23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/2019 I was contact by National Credit Adjusters about a debt that was taking out with Rise which is a personal loan, this debt was Discharged thorough Bankruptcy in XX/XX/XXXX or XX/XX/2019 which is public record and also reported under the original trade-line. After informing the collection the rep still proceed the Mini Miranda /Monitor disclosure and proceeded to give me account information. Rep never asked for attorney information case number or even discharged information to ensure for me not to receive collections calls on a debt I no longer owe. After being informed of bankruptcy the rep should cease attempting to collect and retain all viable information to make sure to follow all State law and federal collection laws
Product: Credit reporting, credit repair services, or other personal consumer reports

While checking my most recent credit report I noticed a credit inquiry that I did not authorize made by   XXXX   XXXX   I did not authorize anyone employed by this company to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting A ct Section 1681b  (  c   ) and a serous breach of my privacy rights.
Product: Credit reporting or other personal consumer reports

My account with XXXX EXPERIAN XXXX was never late! I have had exceptional payment history all payments were placed on XXXX. 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 to be updated.

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 XXXX ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


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

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

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

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

I filed a dispute with XXXX because my mother 's negative credit information is being applied to my credit report. I explained this in my dispute and provided XXXX my mother 's SS # to assist them in their investigation. My mother and I had the same name before my marriage. Note : I'm only having this problem with XXXX. XXXX  and XXXX  are 100 % accurate. 

XXXX  Investigation Comment : Barclay Card - Disagrees with dispute and charged off account. 

The disputed charge has remained on my credit report and it has prevented me from obtaining new credit.
Product: Credit reporting or other personal consumer reports

I am writing to delete the following information in my XXXX. The Items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items ve deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commision Identity Theft Adavit. Please delete the items as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2nd attempt to get this rectified with your organization in regards to these   XXXX   accounts reporting on my credit file. I am making complaints against  XXXX , Experian and "   XXXX   XXXX   '' for reporting an unverified debt. I have no idea why these   XXXX   accounts are on my credit file and where they originated from. I  continue to receive auto-responses that this has been " verified '' and at no time have I ever received any agreement or contract with my signature on it verifying that I ever agreed to pay or owe this debt! What this means is that anyone can state that any consumer owes them money and it 's taken at face value with no consequence or proof! This means that I can send a collection agency a claim that whoever is reading this owes me {$2000.00} and the bureaus will believe it when that company says that it has been verified and that 's the end of the story. It does n't work like that. Congress states that the only legal proof is firsthand knowledge which means having the actual documentation in their hands. If that were true, there would n't be such as issue in regards to validating this. In addition, I 've had to dispute with this company at   XXXX     separate addresses because the address listed on my credit file is not valid and was returned. I have only received  XXXX  letter from   XXXX   XXXX   and it was from a different address than what is listed on the report. Therefore, I disputed with them at that address via certified mail ( each time ) and at no time have I ever received any other correspondence. Because they are not replying to me at all, this means that I am right and do not in fact owe any money to them. If I did, they would immediately send me the proof of this and back it up! The bureaus have disregarded my request for method of verification, procedures used to verify this debt and have willfully told me that this has not been disputed for the past 3 months even though I have faxed it to them as well as sent in the mail. I can also see on experian.com and   XXXX   that the status of this account continues to change from in dispute to not, so I do know that my disputes are being received.
Product: Mortgage

I have been working with LoanCare and have been providing documents to be reviewed for a loan modification. As of XX/XX/XXXX they confirmed they received all the documents they requested and were escalating it to the underwriting department due to the foreclosure sale date scheduled for XX/XX/XXXX. When calling LoanCare this morning, XX/XX/XXXX, they informed me that my application is still being reviewed by underwriting, however, LoanCare has not submitted the request to have the sale date postponed. This would be considered a form of dual tracking and violation of Homeowner Bill of Rights if they are stating they have everything they need but yet are refusing to postpone the sale leaving me with limited options and in a stressful situation. LoanCare has failed to provide me with either a denial ( and the right to appeal ) or an approval so therefore the foreclosure sale can not continue.
Product: Credit card

My name is XXXX XXXX. My number is XXXX. My social number:XXXX. I applied american express platinum credit card back to XX/XX/XXXX. 
According to the offer terms : I will be given XXXX membership reward pts after spending XXXX dollars in the first 3 months. 
I did spend XXXX dollars within 90 days. Later on, I returned an item to XXXX and amex said this is not part of qualifying purchase. So I am not eligible to get the welcome bonus. 
According to the offer terms, the return items will be
Product: Checking or savings account

The below complaint was submitted recently, Wells Fargo rep, XXXX XXXX, answered stating can not reply due to litigation which is a lie, he has attempted prior to use the same reason and failed. It is evident he lied as the CFPB has prior complaints on file in which he has provided a response ... Also, he has replied numerous times prior with a general form response which is bogus itself. His form response states numerous attempts to resolve each and every issue raised made, exhausted all efforts which is also a lie. I have no such record of any attempts such as calls, emails, etc from anyone at Wells Fargo aside from XXXX XXXX with their mediation program. XXXX offered a settlement amount which I have learned she low-balled as other Wells Fargo customers have received more with lesser damages than myself. No payment was received from the offer, XXXX provided a check copy which was not signed by myself and no funds received from it which I made clear in complaint prior in which he attempted to use the " can not reply due to litigation '' line which I mentioned above and again, is a lie. To date, I have filled out a total of FIVE mediation request forms, all denied. Wells Fargo keeps mailing me these forms which I have filled out and again, was denied. Since no payment was received as stated earlier, I am back to requesting refund of overdraft fees charged to accounts not authorized and have damaged my ability to open accounts with other institutions due to XXXX XXXX   reporting and other consumer reporting agencies. Most recently, I attempted to open a money market account and was denied due to information reported from these accounts. I am requesting a refund in the amount of {$610.00} in overdraft fees charged which is detailed in below complaint.. 
According to XXXX XXXX with Wells Fargo, a settlement check was mailed to me sometime in or around XXXX which was not received. The check I believe is from a settlement offer made by XXXX XXXX in XXXX, she contacted me after I sent a mediation request form in. The mediation request stems from several checking and savings accounts opened in my name which I did not need or want, the accounts were opened as a result of high pressure sales tactics to boost executive profits. I had initially requested a refund in the amount of {$610.00}, was denied by Wells Fargo reps whom only offered small remedy refunds. Since no payment was received, I have referred back to this request and sent in additional mediation request forms, a total of five to date, all denied. XXXX replies to CFPB with either a bogus form letter stating numerous attempts at resolution made, exhausted all efforts which I can assure the CFPB and any other third party is a lie, also attempts to state he can not reply directly or due to litigation, which is also a lie. XXXX has not detailed ONE such attempt at resolution such as any calls or emails to me attempting to reach out, there is none. Further, I have not received any payment from this supposed check sent and cashed in my name, I believe any check he refers to was fraudulently cashed.
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention an unresolved issue concerning inaccuracies on my credit report, specifically with Experian. On XX/XX/XXXX, I initiated contact with Experian to address the following discrepancies, but as of this date, I have not received a response. The details of the inaccurate information and the necessary corrections are outlined below : The account listed as XXXX XXXX Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} ) is not mine. Please remove it from my credit report. 


The account listed as XXXX XXXX ( Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$8000.00} ) is not mine. Please remove it from my credit report. 


The account listed as XXXX  XXXX ( Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$10000.00} ) is not mine. Please remove it from my credit report. 


The account listed as XXXX ( Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$340.00} ) is not mine. Please remove it from my credit report.
Product: Credit reporting or other personal consumer reports

I received on my credit report saying I owe XXXX which I do not have a XXXX XXXX account. never had one with them send in a letter asking for verification have not received Based on 15 USC 1681 states I am aware all rights I have that are protected by Congress under the Fair Credit Reporting Act ( FCRA ) and this account has violated my federally protected consumer rights to privacy and confidentiality.
Product: Credit card or prepaid card

I requested a credit limit increase and was declined because a Capital One stated that they could not retrieve my credit report. That is not true. They just approved me for a card an hour prior.. and a car loan less than 30 days prior. Im on my credit report is not locked. I have checked with all three bureaus. In addition, you guys are the credit furniture.
Product: Credit reporting or other personal consumer reports

INFORMATION ISNT ACCURATE IN MY REPORT. MORE THAN 7 YEARS IN FILE THS IS ILEGAL. 

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

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. 

Here are the aforementioned items : 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: Checking or savings account

Had money deposit into the account from my retirement account, then they just wont let me access the account. They said have to go into branch and verify which I did and had branch manager call in but was told the account would be under review for 90 days. While letter I received said they would close the account 21days or so. I thought storys about bank robbing people was not true but I am wrong. They should either return the money back to its sender or send me a check. But they said review for 90 days and who know what they will do with money. Yes account was open online but BMO have to verify with ID and selfie.
Product: Money transfer, virtual currency, or money service

I am filling a complaint against cash app ( Block , Inc ). Due to inadequate customer service and unfair practices, which violates the consumer financial protection act ( CFPA ). Specifically, cash app failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the electronic fund transfer act ( EFTA ) and regulations E. These actions have caused significant inconvenience and financial loss, and i seek appropriate redress for these violations.
Product: Money transfer, virtual currency, or money service

I had/have a PayPal account XXXX There is a {$54.00} balance. I never received any notices in my account about problems, but suddenly I couldn't send it receive any funds from the account. I contacted PayPal and was informed that I broke the agreement of the Terms and Conditions, but they would not ( told me they could not ) tell me how I did that. They will not allow me access to my funds, nor will they allow me to remove my bank or credit cards from my account. They only thing i have been about to find out about this is that they have 180 days to do something, but since I have no idea when this started I have no idea how long I have to wait, as well as that they may charge me up to {$2500.00} as a fee for what I did wrong ( though I still don't know what, if anything I did! ). And I feel like being tricked and scammed out of my money!
Product: Credit card

On XX/XX/year> my financial institution made injury to pay off my credit card from a home mortgage loan I took out to pay this card among other debts. The representative from Citibank gave them the information to do so and my financial institution remitted the payment by certified instrument and overnighted the payment to them that arrived at the payment receipt center with tracking verification. Citibank held the payment until the XXXX claiming they had no idea it was sent. unknown to me or the financial institution a request for payment was sent to Citibank leaving a balance that I immediately paid later on the XXXX and funds cleared the XXXX. this payment was made in the allocated interest free period, and no interest should have incurred. I was informed by their agent out of XXXX as they use them to answer calls and debit accounts that the account will be satisfied on the XXXX. As of the billing cycles end. I was never informed that the account was incurring daily interest until I received an email on XX/XX/year> demanding additional interest that they credited to the card making a XXXX balance to increase to an owing balance claiming I owed addition interest in order to satisfy the account. An account that should have been paid in full on XX/XX/year> including all interest occurred continued to draw daily interest that they fail to inform my Finacial intuition that was making this large payment on my behave. They then claimed in phone communication that they do not make a closing payoff nor freeze the interest which occurs daily on the sum and that the interest charge was a legitimate charge. I informed them that I believe this is predatory practice and failing to disclose the interest never end is in violation of lending and this practice makes it impossible for the customer to ever know what the final or closing amount will ever be and they are not entitled to further interest due to failing disclosure that payment request is not the complete payment and interest continues daily.
Product: Credit card

I used XXXX to look up a list of credit card companies that will do a pre-qualification check on you with no impact to your XXXX XXXX. I came across a company called FORTIVA Credit Card that advertises they provide said qualification process at XXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXX upon clicking this link, I am taken to a screen where I thought I was putting in basic information. When I submitted- it said my application was denied, and then I was sent an email describing the reasons, including my XXXX XXXX. So evidently, this was not a pre-qualification screening - the link they provide sends you to a full blown credit application with a misleading " prequalification '' link. I just wanted to see if I was pre-qualified, I didn't want to submit a full-blown application for credit. This was very misleading and now may have a negative impact on my credit due to an inquiry made.
Product: Credit card

I obtained care credit for medical expenses which had promotional zero percent interest if the balance was paid within a year. During the year I had a XXXX procedure completed. I paid over the amount of the monthly fee every month and at times XXXX my payments. I began accruing interest and when I called the company to dispute this I was told that I had to call every month after a payment a request that the additional amount I was sending in be credited to the initial purchase. I was told there was nothing I could do and that I would need to pay the interest. This is deceptive and not indicated in the contract. The company is Care Credit now Synchrony Bank.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute several inaccuracies i have identified in my credit report, which are detrimental to my creditworthiness and personal reputation. The erroneous entries pertain to unauthorized Accounts and incorrect personal information including names, addresses, and employment history. Aa a seasoned consumer law attorney I are aware of the requirements under the Fair Credit Reporting Act ( FCRA ) and the XXXX XXXX XXXX XXXX XXXX XXXX XXXX guidelines, and I demand immediate recertification of these errors. as every attempt to notify or contact the credit bureaus has been ignored
Product: Credit card

Wells Fargo is harassing me about a missed payment on credit card debt that is not even mine. This is despite a pending complaint against them.
Product: Mortgage

Call log dates XX/XX/18 XX/XX/18 My loan was transferred to a new mortgage company less than a month after the closing Closed on XX/XX/18 Transferred on XX/XX/18 payments started with new mortgage XX/XX/18 my first payment was made to mortgage company I closed with - XXXX payment My credit report has 2 mortgage companies for the same loan amount. After multiple calls on XX/XX/XXXX & XX/XX/18 ( at least 6 call between both mortgage companies ) Shellpoint found the info that my loan was transferred however I now have a late payment for the month of XXXX on my credit report with Shellpoint after I was told there's a 60 day waiver. As of XX/XX/2018 my credit dropped -54 points for late payment that was made on time to the new mortgage company Loanserving. 

I Info was emailed to Shellpoint at XXXX and called in at XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update or remove the following inaccurate items in my report : XXXX XXXXXXXX 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 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 card or prepaid card

Have several of ( SYNCB Old navy hotel and travel ) listed please remove from my report my credit was on a freeze and no one was able to gain access. Please remove and im not sure why SYNCB Old navy hotel and travel is on here never applied. I do not even have an account associated with this company. Dates listed on my report are XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/XXXX I redeemed my miles for cards for a total of {$570.00} based on Capital One venture rewards program. On approximately XX/XX/XXXX I closed my account. I never received my gift cards in the mail. Capital one rep confirmed they were undeliverable and they would submit a case to have them reissued. I never heard back, after calling back the following month XXXX, a capital one representative tried to issue me a check for my rewards for {$160.00} acting as if that would resolve the issue. When the purpose of my call was to get the status of the reissue of my gift cards. She acted surprised and escalated the case. I finally heard back from capital one in regards to my issue, they now want to issue me {$180.00} cash rewards in lieu of the gift cards which totaled {$570.00}. These practices are deceiving. I redeemed my gift cards prior to closing the account. Its not rocket science to be able to reissue what was done at the time of redemption. Capital one rewards program is a complete scam. The customer service act like they dont know what they are doing.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act this creditor has my rights under 15 USC 1681 section 6 o 2 states that I have the right to privacy. 15 USC 1681 section 604 a 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 account under an open end consumer credit plan as late for any purpose