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

Having not used my Capital One card for more than 12 months, I was surprised when I got an alert saying my credit score had changed. Only to find two out-standing charges ( not mine ) and a fraud alert on my Cap One account. Their XXXX app showed ( still shows ) my account was found on the dark web just a week before the first of two charges took place. Two charges I've proved 3 times now weren't mine. Still they haven't updated their reporting to reflect what their own website says.

One was for XXXX  ( i pulled all my XXXX  receipts from XXXX  to prove the charge in question wasn't mine ) attached below. Did the same with the XXXX XXXX XXXX charge ( which shows a different credit card is used for XXXX XXXX. 
I have the email alert proof ( attached ) that they never once tried to contact me about the fraudulent activity, or that a bill was due or overdue. And they had all the relevant info - address, email address, phone number. But zero contact. First thing I know is I get a ding on my credit report for {$54.00} and 30 days late that has since ruined my credit. 
I followed their procedure. No email or fax, snail mail only. I sent every bit of info requested and proof that charges weren't mine, and that their own website stated dark web activity on my account. 
In fact, I've sent the package 3 times now - XX/XX/XXXX to which I never received a reply. I sent another with all the included info in XXXX, XXXX and never received a reply. I finally got hold of someone and they said they'd received the letter but no outcome has been decided. And asked me to send again. So I did, on end of XX/XX/XXXX. 
IN advance, the person i spoke with on the phone sent me a test letter to make sure I was receiving their mail. I got it. No issues. 
But still, 4 months later nothing back from them in regards to removing the incorrect reporting info which their own website shows is fraudulent. 
It's been almost 18 months now, the evidence is obvious ( by their own website 's account ), and still no responses and no update to the bad credit reporting for what amounted to {$54.00} 30 days late from fraudulent activity. 
BTW, they've sent me countless credit offers since but still won't address the reporting issues. 
Everything else on my credit report is exceptional. I've paid off more than {$100000.00} of debt in the past 3 years alone all on time, which proves my reliability and good standing. This is the only blemish. And my credit report shows I was paying off accounts with much higher balances at the time. I'm currently attempting to get a mortgage and for 18 months have been able to secure one because of this one delinquent charge, that they admitted was their fault ( dark web activity and fraud warning alert - attachd ) and never  changed the report. 

Original case number : XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX and XXXX I sent {$5000.00} to someone to purchase a vehicle. Thats {$10000.00} that I sent total, the payment of {$5000.00} on the XXXX was sent through XXXX used through my chase bank app. The second payment of {$5000.00} was sent on XX/XX/XXXX through a wire transfer from my chase bank app to his XXXX bank account. We are in XXXX and he hasnt spoken to me since XXXX and I call and leave messages no response. I finally called chase fraud and put in a claim with them. They let me know the next day that I couldnt receive the funds back and it was nothing they could do. So now Im out of {$10000.00} and still no vehicle.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed with TransUnion about a few things on my credit report several times. I have just disputed with them recently about a few accounts that have been closed for years but was included in my bankruptcy this year. They are refusing to remove them off my credit report. I have attempted several times before I decided to contact you. I'm trying to rebuild my credit but TransUnion is making it very difficult for me. All the student loans are consolidated under XXXX XXXX. They wont remove all the old XXXX XXXX XXXX/XXXX  ones off my report. The accounts that I'm requiring about is : XXXX XXXX  XXXX XX/XX/XXXX Account is under XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Account is under XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Account is under XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Account is under XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Account was included in XXXX XXXX XXXX XXXX XX/XX/XXXX Account was included in Bankrupcy XXXX XXXX XXXX XXXX XX/XX/XXXX Account is under XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX Account was in included in Bankrupcy XXXX XX/XX/XXXX Account was included in Bankrupcy XXXX XXXX XXXX/XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Accounts is under XXXX XXXX. 

I would like all these all removed off of my credit report. That way my credit report is would be correct. Thank you XXXX XXXX
Product: Debt collection

Portfoliocovry calls from a different number every time. I spoke to a female and explained she has the wrong number and she said she will remove the number from the list but everyday I get the same call about the same person and from a different number of whom I do not know.
Product: Prepaid card

On Tuesday XX/XX/XXXX at XXXX XXXX  and charge for XXXX was on my cash app card for XXXX dollars. I don't have a clue as to what that was for at all. And my last name can be changed from XXXX back to my maiden name XXXX
Product: Credit card

I had fraudulent activity on my Wells Fargo credit card totaling more than {$2000.00} and the company denied my fraud claim. 

On XX/XX/XXXX Wells Fargo texted me asking if two purchases ( {$850.00} at XXXX XXXX and {$830.00} at XXXX XXXX ) were authorized by me. I immediately responded N, the prompt to indicate these were not my charges. 
Wells Fargo responded that they were freezing the card immediately. 
But more charges came through, anyway. 
{$210.00} at a XXXX, {$50.00} at a XXXX XXXX XXXX, {$18.00} at a breakfast cafe, and {$7.00} at a cookout restaurant. None of these charges authorized by me. 

I called Wells Fargo to report the fraud on XX/XX/XXXX and was told that it would be resolved in 7 days. I was asked if the credit card was in my possession, to which I said yes. But the history of the card shows that it is rarely used so it is unclear how the information was stolen. 

The claim was not resolved and the charges were ultimately put back on my credit card, and I called Wells Fargo again to understand why. 
The agent told me that because the credit card was in my possession, I had authorized the charges. The agent then said if I wanted to appeal the rejected claim I would need to show evidence or file a police report. 

I have no evidence to share and I am incredibly frustrated that Wells Fargo would make this process so difficult. Especially since Ive banked with them for as long as I have. ( Since XXXX ) I will be changing banks after this, partially because of the terrible customer service, but primarily due to the lack of security. It is incredibly concerning that fraudulent activity wasnt detected on this card when the charges were made and that when I alerted the activity wasnt me the company failed to freeze the card like they claimed to have.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent certified return receipt letter to this company dated XX/XX/2020. I have proof that the company received the letter. I also issued a dispute to XXXX XXXX, and XXXX. To date, I have received no correspondence from the company and they have continued to report inquiries on my credit report. I did not authorize this inquiry at all, and they had not permissible purpose to make an inquiry on my credit report.
Product: Mortgage

Every month, I always pay the mortgage for our home ( XXXX ) and a rental property ( Flagstar Bank ) at the same time. We have never missed a mortgage payment. Somehow, our XX/XX/XXXX payment was processed for our home, but not for the rental. I don't know if this was due to simple human error, or a system error on the part of Flagstar. My brother, who co-owns the rental with me, was XXXX in the XXXX XXXX with the XXXX XXXX XXXX during this time, and we were not aware that the payment had not processed. 

We did not receive a mortgage statement in XXXX ; I don't know if this was an error on Flagstar 's part, or if our mail was mis-delivered or stolen. Mail is often mis-delivered in our neighborhood ; we frequently receive our neighbors ' mail, but no one has ever returned mis-delivered mail to us. I just spoke with a customer service representative at Flagstar today ( XX/XX/XXXX ), and learned that a piece of mail they sent eight days ago, on XX/XX/XXXX, has still not reached us. 

The first piece of mail we received about the late payment was dated XX/XX/XXXX. Upon learning of the late payment on XX/XX/XXXX through that letter, we immediately paid for XXXX, XXXX, and XXXX. We also set up automatic payments. 

Through this situation, I learned that Flagstar failed to obtain correct contact information for us when they took over the servicing of our mortgage in Fall XXXX. I spoke to a Flagstar customer service rep on XX/XX/XXXX to figure out how we had missed their call ; neither of the phone numbers they had for us were correct. Flagstar also neglected to obtain our email address from our previous mortgage servicer. 

As a result of Flagstar 's negligence when assuming the servicing responsibility for our loan ( and apparently our mailperson 's negligence as well ), we did not know that our payment was late until the account had already been reported as delinquent. Our payment was 33 days late, and it was NOT late due to insufficient funds. 

I have submitted two separate credit review requests to Flagstar with the information above, requesting that Flagstar a ) contact the credit bureaus they report to to have this late payment removed, and b ) provide me with a letter of deletion for the late payment. Both requests have been denied. 

I am not denying that our payment was late ; however I do firmly believe that Flagstar 's refusal is both unreasonable and anti-consumer. This late payment record is preventing me from refinancing my home, despite the fact that I am not at all a credit risk.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, I sent XXXX, Equifax, and XXXX  a letter stating that there are inaccuracies on my credit report. Ive requested these items be removed from the creditors.I am a victim of identity theft and these accounts are associated with the case. I have not heard back from them.There are Multiple Student loan accounts on my credit report that are not mine.They are required to give me a response within 30 days and they have failed to do so.
Product: Credit card

Citi failed to appropriately investigate a dispute for a jetstar charge that was also billed to my XXXX.
Product: Credit reporting or other personal consumer reports

XXXX and Experian both have inaccurate and wrong information on my profile.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcy or ( bankruptcies ). These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. XXXX XXXX XXXX {$220.00} XXXX XXXX {$3700.00} XXXX XXXX XXXX {$32000.00} XXXX XXXX {$2300.00} XXXX   XXXX {$1200.00} XXXX XXXX  XXXX XXXX {$910.00}
Product: Mortgage

Requested mortgage assistance for my mortgage several times because I have been XXXX for several years. Was forced to file bankruptcy a few months ago to stop the foreclosure sale. Submitted request XXXX for mortgage assistance with my financials to bring my mortgage current. I am XXXX XXXX  XXXX from a XXXX  injury. This bank refuses to assist me with mortgage modification to bring my mortgage current. I feel I am being discriminated against because I am a XXXX and XXXX. My conversations with customer service at the bank have implied I don't understand why the bank will not provide mortgage assistance for your mortgage. The bank assists other homeowners who have mortgages with the bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

Request via online credit for a XXXX expense credit card was denied due to unverifiable application information in reference to unsuccessful download of my driver license. I called the creditor on XX/XX/2019, for assist in remedy and the creditor informed me that their policy does not provide an alternative to submit proof of identity regardless of my suggestion to either via mail in or fax necessary documentations to prove identity. The before mentioned is not a fair business practice due to me taking a negative credit inquiry in my credit file when their decision to deny me credit is not in basis of my credit file.
Product: Checking or savings account

I recently went to Bank of America in XXXX Tx which i just recently moved to XXXX in XX/XX/XXXX and on XX/XX/XXXX to try an open up an account and the banker informed me that i could n't open up an account reason being is due to a situation back in XX/XX/XXXX which was some one tried to use my identity and address information and etc to get money out of the bank by depositing a bad check or something in that form and then withdraw the money from the account but i was living in Mississippi in XX/XX/XXXX which is my home state and where i was born and raised. I had no knowledge of this situation until the day i was informed by the banker on the XX/XX/XXXX and I really need to open up an account to deposit my money directly  from my job. They never gave me any contact information or help me with anything to see about this problem so I went to a different bank to get information about trying to contact someone about this problem.
Product: Credit card or prepaid card

On Monday XX/XX/XXXX I noticed two fraudulent charges on my Diners Club account. Reported them and was told my account would be locked and a new card issued. Would have it by Wednesday or Thursday. It never arrived. When I called was told there was a delay in XXXX and that a manager would call me back. At the end of the day when I had not heard from the manager I called again. Was told I should track the cardthough no one had given me a tracking number. I was then supplied with that and when I contacted XXXX  they saidyes, a label was created but that Diners Club had never shipped anything. I called Diners Club again on Friday the XXXX and was told so sorry your card was never made but was going to be made on Friday and the a manager would call back with XXXX info. No call. Called Saturday morning, no card has been made, no explanation, a manager will call when they have some. Asked to speak to the manager and was denied. Tried to get online into my account only to find that I am now locked out of it. I have been on hold for over an hour now. I have been a member since 1999. Always pay in full. This is shameful.
Product: Credit card or prepaid card

This week, I received a letter from Capital One dated XX/XX/XXXX informing me that my credit limit was being reduced " to better fit my card usage, '' meaning that I'm not using my card enough not spending enough money. Reducing my limit caused my credit score to drop immediately and without warning, a situation I would like to avoid during such uncertain financial times. 

I opened my Capital One account in XXXX and have never made a late payment. I pay my balance in full. As a loyal and conscientious customer for close to 20 years, I called today ( XX/XX/XXXX ) to request that my original limit be reinstated. XXXX, the customer service person I spoke to, was not authorized to make the adjustment and I requested to be forwarded to a supervisor, XXXX. She also was unable to reinstate my original limit. I realize that declining my request is within the legal rights of the company. I also realize that credit card companies value customers who make frequent charges and don't pay their balance in full, a lucrative combination. 

What I find unacceptable is that the company offers no further opportunity for any communication or arbitration on the matter. XXXX can escalate my complaint to " Tier  2, '' but she admitted that there is no chance that the escalation will result in any contact whatsoever from any representative of the company. She reluctantly and very politely conceded that no-one will ever call me back, respond to any written request, or consider any other circumstances. There is no reconsideration, appeal process, or opportunity to communicate further. There is not a single person I can speak to to address what I believe is unfair treatment, taking advantage of longstanding customers who are in need of financial security during this time of financial upheaval due to Covid. Capital One 's " mission to change banking for good by offering great products, services, and rewards to our customers '' is simply not true. A customer with a concern isn't permitted to even speak or write to a person in leadership willing to respond.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently conducted a review of my Equifax credit report, and I noticed that their agency showed Nine ( 9 ) credit inquiries that I find to be problematic which may be due to a breach of their system. 

The first inquiry in question was apparently made by XXXX - XXXX XXXX XX/XX/XXXX. XXXX XXXX from XX/XX/XXXX. XXXX XXXX XXXX XX/XX/XXXX. XXXX XXXX XXXX XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XXXX XX/XX/XXXX. 
Along with ACCOUNT XXXX XXXX ( NOT MY ACCOUNT ) I have no recollection of doing any business with the listed. 

I contacted Equifax and asked them to take action to get this inquiry and Account removed from their records and to erase any record of the inquiry. They told me they CAN NOT. 
Which has prompted me to Complaint here and prepare to file a lawsuit? 

Please investigate/Remove these inquiries and Accounts at your earliest possible convenience or I will go forward with my lawsuit. 

Please update me with a full report on your findings within the next two weeks. I look forward to having this situation rectified as soon as possible. 

Thanks for your prompt attention to this matter,
Product: Credit reporting or other personal consumer reports

Statement of Fact : Congress found that the purpose of the Fair Credit Reporting Act ( FCRA ) is to require that consumer reporting agencies ( e.g. XXXX, Transunioun and XXXX ) adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance and other information in a manner which is fair and equitable to the consumer. 
Affiant Facts : Affiant is aware and has proof in the attachment labeled as Exhibit B. 
( XXXX  ) Account # XXXX is in violation of several laws in regard to how they are reporting and are stated as follows : 15USC1681-A 15USC1681s-2 15USC1681a 2 ( A ) ( i ) 15 USC 1681 ( d ) ( 1 ) The inaccurate reporting of both my account status and payment status by XXXX XXXX ) Account # XXXX is causing harm to my credit reputation and financial standing.

All items listed in Exhibit B are invalid, inaccurate, not timely and carry no documented evidence, it is damaging to my character, creditworthiness and well being by falsely stating those non compliant unverifiable accounts on my report
Product: Credit reporting or other personal consumer reports

XXXX Bank is reporting that I was late on my payments for XXXX days but I have proof payment was made in advance for the months they are claiming, payment was not received. I contacted them over the phone and they informed me they can not do anything about it or make changes since it is already being reported. 

I have written to XXXX, Equifax and XXXX, for the past XXXX ( XXXX ) months, regarding the inaccurate information they are reporting, on behalf of XXXX XXXX, about my payment history. The three bureaus are reporting my payment history as Current, was past due 60 days OR Paid or paying as agreed but reflects the inaccurate missing payments, still, under section two-years payment history. 

I have sent out over three letters asking to validate debt and providing letters with proof of missed payments but nothing has been resolved. This is effecting everything from buying a home to my health. I really would like to get this resolved. My account is closed and XXXX XXXX has sent me checks because I overpaid the account. 

I received a statement from XXXXXXXX XXXX for XX/XX/year> with a statement balance {$380.00} that was due XX/XX/year>. A payment was made on XX/XX/year> for an amount of XXXX. Payment was processed and accepted. 

My XX/XX/year> statement had a balance of - {$37.00}. They may be reporting I missed a payment because I did not have a balance to pay but I should not have a low score because I paid my bill balance. Look forward to this being rectify.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX  XXXX XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX  XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX, XXXX  XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX  XXXX XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, ONLY ADDRESS IS XXXX XXXX XXXX XXXX  XXXX, XXXX, TEXAS XXXX, ONLY NAME IS XXXX XXXX XXXX, PLEASE REMOVE ALL OTHER ADDRESS AND NAMES OFF REPORT, Please remove these inquiries from my report
Product: Credit card

I had called to close an account because of the annual fee. I cant afford it anymore. When I called I was transfer to an specialist to explain the benefits of the product, even thou I have used it for years, I told them that I wanted to close it because of the fee, they insisted that I keep it open, I also had points I never used and didnt want to loose ( that did not explain that I had a time frame to redeem it ). I called again in XXXX for the second time to cancel it and I was told that the fee cant not be refunded because of 30 day grace period. I was not verbally provided this information when I called clearly to cancel and shared concern about the fee. I tried for hardship, relationship, and no one could grant a XXXX XXXX fee return for a product that I wont be using. It is an Amex gold card membership
Product: Credit card

This is in reply to complaint # XXXX which was submitted at the end of XXXX and complaint # XXXX which was submitted at the end of XXXX. It is now the end of XXXX and we're doing this again. 

I've been told by Chase to contact them via e-mail which I did and never heard back. Since Chase replied to the first complaint with this information this case was automatically closed. 

I was told to call a direct line to the Executive Offices which I did and never heard back despite leaving a voicemail with my name and contact information. Chase replied to the first complaint with this information this case was automatically closed. 

CFPB please do you XXXX job and protect me as a consumer. I'm literally being forced to make making multiple complaints about the same problem each time Chase replies because when they reply, the case is automatically closed. Chase has refused to compensate me and fix the problem despite my following their directions. I've received letters telling me I have 2 days to reply even though by the time I receive the letter 2 days has already passed. I've been told to e-mail and call them back at a specific number which I do and still have heard nothing back. This is XXXX insane how a business is allowed to operate like this. My tax dollars has bailed out Chase but they can do nothing to help me when I need it. 

I've been promised multiple times that the problem will be fixed but nothing has been fixed. I have not received my points.