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

The credit bureaus stated that they have properly investigated but how is that possible if the accounts are showing past due amounts on charged off accounts this is ground for removal I have made several disputes with XXXX  XXXX account # XXXX # XXXX I contacted XXXX  XXXX back in XX/XX/XXXX and was referred to call XXXX and XXXX I originally called XXXX XXXX because the account was charged off at {$2400.00} but had a past due amount of XXXX and the other account was charged off at XXXX with a past due XXXX which XXXX  XXXX advised me to call the collection agency according to the fcra once these accounts are written off as bad credit it either can be transferred or sold to to a debt collector the rules also state once a account is transferred to another agency for collection the account should have a XXXX  balance and no longer have a past due amount at that higher then what was charged off this is a factual inaccuracy. For instance, if the account was transferred or sold to a collection agency, then the past due amount should be at XXXX. If the past due amount is reporting on your credit report for a charged-off account, that is incorrect reporting. I have been disputing since last year and at this point I am asking for immediate DELETION for inaccurate reporting with the Bureaus I have made several disputes from XX/XX/XXXX XX/XX/XXXX and I have made several complaints with your agency please see all previous complaints They have also violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer agency reporting agency can not furnish a account without my written instructions. 

They have also violated my rights under 15 U.S.C 1681 Section 611 ( 2 ) ( a ) : The law clearly states the credit bureaus have 5 days to notify me from when they received my disputes They have also violated my rights under 15 U.S.C 1681 Section 611 ( 5 ) ( a ) ( l ) ( ii ) The law clearly states if items are found to be inaccurate or can not verified the consumer reporting shall promptly delete the information from the file of the consumer
Product: Checking or savings account

XXXX is the insurance provider offered to XXXX XXXX customers. They charged ( overdrafted my account ) my account for a device that wasn't returned as if I was able to. In essence they have some shady practices if they want customers to just buy a new phone or pay a deductible twice the amount of a new phone for a refurbished one, well they are very good at ripping people off and have succeeded in doing so. 

I never received the shipping label. I contacted them three different ways to get the address to send the damaged device back to and got no response. 

Attachments See my email attached sent in XXXX. 

See their emails that provided no address for the customer to keep their end of the deal. 

See my account overdrawn for an amount different from what was stated in their email. 

See customer contact form and online portals that either don't work or XXXX is unable to monitor.
Product: Credit reporting or other personal consumer reports

Year of XXXX  purchased a vehicle with Infiniti as the cobuyer, finance manager informed me my name would be taken off in 6 months, XXXX XXXX is the primary buyer, XXXX which is who the loan is with falsified my name as the primary owner because they could not find XXXX XXXX, they REPO the vehicle after it was stolen for 60 days, they did not contact me or XXXX XXXX to buy back, they waited 3 years to reach out and tell me i owe them around XXXX when they sold the vehicle and never given proof of sale or who they sold it too. This is all against the law, they been harrassing me making threats, reporting late payments on my credit when i do not even have the vehicle or loan with them. They first closed the account and reported it was resolved, then they sold the account to another creditor thats been harrassing me also making threats. Ive tried to resolve the issue by asking for proof but now its past the 3 year mark and they have to remove this off my credit. they are reporting late payments when they sold the vehicle on whatever date they sold it because again i do not even have that information. I reached out to XXXX XXXX and they have it on his credit too. So they are reporting late payments and also a debt on two persons credit, that is illegal in marland and they also did not contact XXXX XXXX about this. He has disputed it with XXXX and informed them that this is his loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm applying for credit card and my identity was stolen about XXXXyears ago. I need my own money back and my namevOFF XXXX XXXX XXXX PLEASE
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not my account. I have spoken with Continental Finance at nauseam about this yet they have failed to remove the account despite confirming they would do so.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am victim of identity theft these accounts are reporting on my credit report they do not belong to me I summit supporting documents that included police report and id social card and proof of address the accounts are as followed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXBy the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize these accounts/inquiries on my credit report XXXX XXXX XXXX XXXX XXXX Location : XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX XXXX Location : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ca XXXX * XXXX XXXX XXXX Location : XXXX XXXX XXXXXXXX XXXX XXXX ca XXXX XXXX XXXX XXXX XXXX XXXX Location:XXXX XXXX XXXX fl XXXXXXXX XXXX XXXX XXXX XXXXXXXX Location XXXX XXXX, XXXX oh XXXX 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. 
Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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: Prepaid card

I purchased 2, {$500.00} XXXXXXXX XXXX XXXX  cards from our local XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  We had trouble activating them, so we called the customer service number from the back of the card ( XXXX ) and they sent us 2 replacement cards. One of those replacement cards activated but the other one didn't. When we contacted the customer service again, they told us, scammers are trying to access this card, so they need to verify that I am the legit owner of this gift card, even though I just activated and use the other gift card I purchased together. 

So, on XX/XX/XXXX of this year, we sent all the documents they asked for via email ( copy of drivers license front/back, purchasing receipt, front and back of the gift cards ). I was told not to contact for 30 days, because they need that time for verification. I called back on XX/XX/XXXX, they told me the case is still under verification, their experts need to look at the documents, call back in a week. 

I called back on XX/XX/XXXX, had to explain everything from the beginning and this time I was told the management needs to verify my documents and they need XXXX business hours meaning XXXX business days. I called back on XX/XX/XXXX, and they had no answer, after pleading for a while I was finally forwarded to a supervisor, he told me since maybe I forgot to mention the Case # XXXX in the email subject line I sent 45 days ago, that's why they couldn't do anything! Even though I was told time after time that my case was under review, and I need to email them back with all the documents and case # that day so they can " escalate '' the case. 

When I tried to e-mail that same address ( XXXX ), I was getting an error saying that email box is full, and it can not accept any more email at this moment. So, I called that customer service again, this time spoke to a different supervisor, and this supervisor told me that since I sent my documents once ( XX/XX/XXXX ), I don't need to send them again, their tech people can get it and I should call back in XXXX hours to see if there's any update. 

At this point I feel completely hopeless. I spoke to a manager recently and he told me they've " escalated '' the case but here I sit with no result after nearly XXXX month of purchase date of the gift cards. I've spent hours on the phone speaking to these people, transferred back and forth but no avail. I can't believe businesses like this is allowed to exist in my country.
Product: Credit reporting, credit repair services, or other personal consumer reports

I never signed any contracts with bridgecrest nor have I ever heard of, met with any representative of XXXX. XXXX needs to produce the original contract that I allegedly signed with them and show verified proof of something of value given to me by bridgecrest within 72 hours or I will litigate this matter. XXXX even reported to the credit bureaus that theres a contract between them and I ; such act is fraudulent. I am now being injured and harm has come due to the fraudulent acts of XXXX.
Product: Checking or savings account

I was charged excess insufficient charges and money was available. The bank wouldn't reverse the fees.
Product: Checking or savings account

I sent {$300.00} to a friend through the transfer service she couldn't get it. I did this in XXXX, tgey said after 14 days i would get my money back i never received it. I've had been messaging customers service they said not to worry. Being on Social Security is not easy to lose {$300.00}. Plus i had to pay that and ny regular payment tobthe same person the next month. I have since stopped using Chime Bank and transferred my direct deposit to another bank.
Product: Credit reporting or other personal consumer reports

My credit report is still showing late payments on XXXX XXXX and XXXX XXXX XXXXXXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or customer service representative.
Product: Debt collection

I have requested on several occasions for National Credit Audit to remove the collection for my credit report. This account does not belong to me I have filed several complaints.
Product: Debt collection

As of XX/XX/2019, I have been receiving numerous back to back calls from different states such as Florida, Missouri, Louisiana, Illinois, Ohio, Arizona, Colorado, California, New York and Maryland. As of today XX/XX/XXXX i finally answered the phone and it was Portfolio Recovery in Utah. I asked them why have they been calling me back to back or every hour from different states. He states that they have different businesses in several states. I informed them that at this point they are harassing me calling me like this when I dont have a reason to speak with them. I dont believe that it is right for them to harass me like that especially calling me back to back every hour 2 or 3 times from different numbers.
Product: Credit card or prepaid card

I have a personal Capital One Quicksilver XXXX. My statement closing balance on XX/XX/2022 was {$210.00}. I used available cash back on the account to credit my XXXX {$200.00} on XX/XX/2022. I made a payment for the remainder balance of {$14.00} on XX/XX/2022, the payment due date. Capital One then charged me a Past Due Fee of {$25.00} on XX/XX/2022. I called Capital one on XX/XX/2022 and spoke with XXXX in the XXXX customer service center. She stated that since I did not make a minimum payment of {$25.00}, I was charged a {$25.00} past due fee. I argued that since I credited the account with {$200.00} from cash back and made a payment of {$14.00}, the full statement balance was paid in full by the due date. She said I needed to pay more to satisfy their payment requirements. I believe this is overcharging the customer. The statement balance was {$210.00}, I had a credit for {$200.00} and a payment for {$14.00}, which satisfies the full balance on the account as of the statement closing date. I asked if I charged my account {$100.00} and received a statement showing {$100.00} due, and then returned the item for {$100.00}, would I still need to make a payment? She did not answer me, but I suspect I would be charged a late fee and possibly interest since I did not make a minimum payment even though the balance was {$0.00}. 

It is not fair or right to the consumer that Capital One does not treat credits or returns as payments in the current credit cycle. In my experience, Capital One does not count returns toward the current payment due, but credits the next statement balance. Again, Capital One is penalizing the consumer for credits and returns by requiring full payment of the statement balance, even though they have received money ( payment ) in the form of a credit or return. This is not a fair or equitable way to treat their consumers.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following information needs to be re-investigated. These accounts should not be reporting on my credit report. 

XXXX ACCOUNT # : XXXX DATE Opened : XX/XX/XXXX This is not mine. 

DISCOVER FIN SVCS LLC ACCOUNT # : XXXX DATE Opened : XX/XX/XXXX This is not mine. 

XXXX ACCOUNT # : XXXX DATE Opened : XX/XX/XXXX This is not mine.
Product: Debt collection

I was contacted initially by XXXX document verified services with a reference number and phone number of legal office to contact. When I called the number that was provided to me, the name of the company was XXXX XXXXXXXX XXXX. I provided the reference number I was given by XXXX. They had my name and last four of my Social Security number and claimed that they had documents for me and I was being sued by HSBC Bank for a credit card through XXXX XXXX that I had and it was closed out approximately 15+ years ago. They claimed they would email me the official debt documentation and that hardcopies were being delivered to my home because I was being sued. They told me that they would work with me on making payments at a 30 % of the balance and developed a payment plan with me. They sent me a text message where I was able to verify the agreed payment plan. I provided a debit card and made a {$300.00} payment. After getting off the phone I was told I would be emailed the agreement which never came and I started to become worried that I was scammed so I called HSBC bank and provided the account number that was given to me by XXXX XXXXXXXX XXXX. I also provided my Social Security number to HSBC Bank to look up and see if I had an account with them. It was linked to a Social Security number that it may have been previously closed out and there was absolutely no record of me on file for any type of debt. I contacted XXXX XXXX XXXX again and they were unable to provide me with said documents and had no answers for me as to why my information wasnt on file with the company that they said was suing me. I made a {$300.00} payment over the phone.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute an accounts fraudulently opened in my name. I am a victim of identity theft and did not open this account .the accounts listed on my credit file as follows XXXX  /cbna, XXXX XXXX , XXXX XXXX. I also am a victim of the XXXX and XXXX data breach. State issued ID have been compromised and my social security has been compromised. I have filed a report with the FTC listing and stating the above named accounts as fraud. 
I am not responsible for any charges made to these mentioned account.
Product: Credit reporting or other personal consumer reports

i received a copy of my credit report and realized this company is reporting fraudulent inaccurate information on my credit report. i have requested that they provide the agreement where i signed for this to report on the behalf of my credit, and to verify that this late payment is accurate i am asking for full validation of this debt that this debt belongs too me, i have read about the fair credit reporting act where by law, that i have the right to challenge anything innacucurate, i ask that they send the aggreement to show full ownwership to see if this account belongs too me. i ask for deletion of these inquiries from my report asap please XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX : XXXX XXXX XXXX XX/XX/XXXX
Product: Credit card

On XXXX XXXX, 2015 I ordered XXXX magazines most of which were renewals from XXXX. I have ordered from this company for many years and dealt with a woman named XXXX. When my credit card statement came, I noted that the amount of {$78.00} appeared and it was under the name of XXXX XXXX. The reason I did not question this name instead of XXXX is due to the fact that in XXXX of 2014, I had ordered with XXXX and when my credit card statement came, I immediately called to dispute the charge. When the payment was denied, XXXX from XXXX called me and wanted to know why I had stopped the payment. I told her that I did not recognize the name XXXX. She said that XXXX was now handling their billing for them. I called my credit card company back and explained what had happened and the payment went through and I received my magazines. This year when I did not receive my magazines after XXXX, I called XXXX and left a message. After repeated calls and then e-mails and no response from XXXX, I contacted my credit card company and was told that they could not do anything to help me because it was beyond the 60 day limit that XXXX puts on them. I filed a complaint with the XXXX XXXX XXXX Florida # XXXX and after a month, was told that they had not had a response and that I needed to contact the Attorney General 's office in Florida. They informed me that XXXX had their business license revoked on XXXX XXXX, 2015 since they did not complete the proper paperwork. They told me that the is XXXX XXXX, XXXX XXXX, XXXX, Florida XXXX I have filed a complaint with the Attorney General 's office. They also told me that you can help me get a credit of this money from my credit card company. I think that if my credit card company is correct about XXXX 's 60 day limit, then this type of purchase with renewal of magazine subscriptions would not be an adequate amount of time to allow the consumer to realize whether there was something not appropriate in the purchase. I hope that you can help me with this refund.
Product: Mortgage

Arvest Central Mortgage Co. is my mortgage company who is responsible to disburse amounts to pay real estate taxes timely. {$2900.00} was due on XX/XX/XXXX. As of XX/XX/XXXX, the company has not paid for the real estate taxes and the county has assessed {$140.00} of penalties and {$21.00} of interests. The late payment incurred in XXXX as well. I inquired the company for a response via the company 's website. I have received that they acknowledged the message but they have not addressed the issue. 
Again, this is repeated the same as last year, and I never missed a payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am unaware of who made the credit inquiries on my report but it was not me.
Product: Mortgage

I have a good solid contract and the buyer has already been pre-approved for the loan. The bank will not consider the short sale. Also, when I phoned the bank regarding foreclosure alternatives, it was relayed to me that my only recourse was to do a short sale. No one ever informed me about being able to apply for a loan modification. 
I had to go to an outside source to learn about this particular foreclosure alternative. I am trying my hardest to get this done. At this point I am desperate for assistance and I am reaching out to you as a consumer for help. I feel as if the lender and/or their representative did not do what the government says, which is provide alternatives to me as a homeowner.
Product: Credit card

This account represent a clear breach of contract and are fraudulent in nature. The bank failed to provide me with essential information regarding this fraudulent account, which is a direct violation of my rights as a consumer. Therefore, I urgently request the Consumer Financial Protection Bureau ( CFPB ) to handle this matter directly, as the bank 's actions have resulted in significant harm to my financial well-being. The account is : JPMCB CARD SERVICES XXXX
Product: Checking or savings account

Made a large check deposit and a hold was placed on check. Check cleared and bank closed account. Asked for a review and provided all documentation of money source and was denied a review after receiving all proof and documents. Spoke with numbers agents who gave different wrong amounts to me as the balance. Said the check was altered from the Department of Treasury, lied and said they were returning the funds to IRS then lied and said waiting for IRS to request funds back and different versions to what was the delay. I asked to have check returned and was denied even after submitted IRS documentation. The IRS says checked cleared and the money is there but bank refuses to give funds to me and closed account without valid reason and did not return ending balance in account. Now Im in danger of losing my business after 3 months of going back and forth and being provided wrong info from each bank representative
Product: Debt collection

Hello, my name is XXXX XXXX XXXX XXXX a victim of identity theft my ex-girlfriend child mother. 
Name is XXXX XXXX stole my identity to purchase a vehicle and used my identity as a co borrower ; I did not give her or anyone to represent me or pretend to be me, I tried resolving this matter directly with Credit Acceptance Corporation but with no luck, all they are interested in is collecting there money which the balance is {$6900.00} this is affecting my life and lively hood Iam facing homelessness I am not able to apply for a loan, furnish an apartment or even finance my own car. 
therefore, can you please intervein this matter ASAP? 
Thank you. 
XXXX XXXX XXXX