23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

XXXX XXXX is stating that upon review of my investigation that they will not be removing the fraudulent account from my credit profile. The information they provided was incorrect. They provided an application for credit showing my address as XXXX XXXX XXXX XXXX XXXX, Il XXXX. In which I have not lived at that address in over 5 years. My current address is XXXX XXXX XXXX XXXX XXXX, Il XXXX where the correspondents were sent.This address on the application theyve provided is false. And as a result of the negative account associated with my credit it has mad a traumatic affect on my credit profile. I would like this account removed. Ive sent over several correspondence to XXXX XXXX they have yet to update this information on my credit profile or remove said account.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. XXXX, Equifax, and XXXX are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( XXXX ). ( A ), please investigate the unverifiable account below XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$8200.00} XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$8300.00} XXXX XXXX Balance : {$8300.00}
Product: Credit card or prepaid card

XX/XX/2017 XXXX XXXX XXXX Charge {$10.00} I noticed this charge on my credit card statement, has been charged each month for a year. I never approved it, when I called the number listed they were not able to " find any customer info at this time '' and assured me they would get back to be as soon as possible and took my address and phone number. I want my money, I requested a refund of all charges over {$100.00} easy. 
I have documents if needed.
Product: Money transfer, virtual currency, or money service

Our family decided to buy a special/rare breed of an hypoallergenic kitten to the isolated XXXX child in the house during the covid-19 pandemic, so we found a " breeder '' on a XXXX group and he offered a certain price ; he seem to be reliable while sending videos and pictures of the animal, always asking questions about our possibility to raise the kitten in a safe environment, always giving vivid details and constantly mentioning XXXX. Costs started to grow out of control, and every time we refused to send more money, or stop the agreement, through intimidation ( animal endangerment, going to court, etc ... ) the " seller '' would get more and more from us. Shipping confirmation was sent with the promise of a refund in case of no delivery, and we never received neither the kitten nor the refund. He still asks for money ( we already notified the local police, ic3 and our bank about it ). We hope to have our money back after all the stress and trauma caused. Thanks, XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

had an account on my credit report in which was removed with XXXX XXXX XXXX. I contacted the XXXX XXXX XXXX and inquired why the debt returned on my credit report after 5 ( five ) years. Per XXXX, they did not put the debt on my report. I contacted Transunion and inquire per Transunion they have to return all debt on everyone 's report, so don't think it's just me. I need assistance in this matter why Transunion is having the right to returned this item from XX/XX/2014 back on my report. I feel Transunion is taking the rights of many Americans. 
Because of this matter, my Credit Score decreased, please help!
Product: Mortgage

I recently applied for a loan and when my credit report was run ; the loan agent told me that my score had dropped significantly. When we researched the report we find a derogatory report from my old mortgage company that held the loan for my last house. It was stated by the company that I had made a late payment ; the supposed late payment was issued on XXXX of 2014. The problem with this claim is that I had sold the house on XXXX XXXX of 2014 ; obviously there report of this late payment is impossible. I have contacted the company via email and phone ; I supplied them with the report and highlighted the discrepancy. The have done nothing to correct the issue and now they wont reply to my email or phone calls. They give me excuses like they do n't have the loan on file anymore, even though the its been less than a year. Its being investigated by there people but I am not allowed to speak to them. I spoke to a supervisor at one point and she hung up on me, another time I was put on hold and intentionally hung up on. 
I reported this issue with Experian and they have put in a dispute, advocating on my behalf with the company as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was advised to contact you regarding some items on my credit that are not mine. I'm really trying to purchase a family home and this has been holding me up as I didnt know how to approach it at first. I have contacted the FTC and the police here. Please have these items removed from my credit. XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX.
Product: Student loan

I was informed on XX/XX/XXXX that I need to start paying my loan immediately since I 'm well beyond in-school deferment limits. There is a 48month cap. I told them multiple times that this information does n't exist online or is on my promissory note. They forced me to pay a {$150.00} fee to get my loans in order. Called again the next day asking for more information about this policy. Later informed by rep that theyll be mailing this out. I started school at the first college in  XX/XX/XXXX and I should have been informed of this policy in  XX/XX/XXXX . I 've receieved no information about this policy until now. This deferment cap seems really out of place since it was n't mentioned by the financial aid advisor at the time, on the promissory note or anywhere on their website.
Product: Credit reporting, credit repair services, or other personal consumer reports

I bought a 2021 XXXX XXXX in XXXX of 2021. XXXX XXXX has the loan on it and I have made all monthly payments to date. XXXX will not report this to the credit bureaus and as a result it has and continues to have a negative impact on my credit score.
Product: Mortgage

XXXX XXXX XXXX ( XXXX : Fay Servicing ) has put our home in Foreclosure. We have not received a Statement from Fay Servicing for about a year now. We can't seem to get anyone to call us back, or give me a current statement since XXXX of XXXX. We have emailed the Vice President of Fay Servicing and called on a daily basis. Our efforts to pay all the back payments have been in vain as no one will return my calls or by law give me the paperwork I need to try and take care of this issue, The longer Fay Servicing puts us off the more interest they add to these back Mortgage Payments. According to the letter we received it is required by law to furnish me with the paperwork I have been requesting since XXXX of XXXX
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 # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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: Mortgage

The company has sent us statements exhibiting many transactions. We are not clear what they are as they use terms we do not understand. They keep calling us on a phone which we told them not to call on. When we call back they do not return the call.It is not always the same person we talk to if at all.We can not post all the statements here.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX 15 U.S.C 1681 section 602 A : States I have the right to privacy.

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

15 U.S.C 1666b : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any reason.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon review of my credit report per a recent credit denial, I noticed several unauthorized inquiries that were showing on my Transunion credit profile. As such, I am hereby demanding for the following offending unauthorized inquiries listed below to be immediately deleted from my credit report : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/22 Please remove this offending unauthorized inquires from my credit report.
Product: Money transfer, virtual currency, or money service

I was scammed by someone who used this 3 companies names in 2 different banks : ( XXXX XXXX XXXX AND XXXX XXXX ) at XXXX XXXX XXXX ) based in California under XXXX clients. And the other company is XXXX XXXX XXXX. WITH JPMORGAN BANK. also under XXXX clients ) I tried to get my money through my bank but these banks are refusing giving me my XXXX $ back. ( I got pictures, bank accounts, dates, names, ) all I want is my money back.
Product: Bank account or service

Back in XXXX I stayed with the XXXX Hotel in XXXX, Az for XXXX nights. XXXX of the nights was paid for with my debit card and the other XXXX nights I paid cash which was {$340.00}. I did not pay cash until I checked out of the hotel so my debit card was pending authorization for my stay. After waiting a few days for the money to go back on my debit card it was to my surprise that the hotel was still authorizing my debit card after I was no longer staying there. I realized this when I had tried to make an ATM cash withdraw and my debit card was declined. I immediately got online to see what was going on and at this point I went straight to the hotel to inform them and to get my money back. After an hour in a half standing at the front desk of the hotel XXXX of the employees and the manager released my funds. It took XXXX days for the money to go back into my bank account and once it did it was immediately taken out. I called customer service with my bank and was wanting to put a block on my debit card for the XXXX Hotel, but per BMO Harris I was advised to close my debit card which is exactly what I did. XXXX days after closing my debit card and already having a new debit card and using it my bank account went into the negative for over {$1100.00} and it was because my bank authorized the charge with the XXXX Hotel. This time I immediately went into my bank to handle this. Not only was the banker at the branch not understanding why this had happened, but the XXXX people he had spoken to on the phone were also baffled with what had happened. I ended up filing a dispute which I was complaining about having to do since this was clearly something that was XXXX 's problem, but I filed the dispute anyways. Within XXXX days my account was back in positive standings and that was that. XXXX months later my account is back in the negative due to XXXX denying my claim which is why I am filing this complaint today. I have spent hours on the phone with BMO and I can never speak to anyone who works directly with the claims department. Instead, I am always having to speak with a CSR who has me on hold for XXXX minutes so they can read the notes and then on hold again so they can speak with someone directly in the claims department and the conversation ends up being me on hold while they talk and come back to tell me what they said. Last week after XXXX XXXX hour phone calls and still my bank account is in the negative I feel as if I have no other choice than this.
Product: Credit card or prepaid card

My problem is that the Capital One Web site incorrectly shows past due amounts as NOT past due, causing customers to make 30 day late payments instead of just a few days late. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Four times in XX/XX/XXXX and XX/XX/XXXX, I logged into my account planning to make a charge card payment a day or two after the due date. Unlike ANY OTHER company I know, the web site, instead of segregating the past due amount from the following months amount due, combined them, and showed next months due date for the entire amount!! This indicated to me that I did NOT have a payment due ... .and I waited till next month-end to pay! 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - I finally realized that the XXXX XXXX site was misleading me and have avoided the problem since, but I still have 4 late payments on all my credit reports! 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - I HAVE tried repeatedly to get Capital One to address these issues but they have steadfastly refused to do anything. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- ( please note that I could provide a screen shot of the XXXX screen but I would have to let my account go a day past due, and incur a big late fee to do so )
Product: Credit card or prepaid card

On XX/XX/2021 I received a new U.S. Bank ReliaCard, which I did not apply for. I have not activated the card. Unfortunately, I shredded the card without writing down the card number. I do have the sheet of paper that The card was attached to, and it has a bar code above my name and address, plus a 15 digit number : XXXX XXXX XXXX I have tried to reach a person at U.S. Bank but they are not taking calls about their ReliaCard right now. Without the card number I have no way to cancel this card except for not activating it. 

I do not understand how this card could be used fraudulently by whoever initiated a request for it. However, XXXX presents vague information about people trying to get undeserved federal Covid payments. Not knowing what information was used to apply for the card, I am concerned about 'identity theft '.
Product: Credit reporting or other personal consumer reports

At this point, Im honestly losing patience. Ive been asking for months for these inaccurate accounts in pending litigation to be removed from my credit report. Ive reached out multiple times, and each time, Im left with no resolution. This isnt just an inconvenienceits affecting my financial stability and mental well-being.
Product: Credit card or prepaid card

On XX/XX/2020 I signed up for this card. I made the yearly fee on {$39.00}, I deposited {$300.00} in the account and also paid a rush fee of XXXX to receive the card sooner. The transaction has been stuck on processing since. There is a contact number, but no way to speak with an actual person. It has now been 15 days and I don't have a card nor my money.
Product: Credit card or prepaid card

I was contacted by a company called XXXX XXXX XXXX XXXX of XXXX VA that they had purchased my credit card account from Barclays Card Services on XX/XX/XXXX ; while I was under Chapter XXXX Bankruptcy. 

Barclay Credit Card Services never bothered to notify me of their reported sale of my credit card account ( XXXX XXXX XXXX XXXX ). I have written three letters to Barclay Card Services asking for verification of their reported sale, To date, Barclay Card Services has not responded to my two previous letters ; dated XXXX and XXXX. 

I have now written a third letter to Barclays Credit Card Services, dated XXXX, Once again asking for verification of this sale, the date of the sale, the account balance at the time of the sale, and a payment and billing history for XXXX and XXXX.
Product: Debt collection

This letter is regarding XXXX account # XXXX, which you claim, I owe [ {$2800.00} or my account was charged off {$2800.00} ]. This is a formal notice that your claim is disputed. 
XXXX XXXX  account # XXXX, which you claim, I owe [ {$3400.00} or my account was charged off {$3400.00} ]. This is a formal notice that your claim is disputed. 

XXXX/XXXX  account # XXXX, which you claim, I owe [ {$0.00} or my account was charged off {$0.00} ]. This is a formal notice that your claim is disputed. 

XXXX XXXX XXXX account # XXXX, which you claim, I owe [ {$8900.00} or my account was charged off {$8900.00} ]. This is a formal notice that your claim is disputed. 

XXXX/XXXX  account # XXXX, which you claim, I owe [ {$1400.00} or my account was charged off {$1400.00} ]. This is a formal notice that your claim is disputed. 

XXXX XXXX  XXXX account # XXXX, which you claim, I owe [ {$1000.00} or my account was charged off {$1000.00} ]. This is a formal notice that your claim is disputed. 

XXXX/XXXX  account # XXXX, which you claim, I owe [ {$2100.00} or my account was charged off {$2100.00} ]. This is a formal notice that your claim is disputed. 

XXXX/XXXX  account # XXXX, which you claim, I owe [ {$0.00} or my account was charged off {$0.00} ]. This is a formal notice that your claim is disputed. 

XXXX XXXX account # XXXX, which you claim, I owe [ {$0.00} or my account was charged off {$0.00} ]. This is a formal notice that your claim is disputed. 













I am requesting validation, made pursuant to the Fair Debt Collection practices Act and the Fair Credit Reporting Act, along with corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you.

Please also be aware that any negative mark found on my credit reports ( including XXXX, TransUnion and XXXX  ) from your company or any company that you represent, for a debt that I dont owe, is a violation of FCRA & FDCPA ; therefore if you can not validate the debt, you must request that credit reporting agencies delete the entry.
Pending to the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports.

Failure to respond withing 30 days of receipt of this certified letter may result in small claims legal action against your company at my local venue. I would be seeking a minimum {$1000.00} in damages per violation for :. Defamation. Negligent Enablement of Identity Fraud. Violation of the Fair Debt Collection Practices Act (
including but not limited to Section 807-8 ). Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b )
Product: Checking or savings account

I am filing a compliant against Capital One regarding the deceptive practices related to their 360 " high yield interest '' savings accounts. Capital One misrepresented the 360 Savings account as having one of the nation 's highest interest rates, yet failed to notify accountholders about the superior rates offered by the 360 Performance Savings account. This deliberate obscurity and lack of transparency violated consumer trust and resulted in significant financial losses for many, breaching the Consumer Financial Protection Act and the Truth in Savings Act. I seek redress for the misleading practices and failure to fulfill their advertised promises.
Product: Credit card or prepaid card

I applied for a chase business credit card which I was pre-approved for. I previously have had this card and was approved. I was denied because according to chase " we do not currently offer reward programs for your type of business and we are XXXX this to avoid a potential conflict of interest '' This is interesting because I have been approved for the same business card for my current business that I applied with. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

When I called reconsideration they told me that they don't know why I was rejected and should have been approved. They informed me because I selected the wrong type of business. Reconsideration kept transferring me to multiple people and spent more than 30-40 minutes talking to different reps to resolve this matter. Unfortunately it was not resolved. I was told my type of business is not restricted but nothing was done to fix the issue and approve my application. The reps even said I am not the right person to help you. At no time did I get in contact with someone who works in reconsideration or the appropriate people to resolve this problem This is a lot of miscommunication and I am very disappointed in my experience. I have attached an email that I received from my previous research variety account with chase showing my business is compatible with their rewards program and their is no conflict of interest. Furthermore I have also included correspondence from XXXX XXXX and XXXX XXXX showing I have a legitimate business on that that is compatible with rewards programs for my type of business. Finally I attached my Illinois business authorization showing i have to pay sales tax for the items I sell.