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

I have disputed the late payments on this XXXX  XXXX XXXX account for months. XXXX  and XXXX  have reversed them but Equifax is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. Under the FCRA ( Fair Credit Reporting Act ), a lender, financial-institution and/or credit card company cant treat a payment as late if it was received by XXXX XXXX. on the day that it was due. If the due date was not a day on which the card company receives or accepts mail ( for example, Sunday or a holiday ), the card company can not treat a mailed payment as late if it was received by XXXX XXXX on the next business day. CFPB please step up and fix this ASAP please Im looking to purchase a home.
Product: Checking or savings account

My on line banking is being accessed by another device. The person who's doing it is paying for rent at other places. Buying things online. And changing my password. Also changing my address address. My address is getting changed.
Product: Checking or savings account

I am in the XXXX on XXXX for XXXX program. In XX/XX/XXXX I received a SSN and was approved for SSI. I am an elderly war refugee who relies completely on the SSI payments. On XX/XX/XXXX my daughter helped me to open 360 checking account with Capital one. We submitted all the information online, including social security number and gone through the entire process to set up a new checking account so I can deposit and use SSI payments for rent and food and other living expenses. The account was opened and a debit card was sent to me. I received an email that I can deposit the check within 90 days of account opening else the account will be closed. So I deposited my SSI check. And capital one gladly took the money off the check and processed the funds to my account within 2 days .To my great surprise when I went on XX/XX/XXXX to withdraw the funds, the card was taken away by the ATM and my account got frozen. When my daughter called to talk to the bank, they were unwilling to release the funds, said there was some investigation for fraud going on and they were unsure how long it will take and what would happen to my funds. They said at some point someone will reach out but they could not let me know how long this process will take and how I will be contacted. Meanwhile I am out of the SSI funds and am unsure when I will have access to them. I am looking for any help anyone can provide me so I can get back my funds from Capital one and pay for my living expenses. If they could not verify my identity, they should have not let me deposit the funds. I would have gone to a different bank.
Product: Debt collection

There is a collection listed that is NOT accurate I do not owe XXXX. I was never informed of this collection company trying to collect this debt or I would have disputed this before it was listed on my credit file because it is NOT right. Please help
Product: Credit card

I am not receiving my Marriott Bonvoy points from Chase to my Marriott Bonvoy account. I have contacted Chase and Marriott but neither one is able to assist me, Chase just says it is linked and you just have to check Marriott, but I would not be calling Chase if I had my points already. This has been going on for the past 2-3 months. I have contacted Marriott as well and they confirmed that the Chase card is not linked and would need to contact Chase to link it. We confirmed that the personal information, name, email, phone number all matches on both sides ( Chase and Marriott ). Every time I call Chase, they claim that it is escalated and has been resolved, but do not contact me of the resolution to confirm if it actually is resolved by me. I am missing over XXXX bonvoy points from chase and a free night award and the elite night credits as well. My statements end every 3rd of the month. I have not received any points since I opened my card in XXXX. I want my Chase Credit card to be linked to my Marriott account and all of my points, elite night credits and free night award to be transferred, if this can not be accomplished, I will need to cancel my card and my XXXX fee refunded as it would be pointless to keep. I also have an error message stating " We couldn't load your Marriott Bonvoy Benefits in the Chase Mobile App '', but the Chase representatives just ignore my concern. I have attached screenhots of my error message in the Chase Application and all of my Marriott Points earned in the past 6 months, which does not show the chase points. Everytime I call Chase Customer Service they say my Marriott Bonvoy number is linked and it is not, it does not show it in my Chase Mobile App.
Product: Credit reporting or other personal consumer reports

The current issue involves an incomplete and inaccurate credit report from XXXX Experian and XXXX, which has severely impacted my ability to obtain credit. Despite attempts to verify and resolve dispute the matter, the report accessed from XXXX 's Experian and XXXX website displays no information, like XXXX account that was resolved XXXX  that was paid and inquiries that I did not make resulting in denials for credit applications, The only degrees that should be on my credit are the ones that I knew I was going to get a approval for. This issue urgently needs resolution as it is significantly disrupting my financial affairs and hindering access to essential credit services.
Product: Debt collection

I received notification that a debt was owed from a rental company. The email was received XX/XX/2023 and I receive additional documentation on XX/XX/2023. The statement of balance owed reflects an amount of {$1800.00}. I contacted Hunter Warfield and advised that I had a security deposit of {$1200.00} that is not showing as applied to current balance. The statement of a balance owed goes from the date of XXXX. I requested that the deposit be applied to the balance and this be revised to reflect the correct amount owed. Today XX/XX/2023 I receive a call stating I originally owed {$3900.00} and that the security deposit was subtracted already so the balance of {$1800.00} is correct. This is fraudulent because why isnt this shown anywhere on the statement of balance owed to begin with. I want this company investigated. Along with the company XXXX XXXX XXXX.
Product: Vehicle loan or lease

My original complaint, XXXX, was about not getting loan information on time to make the 1st payment and GM Financial not responding to my calls. Today I finally received the information from GM  Financial, I bought the new truck on XX/XX/2020, and it shows me being a month late already. I sent the 1st payment to the dealer as instructed and my check has cleared my bank. I called GM Financial customer service as soon as I received the letter and all they will say is they don't have it and I must find out how it was sent, when it was sent. This is all  information they and the dealer, XXXX XXXX XXXX in XXXX XXXX FL have, not me. As before they have not returned a call to me concerning this problem. Also, I have heard nothing about the first complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

The company responded with debt validation. However, for the period that Progressive ( the original creditor ) states I owe them for coverage, I was insured by another company since they offered me a better rate. I have attached the declaration page showing my coverage so therefore I do not owe Credit Collection Services nor Progressive any monies, as I was not covered by Progressive. I kindly request that this be removed from all three credit bureau reports.
Product: Credit card

On XX/XX/year> My remaining balance of XXXX for the Fortiva Retail Credit was transferred to a Fortiva Credit Card within the same company. I did not authorize this balance transfer or additional line of credit to be opened. 

My Credit limit for the Fortiva Retail Credit is {$4000.00} dollars and this new line of credit is {$2000.00} - the balance transfer is now making the credit usage on this new line of credit that I did not authorize high and effectively lowering my credit score. 

I called Fortiva to try and reconcile this issue on XX/XX/year> at XXXXXXXX XXXX Arizona Time, as I had not authorized an additional credit card being opened or a balance transfer they stated that this was a " promotion given to their best customers '' and that I would just need to pay off the remaining balance on the new card. 

I asked them why they changed me to this new card as I had not authorized it and they stated " According to the terms and conditions the company can change the terms of the agreement when they like '' They also stated that they were doing this across the board with all their customers. 

There was no resolution they just told me I needed to pay off my balance.
Product: Debt collection

it appears that XXXX XXXX XXXX hired local attorney Love , Beal & Nixon , P.C . claiming an old debt with no validation. I contacted the company and they were asking for personal financial information, social security information, who lives in my domicile and how much money I make. I declined to answer this information. I emailed the company to complain as provided on the letter within the XXXX  days and I inquired during a letter sent on XX/XX/XXXX XXXX shortly after requesting validation on debt that I do not owe. Their response was to sue me directly through my county as posted on XX/XX/year>. As a response to that I asked the court to dismiss the case and continue to arbitration as is my right to proceed with this. They responded with flat out lies claiming that I would have to pay XXXX  of dollars on top of the alleged debt providing the court with a magical number no where listed on the agreement. They cherry picked words out of the arbitration agreement to make it look as if it was not in my best interests and this response was submitted on XX/XX/year>. Not only is this clearly a violation of the FDCPA but they are intruding on my card agreement rights with false statements.
Product: Mortgage

Our mortgage is serviced by Fay Servicing. We mailed a cashier 's check drawn on XXXX XXXX XXXXXXXX XXXX  # XXXX dated XX/XX/XXXX for {$1500.00} to them, which we do every month. We got a message from them on XX/XX/XXXX, stating that our XX/XX/XXXX payment had not been received. I called XXXXXXXX XXXX and verified that the cashier 's check was paid on XX/XX/XXXX. I received a copy of the check and it was endorsed XXXX deposited into Fay Servicing , LLC account # XXXX. I called Fay Servicing at XXXX on XX/XX/XXXX. I talked to a rep, XXXX, for almost XXXX minutes, who wouldn't listen to me. All he wanted to know was when was I going to make the XX/XX/XXXX payment. I told him more than once during that call that the cashier 's check had cleared on XX/XX/XXXX!! I advised him that this was not the first time that Fay Servicing had messed up on our payment processing. He then wanted to know what address the payment was sent to. I told him the address on the bottom part of the account statement that was received in the mail. I told him that I always mail in a cashier 's check for our mortgage payment. He then put me on hold for several minutes and came back and told me that he had located the payment and would escalate my concern. I was also asked to participate in a customer service survey after the call. I was transferred to the survey and gave XXXX a rating of 3 the lowest rating. I was asked if I wanted a return call back from a supervisor/manager. I replied yes but that call never came. I checked on the payment posting again on XX/XX/XXXX XXXX the automated system advised me the XXXX payment hasn't been received. I called Fay Servicing again on XX/XX/XXXX and asked for a manager. I was then transferred to " XXXX '' who would not listen to my concerns either. I was on the phone with her for almost XXXX minutes!! She kept interrupting and said to send a copy our full bank statement in. I told her I would not, as the payment was made via a cashier 's check. At that time, I demanded to talk to someone higher than her. Guess what..she transferred me off to who knows where and a recording came on stating the mailbox was full and then the call was automatically disconnected. So now, I have been on the phone with Fay Servicing a total of XXXX minutes trying to get them to listen to me!! I have been checking several times, including today, Monday, XX/XX/XXXX XXXX it still hasn't been applied. Also, we are concerned about our late fees and the credit reporting due to Fay Servicing 's negligence. The last time something like this happened was in XXXX of XXXX. There was another time before that as well, but I can't remember when at this time.
Product: Credit reporting or other personal consumer reports

In XX/XX/2018 I noticed five accounts that did not belong to me on my credit report. XXXX XXXX XXXX XXXX JPMCB card accounts, XXXX XXXX XXXX XXXX XXXX XXXX XXXX accounts The FBI has emailed me regarding this matter and I am a victim of identify theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

Bank of America, I am an authorized user on a credit card - you had it reporting to the 3 major credit bureaus - and now it is not. 

Please have the credit card accurately report to the bureaus. 

Attached to this complaint are : - My drivers license - My social security card - My address - My credit card front and back
Product: Credit reporting or other personal consumer reports

This is my another Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 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 relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Mortgage

In short, our Title Company and original Mortgage Company both paid our real property tax for the second half of XX/XX/XXXX (due on XX/XX/XXXX)- paying double for our 2nd half property taxes and depleting our escrow account.  Additionally the original property tax amount that was supposed to be withheld was based on a XX/XX/XXXX DC appraisal rate (not our new development home), so there was additional property taxes needed to be paid.  The Loan was transferred to LoanCareXXXX in late XX/XX/XXXX, and they immediately decreased our loan amount by XXXX a month.  I called and asked them why they decreased it and was told "to not worry about it as its normal".  I explained that I couldn't imagine how that could be with the improper property tax amount, and asked them to look into it.  They never did.

 Come XX/XX/XXXX, and our loan payment increased XXXX dollars.  Upon calling LoanCareXXXX, they said that it will continue that increase for all of XX/XX/XXXX, explaining that my escrow account was depleted and required a certain amount at the beginning of each year  to meet escrow, PMI and DC property taxes.  I discussed with the original mortgage company and title company and they identified the issue that the Title company inadvertently paid the taxes twice- emptying our escrow account (which shows up on public record for the DC government).  All XXXX of us (Original Mortgager, Title Company and Myself) called LoanCareXXXX to explain  the situation and ask for an adjustment given enough was paid for the XX/XX/XXXX 1st Half DC property taxes due on XX/XX/XXXX.  LoanCareXXXX said that "they do not look at the DC government tax website when calculating these rates and will not do so" and that their "property tax department doesn't talk to the escrow department".  We explained though that without checking with the government on how much taxes are owed for XX/XX/XXXX 1st half, they would be paying an unnecessary surplus...and withholding an unneeded amount in our monthly payments.  The agent got frustrated and told us to send the tax information to LoanCare.  I did so on XX/XX/XXXX both via email and their online email system.  At this point, the payments listed have not changed, DC government says they cannot return any property tax payment, and LoanCareXXXX has not contacted me back about how they are going to make the proper adjustment.

In short, we just want to pay what we actually owe and have our loan service due their legally required due diligence in serving our loan.
Product: Mortgage

On XX/XX/2020 and XX/XX/2020 a technical error with my bank occured, double payments to Freedom Mortgage in two amounts of {$1400.00} were sent twice. Freedom Mortgage is making it difficult for me to get my money back as promised today. I have spoken to a customer service manager and she can't refund the money, she says it is done in a different department. XXXX XXXX Employee ID # : XXXX ) refuses to put her supervisor on the phone. She also requested a bank statement emailed at a generic company email address, I sent screenshots of both transactions but she says they might not be good enough in order to get my money back. I have no money because of this error, I have XXXX XXXX XXXX, and I am a XXXX veteran who lives alone. In the end, I still do not have my money back and I am in dire straits.
Product: Credit reporting, credit repair services, or other personal consumer reports

I financed a XXXX with XXXX/XXXX and met all obligations as required. A mistake in the accounting procedure of XXXX without my permission or knowledge shifted my account temporarily to XXXX XXXX of which I never applied to or had an account with. This caused numerous reports to the credit people of late payments when they actually were not only on time and correct but 1 account more was paid and the account instead of being late was ahead. I have written numerous times and am attaching 8 pages of documentation for review. 
Thank you for helping me get this cleared up and the credit reporting agencie : XXXX, XXXX  and Equifax to correct and remove all false reports
Product: Credit reporting or other personal consumer reports

Re : Urgent Request Fraudulent and inquiries block under section 605B of the FCRA Account in Dispute : XXXX XXXXL Account # : XXXX Reported Balance : {$15000.00} Account in Dispute : XXXX XXXX Account # : XXXX Reported Balance : {$280.00} To Whom It May Concern, I am writing to urgently request the removal of fraudulent accounts and inquiries on my credit report due to identify theft. The inaccurate information is causing significant harm to my credit, and I expect immediate correction action. 
Per section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), the following fraudulent accounts must be blocked and permanently removed from my credit file. I am invoking my right to have fraudulent information blocked and permanently removed from my credit report within ( 4 ) business days from the date of receipt of this letter. 
Account in Dispute : XXXX XXXX Account # : XXXX Reported Balance : {$15000.00} Account in Dispute : XXXX XXXX Account # : XXXX Additionally, I request the removal of all unauthorized inquiries to this identify theft : 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 XXXXXX/XX/XXXX Failure to comply with this request will leave me no choice but to pursue legal action. If this fraudulent information is not blocked and removed, I will file complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), and I will seek monetary damages for the harm caused by continued reporting of these inaccuracies. 
I also demand the immediate removal of all unauthorized inquiries related to this identity theft, which were are not authorized by me and negatively impacted my credit. If these inquiries are not promptly removed, I will escalate this matter to the appropriate legal authorities. 
I expect written confirmation by XX/XX/XXXX, confirming that the fraudulent XXXX XXXX XXXX accounts and any related unauthorized inquiries have been fully removed from my credit report. 
This is a time sensitive matter, and you are now officially on notice. Failure to act promptly will result in further legal action to protect my rights and restore my credit. 
Thank you for your immediate attention to this issue.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX XXXX for failing to properly investigate my disputes regarding inaccuracies involving my credit report. Despite my submissions, XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough and authentic investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX XXXX actions also may contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5336 ( a ) ( 1 ) ( A ) - ( B ). I requested that CFPB take appropriate action to ensure XXXX complies with the necessary proof of investigation. 

XXXX Account Number : XXXX Date open : XX/XX/year> Balance : {$1000.00} XXXX Account Number : XXXX Date open : XX/XX/year> Balance : {$14000.00}
Product: Credit card or prepaid card

The company is denying to review my dispute after they failed to properly notice me of the dispute documents they needed I did in fact send in the documents they just never told me which ones I didnt send
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that Equifax will investigate this account for me to ensure accuracy Here is the account I am asking you to verify as accurate : XXXX XXXXXXXX XXXX XXXX  ( account number XXXX ).
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX commits fraud and places inaccurate information on consumer reports in an attempt to get them to pay for debt that cant even be verified or validated. They placed a debt for XXXX for {$570.00} on my report with a reporting date on XX/XX/XXXX. They do illegal things in an attempt to pressure consumers. 

I mailed a letter the XX/XX/XXXX requesting validation. The address they have on file is incorrect as well. They are fishing and I refuse to pay a debt thats not mine that cant even be verified of validated. Both actually. Its been over 30 days I called the credit bureau as well as this address thats invalid is on my credit report now which puts me at a safety risk for my persona information. They are refusing to respond and if theyre responding with the unsaid address putting my personal information at risk which breaches HIPAA. I called today XX/XX/XXXX gave my actual address. The gentleman was nasty and sharp no customer service at all. 
This account needs to be deleted and removed from my credit Bureaus reports immediately for failing to validate within 30 days. 

I can add my usps tracking info it was delivered success Lu my letter to you and you guys did not validate