23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I am writing this letter because of the treatment I am receiving from Chase Bank on my XXXX loan. Chase decided to close all of our personal and business accounts in early 2020. This was unsettling, but it all worked out fine. I understand that a bank can choose who they do business with. 

Since this time, they still service my XXXX loan. It is impossible to be treated fairly when I call in. They have a hold on our account that causes employees to treat us like we are criminals. I have an XXXX plus credit score, and no criminal record. I have had so much XXXX  over the way I have been treated both in the bank and by phone. I am actually scared to even call in because the representatives are so unkind. 

I used to have a contact in the business side that was really helpful. He went above and beyond to help me, but now he has left. I am unable to login to online banking and honestly am feeling very distressed because I know that nobody will help me. I am entering my correct account number and social but it says that XXXX cant be found. If I call in, I will be passed around and treated unfairly. 

I have been charged forced placed insurance presumably from flood insurance. I have had insurance the entire time that I have had the loan. I have even sent proof of this. Because I am not able to communicate with anyone, I continually get charged fees that I dont understand. Because I am not able to use the website fully, I am not able to make payments toward this specific purpose. I have tried to make extra payments to resolve this. I feel like I will never be able to pay the loan down because there are always fees that nobody will explain to me. 

As a result we are going to move the loan, but we feel that Chase should reimburse the forced placed insurance and associated fees and interest that this has caused all the way back to 2020 since we had insurance and nobody will help us.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted to file a dispute with Transunion multiple times over the last few months on their website. Their initiate dispute feature has been down consistently in that time. Further, a dispute I previously submitted has not been dealt with. I attempted to call to get some information about what was going on and the representative was unhelpful and unable to answer my questions. I was not notified in writing about any status update or closure at any point. How is it that I am unable to rectify incorrect credit information with a company whom I did not consent to doing business with in the first place? I find it interesting that this company can just collect data, including sensitive personal/financial information, without having been given my consent and then continue to operate without any repercussions when they fail to protect the very information that dictates our financial freedoms. How they can continue making it extremely difficult to correct false reports on the phone with people who do not reside within the country they serve and hardly speak the language of the very customers they are there to help. My last dispute was never resolved, updated, or followed-up on and I have been unable to file a new dispute regarding an account I have never seen before. Federal law seems to only apply to citizens, not companies.
Product: Credit reporting or other personal consumer reports

I got so many late payments on trans union XXXX late payments for XXXX XXXX. When I never missed a payment ever and it automated come out my paycheck. Years of bad credit and high interest rates on cars/house loan because of it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax continues to report 4 accounts from XXXX XXXX that have been removed completely from my other two credit reports XXXX and XXXX. These need to taken off!!! 

XXXX XXXX {$120.00} XXXX XXXX {$120.00} XXXX XXXX  {$110.00} XXXX XXXX  {$120.00}
Product: Credit reporting or other personal consumer reports

These inquiries are not authorized. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit card

I am filing a complaint against Capital One regarding cash advance fees and unfair processing delays. 

On XX/XX/year>, at XXXX AM ( XXXX ), I took out a cash advance from my Capital One credit card. Fully aware of the high interest and fees associated with cash advances, I immediately took steps to pay off the cash advance balance in full within XXXX hours to avoid additional charges. 

On XX/XX/year>, at XXXX AM ( XXXX  ), I contacted Capital One and spoke with multiple representatives to pay off the cash advance in full. However, I was informed that I was unable to do so because the transaction was still in pending status. Capital Ones system would not allow me to pay the full cash advance balance because it was over the balance due on my account. Since the cash advance remained in pending status for multiple days, I was forced to incur additional daily fees of 28.99 % interest, plus an additional fee of {$5.00} or 5 % ( whichever is greater than the {$5.00} or 5 % ). 

This practice has created significant financial hardship for me. I took every responsible measure to immediately pay off the cash advance to avoid accumulating interest and fees, yet Capital Ones system is designed in a way that prevents consumers from settling their debt promptly. As a result, I was left with no choice but to wait for the transaction to post, all while unavoidable fees accrued daily through no fault of my own. 

I also requested a written disclosure outlining the full terms and conditions of my cash advance, including a breakdown of the {$5.00} or 5 % fee. However, Capital One denied my request for this disclosure to be sent via email or mail. This refusal raises concerns about transparency and fair lending practices, as customers should have the right to clearly understand the financial terms associated with their accounts. 

Capital Ones policies prevent customers from immediately paying off cash advances, ensuring they accumulate excessive fees. Their system keeps transactions in pending status for days, restricting consumers from resolving their balances promptly. Additionally, their refusal to provide written disclosures upon request limits transparency in financial agreements. I request that the Consumer Financial Protection Bureau investigate these practices and take necessary action to prevent consumers from facing financial burdens due to Capital Ones unfair policies.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX I have recently reviewed my credit reports from all three bureaus, and I have found discrepancies in the information reported. Specifically, the following items do not match across the bureaus : Listed above. 

Under the Fair Credit Reporting Act ( FCRA ), I understand that I have the right to dispute inaccurate information in my credit report, and the credit bureaus are obligated to conduct a reasonable investigation into my claims. I have already initiated disputes with each of the bureaus ; however, the discrepancies remain unresolved, and the inaccurate information continues to affect my creditworthiness. 

I kindly request that your office investigate this matter to ensure the accuracy of the information reported by these credit bureaus. I believe that the continued reporting of inaccurate information is not only detrimental to my credit score but also violates my rights under the FCRA. 

Please find attached copies of my credit reports from each bureau, highlighting the discrepancies mentioned above, as well as any relevant correspondence I have had with the credit bureaus regarding these disputes. 

I appreciate your attention to this matter and look forward to your prompt response. If you require any further information or documentation, please do not hesitate to contact me at the phone number or email address listed above. 

Thank you for your assistance. 

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

I HAVE SEVERAL ISSUES WITH MY CREDIT REPORT SEE LIST ON ATTACHED XXXX DOC ' THERE ARE MULTIPLE UN AUTHORIZED INQUIRIES THERE ARE LATE PAYMENTS THAT NEVER HAPPENED THERE ARE COLLECTION ACCOUNTS THAT ARE NOT MINE
Product: Credit reporting, credit repair services, or other personal consumer reports

Inquires are inarticulately reported.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the removed of the erroneous information which is being posted to my 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 XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Wyoming XXXX Experian Attn : Customer Care XXXX XXXX  XXXX XXXX, TX XXXX RE :  Request Investigation of Credit Inquiry on My Behalf Dear Sir or Maam, I recently conducted a review of my credit report, and I noticed that your agency showed a credit inquiries that is problematic. The inquiry in question was apparently made by XXXX XXXX XXXX XXXXXXXX XXXX, PA XXXX ( XXXX ) XXXX They assured me they would comply with my request and take whatever steps necessary to resolve the issue, but I wanted to contact you as well, just to make sure this gets done. Please investigate this inquiry at your earliest possible convenience, as I am going to be applying for a home mortgage in the near future. I would very much like to ensure my credit score is showing inaccurate depiction of my creditworthiness. 
Please update me with a full report on your endings within the next two weeks. I look forward to having this situation resolved as soon as possible. Thanks for your prompt attention to this mater, XXXX XXXX
Product: Credit card or prepaid card

I received a statement/bill from Capital One Master Card for a {$16.00} Fast Card Fee. I have not used this card in approximately 10 years and I thought the account was closed. I called Capital One and tried to discuss the XXXX charge as well as closing this account. They would not talk to me about the XXXX charge except that I needed to pay it. I did get them to closed the account, I think. Although they did not give may any name or code or receipt for my records to confirm the closing of the account. 

When I asked again about the {$16.00} charge they then told me they could not discuss my account as it was restricted since I requested it to be closed. 

I have not charged anything on this account. I have not received or activated the alleged card they are charging me {$16.00} for and they will not discuss the matter with me either other than to tell me to pay the fee. 

I do not feel they should be able to charge me for something I did not request not did I ever agree to.
Product: Credit reporting or other personal consumer reports

I am in disagreement with the account listed below which still appears on my credit report, even after your investigation. I would like this immediately re-investigated. The inaccuracies are highly injurious to my credit score. 

XXXXXXXX XXXX ACCT # XXXX, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611. 
Please provide the names and business addresses of each individual with whom you verified above so that I XXXX follow up. Please send me an updated copy of my credit report after your investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I spoke to XXXX banks and they informed me of information being reported by Experian AND XXXX that there was another social security number reporting from them. Ive been involved in identity theft for a while and Experian and XXXX have both reported other social security numbers as well as addresses that were inaccurate. 

There are two accounts that were requested to be removed due to the nature of identity fraud and consumer rights violations in collections concerning the accounts. These two accounts have been reporting negative for over 3 years and XXXX failed to produce paperwork regarding the return agreement for the furniture. 

XXXX XXXX XXXX XXXX : account number XXXX The merchant is involved in police report sent to Experian on XX/XX/XXXX that an employee stole the merchandise for own benefit and it was never returned. It was considered fraudulent. XXXX has removed from credit report. 

XXXX XXXX : ACCOUNT XXXX was removed from credit reports and agencies after finding Credit central violated FCRA laws and guidelines and attempted to collect debt violently. ONLY ACCOUNT NUMBER BEGINNING IN XXXX IS TO BE DELETED
Product: Vehicle loan or lease

On XX/XX/XXXX, I mailed a billing error notice to Capital One Auto Finance. 
I called Capital One customer Service to put them on notice. Capital One does not allow verbal communication with their legal or disputes department. 
This complaint serves as record of the notice sent, stating the following : Description of Problem : Hello, I received a bill for {$3000.00} on XX/XX/XXXX. I believe this to be an error based on the following. 

XXXX ) This note/bill is a debt security. The debt security was issued as a bearer bond with an interest coupon attached. According to the Capital One XXXX XXXX, in the description of debt securities,. the debt securities will be our direct, unsecured obligations. Whereas, this bill is a bond security, with the bottom being a coupon. As such, the sum {$3000.00} is in fact a credit and an interest payment due and payable to me. In the attached letter, you, Capital One, requested me, XXXX XXXX, to pay you this amount thus resulting in securities fraud. 

XXXX ) This bill and previous communication indicate there is an open consumer credit contract. As such, XXXX CFR XXXX applies to this transaction and defines a consumer credit contract as ( i ) Consumer credit contract. Any instrument which evidences or embodies a debt arising from a Purchase Money Loan transaction or a financed sale as defined in paragraphs ( d ) and ( e ) of this section. This provides proof that the consumer credit contract in place is evidence of a purchase money loan, in which case, according to 16 CFR 433.1 ( d ), Purchase money loan, I was supposed to receive a cash advance, and Capital One was supposed to receive a service fee. As such, I am claiming my rights to the cash advance that I never received at the beginning of this contract. Additionally, according to 15 USC 1666d, whenever a credit balance in excess of {$1.00} is created in connection with a consumer credit transaction through.

( 1 ) transmittal of funds to a creditor in excess of the total balance due on an account, ( 2 ) rebates of unearned finance charges or insurance premiums, or ( 3 ) amounts otherwise owed to or held for the benefit of an obligor, the creditor shall ( A ) credit the amount of the credit balance to the consumer 's account ; ( B ) refund any part of the amount of the remaining credit balance, upon request of the consumer ; and ( C ) make a good faith effort to refund to the consumer by cash, check, or money order any part of the amount of the credit balance remaining in the account for more than six months, except that no further action is required in any case in which the consumer 's current location is not known by the creditor and can not be traced through the consumer 's last known address or telephone number. 

Please advise me on the appropriate steps to receive my interest payment, my cash advance, as well as Capital One specific requirements for properly setting off the debt security and have the account credited properly for all past, present and future amounts. 

Regards, XXXX XXXX  XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to formally dispute and demand the immediate removal of the following fraudulent accounts and inquiries from my credit report due to identity theft. These accounts were opened without my consent, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) to have these items promptly removed.

I am also writing to formally notify you that I am a victim of identity theft and request the immediate blocking and deletion of all fraudulent accounts or information related to the identity theft, as authorized by 15 U.S.C. 1681c-2 ( a ). I became aware of the breach of my personal information through the XXXX data breach, which has exposed my sensitive data to unauthorized individuals. 
The following fraudulent accounts and inquiries have been identified as a result of this breach : TRANSUNIONXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

PEOPLE 'S COMPLAINTS DOCUMENTED EVIDENCE OF COMPLAINTS FROM PEOPLE WITH THIS FRAUDULENT COMPANY BOUNCE AL INC.
Product: Checking or savings account

I Deposited Money Into A XXXX XXXX XXXX ATM Machine But With My Navy Federal Credit Union Card. I Deposit An Amount Of {$2000.00} In Cash Into The ATM, At The End Of Deposit I Got A Receipt Back And At The Bottom It Said Transaction Not Permitted. The Machine Did Not Give My Money Back. I Have Been Trying For Over A Week With Both Banks To See How I Could Retrieve My Funds. Navy Federal Is Now Working To Retrieve My Funds For Me. I Just Keep Getting The Run Around And Now Im Out Of {$2000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, XXXX XXXX XXXX entered into a contract with me as a consolidation program to consolidate my debt and make one easy payment to them, and they would pay my debts. They did not pay those debts, and now all of my accounts are in charge-off status. This company did not make any payments on these accounts, as far as I can see, and has been ACH withdrawing from my bank account since XX/XX/XXXX. 
As of XX/XX/XXXX, I have paid them {$57000.00}. The first 9 payments were for {$560.00} and the last two payments have been for {$610.00}. 
They claim to be a credit repair company, and now my credit is completely ruined. 
I asked for a full refund and they are refusing to do that. 
I have recorded the calls where I stated that I will only accept a full refund of the money I had paid, less the " settlement payments '' that they claim to have made. However, they did not provide those " settlement agreements '' at any point in our time of working together.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 

XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XX/XX/2020 ; XXXX XXXX  XXXX XXXX XXXX XXXX GA XXXX XX/XX/2020 ; XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$920.00} ; XXXX XXXX Balance : {$12000.00}.
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 states I have the right to privacy. 15 USC 1681 section 604 A section 2, it also states that consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666 B, 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 card

This CFPB complaint is being filed pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), requesting that TransUnion credit reporting agency block information appearing on my consumer credit report as it is the result of identity theft and fraud. I request this be done within 4 business days of receiving this complaint. The fraudulent and inaccurate information includes the following accounts : 1. A personal credit card account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX, under account number XXXX. 2. A credit card account opened at XXXX XXXX through XXXX XXXX XXXX on XX/XX/XXXX, under account number XXXX. 3. A credit card account opened at XXXXXXXX XXXX XXXX XXXX on XX/XX/XXXX, under account number XXXX. 4. Another account was opened at XXXXXXXX XXXX XXXX XXXX on XX/XX/XXXX, under account number XXXX. These fraudulent accounts have led to multiple unauthorized hard inquiries and collections appearing on my consumer FICO credit report. I have attached a list of these hard inquiries along with a copy of my FICO credit report, which clearly shows the fraudulent items in question. I do not recognize any of these accounts, collections, or hard inquiries as being initiated by me. All of the aforementioned accounts, collections, and hard inquiries are a direct result of identity theft and fraud. In support of my claim, I have also attached a copy of the FTC Identity Theft Criminal Complaint ( Case NumbersXXXX, XXXX, XXXX ) as proof from the U.S. Federal Trade Commission that these accounts, collections, and inquiries are indeed the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I advised this company that this is not my debt. The socical security number on the debt is incorrect and is not my social security number ending in XXXX. This is my second time disputing this debt. The first time was earlier this year around XXXX.I am demanding this debt be deleted from my XXXX credit report immediately. This debt is not reporting to XXXX, or XXXX because they are unable to because this is my debt. I have confirmed with this company that they always report all loans to all 3 credit reporting agency 's.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX  is incorrectly reporting three late payments, these payments were never late. They tried to force me to buy their " insurance '' product ( which a federal judge ruled against XXXX XXXX and ordered them to fix issues relating from this illegal act ). I have ask XXXX XXXX XXXX XXXX  several hundred times to address this issue and stop reporting false information. They have hung up and tried to micromanage my speech. They refuse to get the proper senior executives involved to address the issue. I have tried for many many many many years to resolve this issue with them and every time they act more like unruly high school kids.