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

Capital one is reporting that my Auto Loan for a XXXX XXXX XXXX  was late in the months of XXXX, XXXX, and XXXX of 2017. I have disputed this multiple times and this inaccurate information still remains on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus states XXXX XXXX XXXX XXXX, Account Number XXXX, was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal.

They also violated my rights under 15 U.S.C. 1681 Section 604 A Section 2. The law clearly states the credit bears have 5 ] days to notify me from when they receive my disputes.

They also violated my rights under 5 USC 1681 Section 611 ( 6 ) ( a ) ( i ) ( ii ). The law clearly states if items are found inaccurate or can not be verified the consumer reporting hall prompts delete the information from the file of the consumer.
Product: Credit card

On XX/XX/XXXX, I received a letter in the mail stating that I had an account with Discover, which was opened on XX/XX/XXXX XXXX XXXX XXXX and that I owed money on it. The account had an address in Florida. When I received the letter I contacted Discover immediately. They informed me that I was being sued by a company called XXXXXXXX XXXX XXXXXXXX and advised me to reach out to them. When I did, I explained that the account was not mine and that it should be considered as fraud. They Instructed me to provide proof of my residency including my W-2 forms, Bank statements XXXX basically anything that has anything associated with the Fraudulent credit card. prior to that i made a police report, contacted the social security, and contacted the 3 credit bureaus which is XXXXXXXX XXXX XXXX XXXX XXXXXXXX.
Product: Credit card or prepaid card

1.Capitol One denied my credit without explaining why the credit ws denied. My credit report is in good standing.When I tried to get an explanation of why it was denied, I get not get verified in order to verify why my application was denied 2. Additionally, after the application was denied, they claimed the application would not have any impact on my credit report, when in fact it DID and shows up on my credit report with XXXX.
Product: Vehicle loan or lease

I made additional payments for the principal and they took interest out it. XXXX I made my monthly payment, then on XXXX called XXXX to make a large payment XXXX dollars to be applied to principal and they only applied XXXX dollars to the principal. I repeat it the same in XX/XX/2024 and they did the same thing, I called to ask why they are not applying the full amount to my principal. they say that by default it takes the money out and applies it to future months. they are double charging interest fees and charging me.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts were on my credit report as Charge off with balance on my Experian and XXXX credit report:XXXX  XXXX****, XXXX XXXX XXXX XXXX****, XXXX/XXXX XXXX****, XXXX/XXXX   XXXX****, XXXX XXXX XXXX XXXX****, XXXX XXXX****--- I have never been late on these accounts. The date of last activity is incorrect. How can this account be charged off and it still showing a remaining balance! Why do all three credit bureaus have different account balances.? XXXX  have remove this debt why is Experian and XXXX  not complying!!!
Product: Checking or savings account

around or on the date of XX/XX/2023 I called WAYTOGO bank asking them to issue a new card for me because I had funds coming to the card I didn't have my old card, they told me they would issue the card out to me. After waiting around 6 to7 days I attempted to contact the back to see what was going on with the card I wasn't able to get through that due to the system being really hard to navigate so I called back the next day when I had time to, this time I was able to talk to some one it ended up being a lady who notified me that my card had been activated without my notice and was being used so I asked how did my card was activated if I never received it she told me that my card was sent via XXXX and was left at my front door. I told her I never got that package so she sent me to the fraud claims department they started my claim and I was told I would have have to fill out some papers and mail them back in so I did that, I also emailed them. I was notified my claim was denied do to conflicting information.
Product: Debt collection

I never received a PURCHASE MONEY LOAN CASH ADVANCE from Wells Fargo Bank NA or any of its associates, So there is no debt of a mortgage if there is please provide me a copy of my wet ink signature on your purchase money loan cash advance I received. This corporation is in violation of identity theft as they continue to fraudulently operate against my XXXX and XXXX claiming and reporting against my employer in the amount of XXXX.
Product: Debt collection

I received an alert on my credit file that there was a new collection. When I pulled my report there are 2 accounts from some place called RadiusGlobal for a XXXX XXXX. I haven't been to the doctors in years, I never received anything in the mail and I no idea who this even is.
Product: Consumer Loan

I have/had a loan with Hyundai finance and gave them my information for them to take money out of my account and they would send me an email payment received. They never took the money out of the account never contacted me about a problem and just showed up and took the car and would not let me have it back. Said they called me told them I had no record on my call log then they said they do n't have to call and they sent a letter said I never received a letter. They said the email of payment processed meant nothing and it was my fault. Would not work with me and picks and chooses when they want to follow their rules. The problem was not me not able to make a payment the problem was they said payment processed and they never took the money, said bank refused the authorization of the payment but do n't know why. Called the bank and they said they never attempted it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize the following entities to check my credit, again! XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX. Experian says their clients have to remove, their clients say Experian has to remove. Be here done this, not up for the fight!
Product: Checking or savings account

Citi bank sent me a letter that they gon na close my checking n saving account. the rest of my fund will be mail to address on file but i have been waiting for almost a year. 
When i go to the citi bank branch they told me to call in customer service. i called in customer service many time. 
they told me they are processing but it over a year now since they sent me a letter. 
please help
Product: Credit card

This is a second dispute as American Express failed in their due diligence review of this fraudulent charge. My original complaint # XXXX has detail about original charge and failure to deliver. The company in question provided a fraudulent shipping information that package was delivered. American Express provided me the shipping info from XXXX tracking # XXXX ( see attached ). I called XXXX and spoke with their XXXX department where they verified the package was delivered to XXXX XXXX which is several XXXX miles from my address. They also verified the name and address of the delivery was not for me. American Express failed to identify this. Also the package said it was shipped from XXXX on XX/XX/24 and arrived in XXXX XXXX  on XX/XX/24. It is logistically impossible for an international package to be delivered in XXXX days. Lastly the website is defunct and the phone number of the company begins with XXXX. I suspect that American Express has gaps in their XXXX review process and it took me to do the research to verify this is a bogus foreign company that has duped XXXX of the largest financial institutions in the world. If this is happening to me then I am sure this is happening to many more people. 

Company in Question XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

In violation of what I have read in the FCRA, Equifax is stating that my dismissed XXXX XXXX will remain on our credit report for 3 additional year. By contrast, XXXX and XXXX have informed us that this dismissal will be removed from our credit report in XXXX and XX/XX/XXXX, respectively, of this year. 

The attorney we worked with did not have all of the paperwork in order for our XXXX XXXX when he filed it in XXXX. He corrected our paperwork and refiled it correctly in XXXX. We completed our payment plan a year and a half early in XXXX. 

We would like for Equifax to comply with the law and remove this Dismissed XXXX XXXX, not later than XX/XX/XXXX. Until then I will not be able to apply for the level of executive positions for which I am qualified. 

I am attaching copies of the dates for removal from my XXXX and XXXX Credit Reports. Please let me know if you need anything further from me on this matter. 

Sincerely, XXXX XXXX, XXXX.
Product: Credit card or prepaid card

Coinbase debit card. 
Debiting pending transactions Then when payment went through ( another debit ) but have not refunded pending debit. 6 times for total of {$600.00}. 
Dates and locations as follow : XX/XX/22 XXXX XXXX  # XXXX XXXXXXXX XXXX {$100.00} pending XXXX XXXX # XXXX XXXX {$100.00} ( transaction completed ) XX/XX/22 XXXX XXXX # XXXX XXXXXXXX XXXX {$100.00} pending XXXX XXXX # XXXX XXXX {$100.00} ( transaction completed ) XX/XX/22 XXXX XXXX # XXXX XXXXXXXX XXXX {$100.00} pending XXXX XXXX # XXXX XXXX {$100.00} ( transaction completed ) XX/XX/22 XXXX XXXX # XXXX XXXXXXXX XXXX {$100.00} pending XXXX XXXX # XXXX XXXX {$100.00} ( transaction completed ) XX/XX/XXXX XXXX # XXXX XXXX XXXX XXXX - XXXX XXXX - {$100.00} pending XXXX - XXXX XXXX - {$100.00} pending The above transaction were declined but and did not complete but still they debited {$100.00} each for pending. 

When I add up all the deposits to fund card and subtract debits. I am short {$600.00} I have contacted Coinbase several time by phone and email and have been issued a ticket number. I provided above info. I keep getting the run around. I know Coinbase laid off 18 % of their employees and are probably having trouble taking the time to review. 
I've seen other complaints on XXXX and one person got his problem solved thanks to you CFPB. 
I hope you can help. 
Thanks, XXXX XXXX
Product: Mortgage

In response to errors present in my escrow analysis dated XX/XX/XXXX, I submitted a written " notice of error '' dated XX/XX/XXXX. Several written notices were sent disputing errors within the escrow analysis within the next 2 months with no response from Fay Servicing till XX/XX/XXXX, after having requested involvement by CFPB. Since no response had been received recalculating the escrow analysis, I submitted the payment of {$1400.00}, check number XXXX ; on XX/XX/XXXX as the continued monthly payment directly to Fay Servicing customer service with yet another written notice disputing the escrow analysis. After receiving the corrected escrow analysis dated XX/XX/XXXX I submitted an additional check, # XXXX, totaling {$95.00} directly to Fay Servicing customer service as the balance for XXXX XXXX. To date Fay Servicing has not cashed either check. They have charged my account a {$59.00} late fee. I expect this late fee to be reversed. The errors resulting in this dispute were the fault of Fay Servicing. The two checks being held by Fay Servicing are expected to be deposited as the XXXX XXXX payment in full.
Product: Payday loan, title loan, or personal loan

I called LendingClub today to attempt to change my due as to avoid being internally late. The company agreed to change my due date but then proceeded to tell me that I would have to pay two payments for one mother because its their guidelines and if Im late 28 days or more they would report it to my credit report. This is against FCRA guidelines since they cant report until account is 31 days delinquent. Im aware lending club already violated FTC guidelines but I feel as though they are continuing to violate consumers FCRA rights.
Product: Credit reporting or other personal consumer reports

Payment went 30 days passed due in XX/XX/year>. I was not called nor notified in any way shape or form of the delinquency. In fact, I was out on XXXX XXXX XXXX XXXX XXXX  and not only did I have XXXXXXXX XXXX done, but my workplace XXXX XXXX XXXX XXXX. After speaking with my XXXX, I was told my employer was in breach of contract. Because of the XXXX  and XXXX XXXX XXXX XXXX I was unaware that a payment was missed. Once I found out about the missing payment, I did my best to rectify the situation. I have been a customer with Wells Fargo for many years and I have never had any issues or problems. There is a team that is dedicated in reaching out to consumers when payments are late, however, I did not receive any notifications via mail, call, nor text. Wells Fargo verified that there is a team that reaches out to people when payments are late, however, they stated it is not mandatory. As a long time customer, I would have hoped that they would have reached out to me to rectify the situation prior to then reporting the situation. Had they of reached out to me, I could have found a way to rectify the situation even in my current state after the surgeries.
Product: Debt collection

XXXX XXXX account has a balance of XXXX on my credit file, this debt was paid off on XX/XX/2023 through wage garnishment. 

The outcome Im looking for is deletion of the debt collections from my credit
Product: Credit reporting

The dates for a debt from XXXX are being incorrectly reported. 
Account is listed as XXXX XXXX XXXX # XXXXAmount as of XXXX : $ XXXXPlaced for collection ( according to report ) : XXXX never had an agreement with XXXX or XXXX. This debt is being incorrectly reported with the wrong dates.
Product: Credit card or prepaid card

On XX/XX/XXXX I forgot a payment was due on XX/XX/2022 I called and the company waived the XXXX late fee and I made my XXXX payment for XXXX that day, I received an email stating my late fee was approved and waived I called XX/XX/2022 to make my XXXX payment early that was due on XX/XX/XXXX the customer service rep said the computer was down so I called XX/XX/2022 to make my payment of XXXX that was due XX/XX/XXXX and asked why the XXXX late fee wasn't taken off he said I cant find anyone to help with that question call in an hour I called back and was talking to a lady 25 minutes the phone was called was disconnected I called back another representative said I only had to pay XXXX so paid that she took the XXXX off but she didn't now I'm charged another XXXX late fee when my payment for XXXX was paid on time I called the company today to tell them my XXXX late fee for XX/XX/2022 was approved to be waived and then they charge me XXXX late fee for XXXX because I didn't pay the XXXX late fee for XXXX .my payment was not late for XXXX and the customer service rep was rude and would not let me talk to someone with more authority than her .the company is Avant credit card company in Illinois I XXXX on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/2022 and still no one will fix the mistake Avant made and keep charging me late fees I dont want this to mess up my credit reporting.
Product: Checking or savings account

XX/XX/2022 at XXXX I received a text message that a {$2000.00} XXXX money transfer had been made and wanted to know if I had authorized this transfer, reply YES or NO. I checked the number, and it was the same as the Fraud Department of my bank, so I replied NO. A few minutes later I received a call from a man claiming to work for my bank. He asked some authentication questions and kept putting me on hold. I tried to call my bank, but was unable to get through to a person due to longer than average hold times. The man kept calling back. I never gave this man my user name or password. I was suspicious at this point, told him I had an appointment so I would have time to get in touch with someone at my bank. When I got through to my bank, they told me a wire transfer had gone through for the entire amount of my savings account ( over {$10000.00} ). I asked to start a dispute of the wire transfer. I was told an investigator would be in touch with me in 24-48 hours. I mailed a letter to my bank disputing the unauthorized wire transfer. It has been 11 business days. I have made calls to my bank every business day. I still havent spoken with an investigator and the Account Takeover Department has no idea when or even IF I will get my money back.
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  Account # : XXXX # XXXXXXXX XXXX  XXXX # XXXX XXXX XXXXXXXX # XXXX XXXXXXXX XXXX # XXXX XXXX  XXXX XXXX # XXXXXXXX XXXX XXXX # XXXX XXXX # XXXX ( XXXX XXXX, XXXX ) XXXX XXXX XXXX ( XXXX XXXX, XXXX ) XXXXXXXX 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 have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

I responded to a letter in the mail from this debt collection company. They asked that I send a dispute letter within a certain amount of time if I don't believe the debt is mine. I sent the letter and never got any correspondence back. Today, I get a notification that the debt is being reported to my credit reports. 

The debtor has purchased debt that was a result of identity theft and is reporting is as accurate dispute my dispute letter. The did not respond nor notate the account as fraud. The previous account owner also knew of this fraudulent debt and was not suppose to sell or transfer without notifying the new owner that the debt was discharged due to identity theft. 

XXXX XXXX isn't reputable and does not respond to dispute letters. They only send the letter out to say they are FCRA compliant but they do not abide by the full extent of the law.
Product: Credit card

Many times over the past few years I have written on the paper bill sent in with my check that Bank of America must cease including the ENTIRE credit card number on each page of the invoice. No response to any of those. 
Today, XXXX I called and lodged a complaint with Bank of America on this issue. The service rep totally agreed, even saying that B of A is the ONLY bank that does this. He said that he can't make the change to protect my account from Fraud, but that he can file the formal complaint. 

Bank of America is negligent is protecting my and all other accounts that receive a paper invoice, from fraud.
Product: Mortgage

Mutual of Omaha has called me XXXX times today. Probably would have been more if I wouldn't have picked up the phone on the XXXX call. Many of the calls were back to back. Plus 2 different text messages. These calls were prompted by an application I filled out with a referral company for refinancing my mortgage. I should not be harassed by the same company this way. I get they want my business, but hounding me this much in one day is excessive. I feel like this is a violation of some kind of law.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX APT XXXX, XXXX XXXX, FL XXXX XX/XX/XXXX RE : Request for Investigation of Unauthorized Inquiry Dear Sir or Madam, I checked my personal credit report, which I acquired from your organization on XX/XX/XXXX and I noticed unauthorized inquiry have been made. 
I contacted each creditor, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. 
I request that you initiate an investigation into XXXX XXXX - XXXX  Inquiry from XX/XX/XXXX + Miscellaneous Utilities XXXX Inquiry from XX/XX/XXXX + Miscellaneous Reptg. Agencies XXXX XXXX  XXXX   Inquiry from XX/XX/XXXX + Miscellaneous Reptg. Agencies XXXX  Inquiry from XX/XX/XXXX + National Credit Card Cos. 
XXXX XXXX Inquiry from XX/XX/XXXX + Auto Financing XXXX XXXX Inquiry from XX/XX/XXXX + Auto Financing XXXX XXXX Inquiry from XX/XX/XXXX + Auto Financing XXXX  XXXX Inquiry from XX/XX/XXXX + Automobile Dealers, New XXXX XXXX Inquiry from XX/XX/XXXX + Automobile Dealers, New  XXXX XXXX  Inquiry from XX/XX/XXXX + Auto Financing XXXX XXXX Inquiry from XX/XX/XXXX + Auto Financing XXXX  Inquiry from XX/XX/XXXX + Miscellaneous Reptg. Agencies XXXX/XXXX   Inquiry from XX/XX/XXXX + XXXX XXXX, Tire Dealers XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Miscellaneous Reptg. Agencies XXXX Inquiry from XX/XX/XXXX + Miscellaneous Reptg. Agencies XXXX XXXX XXXX  Inquiry from XX/XX/XXXX + All Banks XXXX XXXX Inquiry from XX/XX/XXXX + Auto Financing XXXX XXXX Inquiry from XX/XX/XXXX + Auto Financing XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Credit Unions XXXX XXXX  Inquiry from XX/XX/XXXX + Automobile Dealers, New XXXX XXXX/XXXX  Inquiry from XX/XX/XXXX + Personal Loans Cos. 
Inquiry details XXXX  XXXX Inquiry from XX/XX/XXXX + Misc. 
XXXX XXXX  XXXX Inquiry from XX/XX/XXXX + Finance XXXX   XXXX Inquiry from XX/XX/XXXX + Finance XXXX  XXXX I Inquiry from XX/XX/XXXX + National Credit Cards/Airlines XXXX Inquiry from XX/XX/XXXX + Misc. 
XXXX XXXX Inquiry from XX/XX/XXXX + Automotive XXXX XXXX Inquiry from XX/XX/XXXX + Automotive XXXX XXXX Inquiry from XX/XX/XXXX + Credit Union XXXX Inquiry from XX/XX/XXXX + National Credit Cards/Airlines XXXX Inquiry from XX/XX/XXXX + Finance inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry and send me an updated copy of my credit report at the address listed above. 
If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of the completion of the investigation. 
Thank you for your assistance in this matter, XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX APT XXXX, XXXX   XXXX, FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Inquiries are supposed to be removed in 24 months. We are now in the 25th month and they still have 3 inquiries on my report. This is not the first time this has happened. Experian is not following protocol and removing inquiries in a timely manner affecting credit!