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

Some months ago I began receiving credit cards offers from Capital One. Both my wife and I have permanently opted out of receiving credit card offers so these solicitations stood out. We have no business dealings with Capital One. About two or three months ago I called them to 1. ask them to stop sending the offers, 2. ask them the source of my contact info ( I wanted to know which company sold my contact info without my permission ). Capital One agreed to remove our names from their mailing list but refused to provide the source of our contact information.
A month later my wife got another Capital One credit card offer in the mail and yesterday I got another one. Can they be fined for this? To whom are they accountable for ignoring both the Opt Out and my telephone request?
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of XXXX, I noticed that XXXX XXXX was still illegally reporting a car loan to 2 of the credit bureaus XXXX and Transunion. I disputed the Inaccuracy which I have done on several other occasions. Previously XXXX XXXX would just update the information by reporting that payments were late when in all actuality XXXX XXXX filed a 1099 C charging the debt off and forgiving the debt on this account and still continued to report that I owed the money. Between the end of XX/XX/2023 and the beginning of XXXX of XXXX XXXX XXXX actually removed the account from my Transunion credit file, which caused my credit score to decrease substantially by XXXX points. XXXX XXXX did not add any comments therefore I'm not sure how the account was removed or if they added any negative comments that caused this significant decrease. I have tried to address the matter with Transunion without Success. I'm filing this complaint against Transunion as they have allowed XXXX XXXX to infringe upon my legal rights as a credit consumer for the last 7 years. I would like a full investigation into this matter,
Product: Credit reporting or other personal consumer reports

I am writing to follow up regarding the continued presence of fraudulent items on my account, despite my previous attempts to resolve this issue. The persistent failure to remove these fraudulent items has caused me significant inconvenience and distress. Despite assurances from your support team that the matter would be resolved promptly, the fraudulent items remain on my account. The continuous delays and lack of resolution are unacceptable. Given the severity of this issue and the repeated failures to address it, I am now seeking assistance from you. I request immediate attention to this matter and expect a prompt and effective resolution. Additionally, I seek an explanation for the repeated failures to remove the fraudulent items and a plan to prevent such occurrences in the future. Kindly help me remove the following items immediately : XXXX XXXX ; XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX, CA XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$710.00} ; XXXX XXXX Balance : {$1100.00} ; XXXX XXXX Balance : {$3100.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$1300.00} ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX.
Product: Debt collection

I paid a collection account, in XXXX of 2015, with XXXX that originated from XXXX Home Security. This debt was paid as a result of a settlement agreement between myself and XXXX. However, the problem today is that this same account, which has been paid, is now reporting on my credit report with Perfection Collection ( PC ). I contacted this company and spoke with a XXXX and explained to him that I had already paid this debt with XXXX. I was rudely told by XXXX they received ( purchased ) this debt approximately six months ago, the debt would remain if I did n't pay the debt, XXXX was a fraud and they would make sure this debt continued to report on my credit reports until it was paid. I have provided documentation to this company from XXXX, which reflects the same account number that they have, as well as, the same original creditor and the debt being settled, but PC refuses to remove this debt, despite the fact doing so violates my rights under the Fair Debt Credit Reporting Act.
Product: Checking or savings account

I was signed up for an overdraft protection and not told the details of this new feature on my account. I was told that if I had money on my savings then It would allow the transaction and take money out of my savings, if I didnt have money in my savings then it would reject the payment so I dont have to suffer another overdraft fee. I did this because Truist bank would overdraft my account constantly. I asked for this feature to be added and spoke to two reps who said they would add it to my account and did not, resulting in more overdrafts. I was finally able to add it once speaking to a supervisor who assured me that my transactions would be rejected if I didnt have money in my savings so I dont have to suffer another overdraft. They failed to mention that if this is a recurring payment I would still be over drafted and the payment would go through. I received another overdraft on XX/XX/23 and called because I was puzzled this happened, I spoke with a very rude supervisor named XXXX who did not want to hear me out and constantly spoke over me. I asked her to review the call with the previous supervisor and that he failed to mention that a recurring payment would go through and still overdraft my account, she promised that if this was the case once the call was reviewed I would get refunded. Well that was not the case, they did find that the previous supervisor failed to mention the recurring payments part and still they refused to refund the overdraft amount despite what XXXX promised. I spoke to a manager XXXX about what happened, which she then said that if upon listening to the conversation with XXXX if they find she did indeed make that promise, I would be refunded. XXXX, another rude, hostile manager who is committed to speaking over customers blatantly lied and said they found no such thing. This bank has been making promises, keeping me on the phone with them for hours, only to waste my time and be completely disrespectful and further tell lies to cover their own behind.
Product: Debt collection

IC Systems Inc is attempting to collect a debt not owed. I contacted the original creditor " XXXX XXXX '' " partial account # XXXX '' as listed on my credit report and they were unable to verify any account in my name. I am requesting immediate removal of this unverified account per FCRA guidelines from any and all credit reporting agency/service.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and I was shocked to learn that i have been a victim of identity theft. I found numerous accounts that were not opened by me. This is hurting me as I am in the process of buying a home for my family. Please remove the fradulent accounts as soon as possible. thanks in advance
Product: Credit reporting or other personal consumer reports

THESE ARE UNAUTHORIZED INQUIRES ON MY CREDIT REPORT . 
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: Vehicle loan or lease

Was denied a loan to purchase a vehicle in the final stages of the process after having been approved and submitted documents requested to verify identity and income and when asked why the creditor suddenly reversed their decision they cited recent liens, evictions and judgements that do not exist on any of the reports with  XXXX ,  XXXX  or  XXXX . In addition their response after attempting to resolve was a repeat of reasons for denial and not where they got the information they based that decision on so I still have not been informed of where that information came from and therefore can not look into the data furnisher or dispute the incorrect information. They are required to give such information they based their decision on by law and have not. Also if the information was not obtained from  XXXX  of the  XXXX  consumer credit bureau s I dem and to know who is storing and providing data related to myself and my personal finances for which I have not authorized to do so and want any personal information of mine in their possession destroyed immediately along with distribution of my personal information to anyone without my authorization.
Product: Consumer Loan

I have account on my credit profile from XXXX and XXXX on these accounts that on my credit the reporting agency is n't reporting accuracy on my profile.why is n't the credit bureau made to obey the laws their not above the laws they supposed to be governed by the laws If the fair credit reporting act 609 states that account should be 100 % accuracy why is these bureau allow to keep things on a person file that causing hardship in my life I been turn for employment due to the negative impact on my credit I feel I 'm being discriminated against due to in accurate information that being reported
Product: Checking or savings account

XX/XX/XXXX  XXXX pm. I deposited cash into an atm. It was all XXXX but I was not able to count how much there was, it was below XXXX bills though but more than XXXX. 
I put in the cash and the ATM took a long time loading and then an error screen came up. The atm shut down, and printed out a receipt, but it did not count how much money I put in. 
I called the claims department on the receipt the machine printed, and they gave me a XXXX dollar claim since thats what was settled on the amount. 
On XX/XX/XXXX, they took away the claim and when I called they said they closed the case after 2 thorough investigations. I went to the branch on XXXX XXXX XXXX XXXX IL to speak to the manager and see what my next possible steps are. 
The manager was absent today but the claims department told me to contact XXXX to attempt to get the footage myself. However when called, they said it would be better if chase called for their machines.
Product: Mortgage

They pre-approved the mortgage for a condo in XXXX TX, then 6 days prior to closing they backed out of the deal - claimed my income ( > {$200000.00} per year ) would not support the loan, even if I put 50 % down - the cost of the House is {$360000.00} - I suspect they just did not want to extend the loan, and they feared they would lose money on it
Product: Money transfer, virtual currency, or money service

On or about XXXX 2024 I received a request for XXXX XXXX and XXXX XXXX dollars ( {$550.00} ) with a threatening message on my cash app account. I disregarded the message as I was at work. I went to use my card later and realized my account was a lot lower than was supposed to be, I look and noticed I had somehow accepted the request of the {$550.00}! I immediately try to cancel the transaction, I then " talked with customer service " and they said they would look into it as I told them it was not supposed to be sent. I even requested it back from the person. Cash app leaves me a notice a day or so later saying they found nothing wrong with the transaction!!! I was furious but could do nothing. I then see the news talking about Cash App settling lawsuit and I thought about my transaction I went to look it up and it's no longer there like it never happened!!! But I took pictures of them just in case.I would love to get my money back please help me!
Product: Credit reporting or other personal consumer reports

I review my consumer reports and I noticed that I had two late payments on account that I was never late for. The consumer reporting agency has assumed vital role and have a responsibility to report consumers information to the best of their ability with maximum accuracy. I have never been late on payments for this account. I have included a Screenshots and saw this complaint on. XX/XX/year>. Please investigate and provide proof which statement showing that these late payments were late. If no proof cant be provided I demand the late payments be updated to pay as agreed on time and they should be due to the fact I was never late. Thanks please see attached screenshots.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your taking the time to CORRECT some of the erroneous accounts in my credit file ; however, there are still many accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts be UPDATED immediately. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

i found a great deal from a reputable sneaker company in settle called XXXX XXXX from a website called XXXX. i pursed a pallet of 40 sneakers and paid expedited shipping for it and never received almost after the expedited shipping date that was XXXX XXXX past i tried sending them a email and the email was sent back because it didnt work. i tried the phone number and the phone number was for the IRS. i XXXX search the address and was a hotel/XXXX center. after that i contacted my card and told them to file a dispute because it seems it was a fraud. after two weeks i received a box from a overseas company with a cigar box and a thank you note. i send it back with XXXX since i didn't order it and didnt know whats going on. 
Wells Fargo contact me saying that my claim was denied since i authorized and they send me a tracking i was so confused. and right away went to the police and ask them to provide me with the contact information from that company and to prove that they send me a pallet of 40 shows! worst bank ever doesn't protect there customer from anything i went to the police and open a police report and provided the number right away with wellsfargo and they told me they didnt care about the police report. that i can contact who ever i wanted but wellsfargo is not loosing the money because i authorized the transaction. the transaction in my credit card showed it was from explore XXXX so i contact them and tank to XXXX / XXXX and they told me that they didnt have any records or me and that i was scammed. to contact the bank i send them the police report and they told me to contact the bank. the police told me to open a Cfpb
Product: Credit reporting, credit repair services, or other personal consumer reports

I am part of the Equifax data hack. I have tried to call and put fraud alerts on my accounts, I was then directed to a website and that would be fine, except the websites are not working due to high volumes. I tried at all 3 of the credit bureaus. 

I also tried to freeze my credit with Equifax and was directed to the online page, only to be told I have to handle it by mail or the page was n't working at all. I am very frustrated that I am left to deal with a mistake that was made by Equifax and ca n't get anyone to help me put a process in place to protect myself. It is not possible to get through to anyone at Equifax who can actually help you with any of these additional measures. I would like Equifax to pay to put a freeze on my credit for the next year, so I can try and keep my identity safe. 

As a consumer, I understand accidents happen, but I also expect a company to do everything in their power to correct it ... ..I do n't feel any of the individual victims have been given the kind of customer service we deserve and I do n't feel we should have to pay additional money for an Equifax mistake .
Product: Mortgage

Selene Finance is stating that payments have not been made for XXXX, XXXX and XX/XX/2023 : Payments made : XXXX {$330.00} XXXX - {$1000.00} XXXX - {$11000.00} Also, when Selene acquired the loan from XXXX taxes were paid, Selene is adding four years of taxes to the loan. 

Selene Finance is not updating their records to reflect any of this.
Product: Credit reporting, credit repair services, or other personal consumer reports

these inquires does not belong to me XXXX XXXX date : XX/XX/XXXX XXXX. date : XX/XX/XXXX XXXX XXXX  date : XX/XX/XXXX. only suppose to be one inquiry XXXX XXXX XXXX  date : XX/XX/XXXX XXXX  XXXX. date : XX/XX/XXXX XXXX  XXXX ( bank ). date : XX/XX/XXXX XXXX  date : XX/XX/XXXX XXXX  date : XX/XX/XXXX XXXX  date : XX/XX/XXXX XXXX XXXX XXXX date XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : it also states that a consumer reporting agency can not furnish an account without my written instructions. 
In accordance with the fair credit reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : it also states that a consumer reporting agency can not furnish an account without my written instructions. 
In accordance with the fair credit reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : it also states that a consumer reporting agency can not furnish an account without my written instructions. 
In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : it also states that a consumer reporting agency can not furnish an account without my written instructions. 
In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : it also states that a consumer reporting agency can not furnish an account without my written instructions. 
In accordance with the fair credit reporting act XXXX Account XXXX, has violated my rights. 
15 USC 1681 Section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : it also states that a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Noticed a few unauthorized inquires on my account EQUIFAX MORTGAGE SER 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 XXXX XXXX XXXX XXXX
Product: Checking or savings account

I disputed a transaction On XX/XX/XXXX for XXXX XXXX XXXX XXXX XXXX that that was performed on XX/XX/XXXX! After disputing the charges the merchant signed a contract with me that he's agreeing to the charge back / dispute and gave me a copy of the contact and had a copy showing the funds already taken out of his account and also issued me a check for services performed by another 's mechanic/ services for reimbursement of both his work amd the other mechanics work! All of this information has been sent to the bank however they are failing to close the dispute with correct compensation!
Product: Mortgage

I was one day away from closing, XX/XX/2018 and SunTrust mortgage declined my loan. There was an issue regarding my taxes, which they had in their possession for weeks, which I immediately amended. However, they will not accept the amended copies. The other concern that is prohibiting me from securing the mortgage is that they are accusing me of purchasing the property for my child to live in which is not the case. I will be living in the property as my primary residence. I have explained my intentions verbally twice and in writing twice and they are still making the accusations. I may loose this property and feel they are discriminating against me by making these inaccurate accusations. I am also concerned as to why they are bringing my adult children into the situation.
Product: Credit reporting or other personal consumer reports

I " am requesting that my student loan accounts be removed off my credit reports within XXXX hours. I have attached proof that my loans are XXXX and a XXXX was submitted so its a cancellation of debt and income can not be reported on any credit reports its agents the consumer law. Also due to this being a cancellation of debt my loans has turned into a certificate of indebtedness and must be removed from my report. {$88000.00} has been cancelled a copy is attached and these should be removed within XXXX hours of this complaint. This is also against the XXXX XXXX XXXX you are not allowed to report income from school loans are any loans due to consumer law. The account numbers are listed below. 

XXXX # XXXX XXXX # XXXX XXXX # XXXX
Product: Debt collection

On XX/XX/2023, Pollack & Rosen , P.A . filed suit against XXXX XXXX naming XXXX XXXX, XXXX as the Plaintiff Case Number XXXX XXXX XXXX XXXX. 

On XX/XX/23, Defendant requested a " Verification of Debt '' in response to a letter received by the Defendant. No response was received. 
On XX/XX/2023 Plaintiff 's attorney filed a generic civil suit outlining little facts as they directed related to the alleged debt.

On XX/XX/2023 a summons was issued.

On XX/XX/2023 Defendant responded to the suit.

On XX/XX/2023 Plaintiff 's attorney filed a generic response to defendant 's response. 

Plaintiff 's attorney has failed to any documentation that the debt is valid and has violated Federal consumer Protection laws by filing this clearly generic suit as a means to intimidate and threaten.
Product: Checking or savings account

This is a complaint in regards to a Novo business checking account I have. I am an XXXX  XXXX that is paid monthly around the XXXX by the same company. This month, the deposits were made on XX/XX/XXXX, and mine still has not shown up in my account. The total for the deposit should have been {$2600.00}. I have had this account for a year and they always come in the same day. There is not even a pending deposit. I reached out to their support division to inquire about what is going on. Many of my peers use Novo and received their deposits on the XXXX. Their response is that they are " waiting for a response from their team ''. It's been 2 days and no one can tell me anything. The situation got worse when I went to log into my account yesterday and suddenly it no longer existed at all! I am extremely concerned that I will never see my pay check. There currently has been no action at all taken by Novo. The last response I received as over XXXX hours ago and it was that they are waiting to hear.