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

I had submitted a complaint on  XXXX   XXXX   XXXX  CFPB  No.  :  XXXX  requesting assistance CapitalOne has not allowed me any options for assistance for hardship relief. I phon ed CapitalOne upo n learning my job was going awa ay ( company closed ).  I continued to make minimum payments. I am now at the point that I can not make the minimum payments and asking for a hardship agreement to lower my monthly payment while I make every a good faith effort to bring account current and begin to pay down on balance. I am only asking fo r a 6-12 month assist a nd to freeze curren t APR a s its spiraling out of control.     Mon  XXXX   XXXX   XXXX  -  Company Rep reached  out to me and left a voice messa ge ( prob ably grateful I did n't answer the phone ) and left a general message about being able to discuss options with me. I phoned her back directly - wit hin 15 minutes o f her call and left a voice message.     Tue  XXXX   XXXX   XXXX  - I left another voice message for this same  CapitalOne R epresentative asking that she phone me back. I have still received no response.   Wed  XXXX   XXXX   XXXX  - I went back online to view cpmplaint at CFPB website. The complaint was closed stating COmpany responded. I found a pdf letter which will probaby be received throu gh US  Mail as well denying any assistance at this time. Never once had I been given a chance to speak about my current situation in person.   Letter attached electronically within complaint : =====================  XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  CA  XXXX   XXXX  : Account ending in  XXXX  Capital  One Ca se :  XXXX  CFPB  No. :   XXXX  Dear  XXXX   XXXX ,  Im rea ching out to you  about your submission to the Consumer Financial Protection Bureau ( C FPB  ), c oncerning a request to lower your Annual Percentage Rate ( APR ).   Based on the information we received from you on  XXXX   XXXX ,  XXXX , and  XXXX   XXXX ,  XXXX , we are unable to offer a lower APR at this time. We feel that our previous response fully addressed your concerns, and our decision has remained unchanged. If theres anything you havent shared with us about this, or if any information has changed, please send it to us and well be happy to take another look.   I have enclosed a copy of our previous response for your records.   If you have questions or concerns, please give me a call at  XXXX ,  Monday-Friday fr om   XXXX   XXXX   XXXX   PT  . When contacting me, please use  XXXX  as the   XXXX digit PI N when prompted. M y  XXXX -digit ex tension is  XXXX . Im glad to help any way I can.     Sincerely,  XXXX   XXXX , on behalf of Capital  One Enclosure cc : Consumer Financial Protection Bureau I have no othe r option but to seek Legal counsel for direction to take. As the saying goes - You ca n't draw blood from a turnip. And I only wanted to provide a reasonable resolve to the current and temporary situation I find my self in. I wo n't be unemployed for much longer as prospects are now flowing in positive direction.
Product: Money transfer, virtual currency, or money service

want the CFPB to publish this description on consumerfinance.gov so that others can learn from my experience. The CFPB will take steps to remove my personal information from this description but someone may still be able to identify me. Learn how it works. I consent to publishing this description after the CFPB has taken these steps. 

Publishing this description will not affect how the CFPB handles your complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 I received an email regarding my dispute has been completed. I then called Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX regarding the dispute. The representative XXXX said the accounts were verified. I am in disagreement with your decision. Ive requested you provide me the information you used to verify and validate these accounts, you have yet to do. By law, you are supposed to provide me with exactly how you verified the items and include the name of the person you spoke with and the telephone number. How can you decide if these accounts are accurate without an original contract with my signature? You have never obtained personal interviews with my neighbors, friends, and associates who may have knowledge concerning these accounts. For that reason, you have FAILED to conduct a proper investigation. You have violated my consumer rights. To my understanding, by Fair Credit Reporting Act 611 ( a ) ( 7 ) The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute. I NEVER received the requested information from you. According to Fair Credit Reporting Act ( FCRA ), everything on my consumer report/ credit profile must be accurate, and verifiable. If after reinvestigation the item information is found inaccurate or incomplete or can not be verified the consumer reporting agency must DELETE the item. According to Section 604 of the Fair Credit Reporting Act Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. XXXX XXXX XXXX Delete this item. It doesnt belong on my credit profileXXXX XXXX XXXX XXXX XXXX  ( Delete this item. It doesnt belong on my credit profile. ) XXXX XXXX XXXXXXXX. XXXX ( Delete this item. It doesnt belong on my credit profile. ) XXXX XXXXXXXX XXXX  XXXX ( Delete this item. It doesnt belong on my credit profile. ) XXXX XXXX XXXX XXXX  ( Delete this item. It doesnt belong on my credit profile. )
Product: Credit reporting, credit repair services, or other personal consumer reports

I just recently reviewed my profile and Im very upset to the result that I have received. The Credit Bureaus failed to properly investigate the matter by and have continued reporting unconfirmed & unverified information. I never received any notice from these companies that my dispute is truly mine or correct. Please remove the items below in my file : 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 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 XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/21 I got an alert that someone had run a hard inquiry on my credit which I never authorized or have an idea of the person this report showed up on my Equifax credit report as XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

**CFPB Complaint** **Date : ** XX/XX/2023 **Complainant : ** **Name : XXXX XXXX XXXX XXXX **Respondent : ** First XXXX XXXX **Allegations : ** Misrepresentation, Non-Disclosure, Consumer Rights Violations, Breach of Contract, and Interference to Benefit from Proceeds **Narrative : ** XXXX XXXXXXXX XXXX has misrepresented the terms of its credit accounts, failed to disclose important information to consumers, violated consumer rights, breached contracts, and interfered with the ability of consumers to benefit from proceeds. 

Specifically, XXXX XXXX has : * Set limits on open-end credit accounts, which is a misrepresentation of the terms of the account. 
* Reported false and misleading credit transactions to reporting agencies. 
* Changed the terms of contracts to benefit itself and interfere with the ability of consumers to benefit from proceeds. 

These deceptive acts have caused significant harm to consumers, including damage to their credit scores, difficulty obtaining new credit, and homelessness. 

I am requesting that XXXX XXXX provide forensic analysis of accounting that is authentic and signed under notary seal by a company official. I am also requesting that XXXX XXXX provide all paperwork, accounting, all files, or any legal documentation representing the account. 

I have requested validation materials from Experian to prove that both Experian and XXXX XXXX have fabricated, defamed, and slandered my creditworthiness. This has caused me hardship and homelessness.
Product: Vehicle loan or lease

In XXXX of XXXX, I decided to refinance my XXXX XXXX XXXX, which was financed by Chase Auto dba XXXX XXXX XXXX, with a new creditor. The new creditor, based in XXXX XXXX, TX, advised on XX/XX/XXXX that they had mailed a payoff check to Chase, who also operates their auto division and receives payoff checks at a XXXX XXXX address ( i.e., USPS transit time should have been one business day ). 

In the final days of XXXX, I noticed that my Chase account was still open for this vehicle, and had not shown any payoffs come through. My regular payment was still showing due on XX/XX/XXXX, which I was counting on not paying due to the refinance ( which had its first due date of XX/XX/XXXX ). I contacted the new creditor several times and they confirmed that they absolutely sent the check on XX/XX/XXXX but it had not yet been deposited by Chase. 

On XX/XX/XXXX, I contacted Chase and asked why they were delaying the payoff. They rebuffed this, stating that they never received any payment from the new creditor, and the agent specifically told me on a recorded line that they " do not delay '' in processing payoffs and that the checks are processed the day that they are received. I asked for a supervisor who echoed the same sentiment and told me that there was nothing in the account history visible to employees that showed any mail being received from the original creditor. 

I contacted the original creditor again, who stopped payment on the original check, and overnighted a brand new one to Chase. However, on XX/XX/XXXX, I received a letter from Chase that stated that the original payoff check that they had apparently attempted to process on XX/XX/XXXX - before my XX/XX/XXXX call to them - had been stopped, and so my successful payoff of the account had been reversed. My online account balance showed that this was later corrected by the second check the new creditor had overnighted, which Chase only processed on XX/XX/XXXX - 10 days after it would have been received via overnight delivery on XX/XX/XXXX. 

The pattern of events shows that Chase XXXX representatives lied about two separate things during my XX/XX/XXXX call with them : One, that they had not received anything from the original creditor, which is now shown to be patently false by their own admission that they had a XX/XX/XXXX payoff check that had been reversed. Two, that they " do not delay '' processing payoffs and process them immediately upon arrival, when in both situations, there appears to be a lead time of 9-10 days ( the XX/XX/XXXX check took until XX/XX/XXXX for Chase to process ; the XX/XX/XXXX check was not processed by Chase until XX/XX/XXXX. Chase continued to mislead and send erroneous notifications by mail, making zero effort to expeditiously make contact with me via phone or e-mail about these events crossing one another, and deliberately lied to me during a due diligence inquiry via phone.
Product: Payday loan, title loan, or personal loan

I recieved a loan from citizen saving and loan in XXXX Tennessee for around {$2000.00} around the year XXXX. I have had unfortunate circumstances throughout paying this loan but in spite of circumstances I always kept in contact with store to let them know when I will make payments or to Request extension. Due to extensions loan is past maturity but in spite of this there is an VERBAL agreement to make a final payment of {$100.00} and the remaining fees would be waived, never being reported late according to district XXXX XXXX XXXX. The XXXX at the store in XXXX Tn XXXX XXXX ) seems to be prejudice and is very very rude and I believe this is a form of retaliation due to my race. I only have {$100.00} to pay this off XXXX of XXXX and never recieved a 30 day late on my credit report in all of this time having this loan Until now towards the end of the loan.
Product: Credit reporting or other personal consumer reports

There are inquiries on my report i do not recognize.
Product: Debt collection

On XX/XX/XXXX my car needed repair so I took it to XXXX XXXX XXXX and they charged me {$2800.00} for repair when car was picked up XX/XX/XXXX. The technician told me I could make payments so in order to pick up car I needed to pay XXXX that would leave a balance of {$2500.00}. I have made payments of {$3200.00}. I got a call today that I still owe {$2800.00} that I was in a lease for my repair bill with XXXX XXXX XXXX and the company that is collecting is Monterey Financial. I was not aware that I was in a lease for a car repair. I thought I was making payments for the repairs and now am being told that I am in a lease and if I do not pay the additional {$2800.00} that legal action would be taken. I have received messages at my work and on my cell phone from this collection company. I would like to have this resolved. I have paid the amount of the repair and do not plan on making any additional payments. I feel like I have been taken advantage of this is a high interest lease that I was not aware of. I did not sign a lease and would like this resolved and closed out. I do not feel that I should need to pay any more than the repairs.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$15000.00}, {$9400.00}, {$8100.00}, {$0.00}, {$0.00}, {$24000.00}, {$12000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$15000.00} -This is not my account. 

2. XXXXXXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9400.00} -This is not my account. 

3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8100.00} -This is not my account. 


-- PERSONAL ACCOUNTS 4. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

5. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

6. XXXX XXXXXXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$24000.00} -This is not my account. 


-- COLLECTION ACCOUNT 7. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$12000.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1300.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT -- 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1300.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

The items I have identified are inaccurate and were not authorized by myself. 

An inquiry that was NOT authorized by me is reporting on my XXXX report on XX/XX/XXXX, from AMEX An inquiry that was NOT authorized by me is reporting on my XXXX report on XX/XX/XXXX, from AMEX An inquiry that was NOT authorized by me is reporting on my XXXX report on XX/XX/XXXX, from AMEX An inquiry that was NOT authorized by me is reporting on my XXXX report on XX/XX/XXXX, from XXXX XXXX
Product: Credit reporting or other personal consumer reports

I need to stress that I never gave permission for these accounts to be opened, and I believe they're the result of fraudulent activities.
Product: Credit reporting, credit repair services, or other personal consumer reports

I told the XXXX, Transunion, and XXXX to reinvestigate these accounts : Account name : XXXX # XXXX, Account name : XXXX # XXXX, Account name : XXXX XXXX BANK # XXXX, Account name : XXXX XXXX  XXXX XXXX XXXX Account name XXXX XXXX # XXXX Account name XXXX XXXX XXXX # XXXX Account name XXXX XXXX XXXX # XXXX Account name XXXX # XXXX, they stated everything was complete and XXXX. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case
Product: Debt collection

Called repeatedly, told them to stop calling they do not have the right number. They some how got my home phone number and call at all hours. I have spoken with them many times to tell them to stop harassing me. I have recorded the phone calls that I have asking them to stop. I have a lot of messages from them. On my house phone and my cell phone. Sometimes they call up to 10 times a day. I will get a lawyer and proceed with legal action if they do not stop harassing me.
Product: Money transfer, virtual currency, or money service

I submitted a purchase of XXXX ETH to Coinbase for {$2000.00} USD on XX/XX/XXXX XXXX. The exchange rate applied at the time of purchase was {$280.00} USD. On XX/XX/XXXX I received an email saying that the order had been cancelled. However, from the time of purchase on XX/XX/XXXX to the time that I was informed my order had been cancelled, the value of ETH increased to {$340.00} USD. Coinbase arbitrarily denied my purchase and costed me hundreds of dollars of potentials ETH gains in the process. I have attached the emails I received from Coinbase as supporting documents.
Product: Payday loan, title loan, or personal loan

This is a XXXX company that offers installment payments for many websites. I recently purchased a XXXX XXXX  ( XXXX ) and used this company for payment. Their website, which I have attached XXXX XXXX XXXX XXXX XXXX says they accept debit cards as payment, but I tried to make a payment with a prepaid debit card and was declined. I reached out to the company to clarify, and they said they don't accept prepaid debit cards, though it doesn't say it on their website. I think it's dishonest not to transparently display this information.
Product: Debt collection

On Monday, XX/XX/2020, I received a call from a number I didn't recognize XXXX XXXX XXXX XXXX. I did not pick up and the message that was left was just music. Soon after, I received a text from my Father in XXXX saying that he received a call from the same number ( XXXX ) XXXX, which was a Company called XXXX XXXX, asking that I call them ASAP at ( XXXX ) XXXX. They gave him a reference number which I've saved, and I called them, thinking I needed to sign for a package that was to be delivered. I gave the reference number and was transferred to the legal department. They mentioned that I had delinquent credit card debt that was owed to Wells Fargo from an account opened 15 years ago, and that they are proceeding with civil action if I don't pay off the debt and settle with them over the phone. He didn't give me an amount owed, and I haven't used Wells Fargo in over 8 years, since moving from XXXX to XXXX. I have great credit, have paid off delinquent debt, included Wells Fargo, and keep track of any current debt. What scared me the most, was that the man that I spoke with had my maiden name, my current address in XXXX, the last 4 digits of my social, and my Dad 's cell number. I didn't give out any personal information to him. He said that they had mailed an initial request for debt collection in XXXX to my current address, but I never received anything. I tried to explain this to him, but he said that if I don't settle with him over the phone, that Wells Fargo would serve me legal papers and take me to court. I got concerned and asked that he send me paper copies of the initial document, and he told me that I wasn't understanding and that they had notified me in XXXX. I began to get mad, and he ended the call with you've been served, and hung up. I'm furious, and need this company reported. Not only did they threaten me, they made me believe that I owe debt that is not owed. I'm scared of identity theft, and want to make sure to report them because I'm sure I'm not the only one that works hard to pay off debt. My personal information does not feel very secure right now. Please please report this company. Thank you!
Product: Mortgage

My loan was paid in full on XX/XX/XXXX. As of today ( XX/XX/XXXX ) I still have not received the balance in my escrow account totaling {$5300.00}. My account shows payment was issued on XX/XX/XXXX, but I still do not have a check. I've contacted the company multiple times and they keep saying to wait a week. It has now been 6 weeks since my loan was paid in full or 28 business days excluding holidays and weekends. The CFPB regulation 12 CFR Part 1024.34 states that escrow funds should be returned within 20 business days.

My new address is on file with the company as I received a final escrow statement from the company at my new address as well as a paid-in-full letter. I'm not sure what the delay is in receiving payment, but the company is now in violation of federal law.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. 
Block and remove it. XXXX - XXXX Inquired on XX/XX/XXXX, XXXX - XXXX Inquired on XX/XX/XXXX, XXXX - XXXX Inquired on XX/XX/XXXX, XXXX - XXXX Inquired on XX/XX/XXXX, XXXX - XXXX Inquired on XX/XX/XXXX, XXXX - XXXX Inquired on XX/XX/XXXX, XXXX  Inquired on XXXX XXXX, XXXX, XXXX Inquired on XX/XX/XXXX, XXXX Inquired on XX/XX/XXXX, XXXX XXXXnquired on XX/XX/XXXX, XXXX Inquired on XX/XX/XXXX, XXXXXXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX Inquired on XX/XX/XXXX, XXXXXXXX XXXX Inquired on XX/XX/XXXX & XXXX XXXX Inquired on XX/XX/XXXX XXXX