23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

My credit card was charged for purchases not made by me. I informed Capital One reps that the balance is inaccurate, yet Capital One is still attempting to collect on a balance that is not mine. In addition, they need to remove derogatory remarks from my credit report. The balance is not valid
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax please delete these two credit inquires that are on my report.XXXX XXXX XXXX They are not mine. They were not initiated by me and you are not authorized to report them. Please see attached police report and other documents. 

Please no more games. FCRA requires you to respond to identity theft issues within 5 days! 

I am tired of calling you all and your personnel behaving like they did not get these documents or can't find the police report. Please retrain your people.
Product: Credit card

I have a Costco Citi Bank Card. On XXXX XXXX I made a payment of {$260.00} Which Citi Bank Cashed. It never appeared on my account. After several calls I went to my local bank, XXXX and they sent a fax with the check tracking no. and the date the check was posted. They still would not credit my account
Product: Credit reporting or other personal consumer reports

My account with XXXX was never late! I have had exceptional payment history with XXXX and all payments were placed on Autopay. 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 paymen t reported in to be removed. 

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 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! 

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I have discovered that certain information is inaccurate. The following item ( s ) require rectification : XXXX {$8300.00} open XXXX, XXXX XXXX {$820.00}, {$6100.00}, {$3600.00} open XXXX, XXXX bank {$340.00}, resurgent receivables {$430.00} XXXX. Please remove this from my report. In accordance with the Fair Credit Reporting Act, I hereby request that you investigate these items and remove them from my report. I understand that you are required to verify these items with the corresponding creditor. Should the creditor fail to provide verification, please eliminate the disputed information. Pursuant to 15 U.S.C. Sec. 1681i ( a ), I expect this reinvestigation to be completed within 30 days from the date of this letter. Please send an updated copy of my credit report to the aforementioned address. As per the act, there should be no charge for this updated report. Additionally, I kindly request that you notify any party who has received my credit report within the past six months of any corrections made. Thank you for your attention and assistance in resolving this matter.
Product: Mortgage

Covid 19 pandemic caused me and my spouse to be unemployed.our unemployment awaited approval inXX/XX/XXXX and XX/XX/XXXX due to conviental loan under mandate I had no help like the Fha loans got forbearance all Vanderbilt mortgage offered was forcloser if I didn't get XXXX doll.i asked them for assistance in the sell if my home in XX/XX/XXXX.i had serious buyer.in a recorded conversation they didn't offer me any assistance with sell or forbearance.i come up with assistant bring loanto current in XX/XX/XXXX. Then in XXXX I find more help XXXX  I need Vanderbilt to sign a paper that XXXX  needs to help with mortgage I call leave messages send emails telling them I got to have this paper.finally Vanderbuilt replays after I complain to XXXX  on them for it giving me the paper.i get it call XXXX  and they say too late they ended program and can't help me now but new program opening I qualify for. Vanderbuilt won't return call emails again have a buyer Vanderbilt mortgage says they won't stop forcloser and sell my home.iamXXXX inhospitl trying to not XXXX XXXX XXXXi can't afford lawyer don't know what to do. Vanderbuilt signed paper from XXXX saying they won't foreclose after revicivibg money for mortgage but they did.
Product: Mortgage

I am trying to reach my mortgage company to find out how much I would need to pay off in order to have the PMI removed from my loan. 

After trying multiple times through the website 's XXXX XXXX XXXX " Contact us '' email feature, on XX/XX/XXXX I called a phone number I received on a refinance mailing from my mortgage company Lakeview Loans. The number was XXXX. They quickly told me that for my issue I actually needed to deal with the loan servicing company and they gave me a new phone number to call XXXX. I called this number and spoke with a " XXXX '' possibly " XXXX '', she told me that I needed to submit a request through the company 's website. As I had already done this on multiple occasions I told her that wasn't going to work, and asked for an e-mail address to send to. She provided me with XXXX. Upon e-mailing this address I received a confirmation of my e-mail and a ticket number and a statement that it could take up to 5 days to respond and that my issue was being sent to the " escrow '' department. I waited one week and on XX/XX/XXXX, after no response, I e-mailed them again and received the same response, and same ticket number. I waited yet another week and again tried to contact them through the website, with no response at all. 

Every month that I have PMI is costing me {$90.00}.
Product: Credit card

XXXX XXXX Date of Birth : XX/XX/XXXX SSN : XXXX ID Type : Drivers License ID Number : XXXX Address : XXXX XXXX XXXX # XXXX XXXX XXXX Ohio XXXX Experian XXXX XXXX XXXX XXXX XXXX TX XXXX ( XXXX ) XXXX I am writing to request an Investigation of the following information that appears on my Experian consumer report. I have NEVER opened or used the following Credit Card numbers : Bank : XXXX XXXX XXXX XX/XX/XXXX ) Account Number : XXXX Credit card Bank : XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ) Account Number : XXXX Credit card Bank : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number
Product: Credit card or prepaid card

I have been calling since XX/XX/XXXX to pay my credit card with comenity bank that I have for a XXXX XXXX credit card. My bill was only {$32.00} it is now {$66.00}. I started calling on XX/XX/XXXX my bill was not due until XXXX. When I call and try to make a payment they tell me they system is down and they can't access my account. Or when they do get in my account and take my payment they get a ERROR notice and it wont take my card. I even tried to do it through their automated system and that wont let me ither. They told me they are working on the problem but no one is giving me answers. I have been calling EVERYDAY since XX/XX/XXXX trying to get my bill paid. I now have interest charges and I am upset. I do not want this to mess up my credit. This company is HORRIBLE. Can you help me?
Product: Mortgage

XX/XX/XXXX, XXXX XXXX XXXX sold my mortgage loan to Nationstar Mortgage. Upon receiving my loan, Nationstar placed my account in a bankruptcy category even though my loan or property was never included in any bankruptcy proceedings. They also failed to report my account or any of my timely payments to the 3 credit bureaus. I requested on several occasions to have Nationstar report my loan to the credit bureaus and each time they refused, siting a bankruptcy that does not exist. In XX/XX/XXXX I began refinance proceeding with another mortgage company. Nationstar received notification of such proceedings and only then did they report to XXXX, however they are reporting drastically incorrect information stating that my loan has been 30-60 days late on many occasions. This is not the case, as my bank statements will show payments have been made on a monthly basis many times far above what my minimum amount due is. These negative, incorrect reporting 's have halted my refinance. They only time my loan was delinquent was XX/XX/XXXX during a brief period of unemployment. Once my employment was reinstated I contacted Nationstar and entered into a repayment plan to pay back all of my past due payments. This plan was completed XX/XX/XXXX. I contacted Nationstar regarding the incorrect reportings to Experian at which time they verbally acknowledged that there has not been any late payments since the above mentioned repayment plan. They stated they could not remove the late reportings to Experian, yet they could refinance my loan if I remained with their company. I refused and asked for the mater to be escalated ; at which time I was told the only department that could help me was their research department. Because they can not be contacted by phone I was told to fax a cover letter and all supporting documentation. I have tried faxing the information on multiple days, on multiple occasions, from multiple fax lines. Each time an error message was received. I called again today and asked for an email address to send my documentation and they refused, stating the fax number was my only option. It was only after I shared my intention of filing a complaint with the FCPB did they provide me an email address. I believe Naitonstar is using the above mentioned tactics to stop me from refinancing with a different mortgage company. Furthermore, XX/XX/XXXX a payment was scheduled with Nationstar on to be debited from my bank account on Thursday, XX/XX/XXXX. The funds were never withdrawn. I called Nationstar and they acknowledged an error on their end and processed the payment on XX/XX/XXXX. I was told my payment history would reflect the first requested date of XX/XX/XXXX, yet it has never been corrected. When I call to inquire, they tell me they are opening a research request and I should hear back via mailed letter within 7 business days. I have never received any written documentation regarding these " request ''. I believe these " research request '' are yet another tactic used by Nationstar to avoid addressing and correcting deliberate processing errors.
Product: Credit reporting or other personal consumer reports

I recently obtained a copy of my consumers credit report from your bureau and hereby dispute the completeness and accuracy of the following information. This information is injuring my consumer report and I request that you correct this information immediately. 
I assume 30 days is a reasonable amount of time for your investigation. After your investigation, please provide me with an updated credit report as well as the names, addresses and telephone numbers of the individuals that have been contacted. 

I insist that you cease reporting these accounts as late on my credit report immediately. Failure to comply with this request may result in legal action being taken against your agency. The information I am disputing is as follows : XXXXXXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX and XXXX XXXX XXXXXXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns using Zelles handing of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost fund was impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX XXXX Balance : {$0.00}
Product: Credit card or prepaid card

On XX/XX/2018, my check was direct deposited on my American Express Bluebird card. I got off work at around XXXX XXXX. I then loaded my family up and went to gas station to put {$60.00} in my tank and 2 packs of smokes. I knew that I had {$830.00} on my card after paying for insurance and making a few other purchases. When I ran my card, it was declined. Ran again and agan declined. Tried withdrawing from ATM and was declined. Checked my balance on app and seen that I only had XXXX cents left. Upon further checks, I noticed 2 transfers that I didn't authorize. One was for {$500.00} and the other was for {$330.00}. It should also be noted that a third transfer was present for {$330.00} but was canceled. {$500.00} was transfered to somebody by the name of XXXX XXXX. That same person also had the cancelled {$330.00} transfer going to her/him. The {$330.00} transfer that went through was to a XXXX XXXX. I do not know either of these people. I tried telling this to American Express but in their initial investigation they found no errors. They don't call employer as the first transfer happened at XXXX. Which I didn't know till after work. I've been waiting close to a week arguing with these people only to keep getting the run around. No numbers for investigation department, same for email. Absolutely no contact or support. Now, I still don't have my money back, an answer to second investigation. This company has a history of things like this happening and denying legitimate claims. Something needs to be done. All I want is what's rightfully mine. {$830.00} is a lot of money in my family. I have emails as proof and employer may be called for verification that I was in fact at work. I also should note that my card was in my wallet in my back pocket all day. No one had access to it.
Product: Credit reporting or other personal consumer reports

In XXXX & XX/XX/2019, Fedloan reported that I was late on payments during a period where I was under either forbearance or deferment. On my credit report, for the month of XX/XX/2019 it states I was 90 days late ; the following month ( XXXX ) says that I was 120 days late. However, the 3 months leading up to XXXX & XX/XX/2019 have green check marks which means I was not delinquent on my Fedloans during those months and therefore, could have never been 90 days late in XX/XX/2019 or XX/XX/2019. This inaccurate reporting has negatively impacted my credit for the last few years and I need to have it reversed as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX Balance - XXXX XXXXXXXX .... Balance - XXXX XXXX XXXXXXXX XXXX XXXX. Balance - {$970.00} XXXX XXXX XXXX Balance XXXX XXXX XXXX .... Balance - XXXX XXXX XXXX XXXX .... Balance XXXX {$970.00} XXXX XXXX XXXX Balance - XXXX XXXXXXXX ... XXXX Balance - XXXX XXXX XXXX XXXXXXXX .... Balance - {$970.00} XXXX
Product: Mortgage

Filled out all modification application and supplied all required Info. For 6 mo we went back and forth having to sometimes send multiple copies of various items. 
Was denied for lack of income. The company did not use all my incomes that I just spend 6 months showing records for, 1st- not one person during the entire 6 mo told me they wouldnt use all incomes I provided to them and if they with have used all my incomes I most likely would qualify for the modification. 
I feel if they would have told me that they wouldnt include one if my incomes I would have gotten another job or whatever it took meet this requirement to stay in my home Ive owned for 20 years now.

2nd- not one person during the entire 6 months mentioned to me that I may not have enough income to qualify?! I would have had 6 entire months to increase my income so I would for sure qualify for the modification because I really do not want to lose my home and have been compliant. 
i feel it is as if they really do not want to help me keep my home at all and are doing whatever they can get away with to take my home from me. 
XXXX today XX/XX/year> I received a call from someone wondering why Ive fallen so behind? And if I wanted to know my reinstatement amount to pay? I am once again feeling as though this company does not have it in their interest to help me save my home as this employee said they only had page 4 of my 4 page appeal letter in their system?!! I talked to my relationship XXXX and one other employee there before this person today. Both of the prior employees didnt say they only got page 4 on file! So where is it just disappeared. Basically my appeal letter disappeared! They are supposed to be handling the modification appeal right now! I was told by my relationship XXXX they received the appeal letter and they would open the file again. I had to resend the four pages again today and the appeal time frame is nearing soon. 
Is this just miscommunication or am I being sabotaged. Put in the dump pile?! 
4th- this entire process was so long 6 months just to deny me and because of that it has caused me to be even more delinquent causing the greatest hardship to recover from. I would like to attach the four page appeal I sent to them thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Defense fin & acct svc In accordance with the Fair Credit Reporting act Convergent Account # 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 I requested a MOV method of verification on this account because I wasnt notified about it via email, mail, and phone. I checked my credit and happened to see the account. I challenged XXXX to send me their method of verification such as bill, written signature, etc and also stated if it couldnt be produced then the account should be deleted. I revived a letter in the mail saying that the account was verified and that was it. No supporting documents in which I asked for. This collection is not only violating multiple sections but falsely adding age its not even in the right category this account is suppose to be in collections which it was and they added it to installment accounts which is clearly not an installment. Which further leads to saying that I have a late payment. In the attached photo it says installment accounts are loans that require payment on a monthly basis until the loan is paid off, such as auto or student loans. Click anywhere on an account entry to see more details about that account. As you can see this isnt a loan and shame on equifax for letting this collection agency damage my credit file and verifying it as accurate
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello and today I noticed an account on my Equifax consumer file that is currently under re-investigation. It change to charge off today without answering the earlier requests. As the amounts have been inconsistent and reporting inaccurately. As of today all of my request for evidence of the original creditor, contract, credit insurance disclosure, payment history, interest rate and pay-off disclosure have unfortunately been ignored by XXXX XXXX XXXX XXXX who appears to be be reporting inconsistent information regarding this charge off, The account number on Equifax appears differently than on XXXX. The first date of delinquency reports XX/XX/2021 but the payment history reports XX/XX/2021 as current payment. The comment section appear differently further negativity affecting my creditworthiness during my financial hardship. Thank you for your attention.
Product: Prepaid card

I attempted to use my Hilton Gift Cards at the XXXX  XXXX Hilton property. They state that they can be used worldwide at any location, but after several attempts the property said they were unable to take them, the machine declined them. I did confirm they all have balances.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've sent numerous letters to all 3 credit bureaus over the months and received no response. I demand by law all these items be moved from my credit report my information was compromised in XXXX data breach
Product: Money transfer, virtual currency, or money service

XX/XX/XXXX as XXXX XXXX of a XXXX XXXX I was reach out by text message by a unknown customer who requested service I received a cashier check for the amount of {$1900.00} the amount exceeded my charge for service. 
customer explain via text message why the amount of why was too much when my charges were only {$150.00}, he wanted me to paid a moving company he contracted I deposit the check on my app as always without no concern a day after the money reflected in my balance, up to this moment I had no issues. customer reach out to me and ask to deposit the balance XXXX to mover to this email XXXX with the name of XXXX to a XXXX account. On XX/XX/XXXX I sent the money since the amount reflected in my bank of America XXXX account, two days later I checked my balance and for my surprise bank of America deducted my balance tremendously in  shocked I call them right away to check what was going on, they couldn't explain right away, went to a nearest bank with the original check cashier check, they still couldn't tell me, only thing they were able to say was contact the person who sent you the check of course I did, person was also shocked and say will go to his bank. couple days later I get in the mail the deposit letter from the bank that the check is altered/fictitious. they were openimg an investigation but they weren't helping to get my money back even I provided them with the information XXXX XXXX XXXX address phone number XXXX XXXX XXXX XXXX NJ XXXX PHONE ( XXXX ) XXXX THEY STILL DID NOT DO ANYTHING. On XX/XX/XXXX I get a letter from bank of America stating they were closing the claim. I even made a police report DC # XXXX how can they not be able to help me, I been a loyal customer for over 10 years. and all I got was we cant do nothing cant help you