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

On XXXX, XXXX, XXXX my phone and wallet were robbed from me in XXXX XXXX and my Capital One debit card had unauthorized use at an ATM and a store. The ATM withdrawal amounts totaled, {$900.00}, {$1000.00}, and {$100.00}. Another {$1000.00} was used at a XXXX XXXX XXXX. I was left helpless without a phone and wallet and I filed XXXX fraud claims with capital one, for the ATM withdrawals and the store purchase as soon as possible. Originally I was credited the amount and not asked for anything else. On XX/XX/XXXX I received an email that both my claims were denied and I called filed a dispute and was told to provide a police report which I did. I have not heard the action of that dispute.
Product: Credit card or prepaid card

My direct deposit was processed and sent to Amex serve on XX/XX/18. I spoke with the CEO of our company whom confirmed with the bank that it was sent over to American Express Serve and they accepted it. 

This is the third time this has happened. The second time it happened i waited 7 days for my money and American Express deposited {$50.00} good faith credit in my account without speaking to me and sent me a letter of apology. This time i am afraid as i have rent to pay in less than 48 hours. I am in tears and i cant get through to anyone in customer service i have been trying since yesterday.
Product: Checking or savings account

I get paid from capital one at XXXX Thursday every week. I did not receive my deposit/paycheck yet and its going on to Saturday.. Im highly mad. My bills are late & Ill be having to pay multiple LATE FEES due to not receiving my money or any information from the bank I have an account with.
Product: Mortgage

Quicken Loans had been taking our mortgage payments but not applying them to our loan or balance. They had intentionally misapplied our payments to a suspense account for over 13 months which reached over {$10000.00}. This caused us to pay interest on a higher balance than we should have, if they had applied the payments in an accurate and ethical manner. It took over 2 weeks of calling their office and eventually contacting the executive office to get the funds applied. However, Quicken Loans has yet to refund us for the amount we paid in interest due to their illegal practices. They also falsely stated to HUD that we were not paying our mortgage and that we were delinquent, which caused many issues in our process of buying a new home.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following items were disputed and I was never notified of the results in the alloted timeframe and they simply removed the disputes online and there were no way to check the results. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$4600.00} - 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 XX/XX/XXXX {$660.00} - XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Negatives XXXX XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

This company IQ DATA INTERNATIONAL with account XXXX XXXXXXXX and a balance of {$5300.00}. The original creditor is XXXX XXXX XXXX XXXX FL is reporting a fraudulent inaccurate report information on my credit report. I have requested that they provide the purchase agreement to show full ownership of such account and also other documents so I may review to see if this is actually an account that belongs to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi CFDP, I sent the credit bureau a letter asking them to verify the debt on my report with certified mail ( certified mail slip attached ) Regarding account : XXXX XXXX XXXX XXXX They have responded stating that everything is verified correctly. The credit report is still showing inaccuracies so I would like this resolved with my rights protected by 15 U.S.C 1681s-2 ( A ) ( 1 ). 

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. 

Information completely inconsistent need to remove item from my reports.
Product: Credit card or prepaid card

On XX/XX/2019 I called Chase to close all three of my credit card accounts. The balance was already XXXX on two of the accounts. On XX/XX/XXXX, I made the payment of XXXX to close the third account. I called Chase to process the payment of XXXX for the third account and request Chase close all three of the accounts. The Chase operator spent significant time talking me out of closing the accounts, with a specific focus on keeping the one which I was making the final payment on open. I was clear and stated that I wanted all three of the accounts closed and ensured that the XXXX would close all the counts. After much conversation back and forth Chase verbally agreed and confirmed closing the accounts. Chase also confirmed that the account was closed and that there were no additional fees or interest charges to the account. 

On XX/XX/2019 I received a late notice for the Chase account which I had made the XXXX payment, plus Chase had added additional fees. The overdue amount was for an interest fee charge of XXXX cents, and the late fee was XXXX. 

I have paid the XXXX cents. I am concerned that Chase did not close my accounts when asked, and that they went to such effort to keep them open despite my repeated requests. My efforts to close my accounts, now that they were settled, were met with opposition at every level resulting in them not actually being closed. 

I would like all my Chase accounts to remain closed, and to not accrue any additional fees for them.
Product: Credit reporting or other personal consumer reports

Equifax is reporting the following accounts which are older than XXXX XXXX XXXX on my credit report. This illegitimate reporting is unlawful and detrimental to my ability to obtain credit and ensure that my credit report is complete and accurate and consistent with consumer law. Please see accounts below : Account : XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX Account : XXXX XXXX Account Number xxxx # # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX Account : XXXX XXXX Account Number : xxxx # # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX Account : XXXX XXXX Account Number xxxx # # Reported Balance {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, SC XXXX Account : XXXX XXXX Account Number xxxx # # Comments Contact XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX. 
Account XXXX xxxxxx XXXX XXXX, XXXX. 
XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Account : XXXX XXXX XXXX Account Number xxxxx XXXX Reported Balance {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX
Product: Checking or savings account

This letter is to complain about service I recently received from an M & T Bank branch in XXXX, NY. On Wednesday, XXXX XXXX at around XXXX XXXX, I had used the outdoor ATM drive-thru at M & T Bank, ( XXXX XXXX XXXX, XXXX New York, XXXX. ) Since I had dropped something on the ground. I backed up my car to retrieve it, and when I checked the ATM, it had swallowed my card. 
My bank card is issued from XXXX bank, my branch is at XXXX XXXX, XXXX XXXX, NY, XXXX. I immediately went into the bank branch to retrieve my card, and was told that customer service would not return my card to me. They told me that the bank policy is to destroy the card since it was from a non-M & T bank. 
I was very angry and frustrated. This did not seem right to me, as I had all of my identification and would have been able to easily prove that I was the owner of the card. This has happened before once or twice in my life, and the bank in question has always been cordial. ( This happened to my wife at XXXX last year using a non-XXXX  card, and the bank returned her card by the end of the day to her. ) Your employees at M & T bank, however, were rude, unreasonable, and completely unhelpful. Normal policy or practice would seem to be to help the customer. 
Although I have received a new card from my bank, I am not pleased about the service that I received at your bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, Ohio XXXX. 
XXXX XXXX XXXX reported to the Credit Bureau that my account was 30 to 60 days delinquent and late when in fact it was not late at all. I made a credit card payment to XXXX XXXXXXXX XXXX in the amount of {$33.00} payment on XX/XX/XXXX which then left a {$18.00} total balance due - I then paid the {$18.00} to XXXX XXXX XXXX on XX/XX/XXXX bringing my account to a XXXX balance. XXXX XXXX XXXX reported my account delinquent and late on XX/XX/XXXX without even checking to see I made a {$33.00} payment and that my account was not past due or delinquent and up to date - I feel that XXXX XXXX XXXX is using unfair bullying tactics to scare and intimidate the credit card holder. XXXX XXXX   should have checked my account balance prior to them reporting any amounts past due or delinquent. The amount XXXX XXXX XXXX reported to the Credit Bureau was done in BAD FAITH and was done to punish me and hurt my credit score. Since XXXX XXXX XXXX reported this false past due and delinquent account - my credit score has dropped well over 120 points. Please notify them to correct this unfair and false reporting to the Credit Bureau as soon as possible. Thank you.
Product: Credit reporting or other personal consumer reports

I have sent Equifax letters since XXXX of 2023 and they are no help, they claim my letters are frivolous and not coming from me even though I sent my last XXXX of my social security # a copy of my photo ID and address verification. They have not done what I have instructed them.
Product: Credit reporting or other personal consumer reports

I am writing to formally address the ongoing noncompliance of your agency in relation to my identity theft report, which I previously submitted in accordance with the Fair Credit Reporting Act ( FCRA ). Despite having sent several letters, your agency has repeatedly rejected my identity theft report on the grounds that it was not filed by a law enforcement agency. This decision is not in compliance with the FCRA and fails to recognize the guidance provided by XXXX as mandated by the Consumer Financial Protection Bureau ( CFPB ). 

As you are aware, the FCRA at Section 605B and the guidance provided by the CFPB under XXXX clearly outline the process for filing an identity theft report. The CFPB specifically states that victims of identity theft can file a report directly through XXXX, which then becomes a valid identity theft report under the FCRA. Nowhere does the FCRA require this report to be submitted by law enforcement for it to be valid. 

Furthermore, under FCRA Section 617, your agency is legally required to investigate and resolve any identity theft dispute in a timely manner, and you are prohibited from deciding unilaterally what is valid or invalid when it comes to an identity theft report that has been properly filed. Your refusal to acknowledge this report based on your own standardsrather than what is set forth in federal lawis a clear violation of the FCRA. 

Legal Precedent : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) : This case underscores the importance of proper handling of disputes related to credit reporting and emphasizes that credit reporting agencies can not disregard information simply based on their own internal policies when federal law mandates a specific process. 
XXXX v. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) : This case reinforced that credit reporting agencies must follow FCRA regulations, including investigating claims of identity theft in accordance with the law, and can not arbitrarily determine what constitutes an acceptable identity theft report. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) : This decision clarified that a credit reporting agency is obligated to accept documents submitted by the consumer, as long as they meet the legal requirements for disputing inaccurate information under the FCRA. 
XXXXXXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

So I am looking on my XXXX XXXX and XXXX credit report on XX/XX/XXXX and I see I have 2 student loans from Nelnet that were taken out under my name on XX/XX/XXXX one amount for XXXX $ and another amount for XXXX $ both on the same day. I have never in my life taken out any kind of student loans this is 100 % and I have no idea what to do from this point.
Product: Credit reporting or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with EXPERIAN, XXXX AND XXXX CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : 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
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found an item on the report that is inaccurate. The account in question is listed below. The following accounts reflect on my Equifax credit report as account status derogatory and payment status wage earner plan, which is not accurate. 

DPT EDXXXX ACCOUNT # XXXX DPT EDXXXX ACCOUNT # XXXX DPT EDXXXX ACCOUNT # XXXX DPT EDXXXX ACCOUNT # XXXX DPT EDXXXX ACCOUNT # XXXX DPT EDXXXX ACCOUNT # XXXX DPT EDXXXX ACCOUNT # XXXX DPT EDXXXX ACCOUNT # XXXX DPT EDXXXX ACCOUNT # XXXX DPT EDXXXX ACCOUNT # XXXX DPT EDXXXX ACCOUNT # XXXX DPT EDXXXX ACCOUNT # XXXX DPT EDXXXX ACCOUNT # XXXX
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX 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 60 days 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. 


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

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to Human Trafficking debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of human trafficking of Debt Bondage and would like for all listed accounts to be blocked and deleted this off of my credit report which is shown on XXXX. The Account that must be blocked and deleted is XXXX XXXX All documents is listed below Pic of Drivers license Proof of address Determtion letter from a NGO 605C Self Attestation Form
Product: Debt collection

I get calls from Portfolio Recovery multiple times a day from early in the morning to late at night and they continue to call me from multiple numbers and harass me daily
Product: Student loan

I never agreed or signed documents for a loan with tjis company. Now they are appearing on my credit. I was denied home loan because of that.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian failed to give me a explanation into a dispute i summited to them XX/XX/2022. XXXX account in question and they added an extra account without giving XXXX proper notification. Everytime i submit a dispute woth experian they never ever give me a reason why they update the accounts in question. I have the letter i sent them and they violation i presented to them. They continue to ignore my eequestion in vioolation of FCRA. 

Other disputes i have had with Experian the creditor would send me and email stating they need more information. In this case the crditor never sent an email to request more information. 

XXXX XXXX XXXX stated XXXX XXXX, XXXX and Experian have discraded disputes without investigation. This is the case with me. 

Experian has been doing this to me for the last XXXX years, because im tryi g to purchase a house and experian is the only credit bureau that disregards the FCRA laws. I have had everthing experian is saying updated from XXXX and XXXX. XXXX is in clear violation of the FCRA laws. With this being said they need to remove all XXXX accounts of XXXX XXXX and the extra account that the same as oone of the XXXX accounts. Attached is the leterr and the laws experian has violated. Experian has a tendency of giving generic replys to me. Please help me we found a house we woyld like to purchase and experian is violating the laws and stopping my family to have a home. Thank you
Product: Checking or savings account

I am writing to report a fraudulent transaction issue with my bank. After I discovered the unauthorized charge on my debit card, I immediately notified the bank and reported the issue. Despite my prompt action, the bank has refused to reimburse me. 

The key details of my case are as follows : XXXX XXXX : The charge was {$1200.00} at XXXX XXXX, which I did not authorize. 
XXXX XXXX : I contacted the bank as soon as I noticed the transaction while it was still in a pending state. 
Banks Refusal : Despite being informed promptly, the bank has refused to refund the unauthorized transaction. 
I have also filed a police report regarding this fraud and can provide it as supporting documentation. I kindly request the CFPB to investigate this matter and assist me in recovering my funds. 

Desired Outcome : I request a full refund for the unauthorized transaction, along with a clear explanation as to why the bank failed to act while the transaction was still pending.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to Experian in regards to an account listed on my credit report requesting validation that this debt is in fact mine. Experian claims to have validated this account on several instances, but did not send me proof of how they validated this alleged debt or who validated this debt as requested. Below is listed the days I sent letters to Experian seeking proof of this debt : Experian XX/XX/2020, XX/XX/2020, XX/XX/2020 Experian continuously violates FCRA laws by not properly validating this alleged debt and refuse to remedy this account. 
The account number is XXXX ( {$2300.00} )
Product: Credit reporting or other personal consumer reports

This letter serves as my final attempt to resolve this matter before escalating to legal proceedings. Despite multiple previous disputes and my clear evidence that these accounts are inaccurately reported, you have failed to remove the erroneous information from my credit report. Your continued reporting of these items is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 
Violations include but are not limited to : Failure to Conduct a Proper Investigation : As required under 15 USC 1681i ( a ) ( 1 ), credit reporting agencies must conduct a reasonable investigation of any disputed items. Your investigations have clearly been inadequate, as the same inaccurate information remains on my credit report.

Reporting Inaccurate Information : Under 15 USC 1681s-2 ( a ) ( 1 ), furnishers of information are required to provide accurate information. These accounts are incorrect and have not been verified with my signed consent.

Failure to Respond to Dispute : As per FCRA 611 ( a ) ( 1 ) ( A ), you are required to respond to disputes within 30 days. Your repeated failure to adequately address my disputes is unacceptable.

I have provided clear evidence that the accounts listed below are not mine and should not be reported under my credit file :
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a bankruptcy on my credit report report. I have disputed this item and they will not remove this item from my credit report. I dont have a bankruptcy and this item is not accurate. Experian has failed to remove this item from my report and furnish me with the information of where they received this reporting from. I have proof that this item is not mine nor accurate. Also, the comenity bank account should be removed from my report as well. I have a resolution agreement directly from the creditor. I did not authorize them to access my credit as well.