23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Negligent Noncompliance with the Fair Credit Reporting Act ( 15 U.S.C. 1681o )
Product: Credit card

I applied for a Capital One secured card in 2014, which is advertised as a way to rebuild credit. I was approved with a deposit that I was told that I would get back after showing good usage of the card. I was even told that my card could be upgraded. However, though I 've never been late on a payment, when I attempted to get my deposit back, I was told I had to close the card. Capital One has even increased the credit limit on my card without an additional deposit and without me asking. 
Capital One can not advertise a card as helping to rebuild credit and promising people to get their deposits back when you have to close the card ( hurting your credit ) in order to get your deposit back.
Product: Credit reporting or other personal consumer reports

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 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 

all of these and maybe more. I have never owned a credit card, only used a debit card, yet I have all these accounts open or in collection. The phone number on the accounts is not mine.
Product: Credit reporting or other personal consumer reports

Hello, while checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : XXXX XXXX XX/XX/XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.

I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number.

Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611. 


Your company is not authorized to share any of my personally identifiable information with any creditor or outside agency for which I am disputing. 

Sincerely, 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

I recently reviewed a copy of my credit report. It indicated that a credit inquiries were made by following the credit inquiries listed below. However, these inquiries were not authorized by me. Therefore, I'm sending this complaint to dispute these inquiries and have it removed from my credit report. 

XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Mortgage

Prepared a XXXX  letter and mailed it XX/XX/XXXX certified and return receipt to Chase Mortgage XXXX department - per website to address in XXXX, LA. indicating my address for them to mail the information requested. Received XX/XX/XXXX received by XXXX XXXX per stamp. 
Followed up with phone calls and despite being internally escalated as of XX/XX/XXXX there was no response yet sent the first CFPB complaint XXXX to which partial response was given. A second CFPB complaint was submitted on XX/XX/XXXX XXXX, received a couple of calls at inopportune times and no response was sent to me. Please note the property address is XXXX XXXX XXXX, XXXX FL XXXX while my address is XXXX XXXX XXXX XXXX, XXXX FL XXXX. This has been clearly stated on the XXXX as well as both CFPB complaints. 

I have awaited correspondence from CHASE with the documentation requested on the XXXX and reiterated on the CFPB complaints. Come to find out that the reason why i haven't received the documents is because the response was sent to the property address to my XXXX. Wow, seems attention to detail is not a skillset here. 
The payment history included with the letter dated XX/XX/XXXX ( attachment pages XXXX ) starts on XX/XX/XXXX with loan set up however ends on XX/XX/XXXX, most recent commentary is XX/XX/XXXX. Please provide a provide updated pay history and commentary to date, as the ones provided are already aged. XXXX XXXX is also aged, as last payment reflected is dated XX/XX/XXXX. Has there been no additional payments made and no collection attempts by the servicer?? 

CFPB, please help obtain this documentation from the servicer, it is a reasonable request to have updated information readily available from the system of record and to have Chase the servicer provide it to the party making the request. 

My name is XXXX XXXX, the borrower. I can be reached at XXXX My address is XXXX XXXX XXXX XXXX, XXXX Florida XXXX- this is the mailing address for the request. PLEASE DO NOT SEND THIS TO THE PROPERTY ADDRESS!! 
I appreciate any calls services feels necessary to make, however this is a request for documents/information and calls will not suffice. 

Thank you in advance.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX abused the use of my credit report by running it with themselves 4 times resolving in 4 hard credit inquiries. I am trying to rebuild credit.
Product: Credit reporting or other personal consumer reports

This is my second time writing the company Equifax to update my personal information. 15 USC 1681 ( a ) ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses as following, 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 Delete any and all other phone numbers. I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. Delete all information in the employer section I do not work at any of the places listed and should not be on my credit report. Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on XXXX. 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, XXXX, 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 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: Money transfer, virtual currency, or money service

Zelle transfer was sent to the wrong account but Zelle could not fix it, refund or cancel the transaction transfer
Product: Checking or savings account

I had a savings account with US Bank that for over three years was pulling {$25.00} a month out of the account because it the balance was lower than it was supposed to be for this type of account. 

I didn't check online with this account because i used it so rarely. However, i never received statements in the mail nor did anyone contact me. During XXXX the bank was closed most of the time or their hours were not in line with my work hours so i didn't get in as often as i did before. 

Once i did go back into the bank to do my transactions, no one spoke to me about this account even as i pulled money from it. 

I received a letter in XXXX saying my balance was approximately {$120.00} dollars and they were going to keep pulling {$25.00} dollars out unless i called. I went into the local branch the next day and the manager changed my account and added back {$150.00}. I estimate over {$1200.00} being deducted between XXXX and XXXX. The district manager was supposed to call me but i never heard from her. I waited five months to get assistance. It wasn't until i went back to the local branch in XXXX to speak to the manager and he told me there was nothing they could do. After over 40 years as a customer, i closed all my accounts but one small checking account.
Product: Checking or savings account

On XXXX XXXX XXXX i went to a Bank of America ATM located XXXX XXXX XXXX XXXX XXXX IL XXXX and deposited {$7500.00} into the ATM. ATM XXXX XXXX. I inserted my debit card out my PIN number in hit deposit cash and inserted XXXX XXXX dollar bills. The machine accepted the money and kicked back an old {$100.00} bill. I took that old XXXX dollar bill back and inserted another {$100.00} dollar bill. After inserting another {$100.00} the atm machine freezes and cut off rebooting itself once the atm powered back it said ATM temporarily out of service and my debit card was ejected from the ATM. I left my car parked at the ATM to prevent another customer from using atm while i went inside the branch to tell them about the transaction. I was told by the banker XXXX XXXX that i had to call the number on the ATM and make a claim. I return to my car and call the number where Im speaking with an automated system. I move my car the ATM is back up and working i go bank inside the branch to get help making the claim. The banker directed me to the option to speak with a live agent. I was on hold for 40 mins and made the claim. Im not sure the exact time of the transaction but it was between XXXX and XXXX. I was told when i made the claim I would receive a temporary credit after 2 business days of the XXXX while the claim gets investigated. Tues morning i did not receive any funds and my account was negative due to debits hitting my acct. i called again and was told per federal law they had 10 business day to before i get a credit. I called a could days later and each time i called i spoke with someone from a different state and with every person i spoke with and got different information regarding the claim. I have been faced with a financial hardship due to not receiving my money and all my bills being returned and unpaid. I expressed to the call takers that was the reason for the atm deposit to cover my XXXX bills. I have never paid any bills late or missed a payment and all my bills are still unpaid and i only been getting told its nothing they can do i now at a XXXX day wait with no answers in regards to my money. I was told on XX/XX/XXXX that when i initially made the claim on XX/XX/XXXX that the claim was never investigated and they would reopen the claim. As of today XXXX XXXX XXXX i have not got answers regarding the claim nor have i received money. Also my ACCT has been since closed. Please help me recover my money because Bank of America has put me in a financial bind.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of the fraudulent accounts listed below from my credit report. I am a victim of a data breach, and these accounts were not authorized by me. Under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have fraudulent information resulting from identity theft removed from my credit file. 
Fraudulent Accounts 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: Credit reporting, credit repair services, or other personal consumer reports

Ive been a victim of identity theft there are accounts on my credit report that I did not authorize
Product: Credit reporting or other personal consumer reports

I have disputed items on my credit report. I verified that I was involved in the XXXX XXXX XXXX on the FTC website.
Product: Money transfer, virtual currency, or money service

We are a retail store located at XXXX, California XXXX, and we are agent of XXXX XXXX XXXX XXXX XXXX. XXXX XXXX. XXXX, We help customer send money to XXXX through XXXX XXXX. In XXXX XXXX, XXXX of my customer total of {$17000.00} sent money to XXXX, the transaction can not go through, so on XXXX we call in ask for refund back to the customer. They promise will sent the refund in checks in about 20 days. We waited a month to call them back, but got no responds through by phone nor in email. We are at lost in how to contact them.
Product: Checking or savings account

My balance is wrong. 

My transactions were PROCESSED and POSTED, " out of order ''. 

My XXXX XXXX credit card has a - {$91.00} balance. 

BofA # : XXXX # XXXX XXXX XXXX XXXX # : XXXX This fraudulent activity, suspiciouly has absorbed {$100.00} and has alerted me of a negative balance, - {$91.00}, on my credit card, # XXXX. I only made a {$65.00} online payment ... how can I have a negative {$91.00}?!
Product: Credit reporting, credit repair services, or other personal consumer reports

On Friday XX/XX/XXXX, I received a call at work when theyhave my personal cell number, and they said that I was behind almosttwp months on my credit cards- XXXX and XXXX XXXX both through XXXX XXXX . The rep asked if I could bring both cards current and I advised her sure. I paid a payment of {$60.00} on XXXX XXXX and {$130.00} on XXXX. This was a automatic debit then and that day, as I have proof of my online services. However, I was notified last week that the payment wasn't posted until days later! I ave called and got no where with XXXX! I have never had a problem with them. But they have incorrectly stated that my account is still not paid and are showing falsified information on all three of credit reports. My score dropped almost 30 points becuase of this! Please, if you would like for me to submit anythig to you, youmay contactme at ( XXXX ) XXXX.I would like for my credit reports- all three to shows my account is not deliquent and is current. I do work for an atttorney 's office and if this can not be handled this first attempt, i do plan on filing a second method of dispute in Magistrate court.
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 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 XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX, XXXX : Is reporting Capital One on my acct. I've demanded them to remove it because it's a business account that was never created by me, which also lead to other accounts in my name and on my Bureau, that aren't mine. Upon contacting Capital One they've stated, I needed to simply contact the 3 reporting Bureau 's and it would be deleted. However the Bureau says they won't remove this information. I've been fired from my career over this information being on my credit and denied home loans because it dropped my score by XXXX points. Plus the Bureau have my social first number as 5, which alerts lenders of my race based on the first number being a 4 or 5, so I've been told by a Bureau expert. 
I need these items removed from my report. 

Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX continues to report inaccurate data onto my credit report with Equifax and XXXX. See attached screenshots of my credit report, XXXX XXXX has not validated this collection and they continue to not report the first delinquency data to Equifax and XXXX and Equifax and XXXX continues to not report the first delinquency date and ignores my disputes regarding this issue that is clearly causing my Credit score to drop. I am in fear this company XXXX XXXX XXXX and Equifax both by not investigating this has caused my credit score to suffer grave damages for years. This is for account XXXX <<<< This complaint was made regarding two separate accounts listed by account number. This is not. A duplicate or repeat complaint this is a new complaint.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX and XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I've consistently called Valon Mortgage INC, and I have been hung up on several times after I've asked to speak with a supervisor to obtain information that would assist me with filing a complaint with the federal government that overseas grievances that consumers have against their mortgage company practices and procedures... the company fails to provide this specific information to me.. 

I've consistently asked to have supervisor 's call me back from the escrow and PMI departments and to this day none have. I've paid the additional {$190.00} amount of money required to have procedural evaluation to remove PMI and after the home visit and evaluation no one has contacted me. 

I've consistently asked to have the escrow removed and after speaking to the insurance department on various accounts, I was hung up on once, told a supervisor would give me a call back another time, and told by another to send an email if I wanted to communicate with someone. No one has reached out to me nor attempted to contact me. 

I've also attempted several times to get information on why my monthly mortgage payment increased twice within a one month period..they refuse to give me a reasonable response... 

I've continuously asked for the opportunity to speak to a live human being in these departments and continuously told tickets are generated and call backs coming... that has been untrue and currently not occurring. 

I've tried again today..my attempts to informally resolve my grievances are fruitless. The inability to speak to a supervisor and management, and or provided the opportunity to speak with a live human being in specific departments is the core contribution to these unresolved issues. 

It is unrealistic, unacceptable and unprofessional for a mortgage loan company to deny a consumer the opportunity to interact with a live human being in specific departments to communicate and resolve problems considering they are paying the company for a mortgage
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, To who this may concern, On the XXXX of XXXX called and made a payment over the phone, and by mistake I made a payment with my account that I stopped using, and that account didnt have funds. So when I realized that there was no money in the account, I right away called back and made a payment with my new account, but I didnt know that the account has a different routing number, so I gave the old routing number, and after that I called multiple times to see why the money wasnt withdrawn from my bank account, and only after 30th day from my due date, you told me that the banking information was incorrect, so I updated it and the payment went through, and then I asked multiple times if you can remove this negative mark from my credit report, and you guys told me that you will remove it, I asked a few times but you still have not removed it from my report and my cosigner. 

I am applying for a mortgage now and it is really hurting my ability to obtain a mortgage so I ask if you can please help me and remove this negative mark from my report and my cosigners report, as I made a payment the only thing that was missing was the banking info was not correct.
Product: Vehicle loan or lease

I am reporting Bank of America for using false, misinformation, inaccurate information, obscene and abusive language which violates the Plain Writing Act to deny me an auto loan. This makes the second loan that Ive been denied by Bank of America and the XXXX denial resulted in a current lawsuit filed in federal court against Bank of America and XXXX. Employees at Bank of America buys the reports from experience and are trading and well as selling consumer reports without compensating investors. If a bank employee duty consist of borrowing then how am I being denied when its impossible?