23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I opened a account with Scrophony Bank on XX/XX/XXXX and made my initial deposit of {$1000.00} dollars via bank transfer from my account at XXXXXXXX XXXX XXXX  Was told the deposit should take 3-5 : Days to be available.On XX/XX/XXXX I received a email stating that my transfer service had been suspended. Then on XX/XX/XXXX I received an email stating that my transfer had completed. On XXXX  as well on XX/XX/XXXX and on XX/XX/XXXX and XX/XX/XXXX all times being told that my account is under review and no further info was available and it would take 30 to 60 days to review my account. How can they hold my money for no reason given to me. This is crazy and I wan na know how they can hold my money.
Product: Credit reporting or other personal consumer reports

Company : Equifax I submitted documentation to freeze both of my XXXX  children 's credit. After carefully reviewing the information on Equifax 's website, I gathered identical information for each child and sent XXXX packets of information ( one for each child ) in the same envelope via certified mail. I made sure to include a note that there were requests for XXXX children within the envelope and each child had their own packet. 
About 10 days later, I received confirmation that credit was frozen for XXXX of my children but a ) mind and their last name was spelled incorrectly on the confirmation letter and b ) I did not receive confirmation for my second XXXX  child. 

I called Equifax to find out what the status is of the second XXXX  child 's credit freeze and to confirm the name for the child with the successful credit freeze. 

The first customer service agent I spoke to informed me that I would have to resend the second child 's information because it " probably didn't have the right documentation ''. After I pushed back repeatedly and said that each child had the same documentation, I asked to be transferred to a supervisor. The supervisor continued to tell me repeatedly that I needed to send in new information and that they could not check on the name dispute. There was no effort to help my situation and the supervisor refused to transfer me to someone who could help. It was obvious I was dealing with a call center who had no insight into my situation or power to help me. It appears that I wasted a bunch of time carefully preparing these documents and I have no way to confirm if my child 's credit is frozen. 

I consider XXXX  credit freeze to be a scam for Equifax and am extremely disappointed.
Product: Vehicle loan or lease

We purchased a new Vehicle in XX/XX/XXXX and made our first Payment XX/XX/XXXX. We have a high interest rate so planned to pay extra to the principal as we could. The website for Avid acceptance states that to pay extra to the principal we just need to pay extra on the car payment and it will be applied to our principal balance. As the year has progressed I have kept track of my payments and the information posted on my statements. My base payment is {$320.00} monthly. XX/XX/XXXX I paid {$320.00} and from XXXX XXXX I paid {$350.00}, XXXX XXXX-XXXX XXXX  I paid {$400.00} each month. When I was reviewing my loan information in the hopes of refinancing for a lower interest rate my Principal balance did not seem to reflect any additional payments made. as I did the math to check if I was wrong, I found there is close to {$60.00} a month unaccounted for on any of my statements. 
When I called and spoke to a customer service representative at Avid Acceptance today he stated that my statement was generated on the XXXX or XXXX of the month and my payment was processed on the XXXX of the month, so, all those days between the statement and the payment I accrued interest which was taken out of the additional money I paid that was meant for principal. This money is not reflected anywhere on any of my statements and Directly opposes the policy listed on their website on how extra is to be paid to principal. When I asked why that 12-13 days of interest every month was not accounted for on my statements the customer service representative I spoke with only explained the same thing to me again. this cycle happened 4 times before I finally gave up trying to get a strait answer. 
Financially, I should be able to track every cent that I pay to this company with the statements they provide me, and It is clear that this is not occurring. Additionally, I have not had a statement generated in either XX/XX/XXXX or XX/XX/XXXX, according to the Customer Service representative that I spoke with this is because I am ahead of my payments?
Product: Credit card

On XX/XX/XXXX my Chase/XXXX credit card, open since XX/XX/XXXX, was transferred to XXXX, along with my specified {$13000.00} credit limit I worked to maintain. 
When applying for a new Chase card I was denied retaining my {$13000.00} credit limit even with a FICO score of XXXX, I guess because it transferred too, without notice to me and without my permission. I have always paid in full at the end of every month and have never been late so my record is remarkable. 
I do not plan to use a XXXX credit card at all or ever. 
I want restoration of my {$13000.00} credit limit to a Chase bank credit card, without XXXX, and with no penalty to my credit score or my credit standing. 
I have good reason to believe that XXXX is disclosing my personal information without them requesting proper identification from a phone caller or identifying themselves. 
This is most unfortunate and causes me personal identity concern and I feel I am " caught in the web '' of this transfer, XXXX divesting or whatever they choose to call it. The only notices have come from Chase, which has shown consideration, and nothing from either XXXX or XXXX at all.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately. I had one late payment on an account that I was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments I have attached a copy of my report to this complaint on the following date XX/XX/year> I'm now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action.
Product: Mortgage

got first modification XX/XX/XXXX, paid all payments on time. down payment was XXXX.
and three trail payments. had to prove by copies of canceled checks. stole third trail payment to apply to bogus XXXX. down payment, I said what? not part of my modification show where, what, partial answer its a down payment, I said show me where that XXXX. down payment came from as it was not part of my modification, never got an answer, they are to answer in 20 days, 6 years not resolved.
2nd modification no interest rate, no dollar figure paid by wire 11 payments, returned 11th payment.by taking third trail payment and applying to who knows where, to a fraudulent down payment, making all further payments 30 plus days late, before I even knew about XXXX. fraudulent down payment. I only found out I was late as I tried to do automatic payments online and was declined due to being late on payments, never late! Since they made all the mistakes, I should not be penilized. I want them to honor my first mortgage modification as most of the paperwork they sent re : Senator XXXX XXXX office, XXXX, 2017 said they can not help individuals, just the people, I 'm one of the people.
XXXX XXXX, Ocwen Loan Servicing llc, if their was any oversight this issue would have been taken care of 6 years ago
Product: Credit reporting or other personal consumer reports

In XX/XX/XXXX, my direct consolidated loans ( one subsidized, one unsubsidized ) were forgiven the remaining debt after reaching 120 qualified payments. In XX/XX/XXXX, my XXXX XXXX  ( one subsidized, one unsubsidized ) were forgiven the remaining debt after reaching 120 qualified payments. The accounts were closed on my credit report in XXXX XXXX XXXX after I filed a dispute resulting from Mohela not reporting the closed accounts. The total amount forgiven from the XXXX loans was approximately {$240000.00}. In XX/XX/XXXX, Mohela reported a single open installment account for the forgiven amount as being due, which just showed up on my XXXX and XXXX credit reports yesterday, but not on my XXXX credit report. This account is closed and the report of a new account with almost {$240000.00} due has tanked my excellent credit score and will tank it again when it reports closed again. Mohela should not be able to do this as it is both unconscionable and illegal. Also, Mohela has done this to a number of other borrowers in recent months that also received forgiveness for their debt. It is a despicable business decision.
Product: Credit reporting, credit repair services, or other personal consumer reports

While checking into the national multistate licensing system, I noticed THE BUREAUS is not licensed to collect in the State of Texas and I have several that they are trying to collect on which is a violation. This needs to immediately ceased and deleted from all credit reports. Acct number : XXXX ( XXXX XXXX XXXX XXXX ) After deletion I need an updated credit report.
Product: Debt collection

I was sent letter about a debt to Jefferson that I am not aware of and it was put on my personal credit report as a collections of XXXX which has effected my credit report rating I would like this updated and removed off my credit report as this is not my debt.
Product: Debt collection

They are reporting on my credit twice. They are aware of it and say they wo n't do anything about it until I pay off the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

My mortgage was in forbearance. The loan was current. Before the forbearance was to end, I ended up with a new job in a different state. I sold the residence and paid the mortgage in full, XX/XX/2021. Forbearance was to end XX/XX/2021 ( first payment due ). They reported balance of {$0.00} but did not notate payment for XX/XX/2021. BUT the put on mortgage was 120 days late. I tried to call but their system says I don't have account and I can not talk with anyone. 
How can they say I am 120 days late? 
How can they say balance is paid in full yet record no payment? This cost me 90 points on my credit report and may cause me to lose my next mortgage for a new house. 

This company has been horrible to work with from the time they bought my loan and now is just horrible.
Product: Credit reporting, credit repair services, or other personal consumer reports

Santander USA is not reporting the date the account became delinquent and after which it was never brought current. XX/XX/XXXX, I made my last payment to Santander. That payment was for XX/XX/XXXX. I paid Santander over {$11000.00} dollars and all I was paying was interest. 
XX/XX/XXXX, the account became delinquent and never became current. Santander is reporting XX/XX/XXXX, as the date became delinquent and never became current.
Product: Debt collection

Due to LVNV founding company uptain my personal information from XXXX XXXXXXXX XXXX XXXX XXXX baught my personal information to untainted money unlawful activity an to damage my credit report history with proving identification card writing agreement from XXXX XXXX or a full disclosure reported false information should been reported on my XXXX report an XXXX XXXX  is already removed from my credit report LVNC founding still trying collect money from me
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. 

Despite my submissions, XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXXXXXX XXXX actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXXXXXX XXXX actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation. 

These are the accounts that I have marked inaccurate ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened two lines of credit with Capital One in 2015 ... those were indeed mine ... A few months later I found out that someone else used my information with a different social security number to open another one. I contacted Capital One to inform them of this and they refused to remove it from my credit history, instead they added another social security number to my credit report which I have never been associated with!!! I am now being harassed my debt collectors with regard to a card that I never applied for. My information was one of the many that was compromised when these companies were hacked and this needs to be fixed.
Product: Credit reporting, credit repair services, or other personal consumer reports

My personal information was stolen in XXXX, since then Ive been seeing a lot of unauthorized inquiries and accounts. Ive attached a police report pertaining to the incident. In accordance with the Fair Credit Reporting act multiple unauthorized Inquiries have been found on my credit report please investigate and Remove all inaccurate inquiries I have listed immediately, the following includes : XXXX XXXX : XX/XX/XXXX : XXXX XXXX XXXX XXXX : XX/XX/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 XX/XX/XXXX : U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my hand written instructions. 15 U.S.C 1681i Section a : states that if the completeness or accuracy of any item of information contained in a consumers 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 if no documentary evidence is found in accordance with FCRA, 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022 - XXXX contacted BMW Financial Services to initiate a Dispute of a negative report of a 30-59 day late on my credit. ( see letter from BMW dated XXXX attached ) XX/XX/2022 - XXXX wrote BMW Financial Services to advise them of an error in credit reporting of the one and only ( ever ) late payment on my BMW lease account in connection with my XXXX XXXX XXXX XXXXXXXX ( Lease Account ending in XXXX ). 

XX/XX/2022 - I initiated a BMW Financial Services Credit Dispute, related to a late payment on the above-referenced lease account in XX/XX/2022, which was caused by a Bank error on the part of my linked XXXXXXXX  checking account with XXXX XXXXXXXX 

XX/XX/XXXX, XXXX I received a response letter from BMW Financial Services dated XX/XX/2022 ( see attached ) wherein BMW confirmed that they reported my account as 30-59 days late ( under the FCRA ). 

XX/XX/2022 - BMW verified that a payment submitted on XX/XX/2022 was returned unpaid by my bank as a result of the documented BANK ERROR ( see attached Letter from XXXX XXXX ). 

XX/XX/2022 - BMW Financial Services further advised that the payment due on XX/XX/2022 was SATISFIED on XX/XX/2022 ( which was 30 days after the payment due date and resulted in a a 30-59 day delinquency reporting for XX/XX/2022. 
** NOTE : BMW stated that my payment was ONE DAY too late as had it been received on the XXXX day, then BMW would NOT have been able to report this 30-59 day delinquency as they had done. 

BMW Financial Services failed to complete their investigation within 30 days, as is required. Indeed, to apply the very same " zero-tolerance '' rigor applied to me in being ONE DAY too late in my XXXX payment satisfaction ( caused by documented bank error ), then so too should BMW Financial Services be held to the same strict time standard in their investigation- which they applied to my curative payment. 

** CONCLUSION ** BMW Financial Services ' response letter was dated 32 days following my Request for Investigation ( AND 36 DAYS FOLLING THE DATE I ACTUALLY RECIEVED THEIR RESPONSE on XX/XX/2022 ).
Product: Credit reporting or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal to comply with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they fail to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned about : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed I have fraudulent activity. Please remove all fraudulent accounts/activity as it it hurting my ability to obtain credit. Thank you
Product: Checking or savings account

To the Consumer Financial Protection Bureau, I am writing to report a critical banking service failure by Capital One that is severely impacting customers ' financial stability. As of XX/XX/XXXX, numerous account holders ( including myself ) are experiencing prolonged delays in direct deposit processing, leaving individuals without access to their paychecks and deposits for multiple days. This disruption is causing significant financial hardship, preventing customers from : Accessing their expected funds Making timely bill payments Meeting critical financial obligations The ongoing nature of this issue, with deposits still unprocessed days after the expected payment date, demonstrates a severe breakdown in Capital One 's banking infrastructure. Customers are left in a state of uncertainty, unable to rely on the basic banking service of timely deposit processing. 

Furthermore, we are quickly approaching a holiday weekend in which Monday is a bank holiday -- I am sure Capital One has no intentions of correcting their mistakes on a holiday. This means many people XXXX not have access to their paychecks and deposits until Tuesday of next week earliest. 

I've seen that Capital One intends to reimburse people for fees they incur due to this issue, but they aren't able to simply reimburse for irreparable harm to people 's banking reputations with other institutions if payments are returned/bounced or missed entirely. 

I urgently request an immediate investigation into Capital One 's systemic failures and the impact on account holders. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

i have inquiries ive submitted where i was denied by the creditor. 

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

On XXXX I purchased some home decor from a lady via XXXX pay in the amount of {$1500.00}, however after numerous attempts to get my merchandise with no response from the seller I requested a refund however she never gave it to me so I filed a dispute with my bank which they gave a provisional credit on XXXX almost a month after trying to get this lady to give me my merchandise. Then on XXXX today I receive a letter stating that US Bank will not give me credit and are taking that money out of my account XXXX however I just received this letter and it is dated for XXXX. We did not receive any merchandise and we feel we are a victim of fraud however neither XXXX pay nor our bank is actually researching this person. I have numbers for this person, email, and documentation stating every excuse in the book why the seller never shipped my merchandise and even after requesting a refund she still never gave the refund and now her numbers are just ringing with no voice mail. This is horrible, we paid {$1500.00} out for items we never got and our bank will not help us out. We would really like to get our money back for this items because this effects our business in a very negative way. We need some help getting this money back and our bank will not help us with these fraud charges. 

Please please help us get these funds back. ASAP. 

The bank is US Bank and the lady who is working at US Bank That will not help us is XXXX XXXX phone number XXXX The person I supposedly purchased from is XXXX XXXX her phone number that she gave me was XXXX or XXXX her email is XXXX and she also has a name listed as XXXX XXXX. 

This isn't right nor fair to have to fight this like this but we need our money back! 

All documentation I have is via email, invoice through XXXX pay or text messages from me to this person trying to get my merchandise delivered or picked up. So I am not sure how to provide all that in this complaint but I am happy to provide it immediately via email or fax or some way.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian, XXXX, XXXX XXXX is reporting false information on my credit report involving a collection account after numerous times to investigate it they come back verified as true. 

Experian in complicit in aiding debt collector XXXX in illegally Re aging this account. 

Account XXXX, XXXXXXXX XXXX account number XXXX. 

Experian is reporting the open date is XXXX in an attempt to keep it on my credit report longer. 
The actual open date is XXXX the account is close to 7 year mark for removal and I want it removed. 

I have not made any payments on this debt to XXXX and to any other collection agency and any payment made on my behalf is fraudulent and I request any reciept which claims payment made. I dispute the debt and have not and will never make a payment on this alleged debt. 

XXXX XXXX tried to collect the debt on XXXX on behalf of XXXX and XXXX has numerous times tried to collect the debt without proof that would hold up in court.