23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I opened a CD on line XX/XX/XXXX with XXXX, an affiliate with Webster bank. 
In XX/XX/XXXX this year I called to have the monies withdrawn upon maturity the next day. I was told to call back XXXX which I did and asked to have monies sent to me. XX/XX/XXXX I called again and asked where they were. I was told I had not accepted a request sent to my inbox with XXXX. I did accept but I had not been told this was needed in my original discussions with Brio rep on either XX/XX/XXXX or XXXX. I have called XX/XX/XXXX, XXXX and XXXX. On XX/XX/XXXX I was on hold for 35 minutes, spoke with XXXX in their operations and was told XXXX XXXX ( supervisor ) would call me back- which never happened. I have been told its in process, it will take 24-48 hours to get to you, we are backed up. Their website is not functioning to allow for an external transfer electronically despite having this as an option. This feels like a scam. And they are withholding my money which I want now. I have threatened legal action but get the same run around.
Product: Credit reporting or other personal consumer reports

XXXX XXXX  opened this account during a purchase I made with XXXX for a phone near XX/XX/year>. 
I received no notice that the account was opened, I was given no account number, no due date no remit address not email, regular mail text or call about the account when it was due or how to pay it or where to send it. They made NO ATTEMPT to call me untill XXXX of 2024 when they already sent account to collections. 

How am I suppose to pay the account when I don't have anything that resembles a statement. XXXX phones has since dropped XXXX XXXX  as a credit vendor because of their issues. I tried to go through the internal dispute process with XXXXXXXX XXXX and they stated they would let me know of their decision within 30 days which they NEVER contacted me 30 days after my dispute by any means, just like they did when the account was opened. 

I have opened disputes also with Equifax, XXXX and XXXX XXXX.
Product: Credit card or prepaid card

ComenityCapital Credit Card Department XXXX XXXX XXXX XXXX, OH XXXX Subject : Removal of Fraudulent Ikea Credit Card from My Profile Dear Sir/Madam, I hope this letter finds you well. I am writing to address a serious issue regarding my credit profile with ComenityCapital. It has come to my attention that there is an Ikea credit card listed on my profile that is fraudulent and was not initiated or authorized by me. I kindly request the immediate removal of this card from my profile as it is negatively impacting my creditworthiness. 

I would like to inform you that I have taken the necessary actions to rectify this issue promptly. Firstly, I have filed a police report for this fraudulent activity, providing all relevant details in an effort to hold the responsible parties accountable. Additionally, I have registered an official complaint with the Federal Trade Commission ( FTC ) regarding this matter. 

As you are aware, the Fair Credit Reporting Act ( FCRA ) ensures the accuracy, fairness, and privacy of consumer information. Furthermore, it empowers consumers to dispute any inaccurate information on their credit reports. Section 611 ( a ) ( 1 ) ( A ) specifically states that credit reporting agencies must promptly remove information upon notification of fraudulent activity. Given the fraudulent nature of the Ikea credit card on my profile, I kindly request immediate action to comply with the law and remove this item. 

I have attached copies of the police report and the FTC complaint for your reference and records. Please acknowledge receipt of these documents and inform me of the steps you have taken to investigate and resolve this matter. It is imperative that this issue is resolved quickly to prevent any further damage to my creditworthiness. 

I request that you provide written confirmation of the removal of the fraudulent Ikea credit card from my profile within 30 days from the date of this letter. Failure to address this matter promptly and accurately may result in further action being taken, including the involvement of legal counsel to protect my rights as a consumer. 

I appreciate your immediate attention to this matter and look forward to your prompt response. Should you require any further documentation or information, please do not hesitate to contact me at the above-mentioned phone number or email address. 

Thank you for your prompt resolution of this issue and for ensuring the accuracy and integrity of my credit profile. 

Sincerely, XXXX XXXX
Product: Debt collection

I moved from my apartment and called XXXX and canceled my service and returned the equipment. They continued to charge me without my knowledge. Only found out about it after it went into collectins. This collection company has been basically harassing me for years now. Have spoken with them multiple times.
Product: Credit reporting or other personal consumer reports

1681i. Procedure in case of disputed accuracy ( a ) Reinvestigations of disputed information ( XXXX ) Reinvestigation required ( A ) In general ( B ) Extension of period to reinvestigate ( C ) Limitations on extension of period to reinvestigate ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. 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. You have 30 days to respond or delete all accounts asap. Account Below Acct # XXXX Account Name XXXX XXXX XXXX XXXX BalanceXXXX {$3600.00} Acct # XXXX Account Name- XXXX XXXX XXXX XXXX BalanceXXXX {$20000.00} Acct # XXXX Account NameXXXX XXXX XXXX XXXX Balance- {$700.00} Acct # XXXX Account Name- XXXX XXXX Balance- {$1200.00} Delete Remove All accounts off credit report
Product: Debt collection

FFAM is requesting debt that I do not owe. I do not know who this company is and I do not have any agreements to pay this company. I have requested proof but have not received it.
Product: Credit reporting or other personal consumer reports

I am writing to urgently request the removal of fraudulent items from my credit report. Despite my previous efforts to resolve this matter, these items remain on my report, causing significant harm to my credit and financial well-being. I have repeatedly provided all necessary documentation, including police reports, identity theft affidavits, and proof of my identity. This documentation clearly shows that these accounts were opened without my authorization and are not my responsibility. I have also been in continuous communication with your agency, yet these fraudulent items remain unaddressed. As per the Fair Credit Reporting Act ( FCRA ), I am entitled to an accurate credit report, and it is the 3 credit bureaus 's legal obligation to remove any information that is found to be inaccurate or fraudulent. I demand the immediate removal of these fraudulent accounts and any related inquiries from my credit report. The fraudulent items in question are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$7700.00} 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediatel
Product: Checking or savings account

I initially invested in a 7 ye ar CD with Discover Bank. The CD matured a  nd I allowed it to be automatically reinvested in another 7 year CD with Discover. I decided to close the CD and understood that I would incur a penalty for early withdrawal. My previous documentation from Discover Bank stated that early withdraw penalty would be 15 months simple interest. After closing the account I was told that I would have to pay 24months simple interest for a penalty. I never received any documentation from Discover Bank bef ore the renewal indicating the change in terms. I just received a letter saying it was renewed with the new interest rate. I feel the penalty was excessive which actually cut into my principle. They not only use money for free 16 months but decided to take a little extra for themselves. My main complaint is that Discover Bank never sent information of the change in term s of the CD rene wal.
Product: Mortgage

I had 5/3 bank as my mortgage company, I recently refinanced and at the time of refinance the settlement company paid my school taxes because 5/3 bank didnt take it out yet. As soon as the settlement company sent the check out so did 5/3, but the settlement company checked cleared first so the money went back to 5/3. This was back in XX/XX/2024. The check was for a little over {$3400.00}. Ive been trying to get that check since the end of XXXX beginning of XXXX. 5/3 claims they sent XXXX checks out since. I just want my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Experian and XXXX XXXX showing payments and delinquents on my reports and that is incorrect information. XXXX XXXX  got paid in full
Product: Bank account or service

Costco changed credit card service to Citi Anywhere XXXX. I signed up for paperless billing and in XXXX received the first email alerting me of a balance and payment due. It also contained {$25.00} late charge. Upon phone call to Citi I was informed that I did not receive my first bill in XXXX because I had not signed up for bill alert notification. Interesting that once the late charge was added suddenly they sent me an email that I had a bill due. This is very deceptive and improper business practice. Anyone dealing with Citi beware.
Product: Mortgage

Today XX/XX/XXXX I called PennyMac to make our monthly mortgage payment through the automated phone system and it said our payment was {$1400.00}. instead of our usual payment of {$1000.00}. We have not received anything via email nor through USPS. The automated system said taxes had been paid on XX/XX/XXXX. 
We then called PennyMac to ask what was going on and we could not get a clear answer as to why our payment had changed so drastically. 
We assumed this loan on XX/XX/XXXX and paid over {$4600.00}. in closing costs, taxes and insurance. 
PennyMac has been very difficult from day one since trying to assume this loan from our daughter and her husband. I feel they charged us unnecessary fees as my husband was a co-signer on the loan when we assumed it. It took from XX/XX/XXXX to XX/XX/XXXX to simply assume and close on this loan. The assumption fee was much higher than we were told at the beginning of the loan. 
We told the gentlemen we wanted to make our usual payment of {$1000.00} and he said there would be a {$15.00} fee for paying via phone through a representative because the automated system would not accept any payment except the amount of {$1400.00}. I do not think in this situation we should have to pay a late fee. This is a problem they need to correct and send us information via mail as to why and what is going on.
Product: Checking or savings account

On XX/XX/XXXX24 I experienced a deposit issue in my payroll check not being in my account. I went to HR to see if the issue was in their end. I was told my funds were approved and sent to my bank ( capital one ). I called the bank and immediately I got an automated response saying their having technical difficulties with deposits. As of XX/XX/XXXX the automated system is still saying they are trying to resolve issue. In the meantime I have bills ( credit cards ) from capital one that are now being hit with late fee and missed payment because my deposit was affected by the outage
Product: Credit reporting or other personal consumer reports

My account with ( CREDITOR NAME ) was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( 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 section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

( CREDITOR NAME ) Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting

EXPERIAN HAS NOT UPDATED MY XXXX XXXX LINE OF CREDIT ACCOUNT WITH A CREDIT LIMIT OF XXXX TO REFLECT A ZERO BALANCE AND ZERO MONTHLY PAYMENT. ****************THEY CAN NOT DISPUTE ACCOUNT AS MORTGAGE COMPANY DOES NOT ALLOW ANY DISPUTES ON ANY TRADE LINES ON ANY CREDIT BUREAUS***************** THEY NEED TO PICK UP THE PHONE AND CALL XXXX XXXX XXXX XXXX DIRECTLY! IF EXPERIAN JUST OPENS UP ANOTHER DISPUTE, THEY WILL CAUSE EVEN FURTHER MASSIVE PROBLEMS AS THERE CAN NOT BE ANY DISPUTES ON MY CREDIT REPORT AND BESIDES THAT, IT WOULD TAKE 30 DAYS. TIME IS OF THE ESSENCE***** THEY NEED TO PICK UP THE PHONE AND MANUALLY REMOVE THIS BALANCE. 

I SENT IN A LETTER FROM XXXX STATING THIS ACCOUNT WAS PAID OFF AND EXPERIAN TOLD ME IT WOULD TAKE 24-48 HOURS TO UPDATE AND IT HAS BEEN OVER 2 WEEKS! 

I AM CLOSING ON A MORTAGE ON XXXX/XXXX/2015 AND THIS MUST SHOW UP AND PAID IN FULL AND ZERO CURRENT BALANCE ASAP.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX SSN : XXXX DOB : XX/XX/XXXX XX/XX/XXXX Subject : Dispute of Charged-Off Account Dear Sir/Madam, I am writing to formally dispute the charged-off account listed on my credit report under : XXXX FIN # XXXX I recently reviewed my credit report and noticed that this account is being reported as charged off which I believe is inaccurate and misleading. 

I would like to bring to your attention the following points regarding this account : 1. Incomplete or Inaccurate Reporting : The information provided in the credit report regarding these accounts is incomplete and inaccurate. It fails to reflect the correct details of the account, including the original account balance, payment history, and subsequent account activity. I request that you thoroughly investigate this matter and ensure that the information reported is complete, accurate, and up to date.

2. Verification of Debt : I request that you provide me with the necessary documentation to verify the existence and validity of this debt. This includes the original signed contract or agreement, details of any payments made, and a record of the account 's transaction history. It is my right as a consumer to receive this verification, as stated in the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

3. Statute of Limitations : Please note that the statute of limitations for collecting this debt may have expired. I urge you to verify the applicable statute of limitations for this account and confirm whether the reporting of this charged-off account is in compliance with the relevant state laws.

4. Resolution : I hereby request that you promptly investigate this matter and take appropriate action to correct the inaccuracies in the reporting of this charged-off account. If, after your investigation, you find that the information is incorrect, I kindly request that you remove the account from my credit report entirely.

Please provide me with a written response within 30 days of receiving this letter, as mandated by the FCRA. If you are unable to complete the investigation within this timeframe, please inform me of the delay and provide an estimated date of resolution.

Furthermore, I would like to request that you notify all other credit reporting agencies to which you have provided this inaccurate information about the dispute and the action taken to rectify it. 

I look forward to your prompt attention to this matter and the resolution of this dispute. Please consider this letter as a formal request for investigation under the FCRA. 

Thank you for your cooperation. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/2021, I made a payment in the amount of {$300.00} to my Capitol One credit card. The payment cleared my bank on XX/XX/XXXX. The payment is reflected in my card balance on their website, yet my available credit has not changed. They are telling me it won't be updated until XX/XX/XXXX, and they have stated that this has always been their process. This has not, however, ever been the case with previous payments. I had a transaction denied because of this. Is it legal for them to do this? I have confirmed that my credit card account is still open and my limit has not changed.
Product: Checking or savings account

Your opening questions do not apply to my specific complaint but I had to choose to move forward.

Trying to transfer office of account to office I regularly use rather than one 40 miles away.

Over 1 yr ago attempted to change by visiting branch. Paperwork submitted by branch & approved. Change never took place. Several visits back to branch with no resolution. Wrote corporate & received phone message they would be reaching out to me. I replied & waited. 
I then wrote to Dept of Financial Services in XX/XX/XXXX @ address posted in branch to which to file complaints. RECEIVED WORD BACK THAT THE OFFICE TO FILE COMPLAINT WITH AS POSTED IN THE BANK IS NOT THE OFFICE TO COMPLAIN TO. Received word back that I had to contact your office. The notice included your address in XXXX, IA. I wrote to you at the end of XX/XX/XXXX only to receive that correspondence back today indicating forwarding time expired. I then went on line for mailing address & found this means of filing complaint. 
Hope Im able to add attachments as required.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am having issues with my information on my file. I have several address that I never lived at on my credit report. My current and only address is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX. Please delete the following addresses the are not mine : XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, WI XXXX XXXX XXXX XXXX XXXX XXXX , OH  XXXX XXXX XXXX XXXX XXXX XXXX , OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX , OH XXXX XXXX XXXX XXXX XXXX XXXX , TX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX   XXXX, OH XXXX I have a unverified account the I never done business with XXXX  XXXX # XXXX or XXXX/XXXX XXXX # XXXX.
Product: Credit reporting or other personal consumer reports

I've sent out multiple letters to XXXX XXXX XXXX Equifax but they are not complying with 15USC 1681e ( b ) ,15 USC 1681S-2, 15 USC 1681i ( 5 ) & 15 USC 1681c ( c ) After doing some extensive research i was informed that CFBP has started a lawsuit against these " agencies " for sham investigations in credit reports Longwith inaccuracies, these agencies don't properly report or investigate and fails to remove inaccurate information from reports even after receiving disputes from consumers
Product: Credit reporting, credit repair services, or other personal consumer reports

i have been seeing on my credit report and account i have with  XXXX   XXXX   XXXX  has been showing negative. i did make a late payment for the first time since i had the card in  XXXX     2016  but never missed any payments since and have aleady paid  XXXX  bill and not due until the  XXXX .  XXXX   XXXX   XXXX  is blaming the credit  XXXX  and  XXXX  is blaming  XXXX   XXXX
Product: Checking or savings account

I am writing to file a complaint against Navy Federal credit Union regarding the multiple overdraft fees I have occurred despite having sufficient funds only transactions were authorized I was charge fees due to the lag and posting charges and credits this issue aligns with the XXXX fighting against Navy Federal for similar practices which transactions were settled with insufficient balance initially despite initial availability funds I believe that these practices are unfair and request my account to be investigated
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear CFPB, I filed a complaint against TransUnion two days ago, XX/XX/XXXX, regarding an account listed as XXXX/XXXX  XXXX XXXX on my credit report ; complaint # XXXX. In my complaint I requested information regarding how TransUnion validated an account with XXXX/XXXX XXXX XXXX that was purportedly sold to Navient in XX/XX/XXXX. 
This evening ( XX/XX/XXXX ), I received an alert from three credit monitoring services that I use stating that a new negative trade line account was reported BY TransUnion. I looked at the account and TransUnion updated the account from PAID/CLOSED to OPEN/60 DAYS Late, dropping my credit score 50+ points. 
I do not believe this account change was done by accident, I believe it was an intentional act of retaliation by TransUnion as a result of my initial complaint, two days ago.
Product: Mortgage

Regions banking officials denied my loan request based on age, gender and race. 
My full explanation has been forwarded,