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

My credit card advertises price protection for eligible purchases. I purchased a pair of sunglasses from XXXX and then found a lower price at a couple different online sites. I submitted a claim for the benefit and was denied because the adjuster said the lower priced ad and the purchased item were not the same. This was because the lower priced ad showed the sunglasses model number but my receipt showed the model name. I called customer service and explained they were indeed the same. Customer service and instructed me what I needed to do to dispute the denial. We mutually discussed what I needed to do that was sufficient to prove the items were the same ( its also quite obvious they are the same ). I followed the instructions and disputed this and showed evidence multiple ways that they were the same item. Additionally, I added another lower priced ad from XXXX that showed the name/model number/model name because if for no other reason, it was another lower priced ad that could substitute for the original lower priced ad.The claim was denied for the same reason and because I was told the protection only extended 60 days. First off, thats false according to the terms and conditions, secondly it hasnt even been 60 days. Customer service says I have no other recourse. 

This is very clearly an attempt to avoid paying a valid claim under an advertised benefit. Not only is it dishonest, it is deceptive and unfair. Had I known Mastercard would act in bad faith then I would never have used the credit card.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this report because today XX/XX/20 I was made aware of an account that is not mine appearing on my credit report. The only reason this account was brought to my attention is because I had my credit ran at a Jewelry store and they told me I had an account in negative standing and after looking at the account myself I quickly realized I never opened this account. The name of the account is XXXX XXXX XXXX XXXX for an amount of {$14000.00}. I did not benefit anything from that account such as money, goods, services nor did I take part in any payments that might or might not have been made towards this accounts. I also do not have any written or verbal contract with that company and I never allowed them to access my credit. I took it upon myself to file a police report in hopes of having this accounts cleared from my name and credit history since I never authorized it to be opened on my behalf.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX and XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions View full complaint
Product: Debt collection

XX/XX/XXXX, XXXX this company has called several times asking for a XXXX XXXX or XXXX XXXX and a XXXX XXXX. I have explained to them multiple times that I do not know that person and to stop calling my number but they refuse to do so.
Product: Credit reporting or other personal consumer reports

1 ) My credit report is reporting an address that does not belong to me. I have never lived at the following residential address, please remove from my credit report. XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ) The following inquiries on my credit report do not belong to me : a ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I recently found that my credit score dropped 125 points on account of an amount of {$670.00} showing as a debt owed to Phoenix Financial Services. I contacted Phoenix Financial Services by phone and was informed that the amount was incurred by me at the XXXX XXXX in Washington state on XX/XX/XXXX. When I requested the original bill I received an email from Phoenix on XX/XX/XXXX, with directions for paying the amount and with an entry showing the amount of {$670.00} owed to XXXX XXXX XXXX XXXX. My address on this document was also recorded incorrectly. I sent Phoenix an email on XX/XX/XXXX, requesting for billing details from the hospital for the amount due. I did not receive any response. I, therefore, followed up with a reminder on XX/XX/XXXX, which also did not elicit any response. I called Phoenix on XX/XX/XXXX but was informed that they could not send me any further details. 

I reached out to the XXXX XXXX in XXXX which asked me to fax the details which I did on XX/XX/XXXX. The billing department of the hospital confirmed to me over phone on XX/XX/XXXX, that I had paid all my bills in full for my treatment at the hospital. I also contacted XXXX XXXX XXXX on XX/XX/XXXX and was informed that all my bills had been paid. I contacted Phoenix again but they insist that I must show proof of payment against an account XXXX. The billing departments at the XXXX XXXX and the XXXX XXXX XXXX do not recognize this account. Phoenix is unable to send me any documentation from the hospital showing details of the amount due, but insist that I must pay the amount.
Product: Debt collection

I received a phone call at XXXX XXXX from an Alltran Financial representative in XX/XX/XXXX while I was XXXX to XXXX. The representative asked for my name, phone number and mailing address. She said, she was trying to collect a debt from XXXX XXXX. I said, I do not remember a loan from XXXX XXXX. She said, you don't remember paying on a loan for a couple of years. I told her I would like verification of the loan but, I would not be leaving XXXX until around mid to late XX/XX/XXXX. I told her to mail the verification to my PO Box and I would get it upon my return. In the meantime ( without sending me notification ) Alltran filed a collection for {$4900.00} with all of the Credit Reporting Agencies ( XXXX, XXXX  and XXXX ). Upon my return from XXXX I received a letter from Alltran stating I owed them {$4900.00}. They did NOT send me verification I indeed was the owner of a previous loan with XXXX XXXX. Now I have an unverified collection action on my Credit Reports.
Product: Checking or savings account

I had a bank account at Citi bank back 2021 and they let someone hack my account and try to deposit {$8000.00} into my account without permission due to a fraudulent XXXX transaction the bank ended up returning the money tot the person who tried to deposit it into my account so now it left me with outstanding balance for {$510000.00} which I have tried to explain to them that I shouldn't owe it cause it's preventing me from opening a new bank account any where
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to buy a jet  ski  for my daughter for the summer, but in order to get it financed my credit had to get pulled. I found a fraudulent bankruptcy and couple of inquiries that are not mine. Please remove these things from my report. ChapterXXXXBankruptcyDismissedXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX, being XXXX years old, I filed for chapter XXXX bankruptcy for the first time in my life, after losing my job with XXXX XXXX in XX/XX/XXXX due to illness, which I was finally approved for Social Security XXXX in XXXX, retroactive back to when I lost my XXXX XXXX XXXX. 
Just prior to losing my job, I bought a new XXXX XXXX XXXX on XX/XX/XXXX, financed by XXXX  XXXX XXXX. I have continued to make my {$550.00} per month payments on time. Since XX/XX/XXXX, XXXX XXXX XXXX removed my online access to my car loan account, and stopped reporting my on time monthly payments to the 3 credit reporting bureaus. I have called XXXX  XXXX XXXX bankruptcy customer support 3-4 times since my chapter XXXX bankruptcy was discharged in XX/XX/XXXX, although my XXXX  was never included in the bankruptcy filing. 
Even though my chapter XXXX was discharged in XX/XX/XXXX, XX/XX/XXXXXXXX XXXX still refuses to reinstate my online loan access, and even more importantly, reporting my monthly on time vehicle loan installment payments. XX/XX/XXXXXXXX XXXX also still has my account misclassified with the credit bureaus, as chapter XXXX and closed.
Product: Mortgage

I am closing on a  XXXX  home in  XXXX , TX with the builder 's approved lender, Prime Lending as the lender.      XXXX   XXXX   17 : I  locked my rate for 60 days.     Given the following closing dates by the builder  XX/XX/XXXX       ( Verbal ),   XX/XX/XXXX ,  XX/XX/XXXX ,  XX/XX/XXXX ,  XX/XX/XXXX . Received an initial closing disclosure for  XX/XX/XXXX .      XXXX    XXXX    17 : M y rate lock expired because the builder still could not complete the home. Was told by the loan  Officer,  that I would have to pay a  1/4 penalty f or the lock expiring and lock at worst case rates. Was told new rate would last till  XXXX   XXXX   17.      Eventually told interest rate would be 4.375  % ( o riginal rate ) even though prevailing rates were 3.875 % - 4.000 %. Provided proof of a loan estimate from another lender at 3.875 % but they would not move on the rate. Also, my float down option went away completely. They eventually offered to pay for the rate lock expiration penalty, and {$880.00}.     Given new closing dates of  XX/XX/XXXX ,  XX/XX/XXXX , and  XX/XX/XXXX  Asked for a new disclosure several times, including via email on  XX/XX/XXXX  ,  XX/XX/XXXX , and  XX/XX/XXXX .       XXXX   XXXX   17 : Re altor asked for the builder 's representative,  XXXX   XXXX , for closing to be moved to  XX/XX/XXXX  or  XX/XX/XXXX  She refused and there are additional issues with home as well. In fact we will be unable to see our {$16000.00} wood floors until 2 days after closing (  XX/XX/XXXX  ) because they are being finished on the day of closing and dry fo r 24 ho urs. When asking to move the closing she also told me I would start accruing a {$200.00} a day penalty starting on  XX/XX/XXXX .     As of  XXXX    XXXX   on  XX/XX/XXXX I have not received the disclosure and my closing is tomorrow,  XX/XX/XXXX at  XXXX    XXXX   at a location  XXXX  miles from my current home.     I have consulted with the realtor and he recommended to file a complaint. It is both his and my understanding that when a rate lock expires, a new disclosure document is required and the 3-day window applies.     I have attached the last closing disclosure that I received.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian : Note : Violation of FCRA 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 1. XXXX  XXXX Account Number XXXX this account was never delinequent/ late ; report all on time payments or remove immediately. ( provide method of verification of balance and all payments )- Experian has neglected to report any payment amount/balance amount history. Several payments over {$500.00} were made to this account that are not being reported accurately. 
-This report is not aligning with the other credit bureau reports, it is illegal to neglect to report on time payments to any consumer account also it is fraudulent to not verify effectively to make sure this information matches the other credit bureaus, this has caused severe distress and financial strain.

- Balance history is missing ; how can Experian report a balance is owed without verifying the balance history amounts since beginning of the account.

2. XXXX XXXX XXXX Account Number XXXX ( actual open date was XXXX not XXXX this is fraud to report this error. ) -Experian Neglected to present what means of investigate processes were taken to verify these accounts accuracies. 
-This account as been re-aged, this account is showing the INCORRECT open date. 
( incorrect account number, how can you verify this account belongs to me if Experian does not report this accurately ) -This acct is being reported fraudulent past statue of limitations and is a FCRA violation by Experian and XXXX XXXX XXXX has reported illegally misinformation by changing the last activity date causing this acct to re-age drastically affecting my credit profile.
Product: Vehicle loan or lease

I ady have two car loans with Navy federal And its have been 2 years I'm not behind are not late on my car note so I'm am trying to trider in on of my cars and they keep Deny me for approval and I'm have some many problems with this truck and my life is in danger with is car and they dont cbout if I'm safe
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently sent a dispute letter to XXXX, Equifax, and XXXX on XX/XX/2021, now it's XX/XX/2021, and I have still not received any investigation results from either Bureau. The reason I'm filing this complaint against them is that Federal Law requires them to respond within 30 days yet they have failed to respond. earlier to comply with these Federal Regulations by credit reporting agencies are investigated by the Federal Trade Commission.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against TransUnion regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX Nature of Complaint : On XX/XX/XXXX, I submitted a dispute to TransUnion disputing a late payment reported by XXXX I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment Submitted On Time : I submitted my payment for XXXX on time, well before the due date. I have attached bank statements and payment confirmations that clearly show the payment was processed before the deadline, yet the payment was incorrectly recorded as late. 
Clerical Error at XXXX : After noticing the error, I contacted XXXX customer service, and they confirmed that the late payment entry was a result of a clerical error on their end. The payment was applied to the wrong account, which delayed its proper processing. I have attached email correspondence from XXXX that acknowledges this mistake. 
Delay in Payment Posting by XXXX : The late payment entry is also a result of a delay in AMEXs payment processing system. Although the payment was made well in advance of the due date, it took several days for XXXX to post the payment to my account. I have attached communication with XXXX customer support, where they confirm the delay in posting the payment was due to their internal processing issues, not my failure to make a timely payment. 

Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, TransUnion has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 
As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being.

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

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

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have accounts on my credit report that don't belong to me. These inaccuracies are negatively affecting my ability to buy a home. 

I also have inaccurate late payments on my report although I never actually paid anything late. My information is all over the place and each credit report agency is reporting completely different information about the same accounts. 

Something isn't right here.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting an account in negative status. I have requested time and time again ( via disputing with XXXX, XXXX and TRANSUNION ) for the credit reporting agencies to conduct an investigation regarding the validity of this debt ( original signed contract, etc. ). However, the credit reporting agencies all claim that the debt is verified, but I have no documentation showing that I signed a contract for this card, or any proof corroborating their claim. Is it possible that the credit reporting agencies will provide me with this information ( if it 's available ) for verification of the debt? XXXX XXXX has not provided anything to me, nor has XXXX, TRANSUNION and XXXX.
Product: Credit reporting or other personal consumer reports

XXXX entered a class action lawsuit in XXXX where they were found to have been practicing predatory loans to consumers based off of demographic. 

They were found guilty of having the hopes that this demographic will default on there loans and were responsible for providing XXXX XXXX in relief to consumers who received a loan from them. My state of Maryland was listed in the lawsuit of being due just cause for the transgressions. 

I received a loan from XXXX in XXXX having no employment and only having income that was no match for the demands of the contract. As they expected the contract went awry and they quickly took the vehicle back and charged off the account. 

I am requesting the deletion of this account as I was definitely a consumer who not only was violated due to the COVID CARES act but also a victim of the class action lawsuit which included my account and it should not be reported across XXXX, Transunion or XXXX. 

Furthermore, I disputed this account and received a simple " verified '' from these bureaus. They did not investigate and observe that the late payment reporting is incorrect, charge off information differs across the bureaus, they didn't consider the CARES ACT for excuses the debt, and they did not consider the class action lawsuit against XXXX. 

According to consumer law, we consumers are due the utmost complete reporting and these bureaus have failed across the board in doing so. I request this reporting with XXXX is removed immediately.
Product: Checking or savings account

Inappropriate probably illegal handling of deposits via Capitalone App. 

Executive Summary, I proceeded to deposit a bank draft to my CapitalOne 360 Checking Acct, Deposit was successful as per their email communication instructing me to destroy the deposited check ( see Attached copy ), after 2 days the credited amount is debited, over the telephone they tell me " Bank refused payment ( of a bank check? ), they mail to me a copy of the check in their files ( see Attached ) that demonstrates a smear in the data transmission of the deposit via XXXX App, they request i resubmit deposit of the same check they instructed me to destroy ( again see Attached ), we continue over the course of 1 month through various escalations, to no avail - final position by a " XXXX '' that informs me they will not credit my checking acct. of the amount deposited for which they themselves sent me an email stating that the deposit was successful instructing me to destroy the check Bottom heavy infrastructure but " middle management '' as well in Customer Service with the arrogance of unchecked decisional power on one side. 
On the other inappropriate handling of deosited funds, amounts inappropriately withheld - for this I believe this body or FDIC should take action independently and above and beyond Capitalone communications with me Specifics : XX/XX/XXXX : deposit of check using latest version of Capitalone XXXX App XX/XX/XXXX : e-mail communication from Capitalone confirming deposit and instructing me to destroy draft ( see Attached ) XX/XX/XXXX : deposit reversed and deposited amount debited, no communication to client XX/XX/XXXX : first interaction with Customer Service, " XXXX '', I ask for copy of deposited bank check intheir files, which they send me by USPS ( see Attached ) XX/XX/XXXX : last interaction with Customer Service, " XXXX '', in which he informs me their decison will not be reversed, furnishing no rationale or explanation Again, above and beyond Capitalone interaction with me on this matter, as prompted by this complaint with your Office, I request this body to proceed with a formal assessment of CapitalOne actions in this matter, that amount to inappropriate appropriation of funds following problems with their software I thank you in advance for your interest in this matter Please do note that the 2 Attachments mentioned in the text above, in spite of being of accepted formats and sizes as per your instructions, do not upload to your site - do feel free to contact me as appropriate should you need any further info or the Attachements themselves - Capitalone obviously has them and i requested them to maintain these records Sincerely XXXX XXXX, XXXX, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Im sending this Complaint to inform you that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureaus are required to remove any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumerthat the information is not information relating to any transaction by the consumer. The items listed below were not mine : XXXXXXXX XXXX XXXX, XXXX, XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX 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, CA XXXX, XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX, CA XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance {$3800.00}, XXXX XXXX XXXX XXXX  XXXX Balance {$270.00},