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

In XXXX and XXXX of XXXX, I filed a dispute with this credit bureau about the unverified U.S. Bankruptcy Court case number XXXX andXXXX. In those 2 months I have asked numerous times for a response into their investigation and I have not received anything in response from this bureau in over 2 months.. So now I'm contacting the CFPB to step in and help me get this issue resolved because I have not received a response from this company about these unverified accounts as of today. Thank you
Product: Checking or savings account

I received a check from regions saying that after reviewing your account we found XXXX or more in of which you were paid in overdraft fee under the circumstances between XX/XX/XXXX to XX/XX/XXXX are we refunding the paid fees as part of recent resolution, I received a check for XXXX I presented it to the bank past the XXXX days and they will not issue the refund it was denied
Product: Checking or savings account

We run a seasonal rental property business. We deposited a payment for a guest of ours on XX/XX/year>, for {$2700.00}. The check was dated XX/XX/year> and was from their credit union. The funds were deposited into our LLC at Chase Bank. 
Approximately 2 months ago when the tenants sent over the final payment for the short term rental. We noticed we could not locate the original deposit. We contacted the tenants who were able to provide proof that the funds were withdrawn from their account. 
The saga begins when I contacted my Banker at JP Morgan Chase. They first refused to open an investigation stating that it wasn't their responsibility that the payer of the funds had the responsibility to launch a review to document the trajectory of the funds from their end. 
The tenants opened a review on their end with their credit union which once again corroborate that the funds were transferred to Chase. After insisting that they open a review of the matter JP Morgan Chase agreed. They found a copy of the check but said they couldn't tell me where the funds went and there is nothing further that can be done. 
How can a bank take your deposit and lose it and not be responsible for it?
Product: Mortgage

Contract we signed with Cross Country Mortgage states payments during construction phase and first year may go as high as {$1200.00} and second year as high as {$2500.00}, years XXXX {$2400.00}. Most recent bill is {$1700.00}. The house is not complete. It is still under construction. It is still year 1. We have not assumed possession. We based our ability to buy this new residence on the quotes given us for monthly payments. Cross Country Mortgage is denying responsibility for the quoted rates stating is your agency that insisted they include the figures.
Product: Vehicle loan or lease

On XX/XX/2019, I notified Chrysler Capital in XXXX XXXX, TX, that since my loan through them had been refinanced, I wanted reimbursement for the balance of the gap insurance and other add-on services I opted for at the time of purchase. They responded : " If you purchased credit insurance or any other ancillary product ( i.e. GAP ) in connection with the purchase of your vehicle, you may be entitled to a refund of unearned premiums. Please contact the original seller for details about recovering unearned premiums for credit insurance or any other ancillary product. I then wrote to the XXXX XXXX dealership, and they eventually refunded the add-on reimbursements, but said that Chrysler Capital would refund the gap insurance. After waiting for some time, I wrote to Chrysler again on XX/XX/XXXX, and asked them to refund it ASAP. I have received no response from them, and no reimbursement.
Product: Credit card or prepaid card

XX/XX/XXXX To Whom it May Concern : My family received XXXX gift cards in the amount of {$100.00} each form my father who lives in XXXX XXXX of XX/XX/XXXX. Since the receipt of those cards, we have all opened our package at different times, out off all XXXX, only XXXX has not been compromised. 
I have sent communication on XXXX of XXXX cards that were compromised since XXXX to present, with back up of receipt, ID, package and card, etc. You have verbally taken my claim on XXXX of the cards and have submitted new ones in my name for replacement. I say this as I no longer have the originally receipt on hand as at the time the XXXX card was not opened to verify if it was used already. 
If you can please look in your records under my name for past receipt that would verify my claim, along with the below information to indicate what I am saying as to when it was purchased. We did not use this card on the time or location listed below. 
Thank you for your time and consideration in this matter XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The company Peak Legal Advocates XXXX XXXX XXXX # XXXX XXXX XXXX, CA XXXX Main Number : ( XXXX ) XXXX I join this Debt Settlement Company XX/XX/2016 Mr. XXXX XXXX XXXX signed me up. I had reservation about this company but Mr. XXXX convinced me that this debt company would be good in helping me with my creditors. To make a long story short Mr. XXXX no longer worked at this debt settlement company and my creditors information was passed on to people that stole my funds that was suppose to payoff my creditors. Please I do not want to explain my complaint through this email so please contact me so that I can submit my documents showing proof how I was defrauded by Peak Legal Advocates. 

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

Im submitting a complaint to you today to inform you I was the victim of identity theft. It appears that my credit/my file/my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any account or information which is found to be opened due to identity theft. The dispute item do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove this file. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) ( B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States XXXX XXXX XXXX, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Experian is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotional, physical & financially. 
and the bank 's records ( learned through more research both parties require ). Please block/remove this files. If you feel there is a possibility this account belong to me I require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. This account ( s ) is unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on this account is a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 

XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX XXXX Date Opened : XX/XX/2015 Balance : {$18000.00}
Product: Debt collection

My identity was used with XXXX and I have been receiving collection notices from them and now Convergent ( debt collector ) to collect a balance owed on the fraudulent account. The account number with XXXX was XXXX and opened in Illinois. I currently reside in NJ and have done so for the near entirety of my life. The e-mail address they used was XXXX, which is not my e-mail address. I'd like for this to be removed from my credit report so that it doesn't continue to harm my credit score.
Product: Credit reporting or other personal consumer reports

I am in disagreement with the items listed below which still appear on my credit report, even after my Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 
The following inquiry was not and should not be reporting XXXX XXXX XXXX XXXX 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

the account was paid in full XXXX to collection agency. The account is still stating that it is past due/unpaid on my credit report. I called the collection agency about the situation and they are very rude and disrespectful to clients. I requested for a paid in full letter and a request to update my credit report.
Product: Credit reporting or other personal consumer reports

I have already filed a report with the Federal Trade Commission ( FTC ) concerning the unauthorized reporting of my personal information, which I believe amounts to identity theft. The FTC has provided me with a reference number for this report, which is [ XXXX ]. 


Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX UNAUTHORIZED INQUIRES XXXX open date XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please UPDATE the following accounts completely from my Credit Reports : XXXX  XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX
Product: Credit card or prepaid card

Citibank which operates financial services for the MyBestBuy card offers 18 month 0 % interest financing when making purchases. The problem is they intentionally apply payments towards the other non-promotional balances on the card. They never explain to anyone at any point that the entire 18 months will go by with all payments only going towards the other balances. What that means is I was just hit with {$3000.00} dollars of interest from promotional balances that I thought I was paying off. Again, never was explained to me that I must specify to them what balances I want my payments to go towards. They said they apply payments towards these amounts when the promotional balance is 2 months from expiring. Why would they be able to make that choice then but not earlier?
Product: Mortgage

I applied for a Home Equity Line of Credit on XX/XX/2022 with Bank of America ( BOA ), and the process has been very draining, I was told the process usually takes XXXX weeks ; however, we are now in XXXX and still going through the process. I was asked for several documents including Tax returns, home information, and financial documents which I submitted ; however, they would come back and ask for additional information. This file was supposed to be completed in XXXX to lock in the interest rate that was agreed upon in the beginning ; however, that date was missed because they needed additional documentation. I sent the documentation and everything was sent to underwriting, however, they then informed me there was a Lien on my property due to a home assistance loan I received when I first purchased the property. At first, they couldn't tell me who the lien was from and I had to go and search and find out how to get it taken off, after numerous inconsistencies I finally found out how to get the lien taken care of. BOA finally told me two weeks ago that my loan was taking too long and that they would have to close the file until this was taken care of. I'm in the middle of having to get this done ; however, all of this information should have been checked and provided to me in the beginning. Now they are saying they will need to restart the process and I won't be able to get the interest rate originally discussed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax ; XXXX and XXXX  should not be reporting a collection/chargeoff in the amount of {$1600.00} on the XXXX partial account number XXXX. ( Please see pages attached from my credit report, along with a copy of my Drivers License and W 2 for  identification purposes to investigate this complaint. ) I have attached a copy of the payment history for reference showing this account has been paid and there nothing to collect and/or chargeoff. This account needs to report a {$0.00} balance. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This false reporting of a collection/chargeoff is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to fix this however, I have not been successful.
Product: Credit card or prepaid card

My chime card was used fraudulently for withdrawals after my first dispute chime denied it and we are now on my second dispute. I have bills due they do not care about.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 I wrote to XXXX XXXX XXXX in regards to them saying I owe them {$400.00}. I requested " validation '' that is competent evidence bearing my signature, showing that I have some contractual obligation to pay them. And on XX/XX/2018 I received a itemized bill instead of evidence bearing my signature. So on XX/XX/2018 I  wrote XXXX, Equifax. XXXX  informing them that they have failed to provide me with a copy of any viable evidence, bearing my signature, showing that the account is being reported accurately. I asked them to provide the name, address, and telephone number, of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature. As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. And on XX/XX/2018 they sent another itemized bill stating this account in questioned has been " verified ' with no viable evidence bearing my signature showing the account is reporting accurately. I also wrote XXXX XXXX XXXX on XX/XX/2018 in regards to them saying I owe them {$260.00}. I requested " validation '' that is competent evidence bearing my signature, showing that I have some contractual obligation to pay them.And on XX/XX/2018 I received a itemized bill instead of evidence bearing my signature. So on XX/XX/2018 I wrote XXXX, Equifax. XXXX informing them that they have failed to provide me with a copy of any viable evidence, bearing my signature, showing that the account is being reported accurately. I also wrote XXXX  on XX/XX/2018 in regards to them saying I owe them {$40.00}. I requested " validation '' that is competent evidence bearing my signature, showing that I have some contractual obligation to pay them. And on XX/XX/2018 I received a itemized bill instead of evidence bearing my signature. So on XX/XX/2018 I wrote XXXX, Equifax. XXXX informing them that they have failed to provide me with a copy of any viable evidence, bearing my signature, showing that the account is being reported accurately. I also wrote XXXX XXXX on XX/XX/2018 in regards to them saying I owe them {$980.00}. I requested " validation '' that is competent evidence bearing my signature, showing that I have some contractual obligation to pay them. And I haven't received any information. I recently checked my credit report and I see they our reporting this debt from XXXX in the amount of {$450.00}. These accounts are not mine and I would like it removed.So on XX/XX/2018 I wrote XXXX, Equifax. XXXX informing them that they have failed to provide me with a copy of any viable evidence, bearing my signature, showing that the account is being reported accurately. I ALSO WROTE THEM ABOUT XXXX XXXX AND XXXX XXXX IN WHICH I HAVENT RECEIVED NO UDPDATE! I WROTE TO XXXX, EQUIFAX, AND XXXX ABOUT THESE UNAUTHORIZED INQUIRIES REPORTING ON MY CREDIT REPORT. I WOULD LIKE ALL THIS INACCUARATE INFORMATION DELETED OFF MY CREDIT REPORT IMMEDIATELY!
Product: Credit reporting or other personal consumer reports

CAPITAL ONE AUTO FINANCE BLATANTLY VIOLATES SEVERAL FCRA regulations. CAPITAL ONE AUTO FINANCE account was CHARGED OFF on XX/XX/XXXX but CAPITAL ONE AUTO FINANCE continues to report it as a charge off every month in this manner updating it monthly. Not only that it also add additional charges/fees after charge off, so balance keeps Charge off account should not have any updates after it was charge off. This inaccurate information falsely manipulates statute of limitations, and proves that CAPITAL ONE AUTO FINANCE deceptively report incorrect information to credit agencies. Despite being charged off, CAPITAL ONE AUTO FINANCE has failed to provide me with a 1099-C form, as required by IRS code 4681. Additionally, CAPITAL ONE AUTO FINANCE has violated the GLBA ( 15 U.S.C. 6802, also known as section 502 ( b ) of the Gramm-Leach-Bliley Act ) by failing to provide me with a clear and conspicuous notice of their intent to share my nonpublic personal information with nonaffiliated third parties. This coincides with 16 CFR 313.7 ( Form of opt out notice to consumers ; opt out methods ) 16 CFR 313.10 ( Limits on disclosure of non-public personal information to nonaffiliated third parties ) and 248.124 ( Reasonable opportunity to opt out ) Furthermore, XXXX has violated my rights under the Privacy Act of 1974. The Privacy Act of 1974, as amended, 5 U.S.C. 552a, establishes a code of fair information practices that governs the collection, maintenance, use, and dissemination of information about individuals that is maintained in systems of records by federal agencies. A system of records is a group of records under the control of an agency from which information is retrieved by the name of the individual or by some identifier assigned to the individual. The Privacy Act prohibits the disclosure of a record about an individual from a system of records absent the written consent of the individual.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was recently looking at my credit report and I noticed a bunch of negative Inaccurate information on my report I disputed this information with the bureaus XXXX XXXX transunion. It has been over 60 days sense I sent those letters out containing where I want investigated and removed I still have not heard anything from either one of them. Ive been more than patient due to Covid in the election going on. I sent these letters on XX/XX/2020 Im reaching out to the CFpb to get this done please get this done
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi My name is XXXX XXXX and I pay monthly fee with experience for {$24.00} a month to monitor my credit to monitor my on line activity etc.. I have yet even with the paid membership even retrieves my cycle score with either XXXX XXXX or XXXX. The reason why I got the credit monitoring with due to after the 2017 XXXX  breach that's when I've been having issues with my devices and my personal private information exploited and sold to White collar criminals. My information was found in the dark web email telephone numbers you can addresses to even like children and my other family members you are deceased and no longer with us. If you're able to get back to me with some type of guiding hand or an some information or stepping stone and how it could go about to resolving this matter I mean even my credit report is written with mistakes and none of the major banks have any hard copies of increase into my credit report. I have {$2400.00} total of debt and my credit score. And my credit score is it available which I don't understand why yes I did inquire to XXXX  and they had said that due to the lack of prior credit and the unestablished credit needed for credit score which doesn't make sense to me even people with bad credit have a credit score whether it's to bring some XXXX to XXXX. If you're able to get back to me my email is XXXX and my telephone number is XXXX thank you very much have a good day
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently reviewed a copy of my credit report in ( BUREAU ). It indicated that the credit inquiries were made by the credit companies listed below. However, these inquiries were not authorized by me. Therefore, I am writing to dispute these inquiries and have it removed from my credit report. XXXX XXXX XXXX XXXX Date XX/XX/XXXX  and XXXX XXXX Inquiry Date XX/XX/
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm currently a customer of Capital One and I have a credit card with Capital One called XXXX XXXX. The last four digits of the card is XXXX. I was told by a customer service representative that my account should report to all three credit bureaus. Unfortunately, this particular account is only reporting to XXXX, XXXX, and not XXXX. Can you please make this adjustment because it's affecting my overall credit utilization with XXXX?
Product: Mortgage

I made a payment through the automatic online system and it could not be collected for unknown reasons, I have always paid with the same bank account and the money was in the account, I sent the evidence that it was a system problem, this payment was in XX/XX/XXXX and they put a 30-day late payment on my credit report. It happened again in the payment of XX/XX/XXXX and as it was pending I notified it the same day, and not only did they not charge it, they made a debit of {$10.00} for not being able to process the payment, and the money was in the account, that is why I asked them to remove the delay in my credit report and return the {$10.00} collected and they refused
Product: Checking or savings account

( BofA : Debit card XXXX was declined because the CVV was entered incorrectly. ) I received this message and I have to go through the process of order a new card. Change password because my information it's compromise. 
This has happened before. It seems like a personal information breach. Bank of America is not doing anything to protect its customers.