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

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

Ive applied for a new mortgage and several lenders, myfico, XXXX XXXX and ect is unable to access my equifax repeort. Ive called equifax 12 times and have been advised theres no freeze nor fraud blocks. However, no one can access the report thats jeopardizing me loosing my forever home. The error message is notating mismatch information, however Equfax has verified all information to be correct several times.
Product: Credit reporting or other personal consumer reports

I was renting at XXXX XXXX. XXXX XXXX XXXX IL XXXX and I had a lot of issues with mice infestation in my building and apartment. I have 3 little children and I kept reporting to management that I am seeing mice everyday in my home. They were climbing all in my cabinets eating my food and they just kept coming. My apartment got flooded out by another apartment and that made the mice issue worse. Management ignored every complaint that I made about this. One time I was able to get real close and get a picture of the mice in my home. Now I'm suffering the consequences of having a judgement from the property when I complained numerous times about the health issues in the building and nobody did anything about it. Only thing fixed this issue was that I ended moving. Went to hotel and was there for 2 months until I found another apartment.
Product: Credit reporting or other personal consumer reports

I have just noticed 6 hard inquires on my TransUnion account I did not authorize and is NOT accurate. It has been disputed with TransUnion but they still remain in my Credit Report.

Please remove these immediately and update my TransUnion Report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Listed 3xs on my report 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

Credit reporting agencies of XXXX, XXXX and TransUnion are reporting an account for child support enforcement despite the fact that I do not have kids and do not owe child support. This account is reporting under account number XXXX and has all but destroyed my credit and good name and reputation within the community. Repeated disputes have fallen on deaf ears and been ignored.
Product: Credit card or prepaid card

I have a Nordstrom Stores personal Visa card. I was late in XX/XX/2017 on two occasions due to the birth of a child. My interest rate was raised from the agreed 17 % to the deliquency rate of 31.15 %. I called and spoke to customer service. I was informed I had to make 6 payments on time in order to be considered for the 17 % rate again. I got a voice mail today informing me that I was approved ... .but at the same 31.15 % delinquent rate. I would now have to wait another 6 months before the next review period.

This is a deceptive trade practice. Nordstrom is advising clients to wait 6 months, while they continue to collect 31.15 % interest, even thought the account has not been delinquent for 6 months. 

I contend that there is no review period, or anything else occuring here. They are simply coercing people into believing they will have their rate lowered.
Product: Bank account or service

I deposited a check for {$160.00} into my XXXX XXXX acct on XXXX via mobile deposit. I do not get credit for this deposit until XXXX. That is too long. The {$160.00} check cleared my acct at my credit union on XXXX. Is this a violation of Reg E?
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law. 
XXXX XXXX XXXX XXXX XXXX, GA XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$2000.00}, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX
Product: Mortgage

Nationstar Mortgage return my monthly payment, refuse to answer QWRs and advertised the my residential home for sale on XX/XX/XXXX. It all started when I started asking for explanation and information about you is my lender and why I am charged so many fees that has baloon my monthly payment and increased my obligation to Nationstar. Instead of getting answer and resolution, I received payoff statement, default letters and foreclosure sale.
Product: Checking or savings account

On XX/XX/XXXX Wells Fargo closes both of my Checking and Savings account that held over {$2000.00} due to suspected fraudulent activity and did not notify me the reasons only until I called their fraud department. The issue was somebody who agreed to send me {$1500.00} for bitcoin had reported on XX/XX/XXXX that I somehow committed fraud when I had indeed sent {$1500.00} in bitcoin days after. I sent the conversation by fax to their department and have been in attempts to contact the person in dealing. Wells Fargo has told me it will hold the funds and account closed for at least two weeks until the resolution is investigated and resolved. Meanwhile I can not pay rent today, phone bill, buy food to eat, etc. even though I have not been proven guilty nor innocent. I have been with Wells Fargo for almost ten years and have never committed fraud so I dont believe this is warranted. I believe they should at least release rest of my money and hold the {$1500.00} which is being disputed until resolved.
Product: Credit card

I used my card for a hold downpayment in XXXX to XXXX XXXX. XXXX XXXX The purchase never was made. The card was charged 3 times for {$500.00} Chase card services is fradulent I believe i have submitted a complaint before For a while the balance on the card was {$0.00} Now it is {$500.00} please assist in this matter The card was charged 3 times, XXXX refunds were issued.
Product: Money transfer, virtual currency, or money service

I am being locked out of my venmo account. Every time I try to log in I get this error message - OAuth2 Exception : Unauthorized action I don't know what to do. I have set up direct deposit on my account. Why isn't venmo fixing this issue? Please help. I have submitted my ID & a selfie with my ID.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX CONTINUES TO PUBLISH THE FOLLOWING INFORMATION EVEN AFTER I INFORMED THEM THAT THIS WAS DUE TO IDENTITY THEFT WITH SUPPORTING DOCUMENTATION FROM THE USPS POSTAL INSPECTION SERVICE CRIMINAL INVESTIGATIONS DIVISION AND A SIGNED AFFIDAVIT FROM A USPS EMPLOYEE NOTING THAT SEVERAL HEALTH INSURANCE AND SOCIAL SECURITY CARDS WERE ORDERED NOT BY ME AND SENT TO MY XXXX XXXX XXXX XXXX XXXX MI XXXX. THE ACCT # IN QUESTION ON MY XXXX CREDIT REPORT IS : XXXX. I ALSO EXPLAINED TO THAT COMPANY THAT A COURT ORDERED CONSERVATOR NAMED XXXX XXXX, A LAWYER WITH LAW OFFICE OF XXXX XXXX, WAS ASSIGNED TO ME AND FORWARDED ALL MY MAIL AND TOOK OVER ALL FINANCIAL MATTERS AND THAT I NO LONGER HAD ANY CONTROL OF MY FINANCES AND THAT INQUIRES WERE TO BE DIRECTED TO HIM. THIS CONSERVATOR MISMANAGED MY ACCOUNTS AND REFUSED TO PAY ANY OF MY CREDIT CARDS RESULTING IN ALL OF THEM BEING CANCELLED EVEN THOUGH HE HAS BILLED THE COURTS AND MY ACCOUNTS WITH HIS FEES FOR PAYING AND REVIEWING MY CREDIT CARD STATEMENTS. MY CREDIT IS IN A WRECK FROM MISMANAGEMENT AND USED TO BE IN THE 720 - 780 RANGE. SINCE I WAS NO LONGER RESPONSIBLE FOR FINANCIAL ISSUES OR DECISIONS FOLLOWING THE APPOINTMENT OF A CONSERVATOR AND LOSS TOTAL CONTROL OF THE ACCOUNT, I SHOULD NOT BE HELD RESPONSIBLE FOR CHARGES INCURRED OR CHARGED BY HIM AND THIS SHOULD BE REMOVED FROM MY CREDIT REPORT. General Account Info Report Number : XXXX Date Generated : XX/XX/XXXX Account NamesAMERICAN EXPRESS AMEX Account NumberXXXX Account TypeCredit card ResponsibilityIndividual Date OpenedXXXX StatusAccount charged off/Never late. {$5100.00} written off. {$5100.00} past due as of XX/XX/XXXX. 
Status UpdatedXXXX Balance {$5100.00} Balance Updated XX/XX/XXXX Recent Payment Amount $ XXXX  Monthly Payment {$0.00} Credit Limit - Highest Balance {$12000.00} Terms 1 Months On Record UntilXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I pulled my consumer report and noticed several non mailable addresses. To ensure I receive all mail from the United Postal Services, heres my corrected address XXXX XXXX XXXX XXXX, TX XXXX. 

My name should also read XXXX XXXX, ( XXXX ) XXXX XXXX, and XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX 

Remove any and all other information to relinquish all identity theft claims, including the information tied to these accounts as the information you are reporting are not mine. I have mailed this information to them XX/XX/XXXX with no avail. 







15 U.S. Code 1681 - Congressional findings and statement of purpose U.S. Code Notes prev | next ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive been a victim of identity theft.. Ive sent in numerous FTC reports and 605b to XXXX Transunion & XXXX XXXX XXXX has blocked/deleted all fraudulent information from my account. For some reason XXXX and Transunion says its been verified. Per fcra only true and accurate information should be reporting to my account. Per fcra 605b information should be blocked from my report with 4 days. But Transunion and XXXX  are ignoring the rules/ laws of fcra. It seems as if I will have to consult legal counsel.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Equifax Failure to remove XXXX information from my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

Outsource Receivables is reporting an erroneous debt on my credit file and it must be removed. I have requested for validation multiple times and never got back. In my letter I stated for proof that they have any legal binding on me to pay them for this debt and I never heard back. I clearly stated that if this account is not validated to me it must be removed in 30 days. I do not need them to verify this debt to me, but to validate that I have some contractual binding me to pay them for this debt. Reporting invalidated information on credit could constitute fraud under both federal and state laws and I will not hesitate to bring legal action against you. I am also aware that during this time period I have 60 days to investigate the matter, while the matter is under investigation you may not report information on my credit file. If you continue to report any negative or derogatory information on my credit, I will file legal suite .
Product: Checking or savings account

Complaint pertains to Capital One treat me unfairly and behaving in a deceptive manner to their advantage. 

I have been a Capital One Savings account holder since they were ING Direct. 

I have 4 accounts : 360 Savings and XXXX XXXXXXXX XXXX with significant balances ( XXXX figure average balance ). The interest rate is held at 0.3 % and 0.8 % respectively. 

Sometime in XXXX, Capital One got rid of these 2 banking products and replaced them with " XXXX XXXX XXXX '' which current has a yield of 2.2 %. I noticed on XX/XX/XXXX that the yields on my accounts were under-performing and then with some research not in line with advertised rates. I called the client desk on XXXX and got a gentlemen who told me " it was no problem i can just open a new account and move the money over ''. 

These old products remained at the old rates and were not updated to reflect the newer rates available. The old products were left in place for existing customers and not moved across. Meanwhile Capital One had been marketing for new money ( new clients ) without marketing to old clients that their products were defunct and the rates would remain low. I did further research and took some screenshots to evidence this. 

I spoke to Customer Service on XX/XX/XXXX and discussed in detail the concept of treating clients unfairly. Of primary concern : neither of the 2 people i spoke with were aware of Reg DD, TISA ( Truth in Savings Act ) or UDAAP. After a 10 minute hold, i was informed that my account had a marketing exclusion so there fore i was not to be told that my product was going away and that my money would be left sitting in account that would not be updated to reflect market rates or offerings. Additionally, old accounts were not to be moved across they were to be left in place until the client actioned a request to open a new account. In the attachment provided, i have moved most of my balances out of Capital One this week and will move the rest tomorrow A couple of concerns here : - Marketing exclusions relate to new products/offering, but surely the bank still has a responsibility to inform clients of changes to their product such as it being made defunct? 
- how many Capital One customers currently are making below average returns on their savings because Capital One has left them in an old savings product that isn't yielding properly and the bank hasnt told them? 
- How much money has Capital One made in the difference between its investment of this money and the poor interest rate paid to these clients?. 
- Is it fair to market to new clients/new money an enhanced rate and quietly leave your old clients in under-performing products?
Product: Mortgage

Unbeknownst to me my original mortgage company, XXXX, turned servicing of my loan over to " Myloancare.com During the transition the last half property taxes were not paid. 
The new loan company apparently paid them and assumed that the tax rate had doubled and added more than 200 dollars per month to my payment. The taxes have not changed. 
I sent them copies of the XXXX County Ohio tax records that show the correct payment but I've had no response other than from their collection department. I have paid the actual amount of the payment due and told them, via email, that I would reimburse them for the taxes they paid or assume the escrow account on my own but no response. On my initial call I asked if I would be reimbursed the overpayment once they figured out their error and they said no. Now the only contact I have from them is threatening to foreclose on my property.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts were reported as accurate and verified. They will not tell me how they verified these accounts what information they obtained. I would like them deleted because I have no knowledge of these accounts and they are inaccurate.XXXX Report#XXXXXXXX XXXX XXXXXXXX,TX XXXXXXXX XXXX XXXX file#XXXXXXXX XXXX XXXXXXXX,PA XXXXEquifaxXXXX XXXX XXXXXXXX,GA XXXXXXXX XXXX account#XXXX Charge off balance $XXXXXXXX account#XXXX  charge off balance $XXXXXXXX/XXXX account#XXXX  charge off balance $XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act this creditor has violated my rights.

15USC1681 section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S. Code 1681a - Definitions ; rules of construction - Exclusions. - Except as provided in paragraph the term consumer report does not include - any report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

15 USC 1681a ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Is reporting that I owe {$280.00} acc # XXXX and {$490.00} acc # XXXX The accounts show that the account was opened XX/XX/XXXX, and the other XX/XX/XXXX which is incorrect, It was requested that proof and validity of debt was provided, and sufficient evidence was not provided
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out and disputed with equifax, XXXX, and XXXX  about these accounts on my credit report with XXXX these accounts should be removed. XXXX XXXX is showing a balance of XXXX opened date X/2012 this information is not accurate and should be removed. There are open collections that were removed and recently added and that is against the law, was not notified. Those accounts are with XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX. I do not have any signed contracts with these companies. Therefore, unless you can provide me documentation from these companies with my signature they need to be removed as they once were before. XXXX XXXX is a closed account as well that was deleted about 1.5 yrs ago and has resurfaced. I have filed a police report on the inquiries that I did not authorize. I have tried to contact bureau but they keep telling me contact company. The company tells me to contact the bureau. I have not applied for or authorized use of my report in the last 2.5 years. Inquiries listed below. 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 Some of these companies have more than 1 inquiry. Someone had accessed my file why would I apply 5 times with same company in less than 6 months? I have disputed this several times with no results from them. Please help, I didnt file a bankruptcy to have the same things on credit or to be a victim of identity theft and be held responsible. My next step will be filing a lawsuit. Thank you.
Product: Debt collection

NATIONAL CREDIT SYSTEMS XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX NATLCRSYS ( Original Creditor : XXXX XXXX XXXX XXXX  ) - XXXX is currently reporting a unverified account on all XXXX of my credit reports and is obviously re-aged. 
I have never heard of this company before and they are demanding money in the amount exceeding {$6000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. XXXX XXXX {$0.00}
Product: Debt collection

I recently moved and was trying to open a new utilities account. At that time they advised me I had a defaulted bill and that I would have to pay hundreds of dollars to open an account because of this. Of course, I was extremely shocked and upset to find out that there is a debit on my record from XXXX ; an old account that I had closed YEARS ago! I was not aware that my old XXXX XXXX account had gone into collections. I had paid the account in full, after cancelling it and moving. Now years after the fact, I find out that the old account is in collections. For monies I DO NOT owe them! After all these years, they never tried to contact me whatsoever!
Product: Payday loan, title loan, personal loan, or advance loan

This is the second complaint here is the original complaint- I called to do a payoff over the phone on XX/XX/year>. I was quoted a payoff, and I paid the full amount I was told to pay plus a {$5.00} transaction fee because they don't let you do a payoff through the online system. I received a confirmation number from the gentleman as well as an email. A few weeks goes by, and I get a bill from XXXX  in the mail with a balance of {$24.00} I called, and they said they had to listen to the conversation in order to know what happened. I get a call back XXXX hours later from XXXX the customer service XXXX and he said I apologized and said he listened to the call, and I was in fact quoted the wrong amount, but I needed to pay the XXXX  days of interest in order to get the account closed and there is no other way around it. I reiterated that he said I was quoted the wrong amount, and I have to pay for someone else not correctly processing the payoff. He said the payment was made incorrectly and yes, I needed to pay the remainder of the amount if I wanted to close the acct. This is extremely unfair practice. I am having to pay for someone else 's mistake. XXXX said I listened to the entire conversation, and you were given incorrect information but there is nothing we can do about it. 

On XX/XX/XXXX I got my money back and a response from XXXX saying they were going to refund the {$25.00} then today XX/XX/year> I get a letter in the mail with a balance of {$26.00} from XXXX. I went online and sure enough the reopened the account and are also reporting it on my credit. This account was supposed to be closed in XXXX when I first paid it off.
Product: Mortgage

Attached is the notice of default and intent to accelrate. As you can see with the attached document, I've not missed a payment ever. The interest charges and all fees will be paid when all principal has been paid, which is what the laws of the USA state. 

Their licenses should be revoked for continue to remove elderly people from their homes. I am XXXX yrs old.