23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I made a payment on my account that was to be posted on XX/XX/XXXX bc it was paid after XXXXXXXX XXXX XXXX I noticed the month before XX/XX/XXXX I was charged a late fee of XXXX and I was also charged an additional late fee for the month of XXXX. Today XX/XX/XXXX I called Capital One and spoke with 3 representatives. The second person gave the name XXXX and the last XXXX XXXX XXXX XXXX XXXX XXXX. I spent XXXX XXXX XXXX XXXX explaining that I make my payment online and the card in question due date shows XXXX of each month on the main screen which is where you continue by hitting the XXXX XXXX XXXX and make payment. I did not understand why I was receiving a late fee when payment was paid and posted prior to due date. I was then advised that the correct was the XXXX of the month. I advised them per their payment site it is the XXXX. I also ask that they refer to my last couple of payments being made prior to this date. I asked if they would like me to send proof of due date I was shown and went over screen with each rep several times. I was advised they could not refund me the {$80.00} charges and that there was no one there that could help me. I was further advised that I could do a general complaint but they have no abilities to waive fees either. I expressed my concern with knowing what the correct due date is and that I should be able to trust info provided on the website. XXXX advised they didn't have any other complaints of this nature and that there is nothing he or his supervisor could do. I would just need to remember that it is due on the XXXX even if website reflects different refer to the statements. I advised that did not address my issue bc website should reflect proper due date and I should not be punished if it did not. Also advised I have proof that due date showing was on the XXXX. I simply wanted both past due fees removed. I was simply told the due date doesn't change unless I change or annual change which neither had occurred. I was told that he had to disconnect the call and if I wanted to speak to a supervisor I would have to call back and request to speak to a supervisor but it will not help bc they are unable to waive the {$80.00} in fees. The only offer was to waive XXXX in fees, however this would have been a courtesy waiver as if I asked XXXX I didn't pay my bill on time and this is simply not the case and I don't that reflected on my account. Per XXXX the call was recorded and hopefully it can be retained bc I was not belligerent and or rude only expressed my dissatisfaction with the process and questioned how I can move forward with future payments without knowing if the due date is correct. They would not accept info that I had to prove due date was conflicting. All and all I was told to accept what they said and there was no further discussion and or help to be provided. XXXX then hung up the phone.
Product: Debt collection

Debt was a result of an identity theft and also a leak from several companies the original debtor wrote off the amount /charged off and still sold the debt to a collection agency XX/XX/2019 i was informed and contacted the company several times and they never ceased or desisted the collection process and never went after the culprit neither about blue collar crime they reciprocate collecting the debt and also havent sent verification of original debt nor have been able to verify receipt of police report I mailed over about fraudulent activities
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

XXXX XXXX XXXX Account XXXX XXXXXXXX XXXX. XXXX Account XXXX XXXX XXXX. XXXX DEPT OF ED Account # XXXX XXXX. XXXX XXXX XXXX Account # XXXX XXXX. DEPT OF ED Account # XXXX
Product: Checking or savings account

On XX/XX/year> I realized my debit card was missing and that there was fraud charges on my account. I contacted my bank and filed disputes for those charges. One of the questions I was asked was if I still had possession of my card which I said I did not. I even said that my card was lost or stolen on the form they required me to fill out sign and submit back to them. On XXXX XXXX I received an email from my bank stating my dispute was denied because I stated I still had my card and my card was needed to make those transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a notification from XXXX XXXX  XXXX they removed that inquiry from my credit report bet TransUnion refuse to remove along with XXXX founding seem refusing to update my credit score violation consumer reporting act
Product: Mortgage

XX/XX/XXXX paid {$1700.00} ( XXXX # XXXX from account on XX/XX/XXXX ) at Fifth Third Bank branch in XXXX XXXX  to pay off mortgage. 
Fifth Third sent letter dated XX/XX/XXXX confirming mortgage # XXXX, paid. Letter stated it would take up to 90 days before Lein release is recorded. XX/XX/XXXX, called XXXX XXXX XXXX of Deeds inquiring about lien release. They had no info. 

XX/XX/XXXX @ approx XXXX pm, spoke with a XXXX XXXX XXXX XXXX at Fifth Third branch located in XXXX, XXXX. XXXX XXXX pulled up the account and informed me that the process had not even started. This is now six ( 6 ) months since pay-off. XXXX XXXX sent an Email to the mortgage department for an inquiry. 

It is now approaching two ( 2 ) months and still no release. Included in the pay-off amount was a fee of {$30.00} for recording the Lein Release . 

This is the same bank that on XX/XX/XXXX Website was malfunctioning. Attempted to pay credit card ( XXXX ) website would not issue a confirmation #. Attempted two more time with no confirmation # issued. Called and a Fifth Third representative processed my payment. Checked bank account on XX/XX/XXXX, bank account had four ( 4 ) payments debited ( extra {$360.00} ). Minimum payment was {$35.00}, I paid {$120.00} on the account. At XXXX XX/XX/XXXX, spoke with a representative XXXX who assured me that Fifth Third would rectify and reimburse any fees. XX/XX/XXXX {$240.00} reimbursed to bank account. Went to the XXXX XXXX XX/XX/XXXX to inquiry where the other {$120.00} was. Fifth Third cut a check on XX/XX/XXXX. ( XXXX XXXX Bank should have shut down web-site. ( XXXX ) With no confirmation # payments should not have been debited.
Product: Credit reporting or other personal consumer reports

Ive reached out to the company and transunion several times about this XXXX XXXX account they keep reporting it to my credit report the OTHER TWO CREDIT BUREAUS HAS SOLVED THIS PROBLEM EXCEPT FOR TRANSUNION Im in the middle of buying a home and its negatively effecting me. Ive sent several letters, several police reports and made several calls proving that the account was made fraudulently.
Product: Credit reporting or other personal consumer reports

I am thankful of your time to REMOVE some of the erroneous items in my file that resulted from a mistaken credit reporting but I still have ITEMS left that needed to be removed. This is my new attempt to dispute the inquiries in my credit file which resulted from a false credit reporting. Again, Im sending over an Identity Theft Report # XXXX. Pursuant of FCRA section 605B ( a ) ( 1 ) ( 2 ) you are required to remove any information in my file that resulted from an alleged identity theft, not later than 4 business days after the date of receipt with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report : 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 XXXXXX/XX/XXXX. Please note that you have 4 business days to REMOVE the reporting of any items in my credit file that resulted from a false credit reporting. I do not consent to XXXX or any means of automated verification.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint because CAPITAL ONE AUTO FINANCE has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts that I disputed. Being that they have gone past the 30 day mark and can not verify these accouts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ..promptly delete all information which can not be verified. '' that I have disputed on numerous occasions, Please resolve this matter as soon as possible. Thank you!
Product: Credit card

I received a wells Fargo credit card that I never applied for. Credit line XXXX dollars. I am in the process of trying to pay off all my debt I sure did n't ask, or need this.
Product: Debt collection

XXXX / XXXX / XXXX  {$3200.00}  XXXX / XXXX / XXXX  {$25.00}  XXXX / XXXX / XXXX  {$440.00}  XXXX / XXXX / XXXX  {$4000.00}  XXXX / XXXX / XXXX  {$370.00}  XXXX / XXXX / XXXX  {$15.00}  XXXX   XXXX / XXXX / XXXX  {$22.00}  XXXX / XXXX / XXXX  {$510.00}  XXXX / XXXX / XXXX  {$43.00}  XXXX / XXXX / XXXX  {$47.00}  XXXX / XXXX / XXXX  {$53.00}  XXXX / XXXX / XXXX  {$1200.00}  XXXX / XXXX / XXXX  {$2000.00} THE COMPANY AMERICOLLECT ADD THIS ACCOUNT TO MY CREDIT FILE THIS IS NOT ME, I being talking to the company and not much is resolve
Product: Checking or savings account

I can't gain access to my chime accounts. I've attempted to gain access with pictures sent, requests for them to review, requests to update information to gain access to app to withdraw and close out my accounts. At least 30 times. I do not have access to my old phone and emails. I've explained repeatedly of restraining order I've had issued to stalker and therefore had to change my info frequently so I attempted to use an email and phone number I had verified with them and still I can't gain access. I can't even gain access to get my amount numbers to withdraw everything. I've attempted to get them to put a hold on the accounts because the cards are stolen but they will not accept the updated info. Without the acceptance of the info I can't gain access to online chime app and without that you can't do ANYTHING with them. I'm on social security/XXXX. I explained they are withholding government funds and payments and all my income. I can't change my auto deposit b because I don't have my account info I don't have my account info because I can't get into the app and I can't get into the app because they won't accept my updated info I've submitted over 30 times. My income is XXXX  monthly they have the last 3 months. My savings is almost gone. I'm trying to move but I'm afraid that attempting to change anything else will cause further delays. So I can't close or hold my funds, I can't report stolen cards because I can't update anything and I can't hold it stop any spending. They WILL NOT help me
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX AND XXXX CREDIT BUREAUS ARE REPORTING 32 FRAUDULENT INQUIRIES BEGINNING XX/XX/XXXX THROUGHOUT XX/XX/XXXX. 
I AM A VICTIM OF IDENTITY THEFT AND APPROVAL FOR THIS CREDITS WERE DENIED.
Product: Mortgage

As of XXXX 2015, my working hours with the XXXX XXXX XXXX XXXX has been reduced to the minimum amount. I contacted the First Bank Mortgage and they gave me some alternatives regarding the Loss Mitigation department. I completed the application and submitted the required documents asked for by the institution. Since then, it has been a nightmare. My case has been assigned to several employees ( about XXXX ). They required additional documents, which have been sent to them in a timely manner. Every time that I called them to find out more information about the case they switch me to a line that no XXXX answers. It has been more than two months that I have been working with them and until now I have not received an answer from the department. The only phone call that I received told me that I need to pay a month 's rent because if the house goes for more than 3 months without pay the case will be sent to another department and some lawyer fees may apply. They then told me that the case would be more difficult to work on. Since this process started and no decision has been made, my anxiety continues to rise and I do not want to continue with the situation. I will like to know what is the next step. If I was not approved, I will like to know. I have no other choice than to file a complaint with your institution. Thank you in advance for your cooperation in this matter.
Product: Debt collection

This is a fraudulent account with identity theft. I had my identity stolen on the dark web, with the XXXX and XXXX Data breach, and lost my ID and social security card at the airport. I filed a Police Report and Affidavit for Identity Theft Over 10 accounts were opened in my name. Someone used my Bank Accounts and Stole my identity numerous times over the last several years.

This needs to be deleted immediately it is NOT Mine. Delete and Update my Credit Report to Accurate and Fair Reporting today. Police Report is attached. 
Thank you, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have called and faxed XXXX, equifax, and XXXX about removing my addresses, the only address that I needed to remain was my address on XXXX XXXX XXXX XXXX, XXXX IL, XXXX. 
Please remove any other address beside the one shown above.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm a business owner. We often borrow money and we are always asked to sign personal guarantees. The loans never report to the credit reporting agencies since they're commercial loans. We currently have one reporting with Experian for a commercial loan or in this case a merchant cash advance with XXXX XXXX. Experian has refused to remove it from reporting as a loan on my personal credit report. I sent them the loan agreements for the loan, the incorporation and dissolution filings with the secretary of state. Those documents showed the loan was made out to a corporation that was also dissolved. Experian denied my request after requesting the documents be sent to them for review. They actually stated to me that XXXX XXXX  was their customer and they had an agreement with them.
Product: Credit reporting or other personal consumer reports

The information on my credit report is inaccurate. These accounts were created by someone else without my knowledge. The following accounts should be erased from my credit report. 
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 XXXXXXXX
Product: Debt collection

I am writing to dispute an item on my credit report. According to the Fair Credit Reporting Act ( 15 USC 1681 et seq. ), I have the right to dispute any inaccurate or incomplete information on my credit report. There are accounts on my report that I have already paid off and have been trying to remove. The XXXX  XXXX  is. XXXX XXXX XXXX, the XXXX  XXXX  is XXXX XXXX, the XXXX  is XXXX XXXX XXXX XXXX. Please remove these items immediately from my credit report. Thank you
Product: Mortgage

My mortgage was transferred to Mr. Cooper in XX/XX/2019, I have received notification that my mortgage payment is going to increase by {$300.00}. 
My mortgage was transferred to Mr. Cooper in XX/XX/2019, I have received notification that my mortgage payment is going to increase by {$300.00}. This equated to {$3600.00}. Mr. Cooper 's explanation is that they " require '' a 2 month cushion in escrow accounts. When I asked " why '' they are doing it, the rep stated that we are " Mr. Cooper '' and we are allowed to do this. I have been making extra payments on my loan in order to bring my principal balance down, hence paying my loan off faster, I believe Mr. Cooper realized this and decided to up my escrow payment in order to make money for themselves. If I perform my own escrow analysis, I find that I am short by {$160.00}, not over {$3000.00}. This is deceptive practices and unfair to consumers. I have owned a home for over 24 years and not one mortgage company has ever done this to me. I did not ask for my mortgage to be transferred.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is so annoying & frustrating. Ive sent EXPERIAN multiple letters that XXXX the XXXX whos disputing the item that is UNKNOWN to me. In Experians responses that make the claim that have not initiated any disputes on my behalf due to the fraudulent or high risk nature, and the documents I provided have either been confirmed as fraudulent or deemed as high risk due to the potential for fraud. This is a complete joke. How in the world did they verify these claims? First of all, I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, I never sent my documentation to anyone else as it deemed as high risk due to the potential for fraud. Also, according to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. 

( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than XXXX business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency.

Again, under FCRA 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 

I need your help! As a consumer, I need to correct my credit file for my credit worthiness, credit standing, or credit capacity to obtain my rights and XXXX XXXX XXXX that has been XXXX. List of item that is UNKNOWN to me : XXXX XXXX XXXX  XXXX Open Date XX/XX/2020 Balance : {$11000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your taking the time to REMOVE some of the erroneous accounts in my credit file ; however, there are still many accounts that need to be DELETED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts be DELETED immediately. 

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

I had an account with Barclays and it was set up for automatic payments every month, on several occasions they failed to deduct the monthly payment, and then charged me for late fees so I paid off the balance and then after I disputed the charges and erroneous credit report entries they closed my account for inactivity. They currently have a bad credit item on my credit report for the last 2.5 years and they refuse to remove it and that is why I discontinued using their services.
Product: Debt collection

I have no recollection of this collection.DIVERSIFIED ADJUSTMENT. Never signed a contract with this company. I have written them directly and received no response. Someone either from a data breach or theft of my purse has use my information to obtain all kinds of weird things. I 'm tired of trying to call when they just tell me I owe the debt and do n't care to help
Product: Credit card or prepaid card

receive threatening phones calls all hours of the day and night I didn't opened this line of credit with this company
Product: Checking or savings account

On XX/XX/2018 Chase bank charged me two overdraft fees of XXXX dollars each from two transactions that caused my account to be over however that same day as soon as I noticed I was charged I went to the bank to deposit the money to make sure it was not over drafted. Even though I did that I was still charged those fees totaling in {$68.00} worth of fees I have other bills to pay and this is very frustrating because I deposited the money the same day.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 

15- U.S.C 1681 section 602 A. States I have the rights 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.
Product: Credit reporting

My TransUnion ( TU ) credit report has the incorrect information as to my " Account Age '' which factors into my credit rating and is why my TU credit score is significantly less than XXXX. TU is reporting the Length of Credit History as only being 13 years and 0 months, Average Account Age of 5 years and 11 months and the Oldest Account being with the XXXX XX/XX/XXXX. The correct information which is being reported by the other XXXX above mentioned credit agencies should be as follows : Length of credit history - 21 years, 10 monthsAverage Account Age - 7 years and 11 monthsOldest Account - XXXX XXXX open XX/XX/XXXXEssentially TU deleted my oldest account ( XXXX ) which has now changed all of the calculations for my " account age ''.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion continues their lies, fraud and iLlegal activity by not investigating my complaints of fraud by XXXX XXXX and XXXX XXXX XXXX, two fraudulent illegal companies committing fraud and illegal activity by placing fraudulent illegal amounts on my credit report. transunion refuses to investigate and PROVE i owe this money which I do not!! I do not owe westlake or XXXX XXXX XXXX any money! Transunion continues to LIE and state we investigated the amount which they didnt. Transunion has NEVER proved how they investigate or provide me a copy of their INVESTIGATIVE report, WHICH IS VIOLATING FEDERAL LAW!! Transunion continues to LIE and violate section 609 of FCRA which specifically states any alleged debts must be proved in writing. Transunion HAS NOT!! they do not investigate this matter NOR provide to me WRITTEN proof of the investigation AS REQUIRED BY LAW!! REMOVE XXXX XXXX AND XXXX XXXX XXXX FROM MY CREDIT REPORT IMMEDIATELY!
Product: Vehicle loan or lease

USAUTO Sales sold my finance loan to Westlake Profolio without notice and when I pay my car payment my loan is not decreasing