23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I contacted Capital One, applied for and was approved for a securedMaster Card. I submitted a payment of {$500.00} and received my card laterin the mail. upon receiving my card, I began using it for purchases untilclosely reaching my max limit, at which point I contacted them andsubmitted a payment for the full balance of the card as well asadding an additional password for security. Shortly thereafter, I madean attempt to use the card without success. I contacted CapitalOne and was transferred to the fraud department for further identityverification. After answering all identity questions, I was told it was not enough, and I would need to submit proof of my identity through a secured link and it would take 1-2 business days to clear up. Information was sent in this sequence, all per requestof a Capital one fraud specialist : First I sent a photo copy of my drivers license. Was told two days later that it was too small and needs to be bigger because the address wasnot legible. I then sent another, bigger, copy of my drivers license. Wastold two days later that I need to send a copy of my license and socialsecurity card. After submitting a copy of both, I was told I also needed tosubmit a copy of a utility bill for proof of residency. I informed them that I moved in with my sister, and the utility bills were in her name. Atthis point, I inquired as to why my address on my account matchingthe address on my drivers license would not be sufficient. I was then transferred to an account manager who informed me that the addresson the drivers license would be sufficient as proof of residency, andI just needed to wait 1-2 business days for it to be verified. Uponcontacting them again two days later, I was told that I needed tosubmit a scanable copy of the front and back of my drivers license, or go to a bank and have them verify my identity over the phone. 
I attempted this with XXXX different banks, without success, as thebanks say that it is against their policy, and they have never evenheard of banks doing this. At this point, I submitted many large, legiblecopies of the front and back of my drivers license, as well as a copy ofmy social security card, and a " notarized '' copy of my banking form, ona bank letterhead, verifying my account at the bank, as well as mycurrent address. It has been 3 days since I have submitted all this information, and now when I contact them, I either get hung up on, placed on hold with no one returning to the line, told they did n't receivethe information, which had already been confirmed received, just waitingfor review, or told the management department which does the verifyingwas unable to take the call. I have even attempted to cancel the cardand have them fund the money back to the bank account it came from, also with no type of success. The last attempt I made to contact them inregards to this matter, I was told that they, themselves, could n't evenaccess my account until all the information was verified.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX has been submitting false information about one or two cooperative loan accounts depicting that I am late now 120 days. Both these accounts have been paid off in XXXX and XX/XX/XXXX in full. XXXX has a dispute that they believe I owe them money because they paid money to the cooperative that I factually informed them that I did not owe, and the money they paid them the payment states for hazard insurance in XXXX. I informed them in XX/XX/XXXX that I did not owe the cooperative any money, and XXXX stated in XX/XX/XXXX that they would not get ( see  attachment ) involved with any dispute between myself and the cooperative as the money alleged by the cooperative to be owing at the time was more than what was owed to XXXX. Furthermore one of the loans was paid off in XXXX ( see XXXX XXXX issued by XXXX -attachment ). Furthermore, I continued to pay both loans ( which is not clear which one if not both are on the credit report as one is depicted as current but still open and the other one is depicted as 120 days late with the same account number Account # XXXX ) The account with the XX/XX/XXXX open date is the one depicted as late ( Original Balance {$14000.00} with a Balance {$50000.00} ) however both should be closed. I never entered into an agreement to extend additional credit beyond the {$14000.00} owed on the original loan and XXXX has no right to extend such or charge such additional money to the account. I never received notification for what the {$50000.00} is for either. They further have changed my address to a XXXX address which is in fact the address of their attorneys XXXX XXXX further deteriorating my credit. Based upon information and belief it is also where they have been sending all my correspondence, as I have received no correspondence from them since XX/XX/XXXX. Furthermore all payments to both accounts were made monthly with one check and there can be no way that payments were not applied to both accounts simultaneously other than that XXXX has been splitting up my payments and giving them to XXXX XXXX bank which has no authority to receive or accept my payments. See attachments of checks negotiated by XXXX XXXX but sent to XXXX. I already checked with XXXX and they stated that XXXX XXXX is not the owner of the loan as they initially stated but rather that XXXX XXXX actually is pursuant to a service agreement ( which I never have seen )
Product: Money transfer, virtual currency, or money service

I Initiated a {$7900.00} on withdrawal on my XXXX XXXX to my credit karma account on XX/XX/XXXX. My Credit Karma account was {$250.00} negative but said I had until XX/XX/XXXX to make positive. Later that afternoon on XX/XX/XXXX I get an email stating my credit karma account is frozen. I have already initiated the payment to credit karma so it can not be reversed. They will Not let me speak to a supervisor and are no help in determining what is going on with my account. The money hits my account on Monday XX/XX/XXXX and now I have {$7600.00} dollars in my account that I can not access. I can not reach anyone with power to make decisions. They tell me I my a is due to be closed and I have to wait until someone makes decision and send me an email until I can get my funds back. Looking on XXXX I see a long thread where they close peoples accounts for now reason and hold Funds hostage. How is this legal? They are making interest on my money and not giving me any options to withdraw
Product: Credit reporting, credit repair services, or other personal consumer reports

Early this year I found out about a fraudulent transaction on my credit report. I contacted the merchant and was promised to get it resolved but nothing was done for over 3 months. 

The relevant account information on my credit report is as follows : SYNCB/Paypal Extras MC Acct XXXX Date open : XXXX Credit Limit : {$300.00} Charge-Off : {$770.00} ( XX/XX/18 ) Sold to XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX, XXXX, FL, XXXX
Product: Credit card or prepaid card

My credit card company has tried to fight on my behalf to the extent they could, but it appears that XXXX is taking the side of the merchant 's without actually paying attention to the details of the Merchants nonsensical claims or any facts in supported documentation. On XX/XX/XXXX I purchased 2 tickets with Capital One Credit card from XXXX  XXXX to fly from XXXX to XXXX. On XX/XX/XXXX ( the date of flight ) I arrived to the airport at XXXX for the flight that was leaving at XXXX. On the way there, exactly 10 minutes before I arrived to the airport XXXX notified me that the check-in counters are closing, while according to their own policy they were supposed to close " 45 minute '' before the flight ( at XXXX ). They notified me by email on the way to the airport of changing time when it is not possible to change anything. I followed their own policy which they changed 10 minutes before I arrived, making me " late '' .They refused to refund me the money and offered me to pay for new tickets for next day flight. All of that when I came 1hr15min before the flight for which they themselves required me to be no later than 45 minutes before the flight. 
I disputed the charge with CapitalOne but after months of investigation and back and forth with XXXX. Merchant, and CapitalOne they cancelled my dispute because even though XXXX XXXX policy says that check-in closes 45 minutes before departure, the company has a 1 ) no refund policy and, 2 ) there is a note in the policy that the policy can change at anytime for any reason " unless stated otherwise by XXXX XXXX ''. All of this means that company policy is there but it might as well not be. 
In my opinion, no reasonable investigation was done by EITHER XXXX or XXXX and my rights as a consumer were not protected, because I paid for a service which I did not receive ( being impossible to satisfy a whimsically changing policy of a merchant ) and Capital one, based on XXXX XXXX unfounded conclusions is demanding payment for the services I did not receive and even their customer service representatives agree with me, but can do nothing for me due to their company 's unfair process of investigating the dispute, which is heavily influenced by XXXX, XXXX.
Product: Mortgage

I began my refi mortgage application on XXXX XXXX, XXXX. Today is XXXX/XXXX/XXXX and I am no further closer to finalizing the mortgage. I have been bombarded with requests for more information. Each time I am told that we have submitted all documents, I get requests for more. I purchased this house with hard lender money in XXXX of XXXX. I had a clear title search completed in weeks. 1st Alliance is claiming that it took 5 months to get a clear title from their title company. This property was built in XXXX and has only had XXXX owner, not a tough title search. The company has also confirmed that my file has been passed through XXXX different underwriters. I have lost my rate lock and had to pay extra to get a new rate. My appraisal had expired and had to order a new XXXX. I have had to submitt all of my documents and a few different occasions because they have waited too long. Last week I was told that we would close today or tomorrow, and much to my surprise ... .I was greeted with another email asking for more documents. I am in the business of buying and selling homes for a living, and I have never heard of, or experienced such a poorly run company. This experience has greatly effected my finances and how I have been able to run my businesses since XXXX. I have been unable to operate my life as normal for fear of raising issues with having to provide more documentation.
Product: Debt collection

I don't recall having a contractual relationship with this collection company Portfolio Recovery Associates , LLC. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon receiving a print out of my credit report I found that Sears/CBNA was reporting an active account as current with a balance of {$6600.00}. I reach out to the fraud department at Sears. I told the Sears representative that I never applied for credit and that the account should be closed and removed from my credit report asap!!!!. I was told that the account would be sent to the department that handles those matters and that if in fact it was a fraudulent account they would close the account and remove it from my credit report also I would receive a letter with in 10 days stating the outcome. four months past and nothing was done so I printed another report on XX/XX/18 and the account still shows as active with the same balance. I reach out to Sears fraud department again on XX/XX/18 and after spending all day on the phone they couldn't produce any evidence like sing application, or photo Id. Sear could not proof or give me any answer as to how they open and account without verifying my identity or information. They told me that the only thing they could do is remove my name from the account and that would be all they could do for me. I requested for the account to be erased and removed on its entirely from my credit report.
Product: Credit card or prepaid card

I became a Discover It Chrome card member XX/XX/XXXX. I paid my balance in full every month with no late payments. I was approved for a Discover Miles credit card XX/XX/XXXX and the card was mailed to me. I was informed on XX/XX/XXXX that I was required to complete a tax transcript request form 4506-T and that both of my accounts would be frozen pending account review. I completed the 4506-T form XX/XX/XXXX via XXXX as requested. I closed my Chrome account because I became irritated that my account was frozen after a year of on-time payments made in full. I was informed on XX/XX/XXXX that my new Discover Miles card was closed due to a business decision after review of my income. I believe that Discover has violated the Equal Credit Opportunity Act because I have been discriminated against based on my marital status. When I completed my application, I was told to include all of my household income, which includes the income of my domestic partner. Discover 's website states, " Credit card issuers will ask you to supply your total gross annual income, which helps them decide if you qualify for a line of credit, and for how much. Current regulations allow you to include your total household income, so long as you have a reasonable expectation of having access to it to repay a loan. This is designed to make it easier for non-working spouses or domestic partners to qualify for credit cards. '' I included my own income of {$47000.00} annually and my domestic partner 's income of {$41000.00} for a total income of {$88000.00}. Discover did not give me an opportunity to prove my domestic partner 's income when evaluating my tax transcripts for income verification which discriminates against me based on my marital status. I contacted Discover customer service and was informed that they would not accept my domestic partner 's tax returns to prove my total household income.
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late.

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX XXXX XXXX. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Product: Vehicle loan or lease

I purchased a new XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XXXX from XXXX XXXX in Texas. 
I added this new truck to my XXXX policy on XX/XX/2021 Confirmation # XXXX The agreed price and what came to sign are not the same. I have text messages, and emails going back and forth from the dealership stating that I did not agree with the prices. 
I have different copies of contracts with different amounts and I am not getting anywhere with XXXX XXXX. I have been working with GM Financial as well to find out why there are different prices, amounts and terms. 
This is now become a HUGE issues, as the truck as had major problems and was in the shop the first time 44 days. We got the truck back for 2 days when I realized there are more issues. The truck went back into the shop with major oil leaks. There is still issues with the truck. I am not able to make a decision about trading the truck off due to warranty issues, or lemon law based on the amount of pay off is not correct due to the contract. 
There is one contract stating XX/XX/2021, another dated inXX/XX/XXXX and another set a documents that were sent to XXXX XXXX county in XX/XX/XXXX, XXXX all with different prices, down payments and credits. 
I need to get this dealt with and remove the co-signer off my loan. 
I will upload all documents and I am sending in an email to GM Financial at the email given to me as XXXX today in hopes they can help me. 
They state that they will reach out to the dealership and go off by what the dealership shows. This lays the issue. I believe that the dealership has fraudulently changed the amounts, dates and terms.
Product: Credit reporting or other personal consumer reports

The following account is reporting erroneously on my credit, I suspect identity theft, this account was really affecting me so I decided to pay it off and close it, but I want it completely deleted. I called the company and raised these concerns but so far they have not responded accordingly. 

The account in question is : XXXX XXXX XXXX XXXX {$2000.00} XX/XX/2015
Product: Credit reporting or other personal consumer reports

Kindly remove the unauthorized accounts from my credit report immediately. I am unaware of their origins and did not authorize their creation. Under XXXX XXXX, I formally request their removal within 15 days. The necessary documents are attached for your reference.
Product: Credit card or prepaid card

Someone opened a visa platinum credit card with Wells Fargo in my name without my consent I don't know how they got my personal information nor do I know who opened it. On XXXX I ran a credit check with XXXX credit reporting agency and they confirmed that the credit card was opened on XXXX of XXXX and the balance owed is XXXX. I received a bill in the mail by Wells Fargo in XXXX and they are billing me for this payment as well. I also discovered that some also attempted to run my credit with other banks but we're rejecting however my credit score is extremely low because of these illegal identity theif actions. Also I discovered on my credit report that companies I never worked for is noted that I'm employed by them.
Product: Student loan

I graduated from Tennessee XXXX University ( XXXX, TN ) with by XXXX degree in XXXX. I later graduated from the University of Louisiana at XXXX ( XXXX, LA ) in XXXX with my XXXX XXXX degree. XXXX these degrees were funded by student loans. I was able to consolidate a large portion on my federal student loans with no issues through XXXX. However, I have experienced extreme difficulties with repayment of my private student loans and bringing them current. These private student loans are serviced through Navient. These loans have doubled over the years as the interest rates range from 15.25 % to 9.25 %. These loans went into repayment status in XXXX of XXXX. At that time, I explained to Navient that I was unable to afford the {$1200.00} monthly payments that they were requesting and I paid what amounts I could each month. In XXXX of XXXX, Navient began reporting my private student loan account delinquent to my credit. I called numerous times in order to request a more affordable payment plan. Each time I was asked several questions about my finances, savings accounts, and retirement pension. These calls often ended with me being yelled at and even threatened with legal action. Finally, in XXXX of XXXX Navient sent a letter to a relative 's home stating their intention to seek legal action against me in order to collect money. On XXXX XXXX, XXXX, Navient finally agreed by phone to lower all of my private loans with them to a temporary 1 % interest rate and a monthly payment of {$420.00}. That amount was still out of reach of my budget however I agreed after being told that my accounts would be forwarded to an attorney for legal action the following day. I requested to receive the terms of this agreement and was told that I would not receive anything in writing until after 3 monthly payments have been satisfied. I called again to inquire about obtaining something in writing and was told similar information. A few weeks later, I received correspondence from Navient that contained a schedule of my automatic payments. I agreed to allow Navient to automatically deduct {$420.00} from my debit card on the XXXX of each month starting on XXXX XXXX, XXXX. However, Navient has continued to report my account delinquent to the credit bureaus. Furthermore, my payments have been applied to interest and fees only, making it impossible to lower the amount of the loan. I also continue to receive statements from Navient that show that I still owe {$1200.00} even after our payment arrangements have been made. In essence, I am paying the agreed upon $ XXXX monthly with a past due of {$1200.00}, essentially increasing the total loan amount.
Product: Credit card or prepaid card

Since XX/XX/2022 till present I have been calling Discover weekly to get my card unfrozen. I have submitted all notarized documents requested and every week they tell me I have to submit it again. This is getting ridiculous. I asked for Corporate phone number but they declined. Please help me resolved this. 

Thank you in advance.
Product: Payday loan, title loan, or personal loan

Midland credit funding has collection of XXXX from one of three credit loans that was taken out fraudulently. On XX/XX/2016. I had two security breeches that are one record I just found out this was fraud I never looked into my credit until now that I found out someone was taking out loans. I filed a dispute which I attached and my security breeches and my theft.gov report
Product: Credit reporting or other personal consumer reports

In Acordance with the Fair credit reporting ACT Account : XXXXXXXX XXXX XXXX : # XXXX XXXX : # XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX : # XXXX XXXXXXXX XXXX : # XXXX XXXX : # XXXX XXXX : # XXXX XXXX XXXX XXXX : # XXXX Has Violanted my Rights. 

.15 USC 1681 SEC 602 A State I have the rights to privacy.

.15 USC 1681 SEC 604 A SEC 2 Its Also state a consumer reporting Agency can not furnish a Account without my written instructions.
Product: Credit reporting or other personal consumer reports

Please remove the following Fraudulent hard inquiries from my credit report : The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Here I attach, along with the dispute, my fraud report that I just sent to Experian for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved.