23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

XXXX XXXX is reporting 'Late Payments '' on my consumer report. I've been writing them for months demanding them to completely remove these late payments. 
I know they're in violation of congress federal law '15 USC 1666B- Timing Of Payments ' and also " 15 USC 1681 S - 2 - Responsibilities Of Furnishers Of Information To Consumer Reporting Agencies ''. 

LATE PAYMENT DATES : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

XXXX XXXX also keep ignoring my disputes which I have evidence and tracking numbers as well. 
XXXX XXXX doesn't respond within the 30-Day period allowed by law. And when they do respond they completely stall me and ignore me. they tell me that i need to provide them with personal non public information such as my social security number in order for them to proceed with the dispute. 
WHERE IN THE LAW DOES IT STATES THAT I HAVE TO GIVE MY SOCIAL SECURITY NUMBER TO A FINANCIAL INSTITUTION LIKE XXXX  XXXX? 
XXXX  keep violation my rights as a consumer and also congress federal laws. 
because of XXXX XXXX inaccuracies on my consumer reports I'm getting denied and its affecting my life style, mode of living and my general reputation as a consumer. 
If they don't comply with federal laws or my requests and remove the late payments on my consumer report I'm going to take legal action and sue XXXX XXXX for damages done to me in the last few years. 
I have all the evidence needed to take down and completely expose XXXX XXXX XXXX  ilegal practices.
Product: Debt collection

I received a letter in my mailbox from the post office today from TRS recovery services stating notice further action necessary creditor XXXX XXXX transaction date XX/XX/year> principal amount {$36.00}. 

I checked my XXXX orders and I havent ordered anything since XX/XX/XXXX. I called XXXX and they said they would never send a letter like this and it was a scam. 

The letter looks serious and says I will not be able to write checks with more than XXXX merchants if I dont pay the debt. XXXX wouldnt process an order without being paid first anyway XXXX said its a scam so I called the place using XXXX to block my phone number to inquire about the debt. She wouldnt give me any information unless I gave her information first.
Product: Checking or savings account

On XXXX I deposited a check for {$990.00}. 
On XXXX the check was returned for Non Sufficient Funds. 

The Bank, XXXX XXXX Bank, VALIDATED to Capital One that the check was a valid check to a valid account, but the account did not have sufficient funds. 

Capital One, on XXXX FROZE my accounts. ALL of my accounts. I have {$2600.00} of my personal funds FROZEN because of a XXXX party writing a check which had non sufficient funds. 
On XXXX my Mortgage XXXX was returned costing me {$25.00} in fees because my mortgage payment was RETURNED. 

I called Capital One twice to resolve this issue. They insist that it is their " policy '' to " Validate '' the check WITH THE XXXX XXXX. This XXXX party is difficult to get ahold of, and when I asked her to comply with Capital Ones Policy, she told me it's NOT HER PROBLEM and she does not want to do so. 

1. WHY is Capital One FORCING a THIRD PARTY to " Validate '' a non sufficient Funds Check? 

This has significant legal ramifications. 
A. On what XXXX  BASIS does Capital One have to FORCE a 3rd Party to comply with their internal " policy ''? 

B. On whaXXXX XXXX BASIS does Capital One have to force me to SUE the 3rd Party to comply with their policy? If the 3rd Party does not comply with Capital Ones policy, in order for my funds to be unfrozen, I must then sue them to force a judge to compel them to comply with Capital Ones policy (!!! ) 2. WHY is Capital One forcing a XXXX party to " validate '' a check when the XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX that the check was valid and attempted to withdraw funds. The check was NOT RETURNED invalid, it was returned as VALID but non sufficient funds. 

XXXX. WHY is Capital One taking ADVERSE POSSESSION of my Property beyond the amount in dispute? What VALID LEGAL reason does Capital One have to in essence confiscate/ take adverse possession, even if temporary, of ALL of my funds in EXCESS of the amount in dispute? 

A. This creates significant financial harm to ANY CONSUMER of Capital One who encounters a nonsufficient funds check written to them by a 3rd party. 
B. Thus creates undue significant time and expenditure attempting to contact AND COMPEL A 3RD PARTY to " validate '' that they actually wrote the check. 

XXXX. Why is Capital One the ONLY BANK I have ever encountered this " policy '' This policy is Unreasonable. 
No other Bank to my knowledge has this absurd policy. 
Freezing funds beyond the disputed amount is unreasonable. 
Freezing funds causing significant financial harm is unreasonable. 
Freezing funds forcing consumers to compel a 3rd party to validate a check ALREADY VALIDATED by the 3rd party 's bank is unreasonable and absurd. 

This policy is Unconstitutional and ILLEGAL. 
Capital One has NO XXXX  BASIS to compel non-clients to comply with its internal policies. 
Capital Ones policy creates circumstances which forces a client to possibly sue the 3rd party to obtain a court order from a judge to comply with Capital Ones internal policy.
Product: Credit reporting, credit repair services, or other personal consumer reports

By Letter dated XX/XX/XXXX, Consumer Loan Servicing Responded to my complaint to the CFPB. Consumer Loan Servicing was not factual in their response, nopr di they address the following : - There are two ( 2 ) seperate entries on my credit report. 

- The entry for XXXX Mortgage XXXX, which is clearly identified as a Conventional RE Mortgage. 

- The second entry, for Community Loan Servicing is hidden and falsely identified as Secured Individual Account. 

- Community Loan Servicing, did not legally exist until XXXX XXXX, XXXX. I have never done business with this enity, nor do I have any documentation saying that I did. 
Furthermore, XXXX Mortgage XXXX, did not change it's name until XX/XX/XXXX. 

First, How is it legally possible for a business that did not exist, until XX/XX/XXXX ; to submit an entry on my credit report dated XX/XX/XXXX. 

Second, how can a business that I have never done any business, have the legal right to make any entries on my credit report? 

I request that any entry on my credit report that has been made by Community Loan Servicing, be removed ASAP, and that only the proper information confirming my closed account with XXXX Mortgage servicing be allowed to remain! 

Regards, XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/XXXX XXXX XXXX XXXX  initiated withdraws {$9600.00} under XXXX transactions. These were ACH transactions bank to bank. Wells Fargos process-to set up an ACH transaction, Requires a verification by me, the owner of the subject account to verify this account prior to withdrawing funds. This process was skipped by Wells Fargo allowing the funds to transfer. Wells Fargo will not explain How and why they violated the processes of the online access. Demanding the funds return to the account.
Product: Debt collection

On XX/XX/XXXX18 at XXXX XXXX XXXX XXXX XXXX XXXX received certified letter requesting proof of original application, contract, any and all statements related to the debts, signed receipts, canceled checks, and or documentation containing my original signature obligating me to a debts that they claim I owe. Since, I have only received a screenshot of a piece of paper with my name, an account number, as means of validation. As per the Fair Debt Collection Act, section 809 ( b ) XXXX XXXX XXXX XXXX, is in violation by continuing collection efforts without providing the requested documentation from the consumer as well as the original creditors information. In addition XXXX XXXX XXXX XXXX   received a notarized affidavit requesting original documentation containing my signature regarding this  debt. Since XXXX XXXX XXXX XXXX has failed to provide the requested documentation, I  expect this debt to be removed from the all three of the major consumer reporting agencies immediately
Product: Credit reporting or other personal consumer reports

in accordance with The Fair Credit Reporting Act Capital one has violated my rights under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USCS 1666b a creditor may not treat a payment on a credit card under an open end consumer credit plan as late for any purpose.
Product: Checking or savings account

On XX/XX/22, I was a victim of a scam. I received a call from a number that was listed as jpmorgan Chase ( when number is entered in XXXX- its a number for the company ). Someone impersonated a chase representative and the conversation led to me providing my debit card pin in order to verify my identity. A few minutes after I got off the phone, I received notifications from my app advising me of ATM withdrawals ( totaling in {$1700.00} ). In the many calls Ive had with chase claims department, a supervisor was able to obtain a name and number of a person that added my debit card to their XXXX XXXX. This information wasnt sufficient enough for chase to refund me the money and consider this an unauthorized withdrawal. Ive been a chase customer for over 10 years, and never had any issues with my account. Very dissatisfied with the companys response to my case. On my end, Ive also filed a police report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 3rd attempt to get this matter resolved. I've submitted 3 previous complaints with the CFPB & you claim I'm submitting the information for someone else... I have no clue what in the world you're trying to accomplish by ignoring my request but it's just creating additional emotional & physical distress. Bureau ( s ) has failed to comply with Fair Credit Reporting Act ( FCRA ). I disputed information that was reported to my credit file held with Bureau ( s ). These accounts were opened fraudulently. I informed them of the issue & provided them with the required documents to block/remove the accounts via FCRA Section 605b . They have failed to block the accounts, additionally, they have failed to provide me with any legal contract to reflect I was the one who opened the accounts. I need the following accounts removed from my report ASAP. Here are the names of the data furnishers & the account 's TransUnion Collection : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$150.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance XXXX {$120.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$150.00} XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX XXXX ) XXXX Balance : {$260.00} XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX Balance : {$6600.00} Late Close : XXXX XXXX  XXXX Balance : {$0.00} Inquiry XXXX XXXX  Date of Inquiry XX/XX/2020
Product: Credit card

All dates since credit card was opened. Discover credit card. the limit was {$4200.00}. Charges were made in that amount. I disputed and they said that they believe it is not fraud. I submitted an affidavit of forgery, fraud letter and police report, and they still say that the balance is fraud. BUT-ALL the charges were not mine. I have been fighting with them about their said findings and they refuse to give me any documentation. They said by law, they didn't have to. They also lowered the credit limit to the balance currently to {$300.00}. Credit card ends in : XXXX. I do not know what the full account number is because they will not tell me. They just continue to try to bill me and I refuse to pay for charges that are not mine. This is ridiculous and needs to stop now.
Product: Credit reporting or other personal consumer reports

I have attempted to get this matter corrected and resolved for several months, but all of my attempts have been unsuccessful. No one at PenFed has taken the time to address my concerns regarding my credit report. PenFed has continued to report discrepant payment history for different months on my credit reports. The discrepancy happens to be only 1 late payment. I've attached my credit report as proof of the discrepant reporting that has not been corrected. 

In the spirit of compromise, and in exchange for several months of inaccurate reporting and credit denials, I would be willing to accept the month for this 1 late payment to be reported as No Data or Unknown. 

This PenFed account is being reported as 30 days late for XX/XX/2023 on XXXX and XXXX, and late 30 days for XX/XX/2023 on XXXX. The single late payment is being reported on two different months with different bureaus. There is no consistency with how this late payment is being reported to my credit files. I have attached a copy of my credit report to prove this discrepant reporting.
Product: Money transfer, virtual currency, or money service

I was trying to get a puppies for my son scammer scam me for {$100.00} bucks, called given number, had photo id he send, and made a report of police same day. Called Bank of America to check if the XXXX payment could be stopped or cancelled, told them to check on the email I was given. They said they couldnt do anything. Never received an answer to my question if anything could have been done. Horrible horrible customer service care!! 
XXXX XXXX @ XXXX
Product: Credit reporting

Fraudulent accounts/Identity theft- XXXX XXXX-XX/XX/XXXX XXXX- XX/XX/XXXX Fraudulent inquiries-XXXX
Product: Credit reporting or other personal consumer reports

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there is still another account that needs to be UPDATED. The Equifax credit bureau must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that this disputed account gets corrected. 
XXXX XXXX  XXXX XXXX XXXX Account Balance : {$58000.00}
Product: Credit reporting or other personal consumer reports

This company is reporting false information to my Lexis Nexis. I do not owe XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  nor do I owe the company who filed this fraudulent claim, XXXX XXXX XXXX XXXX XXXX. They are using my information without authorization and sharing it with a third party, Lexis Nexis, who is selling it with other third parties for profit. All the listed companies have STOLEN my identity and personal information as I did not provide any of it to them. They are using it for reasons not permitted by federal law and this is not only identity theft, but also a federal crime. I am willing to overlook this in an effort to resolve this amicably, as long as the company, Lexis Nexis, deletes this false information and ceases selling and/or sharing this information with any third parties.
Product: Mortgage

I lost my job in the middle of XX/XX/2020 and because of the COVID19 crisis I've had difficulty paying my mortgage. My mortgage is through Chase Bank. I've tried calling chase bank dozens of times but I can not get a hold of anyone willing to help or explain my options to me. 

I keep getting a recorded line that tells me the " only option they offer '' is a forbearance period of 3 months after which the ENTIRE unpaid loan balance along with the 4th month 's payment will be due. This means they offer the option of pausing mortgage payments for 90 days, and on the 91st day, the entire balance of the previous 3 months in addition to the 4th month 's mortgage payment is due. 

This is predatory and completely unreasonable as a forbearance option. This is clearly not a good faith option Chase bank is offering. Chase bank 's representatives has refused to discuss anything further with me and have stopped responded to my email requests at communication. 

As per the : Board of Governors of the Federal Reserve System Federal Deposit Insurance Corporation National Credit Union Administration Office of the Comptroller of the Currency Consumer Financial Protection Bureau statement made XX/XX/2020, this goes against the " good faith '' clause outlining bank 's responsibilities to offer " good faith '' options for borrowers struggling with the COVID19 situation. 

The link to the statement is here : https : XXXX
Product: Credit card or prepaid card

Citibank XXXX brooks brothers XXXX XXXX XXXX reduced my credit limit without any warning and without any notice at all prior to doing so, so that my account went all the way to 99 % utilization rate, on XX/XX/2022, when the most recent payment was due, and the date that I made a payment. I have never missed a single payment on any credit card or loan account and have never had an issue making more than minimum payments. I never received any mailing or notice about a decrease or any warning about it. the company did not even tell me, another identity theft protection plan I use told me about the credit decrease and the resulting increase in utilization rate. This is a violation of the fair credit reporting act because she stated that the reason they did so was because of payment delinquency ( not true ) which would required the notice. She said that the notice would be received in 7-10 days from TODAY, XX/XX/2022, which is days after this all apparently happened. 

I reached out to customer service and the lady was rude and said it was the credit agency 's fault and that she could not do anything. When I brought up that I was charged a late fee on XX/XX/XXXX, and then refunded that same late fee on the same date she got agitated. Then when i asked why I never received any notice or warning about it and she said that Citibank doesn't do that and wouldn't do it without telling people. I let her know that I never received any warning or notice and that literally another company which I pay to protect my identity were the only reason I found out. She said XXXX did the report but that doesn't mean that I shouldn't have been told about it. Then she hung up me when I asked about why i never received any letter or notice or anything about it. 

I don't care ultimately about the credit line or these nefarious people with suspect practices but I never was even told about it. no notice at all. it is not right. 

Then she hung up me when I asked about why i never received any letter or notice or anything about it. 

Also the document and the website says i requested a cash advance which never happened.
Product: Debt collection

I paid off 4 debts with XXXX XXXX XXXX, but they were holding my money and not paying my debts fast so they could collect fee money. I would pay them {$300.00} a month and they would pay {$10.00} a month to debtors. So I contacted the debtors left, one is XXXX Resurgent. They agreed by phone to let me pay the rest of the debt by paying the {$230.00} 2 months and the debt would be paid. I recorded the phone call 2 times. I asked them to send it to me in writing and the following month they demanded the payments without a letter. I said as soon as I get the letter I will pay them. They finally sent a letter but with the full debt of the credit card, which I never spent, without any of the payments from XXXX XXXX XXXX included. They are refusing to honor their agreement with me and XXXX XXXX XXXX so I can pay the debt. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

On Friday XX/XX/2022 I noticed an Extended Fraud Alert placed on my TransUnion credit report without my authorization. I immediately called in to TransUnion, to have the unauthorized fraud alert removed. 

I was told that it was a technical error and that there was no actual fraud alert placed on my credit report. However, I have just received a noticed from XXXX XXXX, indicating that there is in fact a fraud alert on my TransUnion credit report! 

This raises a host of problems, the fraud alert is unauthorized and the employees of the TransUnion fraud department are incompetent as I was assured that there was no fraud alert!
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to XXXX, Transunion, and XXXX to investigate my accounts. It has been over XXXX  days. These consumer reporting agencies are in violation. 
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 an 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 or 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 of 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

I can not see my credit report or any updated information on myequifax. Believe my profile is split, and needs to be cleaned of soft inquires. Called and agent said tech support was to work on it, but have not recieved word that they have. Error code BLNK, is what is given on login to page. Need my credit profile to show accurate and up to date score, not from 2022.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of Debt Bondage and would like for all listed account to be blocked and deleted company information from XXXX, XXXX and TransUnion. 

Please delete the following account : XXXX Account number : XXXX Balance : {$140.00} XXXX Account number : XXXX Balance : {$530.00} XXXX XXXX Account number : XXXX Balance : {$3000.00} XXXX XXXX Account number : XXXX Balance : {$920.00} XXXX Account number : XXXX Balance : {$1300.00} XXXX XXXX Account number : XXXX Balance : {$1300.00} XXXX Account number : XXXX Balance : {$0.00} XXXX Account number : XXXX Balance : {$600.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Disputed an account thats reporting on my credit report with Equifax, Account : XXXX # XXXX. Disputed on XX/XX/2019. Received a confirmation that my disputed was received and being processed. Received multiple emails after stating that the dispute was being processed, last email was XX/XX/2019. Have not received anything else from a Equifax and can not access the dispute via online any longer.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app ( block, inc. ) due to inadequate customer service and fair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measure to prevent address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

I am contesting the presence of inaccurate personal information on my credit report. The following information does not pertain to me, and I have no association with it. I request the immediate removal of this information from my credit report. 


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