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

Good Day, I disputed two transactions with Barclay Mastercard ( both for the same merchant : XXXX XXXX ). One was the amount of {$2500.00} and the other for {$2200.00}. The total amount of {$4700.00} was for 7 nights lodging in a gated community known as XXXX XXXX in the country of XXXX & XXXX. Upon arriving to XXXX on XX/XX/19, we discovered that the place promised by the merchant was not the same place they were trying to give us. The new place was in a different area that we deem unsafe and also did not have the amenities like a pool that we really wanted. We decided not to stay there and got lodging elsewhere. Transaction was disputed with the card company. Card company provided me with the credit for both transactions, however returned the balance of {$2500.00}. Upon speaking to a representative they told me to send a letter to the company explaining that although the terms and condition stated non refundable, it did not state if the place we paid for wasnt available another place would be provided. I did that. After doing so another representative told me to send in proof showing another place was provided. I did that. After doing that they told me that credit could not be returned because of the non refundable notation. I advise that that also stated on the invoice which would be considered a contract was the neighborhood XXXX XXXX and also that we would be provided a 3 bdr, 2.5 bath, with a pool and that was not given so the contract should be void. The remaining {$2200.00} has not been returned to my account at the moment as a balance. I was told it takes 45 days for the dispute to be finaled ( even got sent a letter stating so ) but now they're telling me I have to wait 90 days and im stressed and uneasy about something that happened months ago.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received a copy of my consumer credit report and I noticed some accounts that should not be there : XXXX XXXX XXXX XXXX XXXX TRANSUNION is in clear violation of the law, Under 15 U.S. Code 1681b - Permissible purpose of consumer reports, THE LAW CLEARLY SAYS that any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates. I did not give TRANSUNION written instructions to furnish these accounts on my consumer report. 

And further, TRANSUNION is in violation of 15 U.S. Code 6802 ( b ) ( 1 ) ( A ), ( B ) and ( C ) because three ( 3 ) disclosures were not given to me. The law is as follows : ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 
Before you report my information to a third party TRANSUNION has to give me three disclosures. I have not received three disclosures. Without these disclosures my information should not be in any consumer reporting agencies database. TRANSUNION did not disclose this information to me which is required by law, they knowingly and willfully withheld pertinent information regarding the disclosure of my information to affiliated and non affiliated third parties, and they knowingly and willfully withheld information that explained how I the consumer can exercise that non disclosure option. 

And further, TRANSUNION is not obeying Title V of the Gramm-Leach-Bliley Act making them in breach of their own privacy policy which is printed and is as follows : 5. TransUnions credit database We limit access to TransUnions consumer credit database and make it available to only the following : entities with a permissible purpose to receive it, as defined in the Fair Credit Reporting Act ( FCRA ) ; entities with a permitted use under Title V of the Gramm-Leach-Bliley Act ; companies who resell our data as permitted under law ; and companies who process data on our behalf.
Product: Credit reporting or other personal consumer reports

I am contacting Equifax in regards to the recent response to my CFPB Complaint XXXX XXXXXXXX. Again, Equifax has not properly provided verification of method of verification. A data furnisher is not sufficient to confirm/verify. This is well over the 15 day window allowable according to FCRA. I demand you remove the account XXXX XXXX immediately! This is now a violation of my rights! I am disgruntled and demand Equifax to remove/delete the account reporting to XXXX XXXX as it is in violation with FCRA. Thank you.
Product: Checking or savings account

I had a home mortgage with Wells-Fargo Bank. As part of what they described to me as " convenience, '' they asked me repeatedly to also open a " free '' checking account so that payments to my W-F home mortgage account could be transferred online rather than making payment at a W-F branch. 

I explained to them that I already had both a checking and savings account with XXXX XXXX XXXX. The manager in XXXX branch in XXXX, VA, lobbied me hard to open a W-F checking account every month I stopped by to make my mortgage payment. 

When I paid of my home mortgage loan in XX/XX/2019, I had {$150.00} in the W-F checking account. I asked the manager to close the account and was told they would mail me a check to my home address. 

I never received a check for the balance on the account. To make matters worse, every month thereafter my W-F checking account was charged fee after fee that I'd never been charged for previously. When I called to complain, I was put on hold or transferred to another department. The fees kept piling up. When Covid hit, I couldn't even go to my local W-F branch to work out the problem. 

As of today, I've had enough. I called Wells Fargo Customer Care Team at XXXX. I was told the account had been closed and was now in collections. 

I am furious that Wells Fargo pushed me as they did many others to open unnecessary checking accounts and then began charging fee after fee, especially when I was told THERE WOULD BE NO FEES. As a result, I not only lost the balance of {$150.00}, I also now have a charge-off on my credit report thanks to the incompetence of Wells Fargo.
Product: Credit card

I have a promotion on my credit card where Capital One reimburses XXXX XXXX subscription cost every month until XX/XX/XXXX. I called about not receiving this month 's reimbursement, and teh agent repeatedly said that had expired despite XX/XX/XXXX being before XXXX XXXX, XXXX. SHe said it was teh " information that [ she ] had '' and when I asked for the official terms, she sent them, and they confirmed an end date of XX/XX/XXXX. I repeatedly asked what she was reading and she kept repeating her phrase that it was the " information [ she ] had '' despite that not being true according to what she sent. She did not offer to clarify the situation any further. 

Thank you for loking into this. I really appreciate it. 

Terms of the dredit card below : " How do I earn elevated cash back on purchases through XXXX during the promotional period? 
You will earn XXXX  % cash back on eligible purchases made using the XXXX and XXXX Eats apps ( and dedicated website ) with this rewards card account. Purchases that post outside of the offer period, XXXX gift cards, and XXXX XXXX membership fees are not qualifying purchases and are not eligible for enhanced rewards ; however, these purchases will earn the base rewards earn rate previously disclosed under the terms and conditions of your rewards program. This offer is valid for consumer, non-commercial use only. Offer valid for eligible purchases made in the XXXX ( XXXX territories may be excluded ) between XXXXXXXX XXXX. XXXX, XX/XX/XXXX, through XXXX XXXX XXXX, XX/XX/XXXX. Additional terms and XXXX terms and conditions apply. ''
Product: Credit reporting or other personal consumer reports

This is my refilling of my complaint to EXPERIAN for taking no action on correcting and removing the fraudulent accounts including the unauthorized inquiries that are still reflected on my credit report and continue to damage my reputation. I sent out several dispute letters but until this time no further action has been taken. I have attached my FTC report with report number XXXX. I was expecting that they will be reporting accurate information on my file but it seems they are not.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I informed Experain, XXXX  and XXXX  that the ( XXXX XXXX XXXX ) XXXX was reporting different across all three credit bureaus. 

Experain and XXXX  said they verified this information as correct. 
XXXX  never responded to my letter I sent. 

I want to remind you its the Credit bureaus responsibility to report 100 percent accurate on the consumer report, Please see the variables below Date Opened : XXXX  : XX/XX/XXXX Experian   XX/XX/XXXX XXXX  ; XX/XX/XXXX High Credit : XXXX  : {$500.00} Experian  {$0.00} XXXX  ; {$300.00} Last Reported : XXXX  : XX/XX/XXXX Experian  XX/XX/XXXX XXXX  ; XX/XX/XXXX Comments XXXX : Charged off as bad debt Purchased by another lender Experian Purchased by a another lender. 
Unpaid balance reported as a loss by credit grantor. 
Sold to : XXXX XXXX XXXX XXXX XXXX ; Account transferred or sold Charged off account Date Last Active : XXXX   : XX/XX/XXXX Experian XX/XX/XXXX XXXX  ; XX/XX/XXXX Date of Last Payment XXXX  : XX/XX/XXXX Experian XX/XX/XXXX XXXX  ; XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

unfortunately, I am a victim of human trafficking of XXXX bondage. I have made the company aware of this there are a multitude of accounts on my consumer file as a result of this. per the law they should be removed after I supply proof of who I am as well as a victim determination letter according to XXXX ( b ) ( XXXX )
Product: Mortgage

We have been charged PMI insurance from the date of our loan origination, this was despite the fact we had an appraisal showing the value of the property is significantly higher than the sales price. We requested the PMI insurance be immediately removed and a refund for the payments made as the there was more than an 80 % LTV on the property as required. The lender is refusing to honor the appraisal they have had in their possession since origination and was used to gain original approval for the loan. We feel the lender has fraudulently charged this fee and is refusing to remove the ongoing charges.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am extremely upset! I was looking at my credit and there are accounts showing that are not mine! How can something like this happen! Why is it that my credit file has someone else account information! Who put this on my credit report? From what i can see this is fraud or an absurd mistake. My credit score is super low and now I am not able to use my credit in a pandemic! My engine in my car is ruined and I cant even get a new car because of this problem! Please help me and investigate this absurd problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

What is wrong why these accounts are on my credit report? I never had anything to do with them! I disputed the account with Experian but they did not give me evidence as to why the accounts are being reported on my credit report when I have nothing to do with them..CFPB please step up and remove the accounts listed asap : 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 ( account showing multiple times on my  credit report ), XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ( account showing duplicate on my credit report XXXX, XXXX XXXX XXXX XXXX,
Product: Credit reporting, credit repair services, or other personal consumer reports

HELLO, MY IS XXXX XXXX AND I AM MAKING THIS COMPLAINT BECAUSE I HAVE TRIED MULTIPLE TIMES TO DELETE THIS INFORMATION FROM THIS ACCOUNT FROM MY CREDIT INFORMATION, SINCE I WAS NOT THE ONE WHO APPLIED FOR THIS ACCOUNT, MY PERSONAL INFORMATION, FOR EXAMPLE THE ID AND THE SOCIAL SECURITY WERE STOLEN, THEY WERE USED TO OPEN MULTIPLE ACCOUNTS IN A FRAUDULENT WAY, ONE OF THE BANKS AFFECTED WAS THE CARD ( XXXX XXXX XXXX ) WHICH CURRENTLY HAS A BALANCE OF {$2200.00} THAT WAS OPENED AS A FRAUD, I DEMAND TO DELETE THAT ACCOUNT FROM MY CREDIT REPORT, I MADE AN IDENTITY REPORT ADDING THIS ACCOUNT TO THE IDENTITY THEFT REPORT SO IT CAN BE REMOVED FROM MY CREDIT REPORT THANKS... 



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 XXXX XXXX
Product: Credit reporting or other personal consumer reports

There is incorrect and inaccurate information in my credit reports regarding the XXXX XXXX XXXX Account with XXXX XXXX. I found various errors and inconsistencies regarding the opening dates, payment history and closing of said account, as well as the rating, payment status of the account, the type of creditor and the observations offered by the same. The information reflected by the different credit reporting agencies is in disagreement. 
Pursuant to the Fair Credit Reporting Act, the account has violated my consumer rights under 15 USC 1681 Section 602A, which federally protects my privacy and confidentiality, 15 USC 1681c. ( a ) ( 5 ), which states that no consumer reporting agency may make any consumer report that contains any element of adverse information, and 15 USC 1681s-2 ( A ) ( a ), which states that a person shall not provide 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: Payday loan, title loan, or personal loan

On XX/XX/19 I applied for a loan in the amount of XXXX. I was approved and fully intended to payback the loan. I however, just lost my job and was told about a health issue and to top it all off the bank account I did have was closed. I am to embarrassed to talk to the company as it has really made me distraught. I have in the past worked with them and was able to pay off the loan quickly, I won't apply for another loan with them since I am unable to pay this one back. I am due to pay back my loan XX/XX/19 for the amount of XXXX and will not be able to pay this payment or the next three for the same amount on the same dates.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have XXXX hard inquiries for XX/XX/XXXXon my Equifax credit report. Only XXXX of them belong to me : 1. XXXX 's XXXX ( XX/XX/XXXX ) and 2. XXXX XXXX ( XX/XX/XXXX ). 

For the other XXXX inquiries I did NOT sign a credit application or otherwise complete any authorization to review my credit. The Equifax rep in XXXX (??? ) said I must contact each company and resolve this on my own. My lawyer said the Equifax fraud department, who I asked to speak with, should handle this since they are responsible for confirming everything they put on my credit report. 

Can you please help me get this straightened out? 

Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

US BKPT Court Georgia XXXX... I have previously disputed U.S. Bankruptcy Court Georgia XXXX XXXX XX/XX/2016 with you and in response you verified the item as accurate stating that you have verified the information with the Court. I contacted the Court and their response is enclosed. It is clear they do not report to you or any credit bureau for that matter ; therefore your original response verifying the item with the court was either an error or a lie. Either way, the reporting requirements do not comply with FCRA 611 ( 115 U.S.C. 1681l ) and the information must be deleted immediately
Product: Debt collection

I told the person this what my debt and I have no knowledge of this account. They keep selling this debt.
Product: Credit card

On XX/XX/2023 I applied for an unlimited open ended credit plan with American Express Gold Card. I applied for this plan because it is well documented that when a consumer applies to give an extension of credit using their social security number/card, per 15 USC 1602 ( l ) The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. The extension of credit can not be denied. ( g ) The term creditor refers only to a person who both ( 1 ) regularly extends, whether in connection with loans, sales of property or services, or otherwise, consumer credit which is payable by agreement in more than four installments or for which the payment of a finance charge is or may be required, and ( 2 ) is the person to whom the debt arising from the consumer credit transaction is initially payable on the face of the evidence of indebtedness or, if there is no such evidence of indebtedness, by agreement. Notwithstanding the preceding sentence, in the case of an open-end credit plan involving a credit card, the card issuer and any person who honors the credit card and offers a discount which is a finance charge are creditors. For the purpose of the requirements imposed under part D of this subchapter and sections 1637 ( a ) ( 5 ), 1637 ( a ) ( 6 ), 1637 ( a ) ( 7 ), 1637 ( b ) ( 1 ), 1637 ( b ) ( 2 ), 1637 ( b ) ( 3 ), 1637 ( b ) ( 8 ), and 1637 ( b ) ( 10 ) of this title, the term creditor shall also include card issuers whether or not the amount due is payable by agreement in more than four installments or the payment of a finance charge is or may be required, and the Bureau shall, by regulation, apply these requirements to such card issuers, to the extent appropriate, even though the requirements are by their terms applicable only to creditors offering open-end credit plans. The application was denied by a computer generated algorithm based on a FICO score and the determination was not made by a human underwriter. Denial of credit is a violation of the Equal Credit Opportunity Act because when I gave my Social Security information the application should have been approved according to law. AMERICAN EXPRESS is in violation of 15 U.S. Code 1642, U.S.C 1681 ( m ) and 12 CFR 1002 because I, XXXX XXXX XXXX XXXX the consumer, made an application in good faith, but credit was not issued. Furthermore, because my social security number ( credit card ) was used and I received NO benefit. This is proof of fraudulent activity ( unauthorized use of credit card ) on behalf of AMERICAN EXPRESS. If AMERICAN EXPRESS fails to make any reasonable procedures to resolve this matter and compensate me for the use of my credit card ( Social Security Number ) I will indeed make AMERICAN EXPRESS criminally and civilly liable for all actual damages pursuant to 15 USC 1681 ( n ) and 15 USC 1681 ( o ). 

I will also follow up with an invoice for said violations ( { {$1000.00} } per violation ).
Product: Debt collection

In XX/XX/year>, I received a written communication from I.Q. Data International regarding a payment of {$10000.00} owed to XXXX XXXX  ( FL ). I contacted I.Q. Data International via phone several days after receiving the letter to notify them that this is the result of identity theft. I was instructed to provide a police report showing this as an open case, but I have not been able to contact the detective assigned to a previous case of identity theft involving my personal information in order to add this information to the open case. I have an open case with the City of XXXX XXXX Police Dept ( XXXX XXXX, Florida ) where we are attempting to pursue the individuals causing these issues. The XXXX has informed me that they have discovered an identical photocopy of my FL Drivers ' License. 

Attached to this complaint are the following : 1. Letter from I.Q. Data International describing the delinquent account at XXXX XXXX  ( FL ). 
2. XXXX XXXX Police Dept report XXXX ( open case regarding identity theft associated with my Driver 's License ). 
3. Letter from Florida Dept of Highway Safety and Motor Vehicles notifying me that a fraudulent copy of my Drivers ' License has been discovered.
Product: Mortgage

Since XX/XX/XXXXXXXX  I have paid extra every month to be applied to escrow. To find out that all the extra money went to principal balance, which is not I requested nor stated in each memo when paying via bank transfer. I would like {$700.00} to be reversed from principle to due your company 's error, applied with the {$500.00} I sent in in XX/XX/XXXXXXXX  to be applied to XX/XX/XXXXXXXX  mortgage payment with the remaining balance of {$160.00} to escrow. I was toldby New rez in XX/XX/XXXXXXXX  that all extra would go into my escrow account, if I noted it. 
XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XXXX XXXX  and XXXX XXXX  I paid extra in the amount of {$39.00} each month. XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX I paid {$79.00} extra. XX/XX/XXXX, XX/XX/XXXXXXXX  and XX/XX/XXXX I paid {$61.00} extra and the {$500.00} paid on XX/XX/XXXX should be in suspense waiting for the remaing {$530.00} to be sent in. 
Again please reverse {$700.00} that errously went to principal and apply my suspense of {$500.00}. Then I called XX/XX/XXXXXXXX  to make the remaining payment of XXXX to XX/XX/XXXXXXXX  along with the {$500.00}. To find out today they took out the {$500.00} but then applied the XXXX to principal balance
Product: Credit card or prepaid card

I have applied for a credit increase with Capital One five times and l have been decline in getting a credit increase. 

My credit scores are in the XXXX and XXXX mark. 
I was declined because to many recent credit inquiries, in which the inquiries was implemented to get a better VA lender to purchase for a Home. 
In which l am Preapproved and qualified with VA lenders to get a better interest rates and deals. 
Presently, I obtain XXXX XXXX and my VA Loan Agent is XXXX XXXX. 
Email XXXX I have filed various Federal government complaints against XXXX as they have been retaliating and discriminating against me, because of my National Origin as a XXXX XXXX XXXX and XXXX XXXX XXXX Military Veteran. 
I am respectfully XXXX XXXX and XXXX. 
XXXX has a business partnership with Capital One and XXXX has given my private information to other companies. 
My credit scores is demolished because of XXXX breach and issues.
Product: Credit card

I was shocked when I reviewed my credit report and found late payment on the dates below : Account number : XXXX 30 days past due as of XXXX 2011 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.