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

My name is XXXX XXXX, I respectfully requested to have these hard inquiries removed from Transunion credit file. These Hard inquiries are inaccurate and According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
The Hard inquiries are ( see Below ) The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX The following account is not mine XXXX XXXX XXXXXX/XX/XXXX The following account is not mine XXXX XXXX XX/XX/XXXX The following account is not mine XXXX XXXX XXXX XX/XX/XXXX The following account is not mine XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Experian is reporting an allege late payment on the account XXXX XXXX XXXX Account # XXXX the late payment is listed in the month of XX/XX/year> and Experian is the only consumer agency reporting this late payment. 

( 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. 

( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge.
Product: Checking or savings account

I deposited a check on XX/XX/XXXX and this company put an 11 day hold on my account. Tidal is XX/XX/XXXX and now this bank still has yet to release my funds and when I called they are now saying my funds will be released by XX/XX/XXXX midnight today so the XXXX of XXXX. I am staying in a hotel and this hold has practically caused me to be XXXX  it has made my credit card payments late and my storage unit. It has cost me XXXX of dollars in late fees! This bank has no right to hold my funds another day! Now I am going to be kicked out of the hotel I am living in! This is outrageous and illegal!
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX Social Security Number : XXXX Consumer Date of Birth : XX/XX/XXXX Contents of Complaint : This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint.

This fraudulent, inaccurate, and false information consists of the following fraudulent accounts and inquiries identified through my investigations and verified through FTC Identity Theft Complaints : Credit Card Account : Opened at XXXX XXXX  on XX/XX/XXXX, under the account number XXXX, with a total fraudulent amount of {$12000.00}. 

Credit Card Account : Opened at XXXX XXXXXXXX XXXX XXXXXXXX on XX/XX/XXXX, under the account number XXXX, with a total fraudulent amount of {$5000.00}. 

Credit Card Account : Opened at XXXX XXXX XXXX  XXXX on XX/XX/XXXX, under the account number XXXX, with a total fraudulent amount of {$4500.00}. 

Credit Card Account : Opened at XXXX XXXX XXXX BANK on XX/XX/XXXX, under the account number XXXX, with a total fraudulent amount of {$1900.00}. 

Personal or Business Loan Account : Opened at XXXX XXXX XXXX on XX/XX/XXXX, under the account number XXXX, with a total fraudulent amount of {$11000.00}. 

Personal or Business Loan Account : Opened at XXXXXXXX XXXX XXXX on XX/XX/XXXX, under the account number XXXX, with a total fraudulent amount of {$17000.00}. 

Personal or Business Loan Account : Opened at XXXX XXXX XXXX XXXX  on XX/XX/XXXX, under the account number XXXX, with a total fraudulent amount of {$510000.00}. 

Personal or Business Loan Account : Opened at XXXX XXXX  on XX/XX/XXXX, under the account number XXXX, with a total fraudulent amount of {$0.00}. 

These fraudulent accounts have resulted in several related hard inquiries and collections appearing on my consumer credit report. Attached to this complaint are : A list of hard inquiries related to these accounts A copy of my consumer credit report highlighting the fraudulent items FTC Identity Theft Criminal Complaint # XXXX and # XXXX as proof of identity theft and fraud I do not recognize any of the aforementioned accounts, collections, or hard inquiries. The accounts, collections, and hard inquiries appearing on my consumer credit report were not opened, made, or initiated by me. All of the items mentioned in this complaint are the result of identity theft and fraud.
Product: Money transfer, virtual currency, or money service

Money was in Venmo and a funds transfer was initiated XX/XX/2022. Estimated completion time was given as XX/XX/2022. The money is still pending as of XX/XX/2022. A ticket was submitted through Venmo, however no contact has been made and no other options are available. The chat bot does not have a resolution feature fit for this type of situation it seems. 
I understand funds can be delayed, however shouldnt they have to give a reason why or try to work with their customer.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX  Navy Federal ran my credit on what was supposed to be a soft pull but instead wound up being a hard pull on a car loan pre approval request. My credit score is in the 700s & for whatever reason they denied me to add to this situation. I sent a letter to Navy Federal asking that the negative information be removed as it wasnt supposed to be a hard pull & the fact that I was denied credit. This is a clear violation of the FCRA
Product: Money transfer, virtual currency, or money service

On XX/XX/21 Paypal reopened claim # XXXX that I previously closed on XX/XX/21 because my bank paid final credit of {$32.00} as merchant refused to process my refund. 
This should have remained closed, but Paypal decided to reopen and review without the authorization of my bank and myself. Bank dispute closed and paid as evidenced by enclosed letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good Evening, I have been having an issue with the 3 credit bureaus reporting fraudulent information on my credit profile regarding XXXX XXXX XXXX I have called and sent in several letters with no resolution. I have asked several times for proof of the account listed on my profile. I have needed specified information and these companies are not able to provide. They only respond with letters stating the account is verified. 

I have asked for supporting documents and also how was the method of verification completed. Seeked out signatures, payment history, billing statements, etc. 

I have called on XX/XX/XXXX to XXXX  and Transunion. 
XX/XX/XXXX XXXX. XX/XX/XXXX to all three bureaus XX/XX/XXXX and XXXX to XXXX. 

Certified letters has been sent to each bureaus as well XX/XX/XXXX, XX/XX/XXXX, and latest letter XX/XX/XXXX. 

I have received written response form Transunion and XXXX. The letters in response just states the accounts have been verified but no evidence of that. XXXX  has no sent any responding letters. Only updated info online stating accounts accurate. 

I will attach screenshots of the account being listed showing inconsistent reporting and date opened date. Also different account numbers. Please reach out of any other is needed.
Product: Mortgage

I have a mortgage with Nationstar now known as Mr. Cooper. I was filing an appeal regarding my taxes and since I had not had my appeal hearing the taxes due were 85 % of the possible taxes due. Nationstar paid this amount. Early XX/XX/XXXX as a result of my appeal there was an additional amount due of {$240.00} due. I received a past due bill from the county.  I contacted my mortgage company on XX/XX/XXXX and was given an address to email the bill and was told it would be taken care of. Well it hasnt. I called back about 10 days later and spoke to a XXXX who advised that she had escalated it and that it would be taken care of by XX/XX/XXXX.  Still not handled. I called yesterday XX/XX/XXXX and spoke to XXXX. She said I didnt have any past due taxes. I explained the situation to her again and she advised that if it was approved it would be paid within 5 days. I asked to speak to a manager. I spoke to XXXX and she advised that she would send the information again and that it would take 5 days but told me that she would contact me today. I heard nothing. I have an escrow account with them and they are not taking care of this issue.
Product: Credit card

I've consistently upheld timely payments on this account, ensuring they are never overdue. I'm puzzled by the presence of late payment remarks on my accounts. Per 15 USC 1666b - Billing Error, corrections should be made.
Product: Credit card or prepaid card

On XX/XX/XXXX, I placed an order with XXXX in the amount of {$170.00} which was not delivered. ( Order # XXXX ) XXXX tracking ( XXXX ) shows it was returned to the sender. XXXX did not notify me of the issue. The item was a XXXX gift and I did not become aware of the issue until XX/XX/XXXX. This FIRST order included a credit of {$21.00}. On XX/XX/XXXX I placed a SECOND order ( Order # XXXX ) for a similar item in the amount of {$170.00} so that my daughter could have her XXXX gift, and this item was delivered on XX/XX/XXXX. I contacted XXXX and asked for a refund for the first purchase. They also agreed to apply the previous credit TO THE SECOND ORDER. They immediately issued amount of the credit to the second purchase, XXXX ( XXXX plus CA sales tax ) because the original purchase had this discount. However, they said they would not issue the refund of {$170.00} until they completed an investigation with the shipper. XXXX at XXXX ADVISED ME TO DISPUTE THE CHARGE. The Performance Lead ( XXXX ) at XXXX documented these statements in an email which I provided to my credit card company with my other documentation. XXXX still has not refunded the full amount of the undelivered purchase because apparently they have no internal system of dealing with their errors. The credit card company ( Fidelity Investments through Elan Financial Services ) is taking XXXX 's word that the refund of {$21.00} was towards the FIRST order rather than the SECOND and will not refund the full amount. I am asking that I be made whole in my dealings with XXXX, a company which has not followed through on its commitments and has no internal processes to protect its customers from unnecessary grief and hardship due to their sloppy and incompetent performance. The FTC says the seller of an item which is not delivered must refund the payment to the buyer and deal with the shipper separately. XXXX is in violation of this law. I provided Elan Financial Services with FULL DOCUMENTATION on this matter, including email, purchase receipts, and tracking information, and they still have not issued a complete temporary credit to my account while they wait for XXXX to approve the credit. I am asking that Elan Financial Services properly apply the {$21.00} credit to the SECOND Vitamix charge and refund the ENTIRE {$170.00} for the UNDELIVERED FIRST PURCHASE. 

I paid for a replacement gift for my daughter because of the XXXX holiday. Otherwise, I would have waited to work out the details with XXXX over the phone before placing a second order. No one answered the phone at XXXX when I decided to place the order in the hope that the item would arrive while we were still visiting with my daughter. Needless to say, it took XXXX weeks for delivery, so all was in vain. Just because the XXXX order was never delivered does not erase that credit.
Product: Credit card

On a transaction dated XX/XX/2023 I was scammed {$190.00} in the beach in XXXX XXXX XXXX using tap to pay. I almost instantly noticed this scam and reported it to Apple Card hoping that this swiftness would help my case. I have gotten in the phone with them multiple times, reopened the claim 3 times, told my story via email and over the phone countless other times. Despite providing all the evidence that I possibly can, Apple Card/Goldman Sachs continues to not only deny the claim but not even look at the details of an obvious scam. 

The whole point I use a credit card overseas is to protect myself from things like this happening. In the few times it has happened, my credit card company has timely and efficiently resolved the claim and gotten me back my money. This is the first time Ive ever filed a fraud claim and been denied and denied repeatedly. 

To others, dont use your Apple Card if you want any type of fraud protection, they will close your claim in the scammers favor and leave you hanging with the bill.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  investigation showed this account was to be deleted of my credit which XXXX did but XXXX and transunion still have not after ive disputed this with then countless of times. Ive attached files showing what account was deleted on my XXXX  report. That needs to be deleted off my transunion and XXXX. Thanks
Product: Credit reporting

I have been on a debt mgt program since XXXX-16 yet some of the credit card companies have been reporting me late. The XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX, and XXXX/XXXX.
Product: Credit card or prepaid card

On XX/XX/XXXX I received a request from Capital One credit card to fax my social security card because my account had invalid information. From XX/XX/XXXX to XX/XX/XXXX, I have faxed my social security card to several different fax numbers, supposedly at Capital One, and as of XX/XX/XXXX, was asked again to FAX the information to them as their file had Invalid Information ( whatever that means ). I advised each caller, and there were many since XX/XX/XXXX, that Faxing my social security card was not safe but I did fax it a total of 5 TIMES TO THEM. I have requested a final statement from them and to cancel my credit card with them effective XX/XX/XXXX and that I was reporting them for bad business practices.
Product: Credit card or prepaid card

I called in to get pay off balance and close my CC account with bank of america. The rep said I owed {$.00}, so I did an online transfer, which she saw, and said I didn't owe anything else and the account was closed. One week later I receive a bill for {$16.00}, so I called and they said I owed the money. I explained what happened when I closed the account, and the rep said the original rep was wrong, and I still owed the {$16.00} regardless. It's not the amount, it's the principal. I was told it was paid off and closed and now they are trying to get more money from me. It's just not right. I've been a good customer with no late payments and good credit, and I don't know what to do.
Product: Checking or savings account

I reported to Chase Bank on XX/XX/27 some unauthorized charges on my account. Among them there are XXXX transactions for the same amount. I received a temporarily credit which today was reversed. Upon calling the bank they said the transactions are valid because the merchant said they are! I was not provided with any documentation, i have XXXX the name of the merchant and also i asked to escalate the claim. I was told that Chase is not actually investigating but they direct everything to XXXX. I need an advise on where can i take this any further
Product: Credit reporting, credit repair services, or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX
Product: Credit card

I have been a credit card customer of Capital One for the past 8-10 years and my account was always in good standing. This is also actual my only credit card. I made an online payment over the XXXX XXXX holiday that due to the holiday and week-end time frame it ended up being 1-2 days late. Suddenly with no notice Capital One raised my interest rate from 3.77 % to a 23.15 % rate. This is a 20 % rate increase. I have a good credit rating and would never pay a rate this high. I now ca n't afford the monthly payment the minimum payment jumped to almost {$600.00} per month and I ca n't afford this. I have repeatedly called Capital One and was told there is nothing they can do. I even went into their XXXX MD branch their manager XXXX was trying to help me but when he called they gave him wrong info even telling him I never had a 3.77 % rate. That is not true my statement is the proof.
Product: Debt collection

This company is trying to collect nearly {$16000.00} on a {$7200.00} private loan debt from XX/XX/XXXX. it was with XXXX XXXX but they bought the debt in XX/XX/XXXX for a few hundred dollars. They sued me in XX/XX/XXXX, but never notified me of the lawsuit or even notified me that I owed THEM the money. I have court documents proving I was insufficiently served but Since i never knew about the lawsuit or court date, I did not show up and a judgement was made against me. I still was never notified of the judgement, or even made aware of the debt ( which had since doubled because of interest ) until last month ( 8 years later ) when my employer received a wage garnishment notice. The next day my bank account was drained, and so was that of my mother and father. I called the creditor immediately because i had no idea why these actions were being take, and the woman told me I must pay her {$8000.00} within 10 days or they will take {$200.00} a week from my paycheck and keep all the money taken from our bank accounts. She refused to tell me whether the statute of limitations were up, and told me to 'ask my grandma to take out a loan to pay them ' or 'ask my boss for money ' to pay them. This was extremely inappropriate and unprofessional. I told her I was getting a lawyer and she told me it was a bad idea because there is nothing I can do. The incessant phone calls and fake legal documents bombarded me and my family. Actions which could have been taken at any point in the last 10 years so i could have worked something out. I went on to get a lawyer, who sent a letter to the creditor saying they are not to contact me or may family and all communication should be through him. Yet every weekend the company sends 'notice of levees ' against me and my parents and continues to harass us. Not only were we under extreme economic hardship prior to their actions, it is now worse and taking a toll on my well being and the well being of my family due to their relentless attempts to strong arm money out of an already struggling family.
Product: Credit card or prepaid card

I have yet to find anyone to help me at Bank of America. I am getting the run-around from Bank of America employees and staff. A Bank of America rep has told me on multiple occasions that my fraud dispute is being investigated to no truthful answers. I was told by an employee of Bank of America to escalate the matter by calling the police. The police then told me that it was a postal inspector matter. The postal inspector 's office then told me it was a police matter. So here I am. I basically, opened a secured credit master card through Bank of America - and before I even received the card, {$1000.00} dollars had been spent without my even receiving the card. I reported the situation to B of A 's fraud department and that is where the runaround began. 
Please Help.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To Whom It May Concern, I am not liable for this debt with XXXX XXXX XXXX, I do not have a contract with JEFFERSON CAPITAL SYST, They did not provide me with the original contract as I requested. JEFFERSON CAPITAL SYST called me and said I have to pay that debt i told them that I refuse to pay because I am not responsible for this debt, i also told them to send me the original contract with my signature on the original contract that I signed but until JEFFERSON CAPITAL SYST, proved me with the original contract they have to remove asap from my credit reports. 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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt This item was purchased by a Third Party Debt Collector ( JEFFERSON CAPITAL SYST ). This account must be deleted as the status is not correct, the amount is not accurate, and the account was paid for less than owed by the Third Party Debt Collector. As you can see from my credit reports and highlighted issues. This information is NOT CORRECT & NOT ACCURATE. Therefore it must be DELETED IMMEDIATELY. Here is the account name : JEFFERSON CAPITAL SYST and Account number : XXXX for reference and incorrect amount also. How much did the collection company pay for this item? I don't know and neither does my credit report reflect such amounts. This is a clear violation of the FCRA as this is not accurate or complete. DELETE
Product: Credit card

Citibank had a promotion to get a credit card and if in the first months you use more the {$3000.00} they will give you XXXX miles. I called to verify that I had some of the miles because I spend over {$2000.00} and had over a {$1000.00} pending which it will be equivalent to {$3000.00}. When I called the lady that answer my phone call was not friendly at all she was talking very loud and did n't honor the promotion and said that even if I spent {$3000.00} I will not get the miles, I asked to speak to the supervisor and again he was talking very loud, all this conversations were in XXXX so they think that just because I asked to speak in spanish they think that you need them to speak louder, that is very frustrating. So this supervisor called XXXX said again that " no I will not get the XXXX miles '' then I said why is Citibank promoting something that is not true! Then he said " Oh yes you Will Get the XXXX miles by XX/XX/XXXX '', because I had spend over {$3000.00}. Then I asked for some sort of confirmation and he said that it was not needed. I called last night XXXX XXXX and spoke to a lady that talked super loud and she said that I was NOT going to get the XXXX miles. I can not believe that they have such a poor customer service and more severe false advertisement. Please help me with this situation. Thank you for your attention in this matter. 

XXXX