23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I received a late fee after making a payment after XXXX on the payment date. I contacted XXXX Comenity, and they confirmed that they would remove the late fee as a XXXX time courtesy. They only removed {$XXXX} of the {$XXXX} late fee, so I responded to ask for the full returned late fee. I was told that I could only be given a late fee refund every XXXX months, though this was not a separate incidence. When I asked about this, I was told " Please be informed that the CFPB recently announced new rules for late fees. As of this time, your late fee is accurate and we are able to credit only the partial late fee. '' I asked for more information about this ruling, because I could not find any relevant information in my searches, and I was told " I can understand why you mentioned the new CFPB rule, but it has't gone into effect yet. '' I called into the customer service line and confirmed with an agent that the incomplete late fee refund was a mistake, but there was nothing that could be done to remedy the issue, as late fees could only be refunded every XXXX months. I asked XXXX to cancel my XXXX card and email me with confirmation of reason ( agent mistake ) and that the card was cancelled. The agent confirmed my email address, but I did not receive an email. I am still being charged for the late fee.
Product: Credit reporting or other personal consumer reports

Recently, I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) Billing Error : ( 4 ) The creditors failure to properly reflect on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature on a statement.

15 U.S. Code 1666b - Timing of Payments ( a ) Time to Make Payments : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement, including the information required by 1637 ( b ) ( Statement required with each billing cycle ), is mailed or delivered to the consumer no later than XXXX days before the payment due date.
Product: Credit reporting, credit repair services, or other personal consumer reports

I took out a XXXX  auto loan XX/XX/XXXX and paid it off in full XX/XX/XXXX. After XX/XX/XXXX, I entered an agreement with XXXX  that the phone rep agreed to due to Covid. It was a hard time for everyone and XXXX  agreed to follow the CARES Act Impacts Credit Reporting which states that they will not report late payments going forward during the COVID emergency on my account. Now I entered this agreement with the account as current. This agreement was to continue through the pandemic which actually just ended. I never let the car go to crazy past due and always paid but they charged me insane fees along with reporting my car late 11 times during this period. Four 30 days late, two 60 days late, and five 90 days late. XXXX  broke their COVID Agreement and I believe violated the above mentioned law and now I am paying for it on my credit. Not only is the closed account current status showing " late 30 days '' but it has those 11 late payments on it. I am struggling to get back on track because this is holding down my credit score. Since I believe XXXX  violated the COVID rules and promises to me I am requesting that either you remove the late payments and also current the current status or you delete the account from all three credit bureaus. I hope this escalation can handle this situation so there has to be no further action taken because I am not satisfied with how I have been treated
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Santander trying to remove this account from My Credit report for years they refuse. I have advised them I am a victim of identity theft and requested proof this account indeed without a doubt belongs to me and they fail to do that. The only thing they have sent me is proof of the payments made to the car which does n't prove this debt or account indeed belongs to me.i demand proof such as copy of my drivers license, passport, state issued id, social security card etc documents providing I opened this account personally. I even tried to settle this account even though I do n't owe anything to them and they refuse to remove the account even after payment. This is t correct and someone needs to put into place my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit report XXXX accounts XXXX XXXX {$820.00}, XXXX, Bankruptcy XX/XX/2016, XXXX XXXX XXXX {$720.00} XXXXXXXX XXXX {$8000.00} has violated my rights 15 U.S.C1681 section 602a stats I have the right to privacy.

15 U.S.C 1681 section 604a section 2It also stats a consumer reporting agency can not furnish a account with out my written instructions.
Product: Credit reporting or other personal consumer reports

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally file a complaint and dispute inaccurate information reported by Transunion on my credit report, which is in violation of the Fair Credit Reporting Act ( FCRA ). Attached to this letter is a copy of the specific account in question. 

Details of the Inaccuracy : Account Number : XXXX  Disputed Amount : {$220.00} Status : Collection/Charge-off Remarks : Account information disputed by consumer, meets FCRA requirements This account contains inaccurate or unverifiable information that has negatively impacted my credit report. Despite disputing this with Transunion, the account has not been corrected or removed. 

Violations of the FCRA Include : 1.15 U.S.C. 1681i ( a ) : TransUnion failed to properly investigate my dispute within the legally required timeframe. 
2.15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) : I was not provided with adequate documentation or verification proving the accuracy of this account.

3.15 U.S.C. 1681i ( a ) ( 5 ) ( B ) : If the account can not be verified, it must be corrected or deleted, which has not been done. 

Actions Requested : 1.Investigate this matter thoroughly with Transunion and credit coll 2.Provide documentation verifying the accuracy of this account.

3.Require Transunion to remove this account if it can not be properly verified. 
This issue has caused significant harm to my creditworthiness, and I am requesting the CFPB to intervene and ensure compliance with the FCRA. I look forward to your assistance in resolving this matter. 

Thank you for your time and prompt attention to this issue. Please feel free to contact me if you require additional information. 
This issue has caused significant harm to my creditworthiness, and I am requesting the CFPB to intervene and ensure compliance with the FCRA. I look forward to your assistance in resolving this matter. 

Thank you for your time and prompt attention to this issue. Please feel free to contact me if you require additional information.
Product: Credit card or prepaid card

Lowes denied me for a credit card when I should have never been denied. I was looking to get financing for the house I just bought to do my kitchen and there is no way I could get approved for a home and not this credit card.
Product: Checking or savings account

On XX/XX/year>, I opened two accounts, the Smart Advantage Account and the Relationship Plus Money Market, with XXXX through their website ( Accounts and account number shown as Attachment 3 and 4 ). I followed the instructions and proceeded to transfer the initial deposits into the accounts. Using my Discover account detailsspecifically the routing number and account numberI made two distinct transactions : a {$25.00} deposit into the Smart Advantage account and a {$25000.00} deposit into the Relationship Plus Money Market account through the XXXX website ( Transaction in Discover shown as Attachment 5 ). However, on XX/XX/year>, I received notifications from XXXX stating they encountered difficulties funding my newly opened accounts and decided to refund ( Email from XXXX shown as Attachment XXXX ). However, I only received the {$25.00} deposit reflected in my Discover account. The {$25000.00} intended for the Relationship Plus Money Market account did not appear. Despite numerous attempts to resolve this issue by contacting XXXX, I have not received a satisfactory resolution. After submitting a complaint in CFPB to XXXX, I finally received their response on XX/XX/year>. BMO informed me that their vendor, XXXX, holds the funds, and they advised that Discover 's ACH department should request a debit return ( Response from XXXX shown as Attachment XXXX ). 

Following a complaint filed with the CFPB against Discover on XX/XX/year>, I received a response from Discover today stating that they reached out to XXXX. However, they conveyed they are unable to retrieve the funds from XXXX due to XXXX requiring information from XXXX Bank ; as XXXX Bank had initiated the original ACH withdrawal and the return ( Response from Discover shown as Attachment XXXX ). Its essential to note that XXXX communicated with XXXX on XX/XX/year>, instructing me to request Discover to reach out to XXXX. However, Discover has now redirected me to request XXXX to reach out to XXXX. This situation falls into an endless loop, leaving me in a hopeless situation where XXXX continues to hold my funds without resolution. 

The situation has become increasingly convoluted, with conflicting responses from XXXX and Discover. I request Discover to provide detailed processes undertaken in their communication with XXXX. This includes Discovers inquiries and XXXX 's detailed responses and instructions in all communications. Meanwhile, I have submitted complaints against both XXXX and XXXX today, and simultaneously, I urgently request Discover 's assistance in working collaboratively with BMO and XXXX to resolve this matter promptly and retrieve my funds. 

This financial situation has made my life a mess as I need to use the {$25000.00} to pay my rent and groceries. Therefore, I seek the CFPB 's assistance in facilitating a resolution to retrieve the missing {$25000.00}, along with any accrued interests, which have been outstanding for over four months.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed my consumer credit file was incorrect and incomplete, related to the Capital One account. Capital One is in violation of the FCRA in regards to the information furnished to the consumer reporting agencies, whom are non affiliated third party companies. Capital One has incorrectly reported my credit card account as a flexible spending account, which it is not. Capital One also reported my account as being late in XX/XX/2022, there was never an investigation done by the CRA 's prior to reporting this incorrect information because pursuant to 15 USC 1666b- no creditor shall treat an account as late. 

I have tried to rectify this issue with Capital One and the CRAs as this is causing me major financial damage and has caused me to not be approved for an apartment. In disclosing this information my right to privacy was violated. Capital One 's terms and conditions clearly state that they will not sell my information to a third party, and they did just that in selling my personal financial information to the credit reporting agencies. 

In addition, I have looked over everything that was given to me upon opening this credit account, and the Gramm Leach Bliley Act Disclosure was never given to me, violation of federal law.
Product: Credit reporting or other personal consumer reports

XXXXm submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an id theft report. Please find the ATTACHED documents to assist in the removing of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
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 XXXXXX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Money transfer, virtual currency, or money service

On XXXX XXXX, I sent {$500.00} to XXXX XXXX XXXX by XXXX at email XXXX XXXX XXXX, for 1/2 of deposit for renting a house in XXXX. On XX/XX/2019, it became apparent she was not the owner of the property and the whole transaction was a scam. On XX/XX/2019, XXXX in the fraud dept. of XXXX XXXX contacted me. Direct Phone # ( XXXX ) XXXX. General fraud phone # ( XXXX ) XXXX. The recipient was having trouble accessing the funds and had contacted XXXX XXXX   for help. She was unable to answer their questions about me and this alerted them to possible fraud. XXXX asked if I had been scammed out of {$500.00} by the above recipient. She had the money in her dept and urged me to contact my bank for help in retrieving it. I contacted my bank, Wells Fargo, on XX/XX/XXXX and advised them of the events. They opened a claim on XX/XX/XXXX. Claim # XXXX.On XX/XX/XXXX I was advised by the fraud dept of Wells Fargo that the transaction was not fraud since I sent the money, and they couldn't help me. They also advised that they had contacted XXXX and t XXXX was refusing to refund the money. I then contacted XXXX XXXX fraud dept. again and was told by them that they could not help me directly because I'm not a customer of theirs. They have marked the recipient 's account as fraud though. And they said they were not giving her the money. No one will help me get my money back that is sitting at XXXX XXXX.
Product: Vehicle loan or lease

In XX/XX/XXXX I voluntarily surrendered my ex-wife 's vehicle which was purchased in XXXX. At the time I was told the vehicle would be sold by private disposition and I would be notified at a later date if there was a balance remaining. I never received anything. I pulled my credit report and saw an entry from Wells Fargo Dealer Services stating I owe {$890.00}. I contacted them by written letter dated XX/XX/XXXX to find out what this was about which was sent certified via XXXX and was signed for on XX/XX/XXXX. I did not receive a response so I contacted them again by written letter dated XX/XX/XXXX, also sent certified via XXXX  and was signed for on XX/XX/XXXX. Still no response so I contacted them again by written letter dated XX/XX/XXXX, also sent certified via XXXX and was signed for on XX/XX/XXXX. I finally received a response from them via a letter dated XX/XX/XXXX. In this letter they enclosed some documentation including the Voluntary Surrender agreement which I originally signed. There were several other items I had never seen before including a Notice of Our Plan to Sell Property, a letter dated XX/XX/XXXX, a letter dated XX/XX/XXXX, a letter dated XX/XX/XXXX and a letter dated XX/XX/XXXX. All of this correspondence was sent to an address I moved from previously and my current address was clearly shown on all correspondence I had sent them. Please note that the first letter they state they sent previously was dated prior to any correspondence I had sent. This letter also stated that more than 2 years after the sale of the vehicle, on XX/XX/XXXX, they received a refund from a service contract I purchased with my vehicle which reduced my balance by {$450.00} so my balance due is {$440.00}. I responded with a written letter dated XX/XX/XXXX sent certified via XXXX and signed for on XX/XX/XXXX requesting, again, that they remove all references to this account from my credit profiles since they were negligent in sending me anything previously about a balance due and I would agree to pay this balance. I received a letter from them dated XX/XX/XXXX stating they needed more time to complete their research and they expected to be able to respond by XX/XX/XXXX. When no response came, I followed up again, by certified letter sent via XXXX dated XX/XX/XXXX and signed for on XX/XX/XXXX, again requesting resolution to this matter. I received another letter dated XX/XX/XXXX also stating they need more time to complete their research and they expect to be able to respond by XX/XX/XXXX. This has gone on long enough and I feel these are simply stall tactics. I would appreciate any assistance you can give to remedy this situation.
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. XXXX XXXX account # XXXX, has violated my rights. XXXX  account # XXXX, has violated my rights. 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 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. I need a copy of the original debt with my signature on it, also need a copy of Name and Address of the original creditor. I need the full payment history of the original creditor. I also need proof that they now own and been assigned to collect the debt from me.
Product: Credit reporting or other personal consumer reports

I have an old friend who was a roommate that I think stole my info and opened up stuff in my name. I would like to have this fixed please.
Product: Checking or savings account

Emails of an account being opened on XX/XX/XXXX. Tried contacting Bank of America about account. Difficulty talking to an associate or figuring out how to access the account without the account number. They wouldnt allow me to ask if theyd close the account or allow me access even though I have my social security number and proof of identity. They sent me to an automated machine that told me theyd send a fraud form in the mail but I dont know if it goes to my address.
Product: Credit reporting or other personal consumer reports

It's been a month since I filed a complaint with these Bureaus, and the wrong info on my report is still there. I haven't received any updates from them, except for your notice that the company responded to my complaint. How can I be sure they actually looked into the inaccuracies? What did they do to check the accounts? This whole thing is super frustrating, especially since it's been more than 30 days since I reached out.
Product: Debt collection

XXXX XXXX 2024 Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Subject : Complaint against JEFFERSON CAPITAL SYSTEMS for Violations of Consumer Financial Protection Laws To Whom It May Concern, I am writing to file a formal complaint against JEFFERSON CAPITAL SYSTEMS for multiple violations of consumer financial protection laws, specifically as outlined below : Failure to Provide Validation Information ( 12 CFR 1006.34 ( b ) ( 5 ) ) : JEFFERSON CAPITAL SYSTEMS has placed a collection account on my consumer report without providing any validation information as required under 12 CFR 1006.34 ( b ) ( 5 ). I have not received any documentation or verification of the debt, despite it negatively impacting my credit report. 

Denial of Dispute Opportunity ( 12 CFR 1006.34 ( c ) ( 4 ) ( i ) ) : I have not been afforded the opportunity to dispute the account in question, as mandated by 12 CFR 1006.34 ( c ) ( 4 ) ( i ). JEFFERSON CAPITAL SYSTEMS failed to notify me of my right to dispute the debt and has not responded to my requests for verification. 

Use of False, Misleading, and Deceptive Means : JEFFERSON CAPITAL SYSTEMS has engaged in practices that are false, misleading, and deceptive in attempting to collect this debt. They have provided no substantiation of the debt 's validity and continue to report it inaccurately to consumer reporting agencies. 

Unauthorized Reporting to Consumer Reporting Agencies ( 12 CFR 1006.34 ( d ) and 15 USC 1681s-2 ( 7 ) ( A ) ) : JEFFERSON CAPITAL SYSTEMS has furnished information about this account to consumer reporting agencies without providing required disclosures under 12 CFR 1006.34 ( d ) and 15 USC 1681s-2 ( 7 ) ( A ). This action is in clear violation of federal law governing the accurate reporting of consumer credit information. 

I request that the Consumer Financial Protection Bureau investigate these violations and take appropriate action against JEFFERSON CAPITAL SYSTEMS. I am seeking resolution of this matter, including but not limited to : Verification of the debt in question and its removal from my credit report if not substantiated. 
Correction of any inaccuracies in reporting to consumer reporting agencies. 
Any other relief deemed necessary to rectify the harm caused by JEFFERSON CAPITAL SYSTEMS ' actions. 
Enclosed are copies of relevant documents, including communications with JEFFERSON CAPITAL SYSTEMS and any correspondence related to this debt. 

Thank you for your prompt attention to this matter. Please contact me if further information is needed.