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

I am getting the round around from the customer service department of Capital One. I am an existing customer and I am being treated like a criminal!! I have an account with this company and I am being treated like a number with them. I am trying to activate my card and I am told that it may take up to two weeks. I called the fraud division today two times and I was hung on the first time and I was put on hold for 11 minutes the second time. I opened a new card on XX/XX/XXXX and was told to fax in my utility bill and other private information ( social security and ID ). After a week I called to check on the status of my card. I was told that the fax I was told to send was blurry and they then told me to download the same information from my cell phone and that they would then activate my card. It has been 4 days and my new card is still not activated! When I call to ask why it is not activated I am put on hold for 11-20 minutes and then the customer service rep hangs up on me. This is the worst customer service I have had in years especially since I already have a card account with this company. I have called to verify that I am the consumer but no one will treat me with respect. They are saying that I am a liar and that I am not the person who opened this account when I have faxed and downloaded information through my cell phone! This company is rude and the customer service is terrible!
Product: Credit reporting or other personal consumer reports

This is one of several complaints regarding my status as a victim of identity theft, and I am writing to formally dispute certain accounts in my credit file stemming from this crime. The account in question does not pertain to any transactions involving goods, services, or money that I have authorized or engaged in. It is entirely unfamiliar to me. Additionally, I have noted discrepancies in the information provided on certain accounts, as it has been deleted from other bureaus. Furthermore, the reported payment history on some accounts is entirely inexplicable to me. 

I request that any information in my credit file resulting from alleged identity theft be blocked from reporting. 
XXXX XXXX.
Product: Payday loan, title loan, or personal loan

The company was informed several times to remove this number from their system because it's an automated call that just fills up the voicemail. I requested them to remove the number they refused cursed at me and hung up. Refused to let me speak to management. I don't want further automated calls from this company. I asked on XX/XX/XXXX to be Removed from their call system to stop calling. They keep calling.
Product: Credit reporting or other personal consumer reports

PLEASE DISPUTE THE FOLLOWING ITEMS ON MY CREDIT REPORT. 

XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Account Number : XXXX {$24.00} XX/XX/XXXX EXPERIAN XXXX XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXX XXXXXXXX XXXX Account Number : XXXX {$24.00} XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXXXXXX Account Number : XXXX {$0.00} XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/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 XXXXXXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX  Account Number : XXXX {$24.00} XX/XX/XXXX XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX
Product: Credit card or prepaid card

On XX/XX/XXXX I disputed a charge on my account dated XX/XX/XXXX and to this date I have not received a provisional credit or has the matter been resolved within two billing cycles as required by Federal Law. The merchandise was a coin that I ordered online but never received. I attempted to resolve the matter with the merchant but the merchant did not comply. I then timely filed my dispute with Synchrony bank. The bank has utterly failed to follow federal law regarding my dispute. On XXXX I called the bank and spoke to XXXX. She said the dispute was closed but would reopen it. On XXXX I called again and spoke to XXXX XXXX operator XXXX ) and was told the dispute was closed but would reopen it. On XXXX I finally received a letter stating the bank was reviewing my complaint. Note : Per Federal law the dispute should have been resolved by this date. I had disputed the charge on XX/XX/XXXX. On XXXX I received another letter from the bank stating a provisional credit of {$3400.00} was issued to my card. NO CREDIT WAS RECEIVED. On XXXX I called the bank and spoke to XXXX ( operator id XXXX ). I was promised a conditional credit. Again no credit has been received to this date. The bank has violated every Fair Credit Billing Act law in existence.
Product: Vehicle loan or lease

On XXXX XXXX XXXX  I contacted the company advising I would be late on my monthly payment due to the loss of my mother 's passing. Unexpected expenses. They have an SKIP payment policy and did not honor it. I mentioned that I would make a payment late. 

This is the second automobile I financed with this company. I expected them to honor their SKIP policy. Instead, I received 3 calls and 2 emails. I sent an email and followed up with a phone call. The harassing calls and emails continued. The interest is outrageously high and after XXXX weeks of harassing calls and emails, The decision was made to go with another auto financial company. I notified the company and the continuous calls and emails did not stop. I was advised, that if I decide to refinance I must contact them and let them know. 
I did. I received in the mail a threatening collection notice and a threat the car would be repo 'd. The bill is not over 30 days late. It was due on the XXXX. I have never been late and planned to pay the monthly payment, before the end of the month. 

Grieving the loss of my mother has been difficult for me. This company showed no compassion nor listened to me. They have been paid and they still are sending emails and calling me. It has got to the point, that I feel abused.
Product: Mortgage

I received a two party check with my name and Colorado Housing and Finance Authority after a hail claim. I signed the check and mailed to CHFA per their request. They are stating I as the homeowner can not perform any necessary repairs myself. I have a licensed roofer doing the roof, to be completed by XX/XX/XXXX and they have not seen a dime from CHFA. I would like to perform the smaller tasks such as paint, pressure wash deck and fence, etc and the mortgage company is stating it has to be done 100 % by a general contractor. Also, theyre holding the check until all work is complete. Is this okay for them to hold the check?
Product: Credit card or prepaid card

I had a bad experience with BOA yesterday regarding my unemployment card for the state of Kansas. The BOA supervisor ( XXXX ) was not helpful with my issue. My issue was that my card mailed out on XX/XX/XXXX and I have still not received it as of XX/XX/XXXX. XXXX wanted me to charge me {$10.00} to send via XXXX. I am not paying to expedite the card to me since I never received the card so I am now waiting another 7 - 10 days for another card to be sent USPS without tracking again. This was the 2nd call that I made to BOA on Wednesday, XX/XX/XXXX ; on the first call I was told that a supervisor would call me back. After approximately 6 hours an no return call ; I called BOA back. Every other time I called BOA I was asked to do a survey but not after I spoke to XXXX. I am also a BOA checking account member and have been for 15 years. I mentioned that during my call as well as I would go to BOA to close that account after no resolution. XXXX did not care at all!
Product: Money transfer, virtual currency, or money service

I tried to send money to bank account with XXXX ( XXXX XXXX XXXX ) and XXXX ( XXXX XXXX  XXXX ) in XXXX into my family members ' accounts via Remitly ( https : //www.remitly.com/XXXX/XXXX/XXXX ). 
Turns out, that Remitly is misleading it's customers ( potential customer in my case ) by showing on their website that they are connected to eight banks in XXXX - however my family members in XXXX confirmed and reconfirmed with all these 8 banks that none of these have anything to do with Remitly at all. 
In the past I have used other services like XXXX and XXXX to a fair bit of satisfaction and I decided to try Remitly only as this time I thought I would send money directly into bank accounts. 
It is also disturbing to find out that Remitly is working with a bank like XXXX which was fined heavily in the USA ( XXXX : XXXX ) for wrongdoings in its NY operations. 
The worst issue with all this is that my relatives were unable to locate any office or officer/representative of Remitly in XXXX who could guide or comment. 
Thank XXXX I did not already send money and later find out that it is a complete and utter scam!!
Product: Credit reporting 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. 


Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX # 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX and 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I 've recently contacted both credit Bureau and credit company and none were no help to me. I recently contacted equifax several times through letters, online disputes, and phone and advised them of the fraudulent inquiries that were on my profile that I did not authorize and recall doing. I know their was a fraud alert on my account that indicates anyone who runs my report needs to contact me via phone and that was not done which violates my rights as a consumer. I am really upset and tired of trying to get a hold of some one who will actually help me with these fraudulent inquiries. I have not yet heard response from neither letters and online disputes. Below are names and dates of reporting companies that pulled my report with out my authorization and that I consider fraudulent. 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, XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX, XXXX XXXX/XXXX/XXXX
Product: Credit reporting or other personal consumer reports

Equifax is withholding your credit score and preventing creditors from accessing it. 
This is causing financial harm, delaying property purchase. They are unresponsive to your dispute and not providing a solution. They provided a report without a score and it does nothing for the purpose pf purchasing a home. if they CAN NOT pull scores upon credit search, then this is illegally causing harm and it goes against my rights as a consumer.
Product: Debt collection

This debt collection agency, assumes I have an acct with them, I asked numerous time to release proof of identification such as dL # and signatures along with records that I apply or put in a application of credit with this company the refuse to relinquish information. I would like for immediate removal from my credit as soon as possible. They keep send anonymous mail to my house, I need it to stop.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681 section 602, I have the right to privacy. 15 USC 1681 section 604, section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XX/XX/XXXX XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a loan opened at XXXX XXXX XXXX XX/XX/XXXX. I do not recognize the above mentioned accounts or collections as reported. The above mentioned account and collection appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the above and mentioned accounts and collections are the result of identity theft and fraud. I have attached all correspondence 's and a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all of the above mentioned consumer credit accounts and collections are the result of identity theft and fraud.
Product: Debt collection

The original loan was with Credit Acceptance and the amount was for {$11000.00}. The loan is now at {$22000.00} which is 50 % interest rate. The car was a lemon and told them we wanted to do a voluntary repossession. They never came to get it. They then sold the account to XXXX XXXX XXXX XXXX. They took us to court and won the judgement and a lien was put on our bank account and then emptied. Credit Acceptance is still reporting on my husbands and my credit reports when they sold the account. The original loan was opened XX/XX/XXXX. The judgement that XXXX XXXX received against us was XX/XX/XXXX. I want credit acceptance to be removed from our credit reports as the account holder. They just dropped our scores over XXXX points because they reported it as 180 days late, which was years ago, and added another {$100.00} to the balance.
Product: Debt collection

I have received 7 letters by mail from TRS Recovery Service LLC. saying I owe money for a transaction with XXXX. I pay for all my transactions with XXXX by bank debit card. 

All these letters say the same thing, that I wrote a check to pay and check was returned, and that my bank account was closed. They are asking for {$47.00} plus a returned check fee of {$25.00}, that total comes up to {$72.00}. 

It has been years since I wrote a check and my bank account has never been closed.
Product: Money transfer, virtual currency, or money service

Well, I XXXX XXXX opened an account on the XX/XX/XXXX because of all the hacking going on with b of a. XXXX then proceeded to get a personal account with XXXX n set up an reoccurring transfer from b of a to XXXX so as I dont lose anymore money. 
Money was deposited into my account on XX/XX/XXXX ; on my b of a debit card thru XXXX, and I dont know if it actually takes 2 days to deposit into my personal account?, but I called this morning and my money isn't in my XXXX account as the transfer was made from b of a
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX  XXXX XXXX Balance : {$3000.00} XXXX  XXXX XXXX Balance : {$2200.00} XXXX  XXXX XXXX Balance : {$3000.00} XXXX  XXXX XXXX Balance : {$3000.00}
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I transferred funds into CashApp and a significant portion suddenly disappeared without explanation. I contacted their online support services. This is the explanation they offered We can confirm that an impacted transaction due to the error occurring between XX/XX/2023 and XX/XX/2023 has been resolved and your account has been adjusted to reflect the correct balance. The funds deducted from your account were the funds you previously used to make a payment with the merchant, but which were then incorrectly returned to your account due to a technical error. 

I have repeatedly asked them to provide me with the information they used to make this decision. I have followed all their procedures and they wont send me information so I can verify the accounting. I believe they are wrong, but I cant do anything since theyve refused to send me proof of this error that caused them to take my money. They tell you to do x, y and z to fold a dispute and when you do it they completely ignore the request.
Product: Credit card

My card numbers were somehow received by another party and used at several locations totaling over XXXX dollars. I went through the whole process of getting police reports and all important information needed. Chime still did nothing and continues to deny my disputes and money back!!! I had a horrible time dealing with chime and the dispute team. I have all information needed to prove I was not the one that made the purchases on my card including police reports and several forms of evidence. I also had a terrible time with their customer service team who gave me no help and continues to hang up on me when I need their help the most. This is the last banking service I would ever recommend to anyone and will make sure I post everywhere and get the word out to as many people as I can. This is A disgrace and I will continue to work every day to get back my hard earned money!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX and transunion reporting incorrect personal information on my credit reports such as my name, address, Wrong balances and open date. This is considered as misleading and is hurting my credit. My next step will be taking the agencies to court.
Product: Debt collection

I'm following up on my previous letter about inaccurate credit reporting. I demand an immediate, thorough investigation and correction, as the banks confirmed a glitch and fixed it ; any further delay will not be tolerated, and legal action will follow. Ensure my credit report reflects accurate information promptly, as it is crucial for my financial well-being. I expect swift resolution within the legal timeframe.
Product: Debt collection

Previously I owed XXXX timeshares with my ex-husband. Both are paid except the annual maintenance fees. In the divorce decree, I was awarded XXXX and my ex-husband the other. My ex-husband has not paid the fees on his timeshare and now the company calls me and says I am legal responsible for the past due fees because they ca n't contact him. When I told them I was no longer responsible and it was spelled out in the divorce decree, the company apologized and asked me to send a copy of the decree. I sent it and provided the husband 's phone number. A few days past and the company called again stating they could not contact my husband so I am still liable because the divorce decree does not supersede their contact. I again advised I am not legally responsible and they should call my ex-husband. I have asked them repeatedly not to call me and they continue to do so on my home and cell phone. I believe they have also reported this debt on my credit report ( I am obtaining a copy to verify ). My credit score has dropped and all my bills are paid on time. I am feel harassed since they continue to call and are not honoring the divorce decree which is a legal document. I have paid all fees associated with the timeshare I was awarded. I want this company to stop harassing me, remove this debt from my report and contact my ex-husband to obtain payment. I believe the tactics of this company are horrible. Please advise how I can stop the harassment from this company.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX and Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : LIST OF ITEMS TO BE REMOVED XXXXXXXX XXXX XXXX XXXXXXXX XXXX BALANCED {$0.00} XXXX XXXX XXXX XXXXXXXX BALANCED {$0.00} 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 These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The XXXX credit bureaus are required to authenticate the account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting account as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX XXXX XXXX XXXX  XXXX
Product: Credit card or prepaid card

I made a payment with online billpay through my bank in the amount of {$13000.00} on XX/XX/2023. The check was sent I have a check number and confirmation from my bank and the credit card company still has not posted the check.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive contacted the company multiple to prove the validity of the loan. This is not mine and was done with out my knowledge. The account number is XXXX XXXXXXXX XXXX XXXX