23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

About 5 months ago, I disputed several erroneous accounts on my Experian Credit File. Experian stated that they were verified to be my accounts. They never provided any names of anyone that verified this information per my dispute. I recently disputed the items for different reasons, and the following explanation was provided. " You have previously disputed this item. Pursuant to Section 611 ( a ) ( 3 ) ( A ) of the Fair Credit Reporting Act, we will not process a duplicative dispute. If you have new or different information that is relevant to your dispute, you can upload supporting documents by using the button below. Alternatively, you can add a statement to this item or cancel your request below. You may also wish to contact the data furnisher of this information regarding your dispute. '' The following accounts were disputed, and need to be disputed again. 

1. XXXX XXXX this item Account Number : XXXX .... 

2. XXXX XXXX XXXX Dispute this item Account Number : XXXX .... 

3. XXXX Dispute this item Account Number : XXXX .... 

4. XXXX XXXX XXXX Dispute this item Account Number : XXXX
Product: Credit card

I explicitly needed a XXXX credit card so I could use it at Costco. On XXXX/XXXX/16 I logged into the XXXX website and shopped and compared credit cards. At the XXXX website, I clicked a link to CapitalOne to apply for a CapitalOne Venture card. ( The link did not specify the type of credit card. ) I WAS NOW ON CAPITALONE 's WEBSITE. While completing the application on the CapitalOne website, I noticed that it did not specify what type of card I was applying for, so I clicked on the CapitalOne " CHAT '' link. I asked the CaptitalOne agent what type of card this application was for and he/she replied " XXXX, '' so I completed and submitted my application on-line. The chat agent did NOT ask me if I had been directed to their site by a 3rd party link. The application was almost immediately accepted with a very high credit limit. 
On XXXX/XXXX/2016, I received XXXX MASTERCARDS in the mail. I immediately called CapitalOne and requested that they cancel these card and issue XXXX cards as their agent previously had confirmed. CapitalOne told me that because I had been directed to their site by a third party 's website ( XXXX ) they could only issue me a XXXX. I responded " then why did n't your agent let me know this before I applied? '' Their response was basically that the chat agent had no way of knowing that I had been directed to their site via a 3rd party 's site. They refused to issue me a XXXX card and told me I could cancel the MASTECARD ( which I have now done ) but that I was now blocked from applying for a XXXX card from CapitalOne for six months. 
The reason I received a XXXX is either because of a direct lie by their agent ( which I doubt was the case ) or because of a shortcoming in CapitalOne 's website in that their Chat agent should have had the information that I had been directed to their site via a third party so he/she could have answered my question accurately. I made no errors or omissions in the process. The CapitalOne manager we talked to on the phone on XXXX/XXXX/2016 would not admit to any mistake by CapitalOne and refused to acknowledge the fact that their database/enterprise HAD to know that I had been directed to their site via a 3rd party 's site as that is why their system issued me a XXXX. Therefore, they had the information that could have been supplied to the chat agent ; however, they chose not to have that occur and the agent chose not to ask me if I had been directed to their site via a third party before answering my question incorrectly. 
Note : If I had gone directly to CapitalOne 's website without using a 3rd party link, the answer the Chat agent gave me, " XXXX, '' would have been correct as CapitalOne 's manager told me that is the ONLY WAY to get a CaptialOne Venture XXXX card. 
Resolution requested : I would like to receive a CapitalOne Venture XXXX card with the terms and conditions for which I had originally applied. I do not want the application for this new card to appear on my credit report because multiple credit card applications in a short period of time will decrease my credit score further.
Product: Checking or savings account

I have had a Chasechecking account in good standing for approximately 15 years. Never had an issue. Chase has cashed many checks from my employer, again without issue. On XX/XX/XXXX I deposited a check from my employer for {$3100.00} through my chase app, as I have always done. My deposit limit is XXXX btw. On XX/XX/XXXX I received a 10 day hold notice for that check. In fifteen years Chase has never held a deposit of mine. There was plenty of money in my account, but i moved XXXX over just in case ( didnt help ). My employer is a XXXX year old, multimillion dollar, architecture firm. Our controller showed me where the check had cleared their account after midnight on XX/XX/XXXX. Chase had, and still has, my money and will not release it to me, why exactly? I have never had an issue with my account. 

I quickly noticed there was no longer the option to chat with customer service, so on XX/XX/XXXX I called and waited on hold for 1 hour on my lunch break. No answer. Then, on my way home I called again, and using my earphones, I waited on hold for THREE HOURS and still no one answered ( i had to hang up because i was so angry by then i was shaking ). This is not the Chase i knew. I emailed for assistance from my app and received an unhelpful, canned reply. I read my deposit agreement and can not see where a hold was applicable in this situation. This is not a huge amount of money for me, so what gives Chase? Im thankful I have other accounts and this isnt an emergency. This new Chase has shown no respect for my business or my time. I can not believe their nonexistent customer service and i question the legality of it.
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 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 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 1637 ( 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 card

XX/XX/2024 : I received a text from someone who I thought was my boss asking me to purchase a gift card for him, take pictures of it, and then send it to him. 

Also, XX/XX/2024 : Purchased a {$600.00} worth of gift cards from XXXX. I realized it was a scam after I sent the activated gift cards to the scammer. I didn't benefit from this transaction. I reported this to Chase ( XXXX, credit card ) and was assured I would not be responsible for the charge and issued a new card. In addition, I filed a police report with the XXXX XXXX Police Department. 

XX/XX/2024 : Chase returned the charge to my account and said they would not protect me from this scam. I disputed the outcome, Chase said there is nothing they would do to help. 

I'm very disappointed that they gave me so much credit on my limit and then did not protect me. I want Chase to cover the {$600.00} charge and any interest it accrued.
Product: Debt collection

I was originally set up with a payment arrangement with the Attorneys office that sued me back in XXXX or XXXX. I was in an XXXX XXXX with a husband that also XXXX XXXX XXXX along with a XXXX that was XXXX. I do not remember being served by this company. Fast forward I received a garnishment from the Attorneys office. Fast forward to XXXX i get into an agreement with them to pay off the debt. They stated that they sent me multiple letter stating I was going into default. I never received any letters stating this until I received a letter on XX/XX/XXXX that they did not receive my XXXX payment and to contact them regarding the matter. The letter was written on XX/XX/XXXX and mailed on XX/XX/XXXX. XXXX days later. Call and try to make arrangements from them and they are stating that they all ready sent a writ of garnishment due to faulting on the debt. Now they are wanting me to pay more than what was originally agreed to and keep adding interest on to what I owe. I have been going through health issues due to possibly having a XXXX, needing to find a Dr due to possibly being XXXX  and XXXX XXXX XXXX. When I tried to speak to them that paying almost XXXX a month is going to cause me not to eat and barley survive they did not care. Mind you I was going through health issues at the time it happened. They also lied and said i was on multiple payment plans with them which I wasn't. Then tried to lie and say that they talked to me multiple times regarding this which I only spoke to them back in XX/XX/XXXX. They tried to say that they spoke to in XXXX of this year which is not the case. They lied and said they mailed out multiple letters to me which I have yet to Receive. The only one I got was written on XX/XX/XXXX and mailed out 7 days later not even giving me a chance to rectify it. Saying that they all ready sent the garnishment out yesterday to my place of work. The letter stated that I still owe XXXX of this debt because they added on theory attorney fees along with whatever else they added. Then today they said I still owe XXXX or little more because of the interest they add on. When I explained that I can not afford that much I was told well we will be getting more than that from your check since it is at 25 % in the state of XXXX Was told that when he kept trying to say that they sent multiple letter ls to the address on file and yet when I asked why is it I received a letter dated XX/XX/XXXX and yet was mailed out 7 days later? The gentleman had no answer for and just states well obviously we are just going in circles on this and getting no where. He couldn't explain as to why that was. So this tells me he lied and said that they mailed out the letters because I never received them.
Product: Credit reporting or other personal consumer reports

I have been trying for 6 months to dispute items. I have been sent back my letters in mail. I have been denied disputing online, yet transunion is still able to add negative items to my report and I have no way of resolving or defending my person. 
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore. any such debt, in fact therefore exists Transunion is in violation of 15 USC 1681, 15 USC 1692
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Request for Removal of XXXX XXXX XXXX. 

Dear XXXX XXXX XXXX, I hope this letter finds you well. I am writing to formally request the removal of a late payment entry associated with my account XXXX under the provisions of the Fair Credit Reporting Act ( FCRA ). 

According to 15 U.S. Code 1681s-2, creditors have an obligation to report accurate information to credit reporting agencies. I believe that the late payment reported in XX/XX/XXXX and XX/XX/XXXX does not accurately reflect my payment history, and therefore violates this provision. 

Furthermore, under 15 U.S. Code 1666b and 15 U.S. Code 1681i, I have the right to dispute any inaccuracies and to have them investigated. I request that you review my payment history and consider removing the late payment from my credit report. 

I have always valued my relationship with XXXX XXXX XXXX and have made all my payments on time, except for this instance, which I believe may have been an error due to a delay in payment processing. Specifically, my payment was submitted, but it was processed XXXX  days later through no fault of my own. I have attached supporting documents that reflect the timing of my payment submission and the delay in processing. 

I kindly ask that you provide me with a response to this request within XXXX  days. Should you find that the information reported is incorrect, I would appreciate your assistance in correcting it with the credit reporting agencies. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX XXXX
Product: Credit card or prepaid card

Filed a dispute on a charge back on XX/XX/XXXX for a charge for items I never received they said it will take upto 90 days it's pass 90 days and nothing has happened
Product: Credit card or prepaid card

On XX/XX/XXXX I went in to a pnc branch to apply for a business credit card for my business. I have excellent business credit and my personal credit score is XXXX on XXXX. I meet the criteria for a business credit card and I also have others with other institutions. 

However I got a call today from a banker saying I was declined due to 4 reasons 1. Too high balances on existing accounts 2. No recent loans 3. Not long enough credit history/ profile 4. Dont remember 4th reason But all of the reasons are invalid or incorrect I just paid off a bank loan in full a couple months prior. Which my credit report shows that account was closed and paid as agreed, I have a long credit history XXXX  years. I have XXXX auto loans on my credit profile thats paid in full. 
Majority of all my credit cards balances are paid down to {$0.00} balances, and or I only owe a few XXXX dollars on credit cards with very high credit limits. 

I feel Im being targeted being a minority woman and business owner. I meet the qualifications for these financial products yet Im being denied. And I cant seem to think of no other logical reason, being that I have excellent credit rating on my personal and my business
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, CA XXXX XX/XX/2023 XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

BEEN SEEING THESE FRAUDULENT HARD INQUIRIES EVERYTIME I WAKE UP. PLEASE SEE AND CHECK POSSIBLE ACTIONS TO MAKE THESE PERMANENTLY REMOVE.
Product: Vehicle loan or lease

On XX/XX/XXXX Wells Fargo accessed my bank account and debited a second auto loan payment. The payment I authorized and submitted Had been completed on XX/XX/XXXX. This was a second and completely unauthorized transaction that Wells Fargo claims is a glitch in their stand they have no timeline on when it will be remedied. This affected thousands.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reviewed my XXXX  credit bureau report on XX/XX/XXXX. The report shows a late payment was made on Bank of America Visa signature card for the month of XXXX. 

I like most consumers have been affected by Covid 19 global Pandemic and ensuing economic slowdown. Our business was effected and in short my payment for XXXX was also late. As such I requested assistance from Bank of America. They were unwilling to offer me any assistance with regard to late reporting. As my business has recently bounced back I was able to pay off some of credit cards, and I would like the account as either flagged as being effected by the natural disaster or be in a position to be considered an account in good standing. 

As the world continues to cope with the impacts of the COVID-19 crisis, government officials throughout the U.S. have taken important steps to curb the spread of the virus. At the same time, many businesses, financial institutions and government entities are stepping up to provide some relief to those who are worried about their financial security. 

Lenders that report data to credit bureaus as required by the Coronavirus Aid, Relief and Economic Security ( CARES ) Act will not cause consumer credit scores to go down. XXXX  supports the CARES Act and is urging all consumers who are in financial distress as a result of COVID-19 to contact their lenders and reach an accommodation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Loan was consolidated XXXX, servicer Great Lakes acquired in XXXX. I have disputed on many occasions the inaccurate information that has negatively impacted my credit. 
I have contacted all agencies involved and was advised that Great Lakes is unable to provide any full breakdown due to the lack of information or documentation that was with the previously servicer that initiated the consolidation. 
The servicer was originally XXXX XXXX. The date opened XX/XX/XXXX. The date of last payment with XXXX and XXXX shows XX/XX/XXXX however XXXX only shows last payment date showsXXXX. Disbursements for XXXX XXXX XXXX was {$3300.00} XX/XX/XXXX and {$3300.00} XX/XX/XXXX for a total of XXXX. From Federal student Aid site the check disbursement shows {$7600.00} with the original amount showing as {$7700.00} XX/XX/XXXX. The principal balance showing as XXXX. Great Lakes reports the original amount to be {$8500.00} with a principal amount XXXX. 
This has caused 219 % of my utilization.
Product: Mortgage

TRANSFER TRANSFER TRANSFER The company that deserves to be shut down : Carrington Mortgage Services LLS XXXX XXXX XXXX XXXX XXXX XXXX & XXXX XXXX, CA XXXX I first obtained a loan through XXXX. After only XXXX  months, my loan has been transferred to a new servicer the XXXX  time. And, this time, it has been a disaster. 

Once transferred to Carrington Mortgage, I immediately started calling and trying to settle their request for flood insurance. Because we own a condo, it is purchased and covered in our HOA payment. 

I wish I had tracked the number of times I called or emailed Carrington to explain this, but I did not. Nonetheless, each time I called, I was told it was resolved. 

Then, I would get another letter saying they had no record of flood insurance and that Carrington Mortgage would buy flood insurance on our behalf... what! Is this legal? 

As I explained many times through phone calls and emails and their online document upload process, our flood insurance is through our condo HOA! We do not buy it separately. Yet, they have chosen to charge us for another policy! Yikes! How does this happen after repeated attempts to fix it? Today, I also received a large check from Carrington that appears to be our escrow refunded, and they did not pay our real estate tax. 

It does not matter who I call there, I can not get anything resolved. Please help. 

Here is the information that might be needed to get this worthless company to fix our account : HOA company that can provide flood insurance policy information : XXXX XXXX XXXX
Product: Debt collection

The company has failed to provide any type of proof that this debt even belongs to me. The company never submitted a letter or any type of notice that I a debt with the company but in the mean time the company is reporting on my credit report. Since noticing the account being reported on my credit, I have submitted a Consumer Debt Validation which I have attached.
Product: Debt collection

I have reached out to this company by mail and also disputed this account on my credit report, They still not have validated this debt or shown any documents saying that I owe any debt to them
Product: Credit card or prepaid card

Bank of America Well, back in XX/XX/2023 I missed a payment I called in a couple days later to make the payment. The woman told me to pay a certain amount which turned out to be XXXX or {$30.00} less than it shouldve been ( mistake on her part, how this all got started ). So I go on my merry way, thinking it was taken care of meanwhile, Bank of America is just dragging that XXXX or {$30.00} behind and charging the ridiculous amount of money. I called several times and it seems like we had it figured out here it comes again, It wasnt figured out. This was a failure on their employees, and now they have begun to ruin my credit. My other cards are reducing the limit, I had great credit Bank of America XXXX  me. Now heres the kicker there talked me into auto pay. That way you wont miss your minimum payment they said. but of course they did not mention that my minimum payment coming up was over XXXX and something dollars I would never have a greed to that and they went into my bank account and cleaned me out. They took between XXXX and {$1400.00} I called to find out whats going on and they return XXXX ( which is around the amount that I paid them because of the late payment they usually double up on you ) I deactivated my account on my online banking so it was down and Bank of America somehow stole another XXXX and something dollars that night it was as crooked as crooked gets theyve basically robbed me. I talked to XXXX young man at BofA after the fact and he said that hes never seen anything like that and Bank of America definitely screwed me, I dont know why but now theyre ruining my credit my other cards are reducing the limit, as it stands I cant morally pay them any more money until we get this cleared up and I will never ever deal with that horribly corrupt institution again. I hope this is enough. Thank you.
Product: Debt collection

I have called and sent several dispute letters and a debt validation letter and I have not received anything back in reference to this account. When i call they tell me they dont have any information about this account but its still on my consumer report.