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

Opened new credit card for my son, XXXX/XXXX/XXXX, Equifax credit score provided at account opening was XXXX. I made NO CHANGES nor requested ANY changes regarding my existing credit card that had my son as authorized user on. Unknown to me and without my consent, the XXXX account representative, converted my historical " paper statement '' from account opening over to " e-bill '' statement resulting in me not receiving any bills. The fact that I did n't get any statements, again not knowing any changes had been made, resulted in the bill being late. Once a delinquency notice was received the money was immediately transferred over that day as ample funds ( large deposit balance ) was in the XXXX Checking account, therefore zero reason not to pay other than XXXX illegally, unfairly, and deceptively changed my periodic billing statement over to e-bill without authorization resulting in my receiving no bills. XXXX did refund the late payments assessed but that was the minor fix, they have ruined my son 's credit score and drastically impacted my nearly perfect credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted TransUnion for the past 6 months about the 2 fraudulent Bk 's and a collection account on my credit. I have reported the fraud to the FTC and provided TransUnion with the FTC case number, filed a police report, had it stamped and I had the police report and my personal statement notarized and the 3 fraudulent accounts/errors remain. 

US BKPT Identification Number XXXX US BKPT Identification Number XXXX XXXX XXXX Account Number XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax, XXXX and XXXX are still falsely reporting accounts on my consumer report which is causing me great pain and anguish, I am taking steps to get better sleep but looking at the inaccuracies keeps me up at night. XXXX XXXX Bank has admitted fault and determined the fraudulent remarks and account were furnished in error. My social security card was used and manipulated with no benefit to me.
Product: Credit reporting or other personal consumer reports

XX/XX/2023 Experian was sent a letter for me by asking for them to verify an item that was reporting on my credit. It has been removed from XXXX and XXXX because the item did not belong to me. I have asked that experian send me the documentation listed on my dispute.
Product: Credit card or prepaid card

Capital One charges late payment fees since month of XX/XX/2021 until XX/XX/2021 when reported on COVID 19 assistance, and reduced income. The {$38.00} fees is posted to the balance in excess fees on the remainder balance which is accounted to {$260.00}. I have currently catch up with payments which takes XXXX business to post limiting credit on available purchase due to hold put upfront, I spoke with supervisor of customer service complaint team, and they said that they don't have way to reverse these late fees on system which acts slow in processing payment electronically between banks. One recommendation I got from Capital One customer service was to go cash out money from the bank, and pay it to nearby Capital One Bank credit card department which sounded inappropriate. This doesn't seem to be service as usual during COVID 19. Capital One is incurring recurring late payment fees when system takes XXXX business days to post payment by putting hold.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 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 an alleged fraud or extortion. 



XXXX XXXX XXXX Balance : {$470.00} ; XXXX  XXXX XXXX Balance : {$1200.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX  XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$340.00} ; XXXX XXXXXXXX XXXX  ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX {$460.00} ; XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$270.00} ; XXXX XXXXXXXX XXXX  ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance XXXX {$340.00} ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX Bankruptcy 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 XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, IL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair reporting act XXXX XXXX XXXX of XXXX XXXX Account XXXX has violated my rights. 

Code 1681 ( 2 ) a, i.has been violated.

15 USC 1681 section 602 states i have the right to privacy.

15 USC 1681section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : a creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax ; XXXX  and XXXX  are reporting incorrectly a collection/chargeoff, as well as that I am ( 120 ) days late on the XXXX partial account numbers XXXX ; XXXX ; XXXX and XXXX. ( Please see pages attached from my credit. ) These student loans have been consolidated. The bureaus initially corrected the balances to report {$0.00} however, they are still reporting the accounts as late and as a collection/chargeoff. This false reporting of a collection/chargeoff is seriously harming my credit score and all of these line items need to be updated and/or removed from my credit report. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus to remove these however, I have not been successful.
Product: Credit card

I have a credit card company continues to calling my family members and being very rude on the phone and calling at all different times if the day and being threating
Product: Credit reporting, credit repair services, or other personal consumer reports

I was contacted by XXXX mail onXX/XX/XXXX stating " There 's still time let 's talk then I also received a phone call from the manager named XXXX onXX/XX/XXXX asking me to come into the office. As I told him I lost everything in the wildfires here in Tennessee in XX/XX/XXXX, then my father ( XXXX XXXX ) passed away in XX/XX/XXXX, and my mother ( XXXX XXXX ) passed away in XX/XX/XXXX( three months 2017 apart with no life insurance ) and told him that I also had to pay my part back to the relatives for their funeral and I still have to get a head stone for both of them, he proceeded to tell me that those things can wait. Now suffering from XXXX I have quite a few doctors appointments but I did get by the office within that following week. One Main Financial is now trying to state that they could not offer my mother life insurance because of her age but in the document we both paid in life insurance on the loan. If they could not give my mother life insurance then that would be discrimination. The loan is also secured with my mothers vehicle and I have noticed on my credit reports they have it listed unsecured and secured when they keep reporting and destroying my credit ( that I am trying to repair ). When I walked into the office here in XXXX, TN XXXX seen me and all she told me was " it left her office this morning ''. They kept a copy of my mothers ( XXXX XXXX ) death certificate and the office it supposedly went to the gentlemen could not pull it up on the internet so I did not have a phone number or address although it has an Indiana address on my credit reports. The address is One Main XXXX XXXX XXXX XXXX, IN XXXX with a phone number XXXX. I 'm XXXX and on a fixed income and this company does not seem to be doing business properly. I have included my mothers death certificate ( which she is the co-applicant insured and had her vehicle as collateral. I also highlighted the area of this contract where we paid insurance on this loan with both of our signatures. The account number on this One Main loan is XXXX. Can you please investigate this loan and this company because they keep on reporting to all three credit bureaus as much as possible it seems only to hurt me and my financial future. If you need anything further than what I provide please let me know. Thank you very much in advance. XXXX XXXX. Also can you please have them stop reporting also until this investigation is resolved?
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone tried to apply for credit with my social security number without my consent.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX acct # XXXX this is identity theft equifax is not responding to my dispute its been more than 30 days.
Product: Mortgage

In XXXX of XXXX, I received a notice that I had paid my mortgage short for the XXXX XXXX statement. I sent in the remainder of the payment amount and upped my mortgage payments to cover the new higher amount. 

Today, while speaking to customer care about an amount due, I found out that my mortgage amount had actually gone up in XX/XX/XXXX ( XXXX XXXX statement ) and no one had told me. Speaking to customer care it became apparent that they were not sending me my e-statements or notices of said statements. They also did not send me my escrow analysis. 

The customer service agent was unable to find the statement I had paid short or explain why they were charging me an additional overage. They would not transfer me to a supervisor to discuss the issue. My statements prior to XX/XX/XXXX were unavailable online. Checking my email history ( including trash and spam ) I was only able to find one notice that they had ever sent regarding an e-statement online. Checking their electronic statement option, it did not have a disclosure that
Product: Credit reporting or other personal consumer reports

XXXX JPMCB CARDXXXX 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  The companys listed above I noticed unauthorized inquiries on my credit report .
Product: Credit reporting or other personal consumer reports

I RECEIVE AND REVIEW MY CREDIT REPORT FROM EXPERIAN AND NOTICE SOME INQUIRIES THAT IS ON MY CREDIT REPORT THAT ARE NOT RELATED TO ANY OF MY CREDIT ACCOUNT ON MY CREDIT REPORT I NEVER GAVE THIS COMPANIES PERMISSION TO RUN MY CREDIT.
Product: Mortgage

Deutsche Bank was commanded by the United States Department of Justice, in 2015, as a result of their guilty plea, and adjudication, to compensate those ( investors ) and consumers, like myself, for the harm that Deutsche Bank caused by their manipulation of the XXXX rate and their secularization of loans misconduct. ( Please see attached documents. ) Also, Deutsche Bank was to appoint and provide access to a third party administrator to provide for such compensation to consumers affected by their criminal actions like myself. I have tried many times to get contact information for the third party administrator, by calling Deutsche Bank 's law department. I was told to contact their media department, or they don't know who I should contact. I am asking for XXXX 's assistance in getting the contact information to the third party administrator for this court ordered compensation due from Deutsche Bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed the complaint to XXXX about Santander sometimes in XX/XX/XXXX. They didnt remove and Santander refused to remove the loan on my credit. I took a vehicle XXXX and I had an accident with it. They auctioned the vehicle and they still putting in My credit fro the vehicle j didnt spend even 2 months on it. I having hard time to apply even jobs and houses due to the high balance that was put in my credit. 

It ruins my credit and I wanted them to remove it please.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit reports from XXXX, Transunion and XXXX are reporting missed payments for my XXXX Credit Card Account which is false. The two missed payments are dated on two separate occasions in XX/XX/2019. These missed payments are false and need to be corrected, as they are impacted my credit worthiness. I have called XXXX and to no avail they are saying they are accurately and can not reverse. I have submitted a dispute with all three credit bureaus and are waiting for replies.
Product: Vehicle loan or lease

Credit began on XXXX XXXX Balance {$9200.00} Monthly Payment {$240.00} XXXX XXXX XXXX APR 24 % used vehicle. Three years later Balance is {$7500.00} and they gave a deferment since XXXX until XXXX XXXX, they told me the will continue charging interest rate but they will put them at the end of the Loan because they gave to me an extension. Since XXXX until XXXX they said my monthly payment is going only to the interest, so right now I have paid {$900.00} just only in interest rate. Also I called them in XXXX because I had an accident I was off work and they gave m e an extension but they put a miss-payment mark in my credit report in XX/XX/XXXX. I continue struggling with my financial situation due covid19 but they said they will no help me with another deferment. In three years I have paid {$910000.00} for an used card and I still owe XXXX and my payments are going only to the interest.
Product: Credit card

About XXXX months or so ago I agreed to an offer American Express was offering for XXXX Membership Rewards ( MR ) for opening a Business Gold Card and spending {$10000.00} within 3 months. I met the spend requirements and received the MR . Per my usual process I moved those MR to XXXX XXXX. 

Move forward about 3 months and I see my MR balance is XXXX. I contact Amex and they tell me to call their MR number. I do and the lady said they are investigating and would send me the reason and resolution steps in 7 days via mail. I never received anything. 

I called again, and was told I didn't meet the spend on the card and no way to reverse. I ask to investigate as I met the requirements and wanted to know what happened. They said ok and will get information in writing in 7 days. This never came. 

I then chatted with the online rep who told me to call again. I said I have tried and they can not do anything. 

So now I am stuck with a XXXX MR balance, no way to resolve the issue. I am not able to open any new Amex cards nor refer anyone. Amex is treating me like I am a criminal and did something wrong, but they can't tell me what or how to fix. 

I have been an Amex member for over 16 years without issue prior, spent a lot of money on their cards. I don't deserve this type of treatment, let alone not even being clear on what I did or didn't do. 

My ask from Amex is to wipe the negative XXXX balance of MR to XXXX, and remove the limitation of new Amex cards.
Product: Checking or savings account

Someone used my debt card made over XXXX in uber eat purchases I sent credit karma my bank the police report snd all the information they needed also the guy waa arrested. Now the problem. Is the refundedmy money then reversal the refund saying case close I never made those transaction the product was sent to a person who's not my name or .y address now my account is negative I didn't make those transactions and I gave the. The name and address who did this fraud on my account a person I don't know I do know he's arrested and I informed the court thsf I got my mone back so I waa good with moving on with my life now that the money reversal it not fair I want my monet bacl inI. .my account
Product: Checking or savings account

We received a delivery of crushed rock for our driveway in XX/XX/XXXX. We received a bill from the company, XXXX XXXX XXXX XXXX, and entered that company and it's address into the 'bill pay ' part of TCF XXXX online banking. The bill totaled {$1200.00} and we entered that amount into to be paid online ; meaning, TCF would issue a check. This transaction cleared our bank on XX/XX/XXXX. We were informed on XX/XX/XXXX that the check never reached the intended. XXXX at XXXX XXXX was very angry and threatening and although I sent him screen shots and copies of our statement, showing the cleared transaction, he claims he did not receive the payment. His bank verified this. When I tried to talk to TCF about this, I received a myriad of responses from TCF from this being an ACH transaction, ( which it could not have been as I did not have that banking information for XXXX XXXX ), XXXX XXXX is lying, there is no check to get a copy of the front and back from, and so on. TCF also told me to go to a branch to get more detailed information. I did this, but there was nothing the teller could do. By this time, we had closed our accounts with TCF due to poor customer service. I truly spent in excess of eight to nine hours on hold with them trying to resolve this. I have been transferred to more departments than I care to mention. I was told that I could not have a stop payment issued as the accounts were closed. When I told TCF that the accounts were closed due to poor customer service, I was hung up on. I want to know what the disposition of this payment is.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several endeavor to tell credit bureaus 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 an alleged fraud or extortion. 
XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX, XXXX XXXX ; XXXX XXXX XXXX XXXX  XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} ; XXXX, XXXX XXXX Balance {$1600.00} XXXX XXXX Date of Inquiry : XXXX ; XXXX Date ofInquiry : XXXX ; XXXX Of XXXX Date of Inquiry : XXXX ; XXXX Bank Date of Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX.
Product: Mortgage

We are working with a company by the name of NewRez. This company purchased our loan from another provider in the past year. We decided to take advantage of the refinancing options that were available to us and they have been delinquent on every step of their responsibilities. We started the refinancing process in XXXX. We provided all of our required documents with 48 hours of them posting our new loan application. During the first 2 months we could not get any response from there company at all, we were then advised that we need to resubmit our previous required documents because they had now expired due to length of processing. We began asking questions on or about XX/XX/XXXX. The first acknowledgement we received back was XX/XX/2021. We were told that we would not need an appraisal completed because they could view similar homes in our area, this changed in late XXXX. We were originally informed not to make our existing mortgage payments because they wanted the new loan complete and to replace the original - this request has been delayed at least three times by NewRez and has penalized us having to pay on the old loan and not being able to take advantage of the lower interst rate and ability to pay more towards our principle. In the last few weeks we have been told that they were experiencing technically difficulties moving our loan through their system. They have asked us again to resubmit our required paperwork due to it expiring again. We were scheduled to finally close on Wednesday, XX/XX/XXXX but received a call from a Notary stating he never received the loan documents from NewRez. NewRez notified us later of that the had " technically difficulties '' again which did not allow them to send the documents. We are now scheduled for Monday, XX/XX/XXXX but have little confidence in them meeting this deadline as well.
Product: Checking or savings account

I was notified by someone at Capital One on XX/XX/year> that my initial wire transfer of {$30000.00} sent to XXXX XXXX XXXX was declined by the receiving bank ( XXXX XXXX  ). I was told that this money is mine, but there havent been any updates by Capital One on what the status is on this matter. Additionally on XX/XX/year>, {$1400.00} was withdrawn from the account and I was told was supposed to be deposited to my XXXX XXXX account, but XXXX XXXX never received any money. Ive been told constantly that its still under investigation, but Im quite simply on the brink of insolvency and I was really counting on my money being returned to me in a timely fashion so that I could try and rebuild my financial future after having lost so much through the housing scam and recovery scam debacle.
Product: Credit reporting, credit repair services, or other personal consumer reports

Every 30 days I have disputing the same inaccurate information from the credit bureaus and they aren't doing anything to remove these inaccuracies. The are reporting the following fraudulent information and it has hurt and damaged my credit scores : XXXX - Dispute Letter Sent XX/XX/2022 Address Is Not mines - XXXX XXXX XXXX XXXX, XXXX, NJ XXXX XXXX  XXXX Charge Off {$3800.00} - I never authorized or signed for this account ( fraud ) I also sent a copy of a police report to them via identity theft XXXX - Dispute Letter Sent XX/XX/2022 XXXX XXXX XXXX - {$420.00} - I never authorized or signed for this account ( fraud ) I also sent a copy of a police report to them via identity theft Experian - Dispute Letter Sent XX/XX/2022 XXXX  XXXX Charge Off {$3800.00} - I never authorized or signed for this account ( fraud ) I also sent a copy of a police report to them via identity theft XXXX XXXX Auto Charge Off - This was included in a bankruptcy and was paid in full
Product: Vehicle loan or lease

My car loan is due for the XXXX payment in the amount of {$380.00} due on XX/XX/XXXX. I made an electronic payment of {$390.00} ( via XXXX web bill pay ) to Kia Finance America on XX/XX/XXXXXXXX  from my XXXX checking account ( my bank shows this payment posted for {$390.00} to XXXX XXXX XXXX on XX/XX/XXXXXXXX  ). Yet, Kia still has not posted this payment and is showing that I am 11 days past due. I have filed a complaint with Kia on XX/XX/XXXXXXXX  under confirmation # XXXX. I also filed a complaint with XXXX. I am very concerned because Kia shows I am due for XX/XX/XXXXXXXX  and XX/XX/XXXXXXXX  payments now. I am very concerned about Kia showing I am past due, having late fees improperly assessed, negative impacts reported against my credit and the proper handling of future payments to this company! Please help me to get my payment posted to my account. I have contacted Kia 4x about this with no resolution yet. I attached proof of my posted payment and what I received from XXXX.