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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Under 15 USC 1681i, furnishers of information are required to : XXXX. Provide accurate and complete information : Furnishers must provide accurate and complete information to consumer reporting agencies. They must ensure that the information they provide is correct and up-to-date. 
XXXX. Investigate and correct disputed information : If a consumer disputes the accuracy of the information provided by a furnisher, the furnisher is required to conduct a reasonable investigation. If the investigation concludes that the information is inaccurate or incomplete, the furnisher must correct or delete the information. 
XXXX. Promptly update and report changes : Furnishers are obligated to promptly update and report any changes to the information they provide to consumer reporting agencies. This includes updating information regarding the status of accounts, payment history, and any other relevant data. 
XXXX. Not knowingly report inaccurate information : Furnishers are prohibited from knowingly providing inaccurate information to consumer reporting agencies. They must take reasonable measures to ensure the accuracy and integrity of the information they report.
Product: Money transfer, virtual currency, or money service

I deposited a check from XXXX XXXX Treasury dept.for the sum of {$4200.00} chase bank said my funds would be available in 7 days as soon as my funds were avalible chase bank closed my account an put all of my funds in suspension. After the check cleared an Chase banks recieved the funds. They will not release the funds to me because chase bank said they can not varefiy the check .they will not call the number that is posted on the check to varifiy it an they do not have the correct phone number in there data base to varifiy the check according to chase bank . I went in person to the creator of the check to get them to just void the check an make me a new check .Which they agreed to do, they checked there bank that the check was made out to .Chase bank had already processed the check an recieved my funds
Product: Credit reporting or other personal consumer reports

I applied for a {$37000.00} loan on a XXXX XXXX XXXX valued at {$99000.00} on XX/XX/XXXX. I received several rejection letters from various loan companies that XXXX XXXX XXXX submitted the loan applications to. I made numerous attempts to get copies for the basis of the rejections from XXXX by calling the finance manager and the XXXX general manager, all to no avail. The XXXX dealership is located at XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX. The vehicle vin is XXXX. As Directed by the rejection letters, I have submitted requests in writing for copies of my credit file. I left numerous messages with XXXX XXXX, Finance Manager and General Manager XXXX XXXX. The rejection letters also says to get specific rejection information from the dealer. I am prepared to file a formal complaint with the Consumer Finance Protection Bureau if necessary.

After initiating a XXXX complaint, the general manager said the reason the finance manager did to not respond to by earlier phone calls was probably because he was preparing for marriage. I explained that I wanted copies of the credit applications XXXX prepared on our behalf. Subsequently, the general manager said he was advised by his legal counsel that the credit application data could not be provided.
Product: Credit reporting, credit repair services, or other personal consumer reports

Trans Union is reporting fraudulent information on my credit report. These accounts do not belong to me. 

XXXX XXXX {$340.00} XXXX XXXX {$240.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have called Equifax and mailed them several times to receive my consumer report and they still haven't sent it. Equifax has conducted several investigations concerning my consumer report and I haven't received any updated consumer report thereafter. I am aware after each investigation they are to send me a copy of my updated consumer report. Equifax is in noncompliance with their code of federal regulations I can not retrieve my consumer report from this company yet they are reporting my personal identifying information. It is my right to know what they are reporting on my consumer report.
Product: Checking or savings account

Capital One Banking Direct Deposit Missing On Thursday XX/XX/year> I got paid and should have received my paycheck through direct deposit through my checking account in Capital One. It is XXXX on Friday XX/XX/year> and I still have not received my paycheck.
Product: Money transfer, virtual currency, or money service

I was approached by a girl on XXXX offering me tickets for a show that i wanted to go. I transferred the agreed amount to her boyfriend 's XXXX but she did not send the tickets afterward.
Product: Credit card

I, XXXX XXXX, as a federally protected consumer and per the Fair Credit Reporting Act ( 15 USC 1681 ) I am now opting out of any and all authorizations that I may have given you written, unwritten, oral, verbal or nonverbal per U.S.C 6802 effective immediately and indefinitely. 
XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a ticket XXXX stating it was in Arizona, XXXX XXXX. I have never been to Arizona. My license was stolen and I never was issued a XXXX  at any time.
Product: Credit card or prepaid card

This complaint is against Continental Finance. 

I lost my XXXX Credit Card around the end of XXXX, XXXX. I called Continental Finance and reported my credit card missing. They instructed me to prove my identity because I moved to Colorado and they would only accept a fax to an office I do not know. I sent the fax to them with the requested documents. I never heard from them. I went to pay my bill online as I have done on time every time ( I have the records ) and the companies XXXX/Continental Finance closed the access to the credit card site and I could not get access to pay my bill. I finally received my new card about a month and a half later. I went on line and created a new account and I was able to pay my bill. 

I received two threatening letters. One in the beginning of XX/XX/XXXX and another on XX/XX/XXXX. They said I owed {$110.00} and there was a {$35.00} payment past due. This is impossible because I paid XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX of {$35.00} each. 

These companies are criminals. Now referred here to as CFXXXX. They adjusted my cycle without telling me and billed me a service fee the was not due and charged me over {$140.00} in fees reflected in the last statement I received in XX/XX/XXXX that was the first since I had the card because everything was managed online. 

The statement dated XX/XX/XXXX had the following that I never received before Fees and other charges 1. Monthly network fee $ {$10.00} ( Never was there before ) 2. Annual Fee {$99.00} ( CFXXXX only did this because it was a new card and they are criminals. ) This fee was not due until next year. 

3. Late fee of {$40.00} for no reason.

In the reverse side of the invoice. ( This is the only one I have received from CFXXXX since I opened the card last year. ) It says " every month I will be assed a monthly fee. '' No amount stated and to close the card if I did not want the fee. 

So, I called CFXXXX today XX/XX/XXXX and was on the phone for an hour. I asked the person to transfer me to a supervisor to straighten this out. I was transferred 30 minutes later to a rude person that REFUSED to help. The fees that were asses in total I did not owe and this person refused to close the credit card. They are now falsely reporting on my credit report and gouging me in fees that I did not owe and I was not late on any payments.

/s/ XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I received an Experian Credit alert that my score had dropped XXXX due to a late payment on my XXXXXXXX XXXXt loans ( 4 accounts ) in XX/XX/XXXX payment. I contacted the Creditor and they never reported me late as 1 ) all payments are on ACH 2 ) they only report at 60 Day late in their system 3 ) I provided Experian with my monthly statements showing no late charges or payments were late and the accounts were current at that time. Experian was the only Credit Bureau that reported the information. I filed a dispute immediately and as of XX/XX/XXXX they corrected the error. However, they would not correct the drop of XXXX points on my credit score due their mistake and claim it is indisputable with Experian
Product: Mortgage

o Payments are not posted or frequently not posted in a timely manner. Examples : Payment for XX/XX/XXXX {$960.00} cleared XXXX XX/XX/XXXX ; XX/XX/XXXX {$960.00} cleared XXXX XX/XX/XXXX ; XX/XX/XXXX {$960.00} cleared XXXX XX/XX/XXXX, XX/XX/XXXX post marked XX/XX/XXXX was not deposited and had not cleared XXXX by XX/XX/XXXX. 
Billing statement dated XX/XX/XXXX with due date XX/XX/XXXX indicated {$4000.00} due. 
Late fees were added on the billing statement dated XX/XX/XXXX with due date of XX/XX/XXXX. 

o Sent a Compliant letter dated XXXX XX/XX/XXXX. Rec 'd a response & printout. Payments posted on the printout do not commensurate with billing statements received. Some months had multiple payments posted. Multiple payments were not made. 

o Receives multiple monthly billing statements : Example : billing statements dated XX/XX/XXXX with payment due XX/XX/XXXX ; XX/XX/XXXX with payment due XX/XX/XXXX ; XX/XX/XXXX with payment due XX/XX/XXXX ; and XX/XX/XXXX with payment due XX/XX/XXXX. 

o Ditech Mortgage sent a representative to my home on two different occasions.
Product: Credit reporting or other personal consumer reports

I originally filed a CFPB COMPLAINT # XXXX Stating the following : " Inquiries that I did authorize currently appear on my Equifax credit report. These include the following inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These should be removed immediately. '' Equifax responded to my dispute stating " XXXX XXXX XXXX INQUIRIES ARE A FACTUAL RECORD OF FILE ACCESS. SHOULD YOU HAVE REASON TO BELIEVE THIS INQUIRY WAS UNAUTHORIZED PLEASE CONTACT THE CREDITOR DIRECTLY AND FOLLOW THEIR INTERNAL FRAUD PROCEDURES. Inquiry : XXXX XXXX XXXX XXXX XXXX INQUIRIES ARE A FACTUAL RECORD OF FILE ACCESS. SHOULD YOU HAVE REASON TO BELIEVE THIS INQUIRY WAS UNAUTHORIZED PLEASE CONTACT THE CREDITOR DIRECTLY AND FOLLOW THEIR INTERNAL FRAUD PROCEDURES. Inquiry : XXXX XXXX XXXX XXXX INQUIRIES ARE A FACTUAL RECORD OF FILE ACCESS. '' I informed Equifax that these inquiries resulted from fraud. EQUIFAX has failed to comply with the Fair Credit Reporting Act ( FCRA ).

THESE INQUIRIES SHOULD BE REMOVED FROM MY CREDIT REPORT IMMEDIATELY.

This is my second complaint on this matter. Please be advised that if this matter is not resolved soon, I will be forced to take legal action against Equifax.

Please refer to Fair Credit Reporting Act ( FCRA ), Section 623.

The data furnisher must NOT report inaccurate information, which EQUIFAX is currently doing.

Also, a " federal government identity theft report '' was attached to the previous complaint which was disregarded by Equifax. 

Lastly, I can prove Equifax did not do its proper due diligence, because one of the companies to who the inquiry belongs, sent me a letter informing me that they concluded the application was a result of fraud, and will be working with credit bureaus to remove any false information, This conflicts with Equifax statement that the inquiries are " FACTUAL '' I will be attaching that letter to this complaint as well. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian I have reviewed some information on my credit report that shows an inquiry that I never authorized. Please delete these fraudulent inquires : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These addresses are being used by fraudsters to attack my credit and steal my identity. 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX and XXXX XXXX XXXX XXXX, XXXX Thanks for your understanding. I have attached proof if ID and Address, as well as the Police report.
Product: Credit card or prepaid card

Cardholder submitted a legitimate merchant dispute due to a merchant not adhering to official terms and conditions. Merchant charged cardholder for services and goods not rendered. Capital One was notified on XX/XX/XXXX and provisional credit was provided on XX/XX/XXXX. On XX/XX/XXXX, documentary evidence was provided to Capital One that the merchant was engaged in unfair and deceptive business practices. 

On XX/XX/XXXX, Capital One provided correspondence that the provisional credit would be reversed to the card. Furthermore, the merchant acted in bad faith providing Capital One with policies that were in place after the date of the transaction in question was conducted. 

I would also like to note the cardholder has disputed a single transaction from XX/XX/XXXX through XX/XX/XXXX. I will also note that the cardholder hold substantial deposit balances with Capital One and never missed a single card payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an ITEMS passed on that should be taken out or Block.Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFTREPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX, GA XXXX XXXX GA XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The following student loan account is in DEFERMENT STATUS and should not reflect a late payment or negative. This is a violation against the FCRA. Why should they hold it against me? I disputed the accounts with XXXX and Transunion for several attempts to no resolution..They did not give me evidence or verification as to why they will not remove the account. The error has affected my credit score. CFPB please step up and fix this ASAP please Im looking to purchase a home. 
DPT ED/XXXX XXXX, DPT ED/XXXX XXXX, DPT ED/XXXX XXXX, DEPT OF ED/XXXX XXXX XXXX,
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within XXXX  days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of iXXXX. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 have a bankruptcy on my credit report that does not belong to me. I have spoke to TransUnion numerous times over the last 2 years. I have sent certified letters that they claim to never receive. I have disputed this item numerous times over the last 2 years and it keeps coming back as verified as accurate. I keep asking how it was verified and they say with the court. I spoke to the courthouse and they mailed me a letter on their letterhead explaining that I do not have an account and it doesnt belong to me. I have mailed this letter to TransUnion and finally was able to verify that they received it. They still refuse to remove this public record bankruptcy from my report. All TransUnion is doing is filing a dispute but then it comes back as verified. I asked how its verified and they said through the court but I know that isnt true. They have my letter from the courthouse and a letter from XXXX that they have erased this information from my file but still they refused to remove it. TransUnion told me to wait 7 years to have it removed but why if it isnt my information.
Product: Mortgage

XXXX, Now in a battle regarding the pipe repairs with the Insurance company the mortgage company has been receiving the mortgage payments and have not been applying the payments. Working with XXXX at XXXX XXXX, a XXXX XXXX advisory group on a group call and this is what came of the call " he was questioning the letter received which is a copy of the latest XXXX your office received about XXXX through XXXX payments and the outstanding XXXX due XX/XX/XXXX. XXXX was interested if they received XXXX in the last 30 days why had it not been applied to the case and the rep advised it was due to attorneys were listed on the case and they were awaiting an outcome just in case they needed to return the money to us. XXXX then asked is there a foreclosure attorney assigned to the case and he advised no and XXXX went to advise of the procedures before that level could be attained. He asked were we up to date and the agent advised that the next payment due was XXXX. He then asked about the outstanding payment of $ XXXX. Apparently, their story is when they bought the loan in XXXX from XXXX mortgage that was the amount due and they were recuperating it 15 years late '' With this being said. Midland Mortgage is not applying the payments and once the moratorium is lifted they can run an immediate foreclosure and refund the money already paid. As of today we are sending another mortgage payment that again they will not apply to the account. The loss mitigation was completed per the letter from Midland Mortgage XX/XX/XXXX. The payment agreement was not forwarded to the creidt bureau so it is affecting our credit report as not paid in several months and not reset as in the past. Why are they allowed to not apply the money that on XXXX they advised in a letter that was required ASAP. 

There must be something to offset the likelyhood of this foreclosure that is looming that they will spring at the latest possibility. a complaint has been forwarded to XXXX who have advised since they are not based in Florida the complaint has been forwarded to XXXX which handles banking issues nationwide. 

At this point i am looking toward who can assist. The bottom line the XXXX XXXX does not want to pay for the pipe claim because it is costly. We have just had an independent company run cameras through the pipe to verify the severity of the damage. 

So to avoid any payout from XXXX XXXX, Midland Mortgage is refusing to apply my mortgage payments to allow a foreclosure can be put in place for non payment. Adding an unknow fee of {$21000.00} supposedly owed from XXXX XXXX  from XXXX when Midland Mortgage purchased the loan that they want due immediately or they will ask for the entirety of the loan to be due. Once Midland Mortgage purchased the loan from XXXX there was not a separate amount due from us to completed the transaction since the purchase was not done with our knowledge. 

Since we are not behind in payments and are not in foreclosure our issues differ than standard ways of assistance that can be provided. 

This does not take a rocket scientist to see the shadiness that is afoot. The question is in what direction can we find assistance.
Product: Credit card or prepaid card

I reported my card canceled one day and was waiting for another one in the mail. Well I never carry cash on me and I got a ride home one day. Wanted to give her some gas money but had explained that my netspend card had been stolen so I fell asleep in the car with my tool bag and my wallet and my meds were stolen. Unfortunately I keep my login info in my wallet she must have called and had the money transfer to her acct. So my friend called me later and as asked me where his girl got all this money at. So I looked at my app and it was all gone.
Product: Debt collection

I just wan na get my credit fix please I was XXXX and careless many years back