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

Capital One ( Quicksilver Credit Card ) I have three existing Capital One Credit Cards but unfortunately, for just about 2 weeks now, my quicksilver credit card has been giving me tons of headaches.. 

Capital One claimed that they only report once every cycle or month to credit bureaus, infact they did. For my latest statement balance, I only owed {$110.00} which was reported to the credit bureaus reflected as part of my credit report. But just last week, Capital One has started to GIVE INACCURATE information to XXXX and XXXX. They have forwarded my RUNNING balance which has affected my score. I made a dispute directly to the credit bureaus and XXXX has rectified the initial report, but Capital One still gave them an inaccurate information for the second time. My current running balance is at {$480.00} and at anytime, it will change. 

My GREATEST ISSUES : 1. Why Capital One is reporting my running balance even if they have already reported my statement balance.
Product: Debt collection

I recently discovered accounts being reported through my monitoring services that are fraudulent accounts that DO NOT BELONG TO ME and have been reported as identity theft as I have learned that I am a victim of identity theft as this account reporting a debt from XXXX XXXX XXXX ( XXXX XXXX XXXX ) totaling {$370.00} that does not belong to me and is and has been reported and currently being investigated.
Product: Credit reporting or other personal consumer reports

They are violating my right to privacy, by furnishing my transaction history without my consent. And in there response they did not address any of my concerns.
Product: Mortgage

I am attempting to log into my mortgage account online to see my bill. I am unable to access my mortgage online due to technology issues with US Bank. I have called US Bank and they are unable to fix the issue on their end. I have asked them to call me back and they have not. I have already stated to them that I am withholding payment until they fix the issue. I still have not heard back from US Bank.
Product: Mortgage

I am behind on my mortgage which I take responsibility for. I have been trying to work with PHH Mortgage to get a loan modification. First, when I called the " relationship manager '' I was assigned in the papers that they sent to me, she told me she was not my manager and shuffled me off to someone else. I think I have had at least 4-5 relationship managers since starting the modification process. One only had one appointment available to talk and nothing else. They gave me a high modification payment that was based off my income plus child support. My ex husband does not pay his child support regularly and I tried to discuss that with them ( at that time he was three months behind ). I asked several times to talk with a manager and always received and excuse ( they were busy, all in meetings together, would call me back ), and never received a call back from one. I paid my XXXX modification payment in full. XXXX was when Covid hit Nevada. I was {$300.00} short for my XXXX payment due to missing a few days of work due to boss not having work for me and another day or 2 due to my elderly grandmother quarantining and not being able to watch my girls as usual. I wrote them a letter with my payment explaining as well as filling out their form online for Covid help. I paid XXXX XXXX   payment plus the {$300.00} from XXXX. I received an email last week stating I did not qualify for Covid relief and then this week I received papers stating the reversed my modification back to a {$1600.00} a month payment. I am a single mother that works and XXXX XXXX XXXX. I want to keep my house and am asking for them to work with me, which they do not want to do. I did some research and they have had a class action lawsuit filed against them for dual-tracking which I believe is what they are trying to do to me as I have around {$35000.00} of equity in my home. I called the XXXX XXXX XXXX  and they have an F rating with them and was told to file complaints with several other entities. I just want some help reaching a fair modification for my loan. I would also, like it noted that this was originally an 80/20 loan with the second having over a 10 % adjustable percentage rate and that I paid that loan in cash from my settlement and that should show that I am trying to keep my home.
Product: Credit card or prepaid card

In XXXX of 2014 Bank of America put a 30 day late payment on my account. This was an auto bill pay issue and the bank recognized this on their end because they closed the account, then reopened the account when I disputed the issue with a branch manager in XXXX XXXX NY. However, they never removed the late payment that was associated with the same issue. It just popped up on two bureaus and has severely lowered my credit score.
Product: Checking or savings account

MUFG Union Bank of California is holding my funds since the deposit is greater than {$5000.00}. Bank is reserving the right to do so past the 5 statutory days according to the FDIC directives. The held funds resulted in unsuccesful payment due to unsufficient funds on the account. The bank Ledger balance showed {$8400.00} prior to me making the payments to the respective vendors. Nowhere within the information available to me was there a note saying that the shown balance was actually on hold and for what duration of time. So BALANCE was showing positive until I made the payments. Only after doing so the existing balance of {$8400.00} turned into a - {$1900.00}. If the bank acted correctly and have shown the negative balance due to the HOLD on funds from the begining I would not attempt to make payments to anyone. Afterr calling the bank their representative advised me that they are well within their rights to do what they did even after i pointed the fact that the BALANCE was shown positive before the payments were made. The deposit was made on the XX/XX/2019 and they are holding the funds over {$5000.00} untll the XX/XX/XXXX according to the representative and the letter I received today XX/XX/XXXX. According to the document the {$3200.00} are held for 10 calendar days.
Product: Credit reporting or other personal consumer reports

Hello I notice there were several fradulent inqurires on my credit profile.inquiries consist of the following.Those I attempted to call and dispute those fraudluent inquiries without any response or acknowledgement. I have send multiple disputes without any succeed or response. 

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

XXXX  XXXX has been reporting as late payments. This account has been paid before collections
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi Im checking my credit score and report and came across an unauthorized credit check from XXXX. The report was submitted on XX/XX/2018. I have no clue about this request and never made any request for an automobile.
Product: Money transfers

On XX/XX/2015 I initiated a wire transfer from my personal bank account at XXXX in XXXX, XXXX to a business bank account at Wells Fargo Bank in XXXX XXXX, XXXX. Not long after I initiated the wire transfer process, I received a telephone call from the Wells Fargo Fraud Unit informing me that I am probably the victim of fraud and that I should contact my bank ( XXXX ) immediately to have the wire transfer stopped and/or recalled ; due to the 6-hour time difference I was not able to contact my bank until the following morning when they opened. The Wells Fargo Fraud Unit did not take any steps to stop or intercept the fraudulent wire transfer that they called me about! 

I sent the money to : XXXX XXXX. XXXX XXXX XXXX XXXX Attn : XXXX XXXX Phone ( XXXX ) XXXX Wells Fargo Deposited to : XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, XXXX XXXX ( XXXX ) XXXX I immediately filed a felony criminal complaint with the XXXX Police Department via telephone and they have since arrested and charged XXXX XXXX with felony fraud. I have been working steadfastly with XXXX trying to resolve this issue and to get Wells Fargo to refund my money via reverse wire transfer since Wells Fargo identified the wire transfer as fraud, recognized that they were depositing into a personal account instead of a business account and that the account holder 's names were not the same and did not intercept or place the wire transfer on hold until it could be verified. Unfortunately, Wells Fargo bank has given me nothing but lip service and the run-around and wasting my time while I tried to resolve this amicably. My bank ( XXXX ) wire transfer department has sent the Wells Fargo bank no less than a dozen secure XXXX messages trying to recover this money that they put into the wrong account. However, Wells Fargo has completely ignored my bank and refused to even respond to them too. 

I am attaching a true copy of the original wire transfer instrument to this complaint. Please investigate and make Wells Fargo bank follow the rules and refund my money.
Product: Credit reporting or other personal consumer reports

Complaint Regarding Credit Report Inaccuracies Dear CFPB, I am writing to file a complaint regarding inaccurate information on my credit report. I have been actively disputing these inaccuracies with the credit bureaus, but they have failed to adequately investigate my claims or remove the incorrect information. In accordance with the Fair Credit Reporting Act. I attached the PDF file below containing the list of items that have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Credit Bureau stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify or delete accounts that aren't reporting correctly. 

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. 

I also believe that the credit bureaus have violated the Fair Credit Reporting Act ( FCRA ) by failing to : XXXX. Investigate my disputes in a timely and reasonable manner : The credit bureaus have not provided a clear explanation for their decision not to remove the inaccurate information, and I believe their investigation was inadequate. 

XXXX. Furnish accurate information to creditors : The inaccurate information on my credit report is harming my ability to obtain credit and other financial services. 

XXXX. Follow the FCRA 's dispute resolution procedures : The credit bureaus have failed to comply with the timeframes and procedures outlined in the FCRA. 

I am requesting that the CFPB investigate my complaint and take the following actions : XXXX. Order the credit bureaus to remove the inaccurate information from my credit report. 

XXXX. Require the credit bureaus to provide me with a copy of my updated credit report reflecting the changes. 

Enclosures : Copies of my credit reports Copies of my dispute letters Copies of any supporting documentation I provided to the credit bureaus
Product: Credit reporting, credit repair services, or other personal consumer reports

I want these items fixed on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Under XXXX ( b ) ( XXXX ) ( i ), the last statement date is the date of the last periodic statement or written account statement or invoice provided to the consumer by a creditor. For purposes of XXXX ( b ) ( XXXX ) ( i ), the last statement may be provided by a creditor or a third party acting on the creditors behalf, including a creditors service provider. However, a statement or invoice provided by a debt collector is not a last statement for purposes of XXXX ( b ) ( XXXX ) ( i ), unless the debt collector is also a creditor.
Product: Debt collection

I am writing to formally dispute certain information on my credit report related to the following accounts. The discrepancies have been acknowledged by the respective banks as internal errors, and they have committed to making the necessary corrections. I request that you update the information accordingly : XXXX XXXX XXXX XXXX, DEPT OF EDXXXX XXXX, and XXXX XXXX XXXX , XXXX. XXXX. I have attached supporting documentation, to substantiate these claims. These inaccuracies are causing financial and emotional distress, and I request a thorough investigation into these matters. I withhold my consent for electronic communication and explicitly request that all responses be conveyed in written form through the United States Postal Service ( USPS ).
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the fair credit reporting act. the list of accounts have violated my federally protected consumer rights to privacy and confidentiality under USC 1681 XXXX XXXX # XXXX, XXXX  XXXX # XXXX, XXXX XXXX  # XXXX, XXXX XXXX # XXXX, XXXX XXXX  XXXX XXXX, XXXX CARD # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX, DPT EDXXXX # XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX # XXXX Have violated my rights 15 U.S.C 1681 section 602 A States I have a right to privacy 15 U.S.C 1681 section 604 A section 2 also states a consumer reporting agency can not furnish an account without written instructions.

15 U.S.C 1681 c ( 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 conviction of crimes which antendates the report by more than seven years.

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

Several of the Bureaus have not responded to me at all on this issue however, Experian specifically claims to have verified information that does not belong to me and I know can't be verified because I contacted the source of the information that they have listed on their website and they are not reporting this information nor can they verify it. 

The information that I am referring to is the item " XXXX XXXX Bankruptcy ''. 

XXXX and XXXX have completely ignored my request with zero communication to me. I am attaching supporting detail here as well that shows there is no Bankruptcy on " XXXX XXXX ' " Consumer Report for me. XXXX XXXX is the Agency all of which use to verify such information per their very own websites.
Product: Checking or savings account

When paying for online services for some companies such as XXXX and XXXX you can only set up monthly recurring payments rather than pay for a year at a time. 
The timing of the charges is inconsistent and frequently is charged right before payroll direct deposits. 
When there arent available funds, Wells Fargo pays the company and then tacks on a {$35.00} over draft fee for transactions under {$10.00}. I have personally spent an hour or more in front of bank managers asking Wells Fargo to not decline authorization for these transactions when the account has insufficient funds. The Wells Fargo company policy specifically states that Wells Fargo reserves the discretionary right to decline these transactions. 
These arent critical services I dont want them authorized when there are insufficient funds. 
Not all vendors do this. If you attempt a recurring transaction on XXXX from XXXX and funds are insufficient the transaction is declined and service is suspended as it should be.
Product: Credit card or prepaid card

I originally opened a Citi financial card ending in XXXX with XXXX XXXX approximate date was XX/XX/XXXX I used the card for a few things and paid a minimum payment auto draft which was required for getting the card. 
At some point I realized that fraudulent charges were occurring so I called Citi financial to block the card and send me copies of paper statements, the statements. Then I realized an imposter had received a new card and number, and the entire time my auto draft was in place. I must admit I have been mentally challenged this past few years and I was not paying attention to my accounts. 
I have called several time to customer service and they dont recognize my account? but they keep calling me daily asking me for payment. 
I stopped auto draft that I did not realize was still going through after I stopped the original card someone else opened the new account ending in XXXX Please allow me to send the 3 inch stack of paper statements that were mailed to me XX/XX/XXXX I believe the Citi financial, XXXX XXXX are the culprits, also there was security breach I also was subjected to with my mortgage company XX/XX/XXXX I was issued 1 year of free credit report/alerts, there were too many to count. 
I would appreciate a call to discuss my most urgent need to recover my identity with Citi financial bank, again just today I spoke with a fraud specialist that would not tell me his last name, address my last payment over the phone was made XX/XX/XXXX. I really wasnt thinking correctly until recently Im waking back up now, please help, thanks
Product: Credit card or prepaid card

My credit card had expired and I called to ask to have a new card issued to me. The representative informed me my account had been permanently closed. When I asked why, I was told it was because they had issued a new card and it had been returned so they permanently closed the account. I had let them know that the address they had on the account had the wrong town and zipcode listed when I reviewed it in their app but I had updated it to the correct address and asked for them to please reissue the replacement card to the correct address. I was told they could not do that and i would need to reapply. I asked if they could transfer the balance and assign me a new account number and issue a new card and was told again that they can not do that and i will need to reapply. I've had balances transfered and new accounts issued in the past without an issues. I do not miss payments and am never late on my payments. This account was closed due to an error on their end.
Product: Checking or savings account

About 2 months ago, I tried to link an external account to my Ally account but got an " unexplained error. '' I am not unable to link any new external account from within my Ally account. Over the past XXXX  months, I have chatted and called in 10+ times, always waiting on hold for XXXX minutes. When I speak to a rep, I am always told the case ( case ID XXXX ) has been " escalated '' and I will receive a call back in 1-2 days once the issue is resolved. 

I was eventually told that while Ally 's external account limit is XXXX, and I have about half that, because I have previously had XXXX ( over my history with Ally ), the system has a flaw where it's still thinking I've hit the max number of external accounts. Ally 's solution is to raise my external account limit. 

Every time I call, I am asked to retell my story from the beginning. A few days ago, I finally learned that while the case had been " escalated, '' it was labeled " low priority, '' even though every prior rep had specified it was labeled " high priority. '' Additionally, whoever initially created the case filed it with Ally 's " Loss Prevention '' department. I spoke to a rep in that department who apologized it had been incorrectly filed to them but that he had no way of changing how it was filed. He suggested I call Ally 's " ACH Ops '' department, but when I call back the next day, the rep wasn't able to locate any department by that name/type. 

This is an incredibly easy fix : either raise my external account limit or fix why the system is seeing previously-deleted accounts as still present. Ally is my and my wife 's primary bank, and we regularly keep around $ XXXX present, but we will be unable to continue using it is this issue isn't fixed.
Product: Credit reporting or other personal consumer reports

My information was exposed in a data breach, I have been battling with Equifax to remove inaccurate items on my credit report. Equifax refuses to obey the law of FCRA. I requested that they delete all Hard and soft inquiries on my report. I did not authorize these companies to run my credit report. Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Please also remove all non-account holding inquiries over 30 days old. It has been over the 30 days since I requested Equifax to delete this information! If these items are not promptly removed and I will love forward with civil lawsuit. I have been battling this with Equifax for 6 months. Please delete all negative information form my report immediately due to my info being exposed in a data breach and me not giving permissible purpose!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute an unauthorized credit inquiry on my credit report. I visited a car dealership that was supposed to run only XXXX account for me, but instead, they ran my credit for multiple accounts and resulted in multiple hard inquiries on my credit report. I did not authorize this inquiry, and I was not informed that my credit would be checked for multiple accounts. 
I am requesting that this unauthorized inquiry be removed from my credit report immediately.Please investigate this matter and remove the inquiry from my credit report as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Thank you for your prompt attention to this matter.
Product: Debt collection

I have a a unverified account from DIVERSIFIED CONSULTANTS # XXXX. I had previously disputed this account. I have never done business with DIVERSIFIED CONSULTANTS. Pursuant to the Fair Debt8 Collection Practices Act ( FDCPA ) XXXX U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that DIVERSIFIED CONSULTANTS Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that DIVERSIFIED CONSULTANTS Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
Product: Credit reporting or other personal consumer reports

In accordance with fair credit reporting act.The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under usc 1681 Violated my rights. XX/XX/year> XXXX collection XX/XX/year> XXXX collections XX/XX/year> XXXX collections. XX/XX/year> XXXX. 

15 u.s.c 1681 section 602A states I have the right of 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 1681 c ( 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 conviction of crimes antecedents the report by more than seven years.

15 u.s.c 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.