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

Capital One has failed to release my funds in the amount of {$580.00} on a secured credit card that they closed. After six months of on time XXXX % utilization my account was closed for " fraud ''. I had a dispute in the amount of {$580.00} XX/XX/2021, for something that was charged to my Capital One credit card, but not paid to the merchant. There was a " provisional credit '' issued on XX/XX/2021. Capital One policy is that the funds are not released until the dispute is over, which was XX/XX/2021. I made a payment XX/XX/2021, in the amount of {$780.00} which included the {$580.00} but cancelled the payment after I was informed by representative XXXX that the {$580.00} would not be accessible. The {$580.00} was then rebilled and is included in the {$920.00} balance that is being incorrectly reported to credit bureaus. The dispute lasted until XX/XX/2021, and the funds were to be released when they opened XXXX a.m. EST. The funds were never released. Capital One is saying the money was spent but has failed to tell me when. There were no purchases after the " provisional credit '' was issued XX/XX/2021, and the account was closed XX/XX/2021. Then Capital One is saying there is a refund check issued in the amount of {$26.00}. So, Capital One is saying that the " provisional credit was issued XX/XX/2021, and I spent the money in XXXX days before closing the account XX/XX/2021? Please show me the charges. What is the monetary relief amount that you'll are keeping, for what? 
They are reporting inaccurately on my credit report and has caused me to not be able to purchase my first home. This has been a horrible inconvenience along with me being a small business and single parent. I needed my funds during a pandemic. Capital One has reported inaccurately on my credit report such as a high credit balance. Capital One has negatively affected my ability as a single minority to purchase my first home. They have failed to comply with the FTC dispute process. I will also be contacted and filed a complaint with the West Virginia Attorney General XXXX XXXX who has sued the credit card company Capital One and four other similar companies for unconscionable conduct in connection with their credit card lending and collection practices.
Product: Bank account or service

I requested Bancorp South close my checking account and was specific that if there was an early closure fee, to notify me first before closing it. After several communications with them prior to this request, not once was an " official check fee '' mentioned. I would have transferred the funds to XXXX before closing had there been a fee, and I specifically requested to be notified in the event there were fees to close. I want my {$6.00} refunded to me.
Product: Mortgage

I lost my home due to a fire in 2013. Wells Fargo Mortgage was given a check by my insurance company who is XXXX. Wells Fargo stated they would issue the funds according to the progress on the rebuilding of my home. My contractor was XXXX XXXX XXXX XXXX, but the checks were written To XXXX XXXX, who is the owner of the construction company, and myself. I kept telling Wells Fargo that something was wrong and hired an attorney to fire the construction company, but Wells Fargo said no. XXXX % of the funds to rebuild my house were issued to XXXX XXXX. Wells Fargo inspectors claimed my home was 65 % complete so I signed the check and handed it over to XXXX XXXX. Since then, three years have passed, and I have continued to pay my mortgage on a home that is still yet unlivable. I called the city of XXXX IN building department to review the work completed, and my home has not passed city codes for any trades men workmanship such as electrical, plumbing, framing, foundation, HVAC, plus my home was never red flagged by any one from the building commissions of the city of XXXX.I have found someone who can fix the problems, but Wells Fargo & XXXX refuse to release the remaining funds. Wells Fargo is still holding XXXX and XXXX is holding XXXX. The work needs to be done before winter and I ca n't get either company to release my own money, as I keep paying my mortgage. I ca n't pay indefinitely without any hope of going home.Wells Fargo has given XXXX different completion results since work had stopped last year,XXXX % XXXX % XXXX %? How, can my home be XXXX % complete, there is no perimeter foundation, framing has been done incorrectly. The contractor cut into the support beams to run the plumbing, which has compromised the integrity of the build. I ca n't continue to pay on a house that I ca n't live in. The funds that I was receiving for loss of use are long gone. I have n't been able to get anyone to help me resolve this situation. The contractor is no longer on the job, and has n't been for some time. He took the money and ran. I have asked for an accounting of the funds that he was given and to date, have received nothing back. Wells Fargo wo n't help me, XXXX wo n't help me, and the contractor wo n't return my calls. This is a small home, but it was my home, all I want to do is go back home. There is still some money to being held, which I feel could get me back into the shell of a home, with heat and walls and correction to the frame and foundation. I am turning to you for help!
Product: Debt collection

There is collections reported to my credit reports but I do n't have any knowledge of the alleged debts. I have n't received any calls or anything in the mail regarding amounts due.
Product: Vehicle loan or lease

I have purchased a XXXX XXXX XXXX from Us auto sales due to my last automobile breaking down on me I have had this vehicle for almost 2 years in XXXX of XXXX my monthly payment is XXXX per month after logging into my account I see that my interest rate is 17 % the price for the vehicle is {$20000.00} after making payments for almost 2 years my balance is {$17000.00} even though I have paid almost {$9000.00} after going to the XXXX dealership and getting my vehicle value quoted this vehicle is only worth {$4000.00} and before hand was only worth about $ XXXX {$8000.00} when I got it I feel like Im being robbed and screwed with no gasoline could someone help get me out of this bad car deal.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted the creditors and they have NO PROOF I INITIATED SUCH INQUIRES, NOR WRITTEN AUTHORIZATION AND HAVE FAILED TO PROVIDE ANY PERMISSABLE PURPOSE. Since they do not have my authorization written nor verbal, I ask that you DELETE these unauthorized inquires from my credit report immediately as there is no evidence of any authorization. According to section 604 of the Fair Credit Reporting Permissible of Consumer Reports 15, U.S. CODE 1681B In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is INITIATED BY THE CONSUMBER. : XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX XX/XX/XXXX ), XXXX  XXXX XXXX  XXXX  ( XX/XX/XXXX ), XXXX  XXXX  XXXX  ( XX/XX/XXXX ), XXXX  XXXX  ( XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX XXXX ( XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  ( XX/XX/XXXX ) XXXX XXXX  XXXX XXXX  ( XX/XX/XXXX ) . 

Under Section 609A, you must provide me with a WET SIGNATURE CONTRACT STATING THAT I OWE A DEBT TO ANY OF THE FOLLOWING COMPANIES. FAILURE TO PROVIDE THIS, MUST RESULT IN PERMANENT DELETION OF THE ACCOUNTS BELOW : : : : XXXX XXXX # XXXX {$41000.00}, XXXX XXXX  # XXXX {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

i went to dealer told me they was only going to XXXX end getting a lot of inquires XXXX XXXX ( Bank ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX ( Miscellaneous ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX ( Miscellaneous ) XX/XX/XXXX XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX XXXXXXXX XXXX ( Auto ) XX/XX/XXXX XXXX  XXXX XXXX  XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX  XXXX XXXX  XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX  ( Auto ) XX/XX/XXXX XXXX
Product: Payday loan, title loan, personal loan, or advance loan

brigit/XXXX XXXX XXXX  reported i have a {$600.00} loan that is incorrect this shows on my credit report says opened XX/XX/year> with a 24 month term status 30-59 days late
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING XXXX XXXX XXXX XXXX XXXX XXXX Opened : XXXX Balance {$13000.00} XXXX XXXX XXXX XXXX XXXX XXXX Opened : XXXX Balance {$13000.00}
Product: Debt collection

Amerisave Mortgage did not notify me that my COVID-19 forbearance plan was coming to an end and to discuss available options, if any. I found out by calling their customer service who informed me. So I requested a loan modification package which Amerisave said I should complete before XX/XX/XXXX. I completed and sent all the required documentation to them on XX/XX/XXXX. I received a letter from Amerisave via their portal on XX/XX/XXXX that I was missing on more item which was a copy of my XXXX - XXXX. I immediately uploaded it on the same day, XX/XX/XXXX and haven't received any other document requests. I've been calling their service line nearly every day to find out if my file is complete and being reviewed for a loan modification or other available options, or if they are flat out denying me an option. Their letters also stated that they would not file foreclosure on my property as long as my application was deemed complete and under review or they denied me and offered an appeal period. To date, they will not respond, but their attorneys have sent numerous foreclosure letters to my home.
Product: Checking or savings account

My daughter sent me a referral to sign up for Chase Bank there was a sign up bonus for {$100.00} all I had to do was open up a checking account and do XXXX debit transactions and when my daughter signed me up she received the money for signing me up and she also received the money for opening the checking account I never received the bonus when I opened the account I showed them the paper or the referral with the coupon code and the terms of it and they told me that it was not right but I had in black and white clear term saying that if I sign up through this referral I will receive a hundred bucks and my referee would also receive cash they told me I had to set up direct deposit when the statement clearly says 10 debit transactions I did it in the right time frame I did everything right and they refuse to give it to me and this was my first opened it months ago I want my bonus and I feel I should be compensated for having to wait so long and being called a liar I feel I basically had my patience provoked and my intelligence questioned.
Product: Checking or savings account

on XXXX XXXX my account ending on XXXX now XXXX got unauthorized transaction which took took out the sum of {$9500.00} from my two separate account. on the same day I got call from one the chase customer representative saying if I have the bank debt card with me and asking me if I authorized or take out any money from my account ending in XXXX. Than I had visited chase branch few time but I still didn't get any specific answer from the chase bank yet. It has been two moths pass and I didn't get any result yet. first the I had visited the branch they had closed my account which got the XXXX activity and I had i asked the branch manager i should file a police compliant and the branch manager had said I didn't need to file any police complaint. than one week later i visited the branch and same branch manager had called the main office and they were asking for police report and I provided them with the police report. but till today i have no certain answer from them. please help me retrieve the money. thank you for your time and help.
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.

has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

XXXX XXXX. XXXX ( A ) ( XXXX ) A person shall 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

Experian got in their phone application a tool that is call, File Lock, this tool pretty much do what it said, lock your credit file so no one can have access unless you authorize. 
I started using this service by the beginning of XXXX. Around XX/XX/XXXX I applied for XXXX XXXX XXXX, they told me back that my file was lock that I needed to unlocked. I tried multiple times and the app didn't allow me to unlocked my file. I contacted Experian in XXXX, XXXX, XXXX, and XX/XX/XXXX at least 4 times a month and none of the customer services representative was able to unlock my file. 
They open a trouble ticket and told me they will solve the situation. One month past by and no communication of any type. I call back around XX/XX/XXXX and they told me they were working with the situation. Finally around XX/XX/XXXX I receive an email telling me that my file was locked because some information was incorrect on my file, which doesn't make sense because I was the one that locked my file, but the email continues explaining that I was to contact them to fix it. I been trying to contact them since then without any response. Now XX/XX/XXXX I'm trying to buy a XXXX system for my house and the company selling me the system use Experian to look into their clients credit, so again I've been denied because of this issue. It's been a little more than a year that I been denied applications because of this issue. Experian is blocking and denying my financial freedom without reason. 
I will like you to help me because even their customer service phone number is a machine, which doesn't provide any help or option to talk to a human being which can understand this situation. 
Hopefully you can help me.
Product: Credit reporting or other personal consumer reports

This is my 3rd request that I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 
XXXX XXXX XXXX XXXX XXXX, MI XXXX, XXXX XXXX XXXX XXXX XXXX, MI XXXXXXXX XXXX XXXX  Balance : {$0.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXXXXXX Balance : {$130.00}, XXXX XXXX XXXX Balance : {$600.00}, XXXX XXXX Balance : {$65.00}, XXXX XXXX Balance : {$430.00}, XXXX XXXX XXXXXXXX Balance : {$920.00}, XXXX XXXXXXXX Balance : {$890.00}, XXXX XXXX XXXX XXXX : {$380.00}, XXXX XXXX XXXX XXXX : {$10000.00}, XXXX  ( Original XXXX : XXXX XXXX XXXX XXXX XXXX Balance : {$2500.00}, XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX  Balance : {$220.00}, XXXX XXXX XXXX XXXXXXXX Date Filed/Reported : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Student loan

Some of my student loans show a past due payment from XX/XX/XXXX, with a past due amount equal to my current incorrect monthly payment. 
XXXX is showing that I have a late/past due payment, but my payments were not set to resume until XX/XX/XXXX. It is not possible for them to be late. 
They have been on hold throughout the covid pause. 
I called and spoke to a rep last week who said this would be removed and my monthly payment corrected, but as of today, it is still showing the wrong payment amount and pay due amount.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the XXXX credit bureaus was dated XXXX XXXX, but I never received a response from them. These items must be investigated and deleted 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 XX/XX/2021 XXXX XX/XX/2021 XXXX XXXX XXXX  XX/XX/2021
Product: Credit reporting, credit repair services, 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX : XXXX, XXXX XXXX : XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions, 15 U.S.C 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse items of information, other than records of convictions of crimes which a
ntedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall 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 or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXXXXXX Debt Bondage, which falls under XXXX  according to XXXX-Debt Final Rule XXXX ( b ) ( XXXX ) XXXX ( b ) ( XXXX ). I kindly request that you delete and block this information from my credit report within XXXX business days pursuant to section XXXXc of the Fair Credit Reporting Act. I am a victim of XXXX XXXX  of debt bondage and would like for all listed accounts to be blocked and deleted from company Transunion. Please delete the following accounts. 

XXXX XXXXXXXX XXXX - XXXX XXXX XXXXXXXX - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX - XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account numbers, has violated my rights. 
XXXX Account XXXX XXXX XXXX. XXXX Account # XXXX XXXX Account # XXXX XXXX. XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX. XXXX XXXX Account # XXXXXXXX XXXX XXXX Account # XXXX XXXX ACCOUNT # XXXX XXXX Account # XXXX XXXXXXXX XXXX XXXX Account # XXXX 15 U.S.C. 1681 Section 604 A States that I have right to privacy.

15 U.S.C. 1681 Section 604 Section 2 It also states a consumer reporting agency can not furnish a account without without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent AFFIRM a letter on or about XX/XX/2021 & as of todays date, AFFIRM has not responded or resolved the issue. I had a AFFIRM loan in great standing that was paid in full on our about XX/XX/2021. I obtained another loan from AFFIRM on or about XX/XX/2021 and they have failed to report the current/outstanding loan to the credit Bureau & report all of my on-time monthly payments.
Product: Payday loan, title loan, personal loan, or advance loan

In XX/XX/XXXX, I received a {$1500.00} loan through XXXX XXXX and got spammed with a lot of other offers after I completed this process. I accepted a second {$1500.00} loan through NetCredit ( appears as Enova NetCrColl in my bank statement and their mailing address indicates that they are called XXXXXXXX XXXX  XXXX XXXX XXXX ) and though I have been making timely minimum payments, I have a balance of {$1200.00} with NetCredit whereas with XXXX XXXX I've been making timely minimum payments and will pay my last payment on XX/XX/XXXX of $ XXXX. 

As I look at my statement, I've been charged {$1100.00} in fees for the " statement balance fees '' which seems grossly disproportionate to the loan, so I am intending to pay it all off in the next month or XXXX, but I did want to report them here to prevent them from taking advantage of others. 

Thank you for your time.
Product: Student loan

Hello, My loan repayment recently went up from {$860.00} which was already a difficult payment but manageable to {$1300.00} ( XXXX  is the due date ). When I called Salliemae to discuss lowering it back down the only offer received was Forbearance or a Graduate repayment program which lowered it to {$1100.00} for 12 months but then payments would increase afterwards. I cant afford to make these payments. I told them this and I was told We cant discuss adjusting your payments until your account is in collections. Im trying to be proactive and not have my accounts go into collections.. Im also trying to be responsible and do the right thing in paying my loan back. Im just currently unable to afford making those payments.
Product: Credit card

Capital One and XXXX XXXX are in violation of several laws in regard to how they are reporting according to my consumer rights under the FCRA. The inaccurate reporting of both my account status and payment status are causing harm to my credit reputation and financial standing. 
The laws that were violated were 15USC1681-A, 15USC1681S-2, AND 15USC1681a2 ( A ) ( i ).

Dates and amounts will reflect in the attached credit report with circles indicating erroneous reporting. 
I have attached an Affidavit of Truth notarized as well to swear in testimony that I am a natural person and I consider these facts to be true and valid. 
I also mailed a copy of the attached documents directly to the CRA 'S and also to the Creditors listed above.