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

Dear CapitalOne Tech Support, I have not been receiving any account status emails such as statements, alerts, and notices for all 3 of my CapitalOne accounts since XX/XX/2020. I often verify the email is in fact working and receiving from other sources, yet it is not working for CapitalOne for some reason. Before fixing the issue, it is important that you first verify it is not working. I will give you access to my email to help you debug and resolve the issue on your end, for it does receive emails from other sources. I will work around your schedule and assist you in every way possible. Please call me at the cell number listed in my account. 

Thank you very much XXXX XXXX Accounts ending in : XXXX, XXXX, XXXX
Product: Credit reporting or other personal consumer reports

I recently noticed a various number of fraudulent derogatory collections and addresses on my credit report today. Addresses are : XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX and XXXX XXXX XXXX XXXX XXXX, NV XXXX and XXXX XXXX XXXX, XXXX, NV XXXX.
Product: Credit reporting or other personal consumer reports

i sent a dispute to Experian going over some personal information that isnt mine they have yet to respond to the matter and removed this information that is not mine.
Product: Checking or savings account

My checking account through Bank of America was hacked. Bank of America stole XXXX from my account and sent those funds too someone XXXX Bank account. The hacker used my name got into my account and initiated the transfer and Bank of america is so dumb they can't understand and hackers are fooling the bank. Under article 4a banks are responsible to get the money back into my account and they failed to do so because this is a scam or hack whatever way you want to word it. Bottom line my bank account through bank of america was hacked and I've lost XXXX from my bank account and Bank of America has refused to put the funds back in my account and refused to stop the transaction.
Product: Debt collection

Key 2 recovery inc. sent my account to collections. I have not received any notice via mail or phone regarding the balance. When I have reached out to them they fail to return my calls or emails. 

They reported my account to XXXX  however they made no attempt to contact me to settle the matter. The account is 6 years old.
Product: Credit card or prepaid card

I called after the merchandise was not received, they filed a dispute and never gave me a disclosure or any follow up. They refuse to let me talk to anyone in their dispute department and tell me I should have filed with PayPal instead of synchrony bank.
Product: Debt collection

I am filing this identity theft report in response to the derogatory remarks that ELAN FINANCIAL SERVICE and the credit reporting agencies are placing. I have been a victim of identity theft because I have never been associated with ELAN FINANCIAL SERVICE. However, ELAN FINANCIAL SERVICE is reporting a fraudulent account to the credit reporting agencies with a balance of {$720.00}. Immediately after I noticed this account, I contacted ELAN FINANCIAL SERVICE. I got the credit reporting agencies and informed them to place a fraud alert on my credit report and the creditor to remove my information from their database because I am not their customer. They should not have or share my information. The mentioned account was opened without my consent and authorization. It was opened without my knowledge, and I do not even know when the account was opened. Therefore, I filed this report with the CFPB to request that they get involved so that ELAN FINANCIAL SERVICE can remove the fraudulent and derogatory remarks they report on my credit report.
Product: Credit reporting or other personal consumer reports

After I forwarded a copy of the FTC report, it became apparent that XXXX credit bureaus are not obstructing records. I'm sending this complaint to help with the legal response because it's required under FCRA regulation 605b. I will provide over my archives to my lawyer so that they can start a legal action if you choose not to impede the associated items listed below that are providing incorrect answers due to fraud. As it is not my intention to pursue any lawful activity, please abide by the law if it is not too difficult. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NY XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX  XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX  XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Account was sold to another company and the amount of the loan is incorrect, the information is not accurate. The information should be reporting 100 percent accurate between all bureaus. Please look at the proof that I uploaded, I am respectfully requesting a deletion of this account.
Product: Credit card

Chase Sapphire XXXX XXXX provides an annual {$50.00} statement credit annually for hotels purchased through Chase XXXX. The following travel was booked with Chase XXXX and Chase has not posted any credit as outlined in the cardmember services agreement to the customers account. 

The following hotel stays were purchased through Chase 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've called Chase dozens of times, opened cases to resolve, and only received a non-sensical form letter that did not address the issue months later, and, was even promised that the credit was verified & was being processed, and the credit never posted. Any attempt to escalate to a knowledgeable, engaged representative was met with a proposal only to open yet another case # to resolve. I have closed out the account given the lack of credibility from the customer service department and their inability to meet the advertised card benefits on the Chase Sapphire XXXX card. I am asking Chase Sapphire cardmember services to reimbursement a total {$100.00} which has been overdue for years.
Product: Credit reporting or other personal consumer reports

I want to sign up for experian but I cant because they are still allowing the fraudulent perpetrator to use my information to have an account with them. I have tried over and over to call an experian agent and after so many failed attempts I finally got in touch with a representative and Ive tried to explain the fraudulent situation and they said they could help by closing the fraudulent experian account so that I could rightfully sign up for myself and view my experian information/credit report. However they did not do that at all, I STILL have NO ACCESS & NO way to login / sign up for experian to see MY EXPERIAN INFORMATION/CREDIT REPORT because they are still allowing the fraud to use MY information and have access to whats supposed to be MY EXPERIAN ACCOUNT. Therefore, With that being said Im am enforcing my rights under the ( FCRA ) 1. 15 U.S.C. 1681c-2 Block of Fraudulent Information, 2. 15 U.S.C. 1681e ( b ) Duty to Maintain Accurate Information.
Product: Credit card or prepaid card

We made a reservation through XXXX we used their special offers where they guarantee that 2 adults will sleep comfortably. We followed the instructions to make the reservation in which we never had the option to ask for more beds or request a bigger room. We kept following the prompts to continue the reservation hoping that we would be allowed to enter the number of adults on the trip, but this never happened. When we finished making the reservation we called the hotel & XXXX within minutes to confirm that we would be able to have 4 adults on this room, however, we were told by the hotel that they could not accommodate 4 people and when we called XXXX they shut us down right away with no options given. This purchase was done XX/XX/XXXX or XX/XX/XXXX. XXXX didn't want to work with us or accommodate us at all. I attached a letter with more detailed information in regards to this transaction. 
That same day I called my credit card company Citi cards and I was told that as soon as the transaction posted to the account I will be able to dispute it and cancel it. That information was misleading ... they provided me with a temporary credit, but at the end they stood up by XXXX and charged me back the total amount of this purchase. I am now writing because I have disputed the charge with Citibank, but they have sided with XXXX because their terms state that the XXXX XXXX reservations through XXXX are non-refundable. It was our XXXX vacation and we went ahead and booked with a different company because citibank assured us that the purchase with XXXX will be refunded, that didn't happened.
Product: Money transfer, virtual currency, or money service

I had invested a total of XXXX USD with Coinbase. Everything was good until about a month ago when I had some problems with my laptop. Among other information, I lost the authenticator app and the secret key for my account. That meant that I would have to be reauthorized by Coinbase.

So, I entered my username and password. Then I entered my cell number and they sent me a verification code. After I entered the code, I was prompted to either show an ID to my webcam or upload an ID. I chose to upload pictures of the front and back of my driver license. Then I was prompted to use my webcam to take a picture of myself. I did this and within about a minute or so, it came back with unable to verify.

I sent an email to Coinbase support which stated this problem. What transpired after this can be understood in a series of email replies back and forth, which I will include with this complaint. The bottom line is that at this point I almost feel as if I have lost the money I invested, because they now have been unresponsive.
Product: Credit reporting

Experian has refused to remove a debt in which I requested the extremely old account to be removed. I have no payment history as I never made any payments so any history there would be fraudulent reporting on the creditors part. I know the organization can not produce any payment transactions because there are none. So to falsely report is illegal. Neither is the account attached to another account. I am within guidelines to have the extremely old debt from 2005 removed and ask that Experian please remove it immediately. It has been 11 years. The debt is XXXX XXXX open date 2005 account number XXXX.
Product: Credit reporting

After originally complaint was filed, more information was requested. It was faxed 6 times and every time we called they said they did not get it. I received my credit report in mail dated XX/XX/2016 ( Equifax Confirmation # XXXX ) and it is now WORSE THAN EVER!! My name has been completely removed from my own credit report. It has been change to someone and I do n't know who by the name of XXXX XXXX XXXX, XXXX. The Date of Birth is not mine. My address is XXXX XXXX XXXX address. THIS IS SO WRONG!!!!! I call to talk to people and NO one knows what is going on. I have submitted my SS card and my DL to confirm my identity, which is XXXX XXXX XXXX, XXXX. But they still say I am XXXX XXXX XXXX. HELP HELP HELP!!! HELP!!!!! I have no idea who this person is!!!! My health can not keep this going!!! I need someone to contact whoXXXX can fix this and fix it NOW!!
Product: Credit reporting or other personal consumer reports

Umpqua Bank is reporting an account with a XXXX balance sent to collections but there is no such account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX reported an credit inquiry from XX/XX/2016. That is false and should be removed from my credit reports.
Product: Credit reporting or other personal consumer reports

I just reviewed my credit report and i've noticed these inquiries on my report that were never authorized by me and they are on my profile. This should be resolved immediately as it is affecting me and my life.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion got me messed up. I filed a copmplaint back on XX/XX/22 and they have not fixed the issue yet. There are hard unquiries on my file that were not authorized by me and an Identity Theft report has been filed which they ignored. My previous complaint was XXXX. They responded with a opt-out extended date reply which had nothing to do with why I contacted them. They are past the 30 day limit and keep just sending any response so the CFPB will close the account. According to Federal law the time frame has been passewd and the inquires need to be removed from my credit file. Hard inquires from INQUIRIES FROM - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX that are on my credit file that I did not authorize. I have filed an Identity Theft Report. REMOVE IMMEDIATELY OR LITIGATION WILL BEGIN.
Product: Credit reporting or other personal consumer reports

Experian is currently being sued by CFPB due to Sham investigations of credit reporting errors.

Experian repeatedly violated my rights and violated the FCRA on purpose. I submitted multiple disputes to remove inaccurate accounts. The recent dispute is on XXXX XXXX XXXX  and I received results less than XXXX hours later that they were completed, False. I sent my drivers license and social security card to confirm that their should only be one address on my credit file. My experian credit report still shows multiple false addresses that do not belong to me. Specifically Experian did not do a complete investigation and Specifically Experian violated the codes and laws below Experian violated : California Code 1785.26 : requires the creditor to notify the consumer before the creditor reports negative information to the credit reporting agency.

-15 USC 1681s-2 : Negligence in ensuring the furnishes of information comply with their obligations -15 USC 1681e ( b ) : Failure maintain the accuracy of my credit report -15 USC 1681i ( 5 ) : Failure to properly reinvestigate disputes and remove inaccurate information My XXXX XXXX remains inaccurate. This has continued to negatively increased financial hardship, negative impact of employment opportunities and it has impacted my ability to get housing, financial loans, and no access to credit cards.
Product: Mortgage

I was contacted by this company concerning a refinance loan I was told that I had excellent credit and was approved for a manufactured home loan This started towards the end of XXXX or begging of XXXX My credit was checked and I was told that everything looked very good and told that I was approved We exchanged alot of information and was told all ok After months I was asked to get my property appraised at my cost which was XXXX dollars I got it done and it was appraised higher than loan do XXXX XXXX told me everything was great XXXX  XXXX is the loan consultant Then everything went silent I called XXXX and he told me that they could not complete the loan due to them not being able to get the other Financial company to release the title I feel that they should reimburse the XXXX dollars back to me
Product: Credit reporting, credit repair services, or other personal consumer reports

my credit profile has been used illegally multiple times and the listed accounts are not mine. would you please remove these accounts from my profile.
Product: Credit reporting or other personal consumer reports

My car was stolen and my purse and wallet was taken with my social security card
Product: Credit reporting or other personal consumer reports

I received an email saying that I have some hard inquiries that I don't recognize
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax STILL has refused to mail me my FREE annual report. Thank you.
Product: Credit card or prepaid card

My account was closed due to inactivity and I was never late with payments and now they are saying the credit limit is the debt i have to pay. I tried to get Victoria secret to release my account and they wouldnt. They told me I had to pay first then open up a new account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed a company called Apple Card was reporting a negative remark on my credit report. Enclosed I am submitting pictures of the letter I sent them certified mail requesting validation of the debt. I mailed this letter out XX/XX/XXXX certified mail. Today is XX/XX/XXXX. I feel they have had more than enough time to complete an investigation which they have not. They are reporting to the 3 credit agencies different and inaccurate information to each one without even providing me with validation of the debt. Enclosed you will also find a picture of my credit report from XX/XX/XXXX which was more than 30 days after they received my letter to correct their records and validate the debt with the company Apple Card still reporting different information to 3 credit reporting agencies without validation of the debt.
Product: Vehicle loan or lease

The lease maturity is XX/XX/XXXX, last payment was due XX/XX/XXXX. I obtained a payoff on XX/XX/XXXX for {$33000.00} good through XX/XX/XXXX. The vehicle was sold and the lease was paid off on XX/XX/XXXX. However between the date of the original payoff quote on XX/XX/XXXX and the actual payoff date of XX/XX/XXXX, XXXX XXXX changed the payoff amount to {$33000.00} with a good through date of XX/XX/XXXX. They claimed the next month 's rent charge had been assessed to the account. When I called to request a refund since 1. the payoff was received well before the good through date of XX/XX/XXXX and 2. before the monthly payment was due they refused to refund me the overage. 

It seems like unfair and deceptive practices that XXXX XXXX XXXX won't honor a payoff quote with a good through date. They know exactly when they access the rent charge so a payoff quote should have a good through date that is before the rent charge is assessed to account for this additional charge, not after. Additionally, a payoff received the month before the rental of that vehicle occurs should not include that charge.
Product: Debt collection

The bank froze my account with only exempt income in it. They froze over and above even the judgement,
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, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX XXXXXXXX, # XXXX XXXXXXXX, # XXXX XXXXXXXX, # XXXX XXXX  # XXXX XXXX, # XXXX XXXXXXXX, # XXXX XXXXXXXX, # 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 an account without my written instructions
Product: Debt collection

I have written 2 dispute letters to The Bureaus, dated XX/XX/XXXX, and XX/XX/XXXX. They have never responded to either of my letters. Under the Fair Credit Reporting Act 15 USC 1681s-2 ( a ) ( 1 ) ( B ) & ( a ) ( 2 ) ( B ) a data furnishers compliance is required. Pursuant to 15 U.S.C. 1681I ( 5 ) ( A ), they have thirty ( 30 ) days from receipt of a letter to respond to a request for verification of the erroneous items. The thirty ( 30 ) days has now expired, twice. Therefore, it must be that the information on my report was either inaccurate, or it could not be verified. In either case, according to the provisions of 15 U.S.C. Section 1681i ( a ), the items must be deleted immediately. Pursuant to 15 U.SC. 1681i ( d ) of the Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX  XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX
Product: Credit reporting or other personal consumer reports

My identity was compromised and I have unauthorized credit inquiries on my profile