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

According to my research, your company may not include in a consumer credit report any adverse, inaccurate, or unverified information without physically verification and valid to be 100 % truthful accurate, timely, complete, current, and compliant to prove now or delete this unverified information immediately. I am requesting that these accounts be deleted. 

XXXX XXXX XXXX XXXX UNVERIFIED ACCOUNT XXXX XXXX XXXX XXXX -UNVERIFIED ACCUNT XXXX XXXX XXXXXXXX XXXX XXXX-UNVERFIED ACCOUNT XXXX XXXX XXXX- UNVERIFIED ACCOUNT XXXX XXXX XXXX XXXX-UNVERIFIED ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, Texas XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My wallet was stollen in XX/XX/XXXX, which had all of my personal belongings in it. My personal belongings consisted of my ID, Social Security card, Debit and credit cards. The person who stole my documents proceeded to a credit fraud. They applied for the following inquiries on my credit report : - XXXX XXXX - XX/XX/XXXX - XXXX XXXX - XX/XX/XXXX - XXXX - XX/XX/XXXX - XXXX - XX/XX/XXXX - XXXX XXXX - XX/XX/XXXX - XXXX - XX/XX/XXXX - XXXX XXXX  - XX/XX/XXXX - XXXX XXXX - XX/XX/XXXX - XXXX - XX/XX/XXXX - XXXX XXXX - XX/XX/XXXX - XXXX  XXXX - XX/XX/XXXX - XXXX XXXX - XX/XX/XXXX - XXXX XXXX - XX/XX/XXXX - XXXX - XX/XX/XXXX - XXXX - XX/XX/XXXX - XXXX XXXX - XX/XX/XXXX - XXXX - XX/XX/XXXX All of these inquiries were not authorized by me and is needed to be removed from my credit report immediately.
Product: Debt collection

This debt is not mine, never consented to any involvement with Capital Accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law.I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the Experian credit bureau to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX XXXX, XXXX, CA, XXXX XXXX  XXXX XXXX XXXX Open Date XX/XX/2019 Balance : {$260.00}
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. 

XXXXXXXX XXXX XXXX : XXXX, has violated my rights. 

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, credit repair services, or other personal consumer reports

There are several accounts reporting inaccurately on my credit report file. The following accounts are reporting inaccurately : Incorrect Address : XXXX XXXX XXXX ( XXXX ) Incorrect Address : XXXX XXXX ( XXXX ) Incorrect Address : XXXX XXXX XXXX XXXX ( XXXX  ) Incorrect Address : XXXX XXXX XXXX XXXX XXXX ( XXXX ) Incorrect Address : XXXX XXXX XXXX ( Equifax ) Incorrect Address : XXXX XXXX  ( Equifax ) Incorrect Name : XXXX XXXX ( Equifax ) The following accounts status is reporting inaccurate. I was never late on the following accounts : XXXX XXXX XXXX Opened XX/XX/XXXX Bal. {$360.00} ( I was never 30 days late ) XXXX XXXX Opened XX/XX/XXXX Bal. XXXX ( I was never 30 days late ) The following inquiries were not authorized by me : XXXX XXXX XXXX XXXX 2 TIMES XXXX XXXX XXXX 2 TIMES XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with Honda Financial Services. I set up and auto-pay online. I assumed all was well until I received notification that my account was delinquent. They never emailed me on this matter even thought they do have my email address. They said they called but never reached me. The moment I found out about this I rectified the issue. Now my credit report shows a 30 day delinquency even thought their website failed to process my auto-pay. I have a 30 year credit history with no delinquencies. I would like this resolved due to the error on their side and their lack of contacting me to give me a chance to resolve the problem prior to going to the credit bureaus.
Product: Mortgage

This is my 2nd complaint through CFPB because it is my " Right '' of the land to receive what the Congress mandated federal law says I have a right to. My previous complaint stated that I had not been properly notified by BOTH XXXX XXXX XXXX  XXXX and Select Profile Mortgage Servicing Co. ( SPS, Inc ) of the transferring of my mortgage service according to federal law. I emphasized in my complaint that I wish to receive mailed expedited letters from both companies ; only XXXX XXXX 's mailed letter to my estranged husband finally reached me by being hand carried to me by my estranged husband but nevertheless, I have XXXX XXXX 's letter iin my personal file. It appears that CFPB did not notify SPS, Inc of my complaint and carry out and enforce the federal law that applies to SPS, Inc, as well. After receiving online information of SPS, Inc pertaining to a class action suit, reviews ratings of " 1 '' out of 10 and the fact that I have not receiving a mailed expedited letter of confirmation that the company is my new mortgage servicing company that was due by XX/XX/year> are all red flags that appears to me as a shady company that I need absolute proof in detail of the transferred mortgage account, also to know if the escrow account is in order and not via phone or email but rather a document that I can file. Additional info I received online for SPS, Inc. follows : XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX  XXXX
Product: Prepaid card

I have been a Ruch Card holder for over 4 yrs. I am not able to get my money for over 2 weeks. My bill have fell behind and I am about to be evicted from my apt . I am at my witts end on what to do. Please help me get my money off my RushCard. 
XXXX XXXX Worried
Product: Credit card

I signed up for Chase XXXX XXXX in response to an advertisement indicating XXXX points on XXXX XXXX ' frequent flyer program if I spend {$2000.00} within 2 months. However, i never received that XXXX points. when i called Chase to inquire about my point status, they told me it takes 3-4 months to update in the system. So I called back a month later ; Chase told me that my account actually was n't set up to receive that offer but instead it was {$200.00} credit and XXXX points, which was COMPLETELY DIFFERENT FROM THE TERMS OF THE DEAL I SIGNED UP FOR. Chase also told me that since i called back later than the 3 month time period, they ca n't change it back to the offer that I agreed to. THIS IS FRAUD. THIS IS PURE DECEIT. 

I have estimated the monetary value of this fraud. They cheated me out of XXXX XXXX XXXX point. The cost of a XXXX round trip XXXX miles, which costs about {$150.00} as a regular ticket. The XXXX miles they CHEATED me out of corresponds to about XXXX such round trips, which has a monetary value of {$1200.00}. I am absolutely livid and furious with their FRAUD AND THIEVING DECEIT.
Product: Credit card or prepaid card

My dispute is with capital one nd their redicilous fees and increase interests rate I always pay before the due date this month do to my unusually stress I thought I allready made the payment When I called the customer service I noticed high minimum due increase So noticed that I did forgot to make a payment Now is this ok for me to get punished this suvirly Capital one took very stiff harsh unnessadery action by increasing my minimum due and increasing my interest rate
Product: Credit card

I received an application from CITI for a XXXX Credit Card. On XXXX/XXXX/15, I called to inquire information about it. My main concern which I reiterated was that I did n't want to lose my points that I had accrued. The gentlemen I talked with initially said I would, but then when I said I had XXXX CITI cards which were linked together earning points, he then put me on hold and said he needed to talk with someone about this. He came back to the phone and said, no I would not lose my points and he would open up the new XXXX Card. I asked him again, are you sure. He said yes, that I would n't lose my points. I then got his name & where he was located, just in case there was a problem. For several months the points were on my statement, so I never gave it any thought there was a problem. Then I checked my statement on line & the majority of the points were gone. I called CITI XXXX XXXX/XXXX/15 XXXX & talked with someone who stayed on the line while I talked with the Department who handled the Thank You Points. She had the other operator fill out a dispute form & said, that it was what had to be done, but assured me that I would get my points back. I received a letter date XXXX/XXXX/15 denying my reinstatement of the points. 
XXXX/XXXX/15 ( XXXX call ) I asked the representative to please pull the voice recording to verify what I was saying was true. She said there was nothing more she could do. 
This was blatantly fraud on the gentlemen 's part to initiate this credit card when I emphasize that I did not want to lose what I had been saving up for years with my points. My points were denied.
Product: Credit reporting or other personal consumer reports

In summary, due to the multitude of inaccuracies reported by these furnishers to Equifax, and due to the irreparable harm to me caused by these furnishers, I am demanding these accounts to be deleted from my credit report immediately. I previously disputed these accounts in XXXX XXXX and the furnishes and/or Equifax added more inaccurate and negative information to my credit report, resulting in my inability to now purchase a home. This was not the case prior to them adding additional inaccuracies to my credit report. 

These egregious inaccuracies have caused me to be denied credit and the inability to obtain a conventional mortgage. Due to these inaccuracies, I have been unable to secure a home for my family. I can not fully express to your agency how these errors and inaccuracies have caused me emotional duress, stress and the inability to generate wealth for my family. 

The details and my requests are attached to this complaint as a word document.
Product: Credit card or prepaid card

On XXXX XXXX a deposit of {$1400.00} I received a payment from the IRS but I already had lost my debit prepaid card and information to it and I can't find my account on cash app do to not remembering my email or phone number or cash tag so the company cash app can't find my account without that information but I have all my other legal information like ID and social security number but the company cash app won't accept that or even look for my account using the account number from the IRS
Product: Debt collection

Was told by my mother someone called her about something with a loan for me. Was continually asking her about my place of employment. She refused. 
I got the number from my mother ( who is sick with XXXX and in immense pain ) and called XXXX with XXXX. I told him he XXXX no longer contact my mother and to take her off my contact list. He said he could not do that. I told him that was illegal and he proceeded to tell me that what I was saying was silly. I explained she was going through XXXX treatments and only THEN did he offer to remove her number. This is NOT a game.
Product: Credit reporting, credit repair services, or other personal consumer reports

My loan was transferred from XXXX to Shellpoint in XX/XX/2019. XXXX immediately reported to the agencies my loan as closed/transferred XX/XX/2019. 

Currently Shellpoint is reporting to XXXX, but has not reported to XXXX. I have called Shellpoint 6-7 times, they tell me that credit reporting issues must be sent via email. I have sent 4 emails to Shellpoint, they have not responded once. CUstomer service is terrible.

I have called Transunion multiple times to ensure the issue isnt on their end, they confirmed nothing is coming in from Shellpoint.

My credit score is now negatively impacted and causing issues.
Product: Money transfer, virtual currency, or money service

We made a wire transfer through our bank Star One Credit Union on XX/XX/XXXX  for the amount of {$160000.00} for escrow. We received wire instructions from what appeared to be our lender, but later found out it was a fraud email pretending to be our lender with all the contract details. Our bank called to verify the transfer, but never mentioned the possibility of wire fraud. As a customer of Star One Credit Union, we expect our bank to protect us from possible fraud transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please remove these accounts inwhich the following accounts do not belong to me nor do I have any knowledge of them. I'm asking for these accounts to be blocked, XXXX XXXX XXXX, {$1100.00}, {$500.00}, {$100.00}, and XXXX Collections {$2300.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 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 information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as Equifax 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax Hello, I have reviewed a copy of my current credit report and it shows the inquiries above are fraudulent and I have sent a copy of FTC report to request removal. I have not been successful and need these removed due to attempting to purchase a home.
Product: Credit card or prepaid card

Several transactions are still pending on my account, an attached screen shot shows items still pending from XX/XX/XXXX, six days ago. Two items in the amounts of {$1.00} and {$8.00}, funds transfers to an external account, show pending from XX/XX/XXXX. An item in the amount of {$59.00} dated XX/XX/XXXX shows as " in review '', this is a merchant refund from XXXX. It appears these items are taking an usually long time to process, the normal time frame to process a funds transfer is five days, it is now six and still showing in process as well as the refund, which is still not reflected in balance. It appears there is a technical issue going on and if so, an additional funds transfer in the amount of {$23.00} from XX/XX/XXXX might also need to be looked at
Product: Credit card or prepaid card

As a sole proprietor of a small business, I signed up for a 0% interest promotional transfer deal with American Express.  The plan name I signed up for is "Blue Business Plus Credit Card" for the term 0% introductory APR on purchases and balance transfers for 15 months. On about XX/XX/XXXX, a balance transfer of $XXXX was transferred from my XXXX Credit Card account to  the new XXXX credit card account.  The Transfer fee was $XXXX.The balance transfer was never placed on the promotional plan, and I have been billed monthly interest with a minimum payment due amount. (See Statements for XXXX, XXXX, and XXXX).  I have repeatedly contacted XXXX to have this problem resolved.  I first contacted XXXX via phone after the XXXX, XXXX and XXXX statements were released to question the statement.  I have made repeated contacts via phone and chat since then regarding the still unresolved problem.They told me there was a system problem that caused the problem.  They were aware of it and my account would be fixed.I made $XXXX in payments in XXXX to cover the transfer fee and a little bit more.  Then, I received the XXXX Statement and the balances and interests were still incorrect.  I was told to do nothing and it would be fixed.  When it came time the bill was due, I called again, and they told me I needed to pay the minimum due, but the problem would be later fixed.  On XX/XX/XXXX, I paid the minimum due of $XXXX.  Now, the XXXX invoice continues to show the same problem.I contacted XXXX again today (XX/XX/XXXX) to complain that the problem has not yet been resolved.  They are unable to provide an ETA on a resolution claiming they are working on it.  It has been nearly 6 weeks and no resolution.This appears to be Bait and Switch.  And, this delay appears suspicious.  I say this specifically because they previously made a 'system error' claim on my personal XXXX account.  In that instance, I received notice that my APR was increasing because of bad credit.  My Credit Score is near perfect.  When I called to complain, they said it was a system problem.  They corrected that mistake within 2 weeks and included letters mailed to me indicating their mistake.During the problem identified in this complaint, XXXX has not mailed me any letter indicating there was a mistake they were working to resolve.  My chat log is the only thing I have as proof of what they have been telling me (in part since I also had phone calls on this matter).
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed a collections account from XXXX XXXX XXXX on my Equifax credit report multiple times now. With zero results, nothing has changed, despite me disputing this item multiple times over several years now. I have also asked for my consumer disclosure file for this collections account, per FCRA Section 609 ( a ) ( 1 ), multiple times and never received anything from either ARS or Equifax. 
I have informed Equifax multiple times that I have never received a medical bill for this alleged debt. I have informed them that it is my right to have been given a bill for this debt, which I never was given. Therefore, I also was never given the chance to dispute this item with the original creditor or collections agency. The hospital that this was most likely billed from is notorious for sending bills directly to collections when the patient did not have insurance. I have no doubt that this is most likely the case with this debt, but there again, since I have never been issued a bill for this item, I can only speculate.
Product: Mortgage

I contacted this company on XX/XX/XXXX in order to requests a payoff statement and a finance worksheet in order to reapply for a reverse mortgage. I did my original reverse mortgage in XXXX and a second in XXXX. The value of my home has increased significantly and I decided to do a third reverse mortgage, more as a precautionary move than necessity in case the market has a turn down as it did in XXXX. During the processing of this loan it was discovered that the deeds for the XXXX reverse mortgage were accidently recorded twice with XXXX XXXX XXXX 's XXXX. The deed # 's are as follows : XXXX, XXXX, XXXX, XXXX. 
The last XXXX deeds are identical to the first XXXX with the exception of the recording # 's. It makes it appear as if I have XXXX mortgages when I in fact have only XXXX. Until this is taken care of I can not sign off on my new loan. Everything on the loan is ready to go, and has been now for five weeks, with the exception of this issue. The last XXXX docs need to be reconveyed. The rest of the information is outlined in the attached letter sent to the Customer Service XXXX on XXXX XXXX, XXXX.
Product: Mortgage

In early XX/XX/XXXX I notified Chase that I as unable to continue the mortgage payments due to my mother 's recent admission into a XXXX XXXX XXXX. I simply can not afford both. I wanted to explore my options for a short sale or deed in lieu of foreclosure. I was provided an application for a loan modification back in XX/XX/XXXX which I completed and submitted in XX/XX/XXXX through the website ; and again in XXXX by mail. The due date for the application was XX/XX/XXXX. 

Receipt of the application was confirmed by Chase, but I never got a response to the application. Instead I as informed by Chase that the loan is being transferred to another service provider. The taxes are past due on the home and I am seeking some relief.
Product: Credit card

On XXXX XXXX, XXXX my payment that was scheduled in the amount of {$39.00} posted and was later returned due to insufficient funds. The lack of funds was due to the error by The Clearing House, which is the private operator of the Automated Clearing House payments system that works with the National Federal Reserve. 

The Federal Reserve worked very slowly with banks to rectify the situation and pay those who were affected and whose direct deposits did not get deposited as expected. My bank just rectified the situation, on XXXX XXXX, XXXX and the paycheck that was missing was finally deposited into my account. 

Capital One is charging me a {$29.00} fee and no one can remove it. I called on XX/XX/XXXX at approximately XXXX. This recent inability to access my funds in my checking account was not my fault or my banks fault. It was an error on a larger national level and I feel I should not be penalized by overdraft fees, late fees or other penalties. It was the error at the national level with The Clearing House and the Federal Reserve.
Product: Debt collection

A letter was sent to XXXX XXXX XXXX, informing them to send a purchase agreement and debt validation document. This company is a debt collector and they did not provide any of this information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax keeps sending mail with my name spelled correctly and when I contact them they state that they did not do that. I am entitled to have may name spelled correctly as I only have ever used one name.