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

Capitol One is now blatantly DEFYING the CARES Act ammendment to the Fair Credit Reporting Act by refusing to amend customers payment histories from previously past due to current for those effected by COVID 19. 

" If the account was delinquent prior to making the accommodation : continue to report the account as delinquent. However, if the consumer brings the account current during the period of the accommodation, report the account is current. '' This now falls squarely under the definition of willful noncompliance ( section 1681n ) or negligent noncompliance ( section 1681o ) with the FCRAs obligations. 

Capitol One is refusing to update my account history from " past due '' to " current '' for 6 mos of 2020 XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX as a result of COVID 19.
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my previous communications and attempts to have fraudulent items removed from my account. Despite making this attempts to resolve this matter, the fraudulent items remain unaddressed. My initial attempt to correct this issue was made on [ date of first attempt ], and since then, I have consistently provided all necessary documentation and information as requested. Here is a summary of my attempts : Despite these diligent efforts, the fraudulent items remain unresolved. This lack of resolution is causing significant distress and inconvenience, impacting my financial standing and peace of mind. I expect to receive a response within exact timeframe from the date of this letter. Should this matter remain unresolved, I will have no choice but to escalate my complaint to the appropriate regulatory bodies and consider legal action to protect my rights. Kindly help me remove the following items immediately : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX to 3 Credit Bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX Balance : {$500.00} ; XXXX XXXX Balance : {$9900.00} ; XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$370.00} ; XXXX XXXXXXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

i checked my credit report today and i found out that Equifax is attempting to report an invalid collections account on my credit report from XXXX XXXX XXXX XXXX account Number XXXX this account has been disputed and deleted in the past and has recently been deleted by XXXX XXXX my consumer credit profile. This account is associated with innacurate peronal information which has been disputed, invalidated and deleted by both XXXX  and XXXX. Reporting this debt is a gross violation of my rights under the FCRA guidelines. Delete all records of this account from my credit report. 
i have also attached evidence of the letter i received from XXXX XXXX XXXX showing a different account number for the same {$55.00} dollar debt. i demand this account be deleted immediately since it is costing me a lot of money. 
i have attached screenshot evidence of the the account that i demand to be deleted and i have highlighted the information as well. THIS ACCOUNT HAS BEEN PREVIOUSLY DISPUTED INVALIDATED AND DELETED. take note of attached letter from debt collector/furnisher of information with different account number for the same debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Mortgage

I contacted Dovenmeuhle as they are the mortgage servicer for XXXX to resolve a dispute over a mortgage payment. The company had me showing as past due even thought I have made additional payments and should be paid more than two months ahead. I was advised by the representative that I am not allowed to make additional payments and that even when I do, they are put into a suspense account and are not applied to my loan, thus decreasing my principal balance and, over the life of the loan, my interest costs. This does n't sound right to me. As long as I am meeting my contractual obligations to them I should be able to pay as much and as early I 'd like as there was not stated prepayment penalty in my loan note.
Product: Credit card or prepaid card

someone hacked my online account on XX/XX/XXXX with American Express Serve. I had my debit card from another account linked to the XXXX card, that person transferred {$100.00} to my XXXX card. XXXX ( my phone company ) withdrew that amount & more the same day. I filed a dispute with XXXX because XXXX was n't suppose to take that much off my card. I called a week from XX/XX/XXXX to find out what was going on with the dispute & a rep at XXXX told me that the dispute was closed & there was nothing they could do because XXXX had took the money off the card. So I paid off my debit card & moved on. On XX/XX/XXXX XXXX so called " transferred '' the {$100.00} back to my debit card. I was not aware that a investigation was still being done. As of XX/XX/XXXX I have n't received the money on either card & have been given the run around about what they are doing next. I asked to dispute it & I asked for the money back many of times. XXXX states that another department is reviewing it & all of my transactions on my account. I was told on XX/XX/XXXX, it took 7 to 10 days to review my account. I asked for emails to be sent to that department & still have n't heard anything regarding this situation
Product: Credit reporting, credit repair services, or other personal consumer reports

Sent a certified letter to XXXX on XX/XX/XXXX Disputed several inaccurate inquiries. 
XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX *XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX *XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX *XXXX XXXX XXXXXXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX They mailed me back on XX/XX/XXXX, which with mailing times to and from gave them possibly 4 business days to actually investigate my complaint. I assume 2 days mailing time to and 2 days for them to mail it back. This is insufficient time for this company to actually properly investigate my complaint. By law The FCRA states that the only permissible purpose for pulling someones credit is for : A. Firm Offer of Credit B. Insurance C. Employment D. Court Order. 

I informed Equifax that I DID NOT give permission for these inquiries under any of the above affirmations. But the company decided to ignore my concern and tell me that I was my obligation to contact each company to get it removed. In order for information to be reported it is the duty of the credit agency to substantiate any disputes. They are unable to do so. I the consumer am stating that these inquiries was not factual or permissible from myself. They need to be removed immediately as requested.
Product: Credit card

I had several charges which I did not authorize so I contacted the credit card company for help. They disputed the charges and issued a new card and a provisional credit was issued for the fraudulent charges. Some time goes by and I receive a letter that the investigation had been completed and they were going to charge by account for all of the provisional credit that had been issued. I called the card company to find out why, they stated they had completed the investigation and they " knew '' the charges belonged to me. I asked for them to provide the proof they could without any doubt confirm they were my charges. I was told they would go back to that department and ask for this. It was never received. I phoned back and was told they would reopen the investigation and to allow XXXX days for the outcome. XX/XX/XXXX I called as the 30 days were up and I was advised still no outcome. This has gone on weekly since then. So not not only am I paying fraudulent charges I am paying the credit card company a fee for being over my limit. Here are the charges : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Grand total XXXX plus whatever interest I charged is what I am paying for having the misfortune of someone stealing my credit card.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted all three bureaus XXXX, XXXX, and Equifax about XXXX XXXX still reporting on Charge off account that they have sold to XXXX XXXX XXXX, but each month they are reporting I'm late.
Product: Credit reporting or other personal consumer reports

My account with the XXXX and i was never late! I have had exceptional payment history witH XXXX  XXXX 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 MONTHS REPORTING LATE 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.

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

THIS IS I REGARDS TO PREVIOUS COMPLAINT # XXXX CFPB CLOSED THE COMPLAINT BUT WHY? IT IS NOT COMPLETE. STILL HAVE YET TO HEAR FROM TRANSUNION ABOUT THOSE 3 STUDENT LOAN ACCOUNTS. XXXX AND XXXX REMOVED ALL 3 ACCOUNTS YET THEIR STATUS ON HERE IS STILL SAYING " OPEN '' AND THEY BOTH SENT ME AN UPDATED COPY OF MY REPORT SHOWING THEY WERE ALL REMOVED BUT TRANSUNION HAVE YET TO SEND ME ANYTHING. THEY NEED TO GET THIS DONE I HAVE DISPUTED THIS 3 TIMES SINCE XX/XX/XXXX. XX/XX/XXXX WAS THE 2ND DISPUTE. NOW TRANSUNION IS SAYING XXXX XXXX HAS UNTIL XX/XX/XXXX LIKE CMON THIS HAS TAKEN WELL OVER 60 DAYS. THE ALLOTTED TIME. THIS COMPLAINT SHOULD STILL BE OPEN OR THE ACCOUNTS NEED REMOVED. I SENT THIS COMPLAINT IN XX/XX/XXXX THEY TRIED TO SAY THEY DIDNT UNDERSTAND IT. SO I DID IT AGAIN XX/XX/XXXX ON CFPB RECORD XXXX. YET YOU HAVE IT CLOSED BUT WHY??????
Product: Debt or credit management

I enrolled into this program with understanding that after making six months of deposits that I would obtain a loan from XXXX XXXX  in order to settle all of my debts. I would not have signed up for this program unless I could obtain this loan. I called several times during the six months to ensure I was on track. The company is now saying that I may have to 8 or 9 months. This was not the expectation and they are not giving me any other reason. My credit score has signficiantly dropped and the Company is not telling me why I don't qualify. I've heard reasons such as credit scores which makes no sense since they told me my credit would initially drop. They never answer my request for a call-back and I have to call. I'm starting to think XXXX XXXX  doesn't exist and they lied to me in order to get my business.
Product: Credit card or prepaid card

XX/XX/2020 and XX/XX/2020. Covid 19 hit and could pay that months at the time was out of work. But did pay a month later. Now the credit bureau wont remove it because of natural disaster Covid 19 And in XX/XX/XXXX My sister died and left a XXXX son I had to leave for 2 months had no info on me when I got back I called them and explain to them what happen They said sorry we can help you I was always on time with my payments With Covid the late charges should be waived with this pandemic
Product: Payday loan

This company is reporting an account that I have no knowledge of ; Not only that- Its passed SOL in the state of TX . This company is damaging my credit and I 've never received any kind of notice prior to this acct reporting to the credit bureaus.
Product: Checking or savings account

On XX/XX/year> We contacted Chase bank and filed a claim for two checks written to my father from an unknown person that were attempted to be deposited into his account. They were fake checks. The bank saw they were fake checks and for some reason gave someone who was claiming to be XXXX XXXX ( my father ) the money back. This was done somewhere in California. My father has XXXX  and can not travel, we live in oregon. 
After filing the claim, waited a couple of weeks and the money still not returned. On XX/XX/XXXX another phone call to the bank, we were told the money would be in the account on XX/XX/XXXX. Today again called the bank. Today they told us we have to contact the maker of the check. It is a fake check. 
This is the third time they have given away our money. Last time was in XXXX which we still have an outstanding amount of {$1900.00}. That time there were many checks, same instance and always for around the same amount of money. 
Because there were two checks written, both for {$1900.00} they did refund one of them, stating they already refunded that amount. 
We have changed bank accounts several times, added extra security and still, they give it away. in case it is needed, I have a claim number My father is the primary account holder and he is XXXX XXXX XXXX and a veteran.
Product: Checking or savings account

The checking and saving accounts are opened on XX/XX/XXXX with {$500.00} promotion.The bonus posted on XX/XX/XXXX and XX/XX/XXXX. However, the is the withhold for {$60.00} for twice accordingly. On XX/XX/XXXX, I email the banker XXXX, XXXX regarding the potential XXXX form missing that might lead to the withholding. On XX/XX/XXXX, I email the signed XXXX form to him.After that, i called several time to follow up. On XX/XX/XXXX, i was told there should be someone in back-office resolving the issue and I sent the XXXX XXXX form again.Till today XXXX, the two {$60.00} withholding, {$120.00} in total still not come back to the account yet.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have a card with XXXX XXXX XXXX XXXX. 
cash rewards. i paid off trhe balance and its not showing on my credit report {$1100.00} should show a XXXX balance
Product: Money transfer, virtual currency, or money service

I bought XXXX of BTC on Venmo , and have had problems with sending small amounts ever since I made the initial purchase.

Fast forward to today, I have a balance of roughly 11k in BTC and the Venmo app is not letting me send to a different wallet or cash it out ; its literally stuck in Venmo, they are holding my entire crypto balance hostage, I cant even send small amounts. This has been happening for almost 2 weeks, I havent been able to touch my money. Ive tried everything from the waiting game to reinstalling the app many times, my phone etc.. 

Ive spoke with Venmo assistance on phone and lengthy mail conversations, their best advice is to reinstall the app, Ive done this multiple times. Still nothing. Ive explained my troubles and have spent hours of my time going back in forth with their support team, theyve told me this last : the true ( and likely frustrating ) answeris that we are not able to resolve this for you. You may try to make the transaction again at a later time, but I can not guarantee it will work. You may also try a different payment method, which will be subject to the same internal reviews. 

I'm very sorry again for the inconvenience this causes but if you have additional questions or concerns please let us know! 

Best, XXXX XXXX | Venmo Support VENMO IS STEALING CRYPTO MONEY AND GIVING NO SOLUTION!
Product: Mortgage

To Whom It May Concern, we have been fighting our previous loan servicer XXXX XXXX XXXX, XXXX, hereinafter referred to as XXXX, for several years. We had sent them numerous letters in an attempt to find out who the actual beneficiary is to our debt obligation. We disputed the information XXXX provided to us in regards to ownership. Now, XXXX has notified us that the servicing to our debt obligation has now been transferred to Fay Servicing. Fay Servicing has notified us that as of XXXX XXXX, XXXX, not only has our loan been transferred to them, but our debt obligation has allegedly been sold to a new entity. We adamantly dispute this information. This information does not match up with the records in the County Recorder 's Office. We are in the process of attempting to solve this matter. We have not done previously because the servicing rights were just acquired by Fay Servicing. Our biggest problem is that we know for certain Fay Servicing is a debt collector and not a creditor. When XXXX acquired the servicing to our loan back in XXXX, our debt obligation was in default and we have been in default since XXXX. Based on the fact that Fay Servicing has now acquired the servicing, they are debt collectors according to the Fair Debt Collection Practices Act, hereinafter referred to as FDCPA, without a legal right or authority to attempt to collect on the debt obligation or proceed with the enforcement of the security interest. We also have taken notice that our loan number has changed. 
We do not recognize the loan number they have assigned. In order to assign a loan number to an old debt, the old debt must be paid off. They can not create a new debt with an old debt obligation simply by giving it a new loan number. We understand that pursuant to the FDCPA, they are prohibited from threatening to take a non-judicial action to dispossess or disable us from our property when they do not have a legal right or authority to do so. To proceed with a non-judicial foreclosure against our home would be in violation of Section 1692f ( 6 ) of the FDCPA. We have been fighting this ordeal for nearly 10 years and every time we try to do something, our debt obligation gets transferred. Being in this position has forced us to learn about the law and what options and laws are available to us according to the U.S. Constitution. We presently are facing a foreclosure date set for Friday, XXXX XXXX, XXXX at XXXX p.m. We are bewildered as to how could they can proceed with a foreclosure sale when both the servicing and ownership has been allegedly transferred. We know for certain that this is a violation of California foreclosure laws. We are filing this complaint because we are beyond frustration, fear and anger. We are exercising any and all options available to us to avoid being victims of a wrongful foreclosure. We believe that if we do not file this Complaint, Fay Servicing will continue to disregard the law as their predecessors did and they will fraudulently and wrongfully foreclose on our home. 

Respectfully submitted, XXXX XXXX and XXXX XXXX
Product: Credit reporting or other personal consumer reports

The late payments reflected don't align with my consistent payment record.
Product: Money transfer, virtual currency, or money service

I was preparing for a boat trip with my mother when she got 2 notificiations that money had been taken from her paypal so i checked and i was shocked and i still am. I asked the site that the money had been paid from but i could only get a refund from one of them but i havent got the money back yet. the other site was a donation site so i couldnt. i deleted all the saved credit cards on my paypal and reported this to paypal and im still waiting for a reply.
Product: Credit card or prepaid card

I was charged for something that I never received and Apple/Goldman Sacks refuses to put that in my claim. 
I have talked to multiple people and told them I did not receive the product. I tried to call the merchant but there was no answer and no way to leave a message. 
I have emailed Goldman Sacks telling them I did not receive item.

The dispute says the card holder claims that the goods or services were either not as described or defective. 
I have redisputed this three times Please help!