23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Per the Fair Credit Reporting Act as a Federally Protected Consumer, according to the 15 USC Code 6802 a financial institution may not directly or through any affiliate disclose to a nonaffiliated third party any nonpublic personal information unless such financial institution provides or has provided to the consumer a notice that complies with section 680XXXX of this title. XXXX, Equifax and XXXX XXXX are third parties. I have the right to make sure my private information is not shared which is backed by 15 USC 6801. It states It is policy of the Congress that any financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers non public personal information. 15 US Code 1681a Reporting Transaction History is illegal. According to the Privacy Act of 1974 it protects records about individuals retrieved by personal identifiers such as name, social security number or other identifying number or symbol. Individuals have the right to seek access to and request corrections or accounting of disclosures of any such records maintained about him or her. I am NOW opting out of any and all authorization I the consumer may have given written, unwritten, verbal and non verbal Per 15 USC 6802. XXXX Privacy Policy States " We only share Personal Information with third parties for their own use with your consent, or, if applicable, as otherwise described in the Business Card Privacy Notice. I have included their Privacy Policy with this complaint.
Product: Credit reporting or other personal consumer reports

XXXX XXXX is ignoring their obligations under 15 U.S. Code 1681s2. For account ending XXXX aka card number ending XXXX, XXXX XXXX decided to mark the account charged-off beginning XXXX XX/XX/XXXX, yet the account was alleged charged-off on XXXX XX/XX/XXXX. The Date of First Delinquency would thus be within the nexus of the XXXX XX/XX/XXXX. Yet, the data XXXX is supplying to XXXX indicates the account would continue on-record into XX/XX/XXXX. That date is beyond the 7-year period and indicates the date of first delinquency is reported on or around XX/XX/XXXX, instead of a date within 150 days BEFOR XX/XX/XXXX. Moreover, the same issues are evidenced in the data XXXX is reporting to Equifax, as Equifax has consistently received updates from XXXX, in which XXXX claims the Date of First Delinquency is XX/XX/XXXX. It should also be noted the XX/XX/XXXX date is NOT supported by the payment history furnished to the CRAs by XXXX, with both Equifax and XXXX showing the month of XX/XX/XXXX " paid on time ''. Thus, XXXX is supplying false/misleading/inaccurate information it knows, or has reasonable cause to believe is incorrect. In their response to { XXXX, XXXX and XXXX }, XXXX reerences the table supplied in response to XXXX, alleging the account is being reported as " accurate '' because it is consistent with the table of information provided. Yet, the table provided itself shows an alleged past-due payment that was thirty ( 30 ) days past-due in XX/XX/XXXX, and miraculously one-hundred twenty ( 120 ) days past-due for the month that followed, making a difference of ninety ( 90 ) days past-due over one ( 1 ) billing cycle.That payment history on its face is false/misleading/inaccurate. XXXX has engaged in acts and practices that are unfair, deceptive, and abusive and has sought to cover their XXXX by providing contradictory, misleading, inchoate statements in response to CFPB complaints. There is nothing lawful about their behavior and XXXX needs to take accountibility for their own incompetence instead of trying to justify incompetence and punsihing a person with a documented learning XXXX that has been afflicted with XXXX ( also XXXX ) during this entire ordeal. It would appear to be " XXXX. XXXX '' providing the BS in the XXXX XX/XX/XXXX response and then copying the same XXXX into the XXXX XX/XX/XXXX response. Each person touching the account during an " investigation '' has provided their own spin on XXXX which has been contradicted others.
Product: Vehicle loan or lease

I contacted Toyota financial services to dispute the points taken off of my credit that decreased my credit score I was informed that its a computerized system and basically so what its nothing they can do. I was building my credit now its ruined for no reason I never was delinquent on my payments to this company and its unfair that they just like that sent a false report to the credit bureau
Product: Credit card or prepaid card

I have been forced to call Capital One Bank concerning my Capital One Quicksilver card on eight ( 8 ) different occasions due to the fact that their computer system will not allow me access to my account. I am unable to retrieve my balance, pay my bill or otherwise access my account. I have been subjected to a multitude of representatives, all of whom gave me a different story as to why I could not access my account. Over a period of eighteen days, these eight calls have averaged two ( 2 ) hours per call, and on every call I had to start at ground zero, as my previous calls were not properly documented. 
On my last call, I spent 2 hours and 45 minutes being given conflicting stories as to why Capital One could n't straighten out the problem. In order of the calls, on X/XX/18 I spoke to : 1. XXXX ID # XXXX, 2,  XXXX ID # XXXX, XXXX ID # XXXX. Finally, I became so frustrated with the completely different stories I was being told that I threatened to bring the matter to the attention of this agency, the FDIC, my lawyers and the press, at which point they refused to help me further, and shuttled me to yet another department which refused to speak to me if the call was recorded for accuracy. As of the date of this complaint, NOTHING has been resolved. I have no recourse but to elevate the matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, I am writing to update/correct my personal information on file with your company. 

Please update my address XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX My only social security number is XXXX My only correct date of birth is XX/XX/1996 I do not wish to have any telephone numbers on my report. Please remove all the other addresses off my report as they as they are not deliverable to me by the U.S post office and they are not reportable as per the FCRA, since they are inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

My account with XXXX XXXX XXXX XXXX has been charged off yet they continue to report both the charge off and late payment every month. I'm being penalized 2x for the same account. I checked my on line account with XXXX and they have a monthly payment due each month, yet there has been no agreement after the charge off. I've contacted TransUnion and XXXX. TransUnion advised I call XXXX directly on XX/XX/. On XX/XX/XXXX  I called XXXX in which they transferred me from several departments to redirect me back to the credit bureaus. 

I'm trying to get clarification on the how the information is being reported but no one is able to answer.
Product: Debt collection

Here is the deal ... I do n't owe a debt collector as this issue is with XXXX and they have refused to put down the proper information on this, so it makes it look like I have an account in collections which is inaccurate ... You ca n't have a debt in collection, when it was closed due to a bankruptcy ... This is impacting my life and has caused me to be turned down for a loan and a credit card as I am trying to rebuild my credit score ... I have been working hard on getting things in order and this has put up a road block ... It 's being reported to Transunion credit bureau ... I currently have an attorney who is ready to move on this if it does n't change and get reported as " closed '' due to Bankruptcy ... 
Thank You
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for Insurance and it was brought to my attention that there is some inaccurate, incomplete and unverifiable information reporting on my credit report. 
I received a copy of my credit report and to my surprise I saw all these inaccurate items that I have previously asked you to block. 
I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority.

Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. 
I have provided documents that can prove it. By the way I hope that this does not hinder my ability to obtain Insurance due to this inaccurate information reporting.

I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( i ) can be considered an adverse action. 
Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.If you can not complete this request, please delete the accounts immediately. 
I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate every piece of information and remove these items below from my credit report. 
Accounts XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, SC XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXXXXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX there is some inaccurate information reporting. 
XXXX XXXXXXXX Account Number : XXXX Delete this account. 
XXXX. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX Account Number : XXXX Please remove it from my credit report. 
I
Product: Credit card or prepaid card

I have a my vanilla card that I have had my tax refund and stimulus check direct deposited into. The total amount left is {$2500.00}. I can not withdraw my money at an atm or at a XXXX XXXX XXXX. I can not make a substantial purchase, only small purchases online or in gas stations. I have spoke to customer service on XX/XX/2020 and they informed me nothing is wrong with my card and I am able to withdraw up to {$2500.00} at a XXXX XXXX XXXX but this is simply not the case as every attempt is not only declined but also charging me a purchase fee with no actual purchase. So I cant access my own money and I also am racking up a multitude of fees from attempting to do so. I have retried to contact customer service and can not get anyone on the phone and eventually will get disconnected from the wait. I also can not get a live person from any other numbers of XXXX, income financial solutions or XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was advised to reach out to the FTC regarding the following accounts listed that are not mine. I have also reached out to my local police department and the creditors and have not been able to get this resolved. I'm reaching out to you all to see if you can help me with this. 

UNKNOWN ( Equifax : XXXX UNKNOWN Equifax : XXXX XXXX, XXXX XXXX XXXX ( Equifax : XXXX : XXXX, XXXX XXXX XXXX XXXX  ( Equifax : XXXX XXXX : XXXX XXXX : XXXX ), XXXX XXXX ( Equifax : XXXX XXXX : XXXX XXXX : XXXX ), XXXX XXXX XXXX XXXX ( Equifax : XXXX XXXX : XXXX XXXX XXXX XXXX  : XXXX ), XXXX XXXX XXXX XXXX ( Equifax : XXXX XXXX : XXXX XXXX XXXX : XXXX, XXXX XXXX XXXX XXXX ( Equifax : XXXX XXXX   : XXXX XXXX : XXXX, XXXX XXXX ( Equifax : XXXX XXXX : XXXX XXXX : XXXX, XXXX ( Equifax : XXXX XXXX : XXXX : XXXX. I requesting the above accounts be removed from my credit report.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately. I had two late payments on an account that I was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late payments I've attached a copy of my report to this complaint on the following dates XX/XX/2023. Thank you for your understanding and prompt action.
Product: Prepaid card

On XXXX XXXX a purchase was made to be delivered to my home and I never received the merchant. I have filed now 4 disputes for them to be denied. The reason behind t he denial is because I made the purchases according to the reasoning behind the denial. The merchant informed me to file a dispute with my bank. Which is what I did for cash app to turn around 24 hours less and deny it.
Product: Mortgage

CFPB, I have a mortgage with Suntrust mortgage. It is XXXX  XXXX. Due to the Covid 19 pandemic, I was laid off from my job for quite some time. 

The government has assisted mortgage companies a lot in order to help everyone during this tough time during the pandemic. 
Now that the dust is settling and we are going back to paying our mortgage, they are not allowing for refinance. 
My mortgage company, Suntrust, is offering 3 options : 1.Pay it all back now- ( how would a hardship person have this money? ) and they did not mention is it is on top of the principal or if it will be subtracted, ( like it would be if I had paid the mortgage on time ). 
2.Pay it all back after the mortgage ends, ( adding a year of interest and principal on the mortgage, essentially turning it in to 31 year mortgage ).

3. add 10 years on to your mortgage, ( interest included of course ) We did not discuss option 1 and 3, but option 2 adds last years ' unpaid on to the principal after the loan terms are completed. I believe that option 1 adds it as a payment, but does not adjust the principal for payments due, like it would had made the payments. 

Here is an example if there were 10 years left on mortgage loan : Principal before pandemicXX/XX/XXXX- {$100000.00} ( 10 years left to pay ) Unpaid mortgage payments less the escrow {$1000.00} per month, or {$12000.00} total for the 12 months unpaid Mortgage payment distribution per month, of {$1000.00}, {$750.00} goes to principal and {$250.00} interest Option 2- Start paying again and add 2020 to the back end as a balloon payment- {$1200.00} Principal on XX/XX/XXXX- {$110000.00} The mortgage is no longer 10 years, it is 11 years, ( except the balloon payment is due on the date of payoff ). 
They are screwing everyone! 

They are making a profit on the COVID 19 pandemic by forcing homeowners that had hardship in to bad terms. 

THIS IS UNFAIR BUSINESS PRACTICE! 

These mortgage companies were bailed out by the government and now they turn around and XXXX the people they are supposed to be helping. 

What can be done? 

XXXX XXXX Hardship homeowner
Product: Credit reporting

I do not know this company and was not provided no specific update information when it was updated on my credit report. Just a different name and that I do not recognize and this do not belong to me.
Product: Credit card or prepaid card

XXXX of XXXX  signed up for a vacation club membership totaling {$7200.00} while visiting XXXX. Shortly after reading several XXXX  complaints online, realized this company was known to be fraudulent and not providing services to their customers as promised. Was informed we could cancel said membership @ anytime as long as the services were not used ( which they were not ). After much back and forth with the company, they refused to cancel the membership and stated they would not refund the money either. At this time I decided to file a dispute with Chase Bank over the charges. During, still trying to communicate back to the company and get the issue resolved. Sent many emails, with very little response back and was promised many calls ( no one ever called ). 

As i opened dispute with Chase Bank ( last ditch effort ), as they requested, I provided ALL email correspondence, dates/times calls were promised ( which no calls were received ) and my cancellation letter i sent to the other company. XX/XX/XXXX, Chase sent a letter say the charges were VALID and they would close the dispute accordingly. At that time, I reached back out to Chase and had the dispute reopened as I would try and rebuttal their decision. Chase Bank promised a call to discuss the reopened dispute asap, that never happened. XX/XX/XXXX, received another notice from Chase Bank stating, yet again, they are closing the dispute as valid charges. I contacted them today, XX/XX/XXXX, talked to a supervisor and was told that the dispute should've been filed differently buy a dispute specialist and that since it's been so long since the original dispute was filed, there's nothing they can do to help. 

At this point I am at a complete loss. Can not turn to my financial institute to help support their customer and the company I purchased from WILL NOT come through with services promised and they just will not contact me back about any resolutions.
Product: Credit card

I attempted to make a purchase that required a XXXX account. Before the XXXX account was completed, the machine I intended to purchase was sold to someone else, so the XXXX account was never completed. XXXX stated they had placed a hold on my credit card and that it still showed long past the normal hold time. XXXX documentation shows the attempted transaction was cancelled ( moreover, I was not eligible to send funds until the account was completed with identity verification as required by law ). Capital One kept applying the amount as a charge and then removing it, rather than showing it as a hold. At XXXX point, they charged interest, which was removed because interest is not charged on a hold. XXXX provided a tracking code for Capital One to trace XXXX 's system, which was provided to Capital One, but Capital One has not indicated they ever tried to utilize it. In a chat, Capital One 's final disposition record was removing the hold, but it still appears on my statements and Capital One is again charging interest on it. This issue was disputed with Capital One well within the required timeline but Capital One keeps closing then resurrecting it.
Product: Credit card

On XX/XX/XXXX, I contacted Citi Bank and requested to be connected to their fraud department after noticing three fraudulent charges on my account. The charges occurred on XX/XX/XXXX with XXXX XXXX XXXX  in XXXX XXXX XXXX CA , amounting to {$1400.00}, on XX/XX/XXXX with XXXX XXXX totaling {$430.00}, and on XX/XX/XXXX with XXXX XXXX XXXX in NY for {$39.00}. The {$39.00} charge was promptly removed, and a dispute was filed for the other two charges. While awaiting a response to my dispute, I discovered another pending fraudulent charge on my account. I immediately contacted Citi to cancel the pending charge. Despite being assured that a new card would be sent and the old one closed, the fraudulent charge remained pending. After numerous calls to Citi Bank throughout XXXX and XXXX, the charges were finally reversed in XXXX. However, in XXXX, I received a letter from Citi regarding my dispute. According to the letter, the merchant provided documentation affirming the validity of the {$1400.00} fraudulent charge ( XXXX XXXX XXXX ), and the charge was reinstated on my account. Upon reviewing the documentation, I found compelling evidence on the first page indicating that the charge was indeed fraudulent. Specifically, the email address associated with the purchase differed from my valid email address, which I confirm on every call to Citi Bank. Additionally, the IP address on the purchase did not match my home address in XXXX XXXX, NV, showing XXXX, California. I am urgently seeking assistance in removing the fraudulent charge of {$1400.00}, confirming the illegitimacy of the {$430.00} charge, and obtaining a refund to close my account. I no longer have confidence in the security of my information with Citi Bank. 

Citi Bank responded to my original complaint with a letter that they were going to take care of it. It has now been 3 weeks. My account is currently past due, and I am being asked to settle a substantial minimum balance to bring it up to date. Despite being informed of fraudulent charges being removed three weeks ago, they have not been removed, resulting in my account being in the red due to the delayed resolution process and my credit being ruined. 
According to previous communications, I was assured that I wouldn't be obligated to make any payments until the fraudulent charges were resolved. However, nearly SIX MONTHS after the occurrence of these charges, they remain on my account unresolved. This situation has left me hesitant to proceed with the payment, as the promised resolution has not been fulfilled.
Product: Checking or savings account

Bank of America opened a checking account using my name address possible social security. Without my authorization or consent. Received multiple letters on the mail including a debit card.
Product: Debt collection

I have XXXX collection agencies tryingXXXXXXXX to collect the same debt. 
1. Resurgent Capital Services, XXXX, SC XXXX and2. XXXX, XXXX, MN XXXXThe debt originated from XXXX, There is only XXXX debt for XXXX. Both companies insist that their claim is legitimate and have refuse to provide any proof of the debt. 
I do not want to pay XXXX.
Product: Credit card or prepaid card

I have reported to Bank of America four fraudulent charges to my credit card. All the charges were for XXXX. I have never had an XXXX account. I spoke with XXXX, who verifed that I do not have an account there. XXXX investigated and told me that someone else used my credit card fraudulently, and XXXX said they have now closed that account. However, Bank of America seems to have done no fraud investigation. Bank of America gave me a temporary credit for all four fraudulent XXXX charges, but then Bank of America charged one of the fraudulent charges back to me with no explanation. When I asked for an explanation they could not give me one. They said they would send me a letter about the chargeback but they did not. I feel that since I first reported the fraudulent charges to Bank of America on XX/XX/19 ( more than 90 days ago ), they have had ample time to do an investigation and resolve this. I am unable to determine why Bank of America has not resolved this problem because they will not give me information, and they have refused to let me speak with an investigator or supervisor. 
Here are the fraudulent charges from XXXX : XX/XX/19 {$1100.00} XX/XX/19 {$1300.00} XX/XX/19 {$6900.00} XX/XX/19 {$6900.00} I have contacted Bank of America about this problem on the following dates : XX/XX/19 XX/XX/19 XX/XX/19 XX/XX/19
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax refuses to tell me whether my SS # was stolen through them
Product: Debt collection

There was a vehicle purchased back in XX/XX/XXXX from a dealership and being that at the moment my grandfather didn't have credit my information was used as the account holder and my grandfather was the co-signer on property in question. My grandfather became sick back in XX/XX/XXXX and I was taking care of the payments for him until XX/XX/XXXX he passed away. I did call and speak with an Santander Customer service rep and I informed her of what had taken place. Maybe about a month after the vehicle was repossessed. According to the Fla Statute 537.012 I wasn't  informed on where I could retrieve the items out of the property, nor did I receive a written notice about the sale/auction of the vehicle if I wanted to get it for myself now that the co-signer had been deceased. After, the property was sold at an auction I was notified with a written notice until it showed up on my credit report. I tried disputing this with the company numerous times with no success. They are negatively reporting almost every month updating new late payments when I haven't had possession of the property in question since XX/XX/XXXX. I have been trying since XX/XX/XXXX to get this information straighten because it is hurting my credit. The individuals that work at this company doesn't care about anything and are quite rude when spoke to upon the phone.