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

Several items on my credit report do not belong to me. I do not recognize them ; I had to file an identity theft report due to unauthorized accounts and charges on my credit report dating back a few years. I have tried to contact the creditors and the companies on several occasions. They have not removed or tried helping me at ALL. I can't do anything, and it has ruined my life up to this point. I need help. These Ceridtiors are not trying to help and keep giving me the runaround. Here is a List of items. Someone or multiple someone using my identity have managed to rack up. It shows on my report that one of my addresses is in NEVADA. I have never lived in Nevada, XXXX XXXX, or anywhere. I have only lived in one state and it's south. Please HELP XXXX XXXX : OPENED on XX/XX/XXXX. They marked it over 120 days late. {$700.00} XXXX Bank : Opened on XX/XX/XXXX Collection/Chargeoff {$2500.00} XXXX Opened on XX/XX/XXXX Collections/Chargeoff {$460.00} XXXX XXXX : Opened on XX/XX/XXXX marked a Derogatory {$450.00} XXXX  Opened on XX/XX/XXXX {$380.00} XXXX XXXX XXXX Opened XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX collections/ Charge off {$170.00} XXXX XX/XX/XXXX Collection/Charge off {$940.00} XXXX XXXX XX/XX/XXXX Collection/Chargeoff XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX Experian & XXXX responded to my dispute to this public record being reported on my credit report stating it was verified accurate by primary creditor is bankruptcy court. So on XXXX XXXX I wrote us bankruptcy court asking them to verify this information. In which on XXXX is bankruptcy court responded they do not report to the credit bureaus. This is a Violated Of My FCRA 611 ( 15 U.S.C 1681 ) This Information must be Removed!

Attached is my letter along with us Bankruptcy court response
Product: Credit reporting or other personal consumer reports

My account with the company and i was never late! I have had exceptional payment history with this company and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violate

s USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in MONTHS REPORTING LATE to be removed They are not in compliance with the following law. 15 USC 1666
b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( 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, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

This company never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

This account with XXXX XXXX XXXX was paid satisfied in XX/XX/2018, it is showing up on Equifax and XXXX XXXX as a derogatory CHARGE OFF. It was never a charge off and my payments prior to settlement were on time. I verified this with the Company but they have not changed the credit bureaus status.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX received my payment of {$1400.00} on XX/XX/2018. XXXX   has investigated and has updated my credit report and credit score. 

TransUnion and XXXX has not been updated by XXXX. Disputes were submitted, but results aren't complete. XXXX is refusing to report my payment to the credit bureaus.
Product: Mortgage

I canceled my auto pay option for my Dovenmuehle mortgage on XX/XX/18. Then i manually paid my mortgage on XX/XX/18. On XX/XX/18 the auto-pay tried to take the money out of my account anyway and the payment was declined. XXXX gave me a XXXX dollar return fee even though I had paid my mortgage on time. When i called in to have the fee waived i was told that even though i made my mortgage payment on time that they would not consider waiving the fee unless i submitted a written letter to their review department. I feel like assigning an undisclosed fee to a customer without giving them ample opportunity to avoid the fee is deceptive and designed to profit off the customer without their consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously sent a dispute letters addressed to the Credit Reporting Agencies requesting that the Credit Bureaus update, correct the disputed erroneous accounts that are reporting inaccurate information on my Credit file. I have read that the Credit reporting Agencies are required to report accurate information and investigate and correct any accounts reporting erroneously. I am submitting this CFPB complaint to follow up the previous CFPB complaint I submitted 15 days ago complaining and requesting the same disputes. Also, according to the FCRA, 15USC 1681i, the Credit reporting Agencies are required to finish their investigation within 30 days and send me copies of the results of investigation. However, 3 months had passed and the Credit Bureaus have failed to send me copies of documents they are required to send me and claimed that the accounts are verified. This action by the Credit Bureaus is a clear violation of a consumer 's rights. I am requesting to the Credit Bureaus to please correct the following accounts from my Credit report : XXXX XXXX XXXX Balance : {$9100.00} XXXX XXXX XXXX Balance : {$52000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$790.00} ; XXXX XXXX XXXXXXXX Balance : {$100.00} ; XXXX XXXX XXXXXXXX Balance : {$11.00} ; XXXX XXXX XXXXXXXX Balance : {$310.00} ; XXXX XXXX XXXX Balance : {$2300.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX # XXXX is being reported on my Experian, XXXX, and XXXX  credit reports. This account is a fraudulent account and documentation has been sent to the reporting agencies stating that i was a victim of ID theft and that this account does not belong to me and should be immediately suppressed and blocked from my report. All agencies have stated the verified this belongs to me without providing any type of documentation that shows I opened the account and signed up for the accounts. This documentation was sent over to all agencies by me from XX/XX/XXXX to XX/XX/XXXX but they have yet to verify with documentation that they accounts belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to access my credit reports online using the Free XXXX XXXX XXXX  website on XX/XX/2021 and on XX/XX/2021. During XXXX all credit reporting agencies are required to provide weekly reports, yet Equifax denied my request both times stating that online delivery is unavailable to me. I have every right to access my credit report online, and I expect this issue to be resolved immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Contacted XXXX  XXXX XXXX credit card division that I was having trouble making my payment. Asked to speak to supervisors on each call ( six calls in total ) and all advised that if payment was made by statement cycle date of XX/XX/XXXX that account would not be reported 30 days derogatory to credit bureaus. Payment made on XX/XX/XXXX at XXXX central time and email confirmation received. Payment made via automated system and it states that payment will be made with posting date of XX/XX/XXXX but could take a few business days to reflect in balance. Manger phone call on XX/XX/XXXX left notes that state my concern about credit reporting and she said if payment made by the following day it would be okay. Manager notes on XX/XX/XXXX state that no negative credit reporting will be made. All five managers I spoke to advised if payment made by cycle date there would no negative credit reporting. Also XXXX statement does not even show transaction date of payment for XX/XX/XXXX but  XXXX  XXXX XXXX online account activity shows transaction date of XX/XX/XXXX. Please honor what all have told me and please remove the 30 day derogatory mark from my credit report. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am XXXX XXXX XXXX submitting this without any influence and this is not a third party. In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX 15 USC 1681 Section 602 A- States I have the right to privacy .

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

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

They called me in regards to an extremely old debt. They were very rude & aggressive & told me they were going to place a freeze on my bank accounts & garnish my wages in the amount of a XXXX figure even though the actual bill is around XXXX. I dont know if this company is legit but they had all of my information, including my full social security number. They called me on Wednesday XX/XX/19 from phone number XXXX but Im the voicemail, requested that I call back at XXXX.
Product: Credit reporting or other personal consumer reports

I have a charge off auto loan on my credit report. My original creditor was XXXX. I called XXXX to try and settle the debt. They said they no longer have it and was given to Recovery Remedies XXXX. The number I was given for them does not work. That number was ( XXXX ) XXXX. I looked up Recovery Remedies XXXX on the XXXX XXXX XXXX XXXX website and they list three numbers for them. Those numbers being one of them I just listed above and the other two are ( XXXX ) XXXX and ( XXXX ) XXXX. None of these numbers work either. Also, when talking to my original creditor ( XXXX ), they gave me another number to call. That number was XXXX ( XXXX ) XXXX. I called this number and they are called XXXX. I was able to speak to someone there but they pull nothing up with my personal information regarding any type of account. I'm just confused to why this debt is still on my credit report if I can't find the new creditor who has it, its like it vanished but is still affecting my credit report. I want it removed, seemingly I can't settle it. The reported balance on this account is {$8200.00}. I got this number off of my XXXX, it also says last reported XX/XX/year>. Where are they getting this info from if I can't get ahold or find anything on this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

See list of inquiries on my credit that I did not authorize and I know nothing about. 
XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

This morning, I noticed some incorrect accounts appearing on my credit report, and I have no clue why. I reviewed my report as I normally do, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Given this issue, I request a thorough review of the documents Ive submitted so I wont have to worry about this problem again.
Product: Credit card or prepaid card

On XX/XX/2022 my wallet was pickpocketed at XXXX in XXXX, XXXX Thieves immediately used my Barclay Credit Card to make a {$500.00} purchase at said XXXX XXXX I notified Barclay of the theft that day by phone to XXXX in customer service. I received a Barclay letter dated XX/XX/2022, attached. Subsequently I received a new card that was activated on XX/XX/2022. 
My XX/XX/2022 billing statement charged me for the {$500.00}. I called at XX/XX/2022 at XXXX, when customer service picked up they hung-up at XXXX. I called again and spoke with Relationship Manager XXXX XXXX her the XXXX Police case # XXXX. She transferred me to the Fraud Department at XXXX where I was again cut-off at XXXX. XXXX I called back speaking with XXXX in the Fraud Department , who informed me that the investigation was still on-going so the charge would not be removed until after they confirmed it was fraud. She insisted that I must pay the {$500.00} amount plus any interest or late charges due to that balance, even though it was still under investigation. 
I know better : payment would mean that I accept the theft amount as a XXXX XXXX purchase. 
XX/XX/2022 XXXX Police Department released their final report ( attached ). 
My XX/XX/2022 certified letter to Barclay ( attached ) explaining the theft with a copy of the police report and other attachments was received XX/XX/2022. 
My XX/XX/2022 billing statement still reflects the {$500.00} plus interest of {$11.00}. 
Now Barclay is telephoning and emailing at least every other day claiming I am past due, that I owe these charges, etc. 
XX/XX/2022 XXXX I spoke with XXXX, an Account Manager in the Debt Collection Department XXXX I explained the situation and asked for a contact number, name of a person, and address for Barclay Legal Department. He claimed there is no number ; no legal department. 
Hence, I am writing to CFPB for assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have send several letters to Trans Union credit about a bankruptcy on my credit report I havent received any response on how they received was able to obtain information.
Product: Credit card

After receiving faulty merchandise from a retailer ( XXXX " T.V. ) that does not work, filed a dispute with Capital One, my credit card company after numerous attempts to negotiate with the retailer. I have had XXXX conversations with Capital one regarding the dispute process and no XXXX have been the same. Capital One on XXXX XXXX credited my account back for the faulty product ( case # XXXX ) but when the retailer answered the dispute Capital One sent me a letter saying the charge ( {$620.00} ) would be placed back on my account because the T.V. transaction was a " face to face transaction '' according to the Capital One rep and therefore there was nothing they could do. By a face to face I assume they mean the retailer did not deliver the item but I was never made aware of nor was I offered a delivery service. When I brought this to the attention of the retailer his response was " they did n't have to tell me about the service ''.
Product: Checking or savings account

My husband and I had {$12000.00} in a CapitalOne 360 savings account in XXXX. This was our main savings account that held our main emergency and other long term savings. We thought this was Capital One 's best savings account. We put money into this account and grew it over the years to about {$110000.00} in XXXX. In XXXX of XXXX we were in the process of purchasing a house so we moved a large portion of our money from our CapitalOne 360 Savings account into our other bank account at XXXX XXXX XXXX XXXX XXXX XXXX. The teller at XXXX XXXX XXXX XXXX XXXX immediately told us about a Savings Plus account where we could earn a XXXX XXXX  interest rate on our money. 
A few months later we heard about the CFPB suing Capital One for not telling its customers about their better performing savings account 360 Performance. We realized we had not been getting the best deal with Capital One 's 360 Savings and we were extremely upset because we had another bank ( XXXX XXXX XXXX XXXXXXXX XXXX XXXX ) be upfront with us and tell us about a better savings account. We had wasted years of saving in a worse account. We were not given the chance to opt into the 360 Performance account because we already thought we were getting the best deal with our 360 account. We had no idea there was another account called 360 Performance. Capital One never told us about their other higher yield savings account 360 Performance. 
We could have Greatly benefited from the 360 Performance account. Why did no representatives from Capital One contact us to let us know about the 360 Performance account, especially when my other bank told us right away about a better savings account when we made a deposit?
Product: Mortgage

Freedom Mortgage became my provider in XX/XX/year>, and I called in to pay my mortgage on XX/XX/year>. They gave me confirmation that it was processed, however, the following month XXXX, I was sent a message saying it never went through. I called and spoke to management the day the message was sent, and they admitted to inputting the incorrect account number for my payment, and they said they would correct it, and it would not impact my credit. This has occurred XXXX out of the XXXX  months and yesterday XX/XX/year>, i received a hit on my credit even though the payment was made. 
I called to speak to management, spoke to Art # XXXX, and XXXX XXXX finally called me back XX/XX/year>. I asked her to please remove the post on my credit report ( especially since Freedom has admitted on the phone call that this was their fault in XXXX, XXXX, and XXXX. I received confirmation of my XXXX payment ( # XXXX ) ) and she responded that she would not remove it from my credit report. Too bad. That's not their fault. Find another way to pay bc it wasn't their fault. As someone in senior leadership, She was extremely rude, unprofessional, and incapable of making the wrong that Freedom Mortgage has done, right. Freedom Mortgage has mismanaged my payments XXXX out of the last XXXX  months, and engaged in fraudulent and unfair practices with their credit reporting, based on their own repeated mistakes. I've made payments each month, however Freedom has still applied the incorrect account number and now this has negatively impacted my credit.
Product: Checking or savings account

After my computer was hacked in May, I went into the PNC Bank branch in XXXX, Virginia, on XX/XX/XXXX to close my existing account and open a new one. The matter was handled by a PNC representative named XXXX XXXX. At the time, I also switched all of the automated monthly payments from my old account to my new one, including the payment of my monthly rent. 

The following month, when my rent came due, PNC did not issue payment, nor did the bank tell me that it was not issuing the automated payment. I didn't find out the payment was not made until after the final deadline for paying rent, when the apartment management company fined me about {$210.00}, even though I immediately took a check to them as soon as I found out. 

I then called PNC to find out why the payment was not made. I was transferred several times until I reached someone at the bank who told me that PNC uses an outside vendor to process automated payments. This person told me that the vendor had simply decided not to make the automated payment to the management company for my apartment because my old account had possibly been exposed. The vendor took this action even though I had specifically gone into PNC several weeks earlier and closed down the compromised checking account to prevent any fraudulent activity. At no time was I ever informed that PNC 's vendor had decided to not make the payment. When I asked the PNC representative to send me an email confirming what had happened, the representative said he wasn't allowed to. 

I went back into the XXXX branch PNC Bank and spoke with XXXX XXXX about the matter. I asked that I be reimbursed for the {$210.00} that I had been charged by the management company for a late rental payment. During the conversation, I later said that I would be satisfied if PNC simply reimbursed me for half the amount. PNC took the position that it was a third party vendor that declined the payment, so they were not responsible. It was nonsensical because as the customer, my banking relationship was with PNC, not a third party vendor. It was their internal decision as a company to outsource the processing of the automated payments. I of course had no idea that they outsourced this function, and had no control over it. And PNC on its website and through its online banking application of course presented the ability to make automated monthly payments as a service that the bank itself offered. 

I was never reimbursed or otherwise contacted by PNC on the matter.