23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I called Capital One on XX/XX/XXXX and requested the yearly statement for XXXX, and I was told it will be emailed to me within XXXX business days, then I called Capital One on XX/XX/XXXX and told them that I still did not receive it yet and asked them when I will be receiving it that day on XX/XX/XXXX for being the last of the XXXX business days?, then XXXX, a XXXX XXXX XXXX  confirmed that day on XX/XX/XXXX that I will be receiving it the next day on XX/XX/XXXX, so I told her that I should be receiving it on XX/XX/XXXX as Capital One informed me on XX/XX/XXXX, and that XX/XX/XXXX is a XXXX, then XXXX confirmed again that Capital One will email it to me on XX/XX/XXXX and that they are open on XX/XX/XXXX. When I still did not receive it on XX/XX/XXXX, I called Capital One on XX/XX/XXXX and XXXX XXXX XXXX XXXX XXXXXXXX confirmed in that call that the XXXX  yearly statement was processed on XX/XX/XXXX and submitted and I should have it in my email, and when I told him that I hadn't received it yet via email, he said that he can not email it to me as now it had passed 7 years. Please note that both calls with XXXX and XXXX were on a recorded line. As such I am filing a complaint today requesting that Capital One email me the 2017 yearly statement as they confirmed and indicated to me on XX/XX/XXXX ; in that they will email it to me within XXXX business days, especially when XXXX on XX/XX/XXXX confirmed that it will be emailed to me on XX/XX/XXXX and in spite I told her that I need to receive it by end of business day on XX/XX/XXXX she confirmed again to me in that call on XX/XX/XXXX that I will receive it on XX/XX/XXXX, however, XXXX  indicated to me on XX/XX/XXXX that he can not email it to me. I want the CFPB to hold Capital One accountable to their false promises and for refusing to provide me with the 2017 yearly statement in a timely manner as they confirmed to me on XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022. I checked my credit report and I noticed there were several created accounts on my credit report. There were 3 inquiries I did not apply for. I did not apply for any credit cards nor mortgage. There is also an address on my personal information that I do not live at and have no idea how it was added onto my account. The fraudulent address is XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, NV XXXX. I have attached a identy theft affidavit with a list of all the fraudulent accounts. Remove them immediately.
Product: Credit card

I recently got married and requested a card for my spouse on my account. The credit card company requested proof, XXXX documents. Drivers License, Passport, Social Security Card ... Some reason, they did n't trust the documents that were emailed to them. The put my account on fraud hold. After waiting for a week, I told them to close the account. Now they think it was all fraud. I had and account in good standing over 20 years with them, but I will not be treated like a criminal. They will not close the account at my request.
Product: Mortgage

I filed bankruptcy and have been XXXX. I can not access my account online and can not speak to a human, the IVR system will NOT allow me to speak to a human.
Product: Credit reporting or other personal consumer reports

I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized account/ information reporting to my credit report. These remarks have been detrimental to my life and credit health.
Product: Credit card

On XX/XX/XXXX, I used a link provided by capital one to refer a friend. He clicked on the link we submitted the card and he was granted the card. To both of our knowledge, the criteria specific to the bonus points was fulfilled. I waited eight weeks and did not receive the bonus. After eight weeks, I called Capital One and asked why. This was the second time I had not received a bonus for a referral. They could not tell me why. It was escalated. The next people could not tell me why. It was been escalated again. They were unable to tell me why, and the solution was that they were going to turn this in to a team to make sure that there are no glitches or problems. But, they were not going to contact me to let me know why. There was no answer as to why I did not receive it and they were unable to resolve the issue. Nobody could resolve it because nobody could see why it was happening. One time I can see- but two? Two times the criteria was fulfilled and I did not get my points. Theres no way to rectify this. The people employed at Capital One do not have the authority to see what the reason is and have no way to verify any facts. In the end, there is a gross lack of accountability and a gross lack of meaningful solution driven information at the escalation level employees disposal. I want my points and if I cant have my points, I want to know exactly why. And if they cant tell me due to privacy issues, then I want my friend to be able to know exactly why. After all, its their account, isnt it? But they arent even given the information. This strikes, a note of negligence to me..Unethical at the best.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. This account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. This account has violated my rights ; Validate Account 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. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing XXXX days prior, I was not notified. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report immediately : XXXX XXXX XXXX The reporting of these account ( s ) is/are violations of 15 USC 1681 , and the Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ;
Product: Credit reporting or other personal consumer reports

I am filing an urgent complaint against XXXX XXXX for their clear disregard of the Fair Credit Reporting Act ( FCRA ) and their failure to properly validate and verify an account listed on my credit report. The inaccurate and unverified account reported by XXXX XXXX has significantly damaged my credit score and financial standing. This has led to considerable hardship, including challenges in obtaining credit, increased interest rates, and substantial stress. The actions of XXXX XXXX have caused undue harm to my financial reputation and stability. XXXX XXXX XXXXXXXX Balance Owed : {$4200.00}
Product: Mortgage

Today is XXXX, XXXX, 2015, no payment has been made for over eight years on a mortgage for a home that I legally own. The Statue Of Limitations in MA is six years to collect any kind of debt. The original mortgage was with XXXX XXXX XXXX and XXXX XXXX, XXXX XXXX forgave the debt and discharged it at the registry of deeds, XXXX XXXX XXXX sold the debt and has been selling it and moving it around to all different banks, a lien was placed at the registry of deeds by US Bank NA and now XXXX XXXX XXXX XXXX is claiming they bought the loan and could possibly be selling it and moving it around. In the mist of all this my identity could possibly be at risk for identity theft.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Money transfer, virtual currency, or money service

The moneylion company, specifically roarmoney, closed my account 2 years ago since XXXX XXXX 2020. I have made several claims and the money has not been released yet. I am currently demanding that my account be reopened since they have blocked an amount of {$5400.00} dollars without any justification, I contacted them several times and they did not give me detailed information, I sent them all the documents required by them and they still have my frozen funds.
Product: Debt collection

Midland Funding LLC sent me a summons of an alleged debt that I never obtained. I was given a summons to appear in court on  XXXX   XXXX ,  XXXX  in which I went to file a notice to appear. I had no days off of work to attend the actual court so I call ed Midland Funding and  stated that I did not own the debt and how could this be resolved. It was stated to me that I must agree to make a payment in order to have the case dismissed in which I did because it was stated to me that my bank account or wages would be garnished if I failed to do so.     In their summons and my previous complaint it was stated by them that the dates were in fact true and that they made no mistake nor did they falsify any documents. I have attached the entire summons report along with portions of the summons tat have been either falsified and/or altered. If you take a look at their Bill of Sale dates specifically in Exhibit B, you will see that the agreement between  XXXX  an d Midland Funding agreed  to a sale of accounts on  XXXX   XXXX ,  XXXX . Then take a look at the last page of the summons and you will see that the alleged account was not charged off until  XXXX ,  XXXX  of  XXXX  .There is no  way that this could be true. To go long with that on the very same page the the origination of the alleged account with  XXXX   XXXX  was  XXXX   XXXX   XXXX  with a payment date of  XXXX   XXXX   XXXX  that myself or banking institution has any record of.     If this an is an alleged account it would still be within the billing cycle because the card would have just been issued so at what point would a consumer default? So basically t heir Bill of Sale i s that of a date when the alleged account would be still current, therefore this is fraud and that is not good business practice. I have attached the summons which is also court documents. i also received a response from  XXXX   XXXX  stating that they were unable to locate any past or present accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good Day, My name is XXXX XXXX XXXX and I am writing to complain on XXXX for their lack of response and reporting. I have continued to follow every step on removing false accounts that are reporting and they have yet to comply. They have exceeded the 30 days multiple times and at this point, the issue has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several letters via certified mail, that are dated, that have everything listed in detail, that have everything required and they still are not doing their job in removing their items. I have filed a police report and identity theft report ( XXXX ) and still refuse to help. 

The following are some of the dates of the letters I have mailed out : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP WHEN THEY HAVE RECIVED MY LETTERS.
Product: Money transfer, virtual currency, or money service

The $ XXXX $ XXXX {$400.00} money sent to XXXX XXXX and XXXX XXXX was totally a fraud, they took my information and sent me a fraudulent check in order to get my money.
Product: Credit reporting or other personal consumer reports

i recently checked my credit report and it said i had XXXX collection accounts one from XXXX XXXX XXXX XXXX XXXX XXXX XXXX  for a total of {$310.00} XXXX i have never been associated with this company nor had i ever had an account with them also theres one from ( XXXX XXXX XXXX XXXX for a total of {$1400.00} XXXX i would like for these accouynts to be removed and deleted from my report i already put an fraud alert on there
Product: Checking or savings account

Hello I opened a Business checking account with PNC Bank on XXXX XXXX XXXX. PNC was offering a promotion where a bonus of {$400.00} is promised with keeping XXXX XXXX balance per month. 

After opening the account, I immediately transferred {$2500.00}. There was a slightly delay with the transfer, which I do not feel was my fault. 
I felt certain that I have satisfied the requirement of holding a XXXX XXXX  balance until XX/XX/XXXX, which would be 90 days from the original transfer. 

I experienced major issues with setting up my PNC online access, which actually to this day have not been fully resolved. 

I did just look at my PNC statement from XXXX and saw the the " average collected '' balance is less than expected. 

I'm hoping that PNC will honor my XXXX XXXXXXXX balance for these last 3 months and not try to deny the bonus to me based on a technicality with slow transfer speeds. 

Furthermore, on a personal note, I would like to share that I suffered a sudden XXXX XXXX in XXXX with the detachment of the retina of my eye which required a major XXXX XXXXXXXX to fix. I know this sounds like an excuse but I was completely " out of it '' for a few weeks, and it has actually taken more than 2 months to try to recover from the retina detachment and XXXX. So this primarily the reason why I would have overlooked the statement in XXXX. I actually couldn't open my eyes much for a few weeks in XXXX XXXX XXXX and just now starting to do most things normally again. 

I'm hoping to have PNC 's response in writing and ask respectfully for their understanding over this matter. 

Thank you very much, XXXX
Product: Debt collection

I am formally notifying your company of inaccuracies in my credit report. Federal law mandates a response within 15 days, and your non-compliance puts you in violation, subject to fines up to {$1000.00}. 
Provide the investigation results for the following accounts within 10 days : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Chase unexpectedly closed my account on XX/XX/year> without any prior notification. It was only when I discovered that my XXXX XXXX had suspended the card that I realized Chase had taken this action. Upon contacting them, I was met with rudeness and they refused to provide any explanation for closing my account. Furthermore, they informed me that I would never be allowed to open another account with Chase in the future.
Product: Checking or savings account

Opened a new account with wise.com and for first few weeks they could not verify my account due to technical issues from their end and I tried to escalate it multiple times but ended up in an infinite loop of ignorant customer service agents. till this moment they failed to provide a resolution or resolve the issue
Product: Credit reporting, credit repair services, or other personal consumer reports

The questionable accounts specified below continued to report on my credit report despite the previous sent requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus last XX/XX/2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be validated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled as soon as possible : XXXX XXXX XXXX : {$200.00} ; XXXX XXXX Balance : {$9900.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has violated my protected federal consumer rights on multiple occasions and instances. Referencing Account # XXXX, from XXXX & XXXX, this account was resold 3x to 3 different collection companies and all updated with different open dates and neither contains the closed date as this is a collection account. ( collection agencies : XXXX XXXX XXXX & XXXX XXXX  ) According to Experian although information is sold between collection agencies the open date/ account date is not to be changed as in making the old debt appear new. This was clear violation when my account went to XXXX XXXX  that had a open date of XXXX XXXX, XXXX then deleted from my account and as of XXXX XXXX it was placed back on my account under XXXX  XXXX  with an open date of XXXX XXXX. As of XX/XX/XXXX the account was again disputed and removed from my report which shows proof that you have been willfully negligent is correcting these inaccurate reports and information. After the information was disputed as fraudulent on XXXX XXXX, XXXX it was removed again on XXXX XXXX. Still without written notice to me the consumer this transaction is negatively affecting. refferencing my report from XXXX XXXX the collection was placed back on my account with another fraudulent open date of XXXX XXXX, XXXX. Not once was i notified nor were there any reasonable procedures maintaned to prevent reappearance to this deleted material persuant 15 usc 1681 I ( C ). This information is not only inaccurate but it is fraudulent as well. Also, i never gave experian nor at & t written instruction to furnish anything in my name, persuant to 15 usc 1681 b # 2. It is illegal under the FCRA to furnish information that is knowingly inaccurate and incomplete, persuant to 15 usc 1681 s-2 ( a ) ( b ) ( 2 ). Experian is willfully non compliant and hereby liable persuant to 15 usc 1681 N & 15 usc 1691 K. This XXXX XXXX XXXX  account has been deleted and reinserted without written notice given to me a total of 6 times. these multiple occurrences and reinsertions prove that this wasn't a mistake or unintentional. The law is very clear as to the civil liability and remedy available to me for negligent noncompliance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted XXXX 's because I saw that my bill had late fees. When I contacted them they told me that I didn't pay the bill for XXXX billing cycles. I then paid my regular payment amount and have been paying them since I called them to see what the issues were. I also explained to the card company/department store that I was not notified about not receiving payments for XXXX billing cycles, and that I really thought I had paid them. I asked that the interest be removed and told them to make sure they call promptly when a payment is not received. The company removed the interest and has been reporting me as delinquent since my call to them and they have also been having an automotive machine contact me weekly since I initiated the call to them about my billing. I really feel as if the company is not playing fair and that they should have attempted to call me when the bill was not being paid, and at that time I did not get any calls from them. Having been a XXXX customer for about XXXX years, I am angered about the treatment I am receiving from the company. It is very unfortunate that I can not make up the payments missed, but if the company would have reached out to me during the first month that the payment was missed I could have sent it in. I really see that this company does not have their customer 's best interest in mind, and just wants to attack my XXXX XXXX. And to just let you know I have never been late nor missed payments before, so this should have been more than a reason to give me a courtesy call or letter.
Product: Credit reporting or other personal consumer reports

I did a review of my credit report and noticed that I had late payments on an account and I have never been late according to the credit reporting agencies and they have assumed a vital role and responsibility of submitting consumer information to the maximum accuracy. I have never been late in payment of this account XXXX  XXXX, Account # XXXX please investigate and provide proof of status showing that these payments are late, if proof can not be provided I demand that this payment be updated in a timely manner, because I I have not been behind on this account. thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

At the beginning of XXXX of this year, I notice on my credit reports XXXX XXXX reportes my mortgage balance as {$110000.00} which is incorrect. I did a modification on my loan on 2010 XXXX XXXX had my loan and XXXX XXXX was the servicer of my loan. During the modification process I was told, XXXX of my loan was going to be discharge and I was no longer responsible for this amount. I was under the impression all of these year that the balance of my loan was XXXX. I have contacted XXXX XXXX Customer Service ( Mortgage Department ) and they haven't given me a correct information on this issue. I did request a copy of my loan modification and the paperwork doesn't have my initials nor my wife 's initials ( I am now XXXX ) when they say, the XXXX was supposed to be deferred at the end of the loan. The paperwork that they sent me wasn't signed by me nor my wife at the time. I need for the Consumer Financial Protection Bureau to open an investigation about this issue, and provide me with the proof I need since so far, they haven't been able to do it. The 3 credit bureaus haven't been able to provide me with paperwork regarding this issue. I need to know where is a copy of my loan modification paperwork with my initials on each page.