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

I received a letter from Capital One on XX/XX/19 stating they rebill the charge in amount of XXXX that XXXX XXXX XXXX charged on my card for the uniform my son never received. Nn XX/XX/19, I faxed the evidences such as screenshots of my conversation with the owner via texts. I followed up on XX/XX/19 to see if they have received and they haven't. I faxed it again and still haven't received it. I asked for a link to upload the documents. They sent me email to upload the documents. I followed up again and they stated they denied my claim because they dont accepted screenshots. I spoke with the supervisor and the supervisor encouraged me to write a progressive letter explaining what happened. I did and upload on the same day. I provided an explanation of how my conversation with the owner changed from email to texts and that my only communication with the owner is by texts because its easier for us and that I am XXXX. I also provided to support my explanation. In the text, the owner did stated he would refund me for the basketball uniform my son never received. I followed up the next day on XX/XX/19 and they told me they denied my dispute claim. I am upset about it.
Product: Credit reporting, credit repair services, or other personal consumer reports

After checking my credit report I noticed several inquiries that I did not recognize or authorize. I contacted XXXX, XXXX, and TransUnion on XX/XX/2023 via certified mail and brought this matter to their attention. They did not do anything about this issue. I contacted them again on XX/XX/2023 via certified mail again asking them why they did NOT do anything about this situation and if they can show me any proof of who tried to open accounts without my authorization. I did research and seen that there all laws that require the credit reporting agencies to provide proof of why they gave these companies access to my credit report without PERMISSIBLE PURPOSE? Since they have not done what they are required to do, I made sure I filed an identity theft claim with the FTC and am asking the CFPB with assistance with this situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went into a Bank of America facility located in XXXX, GA to open a Platinum Honors account. I currently have a Bank Of America visa card. I was offered to apply for a Bank of America Rewards Visa which offered cash back bonuses. I SPECIFICALLY asked the bank representative, XXXX XXXX, if this would be a " hard '' credit inquiry or a " soft '' credit inquiry. She assured me that it would be a " soft '' credit inquiry.I did authorize a soft credit inquiry. I did not need this credit card, I already have a Bank of America Visa, this credit card offered cash rewards. XXXX knew I did not want any " hard '' credit inquiries on my profile. After leaving the bank, I received an email notification from XXXX XXXX that a hard '' credit inquiry had been run against my profile. I was very irritated. I attempted to telephone XXXX via telephone and was unsuccessful. I also sent her an email. She did not respond to me so I drove back to the bank. XXXX was busy with other customers. I engaged in conversation with two other Bank of America representatives and XXXX, specifically confirmed what had been informed by XXXX that it was a " soft '' credit inquiry. I decided to telephone the customer contact center at XXXX with all of the confusion. I was informed there, that it would be a " hard '' credit inquiry. When I explained to the representative what I had experienced and she stated she could take a complaint. She also informed me to ask to speak with the Branch Manager and she would be able to go thru and dispute the credit inquiry and have it removed. By this time, XXXX was free and she could tell how upset I was. She apologized and explained that it was their understanding that it would be a " soft '' credit inquiry. XXXX did ask me if I wanted to keep the credit card. I informed her that if the credit inquiry could be removed, I am willing to return the credit card when it arrived. She took my phone number and stated she would get back with me and as of this writing I have not heard from her. 
Today, prior to working hours, I received an email from the Branch Manager, XXXX XXXX welcoming me as a new customer. I responded to her email explaining this entire nightmare, how difficult it was to reach someone at this location via telephone and in the event she was not the correct person I needed to speak with, to please respond to my email with the corporate headquarters contact information. As of this writing, I have not heard from anyone. I have contacted the visa department and explained the entire situation. The visa department stated the credit inquiry would not be removed. Since it was mis-information provided by Bank of Americas employee, they should do the right thing and remove this inquiry. It would have NEVER been an inquiry if she had informed me that it was a hard inquiry. Bank of America can check my statements with the credit card I had and could see there was VERY LITTLE activity on this visa until the holidays.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have two fraudulent injuries reporting on my transunion credit report which are listed below I didnt not apply or authorize these inquiries. 

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

CAPITAL ONE HAS DISRIMINTAED AGAINST ME ATTEMPTING TO EXERCISE MY CONSUMER RIGHTS! I HAVE SUBMITTED AN ENDORSED COUPON FOR THEM TO ACCESS MY ACCOUNT. THEY HAVE CLOSED MY ACCOUNT ( XXXX ) AND LEFT ME WITH A BALANCE OF {$30.00}. CAPITAL ONE IS ALSO REPORTING NEGATIVELY ON MY CONSUMER REPORT WITH LATE PAYMENT WHICH IS AGAINST THE FEDERAL USC CODES.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

My complaint concerns PHH Mortgage. 

On XX/XX/XXXX We refinanced our mortgage with another entity ( not PHH ). We signed all the closing documents on XX/XX/XXXX. They were to pay off PHH mortgage. They did that. 
On or about XX/XX/XXXX it occured to me that I had not received any written documentation from PHH nor had I received the excess funds that were due to me from PHH as a result of the payoff. The amount was {$10000.00}. I called them. They said they issued a check on XX/XX/XXXX - a FULL 26 DAYS after the closing. They said they send it via regular mail. I then called again on XXXX since I had not received the check. They offered to stop payment on the XX/XX/XXXX check and reissue a new one.  They said it would take 10 days and would come regular mail. I also asked why they don't send a payoff letter. They claimed they will only send a payoff letter if I request it. Not usual practice. 
On XXXX, I received a XXXX  next day air envelope ( tracking XXXX ) with the check dated XX/XX/XXXX. The XXXX label shows that it was sent on XX/XX/XXXX. 
I called again on XX/XX/XXXX to see if I would be able to cash that original check, they claimed they had already put a stop payment on it since they were going to issue a replacement check. I asked how they were planning on sending the replacement check and they said regular mail llike the last one which did not come regular mail obviously. 

I DON '' T KNOW WHEN OR IF if I will receive a replacement check - but my guess is if I do, it will be in the neighborhood of 2 MONTHS to get a refund of over payment of {$10000.00}. 

I believe that they do this on purpose so they can bank the funds for a while : Delay the check, customer complains, cancel check, reissue check, mail it ( maybe ) without tracking information. 

I have the envelope with the XXXX next day air tracking and date label, the check dated XX/XX/XXXX which I can not deposit because they put a stop check order on it while they fumble around and reissue the check. 

As an aside I also refinanced another property at exactly the same closing, that went perfectly and the payoff was to XXXX  XXXX XXXX and the overage was issued in a check to me with in weeks of closing. 

I think they are not following the consumer protection law and I am also worried that they will not file a satisfaction of mortgage with the appropriate agency.
Product: Student loan

XX/XX/XXXX I was with XXXX and asked for a Covid payment refund, which was submitted. I called them again in XXXX for an update since I hadn't seen anything, and they said they had to send it again ( which they never did ). I was then transferred to Mohela. Here we are a year later, and FINALLY the refund was " sent out '' on XX/XX/XXXX. And yet it wasn't. The treasury has NO record of a request to send a check. So now, I'm accruing interest on a $ XXXX balance that has never actually been sent, and at the rate these servicers work, it won't be for another year. Why is this taking so long and why has this been added to my balance when a check hasn't even been cut? The balance needs to be updated to the date the check is cashed- if I ever get one. This is ridiculous and so frustrating. It's been over a year!!!
Product: Credit reporting or other personal consumer reports

These inquiry are fraud XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Payday loan, title loan, personal loan, or advance loan

Loan Number XXXX To whom it may concern : I believe I've been subjected to predatory lending practices on an account. Despite paying {$1400.00} towards a {$3000.00} loan, only {$250.00} has gone towards reducing the principal balance.
Product: Checking or savings account

I tried to link my bank account directly to a charity to save them some fees on XX/XX/2020, and PNC will not allow the connection to be made. I also utilize a savings service app that can not to connect to my bank account multiple times a week, even though it's a service I pay to use.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and the date last reported is not accurate. This is grounds for removal. 

Experian CHARGED OFF Account info Account name : XXXX XXXXXXXX XXXX Account XXXX Account type : Auto Loan Responsibility Individual Date XXXX Status Closed. {$4.00}, XXXX written off. 
Status updated XX/XX/XXXX Balance {$0.00} Balance XXXX Recent payment $ 375 Monthly payment {$0.00} Original balance {$7100.00} Highest balance {$0.00} Terms 44 Months Account info Account name : XXXX XXXX Account XXXX Account type : Auto Loan Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$16.00}, XXXX written off. {$11.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$11000.00} Balance updated XX/XX/XXXX Recent payment $ 0 Monthly payment {$0.00} Original balance {$14000.00} Highest balance {$0.00} Terms 60 Months On record until XX/XX/XXXX Account info Account name XXXX XXXX XXXX XXXX XXXXXXXX Account XXXX Account type : Collection Responsibility Individual Date opened : XX/XX/XXXX Status Collection account. {$2.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$2700.00} Balance XXXX Recent payment $ 0 Monthly payment {$0.00} Original balance {$2700.00} Highest balance {$0.00} Terms 1 Months On record until XX/XX/XXXX Note : My address is XXXX XXXX XXXX XXXX XXXX. I have sent a dispute letter in regards to this to Experian and XXXX. This is unfair practice and it violates my right under : 15 USC 1681 622A- Right to privacy 15 USC 1681 604A Section 2 : A Consumer reporting agency can not furnish an account without written instructions. 
I am asking for a monetary fine furnished to me for violation of {$100.00} up until {$1000.00} or a removal off of my Experian and XXXX reports. I do not owe on these closed and charged off accounts
Product: Money transfer, virtual currency, or money service

1. on XX/XX/XXXX I requested a bank transfer of {$320.00} from my Venmo account to be deposited in my XXXX XXXX account. I made the request via the Venmo app installed in my phone. Reading the online documentation I discovered that the transfer could take up to two weeks to complete. I reached out to Venmo to cancel the transfer but was informed that after the transfer is initiated there is no way to stop or alter the process. Instead I must allow ten to fourteen business for the transfer to complete. Then, at that point, if the money wasn't available I should contact them. 
2. Around XX/XX/XXXX when I hadn't received the money I contacted Venmo and inquired with XXXX XXXX. Neither could explain why the money had not been deposited. I filed a dispute with Venmo for resolution and asked the full amount be refunded. 
3. I made almost daily inquiries to XXXX XXXX and Venmo for an explanation and restitution. I was provided a Bank Trace Number to be given to XXXX XXXX. However, when I spoke to the representative of XXXX XXXX  she insisted there had no interest in the XXXX  XXXX, asserted that the XXXX XXXX  employees had no knowledge of the XXXX XXXX accounts and no access either. I was told I would need to obtain a reversal from the source bank reclaiming the money. However, when I contacted Venmo the Support person I spoke with said flatly that since they had already denied my dispute the matter was settled. She maintained that there was no appeal process and no established procedure for obtaining any funds. The matter was settled. 
4. Because I can not afford to be out over XXXX XXXX dollars I refused to accept their decision. I continued my efforts to determine where the money had been deposited and why I couldn't access the funds. I have been told that it violated banking guidelines to discuss the matter with me, that both companies retain no records of the transaction and can not provide the missing digits of the account number, that the account information has been deleted from my account leaving me with no way to identify the " personal checking '' or the account associated with a different card assigned to me. 

I have retained email correspondence, screenshots and put together a rough timeline of the event which I would be happy to provide. I resolved to be patient but persistent with both companies but I can not hide my frustration. Time and again reps made statements that seemed highly dubious but my ignorance of bank policies and financial procedures kept me from disputing what I was told.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have send all 3 credit bureaus letters to remove inquires which I do not recognized. None are from companies or businesses I deal with. I also have place a freeze on my account to prevent unauthorized inquires. They have ignore all 4 times I have send a request. 

Here are tracking for all the mail I sent plus others which I just put a postage stamp XXXX XXXX XXXX XXXX XXXX XXXX They need to remove those inquires as requested from all 3 credit reporting agencies. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   I have also mail the names of those who placed the inquires with to no avail
Product: Credit reporting or other personal consumer reports

I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The following inquiries were not authorized and should not be reporting.
Product: Checking or savings account

Back in XXXX I would constantly get hit with fees after fees. Then towards the year of XXXX they took {$2000.00}. They were supposed to dispute the charge and did not because I had all the proof of the fraud. They are crooks and I would like my {$2000.00} back, plus all my ridiculous fees!!!
Product: Debt collection

Attached is letters from a supposedly law firm trying to collect money. I viewed my credit reports and found no such debts. 
Account # XXXX Client : XXXX, XXXX, XXXX & XXXX XXXX LLC Claim # XXXX Amount : XXXX, XXXX offer of XXXX. 
I called and asked who the company was and they only gave me " HSBC bank ''. 
They also gave me a date of 2018 and the name XXXX XXXX XXXX. 
I have never heard of this company and the date doesn't coincide with any action or purchases I have ever made. Again, I searched my credit reports and there are no coincidences. 
They're phone number is XXXX ( XXXX ) XXXX Website : XXXX This is the only correspondence I have received to date. 
Thank you for your help,
Product: Credit reporting

On XXXX/XXXX/15 I viewed an account alert from credit check agency, phone # XXXX XXXX, they list the following : XXXX/XXXX/15 XXXX is Experian the company name is : XXXX XXXX. Payment Status : Collections in the amount of {$680.00} their address appears as follows : XXXX XXXX XXXX XXXX XXXX XXXX, Fl. XXXX
Product: Credit card or prepaid card

A website company XXXX with no phone number charged my account {$25.00} for merchandise I did not receive and another {$5.00} to ship it. XXXX XXXX XXXX denied the refill and said I had XXXX to see my XXXX. Great, I'm fine with that but XXXX XXXX isn't accepting my explanation. THey haven't even reached out to merchant. All they do is send it to XXXX or XXXX who do not understand XXXX as primary language. Sanctions and interest should be paid for withholding this dispute unfairly and illegally, not put me through a paper chase.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently pulled my credit and this collection was on it. The Compnay never sent me anything by mail, email etc. to give me a chance to verify ( challenge ) the debt was even valid. I called and spoke to the Compnay and received letter I have uploaded in the mail. 
the latter was mailed from the Compnay and mailed to me like I type the letter. 
I asked Credence Resource for validation of debit and this is the letter I received.
Product: Credit reporting or other personal consumer reports

i have submitted several disputes to all the major credit reporting bureaus ( Experian/XXXX ) on my XXXX XXXX account. I've requested several times to look into the inconsistent information being reported. do date all i have received are notifications stating the account has been either updated or verified as accurate. To date XXXX is reporting a completely different account number. I don't even know if this is my account they're reporting. XXXX is reporting a high balance of {$750.00}. Experian is reporting a high balance of {$0.00}. XXXX is reporting a high balance of {$1.00}. XXXX is reporting date of last activity as XX/XX/22. Experian is reporting date of last activity as XX/XX/22. XXXX if reporting date of last activity as XX/XX/22. XXXX and Experian are reporting date of last payment as XX/XX/22 but XXXX reports it as XX/XX/22, which again makes me question if this account is even mine. XXXX is also reporting a {$0.00} credit limit. How is a balance owed on {$0.00} credit limit? I am entitled to a fair and accurate report. If this is the same account, why are they reporting different information across all 3 bureaus? I have requested verification and validation of this account OR complete deletion from my credit file. I have received neither.
Product: Debt collection

After closely reviewing my credit report, I noticed multiple accounts that seem incorrect and were added without my authorization.
Product: Credit reporting, credit repair services, or other personal consumer reports

I obtained a loan from XXXX XXXX for a car I could not afford. I purchase another CAR FOR 25 % Intrest an pay over XXXX per month. I need help.
Product: Credit reporting

Equifax has not been any help to me I called to let them know that my student loan which is in good standing is appearing on my credit report numerous times and its all XXXX loan.It has been consolidated. I provide them with all the information that I could and they still did not remove anything.I have called my student loan company and they stated they submitted all my paper work to the credit bureaus and it should not be reflecting on my credit.I let Equifax know what my loan company said and still got no help!
Product: Credit reporting or other personal consumer reports

personal information has been exposed. i have recevied a ridiculas amount of unsolizdted offers
Product: Credit reporting or other personal consumer reports

I have one open up to date account with Capital One that I dont want touched. My goal is to rebuild my credit. 

I have 2 accounts with Capital One that were added in my XXXX XXXX XXXX dated XX/XX/XXXX. These 2 accounts show derogatory payment plan in bankruptcy and also show 2 negative accounts on my credit report. 
It says negative pay status ; what status I completed my bankruptcy payments in XXXX XXXX. It was discharged XX/XX/XXXX. 
I want the two old inaccurate reported accounts removed from my credit reports.
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my ongoing dispute regarding unauthorized inquiries on my credit report. Despite my previous communications, I am disappointed by the lack of progress and satisfactory resolution to my request. It is evident that there has been a lapse in your process, as I continue to receive same credit report including these unauthorized inquiries that I requested for their removal.
Product: Credit reporting, credit repair services, or other personal consumer reports

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