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

Several months ago I received a pre-qualified credit card offer from Capital One. It stated that the majority of people who receive the offer do qualify for the credit card. It stated that my income had to be {$850.00} over my mortgage amount. And it represented my credit report would not receive notice. I completed it, as required. Sometime after that, I received what apparently is supposed to be an adverse action notice ( Exhibit A ). Capital One had denied my application, however their notice was completely lacking in all the important matters required by law. 
Adverse action notices are designed to help consumers by providing transparency to the credit underwriting process and protection against potential credit discrimination by requiring creditors to explain the reasons adverse action was taken. Any valuable information to be useful to the consumer was omitted in Capital Ones notice. No reason was given and I was not provided the statutory information identifying the credit reporting agency. 
I quickly wrote to Capital One to ask for information about their denial ( Exhibit B ). I addressed my income, and such that was sufficient, determined I had been discriminated because of my age. After that, I never heard anything from Capital One. 
On XXXX XXXX, XXXX, again I found myself chasing after information. My letter of that date ( Exhibit C ) details my confusion about the treatment I was receiving. Since it was clear they were questioning my income, I forwarded copies of my XXXX XXXX XXXX. I pointed out the number of laws they continue to break. I never even received an acknowledgment for sending the tax return. 
I have spent a significant amount of time just calling to find out what Capital One is doing. When you call, they ask for your social security number. Once I dial it in the key pad, my experience has been they keep you on hold generally about 45 minutes hoping you will give up and they wont have to bother with you. 
When I called on XXXX XXXX, XXXX, I was fed up. No one should be treated this way, and no one should make the decision they have a right to treat you in such a manner. I called and spoke to XXXX ( Employee No. XXXX ). He didnt know anything about my application. When I told him I was tired of watching them break all the consumer protection laws at my expense, I advised I was going to file a complaint with CFPB. He told me to stay by the phone ; XXXX was going to call me, XXXX did call, but it was just foolishness to cover up the fact that I believe they denied me again. She told me my secured credit card was approved, but of course, that is not what the application was for. I did note, notwithstanding that fact that they represented my credit report would not have any record of the application, my credit report showed a hard hit inquiry from Capital One on XXXX XXXX, XXXX XXXX ExhibitD ). Then yesterday, I received a notice from XXXX showing another hard hit inquiry by Capital One dated XXXX XXXX, XXXX ( EXHIBIT E ). 
This was all one single application. It is against the law for them to file two hard hits for one application.
Product: Credit card or prepaid card

This is an ongoing issue with my Lowes consumer credit card. Due to numerous bugs, their system is spotty and oftentimes does n't recognize my username, but at other times it does. As a result, I was consistently getting flagged as " being late ''. To Lowes 's credit, they did refund me all my late payments except for my last one. Their reason for refusal is their claim that they ca n't process multiple late fee reversals. In addition, my previous payment on XX/XX/XXXX was well over the payment minimum ( {$100.00} vs {$35.00} ), which should have covered this month anyway. Their website actually has more than one location where payment can be made, but only one is the correct one, making it needlessly confusing. Once on the page, the system is incorrectly telling me that my usernames of " XXXX '' and " XXXX '' is invalid. I even tried several others, to no avail, even though it had previously worked. To make my final payment, I had to call into their automated phone system, which again was spotty, and unable to take my routing number as I typed it in, forcing me to waste over 15 minutes just to make my payment.
Product: Debt collection

I have no acknowledgments of this account I never owned an account with Huntington bank my information was stolen and I had gotten a block I eve there was a XXXX XXXX  account was open I dont have knowledge of this account
Product: Money transfer, virtual currency, or money service

I originally filed a claim with Wells Fargo on XX/XX/21 to report a case of fraud/scam and blackmail. 

In this case, which happened on the evening of XX/XX/21, the perpetrator obtained what could be deemed as defamatory material and threatened to use that information as leverage against me and to send other things to employers and family unless I were to pay a certain amount. They made me use XXXX to transfer the funds. I wanted to transfer to leave the immediate situation so that I would have time to file a report with the authorities. I have submitted a report of the situation to the FBI 's XXXX branch for Internet-related crimes. I will attach those documents with some sensitive material removed for privacy 's sake. 

After taking proper steps to alert the authorities, I went to Wells Fargo to hopefully get the transaction reversed, however, I received a very vague statement which seems the claim to refund or reverse the {$500.00} ( one {$200.00} and one {$300.00} ) transfer was denied. I received two forms in the mail stating that Wells Fargo was looking into the matter, dated XX/XX/21, and two follow-up forms dated XX/XX/21. Those are attached for reference as well.
Product: Mortgage

I hired XXXX XXXX XXXX in XX/XX/XXXX to help with a Modification. This firm took XXXX upfront without completing the modification and leaving my home in foreclosure. I contacted XXXX XXXX XXXX XXXX and they help me. The mortgage relief program paid Phh mortgage and got the house out of foreclosure. I applied again for a Mortgage modification with Phh in XX/XX/XXXX. Since then, Phh is continuously not reviewing the papers I upload to the XXXX and sending letters that my application expired. I am constantly calling asking what they need and promptly uploading the documents. Now, I have been having difficult being XXXX XXXX XXXX  and my job not paying me for the days I am out. I fell behind one payment for XX/XX/XXXX. Phh put me in a forbearance plan again. I called them and stated I did not wanted to be because I was afraid I would loose my home. They are not listening and they say is better to save my home while they are working on reviewing my Modification Application. I do not understand what repercussions a forbearance plan can have and it will be very difficult for me to pay almost XXXX dlls in XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX  {$26000.00} XX/XX/year> My information may have been impacted by the XXXX Data Breach and XXXX Data Breach may have got into the hands of the wrong person 15 U.S. Code 1681 - Congressional findings and statement of purpose ( a ) ACCURACY AND FAIRNESS OF CREDIT REPORTING The Congress makes the following findings : ( 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 ( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, creditstanding, credit capacity, character, and general reputation of consumers. 
( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. 
( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy 15 U.S. Code 1666b - Timing of payments ( a ) TIME TO MAKE PAYMENTS A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 davs before the nament due Under The Doctrine of Estoppel by silence, XXXX XXXX XXXX ( XXXX  ) XXXX XXXX XXXX XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in facts exists
Product: Vehicle loan or lease

Attempted to trade in my 2010 XXXX XXXX XXXX that is financed through Exeter Finance. I have had consistent payments throughout my contract. When the dealership ran my credit, on my credit report it said Exeter finance 90 days past due and it said my car was up for repossession. Even on the website for Exeter finance it shows I made payments and I have been consistent with 20 payments since Ive had this car.
Product: Checking or savings account

I received notification that my account was being restricted because a transfer was denied from a deposit I had requested. I had over {$1000.00} at that time. The transfer the triggered the ( absolutely unnecessary restriction which they have done previously for unnecessary reasons ) was for {$1000.00} as a deposit to SoFi. I also made transfers to fund this savings account that went through just fine even though they placed FIVE day holds on these transfers although they have received transfers at my bequest to fund my account successfully many times before. 
Altogether there was nearly $ XXXX in this account by the XXXX ( not including the transfer that did not work ) and over $ XXXX on the XXXX when a scheduled payment of my XXXX credit card came through on the XXXX. Importantly, in my communication with SoFi, I explicitly stated they were to honor my payments- at least with the money that was already there for quite some time. 

Importantly, I received an email on XX/XX/year> that the restriction had been resolved ; however, I received an email on the XXXX that they had denied payment of my XXXX card for $ XXXX. This bank is incredibly inept. Absolutely no one in this bank knows what is going on or what is happening or why it is happening. Each time that this happens, the customer ( myself ) must speak to numerous customer service representatives who do not know anything. 

I received a return fee from XXXX for {$29.00}. SoFi needs to pay this amount OR I have provided them an address for XXXX that they can send a letter explaining what they did with my account and their inappropriate refusal to honor the payment requested. I want this done STAT. I am disgusted with this bank. I asked them for this today after - about providing the letter - after they refused to pay the {$29.00} last week. They are totally responsible for this mess. 

As to why that one deposit did not work? Apparently, SoFi bank refused that other banks PLAID connectionmeaning that I can send money from my SoFi account but because they refused the method of connecting they will not send money to SoFi. Every single problem begins with SoFis ineptness. Furthermore, when any other bank has something go wrong, they contact you. They reverse it. Whatever. They do not freeze your account and hold YOUR MONEY hostage and then provide representatives who are clueless in resolving the issue for days on end. I urge anyone to not bank with these people. There are banks who provide better interest and MUCH BETTER service. They disrespect you, repeatedly.

The address for this letter which MUST be on SoFi letterhead is XXXX XXXX XXXX XXXX XXXX XXXX SD XXXX This request and address is also in the emails that I have attached to this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

failure to MOV, in accordance to FCRA 611 [ 15 U.S.C. 1681i ] and FCRA 609 [ 15 U.S.C. 1681e ], within the time set forth by law on my disputed Items.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm worrieda about my credit report, I tried to fix it with the bureaus, but they did nothing. I want my problem resolve urgently. I sent 5 letters to XXXX, Transunion and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Equifax on Friday XX/XX/18. I explained to a woman there that XXXX Credit Union showed that Equifax has not properly reported payment history on my account since XX/XX/2018. Equifax is to report monthly. Founders show that I have successfully made all my vehicle payments on time. The problem now is that I was applying for credit at XXXX Credit Union during the week of XX/XX/2018. My credit check showed that Equifax has not reported my credit history for XXXX since XX/XX/2018. There is also no updated reporting for XXXX from Equifax. I would like this issue resolved asap. I also called Equifax on Monday XX/XX/18 and was told by worker, XXXX, she did not see a reporting issue. I informed her that there was a problem, if not to please send XXXX a report saying otherwise. I have restored my credit to decent status over the years. I do not want anyone to anything to adversely affect my credit. I need this matter resolved asap. XXXX representative can be contacted at XXXX. He was the one that was checking my credit with my permission. I hope those involved will seriously handle my credit as if it were theirs. Please correct this. Thanks,
Product: Payday loan, title loan, personal loan, or advance loan

I owe almost {$6000.00} and they are charging me {$700.00} to {$800.00} a month in interest and fees
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX Balance : {$4600.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$3200.00} ; XXXX XXXX  XX/XX/XXXX.
Product: Payday loan, title loan, or personal loan

Last XXXX I consolidated all my loans with XXXX XXXX. I also changed my checking account because of a fraudulent charge. During the consolidation I the agent asked me about a $ XXXX  monthly payment with Lending Club. I went into my Lending Club online account, I had a previous loan with them that XXXX XXXX paid off, and found no open loans. I believe this charge is 'phantom debt ' and I want it removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I hereby file a complaint about a data breach from Lopez, et al. v. San Andreas Regional Center Case No. 21-cv-386748 Superior Court of California XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX have all refused to provide a credit report online because it was my child under 13 was involved in the data breach. 

I am filing a complaint since there is no monitoring or protection of credit score or credit history for my minor child.
Product: Credit reporting, credit repair services, or other personal consumer reports

Old inquires on account, wrong names, old addresses.
Product: Credit card

Capital One credit card is reporting a negative and fraudulent account on my credit files and they have been doing so for years now. I have sent them police reports and dispute letters numerous times and they refuse to resolve this issue. They replied bakc last week after years of no replies and said they verified he account and confirmed my address and the accounts Belongs to me from their records. I disagree. I continually disagree and this is identity theft and fraud and I had mail theft as well and that would account for all of this. I have sent all the info merino to capital one now on multiple occasions and they refuse to assist and handle this matter. They have broken credit card rules and regulations numerous times by disregarding my disputes, not replying wihtinthw allowable time frame, harassing me with phone calls and letters as well as having attorneys and collections call me numerous times. They have not handled his urgent matter and it needs or be properly handled. This account and balance thus are reporting and saying belongs to me does n't. I have done very thing in my power to get assiatnce with this and I 'm beggin. You to please get this removed from my credit file as this does n't belong to me I paid on this account at first thinking it was my debt until researching and understand in fact it is not mine. Capital one has threatened me and lied numerous times and has caused me nothing but upset and hardship for an account that does n't belong to me
Product: Debt collection

After a XXXX XXXX issue and had it resolved we had a medical bills from XXXX XXXXXXXX XXXX  that went unnoticed because we thought insurance was still paying it. Before we knew it the account was closed and sent to collections in XX/XX/XXXX. XXXX XXXX XXXX XXXX, they helped us out by reducing the owed amount from XXXX to just XXXX to settle it on XXXXThis was in paid in full that day by a credit card. The bill was paid and on with life we went. 
In XXXX of XXXX we get this call and a notice from Medical Data Systems another collection agency that was trying to collect on this account again for the exact amount that was written off {$300.00}. We were XXXX founded and disputed the validity of the collection and sent them all the current paper work we had. They continued to call until the end of XX/XX/XXXX. We got an alert on my credit report that they dinged my credit for the collection. I called them and Medical Data Systems wouldn't give me any proof of the debt or how they got the collection. All they claimed is that it was from XXXX XXXX. I called XXXX XXXX and they said that's impossible, and that the account was closed and sent to collections in XX/XX/XXXX. There was not another collection sent out on that account or wouldn't be because the account was closed. We are fighting with XXXX to have it removed from my credit and they will not do anything about the negative report. It dropped my credit score from a XXXX to a XXXX and we have been trying to consolidate our debt because i was laid off last year because of COVID-19 for 3 months and we lived off credit cards. We can not qualify for the consolidation because of this negative report. Medical Data Systems has not been able to provide proof of the debt and basically has fraudulently claimed the debt to be owed. I know how Medical Data Systems works and have extensively researched the com plaints about this company and its tactics to get people to pay the debt, by using strategies like we will remove the negative report if you pay the collections that is not even valid. I know i am not the only one that is being held XXXX with this issue by this company and its illegal collection tactics.
Product: Vehicle loan or lease

I am formally disputing the XXXX to settle this loan. Despite this, Ally Servicing continues to charge unlawful deferment fees and late charges. My concerns are : Every single time i call to have this resolved i get hung up on or transfered to Like XXXX different people, And as of XX/XX/year> i was told there was a hold on my account due to bankruptcy that i didnt ask for.If adding up my payments up till the accident. 

this is the number Original Loan : {$26000.00} Total Paid by Me : {$20000.00} ( principal ) + {$11000.00} ( interest ) = {$31000.00} Insurance Payout : {$17000.00} ( principal ) Total Principal Covered : {$37000.00} ( you + insurance ) Allys Unjust Charges : - Excess Principal : {$10000.00} ( {$37000.00} - {$26000.00} ) - Unpaid Late Fees : {$1800.00} - Deferment Fees : $ XXXX ( estimated ) How after having the car from XXXX did XXXX not pay off the rest of my far for a 72 month loan. 
How is that for 3 months My statement shows its been paid off but Still racking up Late fees?
Product: Credit reporting, credit repair services, or other personal consumer reports

CREDIT ACCEPTANCE knew that I wouldn't be able to make the payments for the car loan. The loan wasn't explained to me. I feel like this company validated my consumer rights. 
The car broke down within the first month. I reached out to the car lot for assistance and I was turned away. 

Overview You have 100 % left to pay on this loan. 

Balance {$23000.00} Highest Balance $ XXXX  Monthly payment No Info Opened XXXX XXXX XXXX ( 6 yrs, 8 mos ) Term 60 months CREDIT ACCEPTANCE CO XXXXXXXX XXXX XXXX XXXX XXXXXXXX, MI XXXX
Product: Credit reporting or other personal consumer reports

My wallet was stolen during a company party. I advised authorities that my wallet along with some of my personal information was stolen in XX/XX/XXXX. I recently retrieved a copy of my credit profile and public records and realized there were several addresses linked to my name. I have a very common name. I've contacted the credit bureaus ( TRANSUNION, XXXX, AND XXXX ) XX/XX/XXXX via phone and by mail to ask them to remove the fraudulent addressed from my profile. After attempting to access a line of credit, delinquent accounts are being attached to my credit profile. I am unsure if this a result of my items being stolen or with me having a very common name. I not only requested verification but also an update to my credit profile and nothing has been rectified. These addresses and accounts being linked to my name is affecting my ability obtain credit and also in violation of 15 USC 1681. No information should be furnished to my profile without my permission along with the result of identity fraud. Is
Product: Credit reporting, credit repair services, or other personal consumer reports

I was checking my credit report and I saw that my credit score is low. I don't understand why you put this information on my account. I believe that someone used my personal information