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

I opened a Capital One Venture credit card using XXXX XXXX and was granted a {$5000.00} credit line. Approximately 1 month after opening the card my card was declined and when I checked my account through the Capital One app on my phone and discovered my card was listed as " restricted ''. At this point I had not received any communication written or verbal from Capital One that there was any problem with my account. 

I called Capital One three separate times between XXXX XXXX XXXX and each time was told I needed to call back to reach a separate department. When I was able to finally get in touch with a representative from that unnamed department on XX/XX/2023 I was informed by " XXXX '' that my account was closed because they " discovered adverse legal action involving an individual or entity associated with the account ''. It was also relayed to me that it was the primary account holder and not the authorized user. ( My girlfriend is the authorized user on the account. ) When I asked for the representative to identify the source of the " adverse past or present legal action '' and was told there was not other information available. Capital One has failed to provide the specific information they relied on to terminate my account and the source of that information of which I am entitled to under ECOA. 

As of today, XX/XX/2023, I have still not received any additional communication from Capital One, besides my direct phone calls to them, regarding the closure of my account. I have checked my credit report and there is nothing on it that would indicate ongoing legal action. I have been approved for other credit cards without anything like this happening.
Product: Checking or savings account

I have had numerous unauthorized transactions totalling XXXX dollars. When I noticed them I immediately cancelled my card and began disputing the charges. Within 24 hours I was denied with no reason what do ever. I submitted proof that I was at work at those times of purchases and was still denied. I was denied 3 separate times on my disputes.
Product: Credit reporting, credit repair services, or other personal consumer reports

Closed my account by paying it off in its entirety with XXXX XXXX on XX/XX/2019. Unknown to me they charged my account ONE days interest for XX/XX/XXXX and billed me after my account closed. I then received a collections letter for a late payment - that I never knew existed, and never received a standard bill for. I called XXXX XXXX to dispute the retroactive billing, the lack of transparent charges, and there handling of it. They investigated my complaint and withdraw the {$13.00} charge for one day interest but still reported it as late to the credit bureau. I went to go refinance and low and behold my credit score has dropped because this interest that should not have been charged but if it was should have been billed properly and was being investigated and then retracted has now dropped my score 40 points and messed up my perfect credit. I contact XXXX  and provided them the letter showing them the investigation, dispute with XXXX XXXX, and the results of the retraction, yet XXXX  will not remove it. 
It has cost me financially with my credit score, made it impossible to refinance at a good rate, and my next step is to contact the AG of Mass if this cant be resolved, as well as the press. XXXX XXXX is criminal enterprise and should not be reporting on anyone 's credit!
Product: Credit reporting or other personal consumer reports

Why XXXX is continuing to report information that is not verified in according with FRCA section 609 ( c ) ( 2 ) ( e ) and accuracy of the records of the debt as outlined in FCRA section 623. I can not accept your attempt to dismiss my identity theft claim as an error or a misrepresentation of material fact. Despite numerous letters and complaints, this fraudulent account still appears on my credit report. Who gave you the authority to determine what constitutes a material fact? You are not a judge or a jury, and you have no right to make such judgments.

This is your final chance to properly process my identity theft request, or I will take legal action to hold you accountable for the damage to my reputation, credit, and the emotional distress this matter has caused me. Your negligence regarding material facts will be glaringly evident, and you will compensate me for your recklessness. 
XXXX XXXX XXXX, XXXX CARD XXXX, XXXX CARD XXXX and XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried contacting Equifax about the hacking of consumers credit report that was reported in the news. Tried unsuccessfully to contact them by phone. I proceeded to go on the internet to read the different articles on what I needed to set up my protection from hackers. XXXX articles stated that Equifax will protect me for 90 days than charge me for an extended protection. Another article said that it would protect me for one year with out charge. The same article also said that I should contact the other two reporting Credit agencies to see if their any problems with my credit and to protected my credit from hackers The only drawback is that other agencies would charge me. I feel I should not be charge for this service and that Equifax should pay since that were hacked. There are other items in these articles that make it difficult to proceed and protect the consumers rights.
Product: Checking or savings account

Wells Fargo Bank. Fraudulent activity I reported on XX/XX/XXXX, XX/XX/XXXX was a holiday, over 30 transactions made to my checking account related to fraudulent activity on my debit card. All transactions were made over a period of 6 days ( XX/XX/XXXX - XX/XX/XXXX ), including a weekend and federal holiday, all the same company ( I never heard of ) and all for the same amount... .ding , ding , it should of been flagged. A total of XXXX transactions posted, each transaction was for {$38.00}, totaling {$530.00}. They opened a claim for ONE charge and kept adding overdraft fees. I had to keep calling them and complaining, they would remove the overdraft fees, but only open another claim for XXXX of the XXXX transactions. Called again on XX/XX/XXXX and again on XX/XX/XXXX, same complaint, different agent, had to start explaining ALL over again. One agent actually HUNG up on me! 
Basically, they made me wait until ALL the transactions POSTED, so they waited for someone to FINISH stealing my money for a credit to be issued and then said they would expedite a claim, but a credit would still take 7-10 days. Really?!? 
I hate this self righteous company, they are disgusting and should be shut down. I have been a customer since XXXX ( stupid me! ) and my husband since XXXX. We will be closing every account we have with them and tell everyone we know to avoid them like the plague. 
I also live in XXXX, WY, we have a branch that is never open, nobody wants to work there, so I had NO local branch to go to.
Product: Mortgage

I would like for the CFPB to look at the mortgage assignments. 
This agency will note that the mortgage documents are fraudulent. 
The Lender has used court adjudicated Robo-Signers and other unauthorized persons to create a Chain of Title in the mortgage assignments.
Product: Vehicle loan or lease

XXXX sold me a bad vehicle. 

Bridgecrest doesnt want to pay for damage but I am still order to pay XXXX dollars It was also written in the warranty that they would pay for the damages engine trans oil problems etc
Product: Debt collection

This letter is response to your correspondence concerning the above referenced account. 

I have checked with my state Attorney General and confirmed that the statute of limitations on this type of debt has expired. I am also disputing the validity of the debt therefore you are prohibited from reporting this on my credit report. 

Therefore, if you choose to pursue this matter in court, I will be forced to show proof that the statute of limitations has expired and will take private right of action. I will attempt to recover actual damages, statutory damages, and attorneys fees and costs. 

Let this letter serve as notification that I do not wish to be contacted about this debt any further except to be notified that future collection efforts are terminated. Do not contact me any further. 

Any other communication regarding this debt will be taken as a violation of the Fair Debt Collection Practices Act and California Senate Bill 233. 


This policy was canceled due to being provided misinformation by infinity. I was quoted one price and a different was attempted to be taken out of my account.
Product: Credit card

Capital One ended their relationship with XXXX stores and turned my credit card account held with XXXX into an additional Capital One account with a XXXX % APR. I already have a Capital One account with a XXXX % APR. There is no reason I should have XXXX active credit accounts when all this does is increase a security threat of identity theft!
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I utilized Remitly to send USD {$2900.00} over to XXXX to be picked up at a bank via cash delivery. When the recipient went to claim the funds, the XXXX  bank told the recipient that the amount they were picking up exceeded the limit of what they were able to receive, which apparently it is USD {$3000.00} This is information that is not clearly disclosed at any point and as a sender we were unaware that the banks in XXXX  had any such limitation. As a consequence of this obscurity, we have had to pay interests on the debt that we were paying off with these funds. We had a very similar issue with a second transaction for USD {$2900.00} that was sent to a different recipient who went to pick up the funds via cash delivery through a different bank. This bank told the recipient that he was only able to get these funds via a check that would take 5 business days to be generated and then he would have to deposit that check into his own bank account. Both transactions had to be canceled and by doing that we ended incurring additional costs. The funds will take up to XXXX business days to make it back to our bank account. Bottom line : the money we sent via Remitly was never delivered because the banks in XXXX never released the funds for reasons that were never disclosed by this company before we initiated the transactions. We called the company several times trying to fix these issues but in the end there was no other solution but to cancel the transactions, wait additional time for our money to make it back to our bank account, incur additional interests and initiate the transactions via a different service.
Product: Mortgage

IN XXXX I REQUESTED A PAY-OFF AMOUNT FROM MY MORTGAGE COMPANY. OUR DESIRED PAY OFF MONTH WAS XXXX. I RECEIVED THE FIRST PAY OFF AMOUNT ON XX/XX/XXXX OF {$14000.00} FOR XXXX XXXX. I THEN RECEIVED A REVISED PAY OFF AMOUNT ON XXXX XXXX OF {$15000.00} FOR THE SAME DATE IN XXXX. THIS IS WHEN I DISCOVERED THE ESCROW OVERDRAFT OF {$1700.00}. AFTER GOING INTO THE ACCOUNT HISTORY I DISCOVERED A DOUBLE PAYMENT FOR HOUSE INSURANCE. THE DATES PAID WERE XX/XX/XXXX OF {$2100.00} AND XX/XX/XXXX THE SAME AMOUNT WAS PAID AGAIN AND I WAS CHARGED AN SHORTAGE TO MY ESCROW ACCOUNT. ON RECEIPT OF OUR HOMEOWNERS INSURANCE PAPERS IT STATED THE EFFECTIVE DATE AS XX/XX/XXXX. AFTER CONTACTING PHH ON XX/XX/XXXX I WAS TOLD THE FIRST PAYMENT CHECK WAS NEVER RECEIVED AND THEY HAD TO ISSUE ANOTHER CHECK. EMPLOYEE # XXXX FUNDS WOULD BE RETURNED ON XX/XX/XXXX. ON XX/XX/XXXX FUNDS WERE STILL NOT RETURNED. WIFE CALLED AND TALKED TO EPLOYEE # XXXX. WAS TOLD TO GIVE THEM 2 BUSINESS DAYS TO LOOK INTO IT. NO RETURN CALL. ON XX/XX/XXXX I CALLED AGAIN EMP. # XXXX SAID GIVE ANOTHER DAY AND WOULD CALL BACK. TO THIS DATE NO RETURN CALL AND FUNDS HAVE NOT BEEN RETURNED. WE HAVE ASKED REPEATEDLY WHY ARE WE COVERING THEIR LOSS. WE DON'T UNDERSTAND IF THE PAYMENT WAS LOST HOW WERE WE ABLE TO HAVE THE DATE THAT WE GOT ON OUR INSURANCE PAPERS.
Product: Mortgage

Since filing my first complaint against Bank of America regarding case # XXXX. New items have been discovered on the title report / deed of trust. 
Items 7, 8, 9 show as still open on the report. These items were replaced by a new deed of trust showing as item # 10 which was paid off in XX/XX/XXXX and confirmed by Bank of America in writing XX/XX/XXXX. 

Bank of America continues to refused verbal and written request to close out Deeds of Trust on current XX/XX/XXXX title report. They're attempting a default on our building using these paid off and closed out Deeds of Trust. You should be aware the Office of Comptroller and SEC have also began investigations on this. 

This is a new way for Banks to cover up fraudulent lending practices and bully customers into paying fees and charges under threat and duress. 

We need your help, please. 

Thanks ' in Advance.
Product: Credit reporting or other personal consumer reports

I checked again my credit report and found that some of the data were still incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Phone : XXXX Email : XXXX XX/XX/year> Wells Fargo Bank , N.A . 
Corporate Headquarters XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Formal Demand for Immediate Removal of Inaccurate Charged-Off Account in the Amount of {$3000.00} from All Credit Bureaus To Whom It May Concern, I am writing to formally dispute the reporting of a charged-off Wells Fargo credit card account in the amount of {$3000.00}, which is currently appearing on my credit reports. This account is being reported inaccurately and must be immediately removed from XXXX, XXXX, and XXXX, as required under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

Despite my previous written notices, Wells Fargo Bank has failed to provide proper validation for this alleged debt. Reporting a charged-off account without full and verifiable proof of its legitimacy is a violation of federal law. Under FCRA 611 ( 15 U.S.C. 1681i ), any account that can not be verified must be promptly deleted from all consumer credit reports.
Product: Credit reporting

Last year, Equifax had my information mixed with someone else and as a result I had them remove and fix it. I recently applied for an apartment and I was rejected due to a bad credit score. I checked my recent credit report and everything seems to be in order but my credit score is still bad. I have no debt and paid off all my loans so I do not know why the score is so low. I can not get a hold of a person who can help when I called Equifax and kept getting transferred back and forth and was on hold for over XXXX hours.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax does not find my file. I put my information several times, I called them 3 times, they don't look at my case. I typed my XXXX ( XXXX ) in te regiser form and even so they can't find my file.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 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. Code $ 1681a - Definitions ; rules of construction. 
Exclusions.-Except as provided in paragraph the term " consumer report '' does not include any report containing information solely as transactions or experiences between the consumer and the person making the report ; 134 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 purpose. 

Regarding Capitol One and XXXX XXXX
Product: Debt collection

I reported illegal collections tactics by NCB Management on XX/XX/2021. The illegal tactics included daily phone calls with no messages and no demand letter. The calls stopped, and now the company has reported a debt I do not owe to the credit bureaus, another violation of the FDCPA. I was notified by XXXX  of the derogatory report on XX/XX/2021.
Product: Consumer Loan

Greetings! 

I applied for a small business loan with Prosper XXXX for {$15000.00} which was approved in XX/XX/2015 with a simple interest rate of 12.59 % per annum for 5 years [ as mentioned in the promissory note ] but my bank account was funded for only {$14000.00} and the APR on the lending statement is showing as 14.89 %. 

To compound my worst fears the interest that I have paid as of the date of this online complaint is {$1600.00} excluding the loan processing fee of over {$700.00} deducted from my checking account in XX/XX/2015 

My several several phone calls to prosper customer service resulted in their staff giving me extremely rude and reckless answers like : " I dont know '' " I dont have that info '' " Are you a religious worker '' " We made most money from your first month 's payments '' " The interest is charged on a daily basis and the APR computed changes every day '' " The interest and fees change from day to day '' When I did the Math from my side the interest and fees paid to Prosper XXXX is way higher than the fixed monthly payments and the fixed interest rate that was assured to me via phone calls during the application process!!! 

I urge the CFPB to investigate this fraudulent loan and all the Prosper XXXX employees involved in this transaction. 

Many Thanks for your time and
Product: Credit reporting, credit repair services, or other personal consumer reports

My vehicle had water damage last XX/XX/XXXX it took til XX/XX/XXXX for the insurance to claim it a full loss. GAP insurance has not kicked in yet for the ramainding balance of about $ XXXX.I have been cooperative with XXXX XXXX XXXX XXXX with this matter. XXXX, XXXX they began reporting me to the credit bureaus for repossession and charge off. I have been sending every document into XXXX GAP claims as they request claim number XXXX. XXXX states as they received documents it takes up to four weeks to process them. The list of documents is very long and confusing and originate from various sources. The Vin on the lose car is XXXX The account with XXXX XXXX XXXX XXXX is # XXXX.Balance is $ XXXX.Why ais my credit being ruined if I am cooperating and waiting on insurance companies to process this claim while having to do all the leg work for them in obtaining documents.
Product: Payday loan, title loan, personal loan, or advance loan

I was deceived by the man at the auto shop into a free financing option. XXXX XXXX XXXX XXXX XXXX I called today after finally having enough money to make an attempt at paying off the loan and I learned that I missed the promotion deadline and have been getting charged a daily interest more then the monthly minimum payment that I had been paying for the last 5 months.
Product: Payday loan, title loan, or personal loan

XX/XX/2020 I reached out to the company trying to get help considering I lost my income due to covid. They didn't attempt to answer any questions or help in anyway and then proceeded to charge me almost double my payment amount on XX/XX/2020. 

On XX/XX/2020 I reached out to the company again as I am in dire straights and asked to have my ach authorization revoked as I could not afford overdraft charges. The lady was short and rude. She stated she could not help me it was against company policy. I asked to speak to supervisor in which she said they didn't have one. They sent me to XXXX which whom I did not know her position. I asked if they had a legal department I could speak with again being told they don't have that and that I could not get a due date change or my authorization for 5-7 days. They were going to take my money anyway after trying to deal with this for two months. They bombard my phone with texts, emails, and calls. They are rude and unprofessional and their interest rates are appalling. I paid at least XXXX a month for almost 12 months on a XXXX dollar loan.
Product: Checking or savings account

On XX/XX/XXXX, I fell victim to a horrific incident where I was XXXX XXXX, and XXXX assaulted by an individual wanted by the FBI. 

During the robbery, the perpetrator illicitly conducted bank transfers from my personal phone using the Chase app. 

Despite providing Chase Bank with extensive evidence, including official documents related to the case, they have refused to refund my money. 

Chase Bank 's reasoning for denying my claim is based on the fact that the transfers were authorized using Face ID. However, I was unconscious at the time, rendering their argument baseless and absurd. 

Regrettably, I find myself in a situation where Chase has declined to refund the funds that were fraudulently taken from my account. Despite exhausting all avenues within the fraud department and other conventional channels, including numerous hours spent on calls, my efforts have proved fruitless. 

The unauthorized transactions in question involve XXXX XXXX transfers made on XX/XX/2023, totaling {$4300.00}. These transfers comprised three charges from my personal account and XXXX from my business account. I have attached copies of the charges for your reference. 

Chase 's reasoning for refusing the refund is perplexing. They contend that, as the transfers were conducted via XXXX and authenticated with Face ID, they are absolved from responsibility. However, I have diligently provided them with all relevant documents substantiating the details of the case, to no avail. 

For your reference, the case has been assigned the following number : XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : Inquiries XXXX XXXX XXXX XXXXXX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you