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

On XX/XX/XXXX I purchased a round-trip ticket on XXXX XXXX ( XXXX ) for vacation to XXXX, XXXX using a combination of approximately 53,000 rewards miles and {$380.00} cash from my Capital One Venture Card. I booked this flight via Capital One Travel. 

Unfortunately, due to the Covid-19 Pandemic I was not able to fly to XXXX due to travel restrictions placed on U.S. Citizens entering that country last XXXX when I was scheduled to fly there. In response, XXXX issued me a travel credit via Capital One Travel to be used to rebook a new flight by XX/XX/XXXX to fly to XXXX. However, by XX/XX/XXXX, there were still travel restrictions in place blocking U.S. Citizens from entering XXXX and I was unable to use my travel credit to rebook a flight. 

For the last 9 months I have asked Capital One Travel to request a refund for my ticket ( and then the travel voucher issued to me ). After dozens of hours on hold and speaking with dozens of Capital One service representatives, I have still not resolved this issue. Every Capital one representative I speak with gives me different information, some suggesting my travel voucher would be refunded ; others stating they are not sure. 

In the meantime, I was able to get a refund from XXXX for 3 other travel vouchers I got from XXXX for the same trip for my wife and XXXX kids. These vouchers came directly from XXXX, since I booked these flights directly with XXXX. However, when I contact XXXX to get a refund for my flight I booked via Cap One Travel, XXXX XXXX says that I have to request a refund via Cap One Travel. I have done so multiple times, sharing the documentation I received from XXXX for the other travel voucher refunds but have still yet to receive a refund from Cap One Travel on the voucher issued to them for my flight. 

The other challenge is that when I call the Capital One Travel customer care phone number, some Capital One representatives do not have access to the full information and context of my case and can not advise me on how to proceed. Often they put me on hold to transfer me to a supervisor with a higher level of access to review " the codes '' issued for my refund request. However, I often end up stuck on hold for extremely long wait times, sometimes exceeding 90 minutes. My only recourse thus far is to redial the Capital One Travel customer service number ( XXXX ) and start over. However, I only end up lost in the Cap One Travel System of phone holds and transfers. 

I am filing this complaint because I want a refund from Capital One for a service I paid for but never received. Capital One Travel is also not acting as an advocate for me in dealing with XXXX XXXX and I can not get basic information from Capital One such as my ticket number and/or voucher number to deal with XXXX XXXX directly.
Product: Credit reporting, credit repair services, or other personal consumer reports

Information about XXXX XXXXXXXX XXXX continues to appear on my credit report, however XXXX XXXX  XXXX have no information on me said account on their data base. I have tried to dispute it, but it continues to appear on the reports. The credit bureaus advise me to get in touch with XXXX XXXXXXXX XXXX and XXXX XXXX XXXXXXXX advise me to get in touch with them. I've been going in circles for months, to no avail.
Product: Mortgage

Due to unusual historical circumstances, I have approximately {$55000.00} of outstanding credit card and other revolving debt. Most of it carries an interest rate of 29.99 % and is owed to Citibank. I would like to take out an additional home equity loan from Citibank for {$80000.00} to pay off this high interest rate debt and use the remainder ( {$25000.00} ) to pay towards my son 's college education. 

I have plenty of equity in my home and am employed full time and earning a good salary ( $ XXXX K/year ). So from an equity and debt-to-income point of view I should have no problem qualifying for this additional home equity loan. The problem I have a low XXXX score -- but it is purely on the basis of my high credit card balances. In fact, I have an excellent payment history ; e.g. my existing home equity loan to Citibank for approximately {$230.00} K has never missed a payment! Now because Citibank is denying me this debt consolidation home equity loan, I can not get out from under the high credit card balances to guess who? CITIBANK! So now I will be forced to restructure or ( hopefully not ) default on my credit card balances which will further impact my credit standing going forward. 

On Tuesday XXXX XXXX, 2016 I spoke with XXXX XXXX ( XXXX ) who is the Citibank home equity credit officer handling my inquiry. She confirmed that Citibank denied my request for a HELOC purely because of my low XXXX score, not due to my payment history or equity in my home or debt-to-income ratio. Furthermore, she confirmed that in looking at my XXXX credit report, my score of XXXX was low purely because of my high credit card balances. 

I explained to XXXX XXXX that I can no longer continue to make these high credit card payments. I further explained that this is not the way Citibank would treat its corporate or high net worth clients looking to refinance their high interest rate debts. In fact this is not how the taxpayer treated Citibank during the credit crisis! When I think about the mission of the CFPB, I can not think of a more black and white situation for them to look into.
Product: Credit reporting or other personal consumer reports

Im called company XXXX XXXX, in covid 19 time when credit reporting was off they report about my late payments after Tht I been begging them to delete my report.close acunt also showing n late payment .paid off account also showing in credit report.after Tht AFFIRM INC put flag in my XXXX account I dont have no knowledge off Tht .i also called them they denied to remove Tht.plz help me Im trying to buy house bcoz if this now bank not giving me loan bcoz my score is down .plz help me, I called 3 credit barrow and those company
Product: Credit reporting or other personal consumer reports

I am following up my previous complaint today in regards of being a victim of fraudulent activity. Let me repeat that, pursuant to FCRA section 605b, Credit Reporting Agencies are obligated to remove any items listed on an identity theft report. Mine is referenced under # XXXX. Enclosed, please find the attached documents to facilitate the removal of the erroneous information and fraudulent inquiries from my reports. Below is a list of items that were opened without my authorization : ***********EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX As per FCRA Section 605B ( a ), Credit Reporting Agencies must remove any items identified by the consumer as resulting from alleged fraudulent activity within XXXX business days of receipt.
Product: Debt collection

I am currently in process of making a large purchase, and before I ran my credit I performed a credit check and saw IQ Data International pop up and is reporting an amount of {$2400.00}. I have no clue who this is or was, so I XXXX searched the company and I called them. They asked me some questions and if I ever rented an apartment in XXXX? I said no and I have no clue why this is popping up. I then was grilled about people I do not know and was asked if I ever co signed for anyone.. which is a no. I was told I would receive a fraud packet to fill out and return. Waiting for mail and nothing so I called again, a week later, was asked about an address I never even heard of and was told they are resending it out. Waiting again nothing. So we are out 3 weeks now. I called today and Im being told it may take up to 10 business days from today! Why? I again was also grilled about living in this apartment, my social security info and place of residence. I feel completely violated and want this issue to be resolved asap! This is completely unfair and Im being treated as if this is my debt and I know what is going with it. I have never heard from these people ever! Also am being asked to provide documentation that I do not have!!! Its ridiculous. I am ok with policy and procedures, but I feel that its taking way to long to fix the issue and also being probed about something I have no clue about.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently migrated to the United States and my social security card and number was just issued to me in XX/XX/2020 and I have had series of accounts and inquiries that keeping popping up on my report. I have not been able to properly achieve any of my financial goals because my identity has been stolen and information on my credit report is inaccurate and includes inquiries and accounts that does not belong to me. 

The following inquiries mentioned are fraudulent, I am not in the market for a car, never was and never will be because I already have a car. Whoever is using my information I need these recent inquiries to be blocked and removed. 

List of inquiries XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am requesting that the following inquiries to be removed immediately from my credit report. I am seeking further legal advice in addition to working with a police investigator to locate the individual ( s ) who is responsible for using my personal information without my permission or authorization. I have tried to work with the credit reporting agency as well as the credit grantor to have these removed from my credit report. If I am unsuccessful with this attempt, I will be forced to file a suit in federal court naming your credit reporting agency, the above creditor, collection agencies, and the acceptor of this letter as defendants. It is my understanding that per, the Fair Credit Reporting Act, this request must be given attention and completed within 30 days of your receipt. Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On numerous occasions, I have complained about the following accounts that repeatedly show up on my credit report that are inaccurate and were never verified according to the FCRA guidelines 623,611 please remove the following inaccurate accounts : XXXX XXXX XXXX AND XXXX XXXX. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed are not deleted according to the FCRA guidelines 623,611.
Product: Debt collection

my identity was stolen i want this to be remove from credit report thank you Open Type -- Responsibility Individual Remarks Placed for collection Original Creditor Name XXXX XXXX XXXX CHECK DISPUTE STATUS Creditor Information CREDIT PROTECTION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

A fraudulent account was set up in my name by a company named XXXX ( I've never heard of or applied for anything from this company ). I contacted this company three months ago to make them aware of the issue. In turn, they stated they closed the account. Two months later, a 30 day past due alert was posted on my credit reports for Equifax, XXXX, and XXXX. I immediately contacted XXXX again to make them aware of the errors. They researched the account and notified me, through email, this account is fraudulent and the account is closed and they will report it to the credit bureaus. Three days ago, I received a notification that the accounts are over 61 days past due. This has brought down my credit scores substantially and is preventing me from refinancing a property I own. I feel as though XXXX is not taking the steps they claimed they are taking and therefore putting my credit profile at risk. 

Your assistance in the matter is greatly appreciated! 

Thanks, XXXX XXXX
Product: Debt collection

I, XXXX XXXX, am submitting this complaint for myself and there is no third party included. I have just got off the phone with a representative named XXXX at Experian. I have disputed a fraudulent account with Experian and they have stated that the creditor verified the account. Section 603 ( 2 ) ( A ) ( i ) states a report containing information as to transactions between a consumer and the person making the report is to be excluded from my consumer report. Therefore since the creditor is the person making the report I am demanding that the account be removed.
Product: Mortgage

We contacted the bank and gave them the following information : There was {$4500.00} charge that we put on a credit card for a rate lock at the end of   XX/XX/XXXX that  was not shown as a fee paid on the debit side of the closing statement. We understand we were credited for it, however if this is added to the debit side the remaining amount of  the Capital con tribution to HOA fees would have been reduced to {$1100.00} and our due from buyer amount reduced to {$220000.00}. Total debits should equal {$14000.00} vs. the {$10000.00} noted on the closing statement and the credit amount would show at {$15000.00}.   I will anticipate your reconcilement and answer to my question re : why the {$4500.00} is not shown on the settlement statement ASAP, and why the closing estimate YOU ( EverBank  ) pr ovided us that we had to sign states Cash to Close from Borrower {$210000.00} vs what is on the   XXXX   XXXX    XXXX  Statement of {$220000.00}.  <P/> We contacted the Bank in an attempt to reconcile this prior to closing our loan on  XX/XX/XXXX . We did not receive a response from the loan officer, rather an email receipt that the email was not read, however, we did hear from his boss, and we were told yes, he agreed, this issue has come up before and was resolved in the buyer 's favor, however, the accounting department of the bank said that this is just " how they do things '', and it was not resolved. We believe we overpaid due from buyer {$4500.00}.  <P/> Please note : this i s one of many, many problems we encountered with EverBank in their unprofessional, misleading,  and deceptive loan process. Some of the issues were : - Incorrect title on documents that had to be corrected prior to signing - In accurate appraisal with lack of details,  XXXX  square footage left off of overall square footage, and when questioned, we were told " that is the way they do it '', even though the seller and our realtor questioned also - Incorrect evidence of credit card disputes - Misquoted escrow fees that had to be adjusted - Requirement to submit tax returns prior to  XX/XX/XXXX  in order for them to verify or " loan may not close on time '' - Requested information was questioned, they responded " jus do what we say '' - Misquoting regulatory guidance, specifically  Dodd Frank, when the " requirement '' was their policy, not Dodd Frank - Total lack of understanding o f accounting for a small business - Unreasonable ongoing requests from underwriter - numerous, numerous requests when all information provided, on several occasions - Total lack of knowledge of Professional Employment Organizations that small businesses use - EverBank told us that if we put the down payment in their account, they could merely transfer the funds at closing. This was not true. When it came down to it, we still had to wire the funds. Again, deceptive, confusing, uninformed information given to the consumer.  <P/> Shall we file separate claims on each of these items?
Product: Mortgage

In XX/XX/XXXX, I refinanced my mortgage and home equity line of credit that had been held with Sterling National Bank in New York ( formerly Astoria Bank ). The refinance was performed by XXXX XXXX XXXX. Sterling/Astoria sent me a copy of the release for the first mortgage but not the HELOC. Subsequently, the title company handling the sale of my house discovered last Thursday, XX/XX/XXXX, that the XXXX XXXX county deed office did not have a release for the HELOC. The title company has informed me that it needs either a copy of the release or a letter from Sterling/Astoria stating that the HELOC has been paid in full. I have provided the title company with the signed closing disclosure and the title report indicating that XXXX XXXX paid Sterling/Astoria. However, these documents are apparently insufficient. 

I have attempted to contact Sterlings consumer lending department at least 8 times since last Thursday and have been given the runaround. I have been given or transferred to numbers with no answer, left on hold for upwards of 20 minutes with no response, instantly disconnected when I select the option to speak to the operator, or referred to people who can not help me. I have left two voicemails and sent one email with no responses. The XX/XX/XXXX closing on the sale of my home is now in jeopardy. It should be an easy practice for Sterling to issue the release and the bank was required to do so by XX/XX/XXXX. However I can not reach anyone to simply make the request. 

I am asking for Sterling to issue the release or paid in full letter immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/2022 Federal Trade Commission Number : XXXX Re : Unauthorized Credit Inquiries To Whom It May Concern, I recently received a copy of my credit report. The credit report showed multiply credit inquiries by your company that I do not recall authorizing. I understand that you shouldnt be allowed to put an inquiry on my credit file unless I have authorized it. Please have this inquiry removed from my credit file immediately because it is making it very difficult for me to acquire credit. I have sent this letter certified mail because I need your prompt response to this issue. Please be so kind as to forward me documentation that youve had the unauthorized inquiry removed. If you find that I am remiss, and you do have my authorization to inquire into my credit report, then please send me proof of this. Otherwise, please note that I am reserving the right to take civil action if necessary. 

Equifax XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXXXXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/2022 XXXX XX/XX/2022 Thank you, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I never applied for any of these items I called Equifax and told them. I also sent them a dispute along with a police report and they said that they couldn't do anything about them. the fraudulent inquiries are stopping me from obtaining things I need to progress in life for my family
Product: Money transfer, virtual currency, or money service

Bank of America was served a garnishment order from a judge by a Sheriff 's deputy in XX/XX/XXXX. They failed to obey the order of Warrant in debt for a civil suit of {$5100.00} at that time and garnish their member XXXX XXXX XXXX accounts with them. Account number XXXX. Case number XXXX through the Commonwealth of Virginia in the XXXX XXXX XXXX XXXX. 
I was told by Bank of America they were not served until XX/XX/XXXX after XXXX XXXX XXXX death on XX/XX/XXXX. I have court documents to prove that is false because they were legally served in XX/XX/XXXX before his death and someone did not do their job at that time and follow through with the court order and now they are trying to cover it up with documents that are miss dated to XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

ON XX/XX/XXXX I WROTE AND SENT A LETTER XXXX  TRANS, AND XXXX TELLING THE TO PLEASE REMOVE OFF OF MY CREDIT REPORT. TO THIS DATE I HAVE NOT RECEIVED ANY INFORMATION. I HAVE TRIED TO REACH OUT TO THEM AND NO ONE HAS BEEN ABLE TPO HELP. ME. I WILL ATTACH ALL THE DOCS THAT I HAVE MADE AND SENT.
Product: Mortgage

I had been overpaying my escrow for over a year, however, recently had my property taxes reduced by 40 % as my XXXX Credit kicked in on XX/XX/2019. As I had an official bill from the XXXX XXXX Tax department stating what my taxes would be for the next three years, I had AmeriHome run an escrow analysis to reduce my payment and release the large surplus of funds in escrow. Their analysis confirmed the overpayment and adjusted my monthly bill accordingly. They also sent me {$1000.00} from my escrow. However, my net escrow balance is still {$1300.00} which is well above the " 2 month escrow cushion '' per law ( https : XXXX ). Law states that " ( 5 ) Cushion. The cushion must be no greater than one-sixth ( 1/6 ) of the estimated total annual disbursements from the escrow account. '' My new monthly escrow payment is {$430.00}. If you multiple that by 2, my net escrow balance at this time should be no more than {$860.00}. I tried calling AmeriHome on XX/XX/XXXX and having them release the remaining surplus, however, they refused to do so.
Product: Mortgage

XX/XX/XXXX someone called and pretended they were XXXX XXXX and said to cancel autopay. I did not call and cancel autopay. This was fraud and Cross Country Mortgage did not address. 

XX/XX/XXXX- Cross Country Mortgage called to say a payment was due. This is because they cancelled autopay without my knowledge, without communication, and without without my consent. 

XXXX at executive resolutions team - customer service issue. Customer service agent did not reinstate biweekly as asked. 
- I paid {$3600.00} and the funds were not applied to my account. The system doesnt know where the funds are that I paid. 

- Confirmation number : XXXX. Payment of mortgage plus principal. 
- Cross Country agent stated they are putting in a case to Locate funds that didnt post. Will bring funds current. 
- Bi weekly will be reinstated - XX/XX/XXXX will pay first week of XXXX payment. XX/XX/XXXX second half. 
- Cross country mortgage to email confirmation. I never received this email. 
- XXXX XXXX customer service agent. 

XX/XX/24 XXXX XXXX put a move funds request in She also put in the bi weekly auto pay in. It will be pending now and no delay to enacting it. 

This never happened. I am now late on a payment because they did not resolve. 

This is my XXXX month having an issue paying cross country mortgage due to their inability to process payments, begin autopay, they cancel autopay, fail to communicate account changes that I have not requested Please look into this company as its committing fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

From XXXX, I filed a dispute with XXXX, XXXX and Transunion about the inaccuracy being reported on my credit report of the account XXXX XXXX XXXX XXXX account number XXXX. There are two different high balances being reported. {$31000.00} on transunion and experian, but {$22000.00} on XXXX. How is this even possible when you're supposed to have the same accurate information reporting according to the FCRA. I have asked numerous times for a response or to be shown that the account is even under investigation and I have not received anything in response from this bureaus in several months.after numerous attempts. So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from these bureaus about this inaccurate account as of today. Thank you
Product: Debt collection

XXXX XXXX XXXX is reporting a collection account that does not belong to me. There was no investigation by the credit reporting agencies to confirm this account. XXXX XXXX XXXX has not furnished any documents proving this account belongs to me.