23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws. 
Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher.
Product: Debt collection

CHASE CARD - {$1500.00} DATE REPORTED XX/XX/2017 Chase reported that I owed them but I didn't recieve any emails, phone calls or information in the mail stating that I did so I was no able to pay them, now my credit has taken a hit. When I tried to contact them I was never able to get to anyone
Product: Mortgage

I accidentally paid my mortgage twice i n one mon th ( due to their system not showing to have received my bank 's " bill pay '' check on time ). They processed both payments at the same time a couple of days after the second payment was made. I called to ask for a refund on the second payment, as it was made in error. They informed me that I would need to submit a written letter, along with a bank statement, faxed or mailed, and that a refund would be issu  ed in 20-30 business days. They would not even handle the request over email or over the phone, the bank statement and letter had to be faxed or mailed.
Upon asking them to apply the mistaken payment towards next months payment, they said that they were unable to do so, that I would need to call back after next month 's payment was due - they gave some excuse along the lines of having to hold the money in an 'un-allocated funds ' bin, and that I would need to call them in 3-4 weeks to re-allocate the money. I was told that even applying it to principal would not count t  owards the following month 's normal payment schedule.     In an era where money can be transferred electronically in a matter of seconds, I do n't feel that it 's fair to hold my m oney hostage for a minimum of 20 days, and require a written, mailed or faxed letter to initiate the refund request. The whole exper ience is unnecessarily complicated. I feel that all of these requirements and barriers are engineered to confuse and perhaps trick consumers into paying additional fees - late payments, online/phone payment fees and/or allow them to hold the funds for internal short-term investments.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX  Account # XXXX, XXXX  XXXX account # XXXX, XXXX  Account # XXXX XXXX XXXX XXXX XXXX account # XXXX, XXXX XXXX account # XXXX and 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
Product: Debt collection

Some guy from XXXX Solutions ( telephone # XXXX ) contacted me about a debt I attempted to pay several years ago for which i have received NO written communication for years. Said I had to make telephone arrangements to pay the debt -- but when I requested a letter -- he refused and then threatened to report me for refusal to pay -- to put it on credit report. I said I was not refusing to pay, but wanted a written communication first. He became non-negotiable and then ended the phone call -- hanging up on me. This was for an old Citibank card I have made several attempts to track down, yet have not received any communication from them. This guy was nasty and abusive.
Product: Credit reporting, credit repair services, or other personal consumer reports

The co-owner of an auto loan with XXXX XXXX XXXX XXXX XXXX filed Chapter XXXX bankruptcy which was granted XX/XX/XXXX. I, the party that did NOT file bankruptcy, continued making payments for several years with no default whatsoever before, during, or after the bankruptcy of the other party. No negative information transpired to my credit report throughout the life of the loan until I paid off the vehicle. I made my regular payment in XX/XX/XXXX, and on XX/XX/XXXX called and paid off the remaining balance. I then get a notification that my FICO score dropped from XXXX to XXXX which is how I found out that XXXX incorrectly charged the account off and report as XXXX being a serious delinquent payment. I have tried numerous times calling and they have advised that the account is protected under bankruptcy law and this is the way it is. They have dragged me down as if I was the one that filed bankruptcy and as if they never received payment for any of the months. They never sent me any statements or mail regarding the account. I could not see my transaction history online and had to call and request it. With that being said, they sent me one transaction history which was then revised after the dispute and I was sent a second "CORRECTED" transaction history of the loan.
Product: Credit reporting or other personal consumer reports

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, no later than 4 business days after the date of receipt. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLAINT TO PREVENT FURTHER STALL TACTICS FROM XXXX Equifax
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, XXXX XXXX  # XXXX # XXXX - XXXX XXXX XXXX, XXXX XXXX, XXXX, VA 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. States a consumer reporting agency can not furnish an account without my written instructions.
Product: Mortgage

On XX/XX/year> I sent in all documents required for a loan assumption from divorce. It is a VA loan and I am a veteran. Freedom has verified that they have all of the information and I have let them know about the urgency of this situation. I have called Freedom XXXX times, each time with call lengths of over XXXX XXXX. I have asked for managers to call me back. They will no longer transfer my calls out of the call center. They say I need to wait. I have had two court dates come and go with no resolution bc they wont provide me with information or documents. I have asked for managers to call me back. I have sent emails to the company. Nobody will speak to me.
Product: Checking or savings account

The following phone number sent me a link stating that my bank- JP Morgan Chase, had frozen my account and to follow a link to unfreeze. Following the link it opens to an offical looking chase login site. They requested information such as SSN, driver 's license #, account info, etc. The phone number that sent the link was XXXX ( XXXX ) XXXX and the link XXXX XXXX XXXXXXXX. Once we called Chase to ask it this was from them they told us they would never text us or send any links.
Product: Vehicle loan or lease

I, the consumer and natural person, was denied credit by CARMAX AUTO FINANCE when I applied for an Auto loan through 10Carmax XXXX  # XXXX, Reference number XXXX. Adverse action against a consumer is AGAINST THE LAW according to the Equal Credit Opportunity Act which is codified in 15 U.S.C 1691c and is pursuant to civil liability under 15 U.S.C 1692k. You are subject to criminally liability for violating 15 U.S.C 1691 as I have proof that i was discriminated against by CARMAX AUTO FINANCE due to the response I received. CARMAX are in violation of 15 U.S. Code 1642, U.S.C 1681m and 12 cfr 1002 because I, the consumer, made an application in good faith, but credit was not issued. Furthermore, because my social security number ( credit card ) was used and i received NO benefit. This is proof of fraudulent activity ( unauthorized use of credit card ) on behalf of CARMAX. I know my application will be pooled and securitized by CARMAX as per their prospectus and indenture agreements. CARMAX business services will sell my application/note to CARMAX auto finance. The application was not a gift to CARMAX auto finance. I expect equal consideration in this exchange. Failure to comply will evidence unfair business practices by CARMAX. Furthermore I was partially approved for an auto loan of {$70000.00}. XXXX and Carmax demanded that I make a downpayment of {$20000.00} dollars!!! Which is completely unethical, discriminatory unlawful, as Carmax and XXXX consumer XXXX do not commonly ask for such down payments from other consumers ( 15U.S. Code & 1662 ( 1 ) ( 2 ). If XXXX XXXX XXXX fails to make any reasonable procedures to resolve this matter and compensate me for the use of my credit card I will indeed make CARMAX criminally and civilly liable for all actual damages pursuant to 15 USC 1681n and 15 USC 1681o. I will also follow up with an invoice for said violations ( { {$10000.00} } per violation ). 

Thank you, XXXX : XXXX XXXX XXXX Without Prejudice, All Natural Inalienable Rights Reserved
Product: Debt collection

My wife had called the company listed on a letter stating I had owed XXXX XXXX for a credit card that had gone into collections. Letter was from a company called True Accord on behalf of XXXX XXXX, who was representing XXXX XXXX XXXX. 
My wife had called True Accord beginning of XX/XX/year> ( I believe it was XX/XX/XXXX ). She had spoken with a representative, followed by a manager, to take care of the debt. 
By the end of the call that day, my wife settled this account for {$330.00}. She was told that as long as the payment went through on our end and was not canceled for any reason, the account would be satisfactory and the credit bureaus would be notified that the credit card debt was no longer owed. 
My wife has been monitoring our credit and she noticed this account on my credit report and was still being representated as owed. I did dispute this account with the bureau, but it came back as verified.
Product: Debt collection

I had filed a dispute with XXXX due to a large number of inquiries that took place in a very short amount of time a few months ago. They removed those inquiries and we put a freeze on my credit profile. Now, a few months later, I am having debt collection companies place deregatory collections on my credit profile. There are 4 in total. Two from Columbia Debt Recovery for a total of {$190.00} from XXXX XXXX ( {$100.00} ) and XXXX XXXX XXXX ( {$91.00} ) and two from XXXX XXXX XXXX for XXXX XXXX XXXX XXXX XXXX  ( {$320.00} ) and XXXX XXXX XXXX XXXX XXXX ( {$2900.00} ). These are all fraudulent. I own my home and have been in the same place for years. I filed a dispute with XXXX stating that these are fraudulent and they asked me to submit a polic report or to file a report with the FTC. When I tried to file the report with the FTC, it directed me to the CFPB and I am filing the report here as instructed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of Identity theft/fraud. 
I have notified NAVY FEDERAL several times that the account does not belong to me, I have not in any way received goods or services from this company and I have provided my police reports, my FTC id theft AFFIDAVIT signed and notarized along with my sworn statement regarding the fraudulent account. 
documents submitted to NAVY FEDERAL XX/XX/XXXX, includes affidavit, police report, sworn statement w/ signed signature receipt XX/XX/XXXX, includes affidavit, police report, sworn statement w/ signed signature receipt XX/XX/XXXX, includes affidavit, police report, sworn statement w/ signed signature receipt NAVY FEDERAL is in violation of the FCRA and continues to report this fraudulent account on my credit report although I have provided these documents with no response from the company or any representatives. 

This account must be removed immediately, as it is in clear violation of the FCRA.
Product: Credit card

I haves applied for a credit card with American Express around XX/XX/XXXXXXXX  and was denied. I then received an adverse action letter in the mail dated XX/XX/XXXXXXXX   with them showing lack of sympathy for denying me my credit. My application/promissory note and or security gave consideration and secured payment, which now was stolen by American Express . My application/ promissory not was turned into a debt security according to their prospectus, which is then sold on the primary and secondary markets. I received no benefit for providing my security to American Express and no remedy to solve this matter. This is SECURITIES FRAUD which also violates their agreement with the SEC for Securities Exchange Act of 1934.

240.10b-5 Employment of manipulative and deceptive devices. 

It shall be unlawful for any person, directly or indirectly, by the use of any means or instrumentality of interstate commerce, or of the mails or of any facility of any national securities exchange, ( a ) To employ any device, scheme, or artifice to defraud, ( b ) To make any untrue statement of a material fact or to omit to state a material fact necessary in order to make the statements made, in the light of the circumstances under which they were made, not misleading, or ( c ) To engage in any act, practice, or course of business which operates or would operate as a fraud or deceit upon any person, in connection with the purchase or sale of any security.
Product: Credit reporting, credit repair services, or other personal consumer reports

" " '' I have disputed this collection on this XXXX XXXX XXXX XXXX for months.XXXX and XXXX  have reversed them but Experian is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously.

I am a victim of identity theft.CFPB please step up and fix this ASAP, pursuant to section 605B of the Fair Credit Reporting Act. '' '' ''
Product: Debt collection

To : Federal trade commission, I am XXXX XXXX XXXX [ Copy right secured party creditor. 
For the past 5 months I've been getting letters In my email and my mailbox too, from synchrony bank XXXX XXXX card, Synchrony bank has open Many account in my name what would the reason for all that? 
1st of all my a Account was hacked someone use a account so they closed. And after that they issue more credit card but-XXXX balance no money to be use it was just my plastic squirt thing with number. 
When the bank use your name To open New account They The take the signature directed to this XXXX XXXX XXXX  And then there Percent my signature to, To be able to get the money for them not for me I know that. 

So every time they ask for money they benefit Not me. What I need the federal trade commission to do for me is to investigate. 
The account been close end [ XXXX ] they are been harass, me with Email Paper mail in my mailbox They harassing me with certificate mail, I I have finished talking to them and and I have done with them no more talking to synchrony Bank. this is a violation of my private security Agreement filing a New York UCC 1. Trademark copyright. 

They don't suppose to email me their own supposed to send mayor into my mailbox that was clear to them. They continue harassing me to pay the amount They I didn't create their one {$2300.00} when my XXXX was only {$1900.00}. The creating credit late fee height Interest charge. Even they know they don't suppose to do any their stuff because I not responsible for the account they know that you can not speak to them they not listening this need to stop. 

I'm going to file a commercial lean again synchrony Bank. I have enough evidence to do that.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my credit report from Equifax and noticed there were/are items still listed on my report that's over 10 years. I called and asked Equifax to remove those items and instead of them treating this as an inquiry, they treated it as a " Dispute '', which to them means that an investigation took place, they verified the information in the report was/is accurate and instead of them removing the item, they said that because I " Disputed '' the item, it will last on my report for another ten years. I was flabbergasted in that the items were never disputed, only brought to the attention of the credit agency as needing to be removed because they were listed on my report for longer than ten years. Equifax is misinterpreting the meaning of an inquiry and is noting the inquiry as a dispute, which according to federal law ( as stated to me ), that all " Disputes '' must remain on the file for 10 years from the date of reported. The " Items as of Date Reported '' is also being misused to mean that the creditor reported something new instead of Equifax verifying the information reported by the consumer.
Product: Checking or savings account

Dear Sir/Madam- I have an online Capital One 360 Account, since year XXXX. This account had an overdraft feature of {$1000.00}. The feature used sparingly by me. However, it provided me a degree of comfort Banking with Capital One in case of an emergency. I also have a Capital One Credit Card and I keep the auto payment option active, so that my payments are automatically processed every month. 

On XXXX or XXXX of every month my auto payment processed the credit card payments. In the month of XXXX a payment of {$2400.00} was declined by Capital one on account a {$14.00} shortage in my checking account. I called the Capital One 360 Bank and asked them as to why my payment was declined and I was informed that the overdraft feature was discontinued in XXXX XXXX. From my statements I can see the overdraft feature was used by me in XXXX of XXXX as well. Moreover, discontinuation of the overdraft feature was not communicated to me by the Capital one 360 compliance team. However I made the payment of {$2400.00} on XX/XX/XXXX promptly upon receiving a text message about my payment not being processed. They made some major changes to the software online and did not communicate the changes to the customer. The Capital One Credit card team has charged me late payment fee of XXXX on XX/XX/XXXX. Looks the compliance team at Capital One did not provide adequate explanation nor communication to the customer. Also Capital One Bank is facilitating the Credit Card division to make predatory charges though they remain two different entities. I would require a third party to arbitrate and ensure that US consumers are not taken for granted. We form 60 % of the US economy and we deserve the due process to be followed through trust in Banking. 

Note : On the day of the transaction my Savings Bank account had an excess amount, which could have ultimately processed the transaction in a timely manner. Capital One ignored this aspect too. 

regards XXXX XXXX
Product: Credit reporting or other personal consumer reports

Accounts are 6 years old or longer and some reports have inaccurate information, such as spelling of name and times loan was opened
Product: Credit reporting or other personal consumer reports

UPON MY PULLING MY THREE CREDIT REPORTS, NAMELY XXXX, EXPERIAN AND XXXX I NOTICE SOME FRADULENT ACCOUBTS ON MY CREDIT REPORTS.
Product: Credit reporting or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these account and inquiries deleted or updated. These are the items I demanding to be deleted immediately : Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXX Listed below are the Inquiries that are being challenged 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: Mortgage

Mynhome was approved for a short sale in XX/XX/XXXX When it came time to close and finalize the process, I couldn't close because I hadn't found a job nor a place to live yet. The buyers on the deal backed out as they didn't want to wait anymore. Immediately following word that the short sale fell through XXXX XXXX XXXX began foreclosure proceedings on my home. In the meantime they also mailed me a letter offering me a deed in lieu of foreclosure process that was valid for a period of 60 days. The date on that offer was late XX/XX/ but I didn't receive until early XXXX. 60 days to decide if I want to do a deed in lieu would run me to lateXX/XX/XXXX However I subsequently received an foreclosure sale date notice dated For right in the middle of those 60 days they offered me. That is not fair to do to someone. My home is currently under agreement again with new buyers and my Attorney has submitted all the paperwork for the short sale to be approved to XXXX XXXX XXXX. We have not received a response yet. We have asked that the sale date be postponed in lieu of the pending sale. My Attorney nor I have received word on if the sale date is going to be postponed or not. Please intervene and do something to help. I have since found full time employment and can close on this deal. Thank you.
Product: Credit reporting or other personal consumer reports

My account with ( XXXX XXXXXXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and 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 reported in XXXX, XXXX, XXXX, XXXX, XXXX, AND XXXX to be removed. 

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 XXXXXXXX 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! 

Delete the late payments from my consumer reports