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

I have had this card for almost 1 year now ( well beyond the 8 - 12 weeks timeframe past the initial 3 months bonus timeframe ), so any promotional bonus spending reviews should have been done and finished. 

But my membership account is still frozen and under review, as I can not transfer the points as advertised. 

Please make it so I can use my membership rewards points immidiately - at almost the one year mark of my having the card, the review for any promotional bonus offers should be done and complete.
Product: Debt collection

My name is XXXX XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. 

I believe I am a victim of identity theft. Due to the Pandemic, we have been facing a lot of problems in terms of financial, emotional, and physical aspects. Also, I have been hearing a lot of recent news that the XXXX Bureau is having data and system issues. I disputed the fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I have done many attempts to reach out to the XXXX Credit Bureau but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Below is the erroneous account reporting on my Credit Report : 1, AMERICAN CAPITAL ENT XXXX Balance {$68.00}
Product: Checking or savings account

On XX/XX/year>, my partner endorsed his financial aid check to me so I could cash it for him. I deposited the properly signed and endorsed check into my account, but CitiBank rejected it and initiated an investigation against me. When I called for clarification, they asked me to bring the third party ( my partner ) to a branch with proper identification. We complied on XX/XX/XXXX, but CitiBank informed us that my account would be closed and froze access to my funds. 

They then told my partner to have the school reissue the check, claiming the original one was no good. However, the school stated that the check had already been cashed and could not issue a new one. Meanwhile, the bank continues to hold the funds, refusing to allow me to access the money or letting my partner get a replacement check, as it is marked as cashed in their system. In short, CitiBank is sitting on money that doesnt belong to them, leaving us stuck without a resolution.
Product: Mortgage

I had an foreclosure on my property in 2012 I was told if I move out on the house that they would pay my moving expenses. I went too court too let them know I'm moving. When I was ready to move they didn't pay me the money they promised.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a retired  XXXX XXXX in XXXX, California. Due to a medical condition and physical limitations, I am unable to work and my only source of income is my monthly pension. 
In XXXX of XXXX, a series of unfortunate events caused me to fall behind on some of my financial obligations. I was considering bankruptcy but came across a debt resolution company online, Americor, which seemed like a better option. After a high pressure sales pitch by their representative, XXXX XXXX, I signed up and gave Americor power of attorney to negotiate my debts. 
Unfortunately, my credit scores still plunged and it was difficult to make the expensive payments to Americor but I held on and trusted they would help me resolve and payoff my debts. Part of the agreement was a 25 % fee on settled accounts, which made me hesitant to sign up at first, but XXXX XXXX reassured me that it would be worth it in the long run. I was also promised a loan at 35 % interest after one year of payments to payoff any outstanding settlements. However, that loan never materialized and only offered recently in XX/XX/XXXX when I expressed displeasure with Americor 's activities. I was denied that loan. 
What did materialize was an accumulation of fees, more than equal to the amounts that were going to pay off outstanding settled debts. In XX/XX/XXXX, I offered to deposit a lump sum of {$3500.00} to speed up payoffs of my open settled accounts. However, Americor aggressively insisted that the money be used as leverage to negotiate two larger outstanding accounts instead that were in pre-negotiation stages. I later found out why they chose this route, which was to continue to charge me the monthly settlement fees for Americor 's benefit, not mine. 
I finally had enough with this company in XX/XX/XXXX and stopped all future payments to them. I demanded a detailed accounting records and any documentation to assist me to contact any outstanding accounts to resume payments directly to them or pay them off. I paid off all outstanding accounts except for two larger balance accounts, which ironically, I was able to easily negotiate a reasonable resolution without Americor 's assistance.

After recently reviewing the accounting records of my Americor account, and to my dismay, I realized I had paid over 77 % fees, not the contracted 25 %! This angered me even more and prompt me to file this complaint with the California DFPI and with the CFPB for Americor 's unfair and unethical financial practices.

I gave Americor an opportunity to resolve this before I filed this complaint but to date, they have not responded. 
I have lots of documents to upload for your review related to this matter. Thank you for your attention and assistance in this matter. Please feel free to contact me anytime if you have any questions.
Product: Credit card

I disputed a charge with budget rental car i rented XXXX XXXX XXXX XXXX  for our vacation to florida through capitol one, due to a cockroach infestation in the van on my florida vacation. Capitol one claimed to have investigated the dispute. Budget claimed to give me a clean safe car. In the dispute. I point out all of the emails back and forth stating how sorry they were for not only the cock roach infestation but the bad wiper blades that left us stranded untill rain stopped. Pointed out how a partial refund was issued admitting guilt. Capitol one said i would have to find a similar vendor who would agree that a cockroach infestation in a rent van is breach of service./contract. No company will do this as it opens them up for suit. XXXX XXXX XXXX refused to investigate it. I pointed out that the emails and their statements were conterdictory and constitute pejury. I was damaged XXXX of lost money and time. Capitol one refused to allow me to add suplemetary evidence to support my case. They gave no proof the car was clean. Capitol one
Product: Credit card or prepaid card

1.-Capital Bank made mistake by their software system processing a payment that was rejected however, the payment to the card was made to have the balance available and make an online purchase. 

Purchase was approved and inicial payment failed, as a result " overdraft credit limit '' When I found it out, I immediately called to report what happened, they verified what happened, and after a while they have closed and canceled my two credit cards. 

I appealed the decision, without success. 

Then I went through hard times like everyone else and I had a lot of mess in my payments. 

When I got my unemployment insurance payment because of pandemic, I made payments but then the minimum payment was impossible for me to pay, even today. 

I have called more than once a month looking for some kind of program or relief. But apparently my account has a red flag because the representatives changed their tone of voice once they entered the detail of my account. I explained that the pandemic affected me with lack of employment and XXXX due to XXXX. 

Empathy and affordable options, that's all I ask
Product: Mortgage

Loan agreement signed XX/XX/XXXX with BMO Harris. Loan details in 'transfer of rights in property ' references two tax IDs included in the sale. 

BMO Harris paid 1st installment on XX/XX/XXXX for one property tax ID, amount {$890.00} BMO HAS NOT PAID 1ST INSTALLMENT FOR THE OTHER TAX ID LISTED IN SALE, due on XX/XX/XXXX. 

I have emailed BMO copies of both property tax bills : emailed copies on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 

I have called BMO on the following dates, each time detailing that I have two property tax IDs listed in my loan agreement and they have only paid for the 1st installment for one of these and the other one is due XX/XX/XXXX. 
XX/XX/XXXX : work order was put in and expedited. 
XX/XX/XXXX : person I spoke to didnt see any work order listed on my account XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX : called 4 times. Was told that this would he resolved by the due date of XX/XX/XXXX XX/XX/XXXX : called 5 times. Was told this would be resolved by the XX/XX/XXXX. 
XX/XX/XXXX : was told that issue was not resolved, call by the end of the week. 
XX/XX/XXXX : told that issue is not resolved. Transferred to supervisor. Was told that someone would call me within two business days. Was told that if there are late fees, they would pay them. It would not count as anything negative towards me. Still no answer about my account
Product: Debt collection

Called to collect on a debt from 2006 that I have no remembrence on for a credit card from XXXX XXXX XXXX Bank which according to the internet is no longer in business. Offered to do a XXXX settlement if I paid today for {$500.00} odd dollards instead of over {$1500.00}. When I asked for validation documents they said they would send and then hung up on me. I called them back to get the name of the company calling, etc - it sounded something like XXXX or Unifen- and the representative refused to spell the name when I asked for clarification. They asked me to confirm the last XXXX digits of my social which they had and I refused. When I kept pressing and calling back, representatives would hang up on me or put me on hold and never come back on the line. They could tell who I was by my phone number on their caller ID so they also had that on file as well as my birth date. The number they called from was XXXX and said it was case XXXX. I have been getting at least one call a week for the last year from companies trying to collect on debts that are no longer valid. I am constantly monitoring my credit report and this particular company indicated they would remove this debt from my credit report but it does not show.
Product: Credit reporting or other personal consumer reports

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, l'Il take legal action against you.
Product: Credit card or prepaid card

I had a secured card with capital one that was closed. They said they issued a refund and I have yet to receive it. I am owed {$120.00}
Product: Mortgage

Wells Fargo are guilty of a BAIT & SWITCH program, causing my family substantial stress and harm. 
Wells Fargo promised to cancel our unfair and wrongful late charges of {$5000.00} if we paid our two months past due amount. During this process this Bank encouraged us to sell our home to become current. At no time did Wells Fargo put a date certain on when to complete this by, nor give us any notice or warning about such a. 
Consequently we began the project of catching up and selling our home, by working hard to make it saleable. It takes a while to do this work and get a house sold. 
We have now sold the home, will pay the past due amounts, BUT NOW WELLS FARGO ARE REFUSING TO REMOVE THE LATE CHARGES AS THEY PROMISED..During the process Wells Fargo took almost ten to twelve weeks to answer each separate enquiry we made about the ongoing process, at least three times. They were close to impossible to reach the person even they advise to call. Once in 9 months did l manage to speak to the person noted by the Bank to telephone. Wells Fargo delays amounted to bout four months in the last nine months. 
Now we have SOLD OUR HOME based on their promise to remove the unfair late charges, BUT NOW WE GET FROM WELLS FARGO THEIR BAIT AND SWITCH TACTIC.
Product: Payday loan, title loan, personal loan, or advance loan

The lady at the western shamrock in XXXX XXXX Oklahoma says because I have not paid my first missed payment. That she has no other choice to send me to collection 's. That she is going to come to where I stay. That she or someone else is going to go where I work. I do not work. I am XXXX. I do not have to tell her what I spend my money on I have bills I have to pay. I told her that I can make the payment when the loan place opens again on Monday. I do not have enough money to make a payment. I told her I can pay Monday. She told me because I already got paid that I could have made a payment.
Product: Payday loan, title loan, or personal loan

I answered a phone call that said spam likely today and it was a collection agency saying that a company was going to sue me and garnish my wages. I asked what company and they said it was a Payday company that I borrowed money from XX/XX/2013 called Castle payday. I recall borrowing money and paying it back to this company 1 time with no issues the second time they took more money back then was agreed upon so I canceled the bank account if I remember correctly. I was XXXX on XXXX at the time and still am and was never notified. They have an address on file that I moved out of 9 years ago. They told me they would settle for {$160.00} today by XXXX XXXX. and I wouldn't hear anything from them again. I find this all funny and don't trust it because I believe I paid back this company in Access and they said that they sent a letter asking for {$500.00} and they could settle out of court. I feel like this is a scam because I have no proof or evidence of anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital One issued a card to me, account no.XXXX.The card was subsequently stolen without any personal use by me.The thief used the card to about XXXX dollars.I was unaware of the theft or use until the payments were about 120 days late. 
I spoke to two different reps at Capital one, the first one in XXXX, the second one in English.Both reps said the same thing ... that the card would be closed for fraud..I wouldn't have to pay anything and another card would be reissued.This was not done, I was never re-issued a card, the balance on the credit report shows XXXX, yet the late payments show completely destroying my perfect credit as the only negative on my 3 bureau reports. 
Capital one has harmed me financially far worse than the XXXX dollars stolen from them. 
I have to rely on my wife 's good credit to function.I have recently made CFPB COMPLAINTS TO THE THREE BUREAUS:XXXX XXXX XXXX XXXX ... ..all three bureaus said the creditor verified my credit information as correct.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX CAINE WEINER ( Original Creditor : XXXX XXXX  ) XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Product: Credit reporting or other personal consumer reports

XXXX XXXX reporting XXXX late payments on my credit file I also file a complaint with the CFPB. REMOVE ASAP AND DELETE THIS. REMOVE FROM XXXX XXXX.
Product: Credit reporting or other personal consumer reports

Upon checking my credit report, I discovered multiple billing errors. The late payments shown do not reflect my regular payment history.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 I XXXX XXXX went to XXXX XXXX XXXX XXXX at XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX. Asked auto dealership multiple times will this be a soft inquiry to get information on options potentially for a car in the future. The representative for this dealership on multiple occasions stated that it will not do a hard inquiry on my credit score. I never authorized any hard inquiries for a credit check nor signed any documents to allow this to happen. The moment this inquiry, which was suppose to be a soft one on my credit report to see my options, was applied. My credit application notified me that there were 4 hard inquiries pulled on my credit report which dropped my XXXX credit score 11 points. I never authorized this nor, signed anything to authorize these hard inquires. I am in the market of purchasing a home and this greatly effects my chances of achieving my goal of purchasing a home that I wish to do as soon as possible. Therefore I am requesting the following Hard inquires to be removed immediately from my credit report : 1. XXXX XXXX XXXX ( Auto financing ) inquiry from XX/XX/2018 2. VerosCredit.Llc ( Auto Financing ) inquiry from XX/XX/2018 3. XXXX ( Miscellaneous Reptg. Agencies ) inquiry from XX/XX/2018 4. XXXX XXXX XXXX   ( Auto financing ) inquiry from XX/XX/2018
Product: Credit reporting or other personal consumer reports

XX/XX/year> I WAS TO OPEN AN ACCOUNT WITH CHARLES SCHWAB, CHECKING ACCOUNT. THEY SAID TO GET A TEMPORARY SECURITY LIFT FROM XXXX. 
XXXX THE LIFT WAS ACTIVE AND THEY DECLINED MY APPLICATION. 

CHARLES CLAIMS XXXX GAVE THEM DEROGATORY INFORMATION ABOUT ME ULTIMATELY DISREGARDING ME. 

WHO GAVE XXXX PERMISSION TO SPEAK TO XXXX XXXX I DIDNT, I PURPOSELY LOCKED EVERY REPORTING AGENCY FOR THIS REASON. 

WHO GAVE XXXX PERMISSION TO RESPOND TO CHARLES OR FOR MY NAME? I DIDNT I EVEN CALLED THEM AND REGISTERED WITH THEIR SITE TO SEE EXACTLY WHAT IS ON MY ACCOUNT. 

CAN YOU BELIEVE THEY REPORT ABSOLUTELY NOTHING ON MY ESSENCE. I HAD TO INPUT ALL MY INFORMATION. THE REPRESENTATIVE ON THE PHONE CONFIRMED THERE IS NOTHING TO REPORT. 
WHY DID XXXX STEAL MY IDENTY AND REPORT INACCURATELY ON MY BEHALF. THEY TOLD CHARLES SCWAB HENIOUS INFOMATION THAT IS UNVERIABLE WHICH IS AGAINST THE LAW! FCRA TO BE EXACT WHY DID XXXX FABRICATE SUCH INFORMATION THAT THEY HAD NO PERMISSION TO SHARE? 

I ALLOWED XXXX, AND ONLY XXXX TO TALK TO XXXX ON MY BEHALF. 
WHY DID CHARLES GO TO XXXX IF THERE WAS NOTHING OF NEGATIVE VALUE THERE WHY NOT JUST OPEN THE CHECKING ACCOUNT? 
I WANT A FOIA REQUEST STATING YOUR PROCEDURES IN OPENING AN ACCOUNT. 
I WANT TO SEE WHY DID YOU GO THE EXTRA MILE TO GET ANY INFORMATION ON MY NAME WEATHER IT WAS FABRICATED OR NOT? 
IM EMBARSSED, I COULD NOT EVEN OPEN A TRUST CHECKING ACCOUNT TO HANDLE MY OFFSPRINGS AFFAIRS. 

CHARLES WHAT WAS THE REASON TO DENY ME? ACCORDING TO THE LAW THERE IS NO REASON TO DENY ME ESPECIALLY SINCE IM THE SURETY FOR THE ACCOUNT AND YOU ALREADY HAVE MY PERSONAL INFOMATION.

THIS SHALL SERVE AS NOTICE, I WAS VIOLATED AND NEITHER COMPANY WANTS TO TAKE THE BLAME BUT BOTH BENEFIT OFF MY NAME.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Equifax has not properly investigated the following issues on my credit report. Any claim to have investigated the issues is false since the creditors have attempted no contact with me resulting from said investigations ( initiated XX/XX/XXXX ). Please see items below ACCOUNTS XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX INQUIRIES XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX JUDGEMENT XXXXXX/XX/XXXX XXXX XXXX XXXX. XXXX CH-XXXX XXXX XXXX XXXX XX/XX/XXXX JUDGEMENT COLLECTIONS XXXX XXXX  XXXX XX/XX/XXXX PAID XXXX XX/XX/XXXX {$95.00}
Product: Debt collection

Im a XXXX! I never got anything in my name. They doing collections fees on a phone from XXXX
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"