23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I was notified when I called back on XX/XX/2019 that the case was closed and the issue was not resolved within the 10 business days as stated per the communication with the company and the information which was submitted and the cardholders terms and conditions of fraud. I am being held liable for the fraud. which the communication of the American Serve Card is Deceptive with marketing practices and state law in Nevada. After going through my statement this is why Ms. XXXX states the charges were more than the {$910.00} after locating the first date of the charges {$1400.00} correct amount and submitting the correct paper work the first time when asked by the dispute department declaration of fraud form on XX/XX/2019 - XX/XX/2019 with closed card account number XXXX. The company stated to reopen the claim and resend the information, I also asked was the delay or the claim closed because of the new card and was told no and the employee XXXX told me the general statement that the claim was denied and when I asked her to review the account information once more and preview the same claim information with the credits she said she could notice how the claim remained of the claims were denied when the start of the claims were approved without error no addition notes, accept the claim was valid for fraud for {$35.00} from the same merchant out of {$1400.00}. The company purposefully cherry picked the claims to approve even though I sent evidence showing these charges were not mine and I did not authorize the charges {$1300.00} remaining. XX/XX/2019 XXXX. The scam merchant sent me an email asking for a copy of my credit card. I did not send it. 


On XX/XX/2019 I notified American Express Serve customer service that I had received text message alerts totaling {$910.00} was made using the card at a XXXX XXXX XXXX XXXX with out my permission. I was told their was noting they could do, in my card holders agreement it states the card is protected from fraud. I have never made a claim because my card is normally secure. somehow my card was compromised and I was charged via an online portal. I contacted the merchant and no one responds. the merchant information is XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX International phone number : XXXX XXXX I had the card blocked because the rep said I could not close the card to protect the remaining fund and direct deposit on the card. I notified the FTC and local police, the police department said if it did not happen in their jurisdiction there was nothing they could do because I did not have the proper information for the merchant because they are not located in the US. I did contact the FTC to and file a claim which is XXXX. I am also a vidicm of identity theft as well from XXXX and XXXX   data breaches and some other company.
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. 

Account # 's 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, and XXXX have violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I paid {$27.00} for a certified letter to Equifax containing a signed and notarized document regarding the fraudulent/unauthorized information on my credit report. The certified documents were : signed and notarized, notary certificates and a federal trade commission identity theft affidavit. 
On XX/XX/XXXX I received confirmation that my certified packet was received by Equifax. 
On XX/XX/XXXX I paid {$29.00} to my credit monitoring website, XXXX to refresh all three credit reports to review. I noticed that said fraudulent accounts have not been removed by Equifax. 
On XX/XX/XXXX I resent another certified letter to Equifax containing a signed and notarized document regarding the fraudulent/unauthorized information on my credit report. The certified documents were : signed and notarized and a federal trade commission identity theft affidavit. 
On XX/XX/XXXX I requested a Fraud Alert on my credit reports to prevent any further damage by this type of activity. 
On XX/XX/XXXX I received confirmation that my certified packet was received by Equifax. 
On XX/XX/XXXX I paid {$29.00} to my credit monitoring website, XXXX to refresh all three credit reports to review. I noticed that said fraudulent accounts have not been removed by Equifax. 
On XX/XX/XXXX I resent another certified letter to Equifax containing a signed and notarized document regarding the fraudulent/unauthorized information on my credit report. The certified documents were : signed and notarized and a federal trade commission identity theft affidavit. 
On XX/XX/XXXX I received confirmation that my certified packet was received by Equifax. 
On XX/XX/XXXX I paid ANOTHER {$29.00} to my credit monitoring website, XXXX to refresh all three credit reports to review. I noticed that said fraudulent accounts have not been removed by Equifax. 
According to The Fair Credit Reporting Act, Section 611, the respective credit bureau has 30 days to investigate and remove the fraudulent account and not put it back on the consumers credit report. 
It has not been over 90 days since I sent the original certified letters to Equifax and the accounts have not been removed.
Product: Credit reporting or other personal consumer reports

I am filing this complaint to address Experian 's failure to properly investigate and resolve fraudulent items on my consumer report in accordance with the Fair Credit Reporting Act ( FCRA ). 

Despite submitting all necessary documentation, including an FTC Identity Theft Affidavit # [ XXXX and # XXXX ], and filing prior CFPB complaints ( # XXXX ) on XXXX XXXX, Experian reinstated fraudulent accounts without providing a valid reason.

Experian has also failed to process my disput
es under FCRA 605B and has not disclosed their method of investigation as required by FCRA 611 ( 15 U.S.C. 16811 ). Supervisors have stated that their " policy '' prevents the removal of these fraudulent items, which directly contradicts the law. These accounts, including collections, late payments, and charge-offs, are the result of identity theft and fraud, as evidenced by my submitted FTC Criminal Complaint.

I demand the immediate removal of these items within four days of receipt of this complaint to ensure compliance with federal regulations.
Product: Debt collection

XXXX XXXX XXXX XXXX ( XXXX ) purchased a debt obligation, by doing so paid off the obligation of debt for Your Change Your Choice Const. XXXX ( XXXX XXXX ) account no. XXXX XXXX XXXX XXXX The original creditor The Home Depot XXXX Card ( CITIBANK , N.A . ) not only permitted the purchase but also charged off the debt through the IRS. XXXX Through deceptive and misleading attempts to establish a contract with me again through deceptive and misleading actions. All attempts were responded to with a Register Mailing ( XXXX XXXX  XXXX XXXX XXXX ) Refuse for Cause No Consent No Contract Cease and Desist, a Private Registered Formal Notice of Claim Mailing Record, request for wet ink signature of contract, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

XXXX   XXXX     XXXX   XXXX   XXXX  .
  XXXX   XXXX  , LA  XXXX  I became late with my mortgage due to illness and job loss and was approved for a short sale. I listed the property and an offer was submitted by my Realtor.   XXXX   made a cash offer on the property for more than the bpo. We encounter a problem due to communication : since the offer was from a corporation we were notified that the mortgage company needed articles of incorporations. That information was provided and a later email was sent and it was not sent to my Realtor requesting that they needed authorization from   XXXX   that the person signing the purchase agreement be confirmed that they were authorized by  XXXX  to purchase real estate on there behalf. The authorized person was out of the office due to illness and we had a delay in getting that document. It has been provided and sent to SLS and now everything is in place to move forward with the short sale. I am being told that since it 's 1 day late they are cancelling my short sale. I would like to short sale the property rather than it be foreclosed on. I found my husband dead on the porch of the property and I am now widowed with school age children to care for alone. We the 2016 Great Flood of Louisiana rentals are expensive and my hope is to position myself to purchase a home for myself and children. I have request that the foreclosure be proposed to move forward with the short sale. I do n't think foreclosure benefit anyone ; so I think that I am being treated unfairly. The area is crime ridden which is why my husband was murdered and the fact that we an offer from  XXXX  is a blessing.
Product: Credit reporting

My I 'd was stole one te an some of the stuff on my credit report I never even heard of
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be removed by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not fix these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX, GA XXXX XXXX XXXX XXXX XXXX  XXXX, GA XXXX XXXX XXXX Balance Owed : {$1200.00} XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance Owed : {$170.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance Owed : {$180.00} XXXX XX/XX/XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$170.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$990.00}.
Product: Debt collection

XXXX XXXX is trying to collect a debt that they bought from XXXX XXXX XXXX. However, it is a debt that is past the statue of limitation for the state of CA pursuant to CA Civ Proc 337. It is over 4 years since last payment. They have not produced proper evidence of the amount owed.
Product: Credit reporting, credit repair services, or other personal consumer reports

These are fraudulent accounts and need to be removed ... .please be advised that I have supplied all the proper documentation ... ..see below : Account Numbers : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX {$490.00} XXXX/DEPT OF ED # XXXX {$17000.00} XXXX XXXX XXXX XXXX # XXXX {$810.00} XXXX XXXX XXXX XXXX XXXX {$420.00} XXXX XXXX XXXX XXXX XXXX # XXXX {$15000.00} XXXX/XXXX  # XXXX {$510.00} XXXX XXXX XXXX ( XXXX XXXX XXXX ) XXXX XXXX {$2400.00} XXXX XXXX XXXX ( XXXX XXXX ) # XXXX {$1800.00} XXXX XXXX XXXX # XXXX {$630.00} Inquiries : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX   XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Georgia [ XXXX ] XXXX  Fraud Victim Assistance Department XXXX XXXX XXXX XXXX XXXX, PA XXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
PLEASE BLOCK AND REMOVE ONLY THE FRAUDULENT ACCOUNTS LISTED BELOW WITHIN 4 BUSINESS DAYS PER 605B OF THE FAIR CREDIT REPORTING ACT : Account Numbers : XXXX XXXX XXXX  XXXX XXXX # XXXX {$490.00} XXXX/DEPT OF ED # XXXX {$17000.00} XXXX  XXXX XXXX XXXX # XXXX {$810.00} XXXX XXXX XXXX  # XXXX {$420.00} XXXX XXXX XXXX  /XXXX  XXXX # XXXX {$15000.00} XXXX/XXXX  # XXXX {$510.00} XXXX XXXX XXXX ( XXXX XXXX XXXX ) # XXXX {$2400.00} XXXX XXXX XXXX ( XXXX XXXX ) # XXXX {$1800.00} XXXX XXXX XXXX XXXX XXXX {$630.00} Inquiries : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX   XXXX XXXX  XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX EQUIFAX XXXX. XXXX  XXXX XXXX, GA XXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s )  that I have made. It is the result of identity theft. 
PLEASE BLOCK AND REMOVE ONLY THE FRAUDULENT ACCOUNTS LISTED BELOW WITHIN 4 BUSINESS DAYS PER 605B OF THE FAIR CREDIT REPORTING ACT : Account Numbers : XXXX XXXX XXXX  XXXX XXXX # XXXX {$490.00} XXXX/DEPT OF ED # XXXX {$17000.00} XXXX  XXXX XXXX XXXX # XXXX {$810.00} XXXX XXXX XXXX  # XXXX {$420.00} XXXX XXXX XXXX  /XXXX XXXX # XXXX {$15000.00} XXXX/XXXX  # XXXX {$510.00} XXXX XXXX XXXX ( XXXX XXXX XXXX ) # XXXX {$2400.00} XXXX XXXX XXXX ( XXXX XXXX ) # XXXX {$1800.00} XXXX XXXX XXXX XXXX XXXX {$630.00} Inquiries : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX   XXXX  XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX-XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Vehicle loan or lease

On XX/XX/XXXX - I contacted USAA because I was interested in obtaining a vehicle loan for a used ( XXXX XXXX XXXX with XXXX miles ). The advertised rate was " as low as 5.39 % '' published online and the representative on phone said the best rates for the day were " as low as 5.5 % ''. He also said they do not utilize soft-credit checks and my rate would be finalized after a hard-credit check. 

I submitted my information and was quickly approved at 6.79 %. I called the representative and was told that he has no information on how the rates are provided. I asked for more information on how to obtain the best interest rate of 5.5 %. He said the underwriters provide the rates and will not interact with the public so I would have no way to get this information. He did say that I had a credit score of XXXX ( excellent ). 

I called back ( multiple times ) to file an official complaint to obtain more information and after being disconnected ( multiple times ), I was able to submit a complaint and request a call back. USAA has not contacted me to date.
Product: Credit reporting or other personal consumer reports

My account with XXXXXXXX XXXX XXXXXXXX was never late! I have had exceptional payment history witH XXXX  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 payment reported 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 XXXX  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 card or prepaid card

I filed a dispute with Navy Federal Credit Union ( NFCU ) at my local branch on XX/XX/XXXX for an unauthorized amount of {$320.00} which appeared on my credit card statement on XX/XX/XXXX ( see attachment ) .. NFCU never replied -- by phone or correspondence for this charge that was placed on my account on XX/XX/XXXX, despite frequent phone calls and inquiries from me to resolve this matter. By FCRA and CFPB, NFCU was supposed to send me a letter stating that they were in receipt of my billing dispute within 30 days, and they were supposed to complete their investigation within two complete billing cycles of receiving the dispute ( which generally means two months ) and can not take more than 90 days -- this did not happen. When I contacted NFCU on XX/XX/XXXX to inquire of the status of this dispute, they " supposedly '' were preparing a letter, but six weeks  later I never received a letter. Also, none of NFCU 's Customer Service Agents can " read '' me a letter or " email '' a letter to my email address because nothing was ever prepared or sent.. The funny is that I have been receiving promotional offers and my regular billing statements from NFCU with no problem, but this letter from their Dispute Department " keeps getting lost '' ( so they say! ). They were supposed to investigate and respond by XX/XX/XXXX, and now it is over 130 days since I submitted my dispute. When I contacted NFCU on XX/XX/XXXX, the CSR " offered to resubmit my dispute '', but I refused since this dispute which was opened on XX/XX/XXXX, is clearly in my favor because of NFCU 's failure to respond AND correspond to my dispute in a timely manner as required by FCRA and CFPB. 

For these reasons and by my consumer rights, I am demanding that this unauthorized and fraudulent charge of {$320.00} be corrected and removed from my credit card statement and to credit my account with {$320.00} and any related finance or other charges, and send a correction notice.
Product: Checking or savings account

I tried to withdrawal Cash from a Capitol One ATM machine at a XXXX # XXXX on XX/XX/year>. The amount of the first withdrawal was {$400.00} at XXXXXXXX XXXX and another right after of the amount of {$400.00} at XXXXXXXX XXXX I received an Error notice on the screen and my card came out. I tried XXXX more time and the same Error notice came on the screen again. Both times no money came out. When I checked my balance, the money was taken out of my account but I did not receive the funds!
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS.

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Closed Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UNAUTHORIZED INQUIRY : XXXX XX/XX/2021 XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

Last year, my wife and I fell behind on our mortgage starting in XXXX. I was not working at the time, I was attending for that semester. I finally started back working full-time in XX/XX/XXXX last year. In XXXX, I attempted to make a payment with cardinal financial and was denied because the company had a claim against me for foreclosure. Mind you, I did make some payments between XXXX and XXXX. But interest kept piling up. I. Any effort to keep from foreclosing, my wife and I used money from our XXXX along with money her mother gave us to pay down the balance, which was XXXX dollars. We payed them XXXX of it and was told we'd receive a loan reinstatement package in the mail after our forbearance was up which was from XXXX this year to XXXX of this year. The company has not updated our payments nor sent this package for us to sign. And sometimes no one answers the phone when we call. Now that the forbearance is up, we can't make any payments because cardinal financial is still reviewing our loan status while waiting for a signed reinstatement package that they have not sent to my address as of yet. Mean while, our delinquent payments are still accumulating.