23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Please send any inquiries You made to any credit bureaus between XXXX and XXXX Send copies of your inquiries and the results of your inquiries and all responses from the credit bureaus
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm trying to get access to new lines of credit, but a previous situation with Capital One and XXXX is impacting my overall credit-score. 

This incident happened in XXXX, 2022 with Capital One ( XXXX XXXX ) consumer credit card payment that was delinquent for over 60 days. This ( XXXX XXXX ) Capital One CC was transitioning over to XXXX XXXX responsibility during that time, and would no longer be under Capital One going forward. 

* This change caused confusion on the consumer side. 

* In addition the above change, this issue was further compounded since we recently moved and underwent an address change during that time and missed the notification entirely. 

My wife and I share responsibility for the payments, and tied to the card. There was a small {$65.00} charge that personally I was not aware of and went unnoticed for over 3-Months and is a poor reflection and major derogatory mark on my personal credit score. 

When tried to resolve the issue, they were not willing to help and made things extremely difficult to resolve. I was so frustrated, I closed the account with them and did not move forward with the new responsible party of XXXX.
Product: Mortgage

Chase received the short sale offer on XXXX/XXXX/16. Due to Chase 's stall time in reviewing the file, the appraisal has expired and new appraisal needed to be ordered. USDA will not review shorts sales if the sheriff sale has occurred. Sheriff sale is scheduled for XXXX/XXXX/16. On XXXX I requested that Chase postpone the sheriff sale. As of today XXXX Chase still has not postponed the sheriff sale. This is unacceptable as we have a short sale offer for the property. We consistently have issues with Chase and their review process for short sales. File has been escalated through Chase as well and still no postponement of sheriff sale. Sellers are trying to do the right thing by doing a short sale and not letting the property go into foreclosure and Chase is harming our clients. Please submit this complaint to Chase to have them postpone the sheriff sale date ASAP!
Product: Credit card or prepaid card

In XXXX of XXXX I agreed to have my Kitchen Cabinets remodeled with Home Depot. I made the purchase on their department store credit card They received my parts and came out on XXXX XXXX to complete the task. They botched the installation, mismeasured the cabinets and had to re order them. They re ordered them and came to install them again in XXXX. they did not fit again. The job was completely half done. And is not up to par with any sense of the word professional. I still owe XXXX dollars for this cabinets with their card and have been making payments on the job since XXXX of XXXX and I still do not have a kitchen. 
Today on XX/XX/XXXX someone was supposed to come and at least fix the doors at XXXX but no one showed up. I got blown off and when i called at XXXXXXXX XXXX the office was closed. They close at XXXX! 
I have had to live with out a kitchen all year long, an on top of it all the work that was complete in my kitchen looks horrible.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act 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 XXXXXXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I had Trying Fixing this problem with bank of America numerous times.The problem is still there showing late payment XX/XX/2019 which was error from BOA they even waived the late fee because auto payment system error. I have Secure card with BOA suppose to get my deposit back after first year along with credit increase that was in the contract.never happened either.
Product: Credit reporting, credit repair services, or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX ACCT # XXXX XXXX XXXX ACCT # XXXX XXXX XXXX XXXX Account # XXXX XXXX Act. # XXXX XXXX XXXXXXXX XXXX XXXX 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 ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.
Product: Credit card

I get a bill statement for {$10000.00} from XXXX XXXX for a purchase on XXXX XXXX and I credit limit request that I did not make. Someone use my name and credit to make this purchase.
Product: Checking or savings account

I am seeking a resolution to a fraudulent claim case that has occurred to my checking account. Between XX/XX/XXXX and XX/XX/XXXX my card was stolen and debited for XXXX. I only found out after I attempted to log into my account to pay my insurance bill. I immediately froze my account so that I could do my own investigation. I realized I was not able to find my card and then I file a fraud claim. I was denied and asked for an appeal. I sent in a police report and the case was reopened on XXXX. After XXXX month I was denied once again. I also see that my documents I submitted was never reviewed. I feel as though USAA is attempting to blame me or accuse me of fraudulent activity. I have XXXX houses and XXXX cars fully insured with them aside from this checking account and I have NEVER submitted a claim for any of my assets or this bank account. I am seeking a resolution or I plan to fully move all of my assets to a company that I feel will protect me and not make allegations towards me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had my ID compromised 3 times in the last 15 years. Through data breach and my wallet stolen. Once while working at XXXX in Pennsylvania. All my cash and CC were stolen. I called them all and cancelled info and cards. 
XXXX insists I have a CC through XXXX I do not/never did XXXX had me as having a card- I do not/never did The reporting agencies have me down for something from a place called XXXX no idea. 
BOA card- I have never had one. 
There are also a tone of credit inquiries on my report that I have not initiated. From California, Arizona, XXXX XXXX and other weird inquiries. 
One of the agencies has my name as XXXX XXXX XXXX Wrong/ It is XXXX XXXX XXXX XXXX 
At one point I was listed as living in Montana AND a XXXX XXXX XXXX in Maryland at the same time. They have me once residing at an address in XXXX that I have never lived at. 
A collection agency keeps reporting me for a XXXX XXXX  from over 10 years ago that my insurance paid and my husband paid the difference by check. 
I have contacted the agencies and they send a letter to my home telling me they can not verify me. I dispute over and over again to no avail. I have lived at my current address for over 14 years. There was a loan co signed for my dead Mother who passed 13 years ago still on there. 
I have only three active credit cards and they are in good standing. XXXX, XXXX and a XXXX XXXX mastercard. That's it. No mortgage, student loan or anything. 
These errors are killing me. I had hired a '' fix the errors '' company years ago but they were socking me {$89.00} dolloars a month and were only able to make a slight headway after 8 months.
Product: Credit reporting, credit repair services, or other personal consumer reports

A company with the name XXXX XXXX XXXX XXXX , XXXX got a BUSINESS credit card from Chase in XXXX, for which I signed a personal guarantee. 

The company could not afford to pay the card any longer so I would have to pay the dues. 
I send a letter asking regarding this matter on XX/XX/XXXX to Chase and got a respond XX/XX/XXXX!! About six to seven weeks later!! That is an error on the side of Chase!! 

Obviously i stopped paying the dues at that time since I did not know if I would be liable or not. 

In XXXX, Chase went to the credit bureaus and reported, one sided, that this account ending in XXXX was past due and now closed. This without any contact with me. My credit score dropped 150 points!! My payment record history is excellent. 

This case went on, after many phone calls and letters to the executive office of Chase in Ohio to no avail in XX/XX/XXXX. Till today, XX/XX/XXXX case is not resolved. 

My request to Chase is simple : Write a goodwill adjustment letter, send it to the credit bureau and i will not only pay the overdue portion, i will pay the card off in full in one shot {$24000.00}. The money is in my bank account at another bank so i have no problem to pay.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been the victim of troubling and on going ID THEFT. I have had a fraud account that was removed from my credit report and Experian has in the past removed it and now they are re-reporting it. I have sent in police reports as well as other supporting docume nts.    XXXX   XXXX   WITH A BALANCE OF  XXXX  THIS IS A FRAUD ACCOUNT AND NEEDS TO BE REMOVED. I HAVE SPOKEN WITH   XXXX    AND WAS TOLD IT WAS EXPERIANS RESPONIABLY TO REMOVE THIS
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I sent an identity theft report, via certified mail, that was received. This mail included a copy of my driver 's license, social security card, and a utility bill to XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, and Experian Information Solutions INC. because I am a victim of aggravated identity theft. According to 15 USC 1681c-2 ( a ) a consumer reporting agency must block the reporting of any information in the file of a consumer that identifies as information that resulted from an alleged identity theft, not later than four business days after the date of receipt by such agency. They, the credit bureaus, failed to block and remove all the accounts on the FTC Identity Theft Report. My credit report is still reporting an account for XXXX, US DEPT OF EDXXXX and US DEPT OF EDXXXX this has cause me great XXXX, stress, and financial hardship.
Product: Credit reporting or other personal consumer reports

I have never used Capital One but yet they are on my credit report and hit me and docked me XXXX points on my credit score.
Product: Credit reporting or other personal consumer reports

This notice is to inform you that you are unlawfully reporting an unauthorized inquiry on my consumer report. I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information.

By obtaining my consumer report knowingly without any permissible purpose you are in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ). XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXXXXXX ) I have not initiated any transaction with { XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX }. Furthermore, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with { XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX } for review or collection.
Product: Debt collection

I mailed a validation letter for the debt disputes. The debt collector failed to respond. The original creditors were filed in XXXX XXXX bankruptcy. In addition, the reported balances is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I challenge the accuracy and compliance of this listing. I requested that the reporting company provide me with any relevant information and supporting documentation on the following account XXXX XXXX - student loan is in deferment status, it is not aid late. None of them responded in detail, all they send me a is a computer generated paper saying the accounts are correctly verified.. I have provided explicit documentation that proves the inaccuracy, yet bureaus continue to report incorrect information. CFPB remove this error and fix my accounts
Product: Debt collection

CONVERGENT OUTSOURCING IS FRAUDULENTING REPORTING A COLLECTION DEBT THAT'S NOT OWED TO MY TO XXXX, XXXX, AND XXXX. 
DATE OPENED : XX/XX/2021 ACCT # XXXX AMOUNT {$1400.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX sent credit in my name to a lady in Kentucky now is reporting it as a {$650.00} credit line in payed this has been going on now for 2 years experian refuses to delete it I never had this card I filed a complaint. With the police in Kentucky they could not find this person
Product: Student loan

I attended XXXX XXXX XXXX XXXX XXXX from XXXX of XXXX - XXXX of XXXX When I signed up I was told tuition was XXXX. Financial aid would cover not cover all of the tuition and leave XXXX. 
I was offered a private loan for the amount XXXX and was asked to pay XXXX on XX/XX/XXXX for the down payment, leaving a total of XXXX Total Balance due was XXXX for total tuition cost XX/XX/XXXX - XXXX payment ( Cash ) XX/XX/XXXX - XXXX payment ( Credit Card ) XX/XX/XXXX - XXXX payment ( Federal XXXX Grant ) XX/XX/XXXX - XXXX payment ( Federal Unsubsidized Loan ) XX/XX/XXXX - XXXX payment ( Federal Subsidized Loan ) XX/XX/XXXX - XXXX payment ( Electronic Transfer ) XX/XX/XXXX - XXXX payment ( Electronic Transfer ) XX/XX/XXXX - XXXX payment ( Electronic Transfer ) XX/XX/XXXX - XXXX payment ( Federal Unsubsidized Loan ) XX/XX/XXXX - XXXX payment ( Federal Subsidized Loan ) XX/XX/XXXX - XXXX payment ( Federal XXXX Grant ) XX/XX/XXXX - XXXX payment ( Electronic Transfer ) XX/XX/XXXX - XXXX payment ( Credit Card ) XX/XX/XXXX - XXXX payment ( Electronic Transfer ) XX/XX/XXXX - XXXX payment ( Electronic Transfer ) XX/XX/XXXX - XXXX payment ( Electronic Transfer ) Extra Charges XX/XX/XXXX SCH Charge XXXX payment ( credit card ) XX/XX/XXXX XXXX Charge XXXX payment ( credit card ) totaling XXXX Amount remaining XXXX would be the remaining balance that does not include the XXXX above charges that were not talked about in the total cost but added after the contract was signed so the actual balance should be XXXX because those additional XXXX charges were not included in the cost. I paid a total of XXXX to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX / XXXX After I graduated I had some financial issues and fell behind. In XXXX of XXXX I was contacted by XXXX ( XXXX XXXX XXXX. XXXX ) They informed me that I could make payments for my debt owed to XXXX XXXX XXXX XXXX XXXX / XXXX I believe that XXXX XXXX XXXX XXXX hired another company to collect the debt that was actually owed to TFC. 
I arranged with XXXX to make bi-weekly payments of XXXX until the balance was paid. I did not miss one payment. It has been paid since XXXX of XXXX. I have a letter for proof. I can also provide bank drafts for the XXXX payments made. 
My credit report is still showing that I owe money to XXXX, it show that it is closed and has an outstanding balance of {$2000.00}, still showing past due as of XX/XX/XXXX this is for the money owed to XXXX XXXX XXXX XXXX XXXX. 
I contacted both TFC and XXXX they do not work together. I was denied a car loan due to the out standing amount. It has caused issues for a few years now. I am not sure how to handle this it is costing me money and I am unable to do anything. I have contacted the credit bureaus and they can not help me even with the letter that was provided.
Product: Credit card

This dispute is due to a {$29.00} final payment that was due and paid via checking account and payment cleared on XX/XX/year>. Per the representative. the check was returned by my bank. when checking my statement the payment was processed which made my final payment, but several late fees were charged to me and reported to the credit bureau tremendously reducing my credit score to XXXX and I've XXXX been below XXXX. I've asked to have the late fees removed because I've satisfied the account, and now it's reporting to the bureau, I ; ve also tried to pay with the Bureau of Public Debt which they are not allowing me to because it's already being used by them double dipping.
Product: Credit card

Two Wells Fargo credit cards ( XXXX XXXX and Wells Fargo XXXX XXXX ) were selected for income verification on XX/XX/XXXX. I received a letter XX/XX/XXXX requesting I fax a completed form 4506-C, along with two cardholder consents to tax return information, by XX/XX/XXXX. 

I submitted these forms, and Wells Fargo successfully verified my income ahead of the deadline, unblocking one of my cards ( Wells Fargo XXXX XXXX ). However, my XXXX XXXX was not unblocked, as Wells Fargo had already closed it, ahead of the deadline they stipulated. They claimed they could not possibly reopen it despite my income having now been successfully verified by the IRS. 

The account closure letter, and written responses to prior complaints, are both directly contradicted by what I've been told on many recorded phone calls. The XXXX card was closed prematurely when the form 4506-C did not include a timeframe- as the request letter specified none - and so no information was ever received from the IRS. 

If IRS info truly did not match my information- as Wells Fargo claims in writing ( though never over the phone ) - I would not have been able to verify my income immediately thereafter and unblock my XXXX XXXX. 

I simply want my credit card reopened. They tell me to just reapply, because they know I am who I say I am, and their broken bureaucracy is at fault for this mess. But Wells Fargo has broken multiple credit access laws through their unworkable processes, and they, not I, should have to make amends. 

This is a widespread issue, with many others reporting the same practical impossibility of passing income verification with Wells Fargo failing to specify the exact info they're looking to verify from the IRS : XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/year> Chase Southwest report my credit card account late In accordance with the fair credit report act this creditor has violated my rights under 15 U.S. code 1681 section 602 states i have the right to privacy. 15 U.S. code 1681 section 604A section 2 it also stated that a consumer reporting agency can not furnish an account without my written instructions. I also understand that according to federal law 15 U.S. code 1666b ( a ) a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Product: Mortgage

Today, I called SPS Mortgage and spoke with relationship manager XXXX and informed her that my XXXX XXXX and XX/XX/2023, payments for XXXX and XXXX Principal and Interest only of {$200.00} were wrongfully posted under unapplied balance. Her response was that it would take XXXX days to correct the error, that is unacceptable. I stated that I spoke directly with a customer service agent on XX/XX/XXXX and made the XXXX payment and then scheduled the XXXX payment for the next day, XXXX XXXX since the agent stated that they could not take XXXX payments on the same day. XXXX was firm and stating that they send them to the payment department who in turn post it. That sounds as if the payment department decides how they want to allocate my funds, which is false, I decide. Also, they report erroneously to the credit reporting agencies based on their inaccurate decisions. Why as a consumer am I making payments to have SPS mortgage payment department servicing my loan for them to do what they want with my specific payment request ( XXXX )? This is not the first time this has occurred with SPS Mortgage Servicing , Inc. chooses to give excuses for their misconduct in handling my mortgage payments. I have yet to get my escrow account corrected from where they misappropriated funds that I clearly requested to me added to my escrow account over 8 months ago. Refusal ongoing in both areas gives false balances, false monthly statements, false narratives, false credit reporting and all this damages me as a consumer. This ought not be.
Product: Consumer Loan

Multiple offers for " pre-approved '' installment loan to assist with debt consolidation. Letters read : '' You 're Pre-Approved for a personal loan up to {$50000.00} '' Once personal information is entered on website, no offers given.
Product: Debt collection

Company is claiming to sue me over debt that was from a credit card with Identity theft. Told them I did not have that card and was trying to speak to someone about ending the lawsuit they have filed against me. Company has been rude during communications.
Product: Credit card or prepaid card

XXXX XXXX and Citi Credit Cards do not give you points as stated on your credit card statement. Citi has failed to send XXXX XXXX over XXXX points over 4 years! XXXX XXXX will not help as they say we only reward you what Citi sends us.
Product: Credit reporting, credit repair services, or other personal consumer reports

On my credit report there is a hard inquiry from an organization called XXXX. The date of this hard inquiry is XX/XX/2021. I did not apply for credit from this organization on XX/XX/2021. 
I am a victim of identity theft and I want this hard inquiry removed from my credit report immediately. I am enclosing a copy of the identity report that I filed.
Product: Debt collection

XXXX XXXX XXXX employee XXXX XXXX has repeatedly called my employer multiple times and multiple days. Originally only referencing a private matter until today. XX/XX/18 she contacted my employer at numerous locations and stated she was a debt collector attempting to collect a debt. this is a violation of my employers policies and my right to privacy.