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

Today, XX/XX/2020 at approximately XXXX I was unable to use my Capital One Visa card ending in XXXX to pay my {$17.00} haircut at XXXX XXXX. 

When I returned home, I called Capital One XXXX. XXXX took my call. I asked her why was I unable to use my card and she replied, there has been a fraud activity on my card and my Visa card ending in XXXX has been restricted. I asked XXXX when was the fraud and from whom. XXXX said it happened just before my haircut purchase. I asked for more information on the fraud activity such as date and time it happened and she hung up on me. 

I called the Capital One XXXX number again and asked to speak to upper management. XXXX took my call and she transferred me to XXXX, a Manager. XXXX said XXXX did not take any notes from our call and apologized. XXXX agreed to file a complaint on her behavior. I asked XXXX to tell me when and where the fraud happened. XXXX said that a " merchant '' was compromised not my Capital One Visa card ending in XXXX. I asked her who was the merchant and she advised me that she is not allowed to tell me. I then asked her if other charges besides the {$17.00} haircut charge were declined and she said yes. XXXX told me that two charges from my health insurance company, XXXX were declined. XXXX was the merchant before today 's haircut. XXXX then asked me for my phone number so she can send me a one-time verification code to send me a replacement card. She read a disclaimer advising me that I may be charged to receive the one-time verification code. I refused. XXXX kept asking for my phone number. I kept saying that I will not give her my phone number and that she needed to send me a replacement card to the address she has on file. XXXX just kept asking for my phone number. I hung up after 4-5 requests. 

I called XXXX and asked them it they were compromised. XXXX said no - that they had no breach on my account or anywhere at XXXX. I asked XXXX if my autopay charges were declined by Capital One today and XXXX said yes, it was declined today at XXXX and no reason was provided. 

XXXX, the merchant prior to my haircut purchase today, and the only other merchant declined was not compromised. Accordingly, I was incorrectly informed by Capital One. Furthermore, Capital One has frozen my account for no good reason.
Product: Payday loan, title loan, personal loan, or advance loan

I took a loan for {$750.00} made four payments, 2 months of XXXX XXXXXXXXbiweekly and should have covered the loan and interest which is XXXX XXXX   day/ {$100.00} loaned, I have paid back the loan plus interest, but they are trying to continue to debt my account.
Product: Mortgage

LAST FRIDAY I WAS CALLED TO DO THE CLOSING OF A HOUSE THAT I WAS TRYING TO BUY,THE TITLE COMPANY(NU WORLD TITLE,LLC)TOLD ME I WAS GOING TO NEED A GIFT FROM A FRIEND FOR THE AMOUNT OF 3700.00,THAT CALLED MY ATTENTION BECAUSE I HAD ON MY ACCOUNT ENOUGH MONEY,AFTER CLOSING I HAD A BALANCE OF MORE THAN 6K.
AFTER I SIGNED AND THEY GAVE ME THE HUD-1 ON FRIDAY NIGHT THEY INSIST IN THE GIFT AMMT TO BE TRANSFER TO THEM,ON SATURDAY I RECEIVED MY KEYS AND I MOVED IN OVER THE WEEKEND,ON MONDAY THEY STARTED CALLING ME FOR THE GIFT MONEY AND I REALIZED THAT THEY NEVER GAVE ME THE WARRANTY DEED,TODAY AFTER SEVERAL CALLS MY REALTOR JUST INFORM ME THAT WE NEVER DID I CLOSING AND THATS WHY I DONT HAVE A WARRANTY DEED,NOW IM LOST AND I DON'T KNOW IF I HAVE TO PAY MORE MONEY OR IF I DON'T AND I ALSO WAS TOLD BY MY REALTOR THAT THE MONEY I PAYD FOR INSURANCE(XXXX) IS NOT INCLUDED IN THE CLOSING COST AND THAT'S WHY THE AMMT I PAYD OVER THIS PROCESS IS NOT THE SAME THAT THE ONE IT'S IN THE LINE#XXXX OF THE HUD-1.
CAN SOMEBODY CLARIFY WHAT IT'S INCLUDED IN CLOSING AND DO I HAVE TO LEAVE THE HOUSE AFTER I MOVED.THANKS IN ADVANTAGE AND I'M WAITING FOR A PRONT RESPONSE.
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS ACCOUNT IS REPORTING FALSLY AND INACCURATELY ON MY CONSUMER REPORT. Please provide original documentation bearing my wet ink signature as evidence of my obligation to this inaccurate account. 
PORTFOLIO RC Account Number : XXXX If furnisher is unable to provide the original contract and consumer credit application bearing my wet ink signature, I demand this account be DELETE IMMEDIATELY! Pursuant to the FCRA & the FDCPA IF YOU FAIL TO PROVIDE THIS DOCUMENTATION ( ORIGINAL CONSUMER CONTRACT AND APPLICATION ) AND INSTEAD PROVIDE 'STATEMENTS ' OR OTHER COPIES OF UNREQUESTED DOCUMENTATION. YOU AGREE THAT YOU DO NOT HAVE THE RIGHT TO COLLECT THIS ALLEGED DEBT. IN WHICH CASE YOU ALSO AGREE TO DELETE THIS ACCOUNT FROM ALL MY CONSUMER REPORTS. 

Under federal law, you have thirty ( 30 ) days to complete your investigation for the aforementioned documentation OR delete these items before that time OR I WILL FILE FOR LITIGATION in FEDERAL COURT. 

This alleged debt has caused considerable damage to my reputation and I will exercise all rights under the law for remedy if you do not make these corrections immediately!
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information that you have reported on my credit report. The entry in question is as follows : Account Number : unknown Reported Amount : {$610.00} & {$610.00} Nature of Dispute : I believe the information is incorrect and unverified. ] Under the Fair Credit Reporting Act ( FCRA ), specifically Section 1681s-2 ( b ), furnishers of information are required to ensure that the information they provide is accurate and verifiable. Furthermore, Section 1681i of the FCRA mandates that upon receiving a dispute from a consumer, the credit reporting agency must conduct a reasonable investigation to ensure the accuracy and completeness of the information reported.

I request that you investigate this matter thoroughly and provide me with a written response detailing the results of your investigation. If you are unable to verify the accuracy of this information, I expect it to be promptly corrected or removed from my credit report. Additionally, I request that you notify all three major credit bureaus ( XXXX, XXXX, and XXXX ) of these corrections. 

Please be advised that if this matter is not resolved to my satisfaction within [ 30 ] days, I will consider all available legal remedies, including but not limited to seeking litigation for violations of the FCRA and any other applicable consumer protection laws. I would prefer to resolve this matter amicably and without the need for legal action, but I am prepared to take all necessary steps to ensure that my rights are protected.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent numerous requests to experian to provide proof of verification of     XXXX   XXXX   XXXX   XXXX   XXXX    account that is being reported on my credit. Under the FCRA  Act,  the bureau 's are responsible for keeping this documentation on file. Under the FCRA, experian has to verify the account with the original documentation in order to comply with the " right to report '' and FCRA laws. If the original documentation is not provided, the company must delete the account. Under the FCRA, Experian must provide a copy of the verifiable original creditor documentation if it is requested properly by the cosumer. Since Experian can not provide proof of verification to me in the form of a physical contract document per this request and the handwritten request that is uploaded to this file, the account is classified as " unverified '' and under the FCRA, all unverified accounts must be deleted. I would also like to note that experian comes back with they have " verified '' the debt but never provided written proof. If they never received written proof, then the numerous times they have come back with a supposed " verification '' is a complete lie and breaking the law.  Either  show me documentation in its original form for the     XXXX   XXXX   XXXX   XXXX   XXXX    account or remove it from my credit report. I have also uploaded my driver 's licnese and paystub with the last  XXXX  of my socail that matches my credit report,  XXXX .
Product: Student loan

I made a payment on my student loan for {$250.00} on XX/XX/XXXX. Three weeks went by and still nothing had been taken off of my loan and there is nothing EdFinancials website stating that I made a payment. Despite the fact, that it took the money out of my bank account, I have a confirmation email for the payment from EdFinancial, and it is shown on my bank statement that it was taken out. I then sat on hold for three hours waiting for someone to pickup the phone at EdFinancial, only to be told that they do not know where my money went and can not help me. I then submitted my bank statement and screenshot of the payment confirmation email that was sent after I made the payment so that they could review it and apply it to my loan. It has now been another week and I have not been contacted, nor has my money been applied to my loan.
Product: Mortgage

In XX/XX/XXXX our mortgage lien was discharged in bankruptcy. Our original lien holder was XXXX XXXX XXXX XXXX XX/XX/XXXX. It was transferred to XXXX XXXX XXXX just before filing and discharge in XX/XX/XXXX XXXX. 
Despite the lien being discharged, possession remained in our names. We initially wanted to try and keep the property. As such, we tried to refinance through XXXX XXXX XXXX by submitting ALL required paperwork over 8 times during the next 2 years. 
In XX/XX/XXXX we experienced a house fire, and our insurance company declared the home a complete loss and paid {$130000.00} to rebuild. We signed the check over to XXXX XXXX XXXX, who then instructed us on processing the claim and beginning the rebuild. 
We complied with everything they requested and despite many attempts and well documented communication with them, they would never issue any funds to begin the process. Due to the time it has taken to resolve the matter, we now want the property out of our names so that we can move on with our lives and buy a new house. 
In XX/XX/XXXX XXXX XXXX XXXX sold the mortgage to Carrington Mortgage Services. The insurance funds were wired to Carrington as well. I contacted Carrington and was instructed to submit a request to their Research Dept. so they could look into the matter. The only option to do this was by regular mail, according to Carrington. 
To help us through this process, we obtained legal counsel and authorized the law firm to represent us in resolving the issue. An authorization was sent to them by the Attorney as well as a request to either allow us to transfer the property to them by way of a Deed-in-Lieu of foreclosure, or to have the lien deemed satisfied and released by applying the insurance funds to the account. The initial contact with Carrington was made XX/XX/XXXX. On XX/XX/XXXX -XX/XX/XXXX, all documentation they requested was submitted to them by the attorney. Each time he contacts them, they initially deny he has authorization to represent me. After 3 attempts each time, they then have told him to call back next week to check the status of the deed-in-lieu application. They have had possession of the account since XX/XX/XXXX, as well as the insurance funds. Neither Carrington nor XXXX XXXX XXXX has handled our account appropriately, and Carrington is continuing to further delay resolution by not cooperating. We were not able to purchase a home this year due to the title of this property still being in our names. It has been 6 years since our bankruptcy.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm XXXX XXXX and I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
BANK OF AMERICA XXXX Open Date XX/XX/2014 Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, XXXX XXXX Sections XXXX within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXX/XX/XXXXXX/XX/XXXXXX/XX/2020
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Put a card credit inquiry on my experience credit site. Its not down by me. Its hurts my credit score.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint and demand immediate action regarding the ongoing failure of credit bureaus to correct inaccurate personal information in accordance with the Fair Credit Reporting Act ( FCRA ). This failure has directly resulted in significant errors and delays in my social security case due to an inability to verify my correct information. 

Details of my complaint are as follows : Despite multiple attempts to correct my personal information with the credit bureaus, including but not limited to [ specific dates of contact ], I have been met with persistent negligence and disregard for the accuracy of my credit report. 

I am legally entitled under FCRA to have the following accurate information reported : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ] Employers : Requesting removal of all employer information This inaccurate reporting has directly impacted my ability to verify my identity for important purposes, such as my social security case, leading to errors and delays that could have been avoided if the credit bureaus had complied with FCRA requirements. 

Enclosed with this complaint are documentation supporting my correct personal information. 

I demand that the Consumer Financial Protection Bureau enforce the FCRA laws and take immediate action to compel the credit bureaus to correct and update my personal information accurately. It is within your authority and duty to ensure compliance with these laws to protect consumers like myself from the harmful effects of inaccurate credit reporting. 

I expect a prompt and thorough investigation into this matter, along with appropriate enforcement actions to rectify the credit bureaus non-compliance with FCRA. 

Thank you for your urgent attention to this matter. I look forward to your swift resolution and corrective action.
Product: Credit card or prepaid card

As a consumer and natural person, I am exercising my right to rescind the following transactions : XX/XX/2021 XXXX XXXXXXXX XXXX XXXX XXXX GA XXXX XXXX {$22.00} ; XX/XX/2021 ATM WITHDRAWAL XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA {$60.00} ; XX/XX/2021 XXXX XXXX XXXX VIS XXXX XXXX GA XXXX {$35.00} ; XX/XX/2021 XXXX # XXXX VIS XXXX XXXX GA XXXX {$16.00} ; XX/XX/20XXXX XXXX  # XXXX XXXX  XXXX XXXX GA XXXX {$51.00} ; XX/XX/2021 XXXX XXXX XXXXXXXX XXXX XXXX XXXX GA XXXX {$6.00}
Product: Credit reporting or other personal consumer reports

I see reported on my credit report with trans Union that The United States bankruptcy XXXX for XXXX XXXX XXXX XXXX XXXX reported I filed bankruptcy XXXX, which is in accurate because I have a letter stating that they indeed did not report this to Trans Union XXXX I obtained this letter after mailing the court A letter asking the day indeed report to trans Union. I did not authorize this. I then tried to dispute this From my credit report, and they deny my request even with this letter, which means they are not properly verifying the information.
Product: Mortgage

Having received a reply from the history of my loan, XXXX XXXX, who went bankrupt and gave out faulty and or predatory loans, Litton loan who has had its ' owner purchase shares of new loan servicer with indemnity clause and finding knowledge of hedge funds and investments traughs that may have been awarded compensation on the note of my property, wanting to stay in home with a workout solution with added income. The persistence I have had to provide a home for my family and XXXX childs needs as a hardship said earlier, leaves me a pursuit to quiet title on residence for a additional loan audit which was securitized XXXX, XXXX XXXX having legal issues with real estate domestic and abroad. Having XXXX a year income since XX/XX/XXXX makes me want to cure with findings a lodgical solution with aided government help to see all is legal and done properly. The signing of papers from a censured attorney and a attorney that was sent to jail ( XXXX XXXX ) for mortgage fraud and other legal issues have hindered my resolve but to add more delays. Please find a happy Medium that a arbitration can produce a mediation that works for all involved. Ocwen, XXXX XXXX XXXX, XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit reports for XXXX XXXX, and Transunion all show that my student loans were 90 days late as of XX/XX/2017. However, they also show that in XXXX and XXXX, the accounts were in good standing. I have disputed this with all bureaus numerous times and still they have not fixed these errors. My loans were in forbearance then in deferment so my payments were never late. I tried to dispute these errors again and the website would not allow me to submit a new dispute.
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 # XXXX and Account name : XXXX XXXX Account # XXXXXXXXXXXX XXXX has violated my rights. I looked at my Equifax credit report on XX/XX/year> and noticed some things are incomplete and not accurate, and according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to XXXX XXXX XXXX ( XXXX ) ( b ). And according to XXXX XXXX XXXX XXXX they are suppose to do this ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) in general, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, if an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notity the furnisher of that that the information has been modified or deleted from the file of the consumer. In accordance to XXXX XXXX XXXX they are suppose to 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

I am writing to express my concern about a violation of my rights under the Fair Credit Reporting Act. Specifically, XXXX # XXXX has violated my privacy rights under 15 USC 1681 section 602. As a consumer, I have the right to privacy and to control the information that is shared about me. According to 15 USC 1681 section 604 A section 2, a consumer reporting agency can not furnish my account with my written instructions. This means that I have the right to decide who has access to my credit information and how it is used.

Furthermore, 15 USC 1681a definitions ; rules of constructions - exclusion - except as provided in paragraph, the term consumer report does not include any report containing information solely as to transactions or experiences between the consumer and the person making the report. This means that any report that contains information about me must be accurate and based on actual transactions or experiences.

Finally, 15 USC 1666B states that a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purposes. This means that I have the right to make payments on time and not be penalized for doing so.

I am aware of the " Opt Out '' requirement detailed in subsection ( b ) of 15 U.S. Code 6802, and I understand the definition of " nonpublic personal information '' as provided in subsection ( e ) ( 4 ). I expect that my rights under the Fair Credit Reporting Act will be respected and that my privacy will be protected.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involve.My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiries is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the inquiries that are still reporting on my account : XXXX XXXX XXXXDate of Inquiry XX/XX/XXXX XXXX
Product: Student loan

I contacted XXXX XXXX which then became Navient without my knowledge until I received an email from Navient. XXXX XXXX did not warn me about the company changing over, nor did they update me with contact information for Navient. I have received SEVERAL emails that I still poses forcing me to make payments while I was in school. I was always told payments are to be in derferment if the student is enrolled in a certain amount of credits for the semester. Well, I received emails telling me I was delinquent on payments, and how I needed to contact them right away. The emails told me payment was coming due because of the terms changing on my loan. I tried to call them to work out a plan a while back, but they told me they had no plans to fit my needs. All I constantly received was emails telling me the term for my loans have changed and I had to pay this amount by this date. This was unprofessional.
Product: Credit card or prepaid card

I HAVE CALLED OVER AND OVER ALONG WITH SPOKE TO REPS IN REFERENCE TO MAKING MY PAYMENTS. 

MY LINE OF CREDIT PAYMENTS WAS PAID MORE THAN THE DUE AMOUNT TO PAY AHEAD AND THEY WAS NEVER APPLIED TO PREVIOUS MONTHS AS REQUESTED. ( EXAMPLE MY MINIMUM PAYMENT IS {$25.00} SO I PAID {$100.00} TO PAY FOR THE NEXT XXXX MONTHS AND THE ENTIRE {$100.00} WAS APPLIED. ) MY CREDIT CARD I ADVISED THEY LOCKED ME OUT OF ONLINE SO I HAVE NO ACCESS TO LOG ON TO PAY WHICH HAS BEEN ADDRESSED OVER AND OVER. WHEN I ATTEMPT TO CALL TO MAKE PAYMENTS IT DOES NOT ALLOW ME TO MAKE PAYMENTS. THE LAST REP OPENNED A TICKET TO HAVE THE LATE PAYMENTS REMOVED AS TRUIST ERROR. WHEN I VISITED THE BRANCH AS ADVISED I GOT NO HELP AND WAS SENT WITH STILL NO RESOLUTION. I HAVE RECEIVED CALLS DURING WORK HOURS WHICH I EXPLAINED I CANT GET PERSONAL CALLS LEADING TO ME BEING TERMINATED EFFECTIVE XX/XX/XXXX. TRUIST XXXX XXXX REPS KEEPS ADVISING SUPPORT CAN HELP AND THEY HAVE NOT BEEN ABLE TO HELP. THE REP DID COMPLETE A FORM TO HAVE MY LATE FEES REMOVED AND REPORTING ON MY CREDIT BUREAU