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

I sent letters to the Credit Bureaus to remove the inaccurate information that are found on my report. But still those inaccurate information are constantly reporting on my report. That means the Bureau has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. REMOVE THESE FOLLOWING INFORMATION and INQUIRIES COMPLETELY FROM MY CREDIT REPORT : Inquiries : XXXXXXXX XXXX XXXX Date of Inquiry XX/XX/2020 XXXX  Date of Inquiry XX/XX/2020 XXXXXXXX XXXX XXXX Date of Inquiry XX/XX/2020 XXXX XXXX XXXX Date of Inquiry XX/XX/20XXXX XXXX XXXX Date of XXXX XX/XX/202XXXX XXXX XXXX  Date of Inquiry XX/XX/2020 XXXX XXXX Date of Inquiry XX/XX/2020 XXXX XXXX Date of Inquiry XX/XX/2020 NAME : XXXX XXXX CURRENT ADDRESS : XXXX XXXX XXXX XXXX XXXX, AZ XXXX PREVIOUS ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX EMPLOYER : XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX violated my consumer rights. 

15 USC 1666b : timing of payments says, a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose so XXXX has violated this law because this late payment is reporting on XXXX and TransUnion. 

15 USC 1681a ( 4 ) says, 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 so XXXX has violated this law because this late payment reporting on XXXX and TransUnion is a violation of my right to privacy because I didnt give them permission to report it publicly. 

15 USC 1681a ( 2 ) ( a ) ( i ) says, The term consumer report does not include transactions or experiences between the consumer and the person making the report so XXXX has violated this law because they furnished this EXPERIENCE to XXXX and TransUnion and XXXX didnt give them permission to do so.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a particular account that is stating that I owe {$10000.00} and it is listed on my credit report. I reached out to them via mail on several occasions for validation and I have yet to receive a response. 

I recently reviewed my credit report and it says that the account is still opened.
Product: Mortgage

XX/XX/XXXX, I was finally able to obtain a XXXX XXXX XXXX that both XXXX  and Nationstar refused to ever provide me with to prove the necessity to charge me for XXXX late fees when at XXXX I was only aware of XXXX loan payments having ever been subject to late fees while XXXX serviced my loan. _________________ XX/XX/XXXX I called XXXX to seek information about a reversed XX/XX/XXXX loan payment made within a larger payment XX/XX/XXXX, to which without my knowledge from XXXX to XXXX was reversed by XXXX. It appears Nationstar then their XXXX and beyond legal counsel both knew of this reversed payment and never mentioned it to me while I fought to seek the cause of an alleged missed XX/XX/XXXX payment at Nationstar I paid in full on XX/XX/XXXX. During this recorded call with XXXX, which I have noticed XXXX  to retain all calls, servicing notes and other documents related to their loan XXXX - at XXXX minutes and XXXX seconds, XXXX claimed a payment made XX/XX/XXXX was the returned and reversed payment, yet this XX/XX/XXXX loan payment was not ever recorded to be reversed and so it appears because the XX/XX/XXXX loan payment was never recorded, XXXX chose to reverse my paid and cleared XX/XX/XXXX loan payment. The reversal was for a never recorded XX/XX/XXXX loan payment not for XX/XX/XXXX or XX/XX/XXXX. When I made my XX/XX/XXXX and XX/XX/XXXX loan payments together on XX/XX/XXXX, XXXX materially misrepresented them as paid for XXXX and XXXX inaccurately. ____________________________ Neither Nationstar nor XXXX  will accurately reassess the loan payments months to which they were all inaccurately allocated for 50 months from XX/XX/XXXX to XX/XX/XXXX ( a payment Nationstar claims was never made. ) XXXX XXXX of XXXX and XXXX XXXX for Nationstar both are actively concealing the payment reversal was meant for XXXX not XX/XX/XXXX or XX/XX/XXXX, and that the XX/XX/XXXX loan payment made for XXXX and XXXX are inaccurately claimed as XXXX and XXXX, because they each have the same servicing notes as XXXX did when he contemporaneously read them to me XX/XX/XXXX, while I was being lied to by XXXX XXXX for Nationstar and XXXX XXXX of the XXXX XXXX Department making all of the XXXX payments following all credited to the month before each payment was meant and intended for.
Product: Mortgage

I had a XXXX Mortgage XXXX from Chase XXXX. I sold the house and closing was done on XX/XX/2018. I had an escrow account for the XXXX Mortgage XXXX and there is a duplication of payment on XXXX XXXX taxes. I have been trying to get a refund from Chase XXXX and made numerous calls to Chase Mortgage but not getting results. 


Chase Mortgage Account No : XXXX FHA Case No : XXXX XXXX Had I been late on my monthly mortgage payment, Chase Mortgage would have charge a late fee and additional interest.
Product: Credit card

On XXXX/XXXX/15, I logged into the online financial service that TD Bank has made available for payments. I noted that my account had been debited for {$25.00} on XXXX/XXXX/15. I contacted TD Bank customer service via telephone and spoke with XXXX, employee # XXXX, on XXXX/XXXX/15. XXXX indicated that because my due date fell on a weekend, Sunday, XXXX/XXXX/15 and I had not made a payment prior to close of business on the preceding Friday, XXXX/XXXX/15, that my account was automatically charged a late fee of {$25.00}. They did explain that the late fee was not valid and would automatically be reversed if I make a payment by the due date. However, my account still exhibits a notation that my payment was late and notates a late fee even though my payment was made and credited to my account prior to the due date. Neither the card holder terms and conditions, or the online service terms and conditions make customers aware of this practice. More poignantly the card holder terms and conditions and the online service terms and conditions provide that payments made by XXXX on weekends and federal holidays will be credited to the account the next business day and that payment shall not be treated as late, at least as it applies to mailed payments. I expressed my concerns about this practice of preemptively charging customers late fees to XXXX, to which he replied, " that is just the way the system is set up. '' I explained my intent to file a compliant with a regulatory agency if the practice was not addressed, but XXXX was not moved by this. Although these entries as " late '' are not reported to credit reporting agencies, as far as I know, the bank is still knowingly making false entries on customer accounts regarding their payment punctuality. The practice of preemptively charging customers late fees, with or without the intent to automatically reverse the charges, is inconsistent with what is fair, reasonable and in keeping with the card holder terms and conditions intent of the application of payments. Records of late payment should only be made when a customer does not pay within the the terms and conditions as outlined in the card holder terms and conditions. I have conducted a review of my account and found that this is not the first instance of this event.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit bureaus are reporting erroneous information on my credit file
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. Under 15 U.S. Code 1681e { b ] Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i [ 5 ] Treatment of inaccurate or unverifiable information [ A ] In general if, after any reinvestigation under paragraph [ 1 ] of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- [ i ] promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and [ ii ] promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Please remove the following items from my credit report, immediately : XXXX XXXXXXXX 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: Credit reporting or other personal consumer reports

Im resubmitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report.

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit card or prepaid card

This is about an unauthorized charge. We have neither ordered or received any goods or services from this merchant, not now and not ever. We do not know who they are, nor have we ever done business with anyone from XXXX. 
Despite correspondence Capital One has not been able to even inform us details about the merchant other than 'XXXX XXXX on the statement. They do not know where they are, what was purchased or who signed for it or where it was delivered. 
Calling Capital One I have been passed around different operators and after an hour was provided no resolution. 
There only offer is to re-issue the card with a different number which is anacceptable as it is disruptive to my business. 
I also tried to resolve this through XXXX  but Capital One was unhelpful
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX AND XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX 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 violates 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 XXXX AND XXXX to be removed. They are not in compliance with the following law. 15 USC 1666b 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. XXXX XXXX XXXX XXXX AND XXXX XXXX XXXX XXXX  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 or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/2022, I received a text from ( XXXX ) XXXX asking if I attempted a wire transfer of {$9800.00} reply yes or no. I replied no and received a call from the ( XXXX ) XXXX stating this is the Chase fraud dept. They said the account has been compromised and they need to stop the wire and create a new account number and close the current business account. I googled the number and it was confirmed that it was a Chase number. They supposedly created a new account number ( XXXX ) ordered me new checks and debit card. They created a wire transfer to credit the money back into my new account with my name on the wire.The wire of {$16000.00} went through to XXXX XXXX and then they said customer service will call me to set up the new account, username and password in a hour. After waiting an hour I called the same number back and Chase answered telling me it was fraud. They transferred me to the fraud dept and put a dispute action/recall on the wire at it was pending. I went down to my Chase branch and a claim was filed, business account was frozen, new checks and card was ordered. I filled out a " Statement of Fact '' form and faxed into the Chase claims dept. Chase sent a note on XX/XX/XXXX stating denying my claim so I called and had it opened the claim back up and I supplied more evidence that the perpetrators impersonated Chase 's phone number, hacked into the my account and used the alert text number. The second investigation was also denied and now the claim is escalated to the executive office pending review. I have never wired money or filed a claim with Chase. This should have been red flagged and sent me to the branch. Also, My Chase online account was hacked and along with the perpetrators disguising official Chase emails, text alerts and phone numbers.
Product: Credit reporting or other personal consumer reports

This is my another Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Debt collection

Pursuant to 18 USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 1681b 2. They also have no permission to report ANYTHING using my info pursuant to 15 USC 1681 4.
Product: Credit card or prepaid card

Pottery Barn posts on their website that you can receive a 10 % rewards ( effectively 10 % in gift funds ) for new Gold Rewards members when they apply for a Pottery Barn Visa through Capital One. However, Pottery Barn sets the credit limit at {$1000.00} which is below the purchase price of a large purchase, in my instance a {$2600.00} bed. So the website advertised a 10 % reward of {$260.00} but that reward isn't obtainable because of the low credit limit. I would never have applied for the credit card had this limit been disclosed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion continues to report old information and collections that were included in bankruptcy are still reported as open collections. The dispute functions on the website are not working and I was on hold on the phone for over 1/2 an hour, I could not wait longer. Transunion is used as part of an application process with XXXX and a recent application was dismissed entirely because of this foul report.
Product: Checking or savings account

Chase bank notified me of possible fraudulent activity relating to my debit card/checking account. I check to look at the activity and it indeed was not myself making the ATM withdrawals. I noticed that over {$4000.00} had been taken out. I opened a claim with them but they said that since I logged into my account during the time of fraud that it 's considering " monitoring '' the account so they will not honor my refund. I had the card with me the whole time and I confirmed with a chase representative that the withdrawals were made with a card that did n't have a chip ( i.e. Chase security failed me and someone duplicated my card and got my PIN ). Additionally I was not near any of the ATM 's during the time of withdrawls.
Product: Credit card or prepaid card

My XXXX XXXXXXXX let me know there was a credit card opened in my name, i never opened this specific capital one credit card.
Product: Credit reporting or other personal consumer reports

I have submitted a complaint with the three credit bureau well over XXXX  days ago and have yet to receive any correspondence back from them and this has caused me great hardship, i want to get this resolved asap so I can move on with my life...
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. I have not obtained possession of goods, services, or money as a result of the blocked transaction or transactions. Also, I have not authorized these transactions or authorized anyone to use my information to open these transactions.

This request has NOT been made in error, it is NOT a misrepresentation of material fact relevant to the request to block and I have NOT obtained possession of goods, services, or money as a result of the transaction issue.
Product: Checking or savings account

In XX/XX/XXXX, I made a purchase from a company called XXXX XXXX using PayPals guest checkout ( I do not have a XXXX account ) for {$330.00}. I never received the product, so I filed a dispute with Bank of America. 

I was told the dispute would take up to XXXX  days, pending a response from XXXX. Since then, Ive contacted both companies several times. XXXX confirmed the merchant accepted responsibility and ruled in my favor. I received an email from XXXX XXXX XXXX confirming this ( attached ). 

Despite this, Bank of America continues to claim they are still waiting on XXXX. I filed a BBB complaint, and a Bank of America XXXX ( XXXX from the XXXX XXXX XXXX. ) called me on XX/XX/XXXX and promised resolution by XX/XX/XXXX. That deadline has passed, and today I was told the timeline is now XXXX  days, which contradicts every prior communication. 

This is unacceptable. I am requesting the immediate release of my funds and resolution of this dispute. Attached is a screenshot of the XXXX communication proving the matter was resolved on their end.
Product: Payday loan, title loan, or personal loan

I bought the double door oven on XX/XX/2021 for {$2100.00} in XXXX XXXX store in XXXX Wa. They offered credit though American First Finance bank .When I was in store I didnt not received any contract on hand and they told me you will received by email. I did not received by email any contract and after 9 months of payments for {$350.00} so total amount that I paid already {$3200.00} I contacted American First Finance and asked why you charging my card if I already paid {$3200.00} they told me did you see contract I told I never received and my English is limited and I ask for translator but they told they dont have translator. Then they send me contract on XX/XX/2021 and it was the first time I saw contract on XX/XX/XXXX. I was surprised and really upset because I need to repay back not just XXXX but final amount will be {$8600.00} and I dont remember that I sigh anything electronically and if it was signed why I did not receive copy of contract in store.Why nobody explain in store that I need to repay in 100 days full amount plus early repayment fee. Why I did not receive contract in store when I can see all detail and I why when was asking for translator but never was provided. I need your help to solve this problem.
Product: Money transfer, virtual currency, or money service

About 6 months ago my girlfriend tried to transfer {$1000.00} from her checking account to mine through capital ones XXXX transfer service. ( Both capital one accounts ) The transactions usually take a day to go through so we waited and still no money. So we call in and get bounced around to different representatives for about a week untill they finally send us to someone with power to do something. This rep admitted to capital one having issues with this service and said he would look into it. Finally calls us back and says that have it figured out and that a check would come in the mail, but still nothing. We call again and now he says there was a issue and it was rejected. Now, when we call he is not in the office today and we call multiple times a week. I just want my money back that they stole/lost.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint encumbers XXXX, Experian, and XXXX. 
Date : XXXX - XXXX I need clarification on why creditors are able to receive updated consumer reports on their current customers. As the credit bureaus are behind and updating data from the creditors, this can be harmful to consumers. 

For example - XXXX XXXX has been my creditor for XXXX XXXX. They are able to access my credit file at any time. If I have not been behind on my paying all creditors, XXXX will reduced my credit line line due to the inquiries on the credit report up to and including increases on interest rates. The inquiries caused a credit score decrease and decreased my available credit. 

When the credit line was decreased, the credit line is closer to being maxed out which also had a negative impact on my XXXX  credit reports. The credit line is over extended and continues to be a domino effect as the other creditors follow suit. 

The XXXX  scores are designed to keep everyday consumers down. The XXXX  scores determines what subprime lending box the consumer will be put in, not include favorable terms for consumers.