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

This issue is related to my Macy 's credit card. I always pay all my Credit card balances on time but on my Macy 's credit card they have charged {$2.00} interest fee and I was not even aware of that. due that I got hit XXXX point on my XXXX XXXX which is totally wrong. I am planning to buy a home soon and due to this wrong charges my XXXX XXXX went down. XXXX The moment I got to know about the charges I have paid them immediately XXXX Please do the needful. 

Appreciate your support! 

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

My name is XXXX XXXX. I was alerted to a late pay added to my credit report from Capital One. The report states that payment is 150 days past due. I do not have any Capital One credit cards nor have I ever been a customer of theirs. Follows is the information I have from the offending account from my credit report ; Account Number xxxxxxxxxxxx XXXX Account Status OVER_120_DAYS_PAST_DUE Owner Account Type REVOLVING Creditor Classification Loan Type CREDIT_CARD Original Creditor Name Months Reviewed 16 Activity Designator Terms Frequency MONTHLY Term Duration Purchased From Sold To Balance and Amounts Balance {$4000.00} Credit Limit {$3500.00} High Credit {$4000.00} Available Credit $ XXXX Account Dates Date Opened XX/XX/XXXX Date Reported XX/XX/XXXX Date of Last Activity Date of First Delinquency XX/XX/XXXX I called Capital One to resolve the issue on XX/XX/XXXX at approximately XXXX XXXX, Central standard time. I first spoke to someone named XXXX. I was promptly disconnected. I called again and spoke to someone named XXXX. She could not find any account information with my name, social security number, date of birth, or telephone number. She transferred me to someone named XXXX at the Capital One Menards card application center. He also could not find an account with any of my personal information. He advised me to file a dispute with the credit bureaus. I pulled my credit report and called Capital One again with the last 4 digits of the offending account number as reflected on my credit report. Again I was put in contact with XXXX, who transferred me to someone named XXXX. She could not help and transferred me to someone named XXXX who apparently handles credit report disputes. He also was not able to find an account with any of my personal information. He was able to find the account listed on my credit report using the last 4 digits as belonging to XXXX XXXX. 
I served as executer of the late XXXX XXXX 's estate. I sent Capital One an insolvency letter, along with a copy of the death certificate back in XXXX of XXXX. 
The insolvency letter informed them that the proceeds from XXXX 's estate did not even cover funeral expenses, and there was no money left for creditors. This is the only contact I have ever had with Capital One before today. Capital One took it upon themselves to take my personal information from the insolvency letter and add it to this account as the responsible party for this debt and proceeded to report the account as delinquent on my personal credit report. I find it hard to believe that this was a simple error on their part, and seems much more malicious in nature as if done out of spite. I find this action to not only be extremely questionable, but also highly immoral, and clearly violates the Fair Credit Reporting Act. XXXX did removed my name from the account as it was clear that I am not the responsible party for this debt, but stated that he could not remove it from my credit report.
Product: Credit reporting or other personal consumer reports

As a federally protected consumer I have opted out of any consent I may have given, knowingly or unknowingly, written or verbal pursuant to 16 CFR Part 642. 



In XX/XX/year>, I called and notified that I was a victim of identity theft. I was instructed to submit a copy of the police report. I submitted my police report for identity theft and the items were removed, however, they were put back on my report. I called again regarding this issue in XXXX of XXXX  as well as to notify that my information had been part of the data breach. This reporting agency not only failed to protect my personal and financial information, but they continuously report inaccurate and false information, despite receiving documentation that refutes the report. 

This reporting agency failed to follow reasonable procedures to ensure the accuracy of my credit report, as required by 15 U.S.C. 1681e ( b ). This a direct violation of the FCRA and the Consumer Financial Protection Act. They have conducted sham investigations rather than properly reviewing the disputes as required by federal law. They have also refused to investigate hard inquiry disputes and ensure previously deleted tradelines are not improperly reinserted into a consumer 's file. 

This reporting agency has marked the disputed accounts as " disputed '' on my credit report. The derogatory remarks have caused me significant harm, including but not limited to : financial losses, denial for credit, extremely high interest rates, emotional distress, loss of business, loss of access to funding.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am a consumer-defined under 15 USC 1681a ( c ). I noticed a charge off XXXX XXXX XXXX XXXX on my consumer credit report. According to the XXXX, a charge-off is defined as a certificate of indebtedness, meaning it is income and must be removed. Why are you reporting INCOME on my consumer report? The law says it's illegal to report transaction history. If not removed, I will file legal action. In Good Faith With Prejudice XXXX XXXX XXXXXXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

ACCORDING TO 15 USC 1681 : I HAVE THE RIGHT TO PRIVACY AND I DID NOT GIVE EQUIFAX XXXX XXXX WRITTEN PERMISSION TO FURNISH THESE ACCOUNTS According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], During the investigation period, these items must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I am also requesting the names, addresses and telephone numbers of individuals you contacted during your investigation.

Please notify me that the above items have been deleted pursuant to 611 ( a ) ( 6 ) [ 15 USC 1681j ( a ) ( 6 ) ]. I am also requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report. Please remove the following accounts which were opened by fraud within 4 business days, per FCRA Section 605B ( a ) : I was the victim of identity theft which resulted in some accounts being opened in my name by fraud. I have filed a report with the Federal Trade Commission, and I also reported the issue to the companies where the accounts were opened. I am seeking your assistance with the following items : XXXX XXXX {$2500.00} XXXX XXXX XXXX XXXX {$1100.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XX/XX/XXXX DEPT OF EDUCATION {$1200.00} XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a dispute in regards to the incorrect items on my credit report. it has been well over 30 days and I haven't received any investigation results.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent in documents in regards to inaccurate information being reported on my credit report. These documents were sent in XX/XX/XXXX. I have not received any correspondence into an investigation from Transunion or XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to say there has been a violation of 15 U.S code 1681b, which states " a consumer reporting agency may furnish a consumer report under the following circumstance and no other ; In accordance with the written instructions of the consumer to whom it relates '' which I never gave. I checked my credit report and found items that were being reported inaccurate and false. There has been another violation of 15 U.S code 1681c, which states " This subchapter clearly states no consumer reporting agency may make any consumer report containing any of the following items of information ; accounts placed for collections '' which is inaccurate and being reported anyways. A third violation of 15 U.S code 1681e says " Every consumer reporting agency shall make a reasonable effort to verify the identity of a new prospective user and the uses certified by such prospective user prior to furnishing such user consumer report '' which never took place. These items being reported are causing actual damages and causing me to be denied things needed to provide for my children and household. They have been put on notice with a notarized dispute letter via certified mail
Product: Credit reporting, credit repair services, or other personal consumer reports

My pleasure. My name is XXXX XXXX yesterday. I 'm. See into my credit report. My name is error. In my name to. my social is XXXX in my is XXXX incorrect.. Please help me XXXX blessing
Product: Mortgage

I need to know and for tax accounting I need to know the money that goes into my escrow and the amount that goes out of my escrow and where the goes to. 

Please note I have 3 Properties. 

I have 3 mortgage loans with Carrington Mortgage and have requested since XX/XX/XXXX ( today is XX/XX/XXXX ) a digest of XX/XX/XXXX payments into my account and out of my account. They referred me to research - I have faxed, written ( research does not take calls ). I call  and get referred to research, who does not respond. So I mail and fax my request to research. At this time 5 faxes. 

Today I got a call from Carrington and returned it as per the voicemail instructions. After 15 minutes of going through the process, I got a person. Explained, yet again, that I needed to know when payments were made out of my escrow account, to whom were the payments made. He said Carrington does not do this. 

This is completely unacceptable that a company can take my escrow money and make payments out, and not disclose for what and/or to whom the payments were made. Plus, the time and energy I have spent trying to get this simple information is not acceptable. I need to balance my escrows for tax purposes and need this information.
Product: Credit reporting or other personal consumer reports

I am writing to express my profound frustration and disappointment regarding the ongoing issue of late open accounts on my credit report. Despite my persistent efforts and many attempts to rectify the situation, these inaccuracies persist, prompting this fifteenth follow-up. 

I have diligently submitted disputes to your agency concerning the inaccurately reported late open accounts. Each time, I have provided extensive documentation and evidence supporting my claims of inaccuracies. However, despite my unwavering persistence and continued submission of evidence, these late open accounts persist on my credit report, damaging my creditworthiness and financial standing. 

Furthermore, I request transparent communication throughout the resolution process and regular updates on the progress of the investigation into these late open accounts. It is crucial to restore confidence in the accuracy and reliability of information reported on credit reports. With this, I am asking for your assistance to correct these accounts in my credit file : 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

PNC bank does not allow my account to be linked with my XXXX account making it virtually impossible to use XXXX for investing. No-one can tell me why, it's " just not possible at this time ''. I'd love to use XXXX  to invest and trade, I'd love to keep my business with PNC, this is the first real issue I've had and don't understand why it's not possible. I'm no banker, but it seems like it's simple and reasonable to want this to be available.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted XXXX to ask that this account be removed since it's been settled and is damaging to my report. I have no got a response as of yet from this company.
Product: Credit reporting or other personal consumer reports

I noticed unauthorized inquiries on my credit report today, which is incredibly frustrating because I cant figure out why theyre there. I routinely check my credit report, and this time I was shocked to find discrepancies. Even after refreshing the browser, the unauthorized inquiries persisted. Im requesting an urgent review of the documents Ive sent to resolve this issue and put my mind at ease.
Product: Credit card

I have a Navy Federal Credit Card. Which I 've had for almost two years now. I apll applied for a credit line increase in the fall of last year and was denied. 
I applied again two weeks ago and was denied again. According to Navy federal I was denied due too excessive credit obligations and delinquent past or present credit obligations with Navy Federal. According to Navy Federal I was 11 days late in XXXX 2016 and 4 days past due XXXX 2016. I explained to the customer service rep. that I had more debt, a lower beacon score and a lower income when I was first approved for this card and I could n't understand why Navy Federal Kept denying me an increase I was even fresh off a BK chapter XXXX when I first got this card. I asked the customer service rep. how could this happen and she could not explain why.
Product: Mortgage

my client needs help getting the payoff on her 1st mortgage. the loan is delinquent and is part of a short sale and we can not get the lender to provide us payoff figures so we can get the sale closed
Product: Credit reporting, credit repair services, or other personal consumer reports

3 Fraudulent Accounts from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX {$20000.00} Opened XX/XX/XXXX {$9000.00} Opened XX/XX/XXXX {$2100.00} Opened XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I was a victim of identity theft for some reason they will not delete this XXXX XXXX  account off my credit report according to the 15 USC 1682 law, there should not be any damages on my report is a defamation to my character as a credit consumer
Product: Bank account or service

Plain and simple : Scottrade has enormous hidden fees and cost me over {$200.00}. 

I opened an account with Scottrade a while ago and the branch manager that assisted in the account opening pretty much swore that the only fees are the {$7.00} per trade. Well that could not be more false. The additional and hidden fees at Scottrade are enormous and Scottrade does charge more than {$7.00} per trade. 

What is most worrisome is that Scottrade could not explain each one of these fees for me and instead repeatedly asked me to call the national center for advice. The national center could not answer them either, only stated that they would get back to me within a week. 

Well, it has been a week and I have still not heard of any explanation to the fees and whether I will get any reimbursement to my account. My advice to others, do n't be a victim of this company and take your money elsewhere.
Product: Checking or savings account

I am filing a complaint with CFPB regarding capital ones failure to deposit my direct deposit from my employer and any other deposits. Capital one has sited technical issues, which may violate the Electronic Funds Transfer Act ( EFTA ) as it requires timely access to funds. This situation raises concern about consumer protection laws, and I request your assistance in investigating this matter to ensure my rights are upheld. Thank you!
Product: Debt collection

I contacted the company to inform them that I was unaware of the charges on my credit report and am sending a cease and desist letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went on the XXXX XXXX website to look for other card options, they told me I could look at the cards and a soft pull not inquiry, the inquiry was there showing hard credit pull, but I didn't apply. 
These are bait and switch opportunities for the company and it affected my credit scores, I have a copy of that with experian. 
credit scores are affected now by BLINKING so these private companies can make money off you.
Product: Vehicle loan or lease

i called westlake financial regarding monthly payment thier charging me {$80.00} for being 2 days late they said they can only try to help waiving XXXX but i will still need to pay XXXX in late fees for 2 days late im in a financial hardship and can not afford the extra fees that they are wanting.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion always reports incorrect information. They need to be closed down. 
High descrepency between XXXX  and XXXX and Trans Union. Trans Union seems corrupt. We need to get rid of these practices in the USA
Product: Mortgage

I was not able to check more then one complaint above but not only do i have had a issue with closing on mortgage but i have a complaint about the applying for the mortgage section box and the trouble during payment process box so i reached out to the owner of XXXX XXXX ( XXXX XXXX ) and he called me back and sounded surprised of the many complaints and requested i send a timeline of my complaints so he could investigate my file and promised he would call back in two day and a week later i reached back out to him and told him i was finally able to fix the credit issue and then his assistance called me and said they were glad i was able to get XXXX to fix the negative credit reporting they did nothing wrong and sometimes that happens and asked me if i was satisfied and i said no i want honest answers and understating of the many loan changes and the strong arm tactics used during my loan i truly feel they prayed on my bad credit and being a first time home buyer never having been threw a loan process of this magnitude and now looking back and trying to find a way of not feeling so violated by the games and tactics used by XXXX XXXX and who knows may have broken some federal or state laws ( but i'm  no lawyer i'm just a simple consumer ) and after being disregarded of my complaint i feel like i have duty to report my complaint and hope i can finally be heard and i can get some clear answers and hopefully prevent this from happening to some other poor soul and unexpecting consumer and all my dates, the full complaint, and the details of my loan and the evidence the proof and also i will add the complaint i have just filed with arizona department of financial institutions
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I recently checked my personal credit report and I noticed an unauthorized inquiry had been made. 
The unauthorized inquiries are listed below, and I have also highlighted them on the enclosed copy of my credit report. 

I am a victim of Identity theft, and I did not make or authorize this inquiry. I am requesting that the inquiry be removed, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Reporting Act, If someone has requested my report illegally, The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry from XXXX. 


1. Company Name : XXXX Inquiry Date : XX/XX/2019 -Unauthorized inquiry by Identity Theft 2.  Company Name : XXXX Inquiry Date : XX/XX/2019 -Unauthorized inquiry by Identity Theft 3.  Company Name : XXXX XXXX XXXX Inquiry Date : XX/XX/2019 -Unauthorized inquiry by Identity Theft
Product: Debt collection

I receive a letter in the mail on XX/XX/XXXX with no name from sender on envelop but read XXXX XXXX XXXX XXXX, XXXX, XXXX XXXXXXXX and contained the following with header Bursey & Associates , P.C . ; ( a ) 3 pages with : Writ of Garnishment of earnings and summons ( b ) 2 pages with : initial Notice to Judgement Debtor ( c ) 2 pages with : Request for hearing on garnishment ( earnings ) I have not been properly served by said company XXXX XXXX XXXX XXXX XXXX 
The default judgement '' requested is for {$2900.00} plus interest at 8.75 %, and Bursey & Associates, however, the Writ of Garnishment of earnings and summons has a request for judgment in the amount of {$3500.00} plus interest at 8.75 %, I have never signed, agreed owing nor into paying a debt to XXXX XXXX XXXX XXXX XXXX a collection agency in which I have not been given the opportunity to obtain the validity of this debt from this agency. I submitted a complaint with the credit agencies ; XXXX, XXXX and XXXX. I also went to " XXXX XXXX XXXX '' in XXXXXXXX XXXX on XX/XX/XXXX to attempt to dispute and request a hearing for the validity of this complaint. The gentleman that assisted me provided me a copy of " Complaint, Breach of contract '' that this agency filed. I asked how could the judge and court approve this judgment without the proper proof of service, he stated that it was posted to the door where I reside. I requested a garnishment hearing which will be held today XXXX XXXX, in addition i requested a " motion to set aside and vacate '' due to the insufficient evidence that this said debt is owed to XXXX XXXX XXXX XXXX XXXX A certified copy was mailed with proof receipt with a signature was mailed to the attorney Bursey & Associates , P.C., I have received verification that they received the notice on XX/XX/XXXX @ XXXX. In addition, I have received a notice from my employer that they are going to garnish 25 % of my checks this will result in a massive hardship as I am struggling to make ends meet with my full paycheck. I ask that you please look into this as I am sure I am not the only person going thru this unjust situation. Thank you in advance for you time and assistance.
Product: Credit card or prepaid card

I opened a credit card with Capital One and paid {$390.00} annual fee after obtaining about XXXX points abruptly Capital One closed my account without any apparent reason and cash out all my points about half of the value Week later I received a generic later with vague explanation of why they closed the account I just want to know the specific reason the account was closed and why I did not receive the full amount of my points earned Thank you for your help! 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX