violation : Unauthorized Credit Inquiry Relevant FCRA Section : Section 604 - Permissible purposes of consumer reports I have no recollection of ever authorizing the credit inquiry made by XXXX on XX/XX/XXXX. This inquiry was conducted without my knowledge or consent, and it has raised serious concerns about the security of my personal financial information. 

As a diligent individual who takes my financial responsibilities seriously, this unauthorized intrusion into my credit history has caused profound distress. The violation of my privacy undermines the trust I have in the financial system and jeopardizes my financial well-being. 

To provide a more comprehensive understanding of the impact this violation has had, I would like to share a personal story that underscores the significance of accurate credit reporting. A few years ago, I faced unexpected medical expenses that led to a temporary financial setback. However, I took proactive steps to address these challenges, working directly with my creditors to establish manageable payment plans. Despite my commitment to financial recovery, the unauthorized inquiry now threatens to undermine my progress. 

In light of these violations and their emotional toll, I kindly request that the Consumer Financial Protection Bureau enforce my legal rights under the FCRA. Specifically, I request that you investigate the unauthorized credit inquiry made by XXXX on XX/XX/XXXX, and take appropriate action to rectify this situation. 

Furthermore, I am troubled by the presence of unverified accounts on my credit report. These accounts lack proper verification and inaccurately reflect my financial history. I kindly request that the relevant creditors remove these unverified accounts from my credit report to ensure its accuracy and fairness. 

I deeply appreciate your attention to this matter and your dedication to upholding consumer rights. I kindly request that you keep me informed about the progress of this dispute and any actions taken to resolve it. Please feel free to reach out to me via the contact information provided above. 

Thank you for your time and consideration. 

Sincerely, XXXX XXXX
Product: Debt collection

I received a voicemail that didn't state it was an attempt to collect a debt in this voicemail. XXXX stated that she needed information " before I move forward ''. 
I have never received any letter or any information from them until this voicemail. They've never left a message until today. 
I called the company, Chainlink Services and they said they had a loan of mine. I explained my situation, that I've been out of work for 2 years, and instead of trying to work with me, XXXX was rude and said, " Well I'll just send it off to the creditor as a refusal '' I said I wasn't trying to refuse, I just need some help. She put me on hold and then a man came on, XXXX. He was condescending. Making me feel so cheap and belittling me. He asked about my address, then pulled up information on the place I am staying, family is paying the rent, and read me off the name of my landlord and the mortgage on the property. He had pulled up my social media information as well. 
They were so rude, threatening to send it off to the creditor as a refusal. They aren't willing to work with me on a payment I could afford. They're giving me until Friday and then sending it off. Their tactics were horrendous. This company needs to be looked into.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX XXXX XXXX  had submitted to XXXX  and Transunion that my mortgage is in forbearance/deferment. Under the Cares act my credit score should not have changed. However due to this remark both my XXXX  and Transunion scores dropped more than 40 points. I contacted both credit bureaus to let them know that my score should not have dropped for the remark from XXXX XXXX. Both companies have replied back to me saying that they do not agree w/ my statement.
Product: Checking or savings account

Had some unauthorized transaction credited to my PayPal account Instantly reported these transactions asking for full amount to be refunded back to account as to be expected the account became limited status till investigation of transactions were resolve and a full refund was pending and account limitations lifted but still no access to the funds returned after waiting for pending balance to deposit I reserved email from PayPal saying account limitations were lefted to full access so I figured the money would be to but shortly after that email I reserved one from them say my account was permanently limited and said I would not be able to use there services anymore All I want is the available balance withdrawal out but I guess there is a hold on it and will receive a email from them in 180 days But times are tough all over I need that money to live
Product: Credit reporting or other personal consumer reports

My identity has been theft. My address was changed XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX to another address which is never mine XXXX XXXX XXXX XXXX XXXX XXXX. 
My credit card was used unauthorized, but have reported to the bank involved. 
Am afraid that my information has been hacked and I dont want any credit to be issued using my info fraudulently. 
Thank you.