23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I purchased a cashiers check at a capital one branch in XXXX XXXX and mailed it using XXXX  overnight and XXXX lost the check. I contacted capital one on XX/XX/XXXX to see what could be done to recover my money since the check was lost and had not been cashed and I was told that before a stop payment could be issued I had a waiting period of 91 days. After the 91 days had passed I called capital one to have the stop payment issued on the check since it was verified as being outstanding ( not cashed ) and It has been nearly two weeks of trying to get them to follow their process to get my money back but it seems that nothing is being done. I have called in 5 times in the last two weeks since no stop payment has been placed, the affadavit I was asked to fill out was never sent to me and I still dont have my money back in my account. I just want my money back. I didn't lose the check and i already had to replace the money that was lost. I feel like this is being done purposefully so they don't have to give me my money back. Maybe they think I will just forget but I need my money and this is ridiculous. I have called in on XX/XX/XXXX, XXXX XXXX and XXXX only to be given the runaround. Something needs to be done.
Product: Debt collection

This company repeatedly calls me, from phone number, XXXX. I do not know if another company that I complained against, simply sold the unknown debt to XXXX XXXX XXXX. 

I want this company to stop calling and put in writing, who they represent and what they claim is owed. Also, if your agency contacts this company, I do n't want them to simply write a letter of appeasement and then sell the unknown debt to somebody else, to repeat the cycle. 

I was taught that I first need a letter in writing and have 30 days to dispute the validity of the debt, in California, before a debt collector can legally call me.
Product: Payday loan, title loan, or personal loan

I set up payment arrangements with XXXX at EMG. She then reopened my loan instead basically renewing it. Since then I have been unable to pay. At this point they have now called my references and told them that they are COLLECTING on a loan. This was private information. They were only supposed to call the references to tell them that they needed to speak with me. Now everyone knows I can't pay my loan there. They called XXXX XXXX and spoke with her on the phone stating multiple times that they were calling to collect the money I owed. I am not ok with this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I traded in my vehicle XX/XX/XXXX. USAA report my credit 30 days late XX/XX/XXXX when it was not late causing my credit to drop and they will not correct the problem. I submitted all required documents.
Product: Credit card or prepaid card

In XX/XX/XXXX .I try to pay this company..I start making payment through XX/XX/XXXX ..The collector say don't worry about the last payment of XXXX..But I was blinded sided by this my account was sold to XXXX XXXX.I try to resolve this account with .XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX .I went to day XXXX a clock to resolve this .But they had no Empathy act all..I told them I had a XXXX XXXX when I lost my job .and act that time I  was In a serious accident that made me no longer a XXXX.I feel nobody will understand until there in shoes.ADA .The little money I save they took. How can a judge let a collector take from XX/XX/XXXX..I didn't like what she said file bankruptcy..Im trying to get back on track and bill a strong credit.not damage and make it hard for me to rent.I pay my on rent and no help from Hud..i asking this company to let me go or make a settlement .like I told the lawyer in court I don't owe this money ... I. wish they would find different judges..Because I think they all friends because they never listen always take the lawyer side. I thought judges are supposed, to say this is a hardship case Dismiss this case.under the law.. Please I hope you can have mercy and help .with no charge .I just want to free from this Loan sharks. Thank you for your corporation in this matter XXXX XXXX XXXX XXXX
Product: Debt collection

I paid all of these to pro collect in full right away. They told me they would not reflect my credit as they are paid in full and they still have them open and they should not be as they are paid! They should not be open.
Product: Credit reporting or other personal consumer reports

XXXX has failed to fulfill its legal obligation under the Fair Credit Reporting Act to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifable accounts unresolved. The Consumer Financial Protection Bureau has recently filed a lawsuit against XXXX, alleging systematic issues such as failing to forward consumer provided evidence to furnishers, accepting unreliable resoonses, and failing to adequately notify consumers of dispute outcomes. These failures akign with my experience, where XXXX has neither corrected nor removed disputed items despite tge evidence i provided, causing ongoing harm to my credit standing, I am requesting immediate corrective action to remove or amend tge disputed accounts, as XXXX inaction violates federal law and my rights as a consumer,
Product: Credit reporting or other personal consumer reports

all XXXX credit bureaus is reporting this information that is incorrect and it dont belong to me.i have disputed the information did no good i also asked for them to show the paperwork proving its me i am a victim of identity theft i have a fraud alert on my account. it was alot of inquies and companies i never gave permission to use my info.
Product: Prepaid card

I have a account with Rush card and my direct deposit has not been given to me, and I 've called customer service and keep getting hung up on. The automated system said they can not locate my account with my social security #. I really need my paycheck.
Product: Checking or savings account

I called on XX/XX/23 about XXXX transactions I wanted to dispute. XXXX was submitted via form and did not get created until XX/XX/23. The other was created on XX/XX/23. The one created on XX/XX/23 has no update and only states it was received. The one created on XX/XX/23 is in process and a provisional credit has been issued. I called on XX/XX/23 to get an update. No update was provided and the representative advised they would put in a request for additional information. That will have been a week ago tomorrow XX/XX/23. It does not seem as if my bank wants to work on resolving my dispute.
Product: Mortgage

My problem is with NEWREZ LLC NMLS # XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX PA XXXX They have bought my current mortgage from bankrupt Ditech and are now the servicers of this loan. However, they only carry a mortgage history from XXXX via one department and history from XXXX from another department, so I am having problems getting information about the total balance on my principal. 

My original loan and payments started back in XXXX, so NewRez has no payment history from that date onward. I can not see if they are not crediting me with payments in those missing years, since the principal balance has actually gone up from {$210000.00} to {$290000.00}. I have been asking them over and over why has my balance gone up, and they can not answer or refuse to answer this question. 

Instead, they send me a summary of payments with loan amounts, fees, and other amounts that are either added to my balance or are just listed, I can't tell which. I am unable to speak directly with them, only to Customer Service or Loss Mitigation employees who do not know the reason for the fees or additional principal. 

NewRez has been very good in certain areas with at least trying to answer my questions in the Customer Service area, but they are limited in what they can do or say. They do not know why certain items are on my history and can not tell me if those items are added to my principal balance.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX TRANSUNION was never late! I have had exceptional payment history all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports
Product: Credit card or prepaid card

Not card # in this report, unknown new card #. Bank of America approved credit under my name, checked my credit report from Texas but approved travel credit card for someone in XXXX MA, I live in Texas, yet emailed to me in Texas at my existing address. I've had an account with Bank account with them for 30 years. Got notice of application, contacted Bank of Am on a lengthy call, they denied that an application was pending. 2 weeks later, got notice that a credit card was being mailed, called again, after a lengthy call, Got fraud control dept. They validated that a new account in my name was opened. They used my credit report from a Texas address to approve a credit card in my name to XXXX MA. This is unacceptable and sloppy bamking, it has caused me horrible stress, and it has been grossly time consuming trying to resolve.
Product: Credit reporting, credit repair services, or other personal consumer reports

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. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I h
ave 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: Credit card or prepaid card

I have three promotional balances with XXXX 's XXXX. The promotional terms are 6 months, zero interest if paid in full. The first promotional balance was due to be paid in full on or before XX/XX/2018. The remaining balance, {$35.00}, was listed on the XXXX statement. I contacted Customer Service to inquire on the process to apply payment to the promotional balance. I was informed that I would need to make the minimum payment for the statement ( {$30.00} ) by the due date XX/XX/2018 and the remaining promotional payment amount ( {$35.00} ) by its due date, XX/XX/2018. I was further advised that I would need to contact Customer Service after the promotional balance payment to have the amount applied to the appropriate balance. I completed the three steps : -paid minimum statement balance by due date, paid promotional balance by due date and contacted Customer Service through the XXXX XXXX XXXX. XXXX, the card issuer, has now refused ( twice ) to apply the promotional payment. In addition, they have declined to provide my account details although I have requested confirmation in writing on three occasions. Instead, they send responses to me with the general policy for payments and balances. If the payment is not applied accurately, I will incur deferred interest charges. I have submitted the payments on time and am hoping to ensure the terms are honored.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, XXXX, XXXX, and Equifax the credit reporting agencies, block all information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXXXXXX XXXX on XX/XX/year>. 

This theft has also resulted in several fraudulent hard inquiries appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned account or hard inquiries as reported. The aforementioned accounts and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

I did not authorize these inquiries on my credit report please remove them from my credit immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CAPITAL ONE AUTO FIN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I have been having a problem with JPMorgan Chase bank about some fees they applied. I called them numerous times to get it resolved and each time I thought I was done until the next statement, when more fees would show up. 

After 18-months of this, I wrote to Chase and told them I will not longer make any more payments and all payments would be held in a separate account until this issue is once and for all resolved. Chase responded with a notice to foreclose on my property. 

I am going to retain a lawyer now to fight them, it is not a question of not being able to make the payments, it is an issue of Chase trying to cheat me in spite of numerous attempts to resolve this issue amicably.
Product: Credit reporting, credit repair services, or other personal consumer reports

Accounts XXXX XXXX XXXX XXXX XXXX XXXX  The following two accounts have been paid prior to closure. There was no retrial of the case after it was dismissed by the court. I would like the case to be dismissed from my credit report and removed from my American Express account and updated as a renewal of the credit card. The arrears have been removed due to the completion of the case, and I have won the lawsuit.
Product: Checking or savings account

In XX/XX/XXXX I applied for a savings account with XXXX XXXX XXXX and in the denial letter it referenced it was based on information from Consumer Reporting Agencies XXXX and XXXX XXXX. I requested my report from these companies but didn't see what the problem was. In XXXX I applied for a savings account with XXXX XXXX and XXXX and was denied by both. They both relied on XXXX XXXX   and XXXX stated that my score was XXXX based on a range of 100 to 899 which was a shock. 

I obtained my report from XXXX XXXX which was easy to read and the only problem was that there were 16 inquiries in the last 3 years by Synchrony Bank, XXXX XXXX XXXX XXXX XXXX, XXXX, NJ XXXX. These were also on the XXXX XXXX report. 

I have a savings account, 14 active CD 's and CD 's that have matured with Synchrony Bank. What I didn't know was that every time I purchased a CD an inquiry was sent to the Consumer Reporting Agencies and that is viewed as a major bad thing to have so many inquiries by banks I was attempting to open a savings account with. 

I contacted XXXX XXXX and was told that the best way to resolve my problem was to contact Synchrony Bank and request that the inquiries be removed. I called their help center and was told that they had to do the inquiries because of the Patriot Act and that that was the way it is. 

I then wrote a letter on XX/XX/XXXX to Synchrony Bank explaining the situation and that I could no longer open bank accounts because of their inquiries and asked them to remove them. 

Today XX/XX/XXXX I received a phone call from XXXX XXXX at Synchrony Bank Complaints Department and I discussed with her the problems these inquiries were causing and even though I had done nothing wrong I can no longer open bank accounts. Her reply was they could not remove the inquiries because they were bank procedure. When I told her these inquiries were no longer needed by Synchrony Bank her reply was that they wouldn't remove them again because of bank procedure and if they did it for me they would have to do it for everyone. 

Please note because my wife is listed as co owner of the savings and CD 's she has the same Synchrony Bank inquiries at the Consumer Reporting Agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credits BureausXXXX XXXX to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. 
XXXX XXXX XXXX Balance Owed : {$270.00XXXX XXXX XXXXXXXX XXXX Balance Owed : {$250.00}
Product: Credit reporting or other personal consumer reports

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX, XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX  Balance : {$950.00} XXXX XXXX  Balance : {$950.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  Balance : {$3000.00} XXXX XXXX Balance : {$200.00} XXXX XXXX XXXX Balance {$3000.00} XXXX XXXX Balance {$320.00} XXXX XXXX XXXX Balance : {$8000.00} XXXX XXXX Balance : {$2200.00} XXXX XXXX XXXX XXXX XXXX Balance : {$6100.00} XXXX  XXXX Bankruptcy XXXX Date Filed/Reported XX/XX/XXXX XXXX  XXXX Bankruptcy Discharged Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Overcharged fees repeatedly. Opened XX/XX/XXXX ( Loan paid off XX/XX/XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

Account has been closed in XXXX of XXXX. After looking at my reports it shows late payments in XX/XX/XXXX. If an account is closed and 0 balance in XXXX, how can you reopened an closed account in XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am receiving constant notification via XXXX XXXX that this company is reporting my payment history as having past due payments on an account that was paid in full and closed in XXXX of 2021. I have disputed this information every month since XXXX with Trans Union. Trans Union would clear the incorrect information only to have XXXX XXXX report it again within 30 days. This month they are now reporting incorrect payment history to XXXX. 
When I was a XXXX XXXX  customer, I paid them every two weeks and I was never more than 30 days past due. I have enclosed a sample of my bank statement for your review. I was told by the company that my payments were misapplied and this was causing the issue. It was a hassle to get them to fix it and finally they agreed and corrected the report BEFORE i paid them off. Their carelessness caused me to rescind doing business with them and pay the account off to prevent future mix-ups. 
I do not understand, why this situation has not been rectified by now and it seems to be getting worst. They reported me at 100 % payment history the life of the loan, then 96 % payment history and this month is now being reported at 91 % payment history after the loan was closed which is unacceptable. This is severely impacting my credit score and causing problems with rates quoted from potential creditors. I sent an email to the company on XXXX for resolution.
Product: Credit reporting or other personal consumer reports

1. Failure to Verify Disputed Information Violation of FCRA 611 I have disputed the accuracy of this account with both TransUnion and XXXX on two separate occasions. Under the Fair Credit Reporting Act ( FCRA ) 611, credit reporting agencies are required to investigate disputed information within 30 days and provide a response indicating the results of the investigation. Despite this requirement, there has been no indication that either credit bureau has verified the information or updated my credit report to reflect my dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/21 I sent a letter to lexis nexis certified mail # XXXX regarding verification and deletion of bankruptcy and inaccurate info. Lexis Nexis has reported a bankruptcy to a third party company ( consumer agency ) without my consent and is in violation of my privacy. Attached in the letter to this complaint I requested answers to a few questions and never received any response. Its been more than 30 days .... -Proof that you did not violate 15 usc 1681 ( a ) ( e ) -That this bankruptcy is verified, and since the courts did not verify, congress states that you would have to conduct an investigation with neighbors, friends or associates which I know was not done neither. -That you had consent/persmission from me to report such information with signature or written instruction 15 usc 168b ( a ) ( 2 ) -That you did not infringe upon my consumer right to privacy which is a form of identity theft 15 usc 1681 ( a ) ( 4 )