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

I had bought a XXXX 15 inch laptop from XXXX 's online store on XX/XX/XXXX. It was shipped and was suppose to be deliver by XX/XX/XXXX. When I got home that day and check my status of the shipment it said delivered " left on porch ''. I went outside of my condo to check but did not see anything. I called XXXX and they said that the system might not have updated correctly and to wait a few days. I check the next few days each time i came home and looked for the packaged but it was not there, i had asked my neighbors if they had seen or signed for it, they stated no. I called XXXX XX/XX/XXXX, they told me to contact the sender since only they can initate a lost claim. I called XXXX on XX/XX/XXXX to see if they could help me ( email chain attach ). I got an answer by XX/XX/XXXX that said they confirmed it was delievered, I email XXXX and asked if anyone had signed for it, so that i can track it down, XXXX did not respond to that email, when i had called they stated that XXXX will give me that info. When i contacted XXXX they stated only the sender can request that info. I emailed XXXX about that, but XXXX did not respond. I then contacted the credit card company ( Chase Sapphire Reserve ) to find out what my options where, this was on XX/XX/XXXX or so. I had asked if i should dispute the charge or if i should file a stolen item, they stated to file a dispute, i told them that i do not dispute that i charge for the item and i do believe that XXXX had ship the item and that it may have been stolen, but i was once again told to file a dispute. So i filed a dispute with them. I then got an email from the chase website asking for any communication i had with XXXX, which i provided. About a month later i get a letter from Chase informing me that the charges were authorize and the billing was done correctly. I called ( XX/XX/XXXX ) chase to tell them that I do not dispute that the charges were billed correctly, but that I had not gotten the item. The Chase representative told me that I should've filed a stolen/lost item claim, however at this point it has been over 45 days and they can no longer process that claim. I feel that this is unfair, as I have reported everything at the start, I tried working it out with XXXX, then Chase told me to file a dispute instead of a stolen/lost item, and now it is my fault for not filing it in a timely manner.
Product: Debt collection

I have no knowledge of this creditor or debt. It is reporting as an open account to the credit bureaus and is negatively affecting my credit profile.
Product: Money transfer, virtual currency, or money service

I do not have a Chime account. 

I am reporting fraud of $ XXXX by someone with a Chime account using my name trying to withdraw from my XXXX account. This person gained illegal access to my XXXX account and inserted his Chime account as the withdrawal method. He then sold cryptocurrencies and withdrew to this Chime account. 

I called Chime customer support but the rep said Chime can not help unless I know the ssn/dob of the account. It is not possible for me to guess that info but I'm sure there's a way for Chime to determine which account using my name is stealing my money. All I have are the exact withdrawal amounts. I do not find it reasonable that call center agents can not transfer me to someone with the tools to investigate this. The only search tool they use is SSN/DOB.

I have also reported to the FBI.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The following accounts are violating my rights. 

XXXX XXXX CO Reported XX/XX/2022 {$10000.00} Outstanding  XXXX XXXX  XXXX Reported XX/XX/2022 {$210.00} Outstanding  XXXX XXXX XXXX Reported XX/XX/2022 {$160.00} Outstanding  XXXX XXXX XXXX Reported XX/XX/2022 {$130.00} Outstanding XXXX XXXX XXXX Reported XX/XX/2022 {$84.00} Outstanding XXXX XXXX XXXX Reported XX/XX/2022 {$42.00} Outstanding  XXXX XXXX Reported XX/XX/2022 {$0.00} Outstanding 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 an account without my written authorization.
Product: Credit reporting or other personal consumer reports

Dear Equifax Dispute Department, I am writing to formally dispute the following accounts that have been inaccurately reported on my credit file. These accounts do not belong to me, and I request their immediate removal : XXXX XXXX XXXX XXXX XXXX XXXX These accounts were reported in error, and I am requesting their removal under the Fair Credit Reporting Act ( FCRA ). Please initiate an investigation and correct this misinformation as soon as possible. 

I would appreciate a written confirmation once these items have been removed. If you require additional information, please contact me at your earliest convenience. 

Sincerely,
Product: Credit card

Hi, I made a payment to my credit card in the amount of {$3700.00} and an other of {$100.00} ( the full statement balance ). These payments were made on Friday XXXX XXXX 2016. My husband two hours later made a payment of {$240.00} to his credit card ( the full statement balance ). All payments were paid by my external XXXX XXXX ; XXXX XXXX XXXX XXXX on Monday XXXX XXXX 2016. My husbands credit card was paid and the balance currently is showing {$0.00} and a full credit line. However, my credit card is reflecting {$67.00} available credit, this even after being charged {$51.00} in interest. 

Today I had my husband call Capital One to find out why his Capital One account would have money applied accurately and timely and mine was not. He spoke with a " Supervisor XXXX '' who 's Agent ID was identified as XXXX. She indicated that she did not know why, but that Capital One 's policy is that they can hold money for four ( 4 ) days. XXXX could not identify what indicators would trigger this business practice. XXXX also indicated that Capital One has reported to the Credit Bureaus that my current balance is {$180.00}. My husband voiced his concerns that this policy is an unfair and deceptive business practice when applied arbitrarily without rhythm or reason nor justification. My account has never been paid late, considered a slow pay account or otherwise given any trigger that I am not an honest, credit worthy, credit responsible customer. XXXX 's response was she was following Capital One policy ; or politely saying she did n't care nor does Capital One! 

My concerns are, Capital One holding funds, then charging interest though the statement balance was paid in full, is not only unfair but deceptive. Capital One reporting to the credit bureaus that payments were made in the amount of {$3800.00} but an available credit of {$51.00} could impact my debt to income ratio and lead to potential lenders in their underwriting processing questioning my credit worthiness. This is not only deceptive but unfair. Is this because I am female and do not make the income of my spouse or my male counterparts at Capital One? Do they enforce these same practices with their own employees or executives? They did not with my husband! Last, when asked to speak to XXXX 's supervisor or to someone on Capital One 's Corporate Escalation Team, she refused. XXXX 's actions demonstrated that she did not care about my issues or in resolving my concerns. I 'm very disappointed with Capital One and their poor customer service. 

HC
Product: Credit card

MY CARD WAS STOLEN AND WAS USED FOR XXXX XXXX TRANSACTIONS. THE FIRST TRANSACTION WAS MADE ON XX/XX/year> FOR XXXX AND THE 2ND TRANSACTION FOR XXXX. I CALLED XXXX XXXX TO DISPUTE THE TRANSACTIONS AFTER I RECIEVED THE EMAIL CONFIRMATION FROM XXXX TO EXPLAIN TO THEM THAT ITS FRAUD. XXXX VISA DEPARTMENT FILED A CLAIM AND THEY DENIED THE CLAIM. THEY SAID THAT IT WAS ME THAT MADE THE TRANSACTIONS BASED ON MY EMAIL ADDRESS AND PHONE NUMBER. I EXPRESSED TO THEM THAT MY PHONE NUMBER AND EMAIL IS LINKED THROUGH THAT ACCOUNT BECAUSE OF MY FAMILY MEMBERS DO NOT SPEAK XXXX AND THEY SEND EVERYTHING TO MY ACCOUNTS. I REQUESTED XXXX VISA CARD TO REOPEN THE CLAIM AS I DID NOT MAKE THE XXXX TRANSACTIONS AND I REFUSE TO PAY FOR TRANSACTIONS I DID NOT MAKE.
Product: Credit reporting, credit repair services, or other personal consumer reports

Sent dispute letters via certified mail on XX/XX/2022 to Transunion disputing items on my credit report that are not mine. Transunion received & signed for the certified documents on " XX/XX/2XXXX XXXX XXXX. '' All proof is provided in the uploaded documents. 

Per my letters, " If you verify the information, please respond with verifiable proof of an original consumer contract with my signature that you have on file as of this date that you used to verify the accuracy of the accounts listed above. Unverifiable accounts must be removed. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed above within 30 days from the date above this letter, then you must remove these accounts from my credit report immediately. '' Transunion response, " this account is verified, '' while failing to provide requested legal verifiable documentation is an immediate violation of my consumer rights under FCRA 15 U.S.C. 1681i.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with fair credit reporting act XXXX XXXX XXXX # XXXX And XXXX XXXX XXXX closed A/c # 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 states a consumer reporting agency can not furnish account without my written instructions.
Product: Credit reporting or other personal consumer reports

" In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681. Section 602 states I have the right to privacy and Section 604a prohibits furnishing an account without my written instructions. Under 15 USCS 1666b, a creditor may not treat a payment as late for any purpose. Please immediately remove this inaccurate, unlawful late payment from my credit report. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

I Unauthorized inquires on my credit report. That was not authorized by me. 


Transunion XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card or prepaid card

XX/XX/2020 XX/XX/2020 I tried to call Barclays Credit Card department but their phone system is busy and unable to reach a representative quickly. Waiting time was long over 1 hour then I decided to send a message to them at my credit card account online. My major request was addressed to replace a new credit card after fraud charges by XXXX XXXX incidents. I contacted XXXX XXXX and they resolved this issue and credited all back to my credit card account. Barclays ignored my messages XX/XX/2020 and XX/XX/2020 and refused to process my request for a replacement new credit card with new digits. They failed to protect me as a consumer and card holder. 

Since 2 months past and there is a lack of attention and a full ignorance by Barclays Credit Card Department with my request for a new credit card after fraud incidents with XXXX XXXX. 

I attached 2 files as evidence about Barclays ' negligence and bad customer service.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. 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  - XX/XX/2021 XXXX XXXX XXXX - XX/XX/2XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 15 USC 1681 Section 602 A- States I have the right to privacy.

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years. 

15 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 has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint regarding a blatant violation of the Fair Credit Reporting Act ( FCRA ) under **15 U.S.C. 1681 ( b ) ( 2 ) ** and **15 U.S.C. 1681 ( q ) **. On XX/XX/year>, an unauthorized credit inquiry from XXXX XXXX was made on my XXXX credit report. This inquiry occurred without my consent, written authorization, or any permissible purpose, as required by federal law. I have not engaged in any transaction with this company nor granted permission for them to access my credit report, making this inquiry unlawful under **15 U.S.C. 1681 ( b ) ( 2 ) **. Furthermore, **15 U.S.C. 1681 ( q ) ** prohibits obtaining a consumer report under false pretenses, which directly applies to this situation. Please consider this matter urgent. I trust the Consumer Financial Protection Bureau will take immediate and decisive action to enforce the law, rectify this harm, and ensure that my rights under the FCRA are fully respected. I have attached a copy of my credit report circling the disputed inquiry.
Product: Credit card or prepaid card

I received a late charge from my Capital One credit card which had a XXXX balance at the time. A charge was made by XXXX XXXX XXXX to my Capital One card  that was NOT authorized. The XXXX XXXX XXXX account was frozen at the time and should not have been charged to my Capital One account. The charge went through and since the Credit Card was at a XXXX balance before I was unaware that there was now a balance. I got no notification from capital one that there was a late payment due to this charge from XXXX XXXX XXXX. Once i figured out that there was a balance on the card that is now 30 days late. I immediately paid the balance which was only about XXXX dollars and let Capital One know what happened. Capital One refused to reverse any negative report they reported to the credit bureaus. After years of having 100 % on time payments I now have this one late payment that has tremendously impacted my credit. This is wrong and needs to be corrected. I never authorized the charge that ended up putting my account late. Please remove this from all credit bureaus. 

The account in question is : Capital One USA NA Account XXXX For the month of XX/XX/2018 2018
Product: Mortgage

Please read the attached documents outlining my concerns and response to  Dovenmuehuel  Mortgage. I have been put 30 days past due  in all  XXXX -credit bureaus and  XXXX  for a problem the   XXXX   XXXX   XXXX   XXXX  has owned up to and provided me with a letter to submit  to Dovenmuehuel.    Dovenmuehuel refuses to remove the derogatory information from my credit reports, and this has destroyed my credit worthiness and score respectively. After numerous conversations with Dovenmuehuel, I  have been told to live with it, because they do not have to change anything in my credit report because it is correct, regardless of the fact that another financial institution created the mistake.     I am in desperate need of assistance here. Thanks to  XXXX , with CFPB, she coached me on how to submit a complaint and work to get this matter turned around.      Dovenmuehuel has destroyed my perfect payment history with the credit bureau, along with my credit score. Because it is a VA mortgage and now shows 30 days past due one-time, I can not even refinance at a higher interest rate just to move my mortgage away from Dovenmuehuel. It is sad that the se high-powered institutions can destroy your credit and your life overnight, and laugh about it as it happens.     Sincerely,  XXXX   XXXX   XXXX ,  XXXX .
Product: Debt collection

recieved an email with the following text " XXXX sent you an invoice for {$780.00} Overdue since XX/XX/2023 We are happy to report that your order has been received and is being processed. The amount has been debited from your source account, If you got any queries regarding your purchase please inform our customer executives at the given number '' from XXXX XXXX on XX/XX/XXXX. It also provided a phone number XXXX ( XXXX ) XXXX and this is the link to the webpage of the email : XXXX XXXX XXXX I do not have any business with this company so it is definitely not a real issue.
Product: Checking or savings account

Bank of America. Account. Account number is XXXX. The bank closed my account without noticed me. I dont own the bank moneys. My child tax credit deposit in this account. I have good credit score.
Product: Credit card

In XXXX, 2015, I received notice that the interest rate on XXXX of my Guaranty Bank credit cards through Elan Services, was going to nearly double without any justified reason. I sent in a written notice as was procedure that clearly stated I did not authorize any interest rate increase or closing of my account due to my refusal to have the interest nearly double without any justified reason. I never received a response and Elan began charging me the increased interest rate. In doing so, they raised my minimum amount due on a monthly basis by such a large margin that it became impossible to pay the full amount each month. I have made multiple attempts to contact the company and inform them that they had received notice in a timely manner that raising the interest rate was not authorized, but the company has blatantly disregarded the information that I have attempted to provide to them.
Product: Credit reporting, credit repair services, or other personal consumer reports

For some reason my XXXX XXXX XXXX and my XXXX cards thats in good standings is not reporting on my report my husband added me on to his account and Experience, XXXX and XXXX XXXX is not reporting both cards
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 Account # 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 or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau 1700 G St NW, Washington , DC 20552 Federal Trade Commission XXXX XXXX XXXX, XXXX Washington , DC 20580 Subject : Urgent Action Required - Inaccuracies on My Equifax Credit Report Dear Sir/Madam , I am writing to formally address significant inaccuracies present on my Equifax credit report, which I have been experiencing for over three years. It has come to my attention that Equifax has violated my rights by Displaying incorrect information, which has severely impacted my creditworthiness and financial stability. 

Upon reviewing my credit report for XXXX, I noticed there is no date of Last Activity listed, Versus information provided XXXX report of 2024. This discrepancy raises serious concerns about the accuracy and fairness of my credit reporting, which is supposed to be protected under 15 U.S. Code 1681, specifically the Congressional findings and statement of purpose regarding ACCURACY AND FAIRNESS OF CREDIT REPORTING. 

Equifaxs failure to provide accurate information is not only a violation of my rights but also undermines the integrity of the credit reporting system. Therefore, I urge the CFPB and FTC to take corrective action regarding this matter. Specifically, I request the immediate removal of XXXX XXXX XXXXXXXX  XXXX from my credit report until these inaccuracies are resolved. 

I trust that you will treat this matter with the urgency it deserves and look forward to your prompt response regarding the steps that will be taken to rectify these issues. 

Thank you for your attention to this serious matter. 

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

XXXX XXXX  XXXX reported our XX/XX/2020 payment as late eventhough we made payment on time. It is affecting our qualification for a new purchase home loan. I reached out to them but the rep told me to just email them. XXXX  is off the essence since we are purchasing a home. Please help. I need XXXX to make a correction on our credit report and provide us a copy that the inaccurate report has been corrected so we can buy a new home.
Product: Credit reporting or other personal consumer reports

I discovered unauthorized inquiries on my credit report this morning, and I have no idea why. When I checked as I normally do, I was shocked to see discrepancies. I even refreshed my browser thinking it might be an error, but the unauthorized inquiries remained. This issue needs to be resolved immediately, and I request that the documents I've provided be reviewed carefully to ensure this never happens again. I'm extremely frustrated by this situation.
Product: Mortgage

My mortgage was sold by XXXX XXXX XXXX to Carrington Mortgage Services. Carrington is requiring me to keep a escrow balance not to fall below {$680.00}. There is nothing in my loan contract that gives them the right to do that. My targeted low point was {$0.00}. XXXX XXXX XXXX did not do this. The balance fell as low as {$250.00} one year. Even their letter states my targeted low point was {$0.00}. I feel this is a breach of contract and that my loan terms should prevail over their policy. I did not AGREE TO THIS.
Product: Student loan

I graduated from college in the year of XXXX. My student loan servicer contacted me three months after graduating so I can start making minimum payments. I saw several ads throughout social media about a student loan forgiveness program called premier student loan. I called premier in XX/XX/XXXX and they inform me that I have to pay XXXX for six months in order for me to qualify for the student loan forgiveness program. I paid over XXXX in XXXX. In the XXXX, my payments was reduced to {$20.00} a month. I called premier in XXXX of XXXX to provide my tax return information so I can be reinstated and I got a message saying the premier was a fraudulent company. I would like to Be refunded for the money that I lost.