23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

NOTICE TO AGENT IS NOTICE TO PRINCIPLE NOTICE PRINCIPLE IS NOTICE TO AGENT I am writing to inform you of my dispute regarding the account listed on my credit report maintained by your company. I assert that your company is subject to the arbitration agreement as stated on your company 's website, as well as the arbitration procedures provided by XXXX. 
I am fully aware of the financial implications associated with initiating arbitration proceedings, and I am extending you one opportunity to resolve this matter amicably. My settlement demand is as follows : Payment of {$6000.00} to compensate for the mental distress, anxiety, emotional distress, and financial hardship that your actions have caused me. 
Deletion of the trade-in entry from all credit reporting agencies where it is currently listed. 
I want to emphasize that the costs associated with initiating arbitration proceedings, including filing fees, arbitration initiation fees, arbitration deposits, and any legal costs incurred throughout the arbitration process, will be significant. As per the arbitration procedures outlined on the XXXX  website, you will be responsible for covering these costs, which could amount to XXXX XXXX XXXX of dollars. 
Failure to comply with my demands will result in the initiation of arbitration proceedings. I want to remind you that your continued collection activities may constitute a violation of the Fair Debt Collection Practices Act ( 15 USC 1692c ( c ) ), which prohibits communication through mediums other than mail upon request. 
I expect a prompt response within 15 DAYS, confirming your acceptance of my settlement terms and detailing the steps you will take to comply. If I do not receive a satisfactory response within this timeframe, I will proceed with arbitration without further notice. 
Please send all correspondence related to this matter to the address listed above.
Product: Checking or savings account

My debit account has been locked on XXXX contacted bluebird XXXX  customer service more than once and i am told i am permanently suspended. i have no access to my XXXX and i am told my account is under review by another department and there is nothing i can do to access my funds and no immediate contact to the other department. this is obscene, how can a company with the visa logo lock an account with funds available in it and tell you there is no current way to access your own money.
Product: Credit reporting

Credit report XX/XX/XXXX : they have still not deleted hard inquiry for XXXX done XX/XX/XXXX ; They did not delete soft inquiries XXXX, XXXX, XXXX, XXXX, XXXX, all done XX/XX/XXXX ; they did not delete fraudulent address XXXX , XXXX, CA XXXX & same address with XXXX ; they did not delete fraudulent employer address XXXX and fraudulent employer XXXX from XX/XX/XXXX. ORIG REQUESTED ALL XX/XX/XXXX with Notary documents and affidavits.
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 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, 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please note that I am the author of this complaint and all attachments. 

The credit bureau has violated 15 USC 1681i and 15 USC 1681e. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. All I have been getting are frivolous, eOscar automated responses. No real investigation was conducted after my initial dispute.

The furnishers are in violation of 15 USC 1681s-2b ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate. 

After my dispute of the accuracy of these accounts, the furnishers falsely verified the reporting to be accurate and complete instead of deleting the account from my credit report. This is will non-compliance and I now have a claim under the FCRA with civil liability under XXXX XXXX Code XXXX
Product: Debt collection

I am writing to file a formal complaint against Capital One regarding a debt they are alleging I owe. I am disputing the validity of this debt and formally requesting Capital One to provide full validation, as required under federal consumer protection laws. 

Issue : Capital One has claimed that I owe a debt. However, I have not received sufficient documentation or validation to prove that this debt is valid and legally enforceable. I am requesting Capital One to provide proper validation of the debt, including : XXXX. The amount of the original debt. 
XXXX. A breakdown of how the alleged debt amount was calculated. 
XXXX. Proof that the debt has not been paid or settled. 
XXXX. Any signed agreements or contracts showing that I am responsible for the alleged debt. 

Legal Grounds : I am asserting my rights under the following federal laws, which require debt collectors and creditors to provide validation upon request : 1. Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g Under Section 1692g, I have the right to request validation of the debt. This requires the creditor to provide sufficient proof that the debt is valid and that I am legally obligated to pay it. 
XXXX. Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( a ) Capital One must also ensure the accuracy of the information they furnish to the credit reporting agencies. Reporting inaccurate or unverifiable debts is a violation of the FCRA. 
XXXX. Truth in Lending Act ( TILA ), 15 U.S.C. 1601 et seq. If the debt stems from a credit transaction, I request any documentation related to my original credit agreement with Capital One, as required by the Truth in Lending Act.
Product: Credit card

XXXX XXXX XXXX and American Express have some partnership that requires consumers to sign up for a XXXX to get a discount on your phone. It was not spelled out that consumers were signing up for a XXXX. American Express then bothers you with emails and sells your contact information to other parties. When you attempt to close your account American Express sets up roadblocks and lies to the consumer about the accounts and the necessary steps to close an account. I 've attempted to close our accounts XXXX times and hope I have finally been successful.
Product: Checking or savings account

Bank of America is handling my account in a discriminatory fashion due to my age, race, and relgon. They sent me notification that they would be reversing {$79.00} from my account on XX/XX/XXXX. On the XXXX about {$2000.00} was reversed from my accounts without warning. I went to branch to call and see why they took back so much money without warning, they had no good explanation only said it didnt make sense and they were sorry but nothing could be done. Bank of America gives all there other customers fair warning of any changes that will be made in my account. 

Reason for Dispute Reversal - Claim was denied because purchases fit my spending habit, including places I have never used and states I have never visited. 

Claim # XXXX - {$1500.00} - Filed on XX/XX/XXXX ; Reversed on XX/XX/XXXX Claim # XXXX - {$980.00} - Filed on XX/XX/XXXX ; Reversed on XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/2024 I found disrepancies on my report with Trans Union, XXXX, XXXX Acct # XXXX the date of last actividy says XXXX XXXX and XXXX XXXX this is inaccurate reporting and violating my rights as consumer According to 15 USC1681 I have the right to maximum accuracy to my report.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Last XXXX XXXX XXXX Truist Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Dispute of Inaccurate Information on Credit Report Dear Truist, I am writing to dispute inaccurate information on my credit report as provided by your agency. According to the Fair Credit Reporting Act ( FCRA ), Section 611, I am entitled to dispute any information on my credit report that I believe is incorrect or incomplete. 

The item I am disputing is as follows : - **Account Name/Number** : [ XXXX XXXX ] - **Creditor** : [ XXXX ] - **Type of Discrepancy** : Late Payment Reported for [ XX/XX/XXXX ] I have reviewed my records and have confirmed that the reported late payment on this account is incorrect. As per the FCRA, all data furnishers are required to provide accurate information to credit reporting agencies. This includes ensuring that all reported late payments are correct and verifiable. I request that you investigate this matter and correct the information on my credit report as soon as possible. 

Under the FCRA, you are required to investigate my dispute and provide a response within 30 days of receiving this letter. Please conduct a thorough investigation and delete or correct the inaccurate information on my credit report. Additionally, I request that you send me a confirmation once the correction has been made. 

Please find my personal information below for reference : - **Full Name** : XXXX XXXX - XXXX of XXXX : XX/XX/XXXX - **Social Security Number** : XXXX - **Address** : XXXXXXXX XXXX XXXX Thank you for your prompt attention to this matter. If you need any additional information, please do not hesitate to contact me. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX claims they havent reported me late its the credit bureau who made the mistake. Ive been in forbearance. How can I be late. I need this updated. I have many lates from this company. XXXX its like 10 and i never was late I attached a copy of my report and a letter from XXXX. Im going for a mortgage this isnt fair. Please help and update all these lates and remove them. ALL XXXX ACCOUNTS ARE INCORRECT. 
B DEPT OF ED/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$1100.00} EDU {$1100.00} 120 {$0.00} {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/EF Late Dates : XX/XX/XXXX-120, XX/XX/XXXX-90 PAYMENT DEFERRED ; COLLATERAL : DEFERRED TO XXXX B B XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$1700.00} EDU {$1000.00} XXXX {$0.00} {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/EF Late Dates : XX/XX/XXXX-90, XX/XX/XXXX-120, XX/XX/XXXX-90 PAYMENT DEFERRED ; COLLATERAL : DEFERRED TO XXXX B B DEPT OF ED/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$1100.00} EDU {$1100.00} 120 {$0.00} {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/EF Late Dates : XX/XX/XXXX-120, XX/XX/XXXX-90 PAYMENT DEFERRED ; COLLATERAL : DEFERRED TO XXXX B B XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$1700.00} EDU {$1000.00} XXXX {$0.00} {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/EF Late Dates : XX/XX/XXXX-90, XX/XX/XXXX-120, XX/XX/XXXX-90 PAYMENT DEFERRED ; COLLATERAL : DEFERRED T
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to formally express my concern and dissatisfaction with the recent investigation conducted by your bureau regarding a disputed late payment on my account with XXXX CARD, account number ending in XXXX. 

On XXXX/XXXX/2024 ], I submitted a request for investigation, clearly stating that I have never been late on any payments for this account. I provided you with the necessary details, including my expectation that your agency would conduct a thorough investigation and provide either proof of the alleged late payment or update the record to reflect that all payments were made on time. 

To my dismay, I was informed that your investigation concluded the late payment was " verified '' without any proof or supporting documentation provided to me. This response is both unsatisfactory and concerning, as it suggests a lack of due diligence in your investigation process. 

Under the Fair Credit Reporting Act ( FCRA ), you are obligated to ensure that all information reported is accurate and to conduct a reasonable investigation when a consumer disputes the information. The failure to provide proof of the late payment or to correct the error is a clear violation of these responsibilities. 

I demand that this matter be re-investigated with proper attention to detail, including : XXXX. Providing documented proof of the alleged late payment, such as account statements or communication from the creditor. 
XXXX. Correcting the inaccurate information on my credit report if proof can not be provided, reflecting that all payments were made on time. 
XXXX. Providing a detailed explanation of the investigation process that was followed and the specific steps taken to verify the information. 

Please consider this letter a formal complaint. I expect a response within XXXX days, as stipulated under the FCRA. If the matter is not resolved to my satisfaction, I will have no choice but to escalate this issue to the Consumer Financial Protection Bureau ( CFPB ) and consider further legal action. 

Thank you for your prompt attention to this matter. I look forward to your swift and accurate resolution of this issue. 
Sincerely, XXXX XXXX XXXX
Product: Credit card or prepaid card

I was charged an annual fee of {$75.00} by American express for my inactive XXXX XXXX card. 

I did not receive a notification about the fee and my account statements were being marked as spam by XXXX due to long term inactivity. 

I got a notice that I had not made a payment on my card and I logged in to find out about the fee. I have tried to get it resolved with XXXX but they insist on the fee, even though I have cancelled the card already with them. I will not have use of the card for the next 10 months even though I have paid the fee. For the next 10 months XXXX does not owe me exposure to the tune of {$24000.00} and has no liability to me charging off.
Product: Mortgage

I have been trying for a modification for the last 2 years. I was denied for not enough income so i got another job. Now I was denied a loan modification because they claim they could not verify that i live in my house ... i gave them utility bills, drivers liscense and pay check stubs ... i did an appeal and my appeal was denied. Now they have put my house up for auction on XX/XX/2016. I do not know what else to do ... PLEASE HELP ME KEEP MY HOME!!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance to the fair credit reporting act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604a section 2 it also states, a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.
Product: Bank account or service

Deposited check on XX/XX/XXXX and 10 days later, check was n't cleared. Called bank to inquire as a " fraud hold '' was noted on my account and I was told very nicely that the funds would be credited to my account. The representative could did not however, adequately explain why the clearing process was excessively long. Upon checking my bank account online, I noticed that a " pending hold '' memo was on my account. I 'm not sure if this means the funds were provisionally cleared or actually cleared. My complaint is that the time duration of the check clearing process in the modern era is excessive and should be modernized via existing technology.
Product: Credit card

Subject : Urgent : Discrepancy in Interest Charges Date : XX/XX/year> Dear Consumer Financial Protection Bureau, I am writing to you concerning a recent issue with my Capital One account. I was charged {$16.00} in interest, which was bewildering since I always pay the last statement balance to avoid any interest. I have done this for over XXXX years. After advocating for myself, Capital One refunded me the interest charge of {$16.00} on XX/XX/year>. They reported it will take XXXX business days to show up on my account. 

The reason for this letter is to illustrate XXXX problems. 

I paid off my last statement balance of {$1000.00}, but somehow it changed after the cycle date to {$1100.00}. This is the first problem. The second problem is that the {$16.00} was calculated from a fictitious balance of {$700.00} and not {$90.00} ( the difference between what I paid and the mysterious new payoff of {$1100.00} ). Using their own calculation XXXX XXXX XXXX XXXX XXXX XXXX XXXX per month or XXXX XXXX XXXX XXXX My actual published XXXX from Capital One is XXXX XXXX 

They literally calculated interest off a fictitious balance and changed my last statement balance to charge me {$16.00}. 

This is clearly unethical, if not illegal, under current XXXX regulations. 

Please correct this for the average consumer. There could be millions of consumers being swindled right now.
Product: Debt collection

I was recently assigned the phone number ( XXXX ) XXXX and I am receiving recorded/automatic calls that are not intended for me. I have previously requested to have TSI ( Transworld Systems Inc. ) remove my phone number as I am not the person they are trying to contact. The recording says to call XXXX and ask for XXXX XXXX XXXX. The ID CODE / Reference # for the call is XXXX.
Product: Checking or savings account

On XX/XX/XXXX chase closed my account because they deemed it to risky, which is their right to. On XX/XX/XXXX my paycheck hit the account and its still sitting there. It is now XX/XX/XXXX and they have refused to give me access or to send me a check for the remaining balance. Which totals over XXXX. I have now been without money for almost 2 week because theyre holding my money hostage. My rent is late now, and now all of my bills have late fees because they wont give me my money. I need the government to step in and force them to at the very least send me a check for whats left.
Product: Credit reporting or other personal consumer reports

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

This means that whenever the FCRA is broken, it makes the banking system less effective. Because I decide what is on my consumer report and what is not, this is an invasion of my privacy. If any of my accounts are written off without my writing permission, that is identity theft.

There are two laws being broken here : 15 U.S. Code 1681b ( 2 ) and 1681c-2. This means that the credit reporting service can be sued in civil court for negligent and willful noncompliance under 15 U.S. Code 1681n. This allows for a {$1000.00} fine per violation for listing my account without my written permission.
Product: Mortgage

I was just informed that I am Disqualified for an IRRRL refinance loan due to a COVID-19, Mortgage company Approved, ONE Month Forbearance ( Where I did pay the interest ) in XXXX. 

So ... Basically, I am not afforded the opportunity of a lower interest rate due to a World-Wide Pandemic that I worked through??? 

I took a 30 % pay-cut for XXXX and XXXX. I asked Sun-West Mortgage company for a 3 month forbearance. I paid {$900.00} on interest in XXXX. In XXXX, I paid {$3000.00} and was caught back up because my salary was restored since I was considered essential and worked through the mayhem. 

This is the most ridiculous set of rules. WHY in the world would this be acceptable? 

Please change these rules for IRRRL qualifications. An approved forbearance due to this pandemic, especially one that was only used for one month, should in no way, disqualify an individual that has been, is doing and will continue doing the right thing. 

Please help while interest rates are low. I'm at 3.25 % but qualify for 2.75 %. That's an extra $ XXXXmonth! 

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

A XXXX past-due notice was added by Wells Fargo to the record of my XXXXXXXX XXXX XXXXXXXX account on my credit reports in XX/XX/2023. 

I was legitimately late but on XX/XX/2023, I went to XXXX for almost 6 months. Before leaving, I made a {$10.00} charge on my Choice card to ensure the account stayed active. A few months prior, the issuing bank for this card had changed from XXXX to Wells Fargo. I have autopay set up for all my accounts but I neglected to activate autopay on XX/XX/XXXX for this account, the earliest I could do this after the issuing bank switched to Wells Fargo. In the flurry of getting ready for this long trip, I simply forgot. 

All the postal mail notices that were sent to me went unread since I wasnt home. It was only after I returned home on XX/XX/2023 that I discovered Wells Fargo had waived the {$10.00} charge, closed the account, and lodged an adverse notice with the credit agencies. 

I have been a Wells Fargo customer for well over a decade, have over {$300000.00} invested with them ( {$320000.00} as of today 's close ), and am a XXXX account holder. Wells Fargo should have been very well aware that I was able to pay the {$10.00} account balance. Furthermore, my Wells Fargo XXXX XXXX, XXXX XXXX ( XXXX ID XXXX ), knew I was out of town all summer. Prior to this incident, I had never had a late notice attached to my credit reports. 

I contend that this is an unreasonable reporting pretext. I requested that Wells Fargo excuse this, which was so obviously an oversight, and remove the XXXX late notice from my credit reports. Wells Fargo has refused to remove the late notice.
Product: Credit reporting or other personal consumer reports

DEAR, EQUIFAXIWOKEUPMONDAY, AND PULL MY CREDIT REPORTJUST TOCHECK MY CREDIT. 
I THEN REALIZED. I HAVE BEEN A VICTIM OF DENTITY THEFT... PLEASE HELP ME REMOVE AND DELETE THIS FRAUD ACCOUNT FROM MY CREDIT REPORT. XXXX XXXX XXXX  IS THE FRAUD ACCOUNT OPEN IS XX/XX/XXXX XXXX  IS THE FRAUD ACCOUNT OPEN IS XX/XX/XXXX