23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

This complaint refers to a specific recurring issue regarding the manner in which Capital One processes payments. My due date to pay my credit card bill is on the XXXX of the month with no grace period. However, payments actually made on the due date incur a significant late fee because Capital One says payments made that day are " processed '' and then posted the next day. 

They claim a cut off of XXXX eastern time in terms of processing payments made that day. My contention, and I was told by the customer service person that this is a common complaint, is that if I make a payment on that date, whether it is early in the day or XXXX minute prior to XXXX, should be accounted for that day. Their policy, somehow written into the credit card agreement and no doubt buried somewhere in the mountain of fine print typical of cc agreements, is an absurd and egregious money grab. 

I asked that my credit card account and all billing issues be frozen until this matter was resolved and was refused. Also, credit card companies should be held accountable for these kinds of anti consumer practices. Some of us are smart enough to know that they have armies of lobbyists who allow them to get away with sticking it to us with crazy fees and penalties for the smallest mistake, but this is no mistake. If my due date is the XXXX and I pay on the XXXX, I should not be penalized regardless of their internal policy, accounting or cut off time. In fact, the cut off time should be moved to the XXXX to allow time for processing payments that were made on the XXXX.
Product: Vehicle loan or lease

I tried to make my usual payment through the Hyundai app and it would not work. I contacted the company several times through the app and did not hear back. I then went to the website and tried several times and had the same trouble. I took screenshots and sent to the company and waited to hear back. I did not hear back but eventually was able to make the payment a couple of week later. They reported my payment late to XXXX etc.
Product: Money transfer, virtual currency, or money service

I used XXXX to send my rent money to my landlord, but he never received it. 
I went to both banks involved in person and brought my landlord with me. 
I was advised to file a police report which I did. 
Chase Bank acknowledged their errors and stated the money went into a wrong account, but could not retrieve the money without a lawsuit. I was unable to get a lawyer. 
Attached are my statements from my account at XXXX  XXXX XXXX and the Police Report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX who is submitting this CFPB complaint, and upon checking my most recent credit report, I noticed that the Credit Bureau is continuously reporting accounts witherroneous information. This is a massive violation of the Fair Credit Reporting Act. I have already addressed them with regard to this issue and I have not received any response fromthem until this date. 
XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$99.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

these companies will not give me my credit report, they have me mail in my identification and make it difficult to freeze these 3rd party reports. They need to be frozen immediately and the address, phone, email and work need to be updated, instead of all these fake addresses. Their websites dont allow me to freeze REPORTING OF ADDRESSES THAT ARE NOT MINE MY NAME IS XXXX XXXX XXXX MY ADDRESS IS XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX NV XXXX MY PHONE NUMBER IS XXXX XXXX XXXX MY EMAIL ADDRESS IS XXXX MY SECOND HOME ADDRESS IS XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX my Jobs XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 


15 U.S. Code 1681i THE INNACURATE REPORTING IS DAMAGING MY CREDIT, THEY NEED TO REMOVE ALL NUMBERS AND ADDRESSES THAT ARE NOT MINE
Product: Credit reporting or other personal consumer reports

I am writing for two ( 2 ) reasons : 1. To dispute certain information in my credit file ; and 2. To have you re-investigate and remove inaccurate information from my Credit Report and prevent its re-insertion. The item ( s ) I dispute are listed below and are inaccurate orincomplete. I am requesting that the item be investigatedto correct the information XX/XX/XXXX Bankruptcy Reference # : XXXX
Product: Mortgage

I purchased my home in XX/XX/XXXX, and upon completion my load was sold to Dovenmuehle Mtg. In XXXX they sold my loan to XXXX. Within the first 30 days XXXX notified me they had not received my XXXX payment, as it was sent to Dovenmuehle. Upon reaching out it was corrected, BUT THEN I was hit with a escrow shortage. I am not sure how that is possible in the first year of owning a home, but I called to find out Dovenmuehle claims to of sent me a escrow overage XX/XX/XXXX. I never received such check but was informed I would need to call them. I called XX/XX/XXXX to be told they needed 2-3 business days to research and then I WOULD HAVE TO CALL BACK. So I reached out XX/XX/XXXX to ask what was discovered. I was told that they would need to issue a new check and that would take 3-5 business days. I called XX/XX/XXXX to be told a check would be mailed out and it would take 7-10 days for me to receive. Due to the holidays and the plandemic I gave it some extra time. I called again XX/XX/XXXX to be told they do not know where my check was and that they would need to escalate my issue and someone would contact me within 3-5 business days. Here we are 8 days later and I am now being told that they can not do anything to help me for 30 days. And there is nobody to speak with, that I can leave a VM for a supervisor. They are harboring money, and owe me {$890.00} and I want my money back.
Product: Credit reporting or other personal consumer reports

There was a credit inquiry/hard pull with XXXX XXXX XXXX XXXX XXXXXX/XX/year> I never inquired with that company.
Product: Credit card

Dear Bank of America ; I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/year>. 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Product: Credit reporting or other personal consumer reports

Items by XXXX XXXX XXXX Still showing on credit report, pass the statue of limitations in my home state. Under Virginia code 8.01-246 ( 4 ) Statute of Limitations on Debt in Virginia Debt Type Deadline Open account 3 years Oral contracts 3 years Auto Loan 4 years Written contracts 5 years Credit card 5 years Medical debt 3 years
Product: Debt collection

How did it go through from {$1800.00} and {$1400.00}? SO MANY INACCURACIES ON THIS ACCOUNT. IT WAS REMOVED 3X TIMES AND NOW IT COMES BACK WITHOUT PROPER NOTIFICATIONS AND RE-INSERTION NOTICE. THIS IS A VIOLATION! I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
Product: Debt collection

XXXX XXXX has tried to collect the amount of XXXX dollars from me. I havent defaulted on any bill or statement in a few years. they hit my credit for that amount 3 time in just one month. the dates are XX/XX/2018, XX/XX/2018, XX/XX/2018 they are all for the same amount XX/XX/18 and XX/XX/2018 are both on my XXXX the XX/XX/2018 is on my XXXX. i have never even heard of this company before.
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is another request to block or remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts not later than 4 business days after the XX/XX/XXXX. Ive already included this report in my previous letter & I am including it again. Also, the information you provided on some accounts are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 

This letter is to notify you if you do not BLOCK OR REMOVE the listed accounts on my report, I will be filing a lawsuit. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 

This is your FINAL WARNING. Please BLOCK AND REMOVE the ITEMS resulting from alleged identity theft. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Experian, XXXX, and XXXX are neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotional, physical & financially... and I would truly not what to pursue a legal remedy... 

XXXX XXXX XXXX XXXX Open Date : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX Open Date : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Balance : {$0.00}, U.S. Bankruptcy Court XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX  XXXX, and XXXX XXXX Open Date : XX/XX/XXXX Balance : {$0.00}.
Product: Checking or savings account

Bank in question : Wells Fargo Tuesday XXXX I have been a wells fargo customer for 10 years, not that it seems to matter. 
I deposited a check via mobile deposit. 
When I went to see where the funds were they said there was a hold on the check because of " fraud ''. I asked for more information but they declined. I then went to the clients bank that gave me the check, they said the check was good and the money had already been debited out of her account. I spoke with multiple associates who told me multiple different things, one said the fed put a hold on it, another said the check image eas bad. The issuer of the check and her bank even tried to rectify the situation with wells fargo but they still wouldnt work with us. Then we were going to cancel the account but could n't because they had already taken the money! After this an Executive Wells Fargo supervisor told me they would be charging me a {$12.00} fee if I the issuer cancels the check. The systen will run the check again on the XX/XX/XXXX of this month and when I asked them not to do this they refused, and said I didnt have a choice, then I filed a complaint and when I asked for a copy of the complaint the executive said No. So what is to keep them from deleting my complaint and any record of the transaction and forced fees if I was to seek legal action? This is absolutely un-ethical. 
Thank you for your time!
Product: Credit reporting

I had a fraud alert put onto my credit report because I am a victim of identity theft. I have filed a complaint on Identitytheft.gov and with the XXXX police department. This agency refuses to remove the fraudulent XXXX and XXXX accounts from my credit report. This agency refuses to investigate the fraud and is insistantly harassing me by keeping this fraud account on my credit report. I have complained repeatedly but the credit report agencies do nothing.
Product: Money transfer, virtual currency, or money service

The Chime banking app sent me an email with information for how to finish setting up an account with them that I never authorized.
Product: Credit reporting, credit repair services, or other personal consumer reports

This scam continues with credit inquiries! How is a consumer to shop when too many " hits '' creates a negative. Every car dealer you speak to etc. Frankly designed to kill you financially. It is an inquiry NOT a loan! 

How Do Inquiries for Mortgages, Auto Loans and Other Loans Impact Your Credit Score? 

Hard credit inquiries, like other information on your credit reports, are seen by the major consumer credit scoring models, FICO and XXXX. Having multiple hard inquiries within a short period of time can be predictive of credit risk, so having too many inquiries for different types of credit can result in a lower credit score. And get this any and all are allowed to make inquries and NO FREEZE keeps them off the file FACT! 

While all hard inquiries resulting from loan applications were once considered separate events by credit scoring models, that hasn't been the case for many years. FICO and XXXX have evolved in their treatment of multiple inquiries as a way to avoid unfairly penalizing a consumer for being a smart rate shopper. 

In the contemporary versions of FICO 's credit scores, for example, hard inquiries related to mortgage, auto loan and student loan applications are entirely ignored for 30 days from the date of the inquiry. So if you settle on a loan during that 30-day time period, your scores will not be affected by inquiries. 

After those inquiries have aged past 30 days, they still may not be counted as independent inquiries by credit scoring models. That's because FICO considers similar loan-related inquiries that have occurred within 45 days of each other as a single inquiry in the scoring process. 

For example, if you shopped around for an auto loan with five different lenders over a period of 45 days, FICO would consider those five hard inquiries as one hard inquiry for credit scoring purposes. This is because the inquiries all occurred within 45 days of each other, and FICO understands that you were rate-shopping for one loan, not five loans. 

In XXXX 's credit scoring systems, all hard inquiries that occur within 14 days of each other are considered as one inquiry for the scoring process. This applies to all hard inquiries, regardless of the lender. 
Inquiries Are Minimally Important to Credit Scores The reason any type of information in your credit report may factor into your credit score is its indication of credit risk. Taking on multiple new credit obligations in a short period of time indicates possible financial distress and elevated credit risk, which is why hard inquiries can impact your scores. That said, hard inquiries do not always impact your scores and are never the sole reason for a low score or being declined for credit. 

When you compare the influence of inquiries with the influence of the other credit scoring categories, you will see that the consideration of inquiries is the least important aspect of your credit reports. They just aren't that important to your scores. 

REALLY OPINION BY EXPERIENCE not true!
Product: Credit reporting, credit repair services, or other personal consumer reports

The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from the alleged identity theft. 
XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$740.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXD XX/XX/XXXX
Product: Debt collection

The companies listed below are constantly reporting false information to the credit bureaus and I previously made a complaint and nothing was done. I have them as a collections on my report that should not be there. These are violating my legal right to privacy and I would like it to be resolved. They have yet to provide proof of any written agreement from myself. Their accounts were created illegally against my authorization violation the fair credit act and my right to privacy. Legally there is suppose to be written proof of notification of any debt 30 days before due date. Shown to be sent by certified mail, Im requesting proof of that from the company.
Product: Credit reporting or other personal consumer reports

This is my second request disputing inaccurate information on my credit report. Under the Fair Credit Reporting Act ( FCRA ), Fair and Accurate Credit Transactions Act ( FACTA ), and Fair Debt Collection Practices Act ( FDCPA ), Truth in Lending Act ( TILA ) I am entitled to dispute fraudulent accounts and expect a prompt investigation. During the next XXXX days As a victim of identity theft, I request validation of the following accounts : Creditor : XXXX XXXX Account Number : XXXX Reason : This account is not mine ; I never received communication from the creditor. Verification proof has not been provided. 

Creditor : XXXX XXXX, Account XXXX : XXXX Reason : This is a fraudulent account. A police report has been filed. 

Other Accounts Reported in FTC Report and Police Report : XXXXXXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Account Number : XXXX This issue has caused significant distress. I have reported it to the FTC, CFPB, and XXXX  for further assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the fair credit reporting act. the list of account below has violated by federally protected consumer rights to privacy and confidentially under 15 USC 1681. 

ACCOUNT # XXXX ACCOUNT # XXXX ACCOUNT # XXXX ACCOUNT # XXXX ACCOUNT # XXXX ACCOUNT # XXXX ACCOUNT # XXXX This Above listed Accounts 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 account without my written instruction.

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 record of convictions of crimes which antedates the report by more than seven years.

15.U.S.C 1681a-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 causes to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Two Verification of debt letters were sent to XXXX. Transition did not investigate or provide me with any verification of debt. 

The amounts are {$1300.00} and {$1500.00} for Midland Credit Management.
Product: Payday loan, title loan, personal loan, or advance loan

Open an account with this company but when I tried to go make payments I wasn't able to make an account without my account number so I contacted support for my account number and I wasn't able to get a response. I get a bill in the mail which has my account number and make my account I go to make a payment and notice immediately that I have late fees on my account I reached out to them again asking them why and to remove the late fees but they won't respond to me I've been trying to contact them for months I've called I've emailed and I even spoke to someone in HR department wasn't able to get to customer support at all or any responses now I see that the missed payment is on my credit report this company is fraudulently charging me late fees and they have no custom support to help me with the issue it is now affecting my credit score. I would like to demand that they remove the late fee so it comes off my credit report. 

There's a {$29.00} late fee on XXXX 's statement there is also a {$69.00} late fee on XXXX 's statement. I have emails proving that I reached out to TD Bank so I could pay my bill, these emails are dated before the late fees were applied.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2021, Transunion. I disputed a XXXX  account. The Date Opened was inaccurate on my Transunion credit report date on the top right, date issued : XX/XX/2021 When I disputed this inaccurate reporting I told Transunion to DELETE the XXXX account due to inaccurate report. I received investigation results of my credit report, date issued XX/XX/2021. Transunion DID NOT DELETE the account. Transunion updated the XXXX account. That is a violation of the FAIR CREDIT REPORTING ACT 15 U.S code 1681. I have attached my Transunion credit report and the dates are highlighted. THIS IS A CLEARLY VIOLATION AND THIS INACCURATE REPORTING WAS NOT INVESTIGATED CORRECTLY. DELETE THE TBOM/FORTIVA ACCOUNT. Documents are attached.
Product: Credit reporting or other personal consumer reports

I am in disagreement with the account listed below which still appears on my credit report, even after your investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score. 

XXXX  Account # XXXX In accordance to The Fair Credit Reporting Act, Public law 91-506, title VI section 611 please provide the names and business addresses of each individual with whom you verified above so that I may follow up. Please send me an updated copy of my report after your reinvestigation.
Product: Debt collection

I have reached out to XXXX XXXX XXXX  about account XXXX opened XX/XX/XXXX for the amount of {$300.00} with a current reported balance of {$480.00}. I contacted them in writing on XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX about this account being a fraudulent account. I sent a copy of my police report, Identity theft affidavit along with copies of my license, and social security card. I have not received any documents or any correspondence back form this company. This is in direct violation to the Fair Credit Reporting act.