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

XXXX  has not removed 30 day late mark. XXXX XXXX. See the attached original request sent XX/XX/XXXX. The 30 day late mark removed from XXXX in XX/XX/XXXX but not from XXXX. XXXX always update to show PAID as Agreed {$0.00} balance but still showing the 30 - 60 day late in XX/XX/XXXX. In XX/XX/XXXX when they placed the 30 day late my score went down 30 points. I have disputed and requested XXXX to update their file over 5 times.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX , GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX Balance : {$13000.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

On XX/XX/2023 applied for credit card with XXXX, but when I got an alert from credit monitoring service I saw there were ( 2 ) hard inquiries with the same date from where I visited the branch and applied. I am not disputing that there shouldn't be an inquiry, but I am disputing the fact that there is ( 2 ) inquiries on the same date for the one credit card. I called XXXX on XX/XX/2023 and spoke with representative and she stated there should have only been one hard inquiry for the branch visit on XX/XX/2023. She told me to dispute with Equifax as they are the credit reporting agency in question. I filled out the online dispute form but there was not a 100 % fit for the instance in question so I decided to dispute it here as well with a better explanation. As soon as the credit card comes in and I activate the XXXX XXXX said she would add an note to my XXXX report but I want the duplicate inquiry removed as it will affect my ability to obtain credit in the future. I am going attach a PDF showing the XXXX inquiries in question.
Product: Credit reporting or other personal consumer reports

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLAINT TO PREVENT FURTHER STALL TACTICS FROM XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX, XXXX, XXXX, This CFPB complaint has been filed to request to pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a credit card opened at XXXX XXXX on XX/XX/year> under the account number appearing on my credit report as XXXX. This Account has resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I do not recognize the aforementioned account or hard inquiries as reported. The aforementioned account, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. The aforementioned account and hard inquires are the result of identity theft and fraud
Product: Credit reporting or other personal consumer reports

My accounts 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 to be removed/updated. 

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 XXXX  days before the payment due date. 

I have requested proof that this information was mailed or delivered XXXX 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!
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate removal of a paid charge-off account from my credit report. As a conscientious consumer who takes pride in maintaining a favorable credit history, I am deeply concerned about the adverse impact this entry is having on my creditworthiness. 

The charge-off account in question, was settled and paid in full. Despite the settlement, the negative notation remains on my credit report, which is unjust and inaccurately represents my financial standing. This oversight is not only unfair but also damaging to my credit score and overall financial well-being.

I kindly urge you to take prompt action to rectify this matter by promptly removing the aforementioned charge-off account from my credit report. I have attached copies of relevant documentation, including proof of payment, for your reference and verification.

I understand that errors may occur in the reporting process ; however, it is imperative that such errors are rectified promptly and accurately to ensure the integrity of credit reporting systems. Failure to address this issue in a timely manner may compel me to escalate this matter to the appropriate regulatory authorities.

I appreciate your attention to this urgent matter and request confirmation of the removal of the charge-off account from my credit report once the necessary action has been taken. I am asking for your assisstance to remove these account in my credit file : XXXX XXXX XXXX XXXX Balance : {$0.00}.
Product: Student loan

I set up an automatic payment schedule with Navient in XXXX they never adjusted my due date resulting in 7 months of late fees with interest that accrued daily. I had requested to listen to the phone call when I set up the payments and they refused, I had managers state I was current and I was not. 

The company steered me towards multiple forbearances and misapplied my payments resulting in hundreds of dollars in late fees from daily late fees. 

the representatives stated automatic payments were different than recurring payments both automatically withdraw from checking accounts, very confusing terms I believe intended to trick consumers. 

I have already paid back over {$34000.00} in federal loans and I am not trying to hide from my responsibility to pay back my loans, they mislead me multiple times costing me over {$2000.00} in unjustified fees. 

I only owe them {$12000.00} and they keep giving me false information resulting in my loan staying the same. I
Product: Credit reporting, credit repair services, or other personal consumer reports

On my report with Equifax my score is XXXX now if I don't have anything in collection, no late payments and the only inquiries are auto from Equifax and XXXX XXXX how could my score be so low. No repose, No bankruptcy, everything I see on my report is current so how is my score so low.
Product: Mortgage

Newrez Mortage XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX As of XX/XX/XXXXXXXX  I have sent NEWREZ Mortgage information in regards to my flood insurance check. 
They have been holding my insurance check since then. I have given what I can. I do not have a contractors proposal and I have bills to pay from this. They can not continue to hold my check. 

They are saying they will hold my check and do inspections when certain work is done, which they will charge me an inspection fee and then if they feel its good will release payment. 
According to them anything under XXXX, the check will be signed an sent back to me. but they kept a XXXX check even with a letter stating NOT to apply to my loan and send back to me. They did NOT do this. They applied it to my mortgage over several months making addition payments with interest even though the payment had already been made for the month! This was complete fraud! Even when I asked for funds back they held some back for themselves and I never got full payment. I have docs to show this. 
This company is very bad and I don't trust them for any thing. I have paid around XXXX for repairs and a furnace to be put in so the rest of my house doesn't freeze. They can not continue to hold my check. My claim is not with them and their insurance company. They bought this and they have no paperwork stating that I need to follow their fraud ways to get my house fixed up. 


This is notice as of XX/XX/XXXXXXXX  that you Newrez LLC need to endorse the check from XXXX XXXX from the flood damage and send it back to me. You can not be trusted with money that is NOT yours. Last time I had a small claim of XXXX, I provided a detailed note to endorses the check and send back to me. My PERSONAL bank told me to be aware that you would apply the check to my loan. I told you in the letter NOT to do this. Come of find out you did! 
I have never been late or delinquent on my mortgage so there is no reason for you to hold the money. 

With you track record I do not trust you. 
Here is evidence of this : Newrez - XXXX XXXX, PA Newrez XXXX XXXX XXXX, PA Established in XXXX. Founded in XXXX, and licensed in XXXX states, the company and its reputation have grown rapi... 




XXXX - Dive into anything XXXX - Dive into anything Newrez Reviews : 3,530 User Ratings Newrez Reviews : 3,530 User Ratings Newrez reviews, contact info, rates & FAQ. Get the full story from fellow consumers ' unbiased Newrez reviews. 




Newrez LLC | Complaints | XXXX XXXX XXXX XXXXXXXX Newrez LLC | Complaints | XXXX XXXX XXXX  XXXX XXXX customer complaints of Newrez LLC, XXXX helps resolve disputes with the services or products a business prov... 



XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX account # XXXX Reference # XXXX, has violated my rights. 

15 U.S.C. 1681 section 602 A states I have the rights to privacy.

15 U.S.C 1681 section 604 A section 2 ; it also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Checking or savings account

I repeteadly use mobile deposit for my payroll checks. The last deposit check as placed on a hold after the check was accepted so the app didnt give me the opportunity to cancel the deposit so I could go to the issuing bank to cash my payroll check. After many calls the bank was unable to give me the specific hold reason, and claimed that in the last three weeks they changed their rules for deposits and thats why even though this is the same transaction I do every three weeks the check was placed on the maximum hold time allowed of 5 days. I went to the issuing bank and they gave me receipt that the issuing bank has already funded the transaction. But still after three business days of the deposit XXXX  % of my deposit has become available. I called the bank again and they said that the full amount will be available at the XXXX business day which is XX/XX/2022. I tried to reason with them that this is the same employer and same transaction Ive been making for about 5-6 months that there is no reason to place a hold ( never specified type of hold even though I asked ) But they still claim change of rules. I requested to be given a copy of the letter, email or notification of this change of rule and they said no such notification was provided to customers.
Product: Checking or savings account

I opened an account with Bank of America. I connected my external bank account to my BofA account through the online banking system they offer. I set up a transfer to have my funds from another bank deposited into my BofA account. I had two transfers initiated because each transfer has a limit of how much can be transferred at once. Two days after the transfers hit my account I tried using my debit card. Declined. Why? I had plenty of money in my account. So I call customer service. They informed me that they closed my accounts due to a " business decision ''. They would not provide me with a valid reason as to why. My account was closed on XX/XX/2022 and we are now at XX/XX/2022 and I STILL do not have my funds. Every time I call Bank of America they give me the same answer. " A Cashier 's check was created but we had to forward your case to another department for further review. '' When asked to speak with that department I am told that I have to wait for them to contact me via email. They can not be contacted via phone call, transfer or email. This is ridiculous and I just want my money so I can go to a bank that will value me as a client.
Product: Mortgage

I have been making additional principal only payments on a mortgage that was sold by Bank XXXX XXXX to Mr. Cooper/Nationstar and it was changed somehow without my signature from a fixed interest rate note to variable interest. Once I discovered they can raise my interest rate every year, i began making additional payments with Notes in the check/payment envelopes that the entire check was to go towards principal of note only. ( I am on auto payment system for the regular payment per month ). The last 3 months they have applied my payment towards Future Interest instead of applying the payment towards principal on the day received and processed. So in a sense, they are not paying down the principal of my note with the entire extra payment as I directed them to do. It is also making the pay-off of the note greater than it should be because of the time that has gone by being applied to future interest instead of principal. I have had to call them every month for the past 3 and ask that they apply payment correctly. They do not. and then i get the statement the following month and see they didn't correct it and that they again misapplied the principal payment ( and the auto payments are not recorded on statement either.
Product: Bank account or service

I have tried several times to remove a checking account and debit card from my Paypal wallet. Every time I try to remove either, I receive these errors : " Sorry, you ca n't remove this bank account because of a pending transaction. Please try again later '' or " Sorry, you ca n't remove this card right now. Please try again after all transactions have been processed. '' There are no pending transactions, and my last transaction was over XXXX weeks ago. 

I have been trying to XXXX out this checking account in order to close it. I added my new checking account to my Paypal wallet, but the automatic payments I have set up through Paypal charged the old account, resulting in my bank charging {$70.00} in overdraft fees. 

According to the Paypal Community Help Forum, this is a common problem and several on this thread have theorized that it is in Paypal 's best interest to make it as difficult as possible to remove your accounts from being associated with Paypal : https : XXXX
Product: Debt collection

On the week of XX/XX/year> this alleged debt appeared on my credit report and I have never received anything in the services, products or mail from them to create a debt or be notified about disputing this alleged debt in the amount of {$900.00} by the company named XXXX XXXX or XXXX XXXX XXXX XXXX. The above mentioned companies are reporting fraudulent inaccurate information on my credit report. I have requested that they provide the agreement to show full ownership of such account and also other documents so I XXXX review to see if this is actually an account that belongs to me and none has been deliveries to me for my inspection and I know they do not exist
Product: Bank account or service

Chase bank re-orders transactions to allow their systems to charge overdraft fees. Additionally, Chase uses unfair business methodologies to charge fees to their customers and make poor situations worse. I was charged over {$2300.00} in fees in XX/XX/XXXX and over {$800.00} in XX/XX/XXXX, Recently, an ACH transaction was initiated to pay XXXX XXXX was returned and a " returned transaction '' fee was applied. About 5 days later, XXXX XXXX re-presented to the transaction for payment and it was paid by the bank ( with a lower balance ) at this time and a second fee was charged to the account. Chase also has charged fees for XXXX as " recurring transactions '' when they are truly point of sale. Many fees have been charged for small transactions of less than {$10.00} and multiple fees assessed. This is not fair to any customer.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX under the account number XXXX, an auto loan account opened at SELF XXXX XXXX on XX/XX/XXXX under the account number XXXX, a personal loan account opened at XXXX  XXXX on XX/XX/XXXX under the account number XXXX, and a collections account opened at XXXX XXXX on XX/XX/XXXX with a balance of {$13000.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX . These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing wrong and harmful information on my XXXX and XXXX XXXX but it dosnt go any where and Im trying to build my credit and they report to renters on my back round and obtaining a car there is harmful things that make them not want to finance me XXXX and have a good day
Product: Credit reporting, credit repair services, or other personal consumer reports

. I am very disturbed and upset the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60 days. I need this account deleted or updated. This is the item I demanding to be deleted immediately :
Product: Credit reporting or other personal consumer reports

XXXX, XXXX and Trans Union is reporting a debt from XXXX XXXX, XXXX. I have already provided proof that the debt is more than XXXX XXXX XXXX, in XXXX of XXXX. Now in XXXX the old information reappears on my credit report causing severe harm.
Product: Checking or savings account

On XX/XX/2023 Ive disputed a charge for {$920.00} from XXXX XXXX. We were sold tickets that the merchant had already sold to another customer. We found this out when we got to the venue and realize another customer had the same tickets on top of it the description of the ticket listing didnt match the seats. So after attempting to reach the merchant failed we opened a dispute with Wells Fargo and explained the issue. Wells Fargo lost the dispute from the merchant but only provided a basic dispute reason and never gave our exact dispute which is the merchant sold us duplicate tickets and never explained the tickets had and obstruction. Wells Fargo disputed it was a cancelled transaction which isnt what we said as our reason for dispute. Wells Fargo didnt accurately represent our dispute reason which resulted in us losing the dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to get the company to delete these erroneous items off of my report as they have yet provided me with PROOF of how these items are being verified.
Product: Credit card

I booked a hotel stay on XX/XX/year> using the Chase travel portal since my card would give me a {$50.00} on the stay plus XXXX Chase ultimate rewards points after enrolling on a targeted promotion on my Chase Sapphire Preferred. We completed our stay on XX/XX/scrub>XXXX XXXX 
On XX/XX/scrub>XXXX XXXX XXXX I called Chase secure recorded line inquiring about product doing a product change and updgrade my card to a Chase Saphire Reserve. Before moving forward with the product change, I asked the representative over the phone if I would still get the {$50.00} credit statement and the XXXX Chase ultimate rewards and she confirmed I should be getting both. 

I have contacted Chase several times over secure portal and lastly oevr the phone and they said that due to the product change, I won't be getting the credit or the points I rightfully earned in XXXX before I had the new card. 

I decided to make a complain with the CFPB since this is clearly a violation and a breach from Chase 's end. I received incorrect information from the bank and I am not receiving the credit and points I rightfully earned after completing the challenge I enrolled for. As a customer of many Chase for many years, I find this experience very disappointing and upsetting.
Product: Checking or savings account

Overdraft fee when the account had money. No explanation was given. A customer service hung up on me. Another one gave no explanation then proceeded to try to transfer me to her supervisor for 20 minutes
Product: Credit card

Capital One suspended my credit card and charged late fees to it for what they claimed was " fraud activity ''. I spoke with the bank and they said that " one of the credit bureaus had alerted them of fraud activity '' ... but would not say which one. 
Capital One opened a new account for me and moved the balance of {$740.00} to that account. But they added late and services fees bringing the balance up to {$800.00} for issues that have NOTHING TO DO WITH ME. There is no fraud on my account and they will not give me anyone to contact or which bureau suggest that fraud existed.