23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

*THIS IS NOT A DUPLICATE RESPONSE* XXXX Bank believes that their company policies and procedures supersedes federal laws. After making XXXX Bank aware of the numerous federal laws that they are breaking under the FCRA, Gramm Leach Bliley Act, TILA and commiting Aggravated Identity Theft, they confirmed that they will continue to break federal laws to cause me hardship to defame my character as a consumer operating in commerce. They are disregarding my right to privacy for the best interest for them to extort me on extension of credit. Im making the XXXX XXXX XXXX XXXX ( FDIC ) and the Federal Trade Commission ( FTC ) aware of their unfair deceptive practices also! *see attachments*
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX and final attempt to supply court documentation to XXXX, XXXX, and Equifax regarding a recent lawsuit with XXXX ( Account # XXXX ). The lawsuit was DISMISSED due to XXXX 'S MOTION TO DISMISS FOR LACK OF XXXX RESPONSE APPROVED BY THE JUDGE IN COURT. LACK OF XXXX RESPONSE ( LAW meaning ) : the ruling by a judge that all or a portion ( one or more of the causes of action ) of the plaintiff 's lawsuit is terminated ( thrown out ) - - The Plaintiff ( XXXX ) FAILED to provide evidence that the debt is owed to XXXX ( Account # XXXX ). Therefore, the court DISMISSED the case - SEE ATTACHED SUPPORTING DOCUMENTS - Proper court documents are being provided AGAIN. I am NOT liable for this negative tradeline AND it should be permanently deleted from my credit file. I have contacted my attorney, XXXX XXXX XXXX in XXXX XXXX, TX and considering a lawsuit for willful non-compliance ( FCRA-616 ), IF this item is not removed.
Product: Mortgage

I received a call from a gentleman who claimed to be with US Bank. That is where I have a home equity loan. He told me I was chosen for a re-structure loan because of covid. When I started to ask questions about the product he was suggesting, he got angry with me and started to yell at me - which sent alarm bells off in my head! I told him I couldn't write anything down because I was driving. Again He got angry and told me to call him back when I was prepared to write things down. I then called US Bank to verify his existence as an employee of their 'Mortgage Assistance Dept. ' They said there was no one there by that name or number. So I am reporting this as attempted scam. What has me extremely worried is he had my information. My work number, the amount of the loan, address, phone number and the last four digits of my SS number. He said his name was XXXX XXXX and his number is XXXX.
Product: Debt collection

Cavalry SPV, LLC continues to call my cell phone many times, So much so I had to block them. They would at first not tell me who they were, ask me for personal information and when I refused to give it would tell me that they could not tell me anything more. I got someone to finally tell me what the name of the company was. At that point I stated I do not know who they are, have not accounts with them and to stop calling. I then blocked them.
I then started to receive statements saying I owed them money. Do n't know who these folks are. and when called I get " what is your name and social security number '', Sorry, I do n't know them, so nope.
I look at my credit report, they are reporting I owe them.
I get a letter from an XXXX XXXX XXXX, stating they are contacting me on behalf of Cavalry. I send a letter back asking for proof of the debt to Cavalry. ( XX/XX/XXXX ). The response letter (XX/XX/XXXX ) shows oldXX/XX/XXXX statements from XXXX, along with a generic sale slip of who knows what, as my name is no where on it. And any possible telling information is blacked out.XX/XX/XXXX- I call XXXX to ask about any accounts I have with them. I am told that I need to call an 800 number. I tell the lady that if the account was with them why could n't they tell me, or connect me to someone. Or does it show they closed the account? sold the account? anything? she said she can not see it. I ask to please be transferred to someone who has access to that information. I get sent to an account manager. The manager then tells me she sees nothing under my SSN or name. That I have no debt with them. I ask about in collections. She tells me that she would see if they had any collections activity in the file, and she sees nothing. I ask how I can prove this, did they have a paper they can send me? no. since I have no accounts she ca n't send anything.
And I should check my credit report to see I have not reports from XXXX. I do, and see Cavalry has a collections against me, prompting me to check the county courts. I see now I have a court date, that I have not been made aware of coming up. I will dispute this in court now.
Product: Debt collection

{$2000.00} in collections debt with Synerprise Consulting XXXX from XXXX XXXX XXXX. All medical bills were paid upfront or by insurance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed that dispute accounts and information is still reporting on my consumer report. Although the bureaus saying that they have their validation, mere saying that they validate it means those information are accurate. I need them to provide proof that these are all reporting accurately. This is my third time reaching out to your office to help me make the bureaus response on my requested debt validation and investigation result from the XXXX, XXXX and Transunion. It is unfortunate that I spending time sending dispute letters to them to clear inaccurate information accounts reporting on my consumer report. But until now they are not responding based on FCRA Law requirement. They are violating my rights and I know that you could help me to solve this problem. Hoping to hear good news from you soon. Thank you very much.
Product: Credit card or prepaid card

Received a notification from XXXX XXXX regarding a hard inquiry. I reviewed the information and knew immediately it was not something I had done. I pulled my XXXX credit report which did not show any information regarding this inquiry. I called capital one and was assisted in closing this fraudulently opened account. The customer service representative informed me they would close the account and flag it as fraud and their fraud department would be investigating. 
My major concern is now knowing my SSN has been compromised and I am unsure of how to prevent these people from continuing to open accounts in my name. My next concern is that I was a victim of the XXXX breach of 2017 and although I have credit monitoring I was not informed by their services of this transaction.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report. To this day, I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that if failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days from my initial dispute, so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you cost me. My information was also impacted by the XXXX  data breach and may have got into the wrong hands of the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

please see identity theft report. i have consistently disputed fraudulent accounts that are result from identity theft on my credit profile with all 3 credit bureaus and they have ignored my verified claims and are unlawfully and illegally reporting fraudulent accounts on my credit profile.
Product: Checking or savings account

Chime Financial stole my money I made a deposit from my account which was my payroll check that I liked to put into my chime and then I got a email saying my account was suspended please send documents verifying identify and deposit, I sent bank statements, ID, deposit information, utility bills, verifying address statements statements and more statements then account closed! These people caused me to get a eviction n now I am now living in a shelter due to me having all the money I had gone! I mean this was a extremely stressful I have XXXX kids, I am getting a lawyer to really get my documents and then tell me I wont be getting a refund and continue to give me a automatic text? Is illegal and fraud Im not just suing for my money Im suing I found a lawyer who will help me lawyer who will help me seek funds because with my valid documents I will win my case this for loss of wages, emotional distress and money and food replacement
Product: Mortgage

On XX/XX/2023, I transferred {$25000.00} from my my XXXX checking account to my Principal mortgage balance with Chase. 
My transaction history accurately records receipt of the $ XXXX. 
The payment was never properly applied. I have called a few times and sent a few emails asking for proper application. 
On XX/XX/2023, Chase applied $ XXXX to my Principal. 
The Bank has promised to investigate the misapplication of the $ XXXX balance. 
Note my monthly mortgage payments are automatically applied from my Chase checking account. This auto payment has occurred for several years, effectively. 
Please investigate this error.
Product: Credit card

I am writing to let you know that the customer service provided for Capital One Venture card holders has been absolutely unacceptable. The main reason many of us opened this card was for the travel benefits and ability to transfer the points externally to airline partners. I met all of the qualifications to receive the sign up bonus, but when I went to transfer the points I was told I am unable to do so because I recently purchased a new phone. Even though my phone number is exactly the same as it was before, the company has been unable to verify my phone number during the 2FA process. This makes the points completely useless, as travel award flights are in high demand and do not stay available for long. They also have no timeline of when they will be able to verify my account. 

This experience with customer service has been extremely frustrating, and it is shocking that there is no other way for customers to verify their accounts other than a phone number. I offered to verify over phone, email, provide identification documents such as my passport, etc, but they said they can not do anything. It is even more shocking that not a single person in the company can transfer the points on my behalf. Please let me know if there is anyone else this can be escalated to as this has been one of the worst customer service experiences I have ever had with a credit card company. 

The date I received the new phone was XXXX. I called customer service on XX/XX/15 which was the date I was trying to transfer the points. I was transferred to a dozen different customer service agents, all of whom were completely unhelpful and had no idea what to do and said that there was nothing they could do to help me gain access to my account. It is fraudulent behavior to lock consumers out of key features of their accounts for unspecified periods of time without advance notice, especially when those key features are advertised as the main reasons to apply for the credit card.
Product: Student loan

I had previously been a student at XXXX XXXX whom lied to students promising them so many opportunities in real light they lied in order to make a profit. They were sued by the federal government based on overcharges on federal student loans. They committed fraud against students but yet because of their actions and the fact I believed them I am forced to pay back these loans. I am demanding that my loans be forgiven! I am angry and refuse to pay for these loans based on this fraudulent school.
Product: Credit card or prepaid card

I WAS CONTACTED BY THIS COMPANY THAT THEY HAD A BUYER FOR MY TIMESHARE BUT I HAD TO PAY XXXX FOR THE CLOSING COST AND THEN AFTER THAT I WOULD MAKE THAT MONEY BACK PLUS MORE. I SAID OK AND TRUSTED THIS SAID COMPANY CALLED XXXX XXXX XXXX ON XX/XX/13 SO I PAID THEM WITH MY DISCOVER CARD. AFTER PAYMENT WENT THROUGH I NEVER HEARD FROM THEM AGAIN. I TRIED TO CALL THE NUMBER THAT WAS GIVIN BUT NO ANSWER AND I LOOKED THEM UP ON THE INTERNET AND THERE ARE MANY REVIEWS THAT THEY ARE A SCAM FRAUD COMPANY. I CONTACTED DISCOVER CARD SINCE I USED MY CREDIT CARD THROUGH THEM AND LET THEM KNOW ABOUT THIS CHARGE AND THEY GAVE ME THE CREDIT AND THEN TOOK IT BACK AND CALLED ME AND SAID SINCE I DID TALK TO THIS SAID COMPANY AND I DID DO BUSINESS WITH THEM THEY CANT GIVE ME MY MONEY BACK. TOLD THE CREDIT CARD REP THAT THEY ARE A FRAUD COMPANY AND THEY SCAMMED ME OUT OF MY MONEY I AM YOUR CLIENT THROUGH DISCOVER AND YOUR NOT GOING TO BACK ME. DISCOVER REP TOLD ME TO CONTACT THE SAID COMPANY I TOLD THEM I TRIED BUT THERE WAS NEVER NO SUCH COMPANY. SO I AM NOW FILING WITH YOU AGAINST DISCOVER.
Product: Credit reporting, credit repair services, or other personal consumer reports

remove fraudulent / unauthorized inquiry from XXXX on XX/XX/2023 off my credit report or provide proof in writing within 30 days.
Product: Debt collection

On XX/XX/XXXX a certified letter was sent to this creditor after I noticed that my credit was being damaged because of them. I asked that they validate the supposedly owed debt that they claim that I owe. I asked that they provide records of my signature showing a contract that I have with them. They responded with an account summary report but NOT with my signature at all. A print out does not validate any debt that I have. I do not have a contract with this creditor. After a second attempt was sent to them I did not receive a response back. However on my credit report it shows that it was validated & meets FCRA guidelines. How?!? They never provided me with the information needed or their method of validation. This is unfair to me as a consumer. I do not owe this debt and would like this to be removed from all credit bereaus immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

being a loyal customer of XXXX XXXX i cant se why they cant let this slide ive been with them a long time an my payments were always on time i cant see how were having this problem over tax issues you could of let it slide because the bill doubled you cant expect normal person to pay up in liss then 30 days i never questioned you guys on payment amount.also why is it listed as XXXX and not XXXX XXXX as it should be also has incorrect amount owed by me wrong 2 mistakes
Product: Credit card or prepaid card

On Monday XX/XX/2022 I Noticed my personal account checking account was overdrawn by {$5600.00} by capital one as a payment to my credit card. I that same day had the required bill of {$180.00} taken out of my account as well. I called capital one and the guy told me that because the charge was pending that there was nothing he could do and i had to call my bank and have them handle it. I called Capital One again the next morning and got told that because the payment posted there was nothing they could do and told me i had to wait until XX/XX/2022 to get the payment of {$5600.00} stopped and to stop Capital one from over drafting my bank causing more unwanted fees. Capital One offered no assistance in helping me resolve my issue other than pawning it off on another business. Meanwhile this whole time when i call Capital One the Service message i get says nothing about the payment of {$5600.00} but it says a payment of {$180.00} posted. I felt as tho Capital One had taken no ownership in this problem and did not want to stop payment and just wanted their money.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM DENIED CREDIT BY EXPERIAN & ALL CREDIT REPORTING AGENCIES, BASED ON UNPAID MEDICAL BILLS. ALL MEDICAL BILLS WERE PAID IN FULL BY MEDICARE PART A, DOCUMENTS EXIST OF PAID IN FULL.. ALSO I AM DENIED CREDIT ON A NON-EXISTANT DEBT ON XXXX XXXX XXXX  XXXX XXXX AMOUNT {$130.00}, THE ACCOUNT WAS CLOSED IN XX/XX/2016, THIS DEBT WAS INCURRED AFTER CLOSE OF ACCOUNT. I AM TOLD I HAVE A DEROGATORY PUBLIC RECORD & OUTSTANDING DEBTS, THIS IS NOT ACCURATE OR TRUE.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accounts from my credit report : XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance : {$2700.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, XXXX - XXXX XXXX, XXXX XXXX XXXX Texas XXXX XXXX have continuously disputed my credit report and have asked them to remove items that are showing on my credit report that are duplicate, charged amounts incorrect, name on accounts not correct, accounts have also been sold to debt collectors and they continue to change dates on the credit report accounts to show they are recent yet they are old accounts. 
The following have been disputed more than once. The credit bureaus will not remove. Please remove : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX.
Product: Money transfer, virtual currency, or money service

On XX/XX/2018, I used BOA transferred {$140.00}. It turned out that it is not transferred to an BOA account but a XXXX account. XXXX does not belong to BOA, and does not allow me to cancel the transfer. 

XXXX does not belong to BOA, but can be used to send money to anyone that is not BOA online through my BOA account. 

I asked BOA to cancel, and they spent 45 days just told me it is a legal action, and nothing can be done.
Product: Debt collection

XXXX XXXX XXXX - says I owe {$1700.00} for a XXXX XXXX bill. I previously disputed this and it was removed from my credit. It was reinserted with a new date of XX/XX/2017 versus the previous date which was years ago. This is not my debt, and I have received XXXX information ( written or otherwise ) about the debt.
Product: Credit card

I pay my bills online through XXXX. I always pay on time. This is the 4th time in the last year that Carnival Master Card has claimed my payment is late and have charged me a late fee. Each time I have caught it and they have reversed the late fee as I have proof from my bank it was received on time. I think they are hoping people will not look at their bill and not see the late fee. They tell me I should send in my payment at least 5 days early to avoid this problem. The lady claimed the holidays might have made the processing take longer. I say that is your problem. You received my check, the processing time is your fault.
Product: Credit reporting or other personal consumer reports

I filed a dispute on account Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

TOTAL IS FAILING TO UPDATE CREDIT REPORTS SHOULD BE PAID CHARGE OFF XXXX XXXX TO DELETE
Product: Credit card

A while back I thought emails regarding a chase bank XXXX XXXX were spam emails. However, sat XX/XX/23 I received a new XXXX account and XXXX  in my mail. I called chase to ask about this request and who ordered it. No information was given
Product: Money transfer, virtual currency, or money service

Complaint regarding : XXXX XXXX XXXX, XXXX MA. 

I owned my first home when I was 25, and owned it for 13 years. I thought that selling it, just like buying it, would be a nervous, exciting and joyful moment that I would treasure forever. The XXXX XXXX XXXX XXXXXXXX XXXX MA. made my experience horrible, unforgettable, frustrating and stressful. Not only did they display unprofessionalism by giving us unrealistic timeframes and closing dates, but they were not transparent in their information sharing. 

Throughout the whole process my realtor had to demand answers. At times reaching out to multiple partners involved in the situation. Thankfully, they were able to get their affairs in order and we did not have to start the process over with a new buyer, but I was willing to do so because they were not taking us seriously and were uncaring about our situation. 

If you want a positive customer experience, a bank that offers you transparency and peace of mind when youre buying or selling a home do not do business with the XXXX XXXX XXXX  XXXX XXXX MA. Although the memory of selling my house will forever be tarnished, I thank XXXX for a great realtor that fought to get answers and provided full transparency regarding the situation.
Product: Mortgage

I had a modified mortgage in XXXX and my payments kept going up and I was having trouble making those payments. I am a XXXX, I could be working one day and out of work for 8 months. This job is very unpredictable. XX/XX/XXXX I was given a forbearance loan and made all the scheduled payments. I did not realize it was for only for 12 months. I made the payment in XXXX and XX/XX/XXXX at the forbearance rate. I tried making XX/XX/XXXX payment and was told I was in foreclosure since XX/XX/XXXX. I have not received any notice of foreclosure. They said I have to " repay '' the overdue balance as stated in the forbearance agreement. I went thru the agreement and there is no such statement. My wife keeps in contact with Bank of America regularly. She is not listed on the mortgage but does all the work with them for me. When my wife went thru the forbearance contract it stated that after the forbearance period the payments would return to normal. There was nothing in there about making a payment for an overdue balance. My wife spoke to the manager in charge of my mortgage. He accused of her of not being able to read and understand the paper work involved in the contract of the forbearance. She asked him to send her a copy of the paper that states the balance must be paid at the end of the forbearance period. He stated he could not because one does not exist. He also told her that she could not speak to any one else but him. If she called she had to have the representative get in touch with him immediately. My wife is not on the mortgage and she received a bill in the mail in her name only for {$11000.00}.