23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX {$0.00} XXXX XXXX  XXXX XXXX Balance : {$21000.00} XXXX XXXX Balance {$10000.00} XXXX XXXXXXXX XXXX {$22000.00} XXXXXXXX XXXX XXXXXXXX Balance {$8800.00} XXXX  XXXX Balance {$25000.00} XXXX XXXX XXXX XXXX Balance {$13000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This is serious with Equifax, i noticed on their website i was a part of their data breach, they never mentioned it, so for the past 6 months i have did what they asked and submitted soc security card, license, and utility bill in XXXX, nove and XX/XX/2020, i finally receive something in mail today stating we can not locate your credit file. 

I keep trying to call i cant get thru the automated verification process because someone or something changed my answers, so nothing is matching. I put in my phone address etc nothing is matching. Equifax will not help me or address these issues other than to deny me access to my information by phone or by mail i have mailed proof 3 times and im fed up. I am a victim of the data breach i figures this out tonight and put in my social and it came back yes your information was affected, so im at a loss i need some help to get this problem resolved. 

Yesterday I received a letter from equifax my file is not found. Now i am trying to buy a car, my report is XXXX with XXXX and XXXX with XXXX but only XXXX with equifax, im so upset, this is destroying things for me. Equifax will not help me. 

Please help me Regards, XXXX XXXX XXXX, XXXX, XXXX. 
XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I just received a letter they are not removing XXXX XXXX XXXX I sent in a complaint to all three ( 3 ) credit bureaus I received a response already from XXXX they removed the XXXX XXXX  I will send proof of that I will also resend the two page notice from XXXX so you can see the obtained the account After the statute of limitations expired this has been going on now for over 3 years!!!!
Product: Checking or savings account

Interest rate paid is not the rate the institution advertises on web site.
Product: Credit card or prepaid card

I have had a XXXX XXXX Chase credit card since XXXX. I contacted them on XXXX/XXXX/XXXX in preparation for my next trip I wanted to confirm the benefits of using the XXXX Chase credit card to purchase a XXXX airfare. I spoke with a rep that offered me a list of the benefits which included first bag checked for free and complimentary extra room seating. I proceeded to book 3 plane tickets on XXXX/XXXX/XXXX. Once my reservation was complete I went on to select my complimentary extra room seats and to my surprise I was being charged a {$59.00} fee per seat. I proceeded to contact XXXX to see if this was a system issue. I spoke with a rep who confirmed with me again that I have the benefits I was previously told I had and that the department who handles these issues is not available on Sunday which is when I was calling but that he would escalate my issue and I would be contacted by the proper department. I proceeded to wait for a call and was never contacted by anyone regarding this issue. A few days later I get a letter from Chase apologizing for not resolving my issue and for me to contact them if I still have the issue. I was never contacted by Chase regarding this issue. I called Chase on XXXX/XXXX/XXXX after getting passes around to various reps I speak with a male rep that proceeded to tell me that I do not get those benefits as I am an authorized user and not the primary on the account. To my surprise this was the first I had heard of this. I explained to the rep that is wrong as I applied for the card over the phone in XXXX. He proceeded to tell me the primary card holder 's name. I confirmed with him that is my mother and we applied for our cards at the same time but that we were on 2 different application and 2 accounts. He kept checking to see how he could resolve the issue, and could not come up with a solution that would result in me getting the benefits that I was told I had all these years. I even explained to the rep that in XXXX XXXX I traveled to XXXX XXXX and got all the benefits of the card with no issues. I asked to be transferred to a supervisor to see if this could get resolved. After a little over an hour on the phone I spoke with XXXX a supervisor and after re-explaining the situation she offered me 3 solutions : 1 ) Do nothing 2 ) Apply for a Chase card and not get the benefits for this trip ( meanwhile the benefits of the card was the reason I booked a XXXX flight with this card ) 3 ) Write a complaint to Chase which could take 13 days to get resolved. 

I explained to XXXX that neither of these options where going to help me in anyway as my trip is set for XXXX/XXXX/XXXX and I would be responsible to pay {$75.00} in luggage fees and {$170.00} for extra room seating after being assured twice that these benefits were complimentary and that I qualified for these benefits. I proceeded to ask XXXX if there was anyone I could speak to as well as ask her as the consumer what my rights where and what available avenues I had to get this resolved. Her answer was that the supervisor was the highest person I can speak to and proceeded to offer me the same 3 options I noted above.
Product: Credit card or prepaid card

XXXX XXXX XXXX  : I called Capital One to request a replacement card. They said they needed a copy of a state or Federal ID. I sent them a scanned copy of my drivers license. 
XX/XX/XXXX : Hadn't heard anything. I called and they said they needed both the front and back of the license. I sent them the scanned front and scanned back on same page. 
XX/XX/XXXX : Hadn't heard anything so I called again. They said they couldn't accept a scanned copy of a copy ( front of license ). Were supposed to send me a download link. Didn't.. 
XX/XX/XXXX : Called them again and got link. Sent scanned copy of passport and VA ID. 
XXXX XXXX : Again, hadn't heard anything so I called again. This time they said that Passport and VA ID were not acceptable forms of ID even though the download link states that either Federal or State ID is acceptable. I resent drivers license. 
XX/XX/XXXX : Hadn't heard anything so I called again. This time they said the photo on my Federally isues ID wasn't clear enough and wanted me to resubmit. I tolf them I was filing a complaint. 

No communication from them since.
Product: Credit card or prepaid card

Today, Sunday, XX/XX/XXXX, after XXXX MONTHS of futile transaction with Capital One Quicksilver Credit Card XXXX, I opted to file a complaint against the said company. The date of the disputed transaction was : XX/XX/XXXX. The amount involved is {$45.00}. The product is called XXXX XXXX XXXX. It was bought from XXXX and the vendor is XXXX XXXX XXXX XXXX XXXX. The merchant misrepresented its product description for two reasons : 1. ) the bed pan is of poor grade quality ( not high grade as described ), and 2. ) the bed pan did not have the engraving and logo as pictured in their advertisement. I sent an email to XXXX XXXX XXXX XXXX via XXXX on XX/XX/XXXX, the day the bed pan was delivered to my home address. The Issue : I don't want the item anymore because I was misrepresented as I had described earlier. I asked for a refund but the merchant responded on XX/XX/XXXX : " We are sorry but you will have to pay for return postage to send it back. We don't have any nearby office or anything as the returns don't work like this. '' I promptly returned the package " XXXX to XXXX '' at XXXX XXXX XXXX, but got rejected. I attempted the XXXX XXXX XXXX, and again it got rejected unless I pay a postage of {$41.00}. I was aghast as the amount was almost the actual price of the bed pan. The last straw was today, when after sending all the documentation to Capital One Quicksilver Credit Card XXXX on XX/XX/XXXX, to justify the refund of the bed pan via FAX UPS XXXX XXXX XXXX, I was informed by Capital One Rep named XXXX, that it got reviewed on XXXX XXXX, XXXX. What appalled me was that Capital One did not extend me the courtesy of a follow-up. What was the outcome of their review? What was their decision? Was it in favour of the Customer? No, Capital One did not send me any letter nor did they give me a follow-up phone call. I only knew today that Capital One was expecting me to call them, and that when I call, according to the Representative, then they will tell me that the copies they received were BLURRY, and that they can not go forward until I give them a CLEAR COPY. For me, this is the height of negligence and inefficiency. I say this because earlier in XXXX, their Dispute Department Rep assured me that once they have my documents on file ( and that is all they said they needed because my explanation warranted that I should get the refund, but that they needed my document file for the record ) then, they will promptly refund me. Please note that SIX MONTHS has gone by!! and I am still waiting for Capital One Quicksilver Credit Card to REFUND me PERMANENTLY.
Product: Mortgage

This complaint is a follow up on my complaint submitted XX/XX/XXXX due to lack of communication from Bank of America. I received a voicemail from a lady from phone number XXXX EXT XXXX on XX/XX/XXXX, who has still not returned my phone call after several attempts and multiple voicemails I've left her. This matter is urgent and is preventing the sell of my home. 

To whom it may concern : I bought my home on XX/XX/XXXX. The seller had a payoff with First Franklin Financial Corp which was collected on the XXXX at the closing. Fast forward to today. I am now selling my home and it is under contract and our closing date was XX/XX/XXXX, however has been prevented due to this issue. The current title company has been trying to get a lien release from the previous mortgage company and or a cancelled check from the previous closing title company XXXX XXXX XXXX law firm ( XXXX XXXX ) in XXXX Ky. The law firm refuses to give the cancelled check that is proof the loan was paid off and the mortgage company refuses to send a lien release. Here is the problem : First Franklin Financial Corp. no longer exists which was the previous sellers mortgage company, Bank of America now owns First Franklin. I need to get this resolved in order to close on the sale of my home. First Franklin Financial Corp., a subsidiary of XXXX XXXX XXXX  XXXX XXXX  Loan No. XXXX. ( There is a XXXX at the end, but I do not believe this is a part of the loan number. ) Bank of America phone number is XXXX, with reference number XXXX. Please note we do not have a Bank of America account number. This is added information to the prior complaint that I have filed on XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX account # XXXX was removed from XXXX report XX/XX/2018 unverified/inaccurate account XXXX & Experian please remove & delete false account immediately
Product: Credit card or prepaid card

I opened a 18 month interest free account with XXXX XXXX for an engagement ring. I signed a contract with the Sales Manager at XXXX who also confirmed 18 months interest free. My next 3 statements all have finance charges. I contacted Comenity Bank and every Customer Service Rep says my account did not qualify for the 18 month interest free account. The Sales Manager at XXXX also sent Comenity a copy of the contract and they still refuse to reverse the charges.
Product: Credit reporting, credit repair services, or other personal consumer reports

accordance with the Fair Credit Reporting act XXXX Account # 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 a account without my written instructions.
Product: Credit reporting or other personal consumer reports

XXXX, Equifax, and XXXX! 
I need my name and current address corrected immediately! And others removed, Ive sent numerous email and documents. I would like for someone to take immediate action! 
Theyre reporting addresses Ive never lived at and Im not receiving any of my mail from them.
Product: Credit reporting or other personal consumer reports

Requested debt validation with proof of original.signed contract with my wet signature. This company only supplied statements and that is not debt validation. Please provide requested signed original contract or remove debt from my credit report
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. I have a police report. I have been dealing with this for years now. I am homeless because of this information. Someone acquired my information during the pandemic due to the XXXX data breech. They opened accounts in my name, used my social security number, opened bank accounts, lived in apartments. I was working as a XXXX  during covid. Then I caught XXXX  due to XXXX XXXX and nearly died. I had a long rehab period. I have long XXXX. I cant get the tenant screenings through TransUnion and XXXX to fix the eviction information even though a police report states it is inaccurate. They will not fix my credit reports. The investigation consists of them asking these companies and they declare it accurate and that is the end of it. The companies who gave credit to the theives dont have to prove anything. It is ridiculous that as a 30 year XXXX XXXX I am homeless. Now I lost my job due to being homeless. 

My application tracking number is XXXX
Product: Credit card

I put up XXXX XXXX for a secured credit card, i cant get back my money
Product: Credit reporting or other personal consumer reports

Subject : Demand for Immediate Deletion Resolution of Data Breach Impacting My Credit Report Dear EXPERIAN & XXXX I am writing to express my absolute outrage and deep concern regarding the data breach that has compromised my personal and financial information, resulting in an adverse impact on my credit report. This breach is a blatant violation of my privacy and consumer rights, and I demand immediate corrective action and accountability. 

Your failure to protect sensitive information has caused unwarranted harm, including [ briefly describe any specific consequences youve experienced, such as fraudulent accounts, credit score drops, denied applications, etc. ]. This is not only negligent but also inexcusable.

Here are my demands for immediate action : 1. Thorough Investigation : I demand a full investigation into this breach, including a detailed explanation of how my information was compromised. I expect a written report on your findings. 
2. Immediate Correction : Remove all fraudulent accounts, inquiries, and any other inaccuracies from my credit report immediately. Provide me with a clean and corrected credit report within 15 days of receiving this letter. 
XXXX. Enhanced Security Measures : Inform me of the steps you are taking to ensure that this breach does not occur again. Your lack of effective safeguards has resulted in the loss of my trust. 
4. Compensation : I hold you liable for any financial harm and emotional distress caused by this breach. Provide details on how you intend to compensate me for damages incurred.

5. Confirmation of Compliance : Provide written confirmation that all actions outlined above have been taken. Failure to comply promptly will leave me no choice but to pursue legal action. 


This issue demands your immediate attention. You have allowed your negligence to damage my financial stability, and I expect nothing less than a swift resolution. I look forward to your prompt response.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXXtransunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the listed account which I believe appears to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX XXXXXXXX Balance Owed : {$12000.00}.
Product: Credit reporting or other personal consumer reports

I want these inquiries deleted. I did not authorize these companies to run my credit. I have uploaded/attached my FTC report below. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Inquired about a loan for {$3000.00} from One Main Financial, XXXX, Washington on XX/XX/XXXX XX/XX/XXXX. They ran my credit report and said I was eligible for a loan in the amount of {$8300.00}. Since I am aXX/XX/XXXXperson in XXXX XX/XX/XXXX with many debts, I accepted the increase of loan increase from them to pay bills and help get out of debt to credit cards, hospital bills etc. They did not tell me that I would be charged an atrocious amount of money for interest charges with each month of installment payment. for example, my monthly payment is {$220.00} and {$140.00} of that is taken to pay interest while only {$84.00} goes to pay the principal of the loan. 

Been putting the monthly letters/bills from them in my recycle box without opening because they take this payment monthly out of my checking, but yesterday I decided to open XXXX 's bill from them and was shocked by the amount taken out for interest and called them. They were really nervous on the phone and could not answer basis questions such as how long am i going to be paying off this loan with such ridiculous amounts of interest which by the way far exceeds the agreed upon amount of XXXX percent at the onset of of the loan. 
Unbeknownst to me this company was sued on XX/XX/XXXX for putting patrons on other than requested products/loan requests such as me as I asked for only {$3000.00}. I would like to take legal action on this dishonest company and need your help. 

Thank You, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA. XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There were 2 dubious accounts on my credit report and I initiated a dispute process on XX/XX/2019. TransUnion, XXXX  and XXXX  failed to provide me the method of verification of how they verified this dubious and false information. 
All I want is for them to remove this incorrect information from my credit report.
Product: Debt collection

This company confirmed that they would remove the negative remark in XXXX and have yet to do so. This matter needs immediate attention. Why does it take several weeks to correct the error?
Product: Debt collection

CAVALRY PORT is claiming that I owe them {$2000.00} with an Account Number : XXXX but I didn't recognize this debt. Please Remove this inaccurate collection from my report.
Product: Debt collection

Promissory note was sent to the company and accepted ... never returned, the XXXX XXXX XXXX XXXX  is a third party, I have no bilateral contract with XXXX XXXX XXXX XXXX, does not have the right or authorization to foreclosure, they are not power of attorney because all previous power of attorney was revoked in XX/XX/2019, no right to assign, loan was bifurcated, violations of 15 USC 1692, fair debt collection practices act, the GAAP Act, Deceptive Trade Practices Act, the Georgia Residential mortgage fraud act by creating false document without authority and is the the original creditor, never loan any money or gave value to be able to attach to collateral, violation of UCC Article 9, request name and address of Original creditor by way of securitization transaction audit on mortgage for proof only. Not a party to promissory note. Talked with them and said they were waiting to accept the promissory not, never returned and is being traded because never returned and trying to steal my house in fraud. I will not accept any thing but a forensic audit from non affiliate of XXXX XXXX XXXX XXXX, and cease and desist from debt collection or threats to sell my he without legal or equitable title as all power of attorney to able to create any Deeds to conveyance of my home. In accordance with 31 US 3123 the secretary of the treasury is supposed to pay all obligations of the public debt because u can not pay a debt with a debt instrument. And the note was sold illegally and not assigned.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Speedy Cash # XXXX sued me around XX/XX/XXXX. We went to court and had a hearing where I filed a Motion to Dismiss, there was a scheduling order and Defendant 's First Request for Production of Documents and A Journal Entry with Dismissal by the Petitioner Attorney  XXXX XXXX. Around XX/XX/XXXX I received a phone call from Attorney  XXXX XXXX asking if I would like to settle. We reached a settlement where he would pay me {$16.00} and remove this debt from all three credit reporting agencies. The mysterious thing is that XXXX XXXX sued me, but a debt collection agency owned by Attorney XXXX XXXX named XXXX is reporting the debt to the credit bureaus. I wrote two letters to XXXX XXXX and one to XXXX XXXX. I wrote and disputed with the credit bureaus and showed my proof that there was a settlement and the case was dismissed by Attorney XXXX. I have all the paperwork and evidence. I have NEVER received the {$16.00} from Attorney  XXXX nor has the wrongful credit reporting ceased. XXXX is still reporting this debt, ruining my credit, when the case was settled and dismissed in XX/XX/XXXX.