23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I currently have a 5 year adjustable rate mortgage with Capital One that was coming due at the end of the year. I contacted Capital One to get information about possibly converting to a 15 year or 30 year fixed rate mortgage to compare with my renewing my existing mortgage. Capital One refused to let me see a contact to have my attorney review. I was told to give credit card info and they will send me documentation with all fees, rates, closing costs etc. and my credit card would not be charged unless I went ahead with the mortgage loan application. I did not accept the fixed loan options but Capital One went ahead and charged my credit card {$450.00}. I have reached out to Capital One and they forwarded my concerns to their Advocacy Team who have been very arrogant. They and the mortgage team at Capital One claim they can not see my current mortgage information even though it is with Capital One. Capital One bought out ING who was an outstanding financial institution to do business with. Capital One mortgage personnel were high pressure, doom and gloom spewing and had no regard for the customer and did not listen to what I was asking even though I repeated clarified that what I wanted was just information on rates and costs associated with the different mortgage options. A mortgage is usually the biggest financial decision most people make in their lives. Capital One believes that customers should not be able to see the actual mortgage documentation and should make a decision based purely on a verbal estimate from their mortgage specialists. Wow. Their mortgage specialists have no regard for the customers best interests and are driven to sell costly options which only benefit their own sales personnel.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Accounts XXXX XXXXXXXX XXXX XXXX  Account # XXXXXXXX XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

I get repeated emails to XXXX, my secondary email address. This is todays but they come 2-3x per week : " Let 's talk solutions Hi XXXX, Your Sam 's Club Mastercard account is past due. Reminder, Synchrony reports your account status to XXXX, XXXX and XXXX credit bureaus monthly. 
Current Balance Total Minimum Payment Due Due Date {$110.00} {$31.00} XX/XX/2023 No login? No problem Click Here and Select Pay As Guest We're here to help XXXX Call us Weekdays XXXX XXXX.XXXX XXXX  Weekends XXXX XXXX XXXX XXXX XXXX Note : This email is an attempt to collect a debt and any information obtained will be used for that purpose. Account is owned by Synchrony Bank. 

If you do not wish to receive any future collection communications from us via email, please click here to unsubscribe. 

This email was sent to you by Synchrony Bank to provide important information about your account. You may receive collection emails even if you have requested not to receive email marketing offers from Synchrony Bank. For more information about the security of your information, please read the Synchrony Bank Privacy Policy. Synchrony Bank is located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Head off identity theft before it happens. For more information about identity theft, please visit the Federal Trade Commission 's ( FTC ) consumer website at https : //www.identitytheft.gov. 

This is an unmonitored email box. Please do not reply to this email. 

We respect your privacy. Click here to read our Privacy Policy. 

XXXX  Synchrony Bank XXXX XXXX " but these provide no quick or easy way to contact the bank to draw their attention to the fact that I am NOT XXXX XXXX ( nor is any member of my family ) and I deeply resent that THEIR error is pushing costs off on to me. They should be required to maintain a WWW site/email account where these issues are easily addressed -- especially as they are using electronic means to contact me. 

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

15 U.S.C 1861 section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account with MY WRITTEN INSTRUCTIONS ( XXXX XXXX XXXX ) Account Number XXXX at Address ( XXXX XXXX XXXX XXXX XXXX XXXX KS XXXX ) ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX CA XXXX ( XXXX ) XXXX Account Number : XXXX Account Number : XXXX Has been reported as pasted due. I do not know this company. I have never done any bussiness with this company. this company does not have a contract with my signature.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 Bank of America reported a new credit inquiry which i did not authorize
Product: Money transfer, virtual currency, or money service

I had a dispute with a seller about a transaction which I initiated through Paypal and then initiated a chargeback through XXXX. This was done on XXXX, XXXX. Fast forward today, paypal claimed that I won the case and they sent the money to Visa a long time ago ( in XX/XX/XXXX ). I have confirmed with chase that they have never received any money from paypal or visa either. In addition, XXXX claims that they can not speak to Visa on my behalf either. I need to speak with someone at Visa because the funds are now missing and Paypal and XXXX does not have them. I tried to speak with Visa before and they told me to speak to XXXX, who again, is telling me they can't contact Visa. 

When contacting Paypal they are incredibly unhelpful. For example they are sending me messages ( even meant for the seller ) saying that the transaction has no seller protection ( even though the Buyer ) In summary - The buyer ( me ) doesn't have the funds. The seller ( siegestudios ) doesn't have the funds. Paypal claims they don't have the funds and sent the money to chase. 
XXXX claims they don't have the funds. Paypal is telling me to contact XXXX because the case is closed. XXXX is telling me to contact paypal because the case is closed. 

Where is the money???
Product: Credit reporting or other personal consumer reports

I have inaccurate information reporting to Chex systems. This bank is no longer a company. There is no way to reach this bank and when I asked for validation of debt it wasent provided by Chex systems, yet it came back verified and they failed to remove this account. Chex systems is a third party company so my question is how and who verified this information. Below I copied and paste the information that was given to me by Chex systems. I also have some inquires thats reporting to Chex systems thats not valid. Everything is copy and pasted below. 

Source of Information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone Number : Telephone Number Not Available Reported For : XXXX ; REPORT IS DISPUTED BY CONSUMER ( S ), AND VERIFIED ACCURATE BY XXXX ; Reported Name : XXXX XXXX Reported Address : XXXX XXXX XXXX XXXX XXXX XXXX ChexSystems Date of Closure : XXXX XXXX XXXX XXXX XXXX XXXX Original Charge Off Amount : {$360.00} XXXX XXXX  XXXX XXXX XXXX Unknown inquiries thats also being reported are attached below Inquires : 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 XXXXXX/XX/XXXX
Product: Payday loan, title loan, personal loan, or advance loan

I owe this company money and I have been in communication with them but now it is like I am being dodged. I was sued in the middle of the pandemic after almost XXXX XXXXXXXX XXXX XXXX XXXX XXXX  and almost XXXX XXXX  XXXX. I was in contact with them to make payments when i was finally able to pay something. Not only have the given me the run around when talking to them nobody takes notes of our conversations as if i havent talked to them. I do not work a regular job XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX so I am trying to make things right with payments but nobody is returning my calls. The economy is horrible and its hard just to feed ur kids and im struggle with my XXXX and all im asking is to come up with something. Ive never ran from this debt but i also cant pay u money i do not have. Its sad i had to come here in order to get a resolution. XXXX or XXXX at their lawyers office never put in notes after i spoke with them about making payments. I couldnt make much payments because i was being garnish for a debt that wasnt mine and also my car was being repaired and the mechanic ripped me off as well.
Product: Credit reporting or other personal consumer reports

There is a business named Portfolio Recovery Associates that is running soft checks on my credit report multiple times per month. I want them to stop. I have never done business with them, they have NO accounts for me that I am aware of, yet they are accessing my credit report multiple times per month. In some cases, several times per week. They do not have my permission to be accessing my credit report AT ALL. 

My credit score is over XXXX and I have no collection accounts so they have no business with me.
Product: Vehicle loan or lease

While purchasing a pre - owned vehicle from XXXX XXXX XXXX XXXX XXXX XXXX, I was told I was being financed by my local credit union as I had requested. When it was time to sign the paperwork for the loan application and tag transfer all of the documents were stacked one on top of the other and highlighted. I was told that I was signing a loan APPLICATION for my credit union however, in reality and unknowingly to me, I was signing a contract for a different financing company with a MUCH higher interest rate. However I didnt know this until days later after reviewing a USB drive. tick that had edited versions of SOME of the documents I had signed on it. I have since had a multitude of issues arise with the vehicle that is supposed to be under warranty from both manufacture and the dealership currently. Neither the dealer nor the manufacturer are making a reasonable effort to honor their warranties. Furthermore, I was not only sold a lemon, and misled during signing but I was also lied to about the condition and history of the car!!!
Product: Credit reporting or other personal consumer reports

I did not ask XXXX  XXXX XXXX  to run my credit and I did not contract or agree for them to put anything on my credit consumer report nor run my credit on XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

please delete the following accounts and inquiries now XXXX XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX. 
XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  XXXX  XXXX Date of inquiry : XX/XX/XXXX XXXX  XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX, XXXX XXXX  XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX
Product: Debt collection

INDEMNITY BOND with the Department of the Treasury not being honored to DISCHARGE debts by Chase bank.
Product: Credit reporting or other personal consumer reports

Addresses listed on my credit report are addresses I Do Not Live At and I would like to prevent identity theft by having them removed from my credit report, I Have attached documents of accurate information.
Product: Checking or savings account

Hello, I have personal checking and saving bank account with Capital One. I am supposed to receive a deposit for a scholarship today into my checking account. I have not received that deposit. Capital One is currently in the news for not making deposits into customers ' accounts on time. I am now one of those customers. I attempted calling the company twice as I live in Indiana and do not have access to a physical branch. Despite calling, I could not get in contact with an actual living human representative, nor was I given any clear options for dealing with my issue in the pre-selected menu. I now have no recourse with my bank, have no access to deposited funds that should be in my checking account, and have received no communication from Capital One regarding this issue or its resolution apart from the banner at the top of their website that reads, " We are currently experiencing technical issues. We are working to fix the problem as quickly as possible. '' This is absolutely unacceptable.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to request that the account charge-off placed on my credit report be removed. Under the Fair Debt Collections Practices Act ( FDCPA ), This is not a request for validation, I HAVE ALREADY SENT SEVERAL ID THEFT AFFIDAVITS I WILL NOT SEND ANYMORE, furthermore The information in this ID Theft Report is clearly LEGIBLE. There is no need to request for further identification Equifax and Experian and TransUnion claim to verified these accounts yet have not sent Any Verifiable proof, or proof of their investigation procedures. 
The XXXX Account was established in XXXX of XXXX The address attached to this account differs from the address I have lived at since XXXX The payments made on this car was drawn from a bank account that is not mine, this bank account was opened from an address that is not my address. 
The Co-signee on the accoiunt is NOT RELATED TO ME I do not know him. He is in fact of a different race.
Product: Credit reporting or other personal consumer reports

I was informed that my personal information was compromised in data breach and I am requesting the following accounts to be blocked /removed from my transunion experian/equifax credit reports within 4 business days under 15usc1681 c-2 account ( # 1 ) .XXXX XXXX acount # XXXX balance {$26000.00} account ( # 2. ) XXXX  account # XXXX balance {$63.00} account ( # 3. ) XXXX  balance {$170.00} account # XXXX ( # 4. ) XXXX XXXX XXXX XXXX balance {$500.00} account # XXXX ( # 5. ) XXXX  acount # XXXX balance {$1400.00} i am victim Of idenity theft and a data breach and am demanding these accounts to be blocked removed within businesses days from my transunion XXXX  and XXXX consumer reports under 15usc1681c-2 I am attaching a ftc report XXXX XXXX as proof.
Product: Mortgage

While searching for a lender to apply for a new purchase VA loan, I was promised by XXXX XXXX at Fairway Independent Mortgage Company in XXXX, DE that she could match any interest rate from a competitor. Because of this promise, I chose to apply with her and continue searching for better rates that she could match. After finding a rate that was significantly better than the rate at Fairway, I presented it to XXXX. She came back to me with an offer of a rate that was between Fairway 's rate and the rate I presented her. When I asked her why she was not matching the rate as promised, she said they would lose money on the transaction. I felt that I was promised something that they could not deliver in order to capture my business.
Product: Credit card or prepaid card

XX/XX/1922, i purchased a item online from a company called XXXX XXXX I paid {$360.00} for this item I've filed over XXXX disputes, rebuttals, and dispute and they keep getting denied a couple minutes after I file them this item was returned back to the merchant because the item i ordered was not what i received the XXXX was damaged XXXX nit as advertised i paod XXXX for things I ordered I shipped this item back to the merchant on XX/XX/1922, the merchant ashinmary hair received this item on XX/XX/1922, they merchant emailed a verbal agreement, saying once they received the item ba k they'd send me my full refund, XXXX that went from you posted a fake review up about us if you removed the trustpilot reviews we promise our ma XXXX will via XXXX or directly to you take the post down the merchant trying to blackmail me and withholding my refund after they already received they item back they also said they'd pay half for the shipping they didn't the chime investigation team is helping this merchant and not the chime customer they are supposed XXXX help me they reasons for denying my credited refund is because error in validating transactions I don't understand i used the chine card I sent then the XXXX transaction i.d . number the receipt all the emails of out conversations, pictures of the wig i have called this chine bank over XXXX times. Each time they denied my dispute I never received a email so I wouldn't even know the dispute was denied I've been doing this for 3 months calling XXXX times a day going in circles XXXX. XXXX has no XXXX no supervisor no ceo no headquarters i read they are not legal to be running a. Business it says XXXX XXXX  and stride bank owns chine bank finacial card they won't talk to you either they make it to where there. XXXX to contact t to help you only the intake people the dispute supervisor who's to are only intakes than the dispute investigation team whom your. It allowed to talk to so they can make wrong decisions on your money and you XXXX  complaint it's a scam this is like XXXX  they do the same thing i need my refund chine bank is supposed to help me the merchant will not give me my return the merchant is in XXXX it's international theyvare both trying to stall til I getvtired and leave
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, While checking my most recent credit report, I noticed Fraudulent credit inquiries that I do not recognize and did not authorize anyone to pull my credit report. The inquiries made by the below listed companies : Equifax : XXXX XXXX XXXX/ XXXX XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX via dealer/ 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 XX/XX/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 XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please validate info with these companies and provide me with a copy of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file you maintain under my Social Security Number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611. By willfully violating the FCRA, I am willing to settle your civil liability damages I have suffered as a result of your violation for {$1000.00} pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ]. Should you fail or refuse to settle the matter by tendering payment in the amount of {$1000.00} within ten ( 10 ) calendar days of receipt of this notice and demand, I will seek actual damages which are greater than {$1000.00}. Send payment immediately via Certified Funds to : XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX  XXXX, VA XXXX. 

Attached are copies of my state ID. 

Warm Regards, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Theres two inquiries from XXXX on my credit report that I do not recognize. XX/XX/XXXX and XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

I XXXX XXXX, consumer and natural person who is a victim of identity theft. XXXX, Experian, and XXXX had used and furnished my consumer report without my authorization consent or written instruction. My information was shared to nonpublic personal information without my consent and also used that information to furnish. Congress makes it clear that the consumer has a right to privacy by failing to meet the needs of congress by ensuring that they exercise their responsibility with respect to the confidentiality of my personal information. The Fair Credit Reporting Act was intended to insure that consumer reporting agencies exercise their responsibility with fairness and respect to the consumer right to privacy Under the Gramm Leach Bliley Act of 1999. I enclosed all documentation social ID and statement.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX  GA XXXX Re : File Number : To Whom It May Concern, Consider this letter a formal instruction and unequivocal authorization to immediately remove and delete the inquiry made by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, from both the consumer report and file associated with the SSN and File Number referenced above. I expect full compliance with this demand, as it is well within my rights under 15 U.S. Code 1681 of the FCRA and 16 CFR 313.3 ( o ) ( 2 ) ( D ).

Failure to comply with this directive within 5 business days from the date of receipt of this notice will be viewed as a deliberate violation of my rights, and I will not hesitate to pursue all legal avenues available to rectify the situation and seek appropriate remedies.

To emphasize the urgency of this matter, I demand your immediate attention and action. Remove the aforementioned inquiry without delay and ensure its complete eradication from all pertinent records.

Attached for your reference and verification are the following supporting documents : 1. FTC IDENTITY THEFT REPORT I expect a written confirmation of the inquiry 's removal within a reasonable timeframe, affirming that my consumer report and associated file have been thoroughly purged of this derogatory information.

Take this demand seriously, as any further delay or noncompliance will be met with swift and decisive action. 
Regards, XXXX XXXX