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

Capital One Bank did not post my paycheck to my account today, although it has been sent by my employer. An email was sent last night XX/XX/XXXX informing customers that there is a system issue affecting deposits, transfer, and payments. This has caused a major inconvenience due to me living paycheck to paycheck and needing to pay bills and take care of my family. I am truly dissatisfied and disgusted by this treatment as a customer. They did not inform in a timely manner. They have not given an estimated deposit time. It is a holiday weekend, which means the bank will be closed on Monday.
Product: Credit reporting, credit repair services, or other personal consumer reports

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 U.S.C 1681. ACCOUNT Name : XXXX XXXX  XXXX and XXXX XXXX. 15 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 an account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX took my XXXX plus dollars monthly claiming to fix my credit and they didnt fix anything. I just found out they are now bankrupt and have a lawsuit pending. Can I please be compensated for money that I paid into the company for credit repair. File # XXXX
Product: Credit reporting or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : 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: Debt collection

Pinnacle is false reporting saying that they are a financial corporation and that I have a loan with them ... .they are actually a collection agency and it 's a collection for XXXX XXXX. I have disputed this many of times with the bureaus and they verify as accurate ....
Product: Credit reporting, credit repair services, or other personal consumer reports

I've reported this dispute several times. 
XXXX has updated my credit based on my report and Experian ; along with XXXX have yet to update the lateness 's on my report. I had a loan and stated I went 30,60,90 days late on an account while making payments on all of those months That doesn't make sense and missing a payment as small as {$19.00} for 3 months while making a considerable amount of money doesn't make sense either. 
That is not possible.

I paid all of my payments on time 4 screenshots will be attached two are my XXXX payment history one is the updated report by XXXX based on the screenshots and information that should be updated this way on XXXX & Experian The last is how it shows on XXXX ; along with experian You can not go 30,60,90 days late on anything while actively making your payments. 
The only way this will happen is if you're near defaulting on whatever loan or account Even if, the payments were late. they are made on a 14 day biweekly payment system - Whatever payment was made would still just rollover to the next two week period and never report as late. 

This is the last time I'm reporting these issues and the next will have to be legal action
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Inquiry on XX/XX/2023 by Santander Consumer USA XXXX Credit Inquiry on XX/XX/2023 by XXXX XXXX XXXX XXXX Both appear to be regarding auto loans.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX has violated my rights. The date opened is inaccurate. It's reported on XXXX as a different date compared to Experian and XXXX. The alledged debt shows as charged off, but another account from XXXX XXXX XXXX shows the exact same account number. Both companies have violated my rights. A debt validation letter was sent to XXXX XXXX XXXX in early XXXX. 45 days have passed and they have yet to send me proper documentation proving I owe on the alledged debt or showing that I have ever done business with them. 
XXXX XXXX XXXX, has violated my rights. Also shows inaccurate date opened when compared on all three consumer reports. 
XXXX XXXX XXXX XXXX has violated my rights. Also shows inaccurate date opened when compared on all three consumer reports. 
XXXX XXXX XXXX, has violated my rights. Also shows inaccurate date opened when compared on all three consumer reports. 
XXXX XXXX XXXX, has violated my rights. Also shows inaccurate date opened when compared on all three consumer reports. 
XXXX XXXX XXXX, has violated my rights. Also shows inaccurate date opened when compared on all three consumer reports. 
XXXX XXXX, has violated my rights. Also shows inaccurate date opened when compared on all three consumer reports.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : States a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card

We were vacationing in XXXX on XX/XX/XXXX. While purchasing gas at a gas station we attempted to use our Chase credit card to pay. The gas attendant used a wireless credit card reader to charge our card. She stated it " did not go through '' and called over another attendant with a second card reader who attempted to charge our card. They stated neither charge went through. We had to pay {$60.00} USD cash for the gas. 
We researched the gas station online ( via XXXX maps ) and found this fraud scam is very common at this particular gas station. 
Later that day when we arrived back in the XXXX, we checked our Chase account and saw two charges, one for {$59.00} for gas and one for {$1500.00} at a " sportsbar ''. We immediately contacted Chase to disputed the charges and report our card as compromised. Chase stated they would investigate the charges as fraud. 
The charges were removed from our account. On XX/XX/XXXX I received a message from Chase to return a call about an inquiry on our account. I was told they could not confirm the charge of {$1500.00} was fraud because we used our card before and after the charge. I was also told that because the charge was a " chip '' purchase and that I willingly gave my card to the gas attendant, that we are now responsible for the charge. 
Chase declined to remove the {$1500.00} charge. 
Chase did not flag the charge as suspicion even though it was a large purchase, out of country, and well outside of our normal purchase habits. They have also not offered any solution other than having to pay the bill.
Product: Money transfer, virtual currency, or money service

There have been numerous instances where Zelle have failed me as a customer, where there has been times where I need to cancel a transaction or there was unauthorized payments made on my account and they said that they werent able to do anything about it. Zelle failed to protect me against scammers and left me vulnerable to repeated offenders. This has not only affected my financial but my daily living as well
Product: Debt collection

On XX/XX/XXXX, I filed a Chapter XXXX through the US Bankruptcy Court. Notice of the filing was sent to XXXX  XXXX XXXX XXXX and their client XXXX XXXX XXXX. After receiving notice, they violated the immediate " automatic stay '' by reporting the debt to the Credit Bureaus. They have each month continue to collect the debt by reporting the delinquency each month. The last update was on XX/XX/XXXX. I spoke to a team lead and then to the Collections Supervisor, XXXX. In a recorded call, she affirmed receipt of the " NOTICE OF BANKRUPTCY '' and that " they will continue to collections process until the debt is discharged ''. I advised her that her collections activities were in violation of the Bankruptcy laws. She advised that they will continue the process.
Product: Checking or savings account

Hello, on XX/XX/2020 I noticed several unauthorized charges on my debit card with regions bank. Shortly after, new charges popped up labeled ATM Fee which showed that these charges were actually several different out of network ATM withdrawals. I immediately contacted the bank, and notified them and started the claim process. The interesting thing is though that my card never left my wallet, and I was working at the time of the transactions. Yesterday, a week after filing the claim, I was notified that the claim had been denied and I would not be refunded my money, and am out of over {$700.00}. Even though the associate who filed told me that there are many ways my card could have been cloned and used, this was there reason for denying my claim. I am extremely upset to have lost money and have been a great value customer at regions with no issues until this.
Product: Credit card or prepaid card

This relates to a CapitalOne Visa Signature Account ending in XXXX. 
After many years of use I cancelled this account in XXXX or XX/XX/XXXX. I called and cancelled this and another card. The last bill I ever got was for the period ending XX/XX/XXXX. 

In XXXX, XXXX CapitalOne paid a merchant for two purchases one in the amount of XXXX and one for XXXX. 

The website shows no statements from XX/XX/XXXX to XXXX, XXXX because the account was cancelled. 

I did not realize this happened until XX/XX/XXXX when i opened a bill from Capital One. They had apparently unilaterally resurrected the account and billing in XXXX, XXXX. I spent several hours on the phone with them. One of their representatives told me the account was actually cancelled in XX/XX/XXXX and " this makes no sense. '' Finally they agreed to contest the payment with the merchant, but they did not do so, as best I can tell. 

The merchant is XXXX XXXX XXXX in XXXX Wisconsin. the total of the charges was XXXX. 

Now CapitalOne wants late charges and interest. 

I owe the merchant who mistakenly submitted a cancelled card. I did not authorize the use of this card. I had specifically cancelled the card. I will make it right with the merchant to whom i have spoken. 

CapitalOne can not charge me for a cancelled card. Then they agreed to fix it and did not.
Product: Mortgage

My loan is services my Nationstar, the loan itself is roughly 4years old. My escrow was set at a certain amount every month. Someone at Nationstar filed my insurance of the PMI incorrect and it made my payment skyrocket. I have called XXXX different times to get it resolved. At first it was even hard to talk to someone that could understand my situation. Finally after being transferred over and over I was led to a woman who was able to tell me that I owed the money for their mistake. I did n't give up there because reading online it seems this is unethical and bad business practice. I was then put in contact with a manager of the insurance department. He was very nice and took my information down and assured me they would figure something out. He called me the day after and said he was still working on it, which was a change of pace from how I was treated earlier. I thought I was in good hands. I was wrong because I let it go about 32 days and called him back. I left XXXX voicemails over 2 weeks thinking he was going to get back to me. I could n't be any more wrong. He has yet to call back and my payment is still higher than what I signed for. I have not missed my payment over the life of my house in 9 years. I do n't intend to start now. This company is to put it lightly, making it difficult.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXXXXXX Balance : {$XXXX} XXXX XXXXXXXX XXXX Balance {$XXXX}
Product: Credit reporting or other personal consumer reports

My account with ( XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) 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 ( MONTHS REPORTING LATE ) 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) 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: Mortgage

SpringEQ failed to follow up with documents I submitted as part of the application and loan approval process. Specifically a signed auto-deduction form with my account and routing number that requested additional payment to principal be added to monthly auto-payment. The loan went to closing with their XXXX XXXX XXXX XXXX XXXX XXXX ). At closing there was no sign in the forms of my previously submitted auto deduction with added principal. Instead the closing agent/notary asked me to fill out another, which I did with the added principal for monthly auto pays. After closing I began to get correspondence of notification of first and enduring payment from both SpringEQ and XXXX, still at the original monthly payment. I reached out to SpringEQ who denied they did anything wrong, even though they had requested and received my form otherwise, yet sending notices without added principal. They made many attempts to completely blame it on XXXX, said they gave XXXX the form, and it was their fault. They failed to ensure those documents made it to closing. I will be filing a separate claim against XXXX  for them failing to honor the document I had to resign and submit at closing. Failing to properly process ( multiple times ) documents as part of closing, puts doubt on any of the closing documents as being properly processed and/or honored. They claimed to have reached out to XXXX and said I needed to call them to verbally confirm what I already signed, notarized, and submitted at closing. The number for XXXX was to an auto-helpdesk. SpringEQ washed their hands of issue that they contributed to and failed to make good on document they failed to ensure was possessed properly. They wasted my time and energy.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of XXXX, Contents of Complaints : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX consumer credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 days of you receiving this complaint. This fraudulent, inaccurate, and false information consist of a personal credit card account opened at XXXX XXXX XXXX  on XXXX, XXXX under the account number ( XXXX ), an auto loan account opened at Quality Acceptance on XX/XX/XXXX under the account number ( XXXX ), a personal credit card account opened at XXXX XXXX XXXX XXXX XXXX, XXXX under the account number ( XXXX ). These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Debt collection

Medical Data Systems recently reported a medical collection on my credit report. Prior to the appearance of this debt, I never received my notice of my right to dispute.
Product: Debt or credit management

RevNow financial has contacted me several times per day with no information stating to call the number on my caller ID to discuss my account with them. It is often from different phone numbers. They leave messages often stating the message is intended for _____. They leave dead air where they intend a name. They first started calling my brother and then calling me for my brother. The calls are beginning to border on harassment.
Product: Checking or savings account

I opened a Citi XXXX Checking account for the sole reason of the sign-on bonus they offered. I qualified for a {$1500.00} bonus as my deposit was between $ XXXX. I was denied the bonus because they said my W9 was not received timely and therefore my account was never deemed 'opened '. The required criteria to receive the bonus, per their terms on the website is as followed, along with my personal applicable dates. 

1. Open an account & Enroll in the new to Citi Cash Bonus Offer - Opened account via the Bonus Offer link on XX/XX/XXXX. 
2. Balance deposited as of the XXXX XXXX is the amount eligible for the bonus ( or potentially XXXX day depending on digital status ). 30 days would be XX/XX/XXXX. Only XX/XX/XXXX - deposited {$200000.00}. Balance remained at XXXX on the XXXX day and XXXX day. Meeting criteria # 2.

3. Maintain balance for 60 calendar days after the measurement date in # 2. 60 days after that latest measurement date would be XX/XX/XXXX. My balance remained at {$200000.00} ( plus interest ) until XX/XX/XXXX. Meeting criteria # XXXX. 
4. Bonus offer will be paid within 90 days after completing all activity ( XX/XX/XXXX ) - My account was opened at this time. 
5. U.S persons must furnish a W-9, accounts subject to backup withholdings do no quality.

I submitted my W-9 in XX/XX/XXXX. Well before my schedule bonus payment date. Nowhere in the terms does it stipulate the W9 must be received for an account to be deemed open. I would not be subject to withholding taxes unless the bonus was paid, therefore implying the W9 only need to be furnished before payment. 

If my account was " not opened '' they would not have accepted my {$200000.00} deposit. The W9 timing is a trick to avoid paying the advertised sign on bonus. 

I have started to move my funds out of Citi as of XXXX and will move to close my account as soon as possible ( though even that is proving difficult ) as I do not wish to let a shady company continue using my cash for their own gain.
Product: Credit reporting or other personal consumer reports

This is purely identity theft. I do not recognize these accounts. These accounts are damaging my good credit reputation! 

In accordance with the Fair Credit Reporting act. These accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX REMOVE THESE IDENTITY THEFT ACCOUNTS ASAP!!! 

I will never stop filing complaints against you because I know my rights! 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate. 

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that 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: Credit reporting, credit repair services, or other personal consumer reports

I HAVE SENT EXPERIAN NOTICES TIME AFTER TIME ABOUT THIS INACCURATE ACCOUNT ON MY CREDIT REPORT THIS ACCOUNT DOES NOT BELONG TO ME AND I HAVE ATTACHED MY CERTIFIED UCC11 WHICH STATES I DO NOT HAVE A LIEN AGAINST ME FROM XXXX HIGH BALANCE XXXX. I HAVE ATTACHED THE CREDIT REPORT LISTING FROM XXXX I HAVE ATTACHED A DEBT VALIDATION LETTER FOR EXPERIAN TO COMPLETE