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

My Cap One Platinum Credit Card Account that I have had for almost 6 months was closed by capital one and adversely affected my credit score. I recently had to switch bank accounts and the account I added to pay the bill had sufficient money in the account and I have no idea why the payment was returned. 

Capital one said there was insufficient funds which is not true. I contacted the bank and they said they never had any kind of electronic payment go through but the account information that I gave Capital One was correct. I do not feel my account in good standing should have not been closed and credit history ruined because of a returned check that wasn't even a payment to this account. The payment that was made on a different capital one account was the correct account number and that had the funds to make good on the payment. 1-2 returned payment in a year does not erase a lot more payments that were good and on time. Please reverse this closing to my account ( s ) that has been paid on frequently with correct bank accounts. I will include bank statements from the bank account number that was added to the account and verify that the accounts were good and in good standing. Thank you, XXXX XXXX
Product: Vehicle loan or lease

On XX/XX/22, I leased a new XXXX XXXX XXXX from XXXX XXXX XXXX in XXXX XXXX, CA. The agreed upon price including my trade in was a XXXX mo. lease with zero drive off at {$450.00} per month INCLUDING Tax at a rate of 9.5 %. Upon review of the lease contract the following day, I noticed an error in the amount of tax charged and notified the dealer of the error. They told me not to worry that the contract was correct. When I received my statement from Chrysler Capital indicating a monthly payment of {$450.00}, I explained that the dealer had made an error in calculating the tax and that the payment was now more than I agreed upon as well as an amount different than my lease contract indicates. Chrysler Capital explained that they must collect the correct amount of sales tax and can not go back to the dealer to remedy the shortage from their proceeds to arrive at the agreed upon payment of {$450.00} per month including tax. 
I feel this is a breach of contract by the dealer to clearly indicate an incorrect amount of tax to show a total payment of {$450.00} to get me to sign knowing that Chrysler Capital will catch the error and charge the consumer the difference without demanding that the dealer correct the contract with the customer. Both the dealer and Chrysler Capital are unwilling to remedy the discrepancy.
Product: Credit reporting, credit repair services, or other personal consumer reports

some one in XXXX  Kansas open 2 auto loans and they appear on my credit report, one was made on XX/XX/XXXX and the second one was on XX/XX/XXXX same dealer ship XXXX XXXX XXXX XXXX XXXX, Kansas Phone XXXX-XXXX-XXXX, I also did disputes on XXXX XXXX, Equifax and XXXX  but they respond that the account is legit, I also did a police report, and the respond me that they investigated that person, and what they came out was that Social security gave that person the same number as mine we have almost the same name but one last name different.
Product: Credit reporting or other personal consumer reports

I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 
XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$6300.00} XXXX XXXXXXXX Balance Owed XXXX {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$3800.00} XXXX XXXXXXXX Balance Owed : {$7900.00} XXXXXXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance Owed : {$1600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I made all of my payments to Credit Acceptance within the 30 days that was required before reporting negatively to credit reporting agencies. The company has only reported my last payment as late, which again was not 30 days late. The payment is due on the XXXX, I made the payment on the XX/XX/XXXX. I then learned in making the last payment that late fees magically appeared. This was then going to add a payment, that was not expected. The vehicle has been paid in full since XX/XX/XXXX, then an added payment of {$340.00} in late fees. This has negatively effected my credit I have worked so hard to fix since my divorce in XX/XX/XXXX, and impacted my ability to purchase a new home. I have contacted Credit Acceptance and disputed their information they are reporting. They have refused to remove the information, therefore I am looking to take the next steps.
Product: Credit reporting, credit repair services, or other personal consumer reports

Reached out to equifax multiple times for multiple months via CERTIFIED MAIL regarding unauthorized inquiries. They advised me to file an FTC report which I did. It has been months and no responses nor removals.
Product: Debt collection

My HR person at work informed me that they received an income execution order from the sheriff from Portfolio Revovery Associates. I have no idea what credit card they sued me for. It must be old debt from when I was out of work in XXXX or so. The county clerk papers are dated XX/XX/XXXX & XX/XX/XXXX. Yet the Sheriffs papers are dated XX/XX/XXXX. Now my hr is saying this starts XXXX  and it will be 10 % of my gross before taxes & insurance comes out. How? In this economy? And from when XXXX or 10 years ago? Please help
Product: Checking or savings account

I received a call on XX/XX/XXXX from the bank phone number from a man claiming to be from the bank 's fraud department to verify wires. He had my full DOB and SSN. I also verified 10 recent authorized transactions. He sent a link for me to login to my account to allegedly shut down access. During the call he was able to send 82 wires out during a 3 hour span of time. The bank notified me of returned wires which was when I found out about the fraudulent activity. At that time it was 16 wires that had been put through. 2 of which were returned. The bank shut down access to our account and notified their fraud department. At that time I was told it was 16 wires for several XXXX XXXX dollars. The next morning on XX/XX/XXXX I was informed it was 52 wires and {$4.00} XXXX. On Monday morning XX/XX/XXXX I was informed it was 82 attempted wires and 5 ACH 's. We send about 1 to 2 wires per MONTH. This was for sure not typical activity or amounts occurring on our account. The bank did not have fraudulent activity alerts in place for this to have been stopped sooner nor did they shut down access to the account soon enough. Additionally, they informed me on XX/XX/XXXX that I would be receiving a call daily to authorize checks to clear and attempt to use our account. I asked if I should notify anyone their checks would not clear and was told I did not have to. I was then told that some checks were allowed to process without my authorization and only when I asked was I given the detail of the checks processed. On XX/XX/XXXX I asked for an update and was told that $ XXXX had been retrieved and they were working on sending hold harmless letters out to other financial institutions and gaining access to our account. I got back into our account but they processed more checks without my authorization. I then was told by vendors on XX/XX/XXXX that vendor checks were not clearing. After several attempts to call for an update, I was given no return calls or updates on our account. I sent several emails and text messages and called our relationship management representative and received no phone call back until XX/XX/XXXX. Their stance is that this is all my fault and no credit will be given back. They claim that we received emails and texts informing us of potential fraud yet also informed me this had just happened to them last week and happened to other people this same day.
Product: Credit card or prepaid card

On XX/XX/2022 I purchased kitchen cabinets, counter tops, and labor and signed a Lowe 's store contract for such items. It is now XX/XX/2022 and no cabinets, no counter tops and I have been making payments towards this very expensive purchase. Now after several unreturned phone calls to the store ( Lowe 's store # XXXX in XXXX, NV ) The store 's employee wanted to recharge me the amount due to a system error. I told the employee no and he transferred me to the Manager which the call got disconnected. I called My Synchrony customer service for Lowe 's store credit card and the customer service representative told me up to 90 days to research and they do not control the store or their items. I asked for a full refund since nothing has been done and I am paying for kitchen cabinets that were never installed nor counter tops. The customer service representative would not give me a claim or dispute number. She told me it has been noted and I will receive a letter. 

I have been making {$500.00} a month payments since XX/XX/2022. This is not right and I feel I am being taken advantage of by Lowe 's and My Synchrony.
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or removed. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX
Product: Student loan

Paid in full XX/XX/XXXX Loan Number XXXXXXXX XXXX XXXX XXXX  - {$8100.00} Loan Number XXXXXXXX XXXX XXXX XXXX - {$8000.00} Paid in full XX/XX/XXXX Loan Number XXXXXXXX XXXX XXXX XXXX  - {$8000.00} Records of these transactions were intentionally hidden and refused by Navient despite numerous records requests by both XXXX XXXX ( self ) and XXXX XXXX ( mother ) over XXXX 10 year period while servicing XXXX XXXX 's student loans from XXXX XXXX XXXX and XXXX XXXX XXXX in an effort to prevent legal representation seeking restitution. These records were only provided after a CFPB ruling removing loan servicer status from Navient, but before being transferred to XXXX, and an accusation of fraud backed by an XXXX transaction number proving the transaction took place. 

I am refiling this as Previous complaint ID : XXXX did not address these.
Product: Credit reporting or other personal consumer reports

Unauthorized inquiries on my credit report XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX 2024
Product: Debt collection

On XXXX we signed an agreement for a roof for our house about XXXX sq.feet for {$49000.00} with XXXX XXXX in XXXX in XXXX, which according to everybody was gouging. /I am over XXXX They offered XXXX y no interest financing. I started to pay regularly and according to my records I paid {$39000.00}. According to their partial record I already might have paid the whole balance. About XXXX months ago they added XXXX accounts where they charge me {$10000.00} where they charge me once for work, the other month for material and the other month for stucco. All of that to my and everybody understanding should had been part of the job. Stucco was only narrow strip on the roof, poorly done, which should not be charged for. They also should not add accounts during the loan without my approval. Now I am asking them already for many month to send me XXXX statement with my payments and what I owe, if any, which is a normal procedure in US. 
This company- called Service finance keeps on sending me this additional bills, which should had been included in the initial bill for my not a big house. I was dealing with XXXX XXXX from XXXX XXXX and now I am corresponding with XXXX XXXX, XXXX XXXX XXXX  XXXX from Service Finance XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Florida XXXX XXXX Phone XXXX XXXX, Direct XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX - he is a XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a collections account on my credit report that I have attempted to dispute with TransUnion. After submitting a dispute and mailing my documents to TransUnion, they claimed they didn't get my documents and asked the collections agency to verify the account. The collections agency verified the account, said they own it and TransUnion ruled with the creditor - without receiving or reviewing my documentation. 
The problem is that, while the collections agency might have an agreement with the original creditor, I also have an installment plan with the original creditor that I'm currently making payments on. Due to this, I'm stuck in a situation where the creditor and collections agency have a dispute and TransUnion is forcing me to manage that if I want my credit cleaned-up.TransUnion refuses to recognize this and update my account accordingly. 
To make matters worse, TransUnion 's website is regularly broken and will not allow me to submit a dispute with documents attached. I've talked to multiple people in their customer support and nobody will take ownership of the issue and help me resolve. They pass me between different agents and eventually hang up on me with no resolution. 
( Due to quarantine issues, I'm not able to go to the post office. ) It is not my responsibility to ensure TransUnion reports accurate information on my credit report - its TransUnions responsibility. Just because the collection agency confirms and claim they own this account does not mean they do. There appears to be a dispute between the collections agency and the creditor about this account. Its not my responsibility to manage disputes between collection agencies and creditors.Its TransUnions responsibility to ensure my credit report has accurate information and based on the attached documents, the above collections account is not accurate and needs to be removed no later than XX/XX/2020.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The Account below violated my federally protected consumer right to privacy and confidentiality under 15 USC 1681 This vehicle was repossessed by XXXX XXXX XXXX in the State of CALIFONIA on or about, XX/XX/2015, and resold. 

Under the laws of the State of CALIFONIA UCC XXXX and State XXXX and XXXX statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given and all of the allowable redemption and cure time limits were adhered to. 

XXXX XXXX XXXX Account number XXXX
Product: Credit reporting or other personal consumer reports

After Reviewing my Credit Report with TransUnion I noticed Inquiries on my TransUnion Credit Report that I did not Authorize that are not connect to any account on my credit report by these banks of dates listed, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. According to 15 USC 6802 ( d ) A financial institution shall not disclose, other agency an account number to similar form of access code or transaction of consumer. According to 15 USC 1681 ( b ) I did not give written consent nor instructions for any inquiry to be allowed to report to TransUnion Credit Bureau. Please verify all written letters. 18 USC 1028A Aggravated Identity theft. TransUnion Credit Bureau has committed a crime according to 18 USC 2028A XXXX XXXX XXXX. Please remove all inquiries on my credit Report with TransUnion
Product: Credit card

I was notified by XXXX and American Express ( AMEX ) that XXXX would be handling XXXX credit card accounts starting XXXX XXXX, XXXX. In early XXXX I received new XXXX XXXX cards ( personal and business accounts ) with the XXXX logo. I went online as instructed to register with XXXX that I had received the new cards. On XXXX XXXX I attempted to use the new XXXX XXXX cards but they did not work. I contacted XXXX first and they had no record of the cards. After many conversations with XXXX, AMEX and XXXX I was led to believe that AMEX decided no to sell my account to XXXX. At first AMEX told me they wanted to keep my account because I had been such a good customer since XXXX. I explained to the AMEX customer service rep that I had already opened a new AMEX Simply Cash card account and that I also had AMEX XXXX and AMEX XXXX XXXX co-branded cards. I further explained that I did need a fourth AMEX account and that I wanted my account transferred to XXXX as I was originally told. AMEX also told me on XXXX XXXX that XXXX was having technical issues and that my account should transfer by XXXX XXXX or XXXX at the latest. I checked back XXXX XXXX and AMEX told me that some of the accounts like mine would not transfer until early XXXX but I would get an email on XXXX XXXX explaining what would happen to my account. When I did n't receive an email from AMEX on XXXX XXXX I called again and was told my account would not transfer because XXXX refuse my account which XXXX adamantly refutes. I had credit lines totaling over {$100000.00} with AMEX and an XXXX FICO score. AMEX told me on XXXX XXXX that I would be mailed a letter that day explaining why my account did n't transfer and detailing my options. I received the letter on XXXX XXXX but there was no explanation. I called customer service again on XXXX XXXX and asked that I be given an explanation but AMEX refused. I was forced to apply for a new credit card with XXXX ( which was instantly approved ) but I did n't want to have that on my credit report.
Product: Credit reporting or other personal consumer reports

XXXX, experience, XXXX XXXX I have a historical loan delinquency when I dont because I want total bankruptcy in XXXX just got a loan in XXXX cant rebuild my credit because of the 3 big credit bureaus
Product: Mortgage

Picture ( XXXX ) from property tax website payment show no payment on XX/XX/XXXX to XX/XX/XXXX, there no any credit to my account. 
Picture ( XXXX ) from mortgage bank send to me escrow history there show XX/XX/XXXX to XX/XX/XXXX escrow charges each quarter on my account but not show payment on property taxes website. Also I receives bill from property taxes department arrears pictures ( XXXX ) there show company doesnt pay my property taxes but charges me every quarter. They double charge me again XXXX used payment these arrears.
Product: Money transfer, virtual currency, or money service

The following attached letter that I sent to Bank of America through certified mail explains the problem. BOA never responded to the letter attached herein. When I contacted them through the phone, they hung up on me twice and the third time told me they can't do anything to help me without further explanation.
Product: Credit reporting, credit repair services, or other personal consumer reports

- In accordance with the fair credit reporting Act XXXX XXXX XXXX XXXX Account number XXXX has violated my rights15 u.s.c.1681 section 602 A States I have the rights 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 - In accordance with the fair credit reporting Act XXXX XXXX XXXX XXXX has violated my rights 15 u.s.c.1681 section 602 A States I have the rights 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 - In accordance with the fair credit reporting Act XXXX XXXX XXXX XXXX has violated my rights 15 u.s.c.1681 section 602 A States I have the rights 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 - In accordance with the fair credit reporting Act XXXX XXXX XXXX XXXX has violated my rights 15 u.s.c.1681 section 602 A States I have the rights 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 - In accordance with the fair credit reporting Act XXXX XXXX XXXX XXXX has violated my rights 15 u.s.c.1681 section 602 A States I have the rights 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 - In accordance with the fair credit reporting Act XXXX XXXX XXXX XXXX has violated my rights 15 u.s.c.1681 section 602 A States I have the rights 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 - In accordance with the fair credit reporting Act XXXX XXXXXXXX XXXX XXXX has violated my rights 15 u.s.c.1681 section 602 A States I have the rights 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 - In accordance with the fair credit reporting Act XXXX XXXX XXXX XXXX has violated my rights 15 u.s.c.1681 section 602 A States I have the rights 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 - In accordance with the fair credit reporting XXXX XXXX XXXX XXXX has violated my rights 15 u.s.c.1681 section 602 A States I have the rights 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
Product: Checking or savings account

On XX/XX/XXXX I opened a new checking account with BMO Harris Bank with the promise of {$400.00} Bonus if I met certain requirements. I did meet all requirement and more and did not receive the bonus. I contacted the XXXX XXXX where I opened the account via email to inquire on the status of the bonus, I received a reply from Ms. XXXX XXXX that I met all the requirement and the bonus will be deposited into my checking account after 150 days from the account opening. I do have those email exchanges and after 150 days have passed I contacted the bank again, then the customer service via XXXX, and got different answers. On XX/XX/XXXX I received an Email from BMO Harris Bank congratulating me on qualifying for the Bonus. I contacted the Regional Manager of the BMO Harris and she never returned my phone calls.