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

Was charged {$40.00} in fees and {$12.00} in interest in statement for period ending XX/XX/2023. Payment was due XX/XX/XXXX. Payment was sent from XXXX XXXX  on XX/XX/XXXX. Total new balance on statement for period ending XX/XX/2023 was {$52.00}. I called Capital One to complain about the late fee and interest since the check was mailed two weeks ahead of the due date. They waived the late fee of {$40.00} but would not waive the interest. I asked if making a payment of {$12.00} would fully pay the balance and they said yes. I paid the {$12.00}. 

On the statement for the period ending XX/XX/2023, there was a fee of {$25.00}. I called Capital One to inform them that there should be no late fee since I paid the previous balance on time with the {$40.00} fee adjustment and the {$12.00} payment. They said the fee adjustment did not count as a payment and since I only sent in {$12.00} and not the entire {$52.00} I was subject to the fee and they did not waive it. 

This seems inappropriate as the adjusted new balance following the fee adjustment would have been {$12.00}. Additionally, their representative stated that me sending {$12.00} would pay the balance in full. 

It also seems to me that Capital One may be delaying the reciept/recording of check payments in order to charge fees. They are the only company out of many that I pay via check that have had issues receiving payments on time.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I had a fraudulent XXXX XXXX account removed from my report however there is an inquiry from that account on my report.. please remove this hard inquiry from my report attached is my ftc report and police report as it relates to that account and inquiry..
Product: Vehicle loan or lease

I received a letter from your company stating that I owe an outstanding balance. This letter is not a refusal to pay, however, I would like to let your company know that I am disputing your claim. Under the FDCPA, I am allowed to request verification from collection agencies. As you know, not complying with FDCPA will put your company in a bad position with the FTC, so I am asking that your company supply me with a copy of the following : 1.Proof that you either own or were assigned the debt from the creditor 2.Proof that you have the right to collect this debt in my state 3.Proof that your company carries a bond 4.Proof on how your company assessed the outstanding debt 5.Payment history from the original creditor 6.Name and address from the original creditor 7.Copy of the original contract bearing my signature Thank you for your time and cooperation
Product: Credit reporting or other personal consumer reports

The unverified account indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require this account to be authenticated ( A ). I will take legal action against you if you do not validate this account. 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 XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

While checking my most recent credit report, I noticed credit inquiries that i did not authorize, made by the following companies : XXXX XXXX XXXX XXXX opened XX/XX/2020 I did not applied for this company and did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. 

Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611. 

I have been a victim of identity theft fraud. I have no idea of any of these accounts. I have never opened any of these accounts. Please review this and remove this as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Reporting Agency Transunion continues to violate my consumer rights by reporting false and inaccurate information. I have disputed these items multiple times. Also I never gave them written instructions to furnish this information which I a clear violation of 15 USC 1681b ( 2 ).
Product: Checking or savings account

capital one back failed to credit payroll direct deposit stating that have server issues and dont know when it will be fixed. They refuse to assist with this issue and my account is now overdrawn and i cant pay bills or put gas in my vehicle because i have no funds in my account. Capital One states they will fix the issues when they can and they cant do anything about the account of overdraft and late fees and penalties for items scheduled to come out of my account
Product: Debt collection

AFFIRM , INC XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, CA XXXX I wrote the company several times to remove this debt from credit report. It was a canceled purchase on XXXX for a trip that I did not take. They still haven't removed it from my credit report. 

I received my XXXX Dispute result on XX/XX/2023 and the status of AFFIRM , INC says remains. When it should be deleted from all of my credit reports XXXX, XXXX XXXX and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the following list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

All accounts listed below have violated my rights 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  Section USC 1681 section 602 A states I have a right to privacy Section USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish a account without my written instructions Section USC 1681c. ( a ) ( 5 ) section states no consumer reporting agency may make any consumer report containing any of the following forms of information any other adverse item information other than records of convictions of crimes Section USC 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 Section USC 1681e ( b ) 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
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX was placed on my credit report on XX/XX/2021. If I allegedly did business can they prove that I made payments on XX/XX/2021 when I never made payment to them on Equifax. Also on XXXX it considered a negative account that I never made payment on XX/XX/2021.
Product: Debt collection

They called several times throughout the day. Sometimes in the # I provided and most times on a robocaller from Kohls dept store. 
The times Ive answered Ive told them not to call so often and I get pay your bill and we wont call you. I told them if I could pay them I would. 

Dates/times called : XX/XX/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 You get the idea.
Product: Credit reporting or other personal consumer reports

For the last time I address this significant repeating concerns regarding the accuracy of my credit report Still failure to positively comply these accounts evidences and continuing hurting my ability to obtain credit.Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence.

15 U.S. Code 1681n Civil liability for willful noncompliance and 15 U.S. Code 1681o Civil liability for negligent noncompliance and 15 U.S. Code 1692k civil liabilityIn multiple violations and Im entitled to monetary compensation under FCRA 15 U.S.C. 1681i ( 6 ) Notice of Results of Reinvestigation. ( A ) In general. A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than 5 business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency ( B ) Contents. As part of, or in addition to, the notice under subparagraph ( A ), a consumer reporting agency shall provide to a consumer in writing before the expiration of the 5-day period referred to in subparagraph ( A ) ( I ) a statement that the reinvestigation is completed Pursuant to the FCRA, a consumer report does not include any report containing information solely about transactions or experiences between the consumer and the person making the report. Any reporting of late payments or derogatory statuses is a direct violation of 15 USC 1681a ( d ) ( 1 ) as that information pertains to experiences Accounts listed below in green color highlighted and tag as in violation under 15 U.S. Code 1666 ( b ) billing error are inaccurate late payment history, must be updated to paid on time as never been late as agreed.

( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

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

clearly in Violation of the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ) must update to correct as paid on time.

14. This account payment history is and error and in violation under 15 U.S. Code 1666 ( b ) billing error XXXX XXXX XXXX XXXX XXXX XXXX Update to Paid on time on payment history and never been late Items listed below that is tag as Unauthorize inquiries that's Violated the United States Code Law 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer. Must be deleted in my credit report.

Please update my credit report as per law abiding accuracy of data. 
Please make all listed below update or deleted in my credit report!
Product: Debt collection

XX/XX/XXXXXXXX {$590.00} Account # : XXXX Original creditor : XXXXXX/XX/XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX I am writing to dispute several inaccuracies and incomplete information that I have discovered upon reviewing my credit report. 
It has come to my attention that there are discrepancies within my consumer file pertaining to the following accounts : Listed above These discrepancies have raised significant concerns regarding the vital role of credit reporting agencies in ensuring that the information furnished is fair, accurate, and complete. As per my rights under the Fair Credit Reporting Act ( 15 USC 1681 ), I am formally requesting a thorough investigation of the aforementioned accounts. 
Furthermore, I am requesting VERIFICATION and VALIDATION of each account listed above. It is imperative that you provide me with the name and title of the person who certified that these accounts have been VALIDATED and VERIFIED. 
If, upon thorough investigation, you are unable to VERIFY or VALIDATE the aforementioned accounts, I kindly request that you promptly delete them from my credit report. 
I expect a timely response to this matter in accordance with the provisions outlined in the Fair Credit Reporting Act. Please acknowledge receipt of this dispute within 30 days and provide updates on the progress of the investigation. Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

Ny Indigo Credit Card was used to make an online purchase in XX/XX/2021. I immediately notified the card issuer and consequently my account, after a two week investigation by the card issuer, was credited for the unauthorized purchase. Two month later, the card issuer put the charge back on my account XXXXafter I paid the account off0. I received no notice and despite numerous phone calls to the card issuer I have been unable to ascertain why the charge was placed back on my account and I have been unable to gave the charge removed or received reasons why it is not being removed.
Product: Credit reporting or other personal consumer reports

I requested a copy of the original signature from the application be sent to my home address. I am requesting proof that XXXX XXXX allowed to practice debt collections in the State of Florida. This account has been be reported negatively for over seven years. I request on several occasions the reporting history from the opening of this account be sent since 2016. If XXXX XXXX  had the complete file it would show the original Date of the application., Reassignment to collections does not restart the seven year window. Please send a complete file that shows each purchase each month to compute the amount claimed owed.
Product: Debt collection

At about XXXX : XXXX  today ( XX/XX/2019 ), I pull a credit report showing some accounts that I have no knowledge about.An account at Discover bank with account number XXXX ...., were opened by someone with my information fraudulently. 
My friends as well as legal consultants advised me to file a CFPB complaint. So I request your investigation to the mentioned credit card. Thank for your support
Product: Checking or savings account

XXXX XXXX XXXX XXXX XXXX  XXXX. 
Account # : XXXX Open Date : XX/XX/XXXX XXXX XXXX XXXX XXXX Account # : XXXX Routing # : XXXX Open Date : XX/XX/XXXX These Companys above is Violating my Rights. I XXXX have requested to view my Early warning system report and noticed that there are Accounts that dont belong to me and I would like for them to be removed due to the FCRA rules and U.s laws. 15 U.S.C 1681 B2, 15 U.S.C 1682 S2A1.
Product: Debt collection

The account was open on XX/XX/year> with the amount of XXXX. I was not the one who open the account or used the credit line. I see a payment was paid but i never had made a payment on it any payment on it was not that of my own bank account.
Product: Credit reporting or other personal consumer reports

I updated my address, phone and email with all 3 credit bureaus back in XX/XX/2024 over the phone with each bureaus customer representative. I requested to have all 3 reports sent via postal mail. I only received XXXX and never received XXXX XXXX or XXXX. I have online accounts with all 3 bureaus and checked to see if the info was updated. The info I gave them in XXXX was updated initially and then somehow changed without my knowledge. My address reverted back to an old address and also listed are random addresses Ive had over the years. This is not the 1st time this has happened. This is constantly happening and it seems to be with XXXX XXXX and XXXX the most. I can never get the info I need mailed to me, the info gets altered and not by me and the information becomes very confusing for no reason. This has also happened in my student loan online account and a few bank accounts. I do not know how or why certain addresses are being changed without my knowledge. This has caused me to not be able to keep track of my credit and prevents me from getting any type of credit for anything because the information will not match up. I have had my address changed without my knowledge to places I never lived but walked into like post offices or walked passed like random addresses in whatever area I was in. This is making me feel like I am being stalked which I have been a victim of in the past. I am not sure how the info is being changed or when it happens because I find out weeks or months later. I have asked when and how the changes happened and none of them have any answers.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX tx XXXX XXXX XXXX tx violated my hippa rights by selling my debt to another company collection agency called XXXX XXXX XXXX in XXXX XXXX XXXX XXXX  XXXX XXXX, MN XXXX i have received threatening phone calls from this number XXXX XXXX about ruining My credit Then on XXXX XX/XX/XXXX XXXX this medical started reporting to my credit report it dropped my credit scores XXXX points i went into an deep XXXX i reach out to them in tears all they kept saying was threatening things i was so scared I ask the to send me letters, XXXX letters was sent to me on my email short after they hung up on XXXX XXXX XXXX asking for my life back im requesting for this debt to be removed for my credit report because of my hippa privacy rights have been violated
Product: Debt or credit management

I open up account with them XXXX and service wasnt provided as was explain I was building my credit so I could have purchased a house as a single mother of XXXX kids!! The service was taking so long and I was mislead!! By the been said I was back at square one with my hopes back down again!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is reporting inaccurate information on my credit report. Under Time days late it states XXXX, under amount past due its states XXXX balance. All this states the fact that there was never a late payment however under worst payment history it states 120 days late. This information is incorrect and not accurate which is a violation of my rights under the FCRA.
Product: Prepaid card

I purchased a {$50.00} prepaid Amex gift card from XXXX I then tried to use it a variety of places and it was declined everywhere. I reached out to the AmEx gift card phone number for help and was told that it was accepted everywhere and to try to use the gift card in person. I tried to do this as well and it did not work. I logged into the gift card account and it said the card was locked and call the number. I called the XXXX number and was told that they needed to send me a new card. That card arrived today on XXXX and I tried to use it a variety of places and it is still not working.
Product: Credit reporting, credit repair services, or other personal consumer reports

The online website keeps saying my account is suspend and Ive called and was sent to tech support and was told they would email me to reset and I havent heard anything!
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of the following account and inquiries from my credit report pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), as I am a victim of a data breach and these entries are fraudulent. 
The following account must be blocked and deleted immediately : UNAUTHORIZED COLLECTION - XXXX - XX/XX/XXXX - {$1000.00} Additionally, the following inquiries must be removed : XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX
Product: Checking or savings account

Account locked on XX/XX/XXXX Contacted their support service 4 times. The last was on XX/XX/XXXX. Was told each time that my complaint has been escalated and I would receive an email regarding when to expect answers. Still waiting.
Product: Debt collection

on or about XXXX 2021, I asked XXXX to send me documentation that the account they had on my credit report for XXXX was mine. 
After many back and forth emails, they never sent the paperwork, I finally received it after I filed a dispute with the credit bureaus '. 
I co-signed a note for my daughter it seem. 
On XX/XX/2021, my daughter received a notice from XXXX that they would settle the account for XXXX. I paid this amount on XX/XX/2021 in full. The person I talked to was XXXX and the confirmation number is XXXX. 
She informed me I should receive an email confirmation with XXXX to XXXX hours from XXXX or XXXX which is the other name they use. 
This never happened and they are still refusing to remove the amount from my credit report. 
There is no reason for this to still be on my report except from the reviews I have read, they seem to feel they don't have to. 
As far as I am concerned, they are stealing my identity and ruining my credit.
Product: Checking or savings account

My account was locked due to an ACH transfer with a chase account i had and tried to make a transfer. my transfer did not go through because my chase account was already restricted and closed I have sent them all the documents they have asked for to verify my identity on my account and the protection team only emails me back responding with the same response. have been having this issue for over 3 months and only getting the same responses have went to chase branch for a representative to talk and explain to them and tell them there's no account ending in XXXX or on my name with chase the only account i had was ending in XXXX and I've sent all the documents to verify my identity. my bills have been late my credit score has went down need to get access to my money and account ASAP. has been the worst customer service financially
Product: Credit card

have had this card a very short time with small charges two charges below {$90.00}. my daily check on bank account web site and in person at the bank. 
I found a charge at my bank statement for XXXX. I asked the to find to how or what vender the moneys were paid. After the their security check I was informed they found no link nor who the had billed me. 
Shortly after I got a bill from Barclays credit card for {$430.00} I then contacted Barclays costumer support and asked who they they had on their records that they claimed the charge was made. They couldn't find any information, according to their records. I challenged the bill from them and after many contacts buy phone I was directed to their security. 
I was told to destroy my card and they would issue a new card. A few days later I receive, a new card by express delivery. When I called to activate they informed me it couldn't be activated as I had a overdue payment for {$410.00}. 
I again asked for a fraud investigation, 3 days later I recieved another new card. Called and was told I still had {$410.00} Balance due. No activation because of this balance due. Frustrated!!
Product: Mortgage

This has been an ongoing situation that I have addressed with the mentioned bank so there are multiple dates and various amounts involved.I have tried both emails and phone calls to try and resolve this problem. 

I was instructed by South State Bank to make my loan payment online or I would have to pay a {$10.00} fee. Whenever I make an online payment for a principle payment only to bring down the balance, the payment is made towards interest that is not due yet first with the remainder going towards principle even though I clearly state in the memo line " APPLY TO PRINCIPLE ONLY '' as I was instructed to do. I then have to call the bank two to three times and wait on hold each time to get the payment applied properly. Even then it takes several days for the payment to be corrected. I have spoken and emailed Mr. XXXX XXXX as well as other bank associates on numerous occasions about the additional costs in interest and the waste of my personal time but nothing ever changes.