23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent a letter regarding inaccurate and unknown items on my credit report. To this date, 90 days later, I have not received a response yet. I feel like my disputes are being neglected and taken advantage of. Failure to investigate these items within 30 days gives a reason to immediately remove these items from my credit report. It has been over 90 days and I am demanding these accounts are deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2018 my identity was stolen. As soon as I realized what happened, I reported it to XXXX XXXX  XXXX. I am also XXXX and was wrongfully terminated in XXXX and have not worked since then. I attempted on several occasions to request reasonable payment terms based on the fact that my identity was stolen and that I am XXXX. They also received a formal Charge of Discrimination in my name and my daughters who is a XXXX XXXX survivor. I escalated the issues to the Executive Leadership, Ms. XXXX XXXX, team on more than one occasion. All I asked was for them to waive any late fees and penalties and to provide me with a payment plan. I even reported everything to their security and fraud department because my credit cards ( separate complaint ) had fraudulent charges. I received a letter that I somehow benefited from the fraudulent charges when I have a permanent restraining order and police reports and me and my family have been threatened with bodily harm. I made several verbal Cease and Desist requests verbally and hired an attorney to send a written one. XXXX XXXX informed me that in order for the Cease and Desist to be honored, they would have to be subpoenaed. This is contrary to the laws in Florida. She also send me an official document to complete that indicated I did not originate the loan. I never said I didn't originate the loan and refused to complete the documentation. Instead of providing these accommodations, XXXX  XXXX XXXX hired an attorney, XXXX XXXX, to harass me even further. I requested from them to provide reasonable payment terms. They refused and when I told them that their client engaged in predatory and discriminatory behavior, they responded that my charges were based on " unspecified laws ''. I have been contacted by XXXX XXXXXXXX XXXX at least 30 times via email ( online statements ), US mail, certified mail, etc. and by their attorneys at least a dozen. XXXX  XXXX XXXX has reported me as delinquent to the credit reporting agencies and ruined my credit. Recently, I received a fraud alert on a closed account and called the number and was immediately transferred to a collection department. I am now in not only a situation of severe financial hardship but recently learned that I am XXXX XXXX  and XXXX XXXX XXXX for another year.
Product: Credit reporting, credit repair services, or other personal consumer reports

My wife and I were victims of identity theft in 2017. We then froze our credit and placed a fraud alert on our credit. Now my wife and I are applying for a mortgage but after talking to all 3 credit bureaus they have assured us that all freezes and fraud alerts are off but only XXXX  did what they said. Experian cleared my wifes but not mine. XXXX  assured us that they took them off both but today we tried to get reports again and were not able too.
Product: Credit card or prepaid card

i applied for and was preapproved for {$1000.00} on XX/XX/18. after verifying my identify by way facial recognition, providing my state issued commercial drivers license and my bank statement, i was APPROVED and UNDERWRITTEN for {$1000.00} credit limit. On XX/XX/2018, i received the welcome email stating my card is on its way. Today. XX/XX/2018, i received a random email stating my account has been closed due to conflicting information, but the email never stated what was conflicting nor did the creditor ever give me a call to speak about this. 

I replied to their email but have yet to receive a response.
Product: Checking or savings account

Capital one 360 checking XXXX XXXX XXXX checking Both accounts were closed without notice XXXX XXXX account was closed, after 20 hours on the phone and I personal guarantee I would get my funds of approximately {$4000.00} XXXX the next business day. 
I did not receive .I called again and I was rudely hung up on. I asked a representative if the conversation was taped I was informed that it was I informed the representative I will wait as long as it takes for her to review the the tape recording. 
The representative returned after approximately 40 minutes on the phone and knowledge that the check was supposed to be sent out. Using terminology there was a " mishap '' the explanation was that it was in transit therefore they couldn't cancel it and couldn't issue me another check after the first one was sent to the wrong address. the second I was extremely clear and requested confirmation of the correct address. I was informed that it was there was another mishap and it was mailed to the wrong address once again. 
I finally received the check made out to my business name. 
Since it was made out to my business name I could not cash the check I ended up spending {$450.00} at a check cashing place to cash a check those approximately {$4000.00}. 
took over a month-and-a-half which constituent in closing of two Capital One accounts business and savings was XXXX and Capital One Additionally because I was not able to receive my funds to pay on my credit cards with Capital One. 
I simply requested they transfer the monies from my checking account to pay off credit cards I was informed that's against company policy in essence Capital One checking could not make a payment Capital One credit cards same account, everything was combined 7 accounts in total Capital One closed all 5 credit cards continuing to charge me in outrageous fees and penalties for checks and payments being returned from Capital One checking same company the close the account that was holding my money and didn't have access to it. I repeatedly asked to speak to a supervisor I was never given the opportunity and was hung up on on numerous occasions. 
The practices of Capital One banking and credit card services are absolutely horrific especially due to the fact that I was recovering from two car accidents ( not at fault ) by drunk undocumented uninsured unlicensed XXXX XXXX which rendered me XXXX and consequently losing my business of over 28 years. 
Not only do I request all monies due to me .I requesting sanctions and an investigation to the extremely unethical and illegal business practices of Capital One credit cards Capital One 360 checking account and Sparks business and checking account I firmly believe that a class action lawsuit should be filed against the practices of Capital One and all Affiliates associated with a company
Product: Mortgage

Borrower applied for a loan modification but was denied. The explanation for denial was borrower 's income was insufficient. After receiving the written denial explanation we determined the income was calculated incorrectly. Chase will not open another review after our appeal.
Product: Credit reporting or other personal consumer reports

Hello Today is XX/XX/23 and this IS NOT A DUPLICATE. This is a complaint regarding XXXX XXXX and their reporting on my TransUnion credit report as there is yet another inaccurate reporting that has cause me hardship. I submitted a complaint before to no avail and now I am asking the CFPB to step and and hold XXXX XXXX accountable for their failure to accurately report information on a consumers report per 15 USC 1681a XXXX This is the second time my score has decreased by more than XXXX points. This is not only causing me stress but the inaccuracies are affecting my dealings in commerce. Lastly its my understanding that XXXX XXXX XXXX has an arbitration agreement and that agreement was not followed during the closing of the accounts. Lastly I XXXX XXXX am technically an investor with XXXX XXXX  as I am that my application, transactions, and other deposits of this account was being utilized with benefit to me the beneficiary XXXX XXXX : XXXX
Product: Bank account or service

On XXXX XXXX 2016, I stepped into a Bank of America branch to make a deposit. I was alerted by the teller to contact Bank of America customer service ASAP as there was a flag for suspicious activity. I completed my deposit and returned to work in the same area as the branch I visited, XXXX, CA. My phone and wallet had previously been stolen. BoA was aware of this. I contacted Bank of America and discovered that, at the same time I was making a deposit, my card was being used in XXXX, CA over XXXX miles from where I was making a deposit. Bank of America refuses to honor my claim even when presented with this evidence. I have supplied the bank with a police report and supporting details and after XXXX evaluations, BoA will not issue a credit to me and has closed my account.
Product: Student loan

I took out a private loan in 2005 for what I thought was a reasonable interest rate of 7.68 % standard variable not fully understanding how it compounded at the time. The original amount was 15,000 and the outstanding balance as of today is XXXX. Over the time span of 8 years I have made over 12,000 dollars in payments and the balance has done nothing but gone up. I could pay off a home mortgage quicker than this. The school at the time was XXXX University XXXX however I took the loan out through a XXXX bank private student loan who has since then sold the loan off numerous times.
Product: Mortgage

I overnighted my flood insurance check to XXXX XXXX " XXXX '' along with a binder of receipts from contractors for labor and materials from hardware stores. Two weeks later, I called the XXXX XXXX to be told by the person assigned to my account, XXXX, that I needed canceled check proof of payment to the contractors in addition to their signed " paid '' invoices. Had I not called, when were they going to tell me this? 
I asked about the cash payments we had made to which she replied that the signed invoices had to say " Paid by cash '' and dated. Notwithstanding the failed logic of why a signed invoice is acceptable in one circumstance but not another, I emailed them the cancel check images to " XXXX '' on XXXX XXXX. Today, XXXX, I got an email telling me that they were sending out a check for {$19000.00} ( only for the materials ) out of over {$100000.00} of receipts and that my return XXXX label was unusable. I had spoken to XXXX ' XXXX XXXX last week about the XXXX  label which she claims was not usable because it had Cardinal on the 'From ' address. I generated the label from my corporate account and XXXX confirmed that I had generated it correctly yet XXXX told XXXX this morning not to use it in spite of my proof to the contrary ( sent web captures by email ). I mention this incident as an example of their capricious manner of their handling my reimbursement. The cancelled check proof I sent last week? XXXX just uploaded it to my account this morning and told me that it will take 72 " hours '' to have it reviewed. Their language is measured as if they say " hours '' it will seem less than the 9 DAYS she said it will take. Why will it take 9 days to match a paid invoice with a cancelled check? 
I have maxed out my credit cards and available cash to clean out my house, dry it out and start rebuilding. I need to be reimbursed what I have spent so I can continue with the rebuilding but Cardinal refuses to disburse the funds, even the 1/3rd that they initially told me was customary is not going to be disbursed. I need help to have them be more responsive. Having a natural disaster is one thing but being prevented from rebuilding because of a mortgage company lack of service is shameful.
Product: Debt collection

Original creditor is previous landlord ( XXXX XXXX XXXX in XXXX, TX/XXXX XXXX XXXX in XXXX, TX ) - has charged us for excessive/fraudulent move out fees ( Deceptive Trade Practice ). We have disputed several times. Account was forwarded to collections agency ResidentCollect. Again, disputed and requested validation via Certified mail within 30 days. ResidentCollect reported to all credit bureaus on 30th day before legally validating per FDCPA laws.
Product: Mortgage

the mortagage company paid back taxes and then doubled our mortgage payment. being current on property taxes is required by this mortgage company but was not when we took out the original loan from another mortgage company.
Product: Payday loan, title loan, or personal loan

I received an email from cashnetusa regarding a payday loan that I was supposedly approved for on XX/XX/2019. I never applied for this loan nor did I approve any money to be sent to my checking account. The {$250.00} was deposited into my account on XX/XX/XXXX - again, I never requested nor approved any such transaction. 

I emailed the company on XX/XX/XXXX stating that this was a fraudulent and unapproved activity and they told me I had to file a police report before they could do anything. I did not file a report with the police as that does not seem like the right Avenue to take.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been in the process of correcting the wrong and the effects of identity theft on myself for over a year and a half. Because of this, I have been very diligent in reviewing my credit file on a weekly basis. I received an alert from a credit monitoring service that I had new negative account reporting. Sure enough, there was a collection account reporting as XXXX XXXX in the amount of {$1400.00} for XXXX XXXX. I have never had XXXX XXXX and this account is not mine. After further review of my credit file, I also found several inquiries that I did not authorize that were fraudulent as well. I have submitted a complaint to the FTC and have a report of this.The fraudulent inquiries are XXXX XXXX XXXX XXXX twice, XXXX, XXXX, XXXX XXXXXXXX XXXX XXXX XXXX, XXXX, XXXXXXXX, XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX.
Product: Credit reporting or other personal consumer reports

Every year, Equifax either randomly updates my personal information on the file or merges someone else 's credit report with mine, and I have to dispute them every single time. This time around, Equifax updated my date of birth to an incorrect date, and I was asked to provide a driver 's license to prove that the DOB should be updated. I uploaded my driver 's license as requested, but Equifax declined my dispute and kept asking me to upload my driver 's license without providing any explanation. For the last turn, I even uploaded my passport in addition to my driver 's license, and it was still rejected without any reason. So, I ran into a dead end with the wrong DOB on my profile, and theres no way for me to prove that DOB is incorrect. My personal information on the other 2 credit bureaus is correct, and I never ran into issues, but I currently am not able to fix this issue with Equifax.
Product: Credit card or prepaid card

I was sent a Arizona PUA Bank of America Card in the middle of XX/XX/XXXX, the card was never received. I called inquiring why I havent received my card in the beginning of XX/XX/XXXX and found out the card sent was stolen and the funds have been fraudulently used. Upon calling Bank Of America they said the card was just left on my porch when delivered through XXXX. I had a new card sent after filing a claim with the fraud department and upon receiving it I went to go activate it and was told my account has been frozen. This is ridiculous that funds can be fraudulently taken out of my account and when I try to get it resolved they freeze my account.
Product: Debt collection

I am not liable for this depth with XXXX XXXX XXXX. I do not have any account with MARS Inc, the collection agency that is trying to collect on this debt. I have never entered into any contract or done any business with MARS Inc. 
Account # XXXX
Product: Credit reporting or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on 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 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
Product: Debt collection

I am disputing an account with Wells Fargo. I have asked for validation in which the response did not show a contractual agreement bearing my signature. The most recent letter was sent on XX/XX/2023. The account shows inaccuracies with the date opened, credit limit, date last active and the date of last payment. I am requesting for the inaccurate account to be DELETED off my credit report. It is reporting to XXXX and XXXX I initially contacted the credit bureaus that the account was reporting to and since an investigation was to be done Wells Fargo has not deleted or tried to rectify this situation. The account does not belong to me and must be deleted
Product: Credit reporting or other personal consumer reports

XXXX  is reporting status on my account as open, charged off/written off and closed. All at the same time. How?
Product: Debt collection

I was asked to choose XXXX item that best describes my issue however multiple issues could have been selected. The latest one that has me seething is they called my mother in law pretending to be conducting a background check on my company. Asked her if my husband was in fact my husband, asked her how many employees I had and asked for my phone number. Then he called my husband to tell him I had a debit. They have not produced a document proving this debit is mine. I have repeatedly told them I know nothing about this - and to please send me actual documentation and I 'd be happy to pay whatever I actually owe. They call me EVERYDAY. I called them yesterday to make the phone calls stop and this bully named XXXX XXXX said all kinds of crazy nonsense - that if I was a XXXX he 'd be willing to settle this debit right now. Asked me what I did for a living - told me I was rude and uncooperative when I would n't engage in personal conversation. He 's a bully. And a liar.
Product: Debt collection

Due to being a victim of identity theft I have a collection account with Amerfinancial solutions.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX and XXXX XXXX have put two separate debts with a collection agency, thus negatively affecting my credit. 
Neither of these accounts refer to me, I have never lived at the addresses, or indeed in the states referenced. 
I have been unable to contact either company, who seem to be expert at dodging calls. 
I have filed a police report stating XXXX, which I have sent to the credit reporting companies.
Product: Debt collection

Calls my cell, my husband 's cell, and now my job from blocked numbers multiple times per day. Sometimes leaving a voicemail with vague information.
Product: Credit reporting or other personal consumer reports

1 ) REMOVAL OF ALL FRAUDULENT HARD INQUIRES THAT ARE NOT MY INQUIRIES OR ACCOUNTS, ASSOCIATED WITH IDENTITY THEFT AND FRAUD Please remove all non-account holding inquiries 1A. Did not consent to unauthorized inquiry EXPERIAN XXXX CREDIT Date of Inquiry : XX/XX/year> Please Remove It From My Credit Report. 

1B. Did not consent to unauthorized inquiry XXXX XXXX XXXX Date of Inquiry : XX/XX/year> Please Remove It from My Credit Report. 

1C. Did not consent to unauthorized inquiry XXXX XXXX XXXX  Date of Inquiry : XX/XX/year> Please Remove It from My Credit Report.
Product: Credit card or prepaid card

I had a GM Mastercard which had approximately XXXX points attached to it. Capital One took over the card and began changing the rules of how points could be attained and used which I had not agreed to. As of XXXX 2016 they had " adjusted '' my point balance to {$2600.00} and shortly after canceled my card. I recently bought a GM vehicle and tried to use my points as part of the purchase. After several phone calls I am told that Capital One has no record of my account at all and if there was an account, the points went away when the account was closed. These points were worth {$1.00} each and were earned by my purchases. Whatever happened was totally dictated by Capital One with no ability to challenge any of these decisions.
Product: Bank account or service

Capical oNE has.my debit card and receives my social security d eposits. They are always putting restrictions on my account for no good reason. As of now I can not open profile that is my name and address and forms I wish to name my beneficary. 
I call them to lift the restrict ions I get passes to so many different agants. The latest excuse is that I left XXXX and went to XXXX and used a dI fferent wifI on my cell. Phone. They said my access to profile is blocked for several days until operations I XXXX reviews it. Do I have to get permission from Capital one to go somewhere. 
I get the impression that securit has. Nothing to do except block account features. 
They are persecuting account holders and interferING with banking. I assured them no one had access to my account nor my cell phone.
Product: Credit reporting, credit repair services, or other personal consumer reports

You Violated the United States Code Law 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer. After pulling a copy of my Consumer credit report I noticed that Experian is in multiple violations and XXXX entitled to monetary compensation under FCRA 15 U.S. Code 1681s2 - 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer ( Inquires ) - ( 1 ) In general A consumer reporting agency may furnish a consumer report relating to any consumer pursuant to subparagraph ( A ) or ( C ) of subsection ( a ) ( 3 ) in connection with any credit or insurance transaction that is not initiated by the consumer only if ( A ) the consumer authorizes the agency to provide such report to such person or ( B ) ( i ) the transaction consists of a firm offer of credit or insurance. ( 3 ) INFORMATION regarding inquiries Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. Under FCRA 15 U.S. Code 1681n ( b ) ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ( 2 ) such number of punitive damages as the court may allow. I did not initiate any of the inquriy from XXXX XXXX  that is showing XX/XX/XXXX and XX/XX/XXXX, furthermore if you feel like I did please send me copies of my written signature giving consent to this matter please. The items below should all be removed from my consumer report under 15 US Code 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ).