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

This company is reporting inaccurate late payments. Each credit bureaus has different months being reported which is inaccurate and needs to be removed as the FCRA law requires. 

Capital one XXXX is showing that XX/XX/2017 is OK but XXXX is reporting that is was late. However these late payments are an error. 

XXXX XXXX XXXX Is reporting 60 day late payments for 4 consecutive months in 2017 which is inaccurate. How is that possible? Please remove these inaccurate payments. 

XXXX Has yet to provide any signed documents that this account belongs to me. No itemized bill is acceptable, but an actual signature is required by law. 



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

I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? XXXX. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
Product: Mortgage

I bought a house on XX/XX/2020 and Freedom Mortgage was the mortgage company. I put a down payment of less than 20 % down on the mortgage and they added the XXXX Mortgage XXXX ( PMI ), which is standard. After some appreciation and paying the the principal balance, this past XXXX I had an appraisal down and found my balance was over 20 % of the appraised value. I contacted Freedom Mortgage and they kept passing me around to different departments, and with different excuses so they did not have to offer me a solution, including that I had to have the PMI for 2 years ( which I didn't not see in the executed mortgage documents. I finally was told that the department that I needed to contact did not have phones to take calls!!! But they said they would send my information to that department that would get back to me. I later received a form letter saying that unless I made an improvements to the property ( which I didn't ), that I wasn't able to eliminate the PMI fee. I contacted them again 3 times and I received the same letter, until the last time I was told my account was under consideration to have the fee waived, and I would get an answer in the mail. 1-2 weeks later, I received the same form letter. 

This time, I am talking to Freedom Mortgage while typing this complaint and they are telling me there are guidelines required by Fannie Mae and XXXX XXXX saying this PMI can not be removed for 2 years. 

I feel trapped with nowhere to go. I am over XXXX and believe this may be happening to several people. I want them to do an approaisal at my expense and eliminate this " free '' money they receive.
Product: Credit card or prepaid card

I have a credit balance refund. Bank of America said that they mailed the check and it was cashed on XX/XX/2022. However, I did not receive nor cash the check. Someone must steal the check and cash it. Called the bank numerous times to ask them investigate it. All they said the check was cashed and they could not do anything else. Basically, I lost {$500.00} plus and also my identity was stolen. Not sure why someone else can cash the check under my name. And bank of america did not investigate and provide me with the copy of the cashed check to see who cashed my check. I am going to the dead end with Bank of America customer service.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been in the process of closing my lease buyout with XXXX XXXX. I have paid all my lease payments on time, including the final check payment of {$10000.00} for the lease buyout. I received confirmation by phone that the check was received. They called asking for documentation about the lien agreement, and I submitted it to them on the Support Center. It has been weeks and they have not closed my account. It is showing I am {$500.00} past due on my account, which is incorrect because my lease ended on XX/XX/29 and they still show I need to pay. I have called at least XXXX times to have this resolved and my account is still open. As a result, they have put derogatory marks no my XXXX XXXX which has made me lost almost XXXX points! I do not know what to do about this and am pretty upset because it has affected my XXXX XXXX that I have worked so hard to keep above XXXX. They said they would close my account and request the derogatory marks be taken off but it has yet to happen!
Product: Credit reporting, credit repair services, or other personal consumer reports

I've contacted XXXX XXXX several times regarding the late payment that's being reported on my credit report. The reporting of this account is a violation of the following : 15 USC 1681a, The Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; 5 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( XXXX ) In accordance with the written instructions of the consumer to whom it relates. 
15 USC 6802 ( b ).

( b ) Opt out ( 1 ) In generalA financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX IL XXXX ; XXXX XXXX XXXX, KY XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX, MO XXXX ; XXXX XXXX Balanced Owed : {$0.00} ; XXXX XXXX XXXX Balanced Owed : {$0.00} ; XXXX XXXX XXXX XXXXXXXX XXXX Balanced Owed XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX Balanced Owed : {$0.00} ; XXXX XXXX XXXX Balanced Owed : {$0.00} ; XXXX XXXX XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Ive recently checked my credit report and Ive noticed some inaccurate personal information reporting.
Product: Credit card or prepaid card

On the morning of MondayXX/XX/XXXX we were contacted by Capital One regarding potential fraudulent charges that someone was attempting on our account. We confirmed that indeed the charges in XXXX  for 3 airline tickets were fraud and to please decline the charges of {$1200.00} x 2 and {$1400.00} totaling {$3900.00}.

On Tuesday, XX/XX/XXXX we followed up with Capital One, rather than declining the purchase they posted it to our account. We were told that we are not responsible for the charges and they would be removed.

On Wednesday, XX/XX/XXXX we were told that it could take up to 72 hours for the charges to be removed, however, they would still be held against the credit on our account for 30-90 days while they were investigated.

Fast forward, XX/XX/XXXX, the charges are still posted to the account and have not been removed from the account. In fact, I was advised that the charges were not marked as fraudulent and they are still posted to my account as accepted charges.

Finally I was transferred to a person is the fraud department who has advised that they are now marking the transactions as fraudulent and it will take another 72 hours. Until my account is credited back funds for these charges ; however available credit will still reflect these charges. This affects my credit score.

This is the 2nd time airplane tickets were purchased against this account ( different card number ) by persons in another country. Capital One 's treatment of fraudulent charges is unacceptable. I am fortunate in that I do not need to use this credit now, but other persons going through this same process may not be as lucky.

What protocol does Capital One have in place to protect identities of its customers? We had our account compromised a few months ago ( twice ) and our cards replaced ( twice ) and this third time in less than 6 months really raises the question what the heck is going on with them. I feel, that by withholding the credit on my account till they can investigate, even though there is {$0.00} liability ( per them ) is tantamount to holding me hostage ; you know, in case they can not work out the charges with the vendor, they have a place holder so that they can try to squeeze the funds out of me ( what they told me last time ). If there is {$0.00} responsibility, they why are they holding up my credit, showing that I have charges of this amount against my account when I do not.

I hope that you will investigate. I can not be the only person this is happening to.

XXXX XXXX
Product: Checking or savings account

I am filing a complaint against Navy Federal Credit Union reguarding multiple overdraft fees I have incurred. Despite having the funds when transactions were authorized, I was charged fees due to lagged postings of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal Credit union for similar practices, where transactions settled with insufficient balances despite initially having available funds. These practices are unfair and i request an investigation into my account transactions.
Product: Credit reporting or other personal consumer reports

In XXXX of XXXX  I lost my wallet that included my drivers license social security card and other identifying information. Due to this someone madeseveral fraudulent inquiries, and opened up several credit cards fraudulently in my name, I would like for all of these items to be deleted. 

ATTENTIVELY REVIEW my formal writ composed DECLARATION of Not Proven Compliant Misinformation that is all or in part : DEFICIENT of adequate current status in fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable compliant obligatory and regulatory requisite compliant reporting thereby mandating your immediate actions to rectify and remedy and any all infraction- ious behavior ( s ) by retaining or returning to DEMONSTRATED TRUE, CORRECT, COMPLETE, and COMPLIANT METRO 2 data field formatted reporting! To be clear, you are mandated by laws to eliminate every notation and or aspect of any and all derogatory and adversary items from any and all alleged claims still yet unproven to be true, correct, complete, timely, documented as being mine, testimonial to be of my responsibility, with FCRA compliance, and or XXXX XXXX Metro 2 COMPLIANT reporting. FEDERAL laws dictate that any and all derogatory or potentially injurious reporting MUST be all of the aforementioned and can NOT BE ASSUMED without undoubted CERTIFIABLE testimonial of FACTs ensuring the physically verifiability of the CONFIRMED manual validation of any item upon a consumer complaint, such as is this notice here and now.Please RETURN to or retain federally lawful reporting with your unwavering and unconditional annulment of every single one even each any and or all of the allegations accused of me deficient of physical evidence to every and all aspects of said claims, be them true or not. 
I would like to forge forward with a righted disputation challenging what likely is an inaccurate, untrue, incomplete, untimely, not compliant, and or possibly not even of my ownership of responsibility allegation of a derogatory item that I see you currently have on my credit report, possibly causing violating infringements and injury to my credibility. While studying my report I have come across a number of mistakes and inaccuracies that you are reporting.Please review and eradicate any and all of these following unproven true, correct, complete, timely, mine, my responsibility, FCRA compliant, metro 2 compliant, or else wise compliant to every single one even each any and all of the regulations, laws, and standards of reporting of which you are undoubtedly mandated in your obligation to obey : The following allegations each require immediate deletion, do so now and here! 


After Reviewing my credit report I noticed that there were accounts that were fraudulently opened without my permission. I request that all of these accounts be deleted immediately due top them being opened fraudulently : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ), and XXXX.
Product: Payday loan, title loan, personal loan, or advance loan

They keep changing their reason for declining me. At first, it was the low credit score, and now they're saying it's my external debt, which has nothing to do with them.
Product: Debt collection

An identity theft claim was filed due to unauthorized charges on my account. I went back and forth with td bank to correct my account. In XX/XX/2022 the last correspondence I received about my claim stated my provisional credits were finalized and now permanent meaning I was not liable. Now Im receiving communication from an agency on their behalf for $ XXXX that I do not owe. This is illegal and I want this remedied
Product: Credit reporting or other personal consumer reports

My CURRENT and ONLY address is XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX I do NOT have any requisite OTHER CURRENT addresses and I do NOT desire any OTHER ADDRESSES to be retained or reported, if ANY DELETE NOW or produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I sent a letter regarding inaccurate and unknown things in my credit report. To this day over 30 days later I have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and my have gotten into the hands of the wrong person.
Product: Credit card or prepaid card

I was scammed by a company and had to cancel my card and get a new one. That was on XX/XX/20. The way to go company said they mailed it to me on 2 different occasions by regular mail. My address has changed and I told them that plus their customer service people changed it supposedly but it has not changed on their end. I was charged XXXX for 2 replacement cards. I never received either card so I called back and they were to send it express which would mean I would get yesterday. They charged me XXXX to express it. Still no card. My big problem is that I cant talk to anyone about it because I dont have an activated card. The menu options just hang up once it give me the details of when it was mailed to me. There is no way for me to talk to anyone. I am beyond livid. Consumers should be able to talk to someone when it concerns their money regardless. Under no circumstance should a calller be automatically disconnected without the options to speak to someone. If u never get the card then Im XXXX. I paid for all the replacements and no card and no way to discuss it with anyone.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. I sent in my police report detailing the security breach to my personal information and detailing the fraudulent accounts reporting in error on my credit report. The credit bureau did not investigate my claim as fraud and now fraudulent accounts are reporting on my credit profile. I requested specifically that the fraudulent items be blocked pursuant to the Fair Credit Reporting Act Section 605B.
Product: Debt collection

using and relying on false documents. 

The company will not verify the loan after numerous request they rely on the document that is fraudulent. And that what they keep send over and over and they already have been told that this document is false information.
Product: Credit card or prepaid card

XXXX XXXX XXXX opened XX/XX/2022 This account was opened without my knowledge. I've tried reaching out to company and pleading my case they told me to make a police report which i did and also make a identity theft report with the FTC which I did.
Product: Credit reporting or other personal consumer reports

FCRA 605B, in my understanding, necessitates the elimination of any erroneous accounts from my credit report. Could you verify the documents, please? Some of the listed accounts inaccurately report amounts and dates.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX is reporting a collection account on my credit files. They stated this was opened on XXXX XXXX XXXX XXXX XXXX Its an account for XXXX. I have lived in XXXX, my life. I have also have had my phone service with XXXXXXXX XXXX  XXXX for almost XXXX yrs. This account is not mine, but they continue to report it. I have sent copies to XXXX  proving that I have never had service with XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian have failed to delete these accounts when I pointed out the inaccurate information between different bureaus including experian that was reported on my credit report. The information below was inaccurate with the dates listed below. I also sent a copy of my credit report to experian showing the inaccurate information as well. I know according to 15 US Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information these accounts should have been deleted not updated. Experian had investigation over XXXX days ago and sent email saying their investigation was correct and complete. How can their investigation be correct when I pointed out inaccurate dates listed below. Therefore their investigation was not complete and was inaccurate which is rules for deletion from my credit report. 

I asked to have a re-investigation on these accounts below and, you sent an email notification advising all accounts were accurate and the investigation was complete and I know all items of information on my credit report should be XXXX XXXX accurate when reporting on my credit report. I checked my credit report today and noticed that account below is not XXXX XXXX accurate between the different bureaus XXXX account number XXXX is reporting date last active XXXX with XXXX and XXXX with Experian. It also says last reported is XXXX with XXXX and with Experian it is last reported XXXX. It also says date of last payment is XXXX with XXXX and with Experian is say date of last payment is blank with a line. All of these items of information is found to inaccurate are reporting inaccurate and not XXXX XXXX accurate reporting on my credit report. 

XXXX XXXX account number XXXX is reporting date opened XXXX with XXXX and with Experian is reporting date opened XXXX. It is also reporting date last active is XXXX and the last reported is XXXX and the account is charged off as bad debt with profit and loss with XXXX and with Experian it reporting date last active is XXXX. This item of information is found to be inaccurate between the XXXX bureaus and not XXXX XXXX accurate reporting on my credit report. Also this account is showing a balance of XXXX and last reported XXXX and last active date again was XXXX. 

They have violated my Consumer Rights under 15 US Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information 15 US Code 1681s-2 Responsibilities of furnisher of information to consumer reporting agencies. 

I also attached of my credit report that shows the inaccuracties that experian have reporting on my credit report.
Product: Checking or savings account

I paid and they sent money to company out my account without my permission cause the account overdraft XXXX $ and I had the money in my account so bank paid a company without my consent cause my account to overdraft and close on chase behalf not fair to me and cause eary warming service place on my credit so I can open new account
Product: Debt collection

Receiving multiple robot calls every day 7 days a week the company nameSynergetic Communications receiving robot calls harassment 7 days a week all day long synergetic Communications