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

Applied online and approved for a credit card on XX/XX/23. Immediately called US Bank to ask if it was possible to have the card shipped with expedited shipping ( i.e. next-day ) as I have an international trip next week. Customer service said no, then proceeded to say " Not to call you out or anything, but why would you apply for a card knowing you are going on a trip next week? '' In my view, a trip is a perfectly valid reason to obtain a credit card due to some spending. 

I have not had issues with other card issuers such as XXXX XXXX and XXXX getting a card shipped next-day to have in hand, even internationally. Disappointed in this as my first experience with US Bank. Recommend they provide this as an option moving forward to consumers to remain competitive.
Product: Mortgage

We purchased a new home in XXXX of XXXX and paid XXXX XXXX XXXX monthly up until our loan was purchased by New Rez late last year. Prior to the loan being sold, in XX/XX/XXXX, we reached out to XXXX  several times to inquire about canceling our XXXX, since we were qualified to do so. 

We went back and forth with them to get the process started but there always seemed to be a delay getting to the right person there. Finally, we learned from them that our loan was about to be sold and we were told they were unable to start the XXXX Cancelation process until the loan was moved. So, this past of the process delayed things until XXXX. Once the loan was officially sold, when we inquired about restarting the XXXX cancellation process, we were told by New Rez several times that it was still in the process of being moved and to call back. Finally, we were told for the first time that the PMI process could not be started for 60 days after the loan was moved. 

Neither XXXX nor New Rez told us that we had to wait 60 days after the loan was moved until after it was too late. In XXXX, as soon as the 60 days was up, I called to start the XXXX process. We were sent a form which we completed and mailed in with a check for {$190.00} to pay for the appraisal. The check was cashed and we were sent confirmation that it had been paiod. We were also told the process could take several weeks. When were never heard back after several weeks, I called in again and was told that nothing was being done as they were waiting for us to send in the completed form! I explained to them that the form was completed and signed by both me and my wife and then mailed in using the same envelope as the check they received and cashed. 

My wife and I both remember signing the form and enclosing it in the envelope with the check. We had been anxiously awaiting this step in the process for 4 months so the fact that they accused us of forgetting to put the form in with the check is 100 % not possible! 

I asked them why they had not contacted us to tell us to resubmit the form and they said that it was our responsibility to follow up. We did follow up and were told things were in process so that is just another example of them giving us the wrong information and delaying things further. Finally, they sent us a new form which we sent in electronically. We were told that it could take up to 14 days to schedule the appraiser to come out to our house. After the appraiser came out to our house and we completed the online form through his process, we were told it could take another two weeks to be completed. 

We have still not been contacted after 4 weeks. Throughout this process, we have done everything we have been asked to do and have continually been lied to and told things that caused further delays. At no point did we cause the delay. Meanwhile, we have paid an additional 6 months of our XXXX  on top of the {$190.00} we paid to have it canceled. 

These dalay tactics have put the extra cost to us at over {$800.00}.
Product: Credit reporting or other personal consumer reports

It's concerning how all three credit bureaus can share my personal information, potentially putting my data at risk. The fact that credit bureaus can sell my personal information to third parties is alarming. My sensitive data should be treated with the utmost care and confidentiality, not passed around for profit. It's crucial to consider who has access to my information and take steps to ensure my privacy and security are protected. My data should be safeguarded, not commodified for the highest bidder. I need to take control of my information and demand transparency and respect for my privacy rights.
Product: Credit card

I have been approve for capital one bank a credit card since XXXX 2015. They froze my account because of a fraud issue. Sent all my personal information many times every time I call customer service they restrict the accounts that I have as a join account too. This bank it 's really bad in customer services and policies. Someone has to do something against them because they affect my credit more.
Product: Debt collection

ideal collection stepped in trying to collect a debt in an inproper matter and not and threatened to take legal action as if it were a suit. when im in a suit with XXXX as the defendant and em as a plaintiff for funds thats owed to me and slander on a contract leased and not delivering agreement back like should.
Product: Credit card or prepaid card

Trying to activate card. The information is not correct somewhere and the card is " locked '' now so I can't activate it. When you call the number you just have to wait to go to customer service ( which I XXXX  this hack to get to customer service ). Asked her to help me and she tried to put me to automated service. When I said pleasd don't transfer me she hung up. Next lady didn't even let me say card was locked before she transferred me. This was after waiting 15 minutes each time to just talk to someone. They talk over you and are not interested at all in helping.
Product: Credit reporting or other personal consumer reports

I have not called the credit bureau and # not a complaint but I got notified to call other than attached documentation showing the difficulties with primarily XXXX and a little XXXX XXXX that is in progress I can not actually compare the reports at this time. XXXX XXXX allows me only so much information and XXXX breeches wont work with me keep being requested by the other two to do by mail but I am partly being held up doing so because mostly XXXX and some XXXX XXXX which keep requesting information to despite already sent so please know I despite being asked to call I really cant change much because of the other two. So no real issue at the time with this credit bureau. It will take time for other government agencies and credit bureaus above that may take 2 to 6 months my end, ( attachment ) citizenship ID etc and XXXX XXXX corrected some. So even if I called I can not do much except from memory and I did apparently have altered accounts making items default without my permission but I do need to wait. Mail was tampered after delivered. So I do need to wait. Also deductions credit cards opened by others I am not really able to do this at the moment if XXXX XXXX and XXXX request id etc.This may be a good thing for sending ID and through mail but I have already. Getting redundant. But this is likely at this time the most accurate credit report so I otherwise do not have much but what I already attempted. Please be patient with me as if it is still individual ( s ) or other agencies I really cant do much even over the phone. If asked I will call but I have to wait otherwise for the others to come in to semblance of order thank you
Product: Checking or savings account

Navy Federal closed my checking account and also my savings account without my consent. I was sent a XXXX payment from an unknown person and before i could find out what it was about they closed my accounts. I couldnt get information on why and i been banking with them for 5 almost 6 years. I was closed out my accounts on my mobile app and couldnt even appeal the decision.
Product: Credit reporting or other personal consumer reports

I sent a dispute in regarding inaccurate and incomplete information on my account : XXXX Account # XXXX and it has been over 30 days since they received my correspondence and you have not responded. 
This notice/correspondence was sent certified mail green return receipt : XXXX it was delivered on XX/XX/year>. 
Information that can not be verified must be deleted. 
when disputed information can not be verified is to delete that information. In particular, Section 1681i outlines consumer reporting agencies responsibilities in responding to consumers disputes and, like Section 1681s-2 ( b ), provides that when a disputed item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency must delete or modify it as appropriate, based on the results of the reinvestigation. 15 U.S.C. 1681i ( a ) ( 5 ) ( A ). Section 1681i goes on to provide that, [ f ] ollowing any deletion of information which is found to be inaccurate or whose accuracy can no longer be verified, the consumer reporting agency must in some circumstances notify certain people who previously received a report with the now-deleted information. That provision thus contemplates that when information can no longer be verified, the proper response is to delet [ e ] it. See XXXX, XXXX XXXX at XXXX
Product: Credit card

Take a look at the attached documents. I request the bureau to investigate these accounts, as they incorrectly portray me as late when I have been consistently on time with my payments.
Product: Credit reporting or other personal consumer reports

This company is no longer in Business. XXXX is no longer in service, and Experian reports that they will keep the incorrect information on the credit report as it reports as true. How can this be true if XXXX is no longer a company? 

Also, the information they are reporting is inaccurate, I had a forbearance on that student loan and always kept in in deferment, I have the proof in my email, however because the company is no longer operating, I can not open the account, I can only screen shot the actually email page, that shows that I was approved. 

I was notified today XX/XX/year> that the account stays as is and that is inaccurate. 

Please review the dates on the notices that I have to show that my student loans have always been in deferment status.
Product: Credit reporting, credit repair services, or other personal consumer reports

I NOTICED A CHARGE OFF ACCOUNT WITH XXXX XXXX XXXX THAT I DIDNT OPEN ON MY CREDIT REPORT. IT IS A FRAUDULENT ACCOUNT. IVE CALLED XXXX XXXX AND HAVE SPOKEN WITH MANY SUPERVISOR AND HAVE EXPLAINED TO ALL OF THEM THAT I DIDNT APPLY NOR OBTAIN A AUTO LOAN WITH XXXX XXXX. IVE EXPLAINED TO THEM THAT MY IDENTIFY WAS STOLEN A ALMOST 2 WHOLE YEAR BEFORE THIS CAR WAS PURCHASED AND EVEN EMAILED AND FAXED OVER THE POLICE REPORT TO VALIDATE MY STATEMENT.THEY IMMEDIATELY APOLOGIZED AN SAID HOWEVER SINCE THE DEBT WAS SOLD TO COLLIN ASSET GROUP THAT I WOULD NEED TO CONTACT THEM .COLLIN DISREGARDED MY CONCERN AND SAID I STILL WOULD HAVE TO PAY THIS AUTO LAON THAT I DIDNT SIGN UP FOR NOR AUTHORIZED TO BE IN MY NAME. I THEN CALLED XXXX XXXX BACK AND THEY SAID THEY WONT REMOVE IT AND THAT I NEEDED TO PAY TO HAVE IT REMOVED. THAT IS AGAINST THE LAW AND THIS ACCOUNT WILL BE REMOVED. I DIDNT OPEN THIS ACCOUNT, IT IS FRAUDULENT AND I NEED IT REMOVED FROM ALL THREE OF MY CREDIT REPORTS AND RECEIVED ALL OF THE POINTS BACK THAT I LOST FROM THIS FRAUDULENT AUTO LOAN ACCOUNT.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX debt bondage, which falls under trafficking according to XXXXDebt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of XXXX XXXX and would like for all listed account to be blocked and deleted company information from TransUnion. 

Please delete the following accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Theyve been investigating since XX/XX/XXXX
Product: Vehicle loan or lease

I have purchased a car using the loan from Chase while I was in California. I paid off the loan in XX/XX/2018. I have been waiting for my title at my address. They did not send me the title for 18 months. I called them five times to send my title, they always said, I will be getting my title. After six months of wait time, I called California DMV and figured out that they have sent my title to wrong address because Chase has provided the wrong address to DMV California. Now DMV says they can not deliver the title to my new address. It was Chase responsibility to deliver my title to my address. I filed the case in XXXX, Chase representative, XXXX XXXX called me and promised to send me the documents to me to filled up and send that to California DMV. I forgot to tell him that I moved to new address. According to XXXX, the documents he sent end up to my old address. 

I have fully paid the vehicle and I need to get my title without any hassle. After paying off my car for more than two years, I am still not getting the title. I have lost my mobility because of not getting my title. I thought of selling the car, but that can't happen without receiving the title. I called XXXX XXXX several times and left voice message to resend the documents to my new address but I never heard back from him for several weeks. 

This is complete misuse of bank 's power and authority. I took full responsibility and paid the principle and interest to bank, now leaving me without title because of their mistake is unacceptable. I took my responsibility and I want them to take their responsibility.
Product: Credit reporting, credit repair services, or other personal consumer reports

My wife Died XX/XX/21 she had a XXXX XXXX  card after she Died XXXX was sending a Bill every month for Less than {$20.00} Dollars. Didnt think I was responsible for it was in my wifes name. Found out later that I was on it as a user found out my Daughter was on there as a user also. She received a bill on it. So we paid it. Closed Account. So dont think I should be punished for {$20.00} and thats the on late charge that I know of in my XXXX years of being alive. I have a couple of homes paid for and the only credit I have is a new car payment. Trying to get a XXXX mortgage with a low interest rate which isnt very low.and thats on my credit report.
Product: Debt collection

This debt was paid back in 2011 for a version bill that was paid way before it went to a debt collection agency. I want it removed off my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my ANOTHER endeavor to tell 3 CREDIT BUREAUS that I am a victim of identity theft and to complain specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS are required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXXXXXX XXXX XXXXXXXX XXXX : {$0.00} XXXX XXXX XXXX Balance : {$42000.00} XXXX XXXX XXXX Balance : {$12000.00} XXXX XXXXXXXX XXXX Balance : {$1800.00} XXXX XXXX  Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXXXXXX Balance : {$1000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, 2017, Equifax announced a cybersecurity incident potentially impacting approximately 143 million U.S. consumers. Upon visiting equifaxsecurity2017.com and entering my credentials, I received the following message : " Thank You -- Based on the information provided, we believe that your personal information may have been impacted by this incident. '' This indicates that some or all of my personal information held by Equifax has been compromised, which places me at significant risk of identity theft and/or financial fraud. This situation is made worse by the apparent incompetence of Equifax in its digital security practices, which indicates possible gross negligence of their handling of personal and financial information of consumers.
Product: Debt collection

I first received a garnishment order from XXXX and XXXX for Midland credits for a XXXX XXXX credit card of {$780.00}, on XX/XX/XXXX. I was not notified of any such debt before the garnishment order was granted. I then check my credit report and it was not listed as a collection debt for any XXXX XXXX account. I then went through the court to reverse this and it was granted in my favor for them not notifying me. I then received another garnishment order from the same company and the same file number from the sheriff on XX/XX/XXXX. This time the amount is different {$1100.00} plus costs. Here again. There is prior notification to me to dispute this debt. I never received one piece of information for this account or a court date to appear to dispute this account. This time, it just shows it was eSigned from their company and no letter was attached.
Product: Credit reporting or other personal consumer reports

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two  parties and I did not participate in any of it. 
I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. This collection found within my credit report is not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts.
Product: Credit card

2023 PURCHASED XXXX  XXXX XXXX XXXX FOR AC UNIT. TECHNICIAL NOT XXXX TO PERFORM CORRECT SERVICE. CHARGED {$39.00} XXXX PAID BUT XXXX FAILED HAD TO SECURE ADDITIONAL SERVICES DUE TO QUESTIONABL AND UNAVAILABLE TECHNICAL SUPPORT. HONE DEPOT HAD COMPKAINT BUT FAILED TO RESOLVE AND TO DATE IGNORES! SECOND ISDUE AT ABOUT SANE TINE XXXX XXXX LAWN MOWER. THIS XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX REQUEST AND FOUBD ISSUE i consider fraud. I repirted to XXXX XXXX hone deport but once again they ignore. XXXX ignore the state of fl dept of agriculture and to date will not respond. In favt they can even ignore you. XXXX SOME COBDUNER PROTECTION. XXXX XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to request proof that the account listed on my credit report with the following information belongs to me : - Account Name XXXX - Account Number XXXX - Balance {$720.00} I dispute the accuracy of this information and request that you provide me with documentation that proves this account is mine. Please provide one or more of the following documents : - A copy of the original contract or agreement - A statement or invoice showing my name and address - A payment history or record of payments made - Any other documentation that verifies my ownership of this account I request that you provide this proof within 30 days, as required by the Fair Credit Reporting Act ( FCRA ). If you are unable to provide proof, I request that you remove this account from my credit report immediately. Or please delete
Product: Credit card or prepaid card

I hope all is well ... 
The reason why Im writing is because my bill was a couple days late believing I had to pay {$580.00} because I called on the XXXX when my bill was due explaining I didnt have that much money to pay I was gon na have to borrow it from my mother or someone and it was gon na take a couple days for me to gathering that much money. I normally always pay on time before the pandemic. When I called on XXXX20 I spoke to a representative that advised that I could pay {$170.00} and will bring my account current so I told him to go ahead and take the payment. I wish I would of knew this on the XXXX and my payment would of been on time this is not my fault at all. I had one other later fee in XXXX that is when the Pandemic started because before all of this Im not ever late my hours have been cut on my job and at first I wasnt working at all. I feel the late fee should be taken off because I was not aware that I could pay a lesser amount on the XXXX because if I knew that it would been paid on time not my fault the representative advised that I had to pay {$580.00} to bring my account current and it is currently current with only paying {$170.00} by another representative telling me so Im getting different answers and thats not right at all. I have everything, screenshots, documented and recorded on my phone. Im XXXX  and I have had XXXX XXXX  back to back so I dont need the stress with this new XXXX and I cant afford the late fee with this pandemic. Thank you for your time. Have a wonderful day.
Product: Credit reporting or other personal consumer reports

Request of deep investigation according to my credit records XXXX XXXX, and XXXX XXXX XXXXXXXX, account are incorrect in amount, type of debt and liability, this account should be remove immediately from my public record since they are affecting my credit development and opportunities of growing. 
I also see some enquiries not made by me and I would like to be review and remove if there is not attach to my person and the enquiries I will mention : XXXX XXXX Inquired on XX/XX/XXXX Business Type : Auto Financing Companies XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX Business Type : Auto Financing Companies XXXX XXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX Business Type : Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX Business Type : Auto Financing XXXX XXXX XXXX Inquired on XX/XX/XXXX Business Type : Bank XXXX XXXX XXXX XXXX Inquired XXXX XXXX XXXX, XXXX Business Type : Automobile Dealers, New XXXX XXXX XXXX Inquired on XX/XX/XXXX Business Type : Finance Companies - non specific XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX Business Type : Finance Companies - non specific XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX Business Type : Finance Companies - non specific I didn't summit this enquiries and I will need all of them to be removed from my public record, I also have no found record with XXXX XXXX and XXXX XXXX XXXXXXXX XXXX this being said I also need this mark off my records according to the ( FCRA ), also I need a copy of the outcome for this investigation
Product: Credit card or prepaid card

A Ach deposit was made into my account XX/XX/2020 under another name it's been sitting for 3 years and the originator has not requested it bk the account is still frozen and they will not close it I can not acces my statements and get legal help no one is helping me