23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Best buy/Citi bank illegally retaliated by closing my account the day after I submitted my fist ever complaint about them. Leaving me with an incorrect credit balance to be reported next month.Please see attached proof. They are still in the middle of two investigations which will bring my account down from XXXX XXXX to less than XXXX. In efforts to avoid giving me back my money THAT EVEN THE COMPANIES AGREED IS DUE TO ME ( see my last compliant Citi with the CFPb and the documents below ) they instead quickly closed my card during a random " credit check '' that's not even updated and the reason being " I have to many cards '' and " My balance is too high '' though I have 0 negitives when this is my only credit card without a 0 due to the dispute if they would had took the time to ASK and know XXXX is on an internal hold DUE TO FRAUD intil i turn in my ID and social and POA they dont update anythingor let accounts open the dates on that report are OLD. Please see attached balances on my other accounts attached. This us 100 % fear based illegal practices. Either you guys CALL or email me and tell me why my last dispute or information below wasn't enough to close the disputes in my favor AND explain to me even if you are closing my account why the Fraud portion isn't even subtracted AND advise me on how I pay my balance off and have used this card for YEARS now the first time tou need to help me I have a random credit check. I'll get a lawyer if needed that's 0 issue. 

Cards showing balances : XXXXXXXX XXXX XXXX  as oXXXX XXXX XXXX XXXX XXXX as oXXXX XXXX XXXX XXXX XXXX they actually owe me for over payment as of XX/XX/scrub>XXXX XXXX XXXXXXXX ( both XXXX ) XXXX!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am dismayed by the capability of the Credit Reporting Agencies to retain disregarding a consumer 's appeal for the alteration of the disputed account on my Credit Report. Under the FCRA section 609 and 611, the Credit Bureaus are obliged to confirm the information and status of the account being reported on my Credit Report. But in my case, Transunion has kept reporting the disputed account saying that the information they gave is precise, in which I seriously disagree. I am submitting this complaint to you today to request that Transunion run me copies of documents bearing my signature to prove the status of the disputed account. If they unsuccessful to comply with the condition and continue the reporting of the disputed account, please realize I will pursue legal action. I need the account corrected XXXX : XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance $ XXXXLate/Closed Late Date XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

My account with the XXXX  XXXX and i was never late! I have had exceptional payment history with this company 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 payment reported in MONTHS REPORTING LATE 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.

This company 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 card or prepaid card

I sent a {$24000.00} that I received from the closing lawyer after my home closing to pay off Barclays, my credit card company based in Delaware. This {$24000.00} check cleared XX/XX/XXXX. XXXX deposited this into someone else 's account ( they wrote an account number on the check that isn't mine ). I spoke with XXXX at Barclays on XX/XX/XXXX and she assured me that seeing as I had all the documentation from the lawyer showing the check clearing that it would be rectified in 30 days at the most. I then received a letter from Barclay the first week of XX/XX/XXXX stating they needed a hard copy of the cleared check and the letter stated this would be rectified in 10 business days. This was nearly a month ago. I spoke to a manager XXXX XX/XX/XXXX and she assured me she was personally escalating this and she would personally see this was resolved by today ( XX/XX/XXXX at the latest ). I received a letter Friday ( XX/XX/XXXX ) stating Barclays is reviewing my account dispute and needs 45 days. I called Barclays today ( XX/XX/XXXX ) and spoke with another manager, XXXX who assured me she was personally escalating this and she would personally see this was resolved. I have been working diligently attempting without success to get MY money. I have spoken with customer service as well as managers. I have provided all the proof they required ( I had to contact the title company and the lawyers office to even be able to access a copy of the cleared check ). This company has made me spend hours and hours of my time without giving me any help to get me my money. My funds are still applied to someone else 's account.. i.e. FRAUD!
Product: Checking or savings account

SUMMARY : Capital One has not provided me with information on a fraudulent account, as required by the Fair Credit Reporting Act, after almost two months and numerous letters and calls. 

In XXXX, I discovered through pulling my XXXX XXXX consumer report that a fraudulent bank account ( either checking or savings ) had been opened using my name and Social Security number at Capital One. The account had already been closed, but was appearing on my banking history report. 

On XX/XX/2023, I sent a letter to Capital One via certified mail requesting information on the account, written confirmation that it was closed, and written assurance that I was not responsible for the account. My FTC identity theft report and my XXXX file disclosure were enclosed in that letter. 

Hearing nothing, I followed up on XX/XX/2023 via telephone. The representative informed me that the documents were received, but were not eligible to be processed because, as she informed me, Capital One does not accept documents by mail. This surprised me. She said that I could re-submit my request via fax only, and must also include copies of two forms of identification. She also cautioned that Capital One reserved the right to deny my request and require a subpoena from a court in order for me to receive these documents. This also surprised me ; I thought that the Fair Credit Reporting Act required companies to provide information to victims of fraud. Nonetheless, I submitted the requested information via fax later that same day, XX/XX/XXXX. 

Still hearing nothing, I followed up again on XX/XX/XXXX via phone and asked about the status of my request. The customer service agent was unable to provide me with the status, and said that my request would be re-submitted and that I would receive a letter in 10 business days. 

I have still not received the letter, and this is now far past the 30 day window for the company to complete an investigation, and I have not received the requested documents.
Product: Credit reporting or other personal consumer reports

I recently received my credit report and noticed an account that was not reporting accurately. I had one late payment on an account that was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments Ive attached a copy of my report to this complaint the following date XX/XX/year> Im now requesting you investigate this account and update this late payment to be paid on time immediately. Thank you for assistance!
Product: Debt collection

There is a fraudulent account on my credit report that has become egregious and is not mine. I do not know who used my name or how this came to be a debit of mine. It is a auto lease debt from TRANSWORLD/NAT XXXX I cant say this more emphatically, I have never had a TRANSWORLD/NAT XXXXaccount in my life and could you please remove this immediately. Also, I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report. As per section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. There is no such document because this isn't my debt so please remove ASAP
Product: Mortgage

On or about XXXX, XXXX, I contacted Freedom Mortgage. I informed them that due to a medical issue I was experiencing, I needed some help on my mortgage payments. They agreed to defer the payments for 90 days. But they did not tell me that at the of 90 days, I would be required to catch up the loan. I thought we were suspending payments for the 90 day period, and I would resume on XX/XX/XXXX with payments being current. 

For a period of five months, I continued to make payments but I was never able to catch the payments up. 

On or about XX/XX/XXXX, I contacted XXXX XXXX XXXX for assistance. They worked with my mortgage company for approval of a loan modification. I paid this company {$5000.00}. 

On XX/XX/XXXX, I was notified that I was not approved for a loan modification due to too much income, but I was approved for a VA modification which would raise my interest rate from 3.25 % to 3.75 %. I was quoted a payment of {$2000.00}. The letter is vague. When you review the letter, it says The P & I Payment is {$2000.00} and the Estimated Escrow is {$560.00}, but it does not give the total payment. Is the payment I am to make {$2000.00} or {$2000.00} plus {$560.00}. The letter does not specify. 

When I asked Freedom Mortgage how they calculated the payment, I was told they did not have to give out that information to me. I needed to either accept the payment of {$2000.00} or reject it. If I rejected it, the mortgage company would foreclose on the house. 

My issue is this. According to my numbers : The balance of the mortgage is {$380000.00}. There are late payments totaling {$22000.00}, interest of {$9300.00}, legal fees of {$570.00} and an escrow shortage of XXXX. The total I am coming up with is {$420000.00}. A 30 year note of {$420000.00} at 3.75 % interest amortizes at {$1900.00} per month, not {$2000.00}. There is a different of roughly {$49.00} between the numbers I am being provided by XXXX XXXX XXXX and the amount the mortgage company wants me to pay. 

Also, other issues are this. They claim I am {$2100.00} behind on our homeowners dues. We are current on our HOA dues. I have attached a letter from our HOA verifying this. They are showing our balance owing is {$100.00}, which is due on XX/XX/XXXX ( HOA dues are {$650.00} per year ). Also, I am a XXXX vet with a property tax exemption on our homestead. They are billing me the full rate and calculating that as part of the escrow. This number is roughly {$6100.00} per year. Our property taxes are less than {$2100.00} per year with the exemption. 

I am more than willing to pay our mortgage, but I also don't want to be taken advantage of. I am willing to pay what the payment comes out to be, but I also need them to be open and up front with me as to how they are calculating the payment amount. As it stands right now, the numbers they are providing to me don't calculate to the payment they are asking for.
Product: Debt collection

I have already successfully disputed the inquiries that were recorded on my credit report that were a result of bad faith and identity theft. I am now writing to invoke my specified remedy for the damages done to my life. The damage done to my credit report and XXXX XXXX due to the inquiries that were on my XXXX XXXX hindered my ability to make critical financial decisions for my business, which is the source of my income. The damages that were done directly impacted my health, worsened my anxiety, have taken away my time & energy to fight for my rights as a natural person, and have affected my family relationships due to the financial hardships. The abusive practices of elaborate mechanisms like Experian who assume a vital role in determining my credit standing have been tearing away at my life. It has made living this life a continuous and constant struggle and nobody should have to go through the stress, anxiety, and worry of not having enough to make it each and every month that goes by. The damages done to me are worth much more than my requested {$30000.00} and I could be adding much more to the invoice I have already sent for all the hardship that I was put through as a result of the abuse and deceit, but I will settle with the {$30000.00}. The civil liability sections under the XXXX XXXX XXXX laws that I have added into the letters I have sent protect me as the consumer and hold Experian liable to providing me with monetary remedy for the misrepresentation, abuse, deceit, and damages done.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to Experian a Third-party reporting agency about fraudulent activity with some unauthorized inquiries that I did not sign for, Every inquiry that is not tied to an account is fraudulent and I did not sign for,. I expressed this to them and asked them to delete these unauthorized inquiries and I haven't heard anything back from them and I know they received my dispute 's because they corrected an issue I was having with some inaccurate Late payments that were being reported incorrectly on my consumer report and both was in the same envelope. 
XXXX XXXX XXXX, I never even heard of them, I never gave written permission to pull or share my private or personal information to any third-party consumer reporting agency, that's identity theft XXXX XXXX XXXXXXXX, I never gave this company written permission to pull or share my private information to any third-party reporting agency thats identity theft XXXX : XX/XX/XXXX, I never heard of this company nor have I given them written permission to pull or share my personal information with any of the third-party consumer agencies thats identity theft EXPERIAN BUSINESS CRED : XX/XX/XXXX, I never gave this company written permission to pull or furnish anything to my consumer report or furnish any personal information to any third-party consumer agencies thats identity theft EXPERIAN BUSINESS CRED : XX/XX/XXXX I never gave this company written permission to pull or furnish any of my personal information which is private and Im do privacy by the law of being a consumer this is identity theft I need these fraudulent unlawful inquiries deleted asap
Product: Student loan

Following up from my previous complaint, I would like a detailed payment history and credit score history on all of my loans beginning at origination. XXXX was opened XX/XX/XXXX, XXXX was opened XX/XX/XXXX, XXXX was opened XX/XX/XXXX and XXXX was opened XX/XX/XXXX. I would like to see how the 2 loans that were opened before the 2 that are currently in default ( 1 was forgiven ) because if I was unable to pay on 2, I was clearly unable to pay on all of them. I would also like to see where my credit score was above XXXX on loan XXXX as that was opened just 3 months after XXXX which was forgiven as part of the settlement. The balance on loans XXXX and XXXX are now almost 3 times what the disbursement amount was, and I am currently on the rate reduction plan where I am making payments but my balance is steadily going up.
Product: Checking or savings account

In XX/XX/year> XXXX received XXXX checks from my income taxes ( XXXX federal and another XXXX state ) which was under me and my wifes name. 

Chase closed all accounts I had with them and put my money on hold, which was a total of XXXX. I have tried for almost 2 years to get my money back, but Chase refuses to release my money, which has caused me to be on debt right now, as I was counting on that money to pay for all my credit cards. 

Chase states that in order for me to get the money reimbursed or released, my wifes phone number needs to be verified. We have tried everything, we have opened XXXX new lines under my wifes name to see if they accept it as verified, they say its not, we have been to XXXX different branch and they say there is nothing they cant do, that we need to resolve everything by phone. I have called more than XXXX times since XX/XX/year> and each call is about an hour on hold. 

I would like to sue Chase for holding my money for so long and no giving me an option to resolve the issue.

I sure Chase has utilized my money to make more money by giving land etc, Im based on some research I did, thee are a lot of people going through the same issue having, which is unfair.
Product: Credit card or prepaid card

American Express on the card number ending XXXX charged an annual interest rate of 29.99 % on a balance of $ XXXX
Product: Credit reporting or other personal consumer reports

I am filing this complaint to CAPITAL ONE. I am requesting that all late payments markings be updated to reflect my accurate payment history. Those payments were made on time. If there is any confusion, I suggest you correct the said account. Accounts payment history is reflected as late payment on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor 's documentation on file to verify that this information is 100 % true, accurate & correct.
Product: Credit reporting, credit repair services, or other personal consumer reports

On  XXXX     2017, I p aid  XXXX  card a settlement. I have a confirmation letter confirming receipt of the settlement dated   XXXX   XXXX  2017   . As of   XXXX   XXXX  2017    the account continues to show unpaid/collections on my Transunion credit report. When I contact  XXXX  card they said there was nothing they can do about it.     I was advised by my attorney that they are required to update every 45 days, and I am being denied credit due to this account appearing as collections, despite  XXXX  card acknowledging by phone on   XXXX   XXXX  2017,  that the account is paid and when I asked them to update the credit bureau they said " There is nothing we can do about it ''.
Product: Mortgage

I just want to bring to your attention an issue I had with XXXX XXXX ( formerly known as NationStar ). During my recent mortgage payment I made an additional payment on top of my monthly mortgage. I am up to date with my payments. Rather than apply my additional payment to my principal, they used it as an additional monthly payment. I find this very troubling because this result in the additional payment being used to pay for interest and it increases the interest I will be paying on the mortgage. 
Before XXXX XXXX, my mortgage had other servicers and this is the first time this is happening. I think this kind of behavior is n't in the interest of their customer. It helps XXXX XXXX make more money while cheating the customer.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. My request for the correction and removable of the erroneous information about my accounts has been diligently neglected by Experian. Despite sending them the last letter, dated XX/XX/2022, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my accounts is still on my reports. Therefore, Experian has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information. Below are the accounts that are still reporting on my account : XXXX XXXX Repossession XXXX XXXXXXXX - Charge-off XXXX XXXXXXXX Charge-off XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Collection XXXX XXXX XXXX****- Charge-off XXXX XXXX  XXXX Charge-off XXXX XXXX XXXX Charge-off
Product: Vehicle loan or lease

Ive been trying to make my since XXXX on the MAS website I CALLED XXXX XXXX a PREPAID CARD WHOM IVE BEEN PAYING THROUGH SINCE IVE HAD THE CAR IN XXXX  NOW ALL OF A SUDDEN XXXX XXXX SAID MAS FINANCIAL BUT A BLOCK TO NOT ACCEPT PREPAID CARD IM ASKING SINCE WHEN BECAUSE MY PAYMENT HISTORY IS XXXX XXXX  SOME IN MY NAME & OTHERS S. IN. MY HUSBANDS NAME, I FEEL LIKE THEY ARE TRYING TO TAKE THE CAR & MAKING ME PAY DOUBLE INSURANCE IVE HAD INSURANCE SINCE IVE HAD THE CAR MAS FINANCIAL REPORTED ME TO DMV, DMV MADE ME SHOW PROOF OF INSURANCE OR THEY WERE GOING TO SUSPEND MY REGISTRATION AND TAGS FOR NO INSURANCE & TILL THIS VERY DAY THEY ARE TRYING TO MAKE ME PAY FOR THIER INSURANCE WHEN I ALREADY GOT INSURANCE ON MY CAR. XXXX I JUST PAID THAT AS WELL TODAY. BUT FOR SOME REASON I CANT MAKE MY CAR PAYMENT. They are stressing me out
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been attempting to dispute an unverified account on all 3 of my Credit reports during this process I have sent 2 dispute  letters as well as debt validation letters each certified to XXXX XXXX and XXXX on dates XXXX XXXX and XX/XX/2020 to Jefferson Capital Systems LLC as well as the original creditor which is XXXXXXXX XXXX. The only response from the XXXX XXXX was an invoice sent on XX/XX/2020. They have been unable to provide me with original contract bearing my signature, account history and other documents I have requested twice. Furthermore after failing to receive proper debt validation from Jefferson Capital Systems LLC it has been brought to my attention this debt has been misrepresented. In the Violation of the Fair Debt Collection Practices Act, also in respect to Section 623 of the Fair Credit Reporting Act furnishers must note delinquency within 90 days, list the same date as delinquency as the original creditor and notify consumers of negative listings within 30 days of reporting. All of these statues have bran violated by Jefferson Capital Systems LLC regarding this account. I have submitted this complaint in attempt to have this debt removed from all 3 credit bureaus.