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

The Fair Debt Collection Practices Act ( FDCPA ), Pub. L. 95-109 ; 91 Stat. 874, codified as 15 U.S.C. 1692 1692p, approved on  September 20, 1977 ( and as subsequently amended ) is a consumer protection amendment, establishing legal protection from abusive debt collection practices, to the Consumer Credit Protection Act, as Title VIII of that Act. The statute 's stated purposes are : to eliminate abusive practices in the collection of consumer debts, to promote fair debt collection, and to provide consumers with an avenue for disputing and obtaining validation of debt information in order to ensure the information 's accuracy. [ 1 ] The Act creates guidelines under which debt collectors may conduct business, defines rights of consumers involved with debt collectors, and prescribes penalties and remedies for violations of the Act. [ 2 ] It is sometimes used in conjunction with the Fair Credit Reporting Act. [ 3 ] [ 4 ] Type of Business Date of inquiry XXXX XXXX XXXX - XX/XX/XXXX XXXX  XXXX XXXX XXXX Auto Dealers, New XX/XX/XXXX Experian XXXX XXXX Automotive XX/XX/XXXX XXXX   XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX Auto Dealers, New XX/XX/XXXX Experian XXXX XXXX Automotive XX/XX/XXXX XXXX XXXX Travel/Entertainment   XX/XX/XXXX XXXX XXXX XXXX XXXX Equipment Rentals/Leasing XX/XX/XXXX Experian XXXX - XX/XX/XXXX XXXX  XXXX XXXX Truck Dealers XX/XX/XXXX Experian XXXX Leasing and Rental Reseller XX/XX/XXXX Experian XXXX Miscellaneous XX/XX/XXXX XXXX XXXX XXXX XXXX Truck Dealers XX/XX/XXXX Experian XXXX - XX/XX/XXXX XXXX  XXXX XXXX Auto Financing XX/XX/XXXX Experian XXXX - XX/XX/XXXX XXXX   XXXX - XX/XX/XXXX XXXX  XXXX XXXX - XX/XX/XXXX XXXX  XXXX XXXX Auto Financing XX/XX/XXXX Experian XXXX XXXX - XX/XX/XXXX XXXX  XXXX XXXX  Credit Report Brokers   XX/XX/XXXX Experian XXXX XXXX XXXX Truck Dealers   XX/XX/XXXX Experian XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX  XXXX Mortgage Reporters XX/XX/XXXX Experian XXXX Miscellaneous XX/XX/XXXX XXXX   XXXX XXXX  XXXX Tenant Screeners XX/XX/XXXX Experian XXXX XXXX XXXX  XX/XX/XXXX XXXX
Product: Credit card

I purchased a desk and a chair from relax the back XXXX a little over XXXX years ago, it was on a 0 % promotional credit card. The agreement was essentially that i would pay off the card in full within XXXX years and then not be charged any interest. 

I set up payments to be drafted from my account and in my mind it was done in a way where it would be completed in the XXXX year timeframe. There was around {$500.00} left on the payment prior to the XXXX year time frame. 

Everything was auto drafted and all emails from synchrony went to my gmail which i did not ever check. I recently noticed the amount due seemed higher than normal and when i logged in i realized that they charged me $ XXXX in interest just bc i didnt pay off the remaining {$500.00} roughly in time. 

If i had known this was going to happen i would have absolutely paid it all of. I have a perfect credit score, I have plenty of disposable income, I paid every payment on time. My understanding of the loan was that if i didnt pay it all off on time then i would just be subject to a high interest rate on whatever was left. It seems like an extremely unfair punishment to charge someone {$2000.00} interest on {$500.00}. 

I have called and tried to settle with XXXX different managers at Synchrony and none of them were willing to accept my offer to pay off the principal and waive the interest.
Product: Checking or savings account

I opened a Capital One account three weeks ago, and now they have completely restricted my access to my funds without a valid reason.

They blocked my checking, savings, and credit card accounts.

They are forcing me to give my Social Security number over the phone to verify my identity, even though I already provided my complete information when opening the account.

I can not access my own money, and customer service is unhelpful and rude.

I requested to close my account, but they refuse to let me do so unless I unrestrict it firstwhich they will only do if I give them my SSN over the phone.

I followed all proper steps to open my account, and now Capital One is unfairly blocking me from my funds.

I am requesting immediate access to my funds and the ability to close my account without further unnecessary delays. Capital Ones practices are unfair, unreasonable, and causing me significant stress and hardship.

I need this resolved immediately.

Thank you. 
XXXX XXXX
Product: Checking or savings account

On XX/XX/XXXX, acting upon a publicly advertised offer on us.hsbc.com, I applied for a new HSBC Advance checking account. I was promised a {$350.00} welcome bonus ( terms attached ). By XX/XX/XXXX, I had satisfied all the terms of the offer. Shortly after that, I contacted HSBC via XXXX. The reply I received from them was addressed to a different person, was not written in proper English, and had little sense. Therefore, I had to make a call. The representative I spoke over the phone in XXXX  confirmed that all the terms are satisfied. However, she advised me that I had wait eight weeks for the bonus to post. The eight weeks ended on XX/XX/XXXX. Since then I have talked to at least twelve different representatives trying to determine the status of the bonus. Their explanations evolved over time. First, they stated that the new money was was supposed to be deposited to a checking account, while I deposited them into my savings account. That reason failed, since the terms clearly state : " deposit ... in combined checking and savings accounts ''. Second, they told me to wait until the end of XXXX. That reason failed as well. The terms clearly state : " You will automatically receive ... eight weeks after completing all qualifying activities. It's that simple. '' Third, they claimed that my savings account was supposed to be opened after my checking account. Not so. I applied for both accounts on XX/XX/XXXX. The application for the checking account was submitted at XXXX. The application for the savings account was submitted 9 minutes later, at XXXX. Regardless, the terms only exclude customers who had an account " from XX/XX/XXXX through XX/XX/XXXX ''. I had no HSBC accounts before XX/XX/XXXX. Lastly, they indicated that they had no record of any promotion on the account. That assertion is simply laughable. Both XXXX  and phone agents were able to verify the terms of the promotion and confirmed that they were satisfied. In addition, I have a copy of the webpage with the offer that I took when I applied as well as the terms of the promotional offer that I downloaded when I applied. I believe that these repeated attempts to come up with multiple frivolous reasons are racially motivated. A bank acting in good faith can not be that unprofessional. Instead, I suspect that they target customers with Hispanic sounding names assuming that they would rather give up than follow up on the promise. Based on my recent experience, I strongly believe that if a regulator requests a sample of all denials over the last three years, they will see that denials of bonuses or other benefits for customers with Hispanic last names are statistically more likely. This evidence would establish a prima facie case of disparate treatment and racially motivated discrimination.
Product: Credit reporting, credit repair services, or other personal consumer reports

Theres a collection account on my consumer report that 1. isn't mine 2. Violates my rights .... I have reached over to the collector, and 3 bureaus to resolve this matter for about a year now and they've done nothing. 

in accordance with the Fair Credit Reporting Act XXXX account # XXXX has violated my rights 15USC 1681 section 602A states I have a right to privacy .....

also 15USC 1681 section 604A section 2 states a consumer reporting agency can not furnish an account without my written instruction and/or approval
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been battling with Equifax for well over 5 months trying to get these inquiries that I do not recognize removed. I was notified that I first was part of the Target information breach and then XX/XX/XXXX I was part of the 2nd Equifax Breach over and over I get some one that does not speak English being condecinding and rude when I am trying to resolve the issue that was not my fault in the first place it was their system since someone hacked it I am now just trying to remove what I did not initiate. Not all Inquiries are false I have provided the ones below that I do not recognize. You can definitely admit 40 is excessive that is crazy my other reports dont have 42 and i do not have that many accounts and if they check their records i have faxed multiple dispute requests, called multiple times and I have also attempted their protocol and reached out to each of the 21 of the Inquiries are not mine. When I called the creditors like Equifax told me to do they have no record of my initiation of requesting credit on the dates the inquiries are on my credit and they atre on my credit ran multiple times sometimes 2 times with in the same day. So going back and fourth is getting me no where I can 't dispute something nobody has record of yet Equifax considers it factual yet never validated any part of that record.

27 Inquiries I have no Knowledge of : 1. XXXX XXXX on XX/XX/XXXX 2. XXXX XXXX XX/XX/XXXX 3. XXXX XXXX XXXX XX/XX/XXXX 4.XXXX XXXX XXXX XX/XX/XXXX 5. XXXX XXXX XXXX XX/XX/XXXX 6. XXXX XXXX XXXX XX/XX/XXXX 7. XXXX XXXX XXXX XX/XX/XXXX 8. XXXX XXXX XXXX XX/XX/XXXX 9. XXXX XXXX XXXX XX/XX/XXXX 10. XXXX XXXX XX/XX/XXXX 11. XXXX XXXX XX/XX/XXXX 12. XXXX XXXX XX/XX/XXXX 13. XXXX XXXX XX/XX/XXXX 14. XXXX XXXX XX/XX/XXXX 15. XXXX XXXX  XX/XX/XXXX 16. XXXX XX/XX/XXXX 17. XXXX XX/XX/XXXX 18. XXXX XXXX  XX/XX/XXXX XXXX 19. XXXX XXXX  XX/XX/XXXX 20. XXXX XXXX XX/XX/XXXX 21. XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I attempted to resolve this with the agency and was advised to do what I need to do. 

They posted this account all XXXX  with the incorrect date which even if corrected is still in violation of the FCRA as it impacted a credit decision. The XXXX  are also in violation of FCRA for recklessly reporting this account. 

The agency is attempting to re-age a debt that if in fact is mine is nearly ( 6 ) six years old.

My initial request was to just have them remove this from the XXXX without seeking damages. I am now requesting that XXXX  remove these accounts from XXXX.
Product: Credit reporting or other personal consumer reports

Older Accounts that are stilll there Closed accounts
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 7th letter that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any account which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 


The following account need to be removed as they are fraudulent. 

XXXX XXXX XXXX XXXX Date Opened : XX/XX/2013 Balance : {$4500.00}. 

If you claim this account is 100 % accurate and verifiable, then I need you to provide me with copies of any documentation associated with this account which bears my signature, as I believe none exists. When you find no signed agreement bearing my signature I need you to remove these accounts from my file. 

Please note Im sending this letter certified to protect my rights. Ive researched online that you make a habit to not comply with the above listed FCRA statute. If you choose to ignore my request to block these accounts I will be referring this matter to my attorney for further action. Please do not make this a litigious matter
Product: Checking or savings account

On today if XXXX  XXXX 2022 I was supposed to receive my check from my job which is XXXX but it was sent to the wrong direct deposit I made sure it was the deposit I wanted they sent it to an account which I can't access i.e. chime banking I tried unlocking the account I tried calling customer service emailing etc and when I call they hang up after a while the requirements are i.d . social and proof of address I sent them a pdf of my lease of the apartment that I live in it even says they accept PDFs but for some reason they won't unlock my account and let me get my money I am struggling and I need to pay my bills if I don't get this situation resolved I will be homeless.
Product: Credit reporting or other personal consumer reports

Account Name XXXX Account Number XXXX Account Name XXXX XXXX Account Number XXXX RE : Inaccurate Credit Reporting ( 15 USC 1681s2 ) To whom it may concern, I am writing this letter to inform you that I have notified the credit bureaus of misreporting by your company in accordance with the Fair Credit Reporting Act. According to which, as the furnisher of the information in question, you have a grave responsibility of maintaining the accuracy of that information. The following account ( List name and number of account ) is reporting a balance of ( enter balance amount ) when it is my understanding an reason to believe that because this debt was charged off by you that is was memorialized with a Form 1099C as proof or evidence thereof. And that because of that fact, this debt is cancelled and at least should not reflect the balance that is currently showing of ( enter balance amount ) on my consumer file. This would indicate inaccurate reporting on your behalf and therefore is a violation of the FCRA by you the furnisher to continue to report this inaccurate information. Especially with the actual knowledge, notice and confirmation of the errors. Please provide me with the return of the time and form as prescribed by regulation or the Secretary of my name, my address, my TIN, the date, and amount of the discharged/charged off debt and any other information as prescribed by the Secretary. If not, then I would demand that the account be removed from my credit report completely to avoid any legal recourse or action on behalf of myself by retained counsel. Thank you for your time and consideration in this matter. I look forward to hearing a favorable reply. Please forward any correspondence or changes to my credit report to the address listed above. Regards,
Product: Credit card or prepaid card

Dispute case number : XXXX Transaction date : XXXX XXXX, XXXX  Merchant name : XXXX Disputed amount : {$4900.00} This order was received on XX/XX/2021 tracking number XXXX. 

The item was received damaged and turned out to be a counterfeit XXXX  product. 

The title of the listing was advertising as a XXXX XXXX when the item that was received turned out to be a XXXX  build with a counterfeit install of XXXX XXXX. 


I have attached the XXXX proof of delivery showing the original sender 's address. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX I requested a return label from the seller, I returned the original order via XXXX on XX/XX/2021, and the seller received it on XX/XX/2021. ( attached is the proof of delivery ) The seller has a XXXX return policy, and XXXX returned window closed on XX/XX/XXXX. 


The return was received well within the return window and I have never received a refund from the merchant. 



I disputed this with Apple Card and they are not even requesting evidence from the merchant nor are they providing me with a detailed response from the merchant or written explanation of their findings. 



there are currently multiple online incidents of Apple Cards unfair dispute process to consumers there is currently a class-action lawsuit being formed. 

XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

NEVER USE TRUIST BANK! 
Date : XXXX Actions : I'm buying a new house and the new loan was denied because of the Truist Bank wrong reporting and refused to make corrections. 
My loan was sold to Truist three month ago. I talked with Truist from XXXX to XXXX  and they kicked issues among them and could not resolve anything, and I requested to talk with management level person but every time each person kept me waiting for 24-48 hours and I never received any calls. 
My new loan officer showed me a regulation from CFPB showing that Truist violated the 60-day late payment during transfer laws. I've paid off all the dues and tried my best to negotiate with Truist, but their attitude is so horrible and not helpful. Everyone is like a robot and manager is hiding.
Product: Mortgage

I have repeatedly applied for HARP with PHH without receiving a response to the reason that I was denied. I received an approval on a loan modification XX/XX/XXXX, paid six months of payments at {$2100.00} per month with a denial coming in XX/XX/XXXX. PHH logged these payments to my account for all six months in the amount of {$2100.00} per month a difference of {$32.00} for each month on XX/XX/XXXX. I had a temporary loan modification for XX/XX/XXXX to XX/XX/XXXX in the amount of {$2100.00} for each month and a Disaster Forbearance for XX/XX/XXXX to XX/XX/XXXX at the amount of {$1000.00} for each month. My Mortgage went up from {$400000.00} to {$410000.00} instead of down the amount that I have paid from XX/XX/XXXX. PHH took one payment of {$1800.00} on XX/XX/XXXX and one payment of {$1700.00} on XXXX XXXX for property taxes that XXXX County Treasurer have never received and are charging me for this. I have paid my property taxes in full XX/XX/XXXX. I am being told that by PHH is putting my loan on a variable loan program with a cap of 4.75 % not the 3.375 % that I was approved for in XXXX and have been paying all along but can not supply any paperwork for this agreement. Because of all of this holding of payments PHH shows on my credit report that I am 90 days past due. I am being told by PHH that XXXX owns my loan. That I must take a new Trial Period Loan at {$2300.00} XXXX {$250.00} more per month XXXX with a variable loan that caps at 4.75 % instead of the 3.375 % that I have now.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this complaint in regards to the inaccurate and unknown things on my credit report. I was never late on these accounts. There are multiple errors shown in my report. Please check the date reported, date of last payment, etc. These are a good standing accounts. Please verify that all information are 100 percent true, accurate, correct, and not unverifiable, incomplete, or inaccurate. Please correct and update these accounts and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 
XXXX XXXX  XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$43000.00}.
Product: Checking or savings account

received an email this morning stating I opened an account with BECU. I called them and they couldn't give me any information because the information they used doesn't completely match mine. They won't even tell me if they are closing the account because the information used to create it doesn't match my REAL information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear CFBP This is not a duplicate complaint as it does not relate to CFBP case # XXXX. I am filing a complaint against Citi ( CBNA ) for not giving me the required documentation to file a FTC  identity theft report relating to unauthorized inquiries from my credit report. They were requested to either remove the unauthorized inquires or give me the signed application and IP address used to submit so a FTC identity theft report could be filed. Citi was informed via certified mail that they did not have permissible purpose under the Fair Credit Reporting Act as I did not apply for credit. They did not read my complaint or provide the requested documentation proving that these were in fact authorized so a FTC report could be filed. Therefore, I am requesting you to require Citi to delete these inquiries from my XXXX report or provide the required documentation for a FTC identity theft report to be filed. Thanks, XXXX XXXX XXXX
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  Account Number : XXXX has violated my rights. Or 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: Credit card

I used XXXX to apply for a Citi credit card. After being approved for an amount, it gave me the option to perform a balance transfer and add an account. I added my XXXX account number and hit submit. Then it said I was idle and logged me out. I do n't know if my mastercard information is safe. I did not get any confirmation email from lendingtree or Citi. Almost seems like a phishing scam.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX, XXXX and Experian for reporting a child support obligation on my consumer file. Child support obligations are not consumer debt and therefore can not be reported on credit reports, as per the ruling in Miller v. Trans Union LLC.
Product: Debt collection

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report : XXXX  Account Number : XXXX XXXX  Account Number : XXXX