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

Capital One paid 14 fraudulent checks that were presented to them on our business checking account starting on XXXX for 2 weeks. The amounts were {$250.00} x 6, {$680.00} x 3, {$540.00} x 3, {$130.00} x 2 for a total sum of {$5400.00} All had check numbers that were previously paid by the bank and never should have been paid a second time. The fraudster " washed '' the checks to change the Payee name and amount, and many were identical to each other. Cap One just kept paying them, some even AFTER we notified them of the fraud. We learned of this on XXXX and notified them of all checks, dates, amounts, payees and that these were old check numbers. To date they have not refunded {$3300.00} of our money and continue to claim the matter is under investigation. We requested a report of their findings but instead we were transferred to numerous departments, are kept on hold for hours, and are then told that no one has authority to resolve the refund. Every other bank we have dealt with is competent and quick to resolve fraud claims, especially this fraud which is so obvious. Cap One staff are incompetent, uninformed, and unable to properly handle a fraud claim. We have several other large personal accounts at Cap One which will be closed as a result of this mishandling of our account.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following inquiries listed were not initiated by me ; XXXX XXXX XXXX XXXX XXXX XX/XX/22, XXXX XXXX XX/XX/22, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/22, XXXX XXXX XXXX XX/XX/22, XXXX XXXX XX/XX/22. 
The accounts listed on the report are fraudulent and were not initiated by me. I have no business with these companies ; XXXX, XXXX XXXXXXXX XXXX XXXX XXXX 
May have happened when losing my wallet I have reported them as identity theft
Product: Mortgage

I was told there was no hard credit pull. They, at that point, ran both mine and my wife 's credit with a hard pull. This is a violation of the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

Today, XXXX I received an email notice from XXXX XXXX about changes in it's privacy policy and extension of it to it's parent company XXXX. 

The changes are extensive and invasive, including but not limited to : * Device camera access * Device biometric data * Contact data * Data sharing with all XXXX platform partners, but no enumeration, limit or transparency as to what that constitutes. 

The email contains no opt out link, and the link to modify ones data settings redirects to try to install their application on mobile, which in turn attempts to gain the invasive camera, biometric, contact and general scraping of XXXX from the device. 

If the link is executed from a device they don't have an application for, it goes to their site where you can login, recover whatever sense of account they have for you if unknown, or create a new account. 

In my case, the account was created as part of consenting to a credit report background check for a rental agreement in XXXX 

Buried 3 links in, there is a button to limit some data collection by clicking an opt out button. 

There is no definition of what is and is not limited provided. There is no definition of their opt out in either their terms of service, or their privacy policy rendering it meaningless. 

The privacy policy and XXXX describe being able to delete your data, but the only data deletion option ( likewise 3 clicks deep ) is to delete your public user content on their site forums and reviews. 

Any attempt to modify the existing data they have for you to effectively remove it by changing it to nonsense throws a " we know that's not your name, if you've legally changed your name mail us here '' error. 

This is a violation of the Fair Credit Reporting Act, and by using their privacy notice email to deceptively market their mobile apps without any recourse to actually decline consent to the policy change with no marketing opt out link, they are also violating XXXX.
Product: Credit reporting or other personal consumer reports

My account with ( CREDITOR NAME ) was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in those account 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 XXXX days before the payment due date.

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

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

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

Delete the late payments from my consumer reports
Product: Mortgage

I purchased my home in XX/XX/XXXX. A couple months after moving in, the mortgage lender, XXXX XXXX started sending me offers to refinance my loan ; however, I ignored all refinancing offers since I had a pretty good XXXX. About a year later in XX/XX/XXXX, I requested to have my property insurance removed from my mortgage payment. The request was denied by the lender with the reason stated that your principal balance for the mortgage loan must be less than or equal to 80 % of the original appraisal value. Ironically, one of the other reasons that my request could have been denied was you must not have completed a prior mortgage loan modification. Furthermore, an escrow analysis that was done in XX/XX/XXXX showed that I had a surplus of {$1100.00}, which was subsequently refunded to me. My mortgage was then transferred to Freedom Mortgage in XX/XX/XXXX, and my mortgage amount was increased by this lender supposedly due to an escrow shortage. When I inquired why my mortgage amount was greater when my home insurance actually decreased, the response was that the lender would not adjust payment if the difference is less than {$500.00}. Nevertheless, Freedom Mortgage made it a point to inform me on an ongoing basis that I could take tens of thousands of dollars out due to the equity in my home, thereby resuming attempts to get me to refinance or modify my original loan. These two companies do not seem to have learned anything after being reprimanded for prior misconduct, which is very similar to the actions that I have reported here.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these reported items are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/21, I was shown and applied for an apartment at XXXX XXXX XXXX XXXX, Application ID : XXXX. I never received a notice of denial nor a specific reason for denial. Pursuant to The FCRA 615 ( b ) : " Whenever credit for personal, family, or household purposes involving a consumer is denied or the charge for such credit is increased either wholly or partly because of information obtained from a person other than a consumer reporting agency bearing upon the consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of 72 615 - 15 U.S.C. 1681m living, the user of such information shall, within a reasonable period of time, upon the consumers written request for the reasons for such adverse action received within sixty days after learning of such adverse action, disclose the nature of the information to the consumer. The user of such information shall clearly and accurately disclose to the consumer his right to make such written request at the time such adverse action is communicated to the consumer. '' At this time, I am exercising my right and I demand to know the specific reasons why I was denied tenancy for this apartment. The company 's negligence in providing me with this information has caused mental anguish as well as depletion of funding needed to pay for housing as they assessed an {$85.00} fee but failed to provide me with the details mentioned in this complaint.
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my consumer credit report and I found several items on there to be inaccurate. Under 15 U.S. code 1681e ( b ) Accuracy of report whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S.Code1681i ( 5 ) Treatment of inaccurate or un, verifiable information ( A ) In general if, after any investigation under paragraph ( 1 ) of any information disputed by a consumer, any item or information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- - ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Please Remove the following items from my credit report, immediately : 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. In addition to these fraudulent accounts, I've noticed several hard inquiries XXXX XXXX, XXXX XXXX XXXX,
Product: Consumer Loan

OK, these people sent me an email teling me that I was approved for up to {$10000.00}! So I needed some cash to pay XXXX of my bills, but they said that they started from {$2000.00}! Anyway, I think some kind of way that they set me up cause they called them Check ' N to Cash! They were very suspious cause they told me to go to XXXX and get a XXXX to send the {$490.00} that they had put in my account! But they would'nt do it cause they said it was fraud cause I did'nt know who they were, and they did'nt let me get it! So, they told me to get a I tunes gift card and send them the money back on that! Anyway, I did that cause they said that they would deposit the rest of the money! So I did'nt know that they had already deposited some more money in my account! But something happened and my bank put a hold on my account and they said that it was fraud! So they closed my account because of that mobile check for {$920.00} that they had deposited in my account! And then I found out that they tried to come back and get the first {$490.00} that they had deposited in my bank while my account was closed! So thats why Im filing a complaint cause they committed fraud some kind of way because of them closing out my bank account behind this and they said that it was fraud!! Thank you very much, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Duties upon notice of dispute from a consumer reporting agency Section 623 ( b ) ; 15 U.S.C. 1681s-2 ( b ) This section requires that whenever a person, such as a financial institution, receives a notice of dispute from a consumer reporting agency regarding the accuracy or completeness of any information the person provided to a consumer reporting agency pursuant to Section 611 ( Procedure in Case of Disputed Accuracy ), that person must, pursuant to Section 623 ( b ) : 1. conduct an investigation regarding the disputed information ; 2. review all relevant information the consumer reporting agency provided along with the notice ; 3. report the results of the investigation to the consumer reporting agency ; 4. if the investigation finds the information is incomplete or inaccurate, report those results to all nationwide consumer reporting agencies to which the financial institution previously provided the information ; and 5. if the disputed information is incomplete, inaccurate, or not verifiable by the person, it must promptly, for purposes of reporting to the consumer reporting agency do one of the following : a. modify the item of information. b. delete the item of information. c. permanently block the reporting of that item of information. 

A XXXX  XXXX bankruptcy was placed on my Transunion credit report on XX/XX/XXXX. I have requested on numerous occasions for this information to be verified and validated. I have requested an investigation on this matter as recent as XX/XX/XXXX. I have not received any communication from Transunion according to the law listed above.
Product: Credit reporting, credit repair services, or other personal consumer reports

please update this account XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NCXXXX ( XXXX ) XXXXAccount Number : XXXX, to the statues of paid off and paid as agreed.
Product: Credit reporting

I disputed inaccurate collection accounts from companies called XXXX XXXX and XXXX XXXX XXXX. Equifax said the companies told them debt was valid. Equifax did not tell me what proof the companies provided to prove the debt is valid.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please remove this statement from my Transunion consumer statement TransUnion : DO NOT CONFUSE WITH CONSUMERS OF SIMILAR IDENTIFICATION ; VERIFY ALL IDENTIFYING INFORMATION.
Product: Credit reporting or other personal consumer reports

REMOVE ALL LATE PAYMENTS FROM XXXX XXXX XXXX XXXX CREDIT CARDS AND LOAN. 
1681s-2 ( a ) ( 1 ) ( F ), which was added as part of the CARES Act. In general, this provision requires a furnisher to report the credit obligation or account as current during the COVID-19 pandemic, unless the account was delinquent before the accommodation. F ) Reporting information during the COVID19 pandemic ( i ) Definitions In this subsection : ( I ) Accommodation The term accommodation includes an agreement to defer 1 or more payments, make a partial payment, forbear any delinquent amounts, modify a loan or contract, or any other assistance or relief granted to a consumer who is affected by the XXXX XXXX XXXX ( COVID19 ) pandemic during the covered period .In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It states a consumer reporting agency can furnish an account without my written instructions. 46.9K 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for purpose. in accordance with the Fair Credit Act Reporting Act. this creditor has violated my rights under 16 USC 1681 section 6 o 2 states I have the right to privacy 15 USC 1681 SECTION 6 O 4 A SECTION 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 166B a credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Student loan

My school loans should be have been deferred. I submitted the documentation they required along with a letter from my school stating that I am still in school at the beginning of XX/XX/XXXX. I have a confirmation letter of my fax to them with the required documentation needed to show my proof of enrollment. They still have not updated my payment and this is negatively affecting my credit. I filed a complaint with the XXXX XXXX XXXX  and received an email after that from a XXXX XXXX at Navient who I have tried talking with mostly through email. I also called my school after he stated that I was not eligible for a deferment and they informed me that they informed my student loan company that I was enrolled just not continuing with a course from the fall semester as they do not require students to re-enroll for courses that will be longer than 1 semester per the course requirements. I explained to him that they told me they informed them already and was told I could send the information again. At this point, I am beyond frustrated especially when the payment department keeps calling demanding payments as I'm going through all of this.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  is reporting what appears to be a medical debt on my credit report which I have NO knowledge of. I am fully insured with medical insurance which pays 100 % of all of my medical needs. This listing gives a date opened of XX/XX/2018. Again, I am NOT aware of this debt as being mine and I have disputed it with Experian but just got the dispute results back saying it has been updated. The original creditor was XXXX XXXX. I do NOT recall having any medical service done that would generate a bill such as this. Otherwise, according to a new credit reporting law, a listing such as this one is NOT supposed to be added to a credit report until AFTER 180 days giving the insurance company time to pay this. XXXX  will NOT remove this.
Product: Credit card or prepaid card

Home Depot credit card, the problem I have is, that they have not send me any statements. I offered them to pay everything of except the interest, but it seems that are really interested in collecting some interest also. I always made my payments on time, until they load up my account with a bunch of interest, I talked to them trying to pay everything off except interest and its a No.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
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
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. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. I've talked to the bank & they've agreed to remove the accounts. BUT TransUnion has some internal block which they're claiming they can use to not block the accounts because they feel they're above the law. When questioned why they're not accepting the police report they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the police report ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law & will not explain their policy... 

Here is the list of accounts/items which do not belong to me or were opened without my permission. 

BANK XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$0.00}, XXXXXXXXXXXX  XXXX Date opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX Date opened XXXX XX/XX/XXXX Balance : {$12000.00}, XXXX XXXX XXXX Date opened : XX/XX/XXXX XXXX : {$1900.00}, and XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$0.00}. 


According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello good morning, I have been trying to get these few fraudulent accounts off my credit report and I reach out to the XXXX, transunion and XXXX regarding this and they explained that i need an ftc report. This is affecting my credit profile really bad. Again, I am a victim of identity theft. These accounts listed are not related to any transaction done by me. I also called the companies regarding this identity theft and they told me to reach out to the bureaus. I have attached the FTC report and my driver license to help verify my identity. Thank you
Product: Checking or savings account

On XX/XX/XXXX I deposited funds from XXXX account into my fidelity account, I was later informed that my account was closed and my funds were unavailable for 16 days to investigate my deposit due to me having no activity in the account for the last 45 days. When I asked why accept the deposit and then close my account. The rep told me they have the right to close the account at their discretion.
Product: Checking or savings account

Overdraft fee were taken, charges made to my account that I dont understand.
Product: Mortgage

Zillow provides an automated rate table quoting system that allows consumers to instantly receive rate quotes based upon the scenario they enter that Zillow then rank orders on the page by APR. 

Zillow is aware and has been for many months that some lenders are gaming the system by reporting inaccurate APR 's on VA loans for the purpose of appearing at the top of the rank ordered lenders, when the APR quoted is not valid. This harms veterans applying for VA loans by falsely leading them to believe that the lender at the top of the page is the best offer when they clearly are not. 

The page view I am attaching shows five lenders quoting a 2.250 % VA 30-year fixed mortgage offering. The three lenders at the bottom of the page quoting a 2.421 % are accurate. The two above them showing a 2.410 % APR and a 2.420 % APR are not. 

You don't need to be an APR rocket scientist to understand a 2.250 % rate with {$520.00} in APR related origination fees in addition to the VA funding fee can not have an APR that is lower than a 2.250 % rate with {$0.00} APR related fee or a lender credit other than VA funding fee.

I brought this to Zillow 's attention months ago and have followed up with them since I first notified them that they were allowing false APR 's to be quoted by lenders to game their system and they have not addressed the issue.