23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/19 I complained that transunion sent a credit report with name but someone elses info, and this person had filed banruptcy. I notified them and they explained that my file was not merged- but then A freeze, fraud alert and extended fraud alert placed without my consent. The freeze they placed was a military freeze- which as a XXXX yr old woman who has not ever been in the military is bizarre- I feel this is a retaliation due to me exposing them of their carelessness of my report. They refused to remove, I have sent in my drivers license and social security card and my ID is the real ID with star. as of this complaint it still is there, And I dont have a pin to remove, they wont remove and I am furious that my credit file is a mess, and I cant even go online because its locked.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX AND XXXX XXXX XXXX XXXXwas never late! I have had exceptional payment history witH capital 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 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 XXXX AND XXXX XXXXXXXX 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
Product: Credit card or prepaid card

In late XX/XX/XXXX, I applied for the XXXX XXXX XXXX XXXX credit card and approved on XXXX XX/XX/XXXX. At the time of application the card was offering 2 XXXX tier-qualifying night credit for each eligible night stayed from XXXX XX/XX/XXXX to XXXX XX/XX/XXXX for applying and getting approved for the credit card by XXXX octber XXXX. Between XXXX XX/XX/XXXX and XX/XX/XXXX I stayed 14 eligible nights with XXXX and never recieved any double tier qualifying nights. I reached out the chase about the issue in late XXXX and was told that I will recieve my tier nights will on my next statment closed date in XXXX. After I did not recieve my tier qualifying nights I reach out again and was told " Qualifying tier nights can only be earned on nights stayed and paid with the credit card '' this language was not found anywhere in application or in the promotional details, only requirement stated was that I open and get approved for the account by XXXX XX/XX/XXXX. I requested chase send me proof of that the language was in the application but never recieved anything. I reached out to chase again again on XXXX XXXX as the reason for rejecting my promotional benefits was incorrect and was told " The offer you are inquiring is only for accounts open XX/XX/XXXX XX/XX/XXXX and can not be manually applied. '' which was also incorrect as the promotional offer ran from XX/XX/XXXX to XX/XX/XXXX. I reached out the XXXX providing chase the promotional details of the offer showing it ran from until XXXX XX/XX/XXXX and was told that " those terms where incorrect and is from a XXXX offer '' which is also incorrect as the credit card was announced on XX/XX/XXXX. On XXXX XXXX I reached out to chase to inform them of the mistake and was told they will no longer be responding to this inquiry. 

As part of my sign up promotion there was a also a XXXX bonus point after completing $ XXXX in purchases in 3 months. I recieved that portion of the offer and im not inquiry about that portion of the offer.
Product: Debt collection

I sent a verification request to the debt collection agency and they failed to verify the debt within 30 days, therefore violating the law. they only sent me a new bill requesting I make payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a few accounts that are still currently updating on my credit file that were included in my 2016 Bankruptcy. I have contacted the creditors multiple times and have sent them a few disputes requesting they report accurately but I have yet to receive a response. I don't understand how the bureaus can allow this to happen specially after I disputed it directly to you and notified you that they were against the Bankruptcy stay. This is now affecting me when I try to get financing, which is should not, and I've spent too much time, money and energy on trying to get these violations resolved. The creditors in violation on my credit file are XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX. I need these accounts to be back dated and reported correctly on my credit file. I understand my rights as a consumer and will take further action if needed. Please fix these accounts on my credit file.
Product: Debt collection

FIFTH THIRD BANK, you recently received my Notice of Rebuttal on XX/XX/2021. 
This is in response to your deceptive letter from a member of your employed staff Named XXXX XXXX  who did not receive my permission to contact me nor view my personal, private and confidential information. Making false claims about " debt elimination schemes '' in an attempt to misrepresent my enforcement of my Federal rights as a Federally protected consumer is known as Material misrepresentation ( FRAUD ). 
As stated in my notice you were previously contacted on XX/XX/XXXX when I demanded an opt out of consumer credit reporting as is my right pursuant to 15 USC 6802 & 6803. You have defaulted on demand and have proven that you are willfully noncompliant with Federal Law protecting consumers, these matters are being well documented and all defaulted notices will become prima facie evidence if further legal action is deemed necessary. I do NOT owe you ANY alleged debts, and I have not borrowed any capital from you which means I do NOT owe you any alleged debts. Further more your claims are unsupported by Affidavits, or any documentary evidence of indebtedness as required pursuant to 15 USC 1666 making all of your claims hearsay. This further supports the facts as I have documented them, expressly the fact that I do NOT owe you any alleged debts as you claim. BE ADVISED, FIFTH THIRD BANK, you have 15 days to comply with my demands listed in the correspondence you received and the correspondence attached to this complaint as you are already in default of the previous notice. There is more than enough evidence to prove your attempts to willful mislead and deceive me through means of material misrepresentation of vital facts that have been purposely omitted by you the financial institution involved in this consumer credit sale/transaction. BE ADVISED, FIFTH THIRD BANK, you have committed several violations of Federal Law which have been well documented and will be used as documentary evidence and prima facie evidence should I be required to pursue legal action in these matters.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter requesting that you reinvestigate the disputed Accounts from my credit report as well as update these Accounts from my report during the investigation period. As of this date, you have failed to respond to my request. 

XXXX XXXX XXXX Balance {$0.00} It seems that the following information reported is incorrect : account number, payment status, and date open. Get it right immediately ; otherwise, update the account from my report. 

XXXX XXXX Balance {$2.00} Please check the status of this account. It is entirely wrong, to begin with. I was never late on this account. My record shows I never missed a payment. Please update it immediately. 

XXXX XXXX Balance {$400.00} The late history shouldn't be showing lates because I believe I paid on time. Please adjust the late payments from this account.
Product: Checking or savings account

The matter involves funds availability and the fact that Capitol One froze my funds though the external transfer was completed. This prevented me from establishing the promotional CD within the time frame necessary. I should have been able to accomplish had they not froze my deposit and it seems that the CD portal for establishing the CD did not recognize the funds being on deposit. 

In addition I want to file a complaint that the website and online banking platform of Capitol One does not provide the ability to file a complaint unlike every other bank I have worked with. They make it impossible. Please go to their online banking platform as well as their website- there is not portal to log a complaint. Moreover they do appear to have a support e-mail address but it is not monitored. See attached. 

I have submitted a notice of complaint to Capitol One using the information on their banking platform - contact us. But was subsequently told that was inaccurate by a supervisor and it needed to be addressed to the office of the XXXX. This direction is not provided on their banking platform or website.
Product: Credit reporting or other personal consumer reports

Experian has violated numerous unauthorized accounts under Federal Credit Reporting Act, Federal Department Collection Protection Act. This agency aloud companies to furnish detail information without thorough investigating. Which cause bias, discrimination and punitive damages to myself for future purchases ; ( House or Commercial Property etc ) Thee miscellaneous violations, revolved around Fraud and Unauthorized accounts ; XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX. Violations 15USC1681b ( 2 ) 15USC1681 ( q ) 15USCc-2 15USC1666b 15USC1637 ( b ) 15USC1681s-2 15USC1681i 12CFR1006.34C 12CFR1006.6C 15USC1681e ( b ) 15USC1681s- ( A ) 12CFR1026.13 15USC1692g 15USC1692e 15USCf 15USC1692c 15USC1635 15USC1601 15USC1602j 15USC1601i 15USC1601 ( p ) 15USC6802 Thanks for your time. XXXX XXXX XXXX
Product: Debt collection

This morning received back to back robo-calls which leave no message.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX , NC XXXX reports that I am delinquent. This matter was part of a bankruptcy filed in XX/XX/XXXX and discharged in XX/XX/XXXX. XXXX reports delinquency ever so often to ruin my credit. It is well past the statutory 7 years for XXXX make reports, XXXX is maliciously making a false report. I called XXXX who took it off my credit report. XXXX suggested I call XXXX. I called the bankruptcy department XX/XX/XXXX and the woman I spoke to wanted my phone number and told me this was the wrong department that I had to speak to the credit reporting department they would call me back. I waited several hours and I called again this time a different woman asked the same questions and said the woman I talked to is on the phone only she can handle your question. I told her what I was told regarding the credit reporting department. She said there is no credit reporting department that the woman I spoke to would call me back. When the woman did not call back I called their customer service number and was told there is no credit reporting department I must talk to bankruptcy department. I said why did that woman tell me there was a credit reporting department and did not help me then?
Product: Credit card or prepaid card

i am a 100 % XXXX veteran that lost employment due to my service injuries. My family recently underwent financial hardship due to inflation and rising energy cost which put our energy bills close to XXXX dollars monthly and caused me to default on a few credit cards. I havent been able to make payments on my XXXX XXXX credit card amount of XXXX dollars and Navy Federal Credit card account amount of around XXXX i believe and the accounts have been defaulted. and i am asking for help in relief. I received a request to cut the bill down by 40 % in XXXX if i was able to pay XXXX dollars a month however I was unable to meet the deadline for the relief
Product: Credit card or prepaid card

I have a Macys American Express Card. I have had nothing but problems with this card. Mostly weird charges. Or, I will pay off the account, via phone, and then 3 months later, find out, that they left a {$5.00} or {$6.00} balance on the card, and now I am paying late fees in the form of hundreds of dollars and on top of that, it has dinged my credit score negatively. The first time this happened, it prevented me from obtaining a mortgage 5 years ago. I have had another round of issues with this card one year ago. I paid it off, and stopped using the card. I recently had my wallet stolen and have been checking on my accounts weekly. Yesterday when I went to check on this account which I do no use, I see a XXXX balance. Today, the balance is at {$13.00}. This is an unknown balance that they won't tell me what it is. I have phoned and am unable to get a human again. 

This card is Department Stores National Bank. I have filed disputes, closed the account and still I continue to have issues.
Product: Money transfer, virtual currency, or money service

I attempted to use the Venmo service but received the message After reviewing your account, we have determined that it is not eligible for reactivation due to several concerns regarding your activity. We informed you about this decision on XX/XX/20. Your account has been permanently deactivated and we regret to inform you that we can no longer offer you the Venmo service. We do not make these decisions lightly, and when we do it is to help improve the safety of the Venmo community. Please be aware that any future contact or inquiries will not be answered and that this matter will be considered closed upon your receipt of this email. 
Venmo will not tell me what transactions or activities I took part in were considered concerns. I believe I am being discriminated against without explicit explanation of what activities cause XXXX response.
Product: Credit card

I tried to call and can not contact a person to discuss closure of the card. I feel uncomfortable telling them personal information ecause of high probability of fraud activity. 

I received my cards in the mail on XX/XX/year>. A card for a bank account and for a credit card, neither of which I opened. I looked in my email spam and realized a week prior I had recieved some emails from them about an account being opened.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a account with XXXX  XXXX  which was opened XX/XX/2012 the account was paid off XX/XX/201XXXX XXXX XXXX XXXX XXXX had the account and I have proof. This is a old debt XXXX XXXX XXXX trying to collect on XXXX the originally account balance was only XXXX. This is a old debt Delete
Product: Credit reporting or other personal consumer reports

I am writing to seek clarification and verification regarding the reported late payment associated with my DISCOVERBANK account, XXXX which I have recently discovered on my credit report. I do not recall having a late payment for this account, and I kindly request your assistance in resolving this matter. 
I value my financial responsibilities and have maintained a strong commitment to ensuring that my accounts are managed diligently and payments are made promptly.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The TransUnion credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The itesm need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX is reporting incorrect payment information on my credit report. They are stating that I had a 30-day late payment XXXX, 2020 and in XXXX, 2020. Both of these payments were paid on time and I was never 30-days late. This erroneous information has caused my credit score to drop almost XXXX points and I am in the middle of closing on a home. I am outraged that XXXX and the three credit bureaus are reporting this false information. I contacted XXXX about this by phone and I was told to send an email to their collection team. I emailed them on XX/XX/2020 and needless to say I still have not received a response. 

I am an auditor and in my position am required to have a good credit history by my employer. This erroneous reporting has not only caused me much undue stress, however has the potential of affecting my livelihood. 

Please make these corrections promptly, I was NEVER late on my XXXX and XXXX, 2020 payments with XXXX XXXX XXXX XXXX XXXX, please update this information promptly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an account listed on my credit for Sunrise Credit Services. Upon investivgation this account was opened in Louisiana. I don't live in Louisiana. My residence is Georgia. 
Sunrise Credit Services XXXX {XXXX} Date XX/XX/2021 Account # XXXX This account is in collections on my credit reports and is not my account.
Product: Mortgage

We recently received the note AmeriHome Mortgage sent to you on XX/XX/2020. Unfortunately, we continue to have the following difficulties with this poorly managed company. First, per paragraph 6 on their note to you, we were supposed to be able to request the company to return the {$100000.00} in principal payments to us by sending a note to XXXX. We sent a request as to this process on XX/XX/2020, but have yet to hear back from the company. We sent a follow-up note on XX/XX/XXXX and XX/XX/XXXX, with still no reply. Today is XX/XX/XXXX. Second, we sent the {$250.00} check to AmeriHome to finalize the agreement and put the issue to rest, they deposited it on XX/XX/XXXX and notified us on XX/XX/XXXX of the deposit. Third, the company had not modified the loan terms on their website for a monthly payment of {$4100.00} per the XX/XX/2020 notarized agreement signed by us and received by AmeriHome. Therefore, my wife had to submit the previous, normal payment of {$4600.00}, even though the company has had possession of our {$100000.00} recast payment toward the principal since XX/XX/2020 and had processed the {$250.00} check on XXXX. Fourth, AmeriHome finally modified the payment amount, but to {$4200.00} ; again this is not the contracted and notarized amount of {$4100.00}. If not corrected, this will result us paying more than {$37000.00} over what both parties agreed-upon per the notarized agreement. 
Given our difficulties with AmeriHome and noting recent difficulties others have had with the company per a recent XXXX XXXX XXXX article, I am surprised that they continue to operate in the US in good standing. Certainly, we would like : 1 ) to find out the process of having the money returned, 2 ) have the company return {$570.00} - the difference between what my wife paid and the agreed-upon amount payment per the aforementioned notarized document for the recast and 3 ) have the company modify of the payments to {$4100.00} per the aforementioned notarized  agreement, not the {$4200.00} indicated earlier.
Product: Money transfer, virtual currency, or money service

This morning ( XX/XX/2019 ) I went to my Bank here in XXXX XXXX XXXX, Az to deposit a cheque. 
My wife and I are XXXX snowbirds and I am currently down at our home for about four weeks before returning home to XXXX. 
Since purchasing our home here, we have done all our banking with Wells Fargo. 
Before I left for the bank this morning, I typed into XXXX " What will {$1400.00} in XXXX dollars equate to in American dollars at Wells Fargo. I was then sent to a Wells Fargo website with a currency calculator. I entered the amount and it said I would get {$1100.00} in exchange. 
I then drove to my bank and proceeded to make the deposit. 
I asked the teller exactly what amount they were depositing in exchange for my {$1400.00}. XXXX. 
I was told it would be {$1000.00}. 
When I said that did not match the amount I had just been told less than half an hour earlier, the teller said she had no idea why the numbers were different and I would have to talk with one of their service agents. 
I then went to the appropriate area and was soon speaking with a young lady who upon hearing my question, pulled up the same website and got the same figure I had been provided. After checking various screens she said she had no idea why there was a {$91.00} difference in what Wells Fargo gave me for my deposit. She then said she would have to speak with the Branch Manager to try and get an answer. When she returned a couple of minute later, she said the difference was because I had deposited a cheque rather than cash. 
When I pointed out that was approximately a 8 % fee and that a {$91.00} dollar difference seemed to be unusually high, I was told she did not know the exact rates - just that her Manager had said the difference between what their website said and what they actually gave me was due solely because I deposited a cheque and not cash. 
As it was clear nothing further was going to be forthcoming, I thanked for her help and left. 
Could you please confirm for me if such a high fee for depositing a cheque written on one of my XXXX bank accounts is reasonable? 
And if this is so, should their website not distinguish between cash and cheques when providing a rate on their Currency Calculator, so a user is not left with the shock of losing an additional {$91.00} ( due to some fee even the banks own staff are not aware of ). 
Thank you for your help in clarifying this matter for me. 

XXXX XXXX XXXX
Product: Mortgage

My 1098 was sent to me this year for the year of XXXX, For the second time with in five years my 1098 only showed property tax and interest for six months, My property tax and inerest was paid for the entire of XXXX therefore my 1098 should correspond to that. If i file my tax return for only six months of year and i paid into this house for a entire year, my return on my tax return will be shorter.I have had this problem with them once before but at that time but at that time they realize they were wrong and emailed me a letter correcting this problem ... .but not this time..
Product: Debt collection

XXXX XXXX americollect keeps calling from different numbers. However, this is a medical debt I thought you could not put on credit report for derogatory remark. Ive tried opening tickets to resolve but keep closing tickets