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

On XX/XX/20 I sent Synchrony bank my unemployment paperwork # XXXX from my employer via email at XXXX to cancel debit. XX/XX/20 this benefits request was closed because my employer said I was let go do to a medical reason. I was then advised to turn in XXXX forms to valid my employment discharge. I don't understand why if I experienced unemployment because of no fault of my own why I had to give this information? On XX/XX/20 I sent XXXX paperwork # XXXX XX/XX/20 it was closed because the doctors office put an invalidity date on the line that said date I was unable to perform normal activities. The date provided was XX/XX/20 and that was the date the I was referred to that doctor this was not the date I was unable to perform normal activities. I was given a medical XXXX  from my employer to see if I could do a position I was being transferred to and those results ended my employment with them that changed my ability to to perform normal activities mainly work! The doctors office sent supporting document for the XXXX on XX/XX/20 and XX/XX/20 when they resubmitted a correction.
Product: Credit reporting, credit repair services, or other personal consumer reports

Asked for Method of verification of two accounts on my credit reports, XXXX, XXXX and Euifax did provide me with the information I asked for. See attached information forwarded to the credit reporting agencies. XXXX, XXXX and Euifax continued to report the account without providing to me how they came to their conclusion that these account belong to me ( XXXX XXXX XXXX for {$1300.00} and XXXX XXXX XXXX for {$7200.00}.
Product: Vehicle loan or lease

I started receiving checks from Wells Fargo a couple of years ago the were addressed to my ex wife and I because of money the courts said they had to pay us back in the class action lawsuit. I called the number and asked them to split which they did. They mailed a check in half the amount to my ex wife and the other half to me. I had to call every time I received a check because it was made out to us both. I then received a check over {$1000.00}. When I called they said because of the dollar amount they couldnt split. I asked what could be done and they said wait a few years and it would go into unclaimed property. I do not deal with my ex wife for reasons I wont go into. Is there a way to get my half of money owed to me?
Product: Credit card

On XX/XX/XXXX at noon a charge for {$4300.00} was made on my XXXX XXXX credit card while on vacation in XXXX XXXX. I called XXXX XXXX after discovering the charge to deny it and was informed by the representative that I should wait until the charge posted before submitting a fraud claim. When I spoke to a manager at Capital One, I was told that since a chip was used for the card I am responsible for it. Also being told I needed to take better care of my card security. I provided evidence on how whoever fraudulently used my card tried to do the same with my other cards but I was still denied a good reason on why the charge will not be disputed or why Capital One 's fraud prevention allowed a foreign transaction of an amount multiple times more than my normal purchase amounts to be approved.
Product: Credit reporting or other personal consumer reports

An employee in your credit dispute department is intentionally REPORTING my account ending in XXXX to the credit bureaus daily. Im getting updates to my credit bureaus that my account is being updated from discover bank everyday with the balance. My account is only supposed to be reported ONCE PER MONTH on the XXXX when my statement close and someone is MONITORING MY ACCOUNT UPDATING IT ON A DAILY BASIS! Which is against FCRA policies and is violating my rights as a consumer. If this employee in your credit dispute department keep deliberately updating my account daily so the balance can report. I will find out who the employee is and have discover bank is SERIOUS LITIGATION! My credit card have a due date and a statement closing date. The statement closing date is on the XXXX of every month and is the ONLY DATE MY ACCOUNT IS SUPPOSE TO BE REPORTED TO THE CREDIT BUREAUS. I will be filing a lawsuit and making sure a lawsuit is filed against the employee that is WATCHING MY ACCOUNT AND REPORTING IT EVERYDAY WHICH IS LUDUCRIOUS! Discover bank have millions of customers accounts to attend to and there should be NOBODY who should be WATCHING MY ACCOUNT AND ( HITTING THE OFF CYCLE REPORT BUTTON ON THEIR COMPUTER EVERY SINGLE DAY ). I haven't requested a off cycle update and the account is being updated to antagonize me. Whomever the employee is need to not only be investigated, but FIRED ASAP for violating companies polices. I have all of the update alerts and proof of the account being updated with the credit bureaus. So I suggest discover bank MAKE SURE THAT EMPLOYEE QUIT PLAYING GAMES WITH MY ACCOUNT ASAP! If I receive one more update from discover card to the 3 credit bureaus a lawsuit will be filed ASAP!
Product: Credit reporting or other personal consumer reports

Hard Inquiries that are on my credit report. I am trying to remove them as I did not authorize the companies to run my credit report with XXXX, TransUnion, and XXXX. I already file an FTC report.
Product: Checking or savings account

I sent a payment via XXXX for services and I received a confirmation number for the transaction stating that the payment was sent. The recipient never received it. When I contacted my bank they told me it was a glitch and to wait up to 45 business days for it to be completed before I can get my money returned to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax ; XXXX  and XXXX  are reporting incorrectly that I am ( 30 ) days late on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on an account that has a {$0.00} balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this however, I have not been successful.
Product: Credit card or prepaid card

Myself and my granddaughter have an account with you there was recently a fraud payment done on my account. My granddaughter recently lost her phone in the beginning of XXXX where she has the app on it about a month later the end of XXXX she gets a email about a payment that was made she called in and the agent told her I would have to call in I did the next day to tell them about the payment that was made on the account and that we did not make the payment. We were advised by the agent that we would have to wait for this payment to be posted on the account before they can even do anything. I called in as soon as my granddaughter let me know that it posted on the account. The agent then proceeded to assist me and advise me that there is nothing for me to worry about that they would help me in taking care of this matter. She helped change our online account information, and she also got a new payment for {$60.00} made using our XXXX XXXX account that we make our actual payments out of. The agent even helped me out in getting all my online information changed over. Here I am today to call about my balance after the {$60.00} payment posted and I was hear that my account has been closed. The representative let me know it was due to returned payments and Capital One has the right to close the account after 1 return payment. One representative told me I had 2 in XXXX which I may have but then an account XXXX told me I have 5 and there was nothing that he can do to open my account. When I asked well if that payment had nothing to do with it being closed why wasn't it closed before this happened. He stated Capital one has the right to close the account at anytime and that a letter will be generated and sent out to me but it was closed 2 days ago with no notification. I would understand the closure if this happened prior to the fraud but it didn't so I feel like Im being held responsible for fraud that was done on my account if I wanted to commit fraud at XXXX years old I think Im smart enough to know not to call in and report it. If the account was going to close due to returned payments why did this not already happen or stop allowing me to make payments from that account but instead the account was closed for the fraud payment and they are trying to say it is all payment history, and we just made a {$60.00} payment that posted this is ridiculous and I feel like I am being held responsible and being punished for fraud being done on my account and for us reporting it. No communication until now being sent out and this account was closed 2 days ago. I didn't know it was closed until I called to check my balance after that {$60.00} payment posted.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on XXXX. 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 XXXX 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 never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

Reporting act XXXX DATE : XX/XX/XXXX, XXXX XXXX : XX/XX/XXXX, XXXX XXXX XXXX Date XXXX XX/XX/XXXX, US SM BUS ADMIN date : XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX & XX/XX/XXXX, also XXXX XXXXXXXX acct # XXXX, XXXX acct # XXXX ALL HAVE 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. 

these accounts and inquires where fraud and not consented by me and should be immediately removed
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX XXXX ... XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ... NATLCRSYS ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX ... that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Product: Credit reporting or other personal consumer reports

FRAUDULENT ACCOUNT : XXXX XXXX XXXX  ACCT # : XXXX OPENED : XX/XX/year> BAL : XXXX I'm filing this complaint under the FCRA due to the willful noncompliance of the credit bureaus & data furnishers improperly investigating my disputes, as required under 15 usc 1681 & 15 usc 1681 A-2 ( B ). Despite my repeated submissions of disputes containing sufficient documentation to demonstrate inaccuracies, the credit bureaus have failed to conduct a reasonable reinvestigation & have continued to report inaccurate information to my credit report. Furthermore, the data furnishers have neglected their legal obligation to investigate the disputed information when notified by the credit bureaus. This failure to uphold their responsibilities under the FCRA constitutes a violation of my consumer rights.
Product: Credit card

I opened a credit card with XXXX XXXX years ago and recently found out they have been charging me a monthly maintenance fee that I never knew about. I never open a credit card with any fees. I would have never opened this card if I knew there was a fee. I never used the card, it was never even activated. I called to find out more. Customer service refused to waive or reverse the fees. I have since closed the account. I fully believe they were malicious when disclosing any fees. They do not list a yearly/annual fee, if they did I would have never opened the card. This is unacceptable and they have charged me hundreds of dollars for absolutely XXXX service provided. Everyone looks for the annual fee for credit cards, so to slip in a small monthly fee instead while stating no annual fee is deceptive.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my Follow-up request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX, PA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX I XXXX Balance : {$1600.00} XXXX XXXX Balance : {$980.00} XXXX XXXX Balance : {$1400.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$3100.00} XXXX  XXXX Balance : {$3000.00} XXXX XXXX I XXXX Balance : {$1600.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$280.00} 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

My home has been in foreclosure for over 6 years. I retained an attorney and submitted multiple requests for modifications and short sales. The ba nk Chase, has stalle d and given me the runaround that whole time. Recently, they sent correspondence directly to me bypassing my attorney. I sent the letter to my attorney who called them and told them that until they get a court order or that the case goes before a judge they are not to enter the property or change the locks. They agreed that they should have gone through my attorney first. Then I got a notice from my insurance broker that a claim was made on the property by someone other than me. He investigated and found out that the bank entered the house illegally and made the claim. Basically, they committed the crime of break in and entry to a property that A- is not theirs and B - they knew full well was being represented by counsel. All of this while obfuscating and refusing to work with me.
Product: Credit reporting or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit card or prepaid card

Applied for a Capital One Savor credit card that offered a reward of {$300.00} as well as rewards for purchases beyond that. I have a current rewards balance of {$320.00} that they refuse to pay out because they restricted my card when I suspected and reported a fraudulent charge from XXXX. I still have not even received a refund for the fraudulent XXXX charge of {$340.00} and they won't even acknowledge the letters I have sent contesting this charge for an airline ticket that was not received. Today when I called Capital One 's fraud department to ask why there is still a restriction on my credit card after I paid off all of my 0 % interest debt, they simply said the case went against me! They won't explain how they concluded this. I assure you there is no fraud on my part. You can check my credit report and see that I have always paid all my bills on time and have always paid them in full. Never been late my entire life. This company, Capital One, however, has a history of ripping me off. Back in XXXX, I opened an online Savor 360 Money Market account with over {$50000.00} in the account to get a reward of hundreds of dollars, but they reneged on that too. I let that one go and put my money elsewhere, but I'm not letting them off the hook for this one. They should not only pay me all that they owe me but be fined once again for cheating customers out of their earned rewards. Capital One Savor is the only company I have ever had trouble with. They are the absolute worst, dishonest company and I will never do business with any Capital One company again once this is resolved.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E.These actions have caused significant inconvenience and financial loss, and I seek appropriate redresst for these violations.
Product: Debt collection

Called XXXX to tell them they were settling my debt for way higher than what the creditor were ask for. For example, a XXXX was asking for XXXX and they settled it for XXXX. I rejected the offer and it said they I did. And on top of that they were going to charge me a XXXX fee. They also did this with my XXXX XXXX debt with creditor offered XXXX and they had a settlement of XXXX. They have been doing this also with an old debt for XXXX and they were settling for the PIF of XXXX when the creditor offered XXXX. Please advice.
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN AND XXXX  ARE BIAS AND SHOWING FAVORITISM TO XXXX XXXX XXXX XXXX. I AM A SERVICE MEMEBER AND ARE DEMANDING THIS BE REMOVED AT ONCE OR BE SUED.
Product: Credit card

I had no knowledge of this credit account being opened using my social security number, I have filed a police report and a identity theft report wit the Federal Trade Commission and sent it to all credit bureaus. 
Despite being a victim of identity theft capital one reports to the credit bureau that this is an authorized account and keeps it on my credit not allowing me a fair credit report. After sending all documents verifying I am a victim of identity theft, capital one has not took action to get the unauthorized account removed from my credit report, or report to the three credit agencys the account was a result of identity theft and unauthorized
Product: Credit reporting or other personal consumer reports

Hello, I am asking for help with resolving the falsely prepared collections on my report by the XXXX XXXX XXXX, which represents XXXX XXXX, which is the previous owner of the apartment I was renting and without any basis or evidence, passed me on collections and I have completed 1 year lease with the new owner XXXX XXXX XXXX with balance {$0.00} and I have it reported and I am attaching it to the evidence. I am requesting this be resolved from my report that was falsely prepared without evidence required by the Illinois Law Collection by the XXXX XXXX XXXX for the amount of XXXX. Thank you.
Product: Mortgage

I want to file a complaint regarding Better loan coordinator : XXXX XXXX XXXX XXXX XXXX. I recently applied for an XXXX property loan with Better mortgage through XXXX, transaction is scheduled to be closed on XX/XX/XXXX. 

During the whole loan application process, I had trouble contacting XXXX, our contact is one-way for most of time, from XXXX to XXXX. 
Even my buyer agent complained that she had trouble contacting XXXX. 
Loan application is full of changes, and lack of response from XXXX makes things worse. 
Even worse, XXXX lied to me and tricked me to buy {$2200.00} points into a loan. Here is the rundown : 1. On XX/XX/XXXX, XXXX shared Closing Disclosure with me through email, I found that he added {$2200.00} points in it and replied in email that I do not want to buy points and asked him to remove the points 2. On XX/XX/XXXX, XXXX texted me to sign Closing Disclosure otherwise, we can not close on time. He promised in the text that I can make changes later on. Here is his origin text message : " If you want to make changes, that is totally fine. Just acknowledge and let me know what you want updated ''. I replied that I want to remove points and signed Closing Disclosure right after. 
3. On XX/XX/XXXX, XXXX emailed me that we can not remove points, otherwise, the loan will be delayed and we will be unable to close on time. Here is his origin email : " The 3 day waiting period has elapsed. 
If you were to remove points to choose a higher rate, you would have to wait another 3 business days to close. Your seller has advised you are unable to sign later. Do you still wish to change your loan terms? 
". 

Since close on time is my top priority, I decided to buy {$2200.00} and move on. But team, is that fair? I feel being blackmailed by XXXX using closing on time as an excuse, he is not helping me at all.
Product: Mortgage

TO WHOM IT MAY CONCERN, MY NAME IS XXXX XXXX. I AM A MORTGAGOR OF A LOAN THAT SELECT PORFOLIO SERVICING IS THE SERVICER FOR THE INVESTOR OF MY LOAN. THE LOAN IS CURRENTLY BEING SERVICED BY SELECT PORTFOLIO SERVICING ( SPS ) PROPERTY ADDRESS IS : XXXX XXXX XXXX XXXX XXXX, GA XXXX. LOAN NO : XXXX. 

I HAVE BEEN ATTEMPTING TO DO A SHORT SALE WITH THE SERVICER SPS. 
SPS IS TELLING ME THE INVESTOR ( XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, Mortgage Pass-Through Certificates, XXXX XXXX ) DOES NOT WANT ME TO DO A SHORT SALE. I SHOULD BE ELIGIBLE TO DO A SHORT SALE. I AM REQUESTING THAT THE INVESTOR CONSIDER DOING A SHORT SALE ON THIS LOAN/PROPERTY. THE PROPERTY IS NOT WORTH WHAT IS OWED ON THE LOAN. WE HAVE AN OFFER FOR $ XXXX WHICH IS WHAT THE PROPERTY IS WORTH ACCORDING TO COMPARABLE SALES AND THE CONDITION OF THE PROPERTY. ATTACHED IS A COPY OF THE CURRENT OFFER ON THE PROPERTY AND A HUD-1 SETTLEMENT STATEMENT SHOWING THE NET AMOUNT TO THE INVESTOR/SERVICER. PLEASE CONSIDER DOING A SHORT SALE.