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

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TRANS UNION XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  is selling my information to another service provider and furnishing information to the Credit Reporting Agencies without my written consent which is in violation of the LAW. I have contacted them about this matter in 2021 but they failed to do anything.
Product: Vehicle loan or lease

I had a payment agreement due and spoke to the account manager on XX/XX/23 and she agreed to accept my payment, although my account was behind, on XX/XX/23. Then we discussed once this payment was made we would set up a 30 day extension, I believe she called it something else though. I had already proven I would catch it up because I have been in an unusual situation and had a crime victim service claim pending and caught it up by paying every other week until it was current. I believe this was why she agreed to work with me again. On XX/XX/23 two days before my payment date a tow truck showed up and refused to let me call and would not accept that I had something worked out. When I called they refused to work with me and they supervisor said the policy is to allow 2 weeks to work it out but I received a letter a couple of days later saying the car was put up for sale XX/XX/23 and Foursight refused to show me the policy. I tried to discuss and was refused an opportunity to fix it. I spoke to someone on XX/XX/23 after the sale of the car and was then told I owe {$14000.00} because they sold the car for {$12000.00}. I explained that that was unacceptable because the agreement was not kept with me and it should have never been picked up. XXXX said he would have the supervisor call the following day which he did. He then said that he could set up arrangements with me. I again said it was unacceptable. I went over the call what I agreed to pay on XX/XX/23 and the extension and that it was picked up 2 days before. He asked if it had something to do with the FBI who I didnt remember mentioning and I said there may have been something mentioned but I dont remember mentioning it. It said he had gone back and reviewed the noted and realized it was a misunderstanding but the balance it there and needs to be resolved. It is unacceptable that they made a mistake because of a misunderstanding and expect me to pay a {$14000.00} bal when I was trying to pay all of the payments and now it is still sitting on my credit and I was also told it was charged off. I think someone needs to look into the business practices. I tried to contact the CEO because the supervisors were not helpful.
Product: Credit reporting or other personal consumer reports

Captail one bank is in violation of their very own arbitration agreement I have with them.

I'm ready to go to arbitration with Capital One over a late payment they other inaccurate and incomplete reporting.
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The XXXX credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXXXXXX
Product: Money transfer, virtual currency, or money service

I have concerns regarding Zelles handling of disputes & reporting discrepancies with my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion has committed fraud by putting inquiries on my credit report without my consent. Which is a violation of my rights pursuant to the FCRA ( Fair Credit Reporting Act ) namely 15 USC 1681 and multiple violations pursuant to the FDCPA. These fraudulent reports have damaged my reputation and caused pain and suffering due to the inquiries causing my credit score to drop which in turn affects my livelihood. These " XXXX  XXXX  '', " XXXX XXXX '', " XXXX/XXXX  '', " XXXX XXXX '', and " XXXX XXXX '' inquiries should be removed from my report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an open XXXX XXXX account showing on my credit report that I have no recollection of every opening alongside two hard inquiries produced by them that I never requested. There are also two additional hard inquiries from XXXX ( XXXX ) and XXXX ( XXXX ) that were not asked for, yet somehow appear on my report.
Product: Vehicle loan or lease

For the last 2 plus years, I have not received a copy of my monthly billing statement nor have I been afforded the proper application of my monies I paid to this account. There is a huge discrepancy with my auto loan payments and I have also asked for the total amounts of interest paid since loan inception which began in XX/XX/2016 to current and the presidents office in Texas as well as the auto loan office in California failed to send me accurate account of my loan as last year it stated I paid over XXXX dollars and now my online account states I have only paid slightly over XXXX. They will not release my total payments towards principal vs interest for the years 2016 to current on their letterhead although I was informed it was mailed. I need this document as well for tax purposes. Additionally they are not reporting my account balance monthly to the credit bureau, I have spoke with Capital one on this as well, and no one seems to know how my payments are being applied, it is a simple interest loan and thats about all i get. if you look at my ledger, if i pay early they take a huge chunk of my payment and apply to interest, but if i pay post my due date which is the XXXX of the month, they apply a good amount towards principal and less towards interest. Doesnt add up and no one is talking. I advised if i do not receive my billing statements for the last 2 plus years, as i have called and msg them constantly and nothing. i also have been blocked from msg them inhouse as well as looking at my statements online and nothing received by mail. they have blocked me out of my account and play XXXX as nothing is going on with my account, with me having a prior background in banking and financials i know this is a bunch of malarkey. I advised if i do not receive a statement, no more monies will be paid to this account as i only purchased the vehicle for XXXX and i was to have a gap policy of XXXX added to the account but that is even wrong. I am done. I want all of my documents and fyi this started from the beginning in XX/XX/2016 where they refused to send the dealership and myself a copy of my loan terms and payment slips or information on how i was to pay after having the car 1 month. i have only missed a few payments the 2nd year of having car due to furlough but i caught up and paid in advance in lump sums so nothing is adding up and need your assistance as i am no longer talking to this lender it is pointless. Lastly, they refused to send me a copy of my title as well last year so that I could register my car this is how dirty these ppl operate and just like i paid off my cc, i know my car is paid for, how am i paying XXXX more than what i bought the car for its a XXXX car, payments XXXX have had already 3.5 years, not behind in payments, but you still saying i owe XXXX smh.the math even with the interest doesnt add up
Product: Credit card or prepaid card

I bought a spare part for a car on XXXX with a tracking number that was delivered but I did not receive anything. I opened a dispute on XXXX, XXXX decided it in favor of the seller. I dont agree with this nonsense, since the seller is responsible for the delivery and the seller must open a dispute with the delivery company or request insurance. Then I decided to open a dispute on PayPal, since I paid with a credit card, PayPal closes the dispute in favor of the seller, referring to the tracking number that the spare part was delivered and ignoring that I indicate that I do not receive anything!!! I demand my money back. 

XXXX Item not received Closed {$430.00} USD XX/XX/2022 XX/XX/2022 2022
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information that is being reported on my credit report. Specifically, the following items are incorrect and are negatively impacting my credit score : EQUIFAX : Inquiry from XXXX on XX/XX/XXXX I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 

Inquiry from XXXX  XXXX on XX/XX/XXXX I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 

Inquiry from XXXX XXXX on XX/XX/XXXX I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 

XXXX : Inquiry from XXXX on XX/XX/XXXX I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 

Inquiry from XXXX XXXX on XX/XX/XXXX I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 

Inquiry from XXXX XXXX on XX/XX/XXXX I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 

XXXX : Inquiry from XXXX  XXXX on XX/XX/XXXX I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 

Inquiry from XXXX XXXX on XX/XX/XXXX I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 

These items are either reported incorrectly or have already been resolved, so I ask for a thorough investigation and correction. I've reached out to the credit reporting agency and the data furnisher, but the issue persists. Ive attached supporting documents and screenshots of my credit report to illustrate the inaccuracies and support my claim. Please address this matter promptly and update my credit report to reflect accurate information.
Product: Money transfer, virtual currency, or money service

on Friday XX/XX/2021 I went to capital one to get some cash she asked me how much you want I said XXXX and after she coms back asking me you got a ppp loan I said yes she said I have to make a call and after she made here call they blocked my account all my payments are auto pay and they destroyed my life by blocking my account and the ppp loan said they have no right to do so and why they did accept the money I am responsible for this loan not them I need help please thank you BY THE WAY THIS IS AFFECTING A LOTS OF PEOPLE NOT JUST ME A LOTS OF PEOPLE COMPLAINING FOM CAPITAL ONE
Product: Debt collection

There is achatge of {$510.00} placed on my credit by, AFNI , INC . 
Address : XXXX XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX Account Number:XXXX, Original Creditor : XXXX That I do not recognize. I have requested more information on this account and disputed this item several times, but no changes as of now. Please help to identify this item and cancel, since it does not look familiar. Thank you
Product: Credit reporting or other personal consumer reports

My account with the company FREEDOM MTG and i was never late! I have had exceptional payment history with this company and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in MONTHS REPORTING LATE to be removed They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

This company never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Product: Credit card

EVIDENCE FOR FRAUD CLAIM I would like to file a complaint because my bank of America fraud department denied my claim about charges that were made on stolen from me card. In addition there's no way to submit evidence that I want to submit to be added to this case. I was on the phone with bank of America fraud center requesting the information on how to submit the evidence. Bank of America fraud center kept me on hold a for over an hour total today they transferred me and they ended up saying : " our existing fraud claim department don't handle submitting of the evidence we will transferring you ''. And then the lady transferred my call to main line for bank of America ( where they don't handle fraud at all only regular banking ). So I never found out a way to submit the documentation. 

There were 4 charges on my credit card account dated XX/XX/XXXX totaling in XXXX XXXX My card was not in my possession at the time transactions were made. Which I only realized after I learned about already made transactions for XXXX XXXX 
All of the charges were made using my physical card at the grocery store, drug store, wine store and XXXX. 
I've attached all my bank of America credit card statements from this year and year end summary of XXXX. You can see I've not even once uses my physical card in store. And I never purchased groceries, wines and drug store items. 

1. If the fraud department compared the purchasing pattern for my claim, such as types and amounts of purchases, with the my previous purchases they would see it's extremely unusual. 

2. Reviewing the place of delivery ( XXXX fraud transactions were made in XXXX XXXX ) relative to the my home address they would see that it can't be my usual place to shop for groceries and drinks. Why would I buy groceries in XXXX XXXX if I live in a very North of XXXX? 
Living in XXXX my grocery shopping venues can't be 3 hours far away. 
I also attached a sworn affidavit that I notarized today. 

3. Please compare the signature on any purchase receipts with my signature. 
Besides the affidavit my signature is shown on my SSN card and State ID that I also attached. 
I'm also want to file police report but I need to know the address where all fraud transactions were made. 

Thank you! 
XXXX XXXX
Product: Money transfer, virtual currency, or money service

My account on Coinbase was hacked and all my fund was gone. Coinbase absolutely has 0 support. All they do is send out automated emails. Not to mention that In that email, they conveniently said they aren't responsible for the fund that was already transferred out of the account by the hacker. 
My hard earned money was gone in a matter of minutes and there is NOTHING coinbase can do about it based on their automated email. There is no way to reach a REAL person who works at coinbase. 

Nobody should be using Coinbase which has no support and such a weak protection against hackers. 
Also for some reason, Coinbase deleted all the history of crypto that was SOLD by the hacker and transferred out of the wallet.
Product: Mortgage

The company services XXXX loans for me, they did not send out 2023 XXXX XXXX to me and I have no way of paying my taxes. 

XXXX. XXXX XXXX XXXX - XXXX XXXX. XXXX XXXX XXXX - XXXX XXXX. XXXX XXXX XXXX - XXXX XXXX. XXXX XXXX XXXX - XXXX XXXX. XXXX XXXX XXXX - XXXX XXXX. XXXX XXXX XXXX - XXXX XXXX. XXXX XXXX XXXX - XXXX XXXX. XXXX XXXX XXXX XXXX - XXXX 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

Sending several times of multiple letters, unverified accounts listed below are still reporting on my credit report in violation of federal law. The Credit Bureau failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these negative accounts remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the accounts that are still showing on my report. 
XXXX XXXX XXXX ( XXXX ) XXXX Opened XX/XX/XXXX Balance {$500.00} XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$400.00} XXXX XXXX XXXX  XXXX Opened XX/XX/XXXX Balance - XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ) XXXX Opened XX/XX/XXXX Balance {$500.00}
Product: Credit reporting or other personal consumer reports

I am writing to file a complaint against Discover Bank regarding their handling of my application for a secured credit card. I believe their actions, specifically the unreasonable delay in pulling my credit report and the resulting hard inquiry on an abandoned application, are unfair and potentially harmful to my creditworthiness. 
Here 's a timeline of the events : XX/XX/year> : I applied for a Discover XXXX Secured credit card online. 
XX/XX/year> : Over six weeks later, Discover pulled my credit report from XXXX. 
XX/XX/year> : I contacted Discover to inquire about the delayed credit pull, believing it was fraud, as it was such an absurd delay.. They informed me that the delay was due to a credit freeze I had on my XXXX file at the time of application. 
XXXX am no longer pursuing the application with Discover, due to the credit freeze lift not allowing me to apply still.

I believe Discover 's actions are unacceptable for the following reasons : Unreasonable delay : Waiting six weeks to pull my credit report is an excessively long time, especially considering I had abandoned the application. This delay negatively impacted my credit score, as it appears as if I am applying for multiple credit products within a short period.

Lack of transparency :
Discover did not inform me about the potential for a delayed credit pull due to the credit freeze. This lack of transparency prevented me from making an informed decision about proceeding with the application.

Potential for outdated information : Discover used the credit report pulled six weeks later to make their decision, producing an Adverse Action denial letter built upon faulting me for the credit card I later opened with XXXX, as again, I was not able to complete the Discover application and abandoned it. This means that Discover used outdated information in their Underwriting process, which again, lowered my score.
Product: Credit reporting, credit repair services, or other personal consumer reports

ive been a vicitim of identity theft
Product: Debt collection

Company is reporting six accounts as negative accounts with late payments. When it should be listed as paid in full with zero late payments.Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor. I disputed this debt with the credit bureaus and it came back verified i have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately. As per the law, cease and desist all collection activity, including credit reporting.
Product: Credit reporting or other personal consumer reports

The creditor agreed to change information and this account is involved in litigation. 
I have not supplied proof under the doctrine of estoppel by silence Engelhardt V Gravens ( mo ) 281 SW 715. 719. I presume that no proof of the alleged debt, nor therefore any such debt in fact therefore exists pursuant to 28 USC 8, L owe no debt this company is violating my consumer right to privacy pursuant to 15 USC 1682-B2 company has no permission to report my information per 15 USC 16814
Product: Credit card or prepaid card

Shop your way citi credit card sent me an offer as the following : Offer : You can earn 10 % back in a statement credit up to a total of {$60.00} each month for every eligible {$1.00} spent in total eligible ONLINE purchases that are made each month to your Shop Your Way. 
Mastercard from XX/XX/2020 - XX/XX/2020. 

During XXXX I did get {$60.00} bonus credit. However, in XXXX I made a purchase at XXXX but I did not get a bonus. I purchased a pair of single sofas, and this product is not sold at the local store, it couldn't be picked up at the local store, either. It's a solely online order and it's shipped to my home directly. The order is {$430.00}, which I should have gotten 10 % of the purchasing amount as my bonus reward. 
I contacted the customer service department several times since XX/XX/2020. 
The customer representative told me that this issue is under investigation. It's been a while, I still do not get the bonus credit back yet. 

I also asked for an online shopping list that can be eligible to shop in order to get the bonus, but they don't have such a thing. 

I still keep the mailer flyer as the evidence to prove their offer/promotion detail.
Product: Debt collection

JPMCB - CARD SERVICE Account Number : XXXX Date Opened : XX/XX/2015 Balance : XXXX