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

My accounts with COMENITYCB/BJSCLUB, XXXX XXXX, AND XXXX XXXX  were 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. 

( CREDITOR NAME ) 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 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 XXXX XXXX XXXX. 

Account Name : XXXXXXXX XXXX  Account XXXX Account Name : XXXX BANK XXXX Account XXXX has violated my rights. Or a list of inquiries : XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) XXXX 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. 

XXXX XXXX. XXXX ( A ) ( XXXX ) 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

to whom it concerns, I am trying to have had inquired removed from my credit report due to XXXX XXXX XXXX XXXXXXXX Delaware after several time of telling them I have a preapproval from my bank in your financial office. they didn't listen to us ( me and my wife ) asked us to sign a paper we noticed after that we had 10 hard inquires on our credit after we spoke to them after that day and try to have them removed, the finance department gentlemen. Again, says in his words that we can't afford a vehicle from them I again said I would want my hard inquires removed FROM OUR CREDIT YOU LEAD US WRONG I JUST WANT this off or credit on or about these dates and company 's Hard inquires 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

Shellpoint Mortgage Services is reporting inaccurate information on my credit report. This account was included in my bankruptcy by they are commenting that foreclosure proceedings have started. That is not correct. How can an account I had included in bankruptcy also be in foreclosure? I even disputed this account directly with them and they failed to mark this account as being disputed which is a violation of the Fair Credit Reporting Act and a no-no when it comes to the FTC.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hard Inquires on both XXXX XXXX and XXXX that are not mine. 

Navy FCU XX/XX/XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX and XX/XX/XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX Navy FCU XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Mortgage

Begin in XXXX to do modification. Had to refile due to divorce. Obtained, XXXX  XXXX XXXX in WY a foreclosure Counselor to mediate, XXXX. They have spent 2 years trying to resolve this issue. I turn in papers, and they want something more. This last time we were told that it was in " committee '' I received a request for my divorce paper and taxes. I have sent this information 3 times, at least. 
You may verify through XXXX XXXX XXXX XXXX
Product: Mortgage

This issue is about Payment/Disbursement for Real Estate Tax Payment from my Escrow Account. This will be the second time Midland Mortgage Company has taken funds out of my escrow account and sent them to a taxing agency. I am XXXX and have a tax exemption and tax deferment for my homestead. I want the real estate payment of {$710.00} that was paid on XX/XX/2020 refunded to me as soon as possible because I do not have to pay real estate to Midland. The company put me in an awkward financial position by requesting additional money last year for my escrow account. I receive minimum income. Midland 's action was unnecessary.
Product: Checking or savings account

I opened the HSBC checking account with the promotional offer ( offer attached ). After fulfill all the requirements, I still don't receive the promotional XXXX dollars bonus. So I reached out to HSBC, they had asked me to wait for another 2-3 weeks, then I reached out to them again, they said they need to have marketing team to research for another 2 weeks. And today I reached out to them again, they told me i am qualified for the offer, because they claimed that I didn't apply through the promotional landing page. 

When I applied the HSBC checking account, I did save copies of the offer, and all the communications I had when inquiry on the offer details. Throughout the whole time since opening this account ( for more than 6 months now ), no one tell me I don't have this offer to my account. 

This is a very deceptive practice, should require CFPB to inquiry their practice and ensuring that they do not do this to trick customers.
Product: Checking or savings account

I would like all of the overdraft fees to be reimbursed
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN AND XXXX ARE REPORTING FRAUDULENT ACCOUNTS AND INQUIRIES ON MY CREDIT REPORT. BELOW ARE THE ACCOUNTS AND INQUIRIES 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: Debt or credit management

On XX/XX/, chime paid a bill for {$130.00} from my credit card to XXXX XXXX XXXX. I no longer had a subscription to them, it had been cancelled on XX/XX/2023. I called XXXX XXXX XXXX  to return the amt. and they stated that they never received it and to call my bank. I went to XXXX to pull up the number for chime.com and the website came up with two numbers, I called the first one listed, and a foreign man answered, ( all of the associates on chime are foreign. ) He asked how he could help, I explained the situation and he said he could return the money back to my credit card, he then instructed me to open an app called anydesk and read to him the code. He then instructed me to open up my chime app. and go to pay and receive money from anyone. He had me hold while he spoke with his supervisor to get the code. He came back and instructed me to type in ; XXXX with the code {$900.00} then hit pay, I told him I wasn't paying anyone, I was asking for my credit card to be refunded. He said, yes, yes, yes, he understood. So in the comment area, I wrote, for a refund of {$130.00}. So he then he told me to submit and close the app and hang on until he gets back to me that it was completed. I waited for 30 minutes and opened the chime app and a message came across telling me that my transfer was successfully completed for {$900.00} to XXXX XXXX. I called the bank and was informed that I was scammed. I needed to file a dispute, I have filed 3 disputes and all of them were rejected and I'm not allowed to file any more, that they claim it was my fault. They were only supposed to be in my credit card, the {$900.00} was taken from my checking account. Now they have blocked my use of the app and hand up on me when I call. I have an active checking account and credit card. Please help get my money back. I did not knowingly authorize this money to be taken from my checking account. It broke me for the rest of XXXX
Product: Credit card or prepaid card

On XX/XX/XXXX, I purchased some shoe boxes from a company online. When I finally received my package, the item that was received was not the item that I ordered. I disputed the charge with Capital One and they temporarily refunded my account. Apparently, the vendor send Capital One notice that the item sent was " foldable shoe boxes '', and that was enough for Capital One to accept their response. The company sent me what was essentially a plastic bag, so Capital One accepted this as " foldable '' and closed my claim and has denied all of my future disputes. The company does not have a phone number listed and my emails have been ignored. 

The charge for the item was on XX/XX/XXXX. Temporary credit was issued XX/XX/XXXX and charged again to me on XX/XX/XXXX. The charge is for XXXX from XXXX XXXX. I've emailed XXXX XXXX XXXX in XX/XX/XXXX and in XX/XX/XXXX with no response. Capital one has denied my disputes from XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

Transunion agent placed an " Annual review '' flag on profile of which causes an " Unable to verify identity '' error on the credit profile deeming it unusable by the consumer. This is a direct violation of the fair credit reporting act and is grounds for suit and/ or criminal punishment. This is what is known as credit slander, defamation of credit profile, and identity theft.
Product: Debt collection

XXXX of 2024 I sent a complaint to the debt collector stating that I may or may not owe said debt but, I do not owe this debt collector. I have asked for the debt collector to furnish a Master Purchase agreement or Forward flow agreement. I have yet to receive anything via email or postal mail. My information should be scrubbed from all reporting agencies until said debt can be properly claimed by this debt collector.
Product: Credit reporting or other personal consumer reports

I have no legal contracts with this company please remove this account
Product: Mortgage

My company is XXXX XXXX XXXX XXXX, I am a licensed real estate broker in the state of Florida. I have been hired by the owner of the home XXXX XXXX XXXX, XXXX, FL XXXX to sell her home in XX/XX/2018. Do to the condition of the home and the market, the offers in conjunction with the closing fees have made it necessary to request the bank to complete a short sale. The company that is handling the short sale is a servicing company called XXXX XXXX XXXX , XXXX. I have been authorized to speak on behalf of the seller to discuss with the bank the process of the short sale. The owner and myself have diligently done everything we can to work with the XXXX XXXX XXXX XXXX. 
The reason for my complaint is I feel that XXXX XXXX XXXX XXXX. is with intention, fraudulently delaying the process of the short sale in order to collect serving fees from its investors. I have literally called XXXX XXXX XXXX XXXX. 30 plus times ( nearly everyday ) and every time I call them they tell me I have to have a new document that is required. Literally every time I call they make up a new document that could have easily been supplied 60 days ago. Even though each time I call them they tell me that after this new document that they now have every document. The very next day I will call and they literally make up a new requirement. We have supplied SPS the same documents literally XXXX and 3 times. I will call one day and they will tell me they have everything and then the next day they have a new requirement that they said was always required but the last XXXX people in 60 days somehow missed. Today I just spend an hour on the phone today with XXXX XXXX the XXXX supervisor I have had to escalate my call to in the past three weeks. Now last week they told me they have everything. Today as I was on the phone ( this has literally has happened 30 times ) XXXX tells me I need two more documents. I am not exaggerating, literally every time I call them they come up with a new document that was not mentioned to me in the past 30 calls. Today it was the listing agreement. The home was listed 90 days ago. All of a sudden they need this document though it has been supplied 2 other times. Then they needed written authorization for me to talk on the account even though I have been authorized to talk on the account the past 30 calls today a new requirement is they need it in writing. 
Literally everyday they create a new document, I am not talking about just critical document but ones they come up with everyday as a new requirement that has nothing substantial to do with the sales process. 
I truly and honestly believe this company is committing fraud. They are purposely delaying the process in order to collect fees from their investors. Please investigate the operations of this company. They are doing this with intent. My conversations are recorded. The calls are documented. The loan number is XXXX.
Product: Debt collection

XXXX asked FFCC XXXX contacted with me for debit collection, XXXX is all conversation with XXXX : I have downloaded all Claim history from XXXX website XXXX stated very clearly what is my responsibility for payment XX/XX/XXXX XXXX my portion is {$3.00}, XX/XX/XXXX my portion is {$380.00} XX/XX/XXXX my portion is {$5.00} Actually I paid whatever they asked me pay on XX/XX/XXXX for {$420.00} by my Master card Please notice On XX/XX/XXXX claim Met life willing not to pay it since no support documentation they requested then Proder push me pay all then I contacted with XXXX millions times alsoseveral times provider, I and XXXX XXXX XXXX person talked together I begged XXXX to pay whatever they think they can pay, after XXXX year Met life paid {$640.00} on XXXXplease notice two things it is my effort to let provider get the money They insisted on not pay since no support documentation provider sent to them, Secondly, As you can see XXXX did not mention my responsibility since no support documentation and also failing XXXX. 
Remember also I have two insurance companies. Not only XXXX got money from XXXX but also they charged my second insurance XXXX as well. 
So I think XXXX should not charge me that kind money at all Total I sent XXXX emails to XXXX she was very very rude I never met such rude person in my life she just repeated same words not listen my voice at all Today XXXX sent a threaten email tome as following sentence : The creditor, XXXX XXXX XXXX XXXX, has signed an Authority to Litigate against your property. Please be advised, if you would like to resolve this issue before it is forwarded to our house Attorney, I can assist you. If this does go to the Attorney you may incur court costs, fees and interest. 
Thus XXXX enforced me to pay {$1000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

[ Your Name ] [ Your Address ] [ City, State, ZIP ] [ Date ] Consumer Financial Protection Bureau XXXX XXXX XXXX IXXXX XXXX, Iowa XXXX Subject : Complaint regarding identity theft and fraudulent auto loan account with XXXX XXXX XXXX ( XXXX ) Dear Sir/Madam, I am writing to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding the identity theft account opened in my name, which has resulted in an unauthorized auto loan account with XXXX XXXX XXXX ( XXXX ). This fraudulent account was reported by XXXX, XXXX, and TransUnion on XX/XX/2022. Despite my numerous attempts to resolve this matter directly with XXXX, they have failed to provide any assistance or support, aggravating my distress and posing potential harm to my financial well-being. 

The evidence I have gathered reveals that XXXX has produced a copy of a contract allegedly associated with the fraudulent transaction. However, this contract is not signed by me and contains fabricated information. The existence of this fraudulent account has caused significant stress and concern, with the potential to severely impact my creditworthiness. Therefore, I urgently request the removal of the auto loan account with XXXX from my credit report due to clear evidence of fraud and identity theft. Additionally, I request the removal of any associated inquiries or negative information stemming from this fraudulent transaction. It is crucial that my name and credit history are cleared of any detrimental effects caused by this fraudulent activity. 

Specifically, I implore XXXX, XXXX, and TransUnion to expunge this account from my credit report, along with any inquiries or negative information linked to this fraudulent transaction. XXXX has repeatedly failed to verify my identity, provide a valid contract of the purchase, furnish identification details used during the contract process, supply duly signed documents, or possess accurate information about me. Furthermore, they have improperly reported debt amounts, stating a balance of approximately {$12000.00}, while the actual amount owed is approximately {$9000.00}. Additionally, I request documentation of the sale, such as a XXXX form issued to the consumer. It is imperative that accurate and up-to-date credit reporting remarks are provided, addressing false addresses and identity theft concerns, and ceasing their active participation in fraudulent activities.
Product: Mortgage

I setup my home loan to be taken out & on XX/XX/2022 they took it out. I had forgot I had set it up. So I paid it again the next day before it was posted into my account. I called them because I went to get XXXX & my card was denied so I looked on my bank & they had took it out a 2nd time. So the lady saw where I had paid twice & gave me the option to refund the payment or put it towards XX/XX/2022 payment. I opted for the refund. They refunded. On XX/XX/XXXX they took it our again. I called & they said the system had a glitch. They refunded it. I paid my XXXX payment & I have called the company on their recorded line prior to paying the XX/XX/2022 payment approximately 15 times & everyone said it showed I had paid so they wasn't sure why. They escalated the issue. Was told a manager would call me once resolved. Never heard from anyone. They call today & it was not a manager but a representative stating I was two months behind. 
I have uploaded my documents ( bank statements ) to their website, been told by numerous employees at their firm that it was paid & now they are still saying I owe $ XXXX dollars. It has been a total nightmare. I am terrified I will loose my house due to this. I have asked numerous times to speak with managers & was denied. I have asked them to go back & listen to all of the recorded calls & was denied. I do not have $ XXXX to pay this especially for something I've already paid.
Product: Mortgage

I would like copies of Insurance premiums and cashed checks from my mortgage company Arvest Bank. As you can see for the year XXXX and XXXX stick out like sour thumb. You have closed case XXXX with out any merit or have given me copies of the Insurance Premium as well as cashed checks this has ROBO SIGN all over it, Also you have falsified and alter XXXX contract. Please see attached as you have removed the SCOPE OF THE WORK as well as the amount ROBO SIGN again. I have copies of originals Contracts from XXXX XXXX with initials in every page as well as a notary stamp with different dates. Also please see attached a copy of a new Authorization form from my new Attorney XXXX XXXX. This is not a duplicate complaint
Product: Credit reporting or other personal consumer reports

There is information on my credit profile that is not mine.
Product: Checking or savings account

On XX/XX/2020 I lost my wallet which resulted in debit and credit card fraud for all my accounts. I promptly reported to each bank and each bank provided provisional credit except for bank of the west. 

I was advised that I would receive a affidavit that I would need to sign. I received this affidavit which I immediately completed and signed. This was received on XX/XX/2020. This was confirmed by a telephone banking rep on XX/XX/2020. 

I was told on XXXX that the fraud department was closed and I would need to call Back. This is unacceptable that I need to chase my own money back as I have followed Bank of the wests requests. 

I am requesting immediate and permanent credit for the transactions. Its under {$100.00}, but its the principle and the frustration of having to keep following up with Bank of The West.
Product: Credit reporting or other personal consumer reports

Hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew. XXXX XXXX  XXXX XXXX help me out by finding a way to check if my XXXX emails were involved in this breach? To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts it would mean a lot to me it you could assist in removing the following from my credit report, these are the accounts :
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent a letter to all XXXX, experian and XXXX about the first premier bank credit card. This account does not belong to me and was opened fraudulently. I sent three letters to have this removed from my report, but they have not responded or removed.
Product: Money transfer, virtual currency, or money service

On XX/XX/2020 at XXXX XXXX I wire transferred XXXX from Goldman Sachs USA. I usually receive Them The Same Day, so when I checked back to find out why it was Delayed they said a jealous employee Reversed it trying to steal XXXX from me