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

It appears that my credit with you has been compromised. I was going through my credit file & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b ( a ) XXXX  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 and it requires the following documents and statement to remove the disputed accounts on my file : ( 1 ) Appropriate proof of the identity of the consumer ; ( 2 ) A copy of an identity theft report ; ( 3 ) The identification of such information by the consumer ; and ( 4 ) A statement by the consumer that the information is not information relating to any transaction by the consumer.

The dispute item do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) XXXX XXXX XXXX XXXX Date Opened : XX/XX/2015 Balance : {$20000.00}.
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 15 USC 1681. 

Account Name : XXXX XXXX Account XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

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

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

I am writing to formally dispute the reporting of a late payment on my XXXXXXXX XXXX XXXX  account, ending in XXXX which has been inaccurately recorded on my credit report on XX/XX/year>. Upon review of my account statements and payment history, XXXX Credit Card Agreement, and Consumer Law 15 U.S. Code 1666 I have identified an error that needs to be corrected promptly. 

Federal law mandates that late payments can not be reported to the three main credit bureaus until they are at least 30 days past due. My records indicate that the payment in question was not 30 days past the due date. Additionally, I did not incur any late fees or returned payment fees for this billing cycle, further supporting that my payment was within the acceptable timeframe. 

According to the XXXXXXXX XXXX XXXX  Agreement, specifically under Section 4 titled " Penalty Fees, '' a late payment fee is only applicable if the Minimum Payment Due is not received by the Payment Due Date. As per my account, the Minimum Payment Due was satisfied within the required period, negating any grounds for late payment reporting. 

Given these facts, I am requesting that XXXX immediately investigate and correct this erroneous late payment record with the credit bureaus. A timely resolution is crucial, as this incorrect reporting adversely affects my credit score, which is critical during my ongoing process of purchasing a home.

Please confirm receipt of this dispute and provide a written acknowledgment that the error will be corrected. Should you need any additional information or documentation, please contact me at your earliest convenience. I appreciate your prompt attention to this matter.
Product: Credit card or prepaid card

I applied for Capital One Bank Premier Dining card on or around XX/XX/XXXX. It took them several days or at least a week to respond and declined application first time because XXXX  credit bureau had fraud alert but fraud alert did n't contain my phone number. This was was around XX/XX/XXXX when I received an email telling me I was declined. I called Capital One and was assured once I was able to get XXXX to show phone number to contact me that I should be approved for card. I also asked were there going to be more inquiries against my credit. I was once again assured that it would n't be any more inquiries as long as I contact them to reevaluate my credit application. Well, Guess what? Capital one pulled a total of XXXX inquiries against me in past two weeks even though I was assured by Capital one 's manager this would not happen. I was as an result notified a second time my application was declined because XXXX inquiries. Most of my inquiries like 4 of them are from Capital one and two of those inquiries are from the past two weeks! I feel like I was totally deceived and lied too. Why would they keep pulling my credit report when a credit manager told me this would not be done as long as I corrected my XXXX report and contacted them to review my application again within 30 days or by XX/XX/XXXX. I did everything correct only to be told a second time my application was declined again due to XXXX inquiries. I am very angry and will be filing multiple complaints against this company.
Product: Debt collection

I'm not telling my story anymore. I'm over it. ATTN : CPFB, XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please see all past complaints. I have been ready willing and waiting to pay my bill since XXXX. I will never pay any late fees due to their error. I was in the process of making a bulk payment when they deleted my credit card account without communicating to me. Now that I no longer have access to the credit card, it has made things very difficult for me and now my credit is damaged, I have not been able to get other support I was attempting to get. This situation is very wrong. Therefore, I will not be making a bulk payment as previously planned. I will not make any payment until the late fees are removed and the minimum amount due of {$110.00} has been restored. No payments will be made until this happens. 

For emphasis, I want to state again that my bill was always paid on time, until this happened. I have spent the past 5 months trying to make sense of this and have gotten nowhere. Again, XXXX XXXX comes thru my emails as spam, dangerous and suspicious. I will not give my personal information to some crook. 

Can we please restore my $ XXXX payment? Why is this taking so long to do? I am not liable for any late fees. Maybe you shouldn't have cancelled my account without talking to me first. I still don't understand what's happening here. Why is this happening. I always paid my bill on time. Can we stop this please? Aren't you tired yet? Don't you have something else better to do than to harass me and charge excess late fees when I was not able to pay my bill yet I tried so very hard and I have not been given any clear answers. 

XXXX XXXX : Please respond. I need your help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just received a notice from the CFPB today that your company stated that my complaint on your negligence in reference to the false, incorrect, fragmented information your company is knowingly reporting on my credit report. I notified you that my information was also impacted by the XXXX data breach. 

I feel that at this point based on your refusing to respond within the timeframe detailed out by the FCRA in section 611 ( a ) ( b ) ( c ) it is not only time that I report you to the CFPB but to also XXXX  FTC as well as my States Attorney General 's office. 

First you report information on my credit report that is clearly false ; then when I do send in a complaint to your company to notify you of the incorrect, inaccurate, and incomplete information you are reporting on my credit report you totally ignore me and don't respond ; AND then you have the nerve to say that my complaint was not submitted by me in a attempt to get around the rules. 

I demand the accounts in question be deleted immediately or I will file for a litigation due to the XXXX and emotions XXXX you have caused me. This matter has effect my XXXX  and XXXX  wellbeing and I will seek damages if this matter is not swiftly resolved.
Product: Mortgage

Dear During XXXX i request loan modification when interest was low and bank refuse to modification instead give loan deferment option which scam while most bank offered loan modification option on low interest then when interest rise and refuse loan modification because of {$100.00} increase in monthly pmt cause financial difficulties and not willing to work now they sold loan to different mortgage companies now I submit loan modifications they keep asking more more information vs finding resolution on my loan.
Product: Credit card or prepaid card

I filed the Initial Fraud Claim due to Identity Theft on XXXX ( at the same time I filed the claims with my other 2 Capital One credit card accounts ) yet when I called on XXXX to check the status, this claim had mysteriously gone missing. So it was re-filed on XXXX with XXXX, who did so very reluctantly. Not only that, but the claim was not notated re : missing original claim filed on XXXX nor did it include all fraudulent transactions and payments that I had just reported to her again. Within hours, before I could call Capital One again about these missing transactions, the claim had already been denied and closed. I received a notice from Capital One on XXXX, stating a credit was posted to my account ( from a previously reported fraud transaction ), and for me to not use my card anymore as it would be denied. I didnt use my card!! The account is closed according to Capital One! These are credits from the merchants with fraudulent transactions coming in and they are not aware of this??? or they refuse to correlate the two and conduct a proper investigation. As I understand this letter, it is stating it will deny any future transactions whether it is a credit refund or a debit charge. My card is closed and has been since I initially reported the fraud, so it is impossible for me to use the card. It is some of the merchants crediting back for the fraudulent transactions that have occurred. 
Capital One has not conducted a proper investigation for fraud claims per the rules and regulations set forth by the Federal Reserve Board. Capital One refused to correct the claim as numerous fraudulent transactions and payments were omitted which were included in my initial claim. 3 ) Supervisor immediately denied my claim as she made false accusations stating I made these transactions. Furthermore, she notated my claims suggesting " not true fraud '' and then immediately denied all XXXX claims.
Product: Credit reporting, credit repair services, or other personal consumer reports

Truist bank reported a 30 days late payment notice to credit bureau on XX/XX/XXXX reporting that I have a past due payment for {$120.00}. A check for {$120.00} was sent to Truist on XXXX XXXX which was cleared and cashed by Truist on XXXX XXXX, But Truist failed to post the check to my account due date on XXXX XXXX and instead they posted the check on XX/XX/XXXX, XXXX resulting in a late payment. 

In addition, payments record from Truist credit card statement indicates that I have never failed to submit a payment on time. Therefore, I am not sure where is the 30 days late reporting is coming from. 

Upon contacting Truist, They indicaed that there are a posting problem on their end and sometimes it is taking more time, which causing for the payments being misapplied towards different statements and invoices. 

I filed a claim with truist to correct the reporting on XX/XX/2022 and I have yet to hear from them. I filed a dispute with XXXX on XXXX XXXX as well and I submitted all the evidance supporting my case ; however, they still did not remove the late payment reporting on my payment history which is resulting significant financial damage due to my credit scoring dropping more than 50 points which led to me not being able to apply for financing to purchase solar panels system for my property.
Product: Credit card or prepaid card

I have multiple late payments due to financial hardships in XXXX that have yet to have fallen off my credit report. I was a new worker with XXXX  stress due to my personal XXXX  disorders. I had been laid off and had some immense struggle finding new work, as well as family issues. It was truly an awful time. I am really sorry about my lack of communications due to my XXXX  and so greatful that CapitalOne gave me a chance despite such egregious late periods. I would like to request that due to my 6, going on 7 years of never missing a payment with CapitalOne that you guys please remove those late payments. I have turned over a new leaf and would like to ask for a good-will letter to understand why that happened, get back in good graces with you guys, and remove these awful marks from my credit report. 

Additionally, I would like to improve my cards with you guys. I have 2 cards and have for years, but one has a nasty annual fee. I'd love to see about removing that AF, or even a product change. I haven't had much luck with customer support about improving these cards, mostly due to the score hit from the mentioned above.
Product: Credit reporting, credit repair services, or other personal consumer reports

As a Macy 's consumer I decided to use the card to purchase a gift, however since I seldom purchase at the store, I usually pay with the Macy 's card for costumer points and pay off the card at the store at the same time since Macy 's allows that option to customers. I provided the lady with my Macy 's CC and also my Debit card to pay the charge on the Macy 's card. The lady said the transaction was complete on both cards  and the receipts were in the bag. ( This transaction was during the holidays and the lady seemed to be overwhelmed with customers and only charged the transaction in the Macy 's card but it did not pay the Macy 's card right away with my debit card, she also did not put the receipts in the bag as said ). During that time I was also in process of moving and contacted Macy 's with my new address location, however the bill was sent to the old address and never received any statements. Usually I like to check my barely used credit cards every couple of months. When I called and saw there was a charge in my account. I explained the situation and paid the bill right away. I explained that I never received any monthly statement when I requested an address change and also explained what happened at the store. If I noticed she didn't charge my card I would have called and paid the card that same day. I honestly thought since I have always been a loyal customer and always paid my bills on time and explaining this was none of my error as I did have the money to pay the insignificant charge amount, that the late charge would be removed from the credit bureau. Since they did not remove the late payment from my credit report, I found it ridiculous and closed the account due to the lack of negligence for not updating my address and throwing the fault at me on the day of the transaction. I have always been a loyal customer and have never paid late.
Product: Checking or savings account

There is one bank name BB & T returned my deposit of {$650.00} which I received from Social Security disability by Automaticly deposit on this XX/XX/2021. No bank returned there customer deposit to creditor who deposit money in there customer account but this fraud BB & T bank returned my {$650.00} automatically Social Security deposit back in there account and closed my BB & T account. 

This was happened because BB & T refund me there overdraft fees or {$32.00} 3 times back in my account. BB & T bank is really poor bank who can't give back {$32.00} overdraft fees back in there customer account and when they give back this fees in there customer account than they closed there customer account themselves because of this because if BB & T give this fees back in there customer account than BB & T bank goes bankrupt. 

From so many years many banks waives many times {$32.00} fees from my account but never closed my account but this BB & T bank closed my account because of this reason and returned my {$650.00} deposit back to Social Security Administration.
Product: Credit reporting, credit repair services, or other personal consumer reports

I check my credit report and notice some things that does not belong to me. These accounts are stopping me from buying my dream house. The accounts listed below aren't mine. I sent in multiple letters and haven't received any feedback about my complaints. I don't understand what is really happening? Please help me out. 

XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX Account Number : XXXX XXXX/XXXX   Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX   Account XXXX : XXXX XXXX XXXX XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

Per the review of my consumer credit report from your agency for XXXX XXXX- There is an issue with the following accounts : XXXX XXXXXXXX XXXX  account number # XXXX and XXXX XXXX account numbers # XXXX, # XXXX and # XXXX. I have requested multiple times for specific documentation, such as the original application and contract agreement with my wet signature showing that I physically signed and authorized these accounts, as well as other necessary certified forms of documentation to validate the debt, and they failed to provide the requested information concerning this debt as certified proof to validate the " verified as accurate updated status '' of these disputed accounts. As a consumer, it is my right by law to request and be provided with, in a specific window of time, specific documents to ensure that all reporting is indeed 100 % accurate. If all requested documents can not be provided by the reporting agency/creditor for the accuracy of the accounts to be proved, then by law it must be removed. As the affected consumer, I am distressed that you failed to maintain reasonable procedures to assure 100 % validity completeness, accuracy and correctness in the credit reports that you provide to creditors. As the affected consumer, I am distressed that you failed to provide me with the specific documentation I've requested in the time frame allowed by the consumer laws. As the affected consumer, I have suffered damages in the form of invasion of privacy, reputational damage, emotional and physical damage and economic harm. This unverified information is damaging me since it is affecting the interest rates that I am able to get and limits my credit capacity and overall quality of life.
Product: Credit reporting or other personal consumer reports

I am complaining about Experian, XXXX and XXXX the major credit reporting agencies that have reported an account for collection under the original creditor " XXXX XXXX '' with the account # XXXX I am a victim of identity theft and I can assure you this debt is not mine ; In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 this section states a credit issuer can not furnish an account without my written directions under USC 166B a creditor may not treat a payment on a credit under an open-end consumer credit plan as late for any purpose.
Product: Mortgage

My complaint is one many bank of America and their fraudulent practices they give me a loan modification based in my income what I can afford they know my income is limited but they said one year after you make the payment I will be able to refinance their loan modification was only one way to make a contract that is in favor of them by law the contract it has to be that both parties agree on by they changed the way it only benefit them the loan modification only last 3 or4 mouths they forced me through the Cort system to sign their loan modification they have try before but this time after I paid them 3 times the amount they asked for they force I signed they said last complaint I made they know my income is limited my XXXX is the only thing on their way to help me I called costumer service but they do n't know why but refinance or hamp or hardest hit or harmp is not for me I called discrimination last person I talked to he said there 's no discrimination if I do n't apply one of his excuses was they do n't give me the form she said he will send them I m still waiting for them other excuse was that I did bankruptcy another of their lies when I signed my original contact she only sign become she was my wife she has responsibility in this loan that was one of the problems why they dropped the first lawsuit against me and my wife then they realize their mistakes and filed the XXXX lawsuit against me only bank fo American discriminate me For mi XXXX the hire lawyer they got in touch with me and warning me about the complaints discrimination about not getting refinance they try get me out of the house by changing the scrow
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the following account on my credit report, which I believe to be inaccurate and unauthorized.
Product: Credit reporting or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and CORRECTION because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX