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

Date contact : XX/XX/19 by XXXX XXXX of Credit Advisors. They were referred to me by the XXXX. This company portrays itself as a 501 ( c ) ( 3 ) not-for-profit when they are clearing in it for the profit. Before even asking me about my request or what I need help with they requested all my debt balances and other sensitive information to " calculate '' my payment to them. This company is like many others to scam people into paying them for the advice of settling debts through destroying your own credit. You can see in my attached email where he mentions " correct terms of the creditor ''. When I contacted them I didn't even ask about this type of service. I hope my complaint helps people from making the mistake of going through this company.
Product: Mortgage

Dealing with Ocwen loan servicing and have been denied loan modification and multiple sending of paperwork and struggles with them is discouraging. I ca n't afford an attorney to do my modification for me, if I could, I probably would n't need a modification. They are crooks that just try to string people along and force foreclosure. my income was reduced due to hours cut at work from 40 to 30 and I could pay a modified payment. Denied and not helpful at all with any suggestions.
Product: Credit card or prepaid card

Banco Popular continues to commit fraud by misrepresenting themselves as XXXX XXXX in a letter addressed to me in XXXX informing me that my card was going to be cancelled in XXXX but they didnt cancel the card or Freeze the card online as I had requested and instead allowed a charge to go through that resulted in late fees that they now refuse to remove so the account can be closed. A XXXX balance is not possible to achieve with this Parasitic Lender because they have devised their payment system to charge interest after the statement due date. For example, my statement balance is due on the XXXX and if I dont pay it by then I will be charged a late fee but the interest charges are placed on the card on the XXXX several days after you think your balance is at XXXX. If you missed the small interest charge it will result in a late and a missed payment fee. If you pay the interest by the statement date on the XXXX their will be yet another interest charge on the XXXX the cycle will continue in perpetuity. Banco Popular is just XXXX of the XXXX Parasitic Lenders that have attached themselves to me. And this is not just true for me but every single customer these Parasitic Lenders attach themselves to.
Product: Credit card or prepaid card

Hello I have been trying to get the money back that was took out of my account. For about a year and a half I've been filling claims for reconsideration with no resolution I faxed Police reports proof I was frauded out my money. Out of XXXX I probably got XXXX of it before my card keep getting locked and had to drive to the closest bank of America to get it unlocked and everytime my account would be drained over and over it kept happening Wich put my homeless for almost four months until I moved back in with family... I have hundreds of denial letters for claims, I've sent everything they asked for. They had my account mixed in with someone else in account in XXXX California and I had his claim numbers and I was literally fighting for his claim to be reimbursed His name was XXXX XXXX XXXX. XXXX is XXXX XXXX XXXX. Thank you for your time
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit file, incorrect information was found in my reports. The 3 Credit Bureaus have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX XXXX XXXX XXXX XXXX Inquiry Date XX/XX/202XXXX XXXX XXXX  Inquiry Date XX/XX/2020 XXXX XXXX XXXX  Inquiry Date XX/XX/2020
Product: Debt collection

I'm a victim of anti theft, I do have a fraud alert at my Credit Report and is freeze because all the awful things people are doing to my credit. Even stolen money from my bank account. I did a Police Report explaining all about what happened to me with proofs. I also contact the Company from XXXX XXXX and I did send a copy of my Police Report and also spoke with an employee from the fraud division, this account was never ever mine, they do remove it from my credit and now is back again on it for God sakes. I'm a woman of XXXX XXXX XXXX and XXXX. I lost once my id 's and because of this, I'm having a lot of problems or accounts that dont belongs to me, people are doing a lot to my credit, this is one of them.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX   has my personal information incorrect, so I can not get a loan, a place to live, and I have lost a hard job offer because of this. I have submitted certified copies of bills, birth certificate, and social security cards to them, and they " lost them. '' I have been on the phone for hours with people who do n't speak  XXXX .   TransUnion just performed an investigation and removed  XXXX  of  XXXX  charge-offs from my account. My  credit score dro pped  XXXX  points over night, and again, no one at TransUnion can speak  XXXX  or help me figure out how removing charge-offs causes a  XXXX  point drop.
Product: Credit reporting, credit repair services, or other personal consumer reports

Calvary Portfolio threatened to sue me via XXXX XXXX. I settled the debt on XX/XX/2018 with the agreement that they will remove the threat to sue as well as the account from my credit reports. No changes have been made.
Product: Checking or savings account

Capital One Checking : On XX/XX/XXXX, I had a balance in my Capital One Checking account of {$2.00}. 
On XX/XX/XXXX, I received a wire in the amount of {$39000.00} thus making my balance {$39000.00}. 
On XX/XX/XXXX, my account was frozen leaving a balance of {$7000.00} As of XX/XX/XXXX my current balance is {$7000.00}. 
Ive called at least 20 times and each time was the same- under investigation. 
Capital One is claiming that a previous wire I received for {$22000.00} on XX/XX/XXXX was being recalled from a third party, ( not the party who sent it to me ) claiming fraud. On XX/XX/XXXX, my balance was {$.00}. 
Since XX/XX/XXXX, there were other smaller deposits. 
Since, the {$22000.00} was 100 % spent and since I have no way of knowing the senders source of funds and since it was a month previous, Capital One is essentially taking funds from my real estate closing from my XX/XX/XXXX deposit. 
They have no right to take my money from subsequent deposits. Where does it end? 
How far back are they allowed to go back? 1 year? 5 years? 10 years? 
How can it possibly be my responsibility to obtain the source or nature of others funds? This is ridiculous. 
Capital One is refusing to release my {$7000.00} from my recent real estate transaction. This is theft!
Product: Debt collection

Synchrony Bank charged off an account that I had through Ashley Furniture. There were no missed payments and no documentation sent stating there was an issue with my account. 
I recently received a letter from the law offices of XXXX XXXX XXXX XXXX. stating they were attempting to collect a debt on behalf of XXXX XXXX XXXX. A debt that was apparently sold, without my knowledge, by Synchrony Bank. I have never received any documentation from Ashley Furniture, Synchrony Bank, or XXXX XXXX XXXX. 

Attached is a copy of the letter from XXXX XXXX XXXX XXXX.
Product: Vehicle loan or lease

I decided to end a loan request with the dealership/sales team. I was able to complete this cancellation. However, the company completed the process of direct billing from my checking account for {$190.00} shipping and {$500.00} BEFORE they approved the loan completely. I have an attachment from the sales unit apologizing for the sketchy process and advising me they will not return my money until XXXX to XXXX business days. Mind you these funds have cleared my account and have been finalized leaving my account in a negative ( attachment provided ). 

Finally attached are requests proving the requirements were NEVER completed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was going through my credit file I noticed XXXX XXXX from XX/XX/2018. I have no knowledge of this. I did not sign any paperwork with the company in question. This is fraud and done without my consent. I am taking action now by coming directly here to solve this problem.
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 USC 1681. 

XXXX XXXX  Acct Number XXXX XXXXXXXXXXXX XXXX XXXX ACCT Number XXXX XXXXXXXX XXXX XXXX XXXX ACCT NUMBER XXXX XXXXXXXX XXXX XXXX Acct XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Acct Number XXXX XXXX BANKRUPTY COURT XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX HAS VIOLATED MY RIGHT. 



: 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 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 or prepaid card

I made a purchase of a computer component for {$490.00} in XX/XX/XXXX that was on back-order. The vendor stated the component would be delivered within XXXX weeks of the date of purchase which I was okay with. After waiting what would be a reasonable amount of time, I reached back out to the vendor who stated there would be a further delay. I requested a refund at which point I received an email confirming that refund. However, I never received the funds back into my credit card account. At this point, I realized this company was clearly committing fraud by taking people 's money and telling them there component would eventually get there but never intending to deliver the product. I reached out to Chase, the credit card company that I used to make the purchase. 

I submitted the documentation they requested on XX/XX/XXXX according to instruction given to me by Chase, but the initial dispute was denied 'automatically ' because I was outside of 30 days from when the charge posted to my account and was told that this was done to 'encourage customers to report fraud early '. I had numerous phone conversations explaining the situation, sent all of the documentation that was requested, but never received assistance in resolving this fraudulent scenario despite sufficient evidence and effort ( receipts, email stating a refund would be submitted, and communication with the vendor ). I appealed the decision on the dispute XX/XX/XXXX with a formal letter as suggested by the customer support representative, but never received further communication on the topic.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Balance : {$22000.00} - You are reporting inaccurate information as the past due balance is wrong. Updates or rather delete this erroneous account. 

XXXX XXXX XXXX Balance : {$510.00} - This account is indexed as a charged off account, please make sure that you produce a documentation that this is mine. As per the rights given to me by the fair credit billing act if you can not grant these records to me, instantly get rid of this incorrect posting. 

XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$5300.00} - This account has been transferred/sold, but you are still reporting this account with the original creditor. You are reporting this inaccurately. Delete Immediately. 

XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : $ XXXX Account is reporting inconsistencies and inaccuracies. Open Dates are showing different dates at each bureau.
Product: Mortgage

Covid Assistance program, with Chase Mortgage and then sold to a severing company. XXXX. Went on covid assistance in XX/XX/2020, with Chase. They told me that my mortgage was XXXX XXXX and they would take any payments will be put on the end of mortgage end of covid assistance and my payments should continue as normal. The mortgage was then even to spserving. Covid assistance ended XX/XX/2020. Thats when asked to modify my mortgage and start normal payments. I sent all of information to them that was needed. They have said they can only do a repayment plan thats over {$1000.00} per month more than normal payment {$2600.00} per month, normal {$150000.00} per month. This not any assistance program. They all so said that foreclosure should start in 30days.
Product: Checking or savings account

Chase Bank froze my account because THEY misunderstood my son 's inquiry into a previous UNRELATED joint acct. I got my daughter to investigate the problem for me. They would not speak to her even though I gave permission. 
We went to get a notarized Power of Attorney. They REFUSE to honor it! 

This is not the first time this has happened. More than 20 years ago Chase added illegally fees for services to my account they claimed I asked for. I did not. 
They then claimed my dead husband had. He had not. It's sexist & condescending. 

In current problem Chase Bank also claims they are just " trying to protect me ''. Again insultingly condescending in order to cover their predatory practices. 

Chase also blocks any attempt to resolve the problem by blocking our combined ( Mine, my daughter 's & my son 's ) efforts to communicate with them. We get put on perpetual loops of go talk to 'x " go to 'y ' no go talk to 'z " We have spent more than 40 hours trying to talk to someone!!! 

( Final insult was they use threatening tone to say we are recording you & will use this. When we say " ok and we are recording you ' They refuse! ) The POA was meant to bypass those blocks so my daughter could speak on my behalf. They're blocking that & any other efforts to unfreeze more than $ XXXX that they refuse to release nor discuss!
Product: Credit reporting, credit repair services, or other personal consumer reports

accordance with the Fair Credit Reporting act XXXX XXXX XXXX, has violated my rights. 
5 U.S.C 1681 section 602 A. States I have the right to privacy.

5 U.S.C 1681 Section 604 A Section 2 : It also states a consumer porting agency can not furnish a account without my written structions 5 U.S.C 1666B : A creditor may not treat a payment on a credit caro count under an open end consumer credit plan as late for any sLigost
Product: Credit reporting or other personal consumer reports

I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to XXXX XXXX  and XXXX XXXX
Product: Debt collection

A debt collection agency in New Jersey is contacting my family member to tell them that I owe {$3000.00} to Citibank. I have asked them to remove the number of my XXXXyear-old mother who lives XXXX miles from me - but they continue calling her every day. I owe the debt but am currently unemployed. The caller uses a threatening tone and makes vague statements to my mother - but hasn't left a voice message or call for me. In XXXX I asked the to stop this. They continue. 

Previously a woman was calling and I told her not to call my family. The calls stopped. However this week a man named XXXX has called my mother every day. I have spoken to him and told him this was harassment and he agreed. But the calls have not stopped. 

XXXX - XXXX
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 USC 1681. 

Account Name : XXXX XXXX Bankruptcy Account Number : XXXX Account Name : XXXX XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 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 reporting or other personal consumer reports

1 ) Theres inaccuracy data on my credit report theres a collection from XXXX XXXX XXXX for {$120.00} that I dont have no knowledge of. XXXX XXXX XXXX XXXX XXXX is reporting this debt as well that dont belongs to me. Original Amount Owed. Ive never rented or lease with this company or had any agreements.

It says original amount {$110.00} and now is {$120.00}? 
Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Creditor Classification RENTAL_OR_LEASING I need this account deleted from my file. 

2 ) XXXX  XXXX account charged off {$870.00} ; this account was closed and charged off and I never received a 1099c or validation letter. This account needs to be remove immediately. Account # XXXX XXXX ) XXXX # XXXX is showing charged off account but {$0.00} balance this needs to be off my credit report as well for incorrect reporting. 

4 ) XXXX XXXX # XXXX charged off for {$160.00} no knowledge of this account incorrect reporting no validation letter if 1099c.

Please investigate these accounts and delete from my credit file. Thank you
Product: Credit reporting or other personal consumer reports

My account with Equifax 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 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.

Equifax Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion has not properly investigated the items below. I am requesting they be removed from my report pending a thorough review. 

ACCOUNTS XXXX XXXX ****XXXX never late XXXX XXXX ****5445 inaccurate COLLECTIONS XXXX XXXX XXXX ****XXXX not mine
Product: Credit card

American Express ( Amex ) failed to follow their letter dated XXXX/XXXX/2015 ( copy attached ). 

I am in full disagreement with Amex 's failure to transfer XXXX earned points from my closed Amex account # XXXX to my open Amex account # XXXX ( copies to follow ), because Amex stated in their XXXX/XXXX/2015 letter, " that as per the MR Terms and Conditions if you cancel your enrollment in the program and do n't keep open any American Express Cards, all points in your program account will be immediately forfeited ''. The key word in this quote is the word " any '', which pertains to my open Amex account XXXX On XXXX/XXXX/2015 I advised Amex in my letter ( copy attached ) of this open Amex account. 

Amex needs to transfer my earned XXXX points to my open Amex account XXXX per their terms and conditions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have written letters toXX/XX/XXXX and TRANSUNION in compliance with the CRA on XX/XX/2020, again on XX/XX/2020, and on XX/XX/2020. 
They have failed to remove information that was affiliated with personal details that were challenged in the past, along with none verification from the collection agency XXXX XXXX XXXX ) Acct # XXXX I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

On  XXXX   XXXX ,  2017  at  XXXX , central time, I sent a multiple inquiry dispute letter to Equif ax to  dispute  XXXX  hard inquiries that was being report. Equifax received the letter  XXXX   XXXX ,    2017  and complete the process on  XXXX   XXXX ,  2017 ! How can Equifax complete a thorough investigation by contacting all  XXXX  companies, getting their paperwork WITH MY signature, because I have n't applied for credit, employment, or insurance and make a decision  in ONE DAY? I received the same response for all  XXXX  hard inquires, which was, " inquiries are a factual record of files access.   If you believe it 's unauthorized contact the creditor. '' According to the FCRA rules, 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it states that any information can be disputed and must be investigated and if you do n't investigate and respond the credit reporting agency,  which is Equifax, must remove the disputed information from it 's files. The fact that Equifax came to a conclusion a day later, one can only assume that their was no investigation to any of these  XXXX  hard inquires. I will upload supporting documents below showing the date when the dispute was received and the letter from Equifax with the date the lack of investigation was completed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I been trying to get XXXX to update my address since 2020, Equifax has inaccurate information on my report since 2020, XXXX has inaccurate information on my credit report since 2020. I have paid credit repair company to repair and remove those inaccurate information, I cant get approval for a mortgage until I take care of this. Now going on the third year. This is insane.