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

This company is in violation of the FCRA and XXXX Compliance and reporting violation. 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information soley as to transactions or experiences between the consumer and the person making the report ; On XX/XX/2022 and XX/XX/2022 you reported transactions from account # XXXX to my consumer report. Congress section 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the person/ Corporation making the report is not included on the consumer reports yet you are reporting this information to my consumer reports! 

The reporting of excluded information pursuant 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) to a consumer report is Clear violation of XXXX compliance! 

Now before you think to reply with validated, lets be clear I am not asking you to validate or verify anything so dont respond telling me that to waste my time. Further more 15 USC 1666b ( a ) ( a ) TIME TO MAKE PAYMENTS A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Mortgage

My homeowners insurance is again paid late. It was due XX/XX/XXXX. They dont pay it last year and I had to pay it out of my pocket. It shows the payment was made XX/XX/XXXX this year but my insurance company has still not received it. They did not provide any tracking information with the payment and my insurance company still has not received it twelve days later. I have received notice that my policy will lapse again. I want to end escrow on this loan and make these payments myself. This company is crooked as a dogs leg.
Product: Debt collection

I received letter from convergent outsourcing stating i owe XXXX from XXXX. I have a XXXX balance with XXXX. I noticed on the XXXX help forums that this company routinely tries this scam with hundreds of people with no impunity from XXXX.
Product: Debt collection

I did not consent, nor benefit from, or authorize any of the following Accounts : Wells Fargo - Account # : XXXX - {$4700.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Experian I XXXX XXXX, Consumer and natural person Am aware of all rights, that i have and which are Protected by the congress under the Fair Credit Reporting Act ( FCRA ) The list of accounts below has violated my federally protected cosumer rights to privacy and confidentiality under 15 USC 1681 * XXXX XXXX * XXXXXXXX XXXX  XXXX  * XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX 15 USC 1681 section 602 A. States i have the right to privacy.

15 USC 1681 section 604 section 2 It also states A consumer reporting agency can not furnish a account without my written instructions. 

Delete the accounts immediately unless you want to be held {$1000.00} per violation
Product: Debt collection

XXXX is the amount on my credit history which isn't mine, unfamiliar with account, and capital one credit card that isn't mine
Product: Credit reporting or other personal consumer reports

Fraudulent Accounts : US Dept of EducatioXXXX XXXX XXXX XXXXXXXX ( {$7600.00} ) US Dept of XXXX XXXX XXXX XXXX XXXX XXXX ) I have two XXXX  loans on my XXXX, Equifax and XXXX consumer report and these accounts are due to fraud. The accounts were open in XXXX which is proof of fraud due to me being XXXX during the year of XXXX. I was XXXX  and sentenced in XXXX of XXXX, served with five years in the XXXX XXXX XXXX XXXX. I have documentation from the XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX to support what I am reporting. I have never asked the creditor for a loan I have never signed any loan agreement I deny any ownership of the XXXX  loan accounts. It is physically impossible for the accounts to belong to me for as I was away in prison during the year of XXXX to be exact, I was away from XX/XX/XXXX to XX/XX/XXXX is when I was released. 

Please provide ANY documentation that proves these are my accounts as I attached Sentencing documents from the court. Along with a FTC report to have these removed ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an error on my credit report from XXXX XXXX that states that I was 30 late which is not correct. I was never 30 days late, the dates for this dispute are as follow ; XX/XX/17 confirmation # XXXX, XX/XX/17 confirmation # XXXX XX/XX/17 confirmation # XXXX, XX/XX/17 confirmation # XXXX. These disputes were not successful my report still show 30 days late. I have obtained documentation from the creditor that proves that they were in error and to have this report correct. Equifax is still reporting 30 days late despite of the documentation that was faxed to them on XX/XX/17.
Product: Credit card

I am writing a second complaint on this issue ; I had previously filed a complaint, # XXXX. I did not receive a response from the Company on this issue, and checking with the CFPB was the only chance I had to see that they responded. They did not address the actual specific concerns, and used boilerplate responses as if I were just complaining about my credit limit and the inappropriate finance fees, and were so insulting to even include in their response that I should " pay my bills on time '' to not receive finance fees.


Hopefully someone at Amex will actually READ this letter rather than assuming all complaints are bad lazy people that don't pay their bills. Regarding the Credit Limit issue, their " periodic check '' happened during a time while I was
experiencing fraud on another ( XXXX ) credit card. XXXX has since removed the negative reporting that Amex specifically cited as the excuse for the reduced credit limits. Now the negative reporting has been removed, it is reasonable to ask Amex to check the accounts again and reinstate the limits.

Regarding the finance charge, as I reported, I -did- pay my bill on time, but Amex recorded the transaction as taking place XXXX XXXX late. Attempting to charge finance fees and a late fee for a payment being purportedly XXXX XXXX late is usury and a grotesque interpretation of the XXXX. 

I hope someone at Amex will actually READ this complaint as to the specifics, rather than assume I am just someone that is " Boo hoo '' upset about typical metrics. Their actions are disappointing and usury, and I will continue to escalate this issue with the CFPB and other regulatory agencies until an appropriate outcome is received ; it would be appropriate for Amex to address appropriately instead of telling me to " pay my bill on time '' as if I hadn't made perfect payments for entirety of being a card holder.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I used an attorney to pay off credit card debt after divorce. I paid off XXXX XXXX bill of XXXX dollars in XX/XX/2016 to close account. My ex wife is trying to sell the home she was given in the divorce. Unfortunately XXXX XXXX has placed a lien on the mortgage, despite the account being completely paid off.
Product: Credit card or prepaid card

JetBlue XXXX XXXX XXXX Mastercard by Barclays Bank XX/XX/2021 : I was booking a ticket on Jet Blue when this ad popped up stating that I get {$150.00} off the price of the airline ticket if I clicked on the " apply for credit card '' - I did, got a message that my credit card was approved, but the system timed out and I couldn't book the ticket. A week later I got the card - and when i read the instructions it had {$99.00} annual fee -- which was not mentioned when the ad popped up. 

Around XX/XX/2021 : I did not activate the card and simply returned the card ( cut in half ) for it to be canceled. 

On XX/XX/XXXX, I got a letter from Barclays that I owe them {$99.00} -- which is absolutely uncalled for since ( a ) the annual fee was never advertised, ( b ) the reason for clicking on it was to get the {$150.00} instant off on the airline ticket, and ( c ) I didn't even activate the card the moment i read the terms and conditions and returned it.
Product: Debt collection

I am a person who has been a victim of a compromised identity in which several accounts were fraudulently established one of them being a XXXX  card services account and which I am disputing from the CRAs all of which have been removed except for one with one reporting agency. I have been communicating with XXXX  and as of yet they have not remove this from my credit profile even subsequent to me faxing over the FTC report and a police report. Over the last two months I have also be getting a bill for the same amount owing to XXXX  from this so-called attorneys company which I believe is a collection company that XXXX  sold the debt from that fraudulent account in my name to this collection company who is now harassing me with the mail as well as XXXX
Product: Money transfer, virtual currency, or money service

on XXXX XXXX i contacted my bank which is Chase bank better known as JP Morgan to process a wire transfer of 2000 to purchase a car from the company XXXX I asked for assistance on how to go about doing this however none was really given, i proceeded to process the wire transfer to the company of Tresl the account number given to me by the company was : XXXX routing number XXXX the wire transfer was received according to chase bank on XX/XX/XXXX the company XXXX informed me that the account listed does not accept wire transfers as it is an ACH account I have all emails received from the company XXXX i reached out to my bank to cancel the wire transfer or as chase called it recall the wire transfer which failed I am caught in the middle of all this I want my money back into my account and chase is refusing to do so, i find this wrong and i want my money back i have since sent a 1000 down payment for my car and the 2000 according to tresl was received i asked chase XX/XX/XXXX to provide information that the 2000 was not received via wire transfer so far they have not provided that proof i have reached out to XXXX and the same thing so i am convinced this is in fact some sort of fraud/scam and i want my money back.
Product: Credit reporting, credit repair services, or other personal consumer reports

Subject : Dispute Regarding Missing 1099 Statement for Car Loan I hope this letter finds you well. I am writing to dispute the accuracy of my credit report and bring to your attention the absence of a 1099 statement from XXXX XXXX XXXX account # XXXX regarding my car loan for the tax year 2022. Despite my efforts to obtain the necessary documentation, the bank has failed to provide me with the required 1099 statement for tax reporting purposes. 

As per my understanding and in accordance with IRS regulations, financial institutions are responsible for providing their customers with the appropriate tax documents, including 1099 statements, for taxable income earned through loans and other financial arrangements. Unfortunately, XXXX XXXX XXXX has not fulfilled this obligation in my case. 

I have made multiple attempts to contact XXXX XXXX XXXX to request the 1099 statement for my car loan, but all my efforts have been in vain. I have spoken with their customer service representatives, sent emails, and even submitted written requests, but to no avail. Despite assurances that the matter would be resolved promptly, I have yet to receive the necessary documentation. 

I am writing to inform you of this discrepancy in my credit report and request your intervention to rectify the situation. I kindly ask that you investigate this matter and remove any negative reporting related to the missing 1099 statement from XXXX XXXX XXXX account # XXXX. It is essential to note that the absence of the XXXX statement inaccurately reflects my tax reporting obligations and may negatively impact my creditworthiness.

I have enclosed copies of the correspondence exchanged with [ Bank Name ] and any supporting documentation to substantiate my claims. I believe this evidence will demonstrate my genuine efforts to obtain the necessary documentation and the failure of XXXX XXXX XXXX # XXXX to fulfill their obligations in providing the 1099 statement. 

I kindly request that you conduct a thorough investigation into this matter and provide me with a written response regarding the outcome of your investigation. Furthermore, I request that any negative reporting related to this issue be corrected or removed from my credit report promptly. 

I appreciate your attention to this matter and your commitment to upholding the accuracy and integrity of credit reporting. I trust that you will take the necessary steps to rectify this discrepancy and ensure the fair representation of my credit history. 

Should you require any additional information or documentation to support this dispute, please do not hesitate to contact me at your earliest convenience. I am more than willing to provide any necessary details to facilitate a timely resolution. 

Thank you for your understanding and prompt action in addressing this matter. I look forward to a favorable resolution and the accurate representation of my credit history. 

Sincerely, XXXX XXXX
Product: Vehicle loan or lease

I have been a new Ford customer for the past two years. My first two vehicles I leased a XXXX Ford Focus and returned it with no issues. On my second vehicle, a XXXX Ford Fusion, I traded in my lease early X/XX/17 being advised I was eligible for an early bird trade in. I traded the Fusion in and picked up another XXXX Ford Escape Titanium. 

I periodically checked in with Ford Credit 's website to see that payment was still due but I was assured by the sales rep that all the paperwork was completed that day and I had nothing to worry about. When I received letters that payments were missed, I followed up again and going forward I have made no less than a dozen calls into Ford Credit and half a dozen calls into the Ford Dealership in XXXX, CA to get the issue resolved. 

Ford Credit made contact with the dealership and confirmed the details with the GM and the sales rep, yet still continued to bill me the remaining 3 months as well as report to the credit agencies that I am delinquent on my payments. 

There have been several lease end managers that have been handling my case who have made contact with XXXX XXXX 's dealership. Each time they have stated I would receive follow up phone calls to update me on the issue and promised me that it would be fixed. However, each time I have had no follow ups done. I am on the phone again now with XXXX and she has again promised me to accomplish what all the others have promised me. 

The error seems to be that XXXX did not send the early bird termination papers and payment or that Ford Credit lost that information. But even with contacting the dealership, confirming that it was an early bird termination/trade in, I am still being asked to pay Ford and Ford has done nothing to repair my credit. 

The aggravation, distress, and time at work spent on dealing with this matter during working hours must be worth something. Additionally is this common practice at Ford Credit and lease end returns? It does not seem like there is any competency at Ford at the Credit department and at the dealership which makes a consumer suspicious that this is widespread.
I now turn to CFPB to see if we can get some movement on this as 3 months later they are still looking for papers ( even after the leased vehicle has been inspected, traded in, and facts verified ).
Product: Credit reporting, credit repair services, or other personal consumer reports

these accounts do not belong to me and would like them investigated and DELETED from my credit file.
Product: Credit card or prepaid card

I called Capital One, and I was in touch with Capital One employees in CA CapitalOne Cafe. 
As of XXXX, i owed about XXXX dollars. I was notified that as long as there was a balance on my account, i would owe interest charges. OK. I spoke with persons over the phone, and people in CapitalOne XXXX. For XXXX, i paid XXXX before and on XXXX XXXX. I was notified that as long as there was a remaining balance for the month, i would owe interest on that balance. OK. Remaining balance after my payment is XXXX dollars. I was then told that if i did n't want to be charged interest in next month payment, I should pay in full amount of remaining balance before XXXX XXXX. I decided to follow their advice and pay the full amount of XXXX dollars before the end of the month XXXX XXXX. For 7 days my balance showed as XXXX dollars balance. I paid in full my remaining balance. OK. Then, suddenly, XXXX XXXX, i get a notice on email. You have a remaining balance of XXXX dollars. Why, i was told that if i made the remaining balance payment in full before the end of the month, i would not be charged interest/extra fees. I made the full payment of XXXX dollars. Yet, on XXXX XXXX, i was apparently charged XXXX dollars. That is absurd. I was told by Capital One that as long as i had a remaining balance at the end of the month, i would be charged interest. BUT, if I made the payment in full on the remaining balance, i would not have to be charged interest - as there was nothing to be charged on. It is absurd to be told that i would not be charged interest as long as i paid my credit card balance in full. Capital One i believe is misleading,
Product: Credit reporting or other personal consumer reports

This account is completely not mine. This should not be reporting on my credit report without my knowledge or consent. This has made me seriously distress and concern.
Product: Prepaid card

I've had a greenlight account for a while. A year ago I changed my phone and contacted greenlight to give them the new phone number so I could access my account and be able to deposit funds for my kids. I got a text saying I no longer had a greenlight account and that was why i couldnt access it. I didn't care to continue with greenlight and accepted that it was a closed account. I notice a few months later, that I was still being charged for an account that I was told was closed. I emailed greenlight to ensure it was canceled and get my money back. A few months later it happened again. I'd get a text or email saying I have no account, yet they continued to withdraw money from my bank account. In ever correspondence to greenlight, i provided my name, my old phone number, new phone number, date or birth, name of XXXX kids on the account. I provided plenty of information for an agent to be able to access my account. They always told me that I had no such account. It's been dormant for about a year and they kept charging me and telling me I had no such account. I finally called to ensure it was canceled, though I prefer everything be in writing, like all the previous correspondence. I am not sure if it was actually canceled this time. I know i got no refund. They offered a partial refund but only if I kept the account opened. I don't want it, nor need it, after a year of having no access. I've found other means to transfers my kids money because this greenlight account just didn't work, regardless of house many times I reached out.
Product: Credit reporting or other personal consumer reports

My purse was stolen during a football game in 2018, included in my purse was my driver 's license and social security cards. I made a police report and was advised to continuously monitor my credit report. I recently requested a copy of my credit profile and noticed accounts and inquiries that are not mine nor do I have any knowledge of. I've contacted both Experian and XXXX requesting verification in attempt to get this resolved. Neither company have provided an updated or resolution. Furnishing this information to my profile is violating my consumer rights specifically 15 USC 1681B, furnishing any information without my permission or written consent, and 15 USC 1681 C-2, furnishing accounts due to identity fraud. These accounts and credit inquiries that I have no affilation with are : XXXX XXXX XXXX AND XXXX XXXX. Credit Inquiries include XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX AND XXXX XXXX Im not sure who has been trying to gain lines of credit, but its severely impacting my credit profile.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried getting this issue resolve directly with XXXX, XXXX has failed to investigate this issue or remove those accounts i am a victim of identity theft i have submitted a FTC report and proof of my identity
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act ( FCRA ) SECTION 605B. It is illegal to report information on my credit report without my permission. Please remove this item from my credit report. 
I WANT REPORTED ACCOUNTS REMOVED. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/2021 my card was hacked. My lender is netspend/XXXX. I attempted to make numerous dispute regarding my money being taken out of my checking account. They canceled my first card on XXXX the XXXX and sent a new one. That same day, we filled the first dispute. They took over XXXX of my money on international purchases not authorized by me. I made 3 disputes regarding the online purchases and they wouldn't give me my money back. The told me I would receive one payment on XX/XX/XXXX. The next payment was XX/XX/XXXX. My last payment with all my money was suppose to come today XX/XX/XXXX. I called to check if I received anything and I did not. I asked them about it and it was never filled. Now I'm filling this complaint in order to get the help I need. If you can follow up with me please contact me at XXXX or email me at XXXX XXXX
Product: Credit reporting

I checked my credit report it let me know that I owe XXXX XXXX dollars I did n't understand why because I did n't have XXXX before my first time I open a XXXX contact was XX/XX/2016 and I 'm currently with them now as my phone company